Home > The Jamestown State Bank > Performance and Condition Ratios
The Jamestown State Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1865% | 5,156 |
| Cost of funding earning assets | 0.1945% | 5,026 |
| Net interest margin | 2.9920% | 4,806 |
| Noninterest income to average assets | 0.1442% | 4,991 |
| Noninterest expense to average assets | 2.4995% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4379% | 4,789 |
| Return on assets (ROA) | -1.2765% | 5,346 |
| Pretax return on assets | -1.2765% | 5,348 |
| Return on Equity (ROE) | -7.8340% | 5,333 |
| Retained earnings to average equity (ytd only) | -7.8340% | 5,290 |
| Net charge-offs to loans | -0.0170% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0909% | 576 |
| Assets per employee ($millions) | 2.4817% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8257% | 38 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 35.1946% | 5,090 |
| Net loans and leases to deposits | 42.6092% | 5,062 |
| Net loans and leases to core deposits | 43.3802% | 5,089 |
| Total domestic deposits to total assets | 82.5984% | 3,455 |
| Equity capital to assets | 17.3498% | 391 |
| Core capital (leverage) ratio | 16.3786% | 471 |
| Tier 1 risk-based capital ratio | 31.6100% | 404 |
| Total risk-based capital ratio | 32.8997% | 402 |
| Memoranda: | ||
| Average total assets | $18,723,600 | 5,352 |
| Average earning assets | $17,480,000 | 5,340 |
| Average equity | $3,050,800 | 5,280 |
| Average total loans | $5,866,000 | 5,349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 5,245 |
| Cost of funding earning assets | 0.1874% | 5,064 |
| Net interest margin | 2.9161% | 4,952 |
| Noninterest income to average assets | 0.1399% | 5,074 |
| Noninterest expense to average assets | 2.5321% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3288% | 5,061 |
| Return on assets (ROA) | -1.9165% | 5,446 |
| Pretax return on assets | -1.9165% | 5,442 |
| Return on Equity (ROE) | -11.9386% | 5,429 |
| Retained earnings to average equity (ytd only) | -11.9386% | 5,405 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5086% | 381 |
| Assets per employee ($millions) | 2.4863% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8970% | 41 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 34.4806% | 5,189 |
| Net loans and leases to deposits | 41.6331% | 5,164 |
| Net loans and leases to core deposits | 42.3829% | 5,191 |
| Total domestic deposits to total assets | 82.8200% | 3,370 |
| Equity capital to assets | 17.1053% | 413 |
| Core capital (leverage) ratio | 15.4087% | 610 |
| Tier 1 risk-based capital ratio | 30.7785% | 443 |
| Total risk-based capital ratio | 32.0632% | 435 |
| Memoranda: | ||
| Average total assets | $19,061,500 | 5,421 |
| Average earning assets | $17,785,500 | 5,406 |
| Average equity | $3,060,000 | 5,344 |
| Average total loans | $5,726,500 | 5,421 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 5,306 |
| Cost of funding earning assets | 0.1863% | 5,093 |
| Net interest margin | 2.8712% | 5,054 |
| Noninterest income to average assets | 0.1326% | 5,145 |
| Noninterest expense to average assets | 2.1617% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6424% | 4,368 |
| Return on assets (ROA) | 0.6424% | 4,376 |
| Pretax return on assets | 0.6424% | 4,657 |
| Return on Equity (ROE) | 4.0807% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.0807% | 3,567 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0909% | 1,303 |
| Assets per employee ($millions) | 2.7587% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5476% | 28 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 27.2435% | 5,366 |
| Net loans and leases to deposits | 32.3953% | 5,371 |
| Net loans and leases to core deposits | 32.9100% | 5,378 |
| Total domestic deposits to total assets | 84.0971% | 3,029 |
| Equity capital to assets | 15.8511% | 521 |
| Core capital (leverage) ratio | 16.5900% | 435 |
| Tier 1 risk-based capital ratio | 36.9057% | 277 |
| Total risk-based capital ratio | 38.1960% | 275 |
| Memoranda: | ||
| Average total assets | $19,614,000 | 5,482 |
| Average earning assets | $18,250,330 | 5,468 |
| Average equity | $3,087,670 | 5,406 |
| Average total loans | $5,532,000 | 5,484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9953% | 5,378 |
| Cost of funding earning assets | 0.1926% | 5,059 |
| Net interest margin | 2.8027% | 5,155 |
| Noninterest income to average assets | 0.1214% | 5,249 |
| Noninterest expense to average assets | 1.9630% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8095% | 3,668 |
| Return on assets (ROA) | 0.8095% | 3,677 |
| Pretax return on assets | 0.8095% | 4,121 |
| Return on Equity (ROE) | 5.1596% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.1596% | 3,095 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8029% | 2,375 |
| Assets per employee ($millions) | 2.8841% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8623% | 25 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 24.5777% | 5,457 |
| Net loans and leases to deposits | 28.9921% | 5,460 |
| Net loans and leases to core deposits | 29.4289% | 5,466 |
| Total domestic deposits to total assets | 84.7739% | 3,010 |
| Equity capital to assets | 15.1568% | 634 |
| Core capital (leverage) ratio | 15.7125% | 533 |
| Tier 1 risk-based capital ratio | 37.0658% | 277 |
| Total risk-based capital ratio | 38.3375% | 270 |
| Memoranda: | ||
| Average total assets | $19,765,500 | 5,544 |
| Average earning assets | $18,696,000 | 5,525 |
| Average equity | $3,101,000 | 5,463 |
| Average total loans | $5,513,000 | 5,547 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 5,372 |
| Cost of funding earning assets | 0.1860% | 5,057 |
| Net interest margin | 2.7962% | 5,171 |
| Noninterest income to average assets | 0.1477% | 5,212 |
| Noninterest expense to average assets | 2.2518% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5115% | 4,347 |
| Return on assets (ROA) | 0.5115% | 4,378 |
| Pretax return on assets | 0.5115% | 4,913 |
| Return on Equity (ROE) | 3.0792% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.0792% | 3,456 |
| Net charge-offs to loans | 0.0194% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 660 |
| Efficiency ratio | 81.4885% | 967 |
| Assets per employee ($millions) | 2.7631% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3692% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 28.1563% | 5,463 |
| Net loans and leases to deposits | 33.6401% | 5,466 |
| Net loans and leases to core deposits | 34.1763% | 5,484 |
| Total domestic deposits to total assets | 83.6987% | 3,312 |
| Equity capital to assets | 16.2444% | 485 |
| Core capital (leverage) ratio | 16.5407% | 411 |
| Tier 1 risk-based capital ratio | 35.9815% | 295 |
| Total risk-based capital ratio | 37.2669% | 294 |
| Memoranda: | ||
| Average total assets | $18,962,400 | 5,612 |
| Average earning assets | $17,738,200 | 5,597 |
| Average equity | $3,150,200 | 5,518 |
| Average total loans | $5,143,600 | 5,617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 5,447 |
| Cost of funding earning assets | 0.1892% | 5,059 |
| Net interest margin | 2.7546% | 5,279 |
| Noninterest income to average assets | 0.1555% | 5,244 |
| Noninterest expense to average assets | 2.2118% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5159% | 4,686 |
| Return on assets (ROA) | 0.5159% | 4,715 |
| Pretax return on assets | 0.5159% | 4,993 |
| Return on Equity (ROE) | 3.0876% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.0876% | 4,071 |
| Net charge-offs to loans | 0.0266% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 73.1805% | 864 |
| Efficiency ratio | 81.0881% | 990 |
| Assets per employee ($millions) | 2.5830% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8280% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 27.6146% | 5,541 |
| Net loans and leases to deposits | 33.6138% | 5,535 |
| Net loans and leases to core deposits | 34.1986% | 5,550 |
| Total domestic deposits to total assets | 82.1525% | 3,728 |
| Equity capital to assets | 17.7811% | 348 |
| Core capital (leverage) ratio | 16.2594% | 460 |
| Tier 1 risk-based capital ratio | 38.2453% | 248 |
| Total risk-based capital ratio | 39.5437% | 245 |
| Memoranda: | ||
| Average total assets | $18,867,500 | 5,677 |
| Average earning assets | $17,618,500 | 5,662 |
| Average equity | $3,152,250 | 5,581 |
| Average total loans | $4,990,750 | 5,681 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8205% | 5,550 |
| Cost of funding earning assets | 0.1798% | 5,140 |
| Net interest margin | 2.6407% | 5,412 |
| Noninterest income to average assets | 0.1464% | 5,331 |
| Noninterest expense to average assets | 2.2792% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3241% | 5,163 |
| Return on assets (ROA) | 0.3241% | 5,183 |
| Pretax return on assets | 0.3241% | 5,306 |
| Return on Equity (ROE) | 1.9800% | 5,349 |
| Retained earnings to average equity (ytd only) | 1.9800% | 4,466 |
| Net charge-offs to loans | 0.0409% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,438 |
| Efficiency ratio | 87.5502% | 570 |
| Assets per employee ($millions) | 2.7974% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2023% | 24 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 23.8638% | 5,649 |
| Net loans and leases to deposits | 28.5688% | 5,650 |
| Net loans and leases to core deposits | 29.0194% | 5,659 |
| Total domestic deposits to total assets | 83.5308% | 3,392 |
| Equity capital to assets | 16.4181% | 483 |
| Core capital (leverage) ratio | 15.7859% | 501 |
| Tier 1 risk-based capital ratio | 37.3328% | 256 |
| Total risk-based capital ratio | 38.6327% | 251 |
| Memoranda: | ||
| Average total assets | $19,129,670 | 5,724 |
| Average earning assets | $17,798,000 | 5,710 |
| Average equity | $3,131,330 | 5,628 |
| Average total loans | $4,887,000 | 5,730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 5,616 |
| Cost of funding earning assets | 0.1812% | 5,143 |
| Net interest margin | 2.5818% | 5,484 |
| Noninterest income to average assets | 0.1481% | 5,375 |
| Noninterest expense to average assets | 2.6239% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0635% | 5,633 |
| Return on assets (ROA) | -0.0635% | 5,640 |
| Pretax return on assets | -0.0635% | 5,626 |
| Return on Equity (ROE) | -0.3884% | 5,635 |
| Retained earnings to average equity (ytd only) | -0.3884% | 4,981 |
| Net charge-offs to loans | 0.0827% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 2,897 |
| Efficiency ratio | 102.4793% | 198 |
| Assets per employee ($millions) | 2.8281% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7571% | 20 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,320 |
| Noncurrent loans to loans | 0.0437% | 5,019 |
| Net loans and leases to total assets | 21.5386% | 5,734 |
| Net loans and leases to deposits | 25.5391% | 5,728 |
| Net loans and leases to core deposits | 25.9320% | 5,733 |
| Total domestic deposits to total assets | 84.3360% | 3,348 |
| Equity capital to assets | 15.6084% | 558 |
| Core capital (leverage) ratio | 15.3926% | 540 |
| Tier 1 risk-based capital ratio | 38.2521% | 251 |
| Total risk-based capital ratio | 39.5617% | 245 |
| Memoranda: | ||
| Average total assets | $18,903,500 | 5,794 |
| Average earning assets | $17,662,000 | 5,778 |
| Average equity | $3,089,500 | 5,691 |
| Average total loans | $4,839,500 | 5,800 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7661% | 5,662 |
| Cost of funding earning assets | 0.1806% | 5,208 |
| Net interest margin | 2.5855% | 5,528 |
| Noninterest income to average assets | 0.1366% | 5,506 |
| Noninterest expense to average assets | 2.4597% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0841% | 5,581 |
| Return on assets (ROA) | 0.0841% | 5,606 |
| Pretax return on assets | 0.0841% | 5,606 |
| Return on Equity (ROE) | 0.4971% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.1243% | 5,265 |
| Net charge-offs to loans | 0.1427% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,852 |
| Efficiency ratio | 96.6942% | 291 |
| Assets per employee ($millions) | 2.5729% | 5,631 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0713% | 21 |
| Loan loss allowance to noncurrent loans | 4,428.5714% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,208 |
| Noncurrent loans to loans | 0.1371% | 4,681 |
| Net loans and leases to total assets | 26.6297% | 5,717 |
| Net loans and leases to deposits | 32.1620% | 5,710 |
| Net loans and leases to core deposits | 32.7171% | 5,724 |
| Total domestic deposits to total assets | 82.7984% | 3,828 |
| Equity capital to assets | 17.1516% | 368 |
| Core capital (leverage) ratio | 15.6139% | 516 |
| Tier 1 risk-based capital ratio | 38.5788% | 243 |
| Total risk-based capital ratio | 39.8837% | 239 |
| Memoranda: | ||
| Average total assets | $19,026,800 | 5,848 |
| Average earning assets | $17,714,200 | 5,830 |
| Average equity | $3,218,400 | 5,734 |
| Average total loans | $4,905,000 | 5,858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7392% | 5,746 |
| Cost of funding earning assets | 0.1782% | 5,280 |
| Net interest margin | 2.5610% | 5,617 |
| Noninterest income to average assets | 0.1452% | 5,532 |
| Noninterest expense to average assets | 2.4203% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0899% | 5,633 |
| Return on assets (ROA) | 0.0899% | 5,683 |
| Pretax return on assets | 0.1106% | 5,667 |
| Return on Equity (ROE) | 0.5331% | 5,698 |
| Retained earnings to average equity (ytd only) | 0.0409% | 5,333 |
| Net charge-offs to loans | 0.1922% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.2862% | 3,589 |
| Efficiency ratio | 95.6284% | 328 |
| Assets per employee ($millions) | 2.6320% | 5,653 |
| Cash dividends to net income (ytd only)* | 92.3254% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5208% | 18 |
| Loan loss allowance to noncurrent loans | 1,240.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,889 |
| Noncurrent loans to loans | 0.5259% | 3,417 |
| Net loans and leases to total assets | 24.1207% | 5,821 |
| Net loans and leases to deposits | 29.4695% | 5,819 |
| Net loans and leases to core deposits | 29.9723% | 5,824 |
| Total domestic deposits to total assets | 81.8498% | 3,979 |
| Equity capital to assets | 18.0797% | 340 |
| Core capital (leverage) ratio | 15.8645% | 499 |
| Tier 1 risk-based capital ratio | 39.9277% | 226 |
| Total risk-based capital ratio | 41.2395% | 220 |
| Memoranda: | ||
| Average total assets | $19,281,000 | 5,911 |
| Average earning assets | $17,961,250 | 5,891 |
| Average equity | $3,250,750 | 5,792 |
| Average total loans | $4,854,750 | 5,923 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7262% | 5,831 |
| Cost of funding earning assets | 0.1759% | 5,362 |
| Net interest margin | 2.5503% | 5,709 |
| Noninterest income to average assets | 0.1124% | 5,734 |
| Noninterest expense to average assets | 2.5554% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1329% | 5,827 |
| Return on assets (ROA) | -0.1329% | 5,846 |
| Pretax return on assets | -0.0716% | 5,819 |
| Return on Equity (ROE) | -0.8065% | 5,828 |
| Retained earnings to average equity (ytd only) | -1.5509% | 5,498 |
| Net charge-offs to loans | 0.3273% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 3,581 |
| Efficiency ratio | 102.8807% | 203 |
| Assets per employee ($millions) | 2.7767% | 5,625 |
| Cash dividends to net income (ytd only)* | -92.3077% | 6,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8272% | 16 |
| Loan loss allowance to noncurrent loans | 6,180.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,489 |
| Noncurrent loans to loans | 0.1105% | 5,003 |
| Net loans and leases to total assets | 21.6957% | 5,922 |
| Net loans and leases to deposits | 26.0759% | 5,922 |
| Net loans and leases to core deposits | 26.4904% | 5,930 |
| Total domestic deposits to total assets | 83.2021% | 3,574 |
| Equity capital to assets | 16.7310% | 462 |
| Core capital (leverage) ratio | 15.3936% | 542 |
| Tier 1 risk-based capital ratio | 40.3155% | 227 |
| Total risk-based capital ratio | 41.6147% | 224 |
| Memoranda: | ||
| Average total assets | $19,566,670 | 5,982 |
| Average earning assets | $18,194,000 | 5,964 |
| Average equity | $3,224,000 | 5,865 |
| Average total loans | $4,888,330 | 6,000 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 5,847 |
| Cost of funding earning assets | 0.1759% | 5,412 |
| Net interest margin | 2.6381% | 5,680 |
| Noninterest income to average assets | 0.0815% | 5,880 |
| Noninterest expense to average assets | 2.8526% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3260% | 5,925 |
| Return on assets (ROA) | -0.3260% | 5,931 |
| Pretax return on assets | -0.3260% | 5,920 |
| Return on Equity (ROE) | -1.9938% | 5,907 |
| Retained earnings to average equity (ytd only) | -3.4891% | 5,514 |
| Net charge-offs to loans | 0.6312% | 347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 3,019 |
| Efficiency ratio | 112.9032% | 141 |
| Assets per employee ($millions) | 2.8496% | 5,647 |
| Cash dividends to net income (ytd only)* | -75.0000% | 6,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3659% | 13 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,066 |
| Noncurrent loans to loans | 0.5959% | 3,398 |
| Net loans and leases to total assets | 19.4816% | 6,001 |
| Net loans and leases to deposits | 23.2347% | 5,995 |
| Net loans and leases to core deposits | 23.5901% | 6,008 |
| Total domestic deposits to total assets | 83.8472% | 3,579 |
| Equity capital to assets | 16.1127% | 521 |
| Core capital (leverage) ratio | 15.1664% | 578 |
| Tier 1 risk-based capital ratio | 41.6690% | 214 |
| Total risk-based capital ratio | 42.9677% | 212 |
| Memoranda: | ||
| Average total assets | $19,631,500 | 6,041 |
| Average earning assets | $18,195,000 | 6,023 |
| Average equity | $3,210,000 | 5,921 |
| Average total loans | $5,069,500 | 6,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9579% | 5,761 |
| Cost of funding earning assets | 0.1897% | 5,370 |
| Net interest margin | 2.7681% | 5,574 |
| Noninterest income to average assets | 0.1774% | 5,523 |
| Noninterest expense to average assets | 2.6501% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0991% | 5,754 |
| Return on assets (ROA) | 0.0991% | 5,795 |
| Pretax return on assets | 0.1148% | 5,784 |
| Return on Equity (ROE) | 0.5923% | 5,827 |
| Retained earnings to average equity (ytd only) | 0.2182% | 5,424 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8491% | 400 |
| Assets per employee ($millions) | 2.7594% | 5,732 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3331% | 43 |
| Loan loss allowance to noncurrent loans | 1,585.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 5,190 |
| Noncurrent loans to loans | 0.3365% | 4,258 |
| Net loans and leases to total assets | 29.1313% | 5,914 |
| Net loans and leases to deposits | 34.9481% | 5,909 |
| Net loans and leases to core deposits | 35.5038% | 5,932 |
| Total domestic deposits to total assets | 83.3558% | 3,728 |
| Equity capital to assets | 16.5976% | 453 |
| Core capital (leverage) ratio | 16.1186% | 455 |
| Tier 1 risk-based capital ratio | 35.8801% | 314 |
| Total risk-based capital ratio | 37.1831% | 305 |
| Memoranda: | ||
| Average total assets | $19,169,000 | 6,103 |
| Average earning assets | $17,918,400 | 6,084 |
| Average equity | $3,207,800 | 5,970 |
| Average total loans | $6,080,200 | 6,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9610% | 5,841 |
| Cost of funding earning assets | 0.1851% | 5,502 |
| Net interest margin | 2.7760% | 5,620 |
| Noninterest income to average assets | 0.1742% | 5,606 |
| Noninterest expense to average assets | 2.5715% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1951% | 5,691 |
| Return on assets (ROA) | 0.1951% | 5,749 |
| Pretax return on assets | 0.2160% | 5,768 |
| Return on Equity (ROE) | 1.1636% | 5,831 |
| Retained earnings to average equity (ytd only) | 0.6648% | 5,425 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2500% | 556 |
| Assets per employee ($millions) | 2.6083% | 5,901 |
| Cash dividends to net income (ytd only)* | 42.8610% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5294% | 48 |
| Loan loss allowance to noncurrent loans | 348.3516% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,832 |
| Noncurrent loans to loans | 1.5873% | 1,566 |
| Net loans and leases to total assets | 29.6637% | 5,984 |
| Net loans and leases to deposits | 36.0394% | 5,980 |
| Net loans and leases to core deposits | 36.6540% | 6,001 |
| Total domestic deposits to total assets | 82.3091% | 4,066 |
| Equity capital to assets | 17.6416% | 373 |
| Core capital (leverage) ratio | 16.3901% | 441 |
| Tier 1 risk-based capital ratio | 38.1873% | 277 |
| Total risk-based capital ratio | 39.4803% | 276 |
| Memoranda: | ||
| Average total assets | $19,132,250 | 6,190 |
| Average earning assets | $18,011,250 | 6,168 |
| Average equity | $3,208,250 | 6,049 |
| Average total loans | $6,114,250 | 6,183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9193% | 5,925 |
| Cost of funding earning assets | 0.1859% | 5,565 |
| Net interest margin | 2.7334% | 5,732 |
| Noninterest income to average assets | 0.1750% | 5,649 |
| Noninterest expense to average assets | 2.4712% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1956% | 5,702 |
| Return on assets (ROA) | 0.1956% | 5,768 |
| Pretax return on assets | 0.2780% | 5,693 |
| Return on Equity (ROE) | 1.1860% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.4370% | 5,370 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8876% | 760 |
| Assets per employee ($millions) | 2.7104% | 5,907 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2913% | 54 |
| Loan loss allowance to noncurrent loans | 566.0714% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,694 |
| Noncurrent loans to loans | 0.9347% | 2,793 |
| Net loans and leases to total assets | 29.9057% | 6,042 |
| Net loans and leases to deposits | 35.9911% | 6,036 |
| Net loans and leases to core deposits | 36.5758% | 6,054 |
| Total domestic deposits to total assets | 83.0918% | 3,911 |
| Equity capital to assets | 16.8397% | 432 |
| Core capital (leverage) ratio | 15.3917% | 559 |
| Tier 1 risk-based capital ratio | 39.3951% | 276 |
| Total risk-based capital ratio | 40.6857% | 273 |
| Memoranda: | ||
| Average total assets | $19,423,670 | 6,263 |
| Average earning assets | $18,292,000 | 6,237 |
| Average equity | $3,204,000 | 6,109 |
| Average total loans | $6,241,330 | 6,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9646% | 5,930 |
| Cost of funding earning assets | 0.1948% | 5,557 |
| Net interest margin | 2.7699% | 5,702 |
| Noninterest income to average assets | 0.1629% | 5,760 |
| Noninterest expense to average assets | 2.5039% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2239% | 5,622 |
| Return on assets (ROA) | 0.2239% | 5,714 |
| Pretax return on assets | 0.2646% | 5,721 |
| Return on Equity (ROE) | 1.3714% | 5,837 |
| Retained earnings to average equity (ytd only) | -0.1247% | 5,400 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4412% | 821 |
| Assets per employee ($millions) | 2.9117% | 5,772 |
| Cash dividends to net income (ytd only)* | 109.0909% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3711% | 58 |
| Loan loss allowance to noncurrent loans | 1,268.0000% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 5,468 |
| Noncurrent loans to loans | 0.4236% | 4,321 |
| Net loans and leases to total assets | 27.4016% | 6,157 |
| Net loans and leases to deposits | 32.5485% | 6,143 |
| Net loans and leases to core deposits | 33.0317% | 6,162 |
| Total domestic deposits to total assets | 84.1870% | 3,747 |
| Equity capital to assets | 15.7688% | 575 |
| Core capital (leverage) ratio | 14.6308% | 663 |
| Tier 1 risk-based capital ratio | 36.7957% | 313 |
| Total risk-based capital ratio | 38.0818% | 307 |
| Memoranda: | ||
| Average total assets | $19,649,000 | 6,329 |
| Average earning assets | $18,484,500 | 6,301 |
| Average equity | $3,208,500 | 6,171 |
| Average total loans | $6,366,500 | 6,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 5,966 |
| Cost of funding earning assets | 0.2005% | 5,742 |
| Net interest margin | 2.8936% | 5,658 |
| Noninterest income to average assets | 0.1941% | 5,695 |
| Noninterest expense to average assets | 2.9222% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0239% | 6,109 |
| Return on assets (ROA) | 0.0153% | 6,093 |
| Pretax return on assets | 0.0613% | 6,032 |
| Return on Equity (ROE) | 0.0935% | 6,098 |
| Retained earnings to average equity (ytd only) | -0.2806% | 5,815 |
| Net charge-offs to loans | -0.0153% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 361 |
| Assets per employee ($millions) | 2.3645% | 6,241 |
| Cash dividends to net income (ytd only)* | 400.0000% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6406% | 84 |
| Loan loss allowance to noncurrent loans | 1,378.2609% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,543 |
| Noncurrent loans to loans | 0.3367% | 4,641 |
| Net loans and leases to total assets | 34.4365% | 6,021 |
| Net loans and leases to deposits | 41.4667% | 5,988 |
| Net loans and leases to core deposits | 42.1400% | 6,036 |
| Total domestic deposits to total assets | 83.0461% | 4,062 |
| Equity capital to assets | 16.9328% | 424 |
| Core capital (leverage) ratio | 14.9023% | 627 |
| Tier 1 risk-based capital ratio | 33.3293% | 386 |
| Total risk-based capital ratio | 34.6140% | 376 |
| Memoranda: | ||
| Average total assets | $19,574,400 | 6,419 |
| Average earning assets | $18,454,800 | 6,391 |
| Average equity | $3,207,400 | 6,227 |
| Average total loans | $6,524,200 | 6,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 5,918 |
| Cost of funding earning assets | 0.2003% | 5,823 |
| Net interest margin | 2.9832% | 5,531 |
| Noninterest income to average assets | 0.1959% | 5,750 |
| Noninterest expense to average assets | 2.5127% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4390% | 5,113 |
| Return on assets (ROA) | 0.4390% | 5,189 |
| Pretax return on assets | 0.4998% | 5,327 |
| Return on Equity (ROE) | 2.7010% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,954 |
| Net charge-offs to loans | -0.0206% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4081% | 1,460 |
| Assets per employee ($millions) | 2.7361% | 6,040 |
| Cash dividends to net income (ytd only)* | 18.4630% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8545% | 90 |
| Loan loss allowance to noncurrent loans | 137.8261% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 2,551 |
| Noncurrent loans to loans | 3.5222% | 677 |
| Net loans and leases to total assets | 32.4388% | 6,165 |
| Net loans and leases to deposits | 41.0316% | 6,086 |
| Net loans and leases to core deposits | 41.7232% | 6,127 |
| Total domestic deposits to total assets | 79.0581% | 5,313 |
| Equity capital to assets | 17.0261% | 425 |
| Core capital (leverage) ratio | 14.7593% | 664 |
| Tier 1 risk-based capital ratio | 35.1224% | 348 |
| Total risk-based capital ratio | 36.4020% | 344 |
| Memoranda: | ||
| Average total assets | $19,739,000 | 6,492 |
| Average earning assets | $18,637,500 | 6,465 |
| Average equity | $3,208,500 | 6,302 |
| Average total loans | $6,447,500 | 6,484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1904% | 5,968 |
| Cost of funding earning assets | 0.2021% | 5,893 |
| Net interest margin | 2.9884% | 5,560 |
| Noninterest income to average assets | 0.1906% | 5,816 |
| Noninterest expense to average assets | 2.5383% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4013% | 5,217 |
| Return on assets (ROA) | 0.4013% | 5,296 |
| Pretax return on assets | 0.4715% | 5,363 |
| Return on Equity (ROE) | 2.5071% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.7549% | 5,020 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3333% | 1,466 |
| Assets per employee ($millions) | 2.8184% | 6,006 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0415% | 87 |
| Loan loss allowance to noncurrent loans | 1,170.3704% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,740 |
| Noncurrent loans to loans | 0.4308% | 4,693 |
| Net loans and leases to total assets | 30.1688% | 6,298 |
| Net loans and leases to deposits | 36.1275% | 6,287 |
| Net loans and leases to core deposits | 36.6864% | 6,313 |
| Total domestic deposits to total assets | 83.5065% | 4,105 |
| Equity capital to assets | 16.4327% | 485 |
| Core capital (leverage) ratio | 13.7865% | 891 |
| Tier 1 risk-based capital ratio | 37.1032% | 295 |
| Total risk-based capital ratio | 38.3862% | 289 |
| Memoranda: | ||
| Average total assets | $19,934,330 | 6,554 |
| Average earning assets | $18,806,330 | 6,527 |
| Average equity | $3,191,000 | 6,350 |
| Average total loans | $6,420,000 | 6,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,773 |
| Cost of funding earning assets | 0.1902% | 6,077 |
| Net interest margin | 3.1494% | 5,093 |
| Noninterest income to average assets | 0.1797% | 5,891 |
| Noninterest expense to average assets | 2.3956% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5390% | 4,506 |
| Return on assets (ROA) | 0.5390% | 4,579 |
| Pretax return on assets | 0.7586% | 4,278 |
| Return on Equity (ROE) | 3.4118% | 5,315 |
| Retained earnings to average equity (ytd only) | 1.8954% | 4,833 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9494% | 2,815 |
| Assets per employee ($millions) | 3.0483% | 5,779 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1441% | 88 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,026 |
| Noncurrent loans to loans | 0.2605% | 5,321 |
| Net loans and leases to total assets | 27.3081% | 6,437 |
| Net loans and leases to deposits | 32.1029% | 6,435 |
| Net loans and leases to core deposits | 32.5531% | 6,448 |
| Total domestic deposits to total assets | 85.0642% | 3,837 |
| Equity capital to assets | 14.8514% | 705 |
| Core capital (leverage) ratio | 13.9561% | 833 |
| Tier 1 risk-based capital ratio | 34.9798% | 352 |
| Total risk-based capital ratio | 36.2651% | 345 |
| Memoranda: | ||
| Average total assets | $20,037,000 | 6,623 |
| Average earning assets | $18,924,500 | 6,593 |
| Average equity | $3,165,500 | 6,411 |
| Average total loans | $6,496,000 | 6,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9757% | 6,366 |
| Cost of funding earning assets | 0.2622% | 5,893 |
| Net interest margin | 2.7135% | 6,123 |
| Noninterest income to average assets | 0.1765% | 6,028 |
| Noninterest expense to average assets | 3.6557% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.9228% | 6,596 |
| Return on assets (ROA) | -0.9127% | 6,593 |
| Pretax return on assets | -0.9127% | 6,578 |
| Return on Equity (ROE) | -5.5314% | 6,498 |
| Retained earnings to average equity (ytd only) | -5.8982% | 6,412 |
| Net charge-offs to loans | 0.0627% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -45.7500% | 5,455 |
| Efficiency ratio | 133.7638% | 102 |
| Assets per employee ($millions) | 2.6766% | 6,248 |
| Cash dividends to net income (ytd only)* | -6.6298% | 6,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6138% | 120 |
| Loan loss allowance to noncurrent loans | 902.8571% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 5,751 |
| Noncurrent loans to loans | 0.5110% | 4,718 |
| Net loans and leases to total assets | 34.8687% | 6,253 |
| Net loans and leases to deposits | 42.6019% | 6,195 |
| Net loans and leases to core deposits | 42.6019% | 6,285 |
| Total domestic deposits to total assets | 81.8478% | 4,928 |
| Equity capital to assets | 16.8766% | 405 |
| Core capital (leverage) ratio | 14.1249% | 796 |
| Tier 1 risk-based capital ratio | 32.1880% | 423 |
| Total risk-based capital ratio | 33.4646% | 417 |
| Memoranda: | ||
| Average total assets | $19,832,000 | 6,703 |
| Average earning assets | $18,684,600 | 6,676 |
| Average equity | $3,272,200 | 6,477 |
| Average total loans | $6,376,800 | 6,704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 6,523 |
| Cost of funding earning assets | 0.2740% | 5,931 |
| Net interest margin | 2.5854% | 6,334 |
| Noninterest income to average assets | 0.1658% | 6,197 |
| Noninterest expense to average assets | 3.4682% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.8621% | 6,688 |
| Return on assets (ROA) | -0.8621% | 6,693 |
| Pretax return on assets | -0.8621% | 6,675 |
| Return on Equity (ROE) | -5.2528% | 6,605 |
| Retained earnings to average equity (ytd only) | -5.7377% | 6,522 |
| Net charge-offs to loans | 0.0852% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -32.5197% | 5,190 |
| Efficiency ratio | 133.0789% | 118 |
| Assets per employee ($millions) | 2.7157% | 6,263 |
| Cash dividends to net income (ytd only)* | -9.2309% | 6,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9553% | 118 |
| Loan loss allowance to noncurrent loans | 1,019.3548% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,951 |
| Noncurrent loans to loans | 0.4861% | 4,984 |
| Net loans and leases to total assets | 31.8832% | 6,455 |
| Net loans and leases to deposits | 38.4313% | 6,429 |
| Net loans and leases to core deposits | 39.0503% | 6,480 |
| Total domestic deposits to total assets | 82.9616% | 4,587 |
| Equity capital to assets | 17.0016% | 422 |
| Core capital (leverage) ratio | 14.7651% | 681 |
| Tier 1 risk-based capital ratio | 36.5092% | 298 |
| Total risk-based capital ratio | 37.7928% | 295 |
| Memoranda: | ||
| Average total assets | $20,106,000 | 6,771 |
| Average earning assets | $18,977,500 | 6,746 |
| Average equity | $3,299,750 | 6,549 |
| Average total loans | $6,258,750 | 6,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7961% | 6,612 |
| Cost of funding earning assets | 0.2889% | 5,912 |
| Net interest margin | 2.5072% | 6,443 |
| Noninterest income to average assets | 0.1661% | 6,224 |
| Noninterest expense to average assets | 3.9568% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.4166% | 6,803 |
| Return on assets (ROA) | -1.4166% | 6,808 |
| Pretax return on assets | -1.4166% | 6,798 |
| Return on Equity (ROE) | -8.7288% | 6,719 |
| Retained earnings to average equity (ytd only) | -9.4512% | 6,649 |
| Net charge-offs to loans | 0.1286% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -36.2500% | 4,894 |
| Efficiency ratio | 155.7692% | 65 |
| Assets per employee ($millions) | 2.8001% | 6,161 |
| Cash dividends to net income (ytd only)* | -8.2759% | 6,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9000% | 124 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,190 |
| Noncurrent loans to loans | 0.3101% | 5,524 |
| Net loans and leases to total assets | 31.2892% | 6,532 |
| Net loans and leases to deposits | 37.3895% | 6,509 |
| Net loans and leases to core deposits | 37.3895% | 6,559 |
| Total domestic deposits to total assets | 83.6845% | 4,461 |
| Equity capital to assets | 16.2798% | 493 |
| Core capital (leverage) ratio | 13.6132% | 937 |
| Tier 1 risk-based capital ratio | 34.0314% | 368 |
| Total risk-based capital ratio | 35.3154% | 359 |
| Memoranda: | ||
| Average total assets | $20,471,330 | 6,816 |
| Average earning assets | $19,384,000 | 6,792 |
| Average equity | $3,322,330 | 6,598 |
| Average total loans | $6,219,330 | 6,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7629% | 6,700 |
| Cost of funding earning assets | 0.3227% | 5,780 |
| Net interest margin | 2.4403% | 6,564 |
| Noninterest income to average assets | 0.1531% | 6,337 |
| Noninterest expense to average assets | 5.4146% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.9465% | 6,964 |
| Return on assets (ROA) | -2.9465% | 6,967 |
| Pretax return on assets | -2.9465% | 6,963 |
| Return on Equity (ROE) | -18.1818% | 6,885 |
| Retained earnings to average equity (ytd only) | -19.5986% | 6,828 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.3798% | 25 |
| Assets per employee ($millions) | 3.0261% | 5,940 |
| Cash dividends to net income (ytd only)* | -7.7922% | 6,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8694% | 83 |
| Loan loss allowance to noncurrent loans | 1,391.3043% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,252 |
| Noncurrent loans to loans | 0.4219% | 5,362 |
| Net loans and leases to total assets | 24.2270% | 6,768 |
| Net loans and leases to deposits | 28.6864% | 6,773 |
| Net loans and leases to core deposits | 28.6864% | 6,789 |
| Total domestic deposits to total assets | 84.4545% | 4,285 |
| Equity capital to assets | 15.4983% | 636 |
| Core capital (leverage) ratio | 13.3218% | 1,008 |
| Tier 1 risk-based capital ratio | 40.1803% | 229 |
| Total risk-based capital ratio | 41.4595% | 226 |
| Memoranda: | ||
| Average total assets | $20,906,500 | 6,885 |
| Average earning assets | $19,834,000 | 6,855 |
| Average equity | $3,388,000 | 6,647 |
| Average total loans | $6,104,500 | 6,908 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 6,467 |
| Cost of funding earning assets | 0.5736% | 4,602 |
| Net interest margin | 2.8426% | 6,330 |
| Noninterest income to average assets | 0.1772% | 6,132 |
| Noninterest expense to average assets | 2.7728% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1006% | 6,013 |
| Return on assets (ROA) | 0.2203% | 5,919 |
| Pretax return on assets | 0.2059% | 5,982 |
| Return on Equity (ROE) | 1.3054% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.9649% | 5,393 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9849% | 663 |
| Assets per employee ($millions) | 2.9471% | 6,086 |
| Cash dividends to net income (ytd only)* | 26.0870% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7358% | 157 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 6,599 |
| Noncurrent loans to loans | 0.0740% | 6,299 |
| Net loans and leases to total assets | 31.2021% | 6,656 |
| Net loans and leases to deposits | 39.9169% | 6,555 |
| Net loans and leases to core deposits | 39.9169% | 6,620 |
| Total domestic deposits to total assets | 78.1677% | 6,052 |
| Equity capital to assets | 16.9317% | 425 |
| Core capital (leverage) ratio | 14.1876% | 750 |
| Tier 1 risk-based capital ratio | 38.5640% | 259 |
| Total risk-based capital ratio | 39.8564% | 252 |
| Memoranda: | ||
| Average total assets | $20,881,600 | 6,946 |
| Average earning assets | $19,700,400 | 6,911 |
| Average equity | $3,523,800 | 6,683 |
| Average total loans | $6,573,200 | 6,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 6,438 |
| Cost of funding earning assets | 0.5802% | 4,837 |
| Net interest margin | 2.9819% | 6,200 |
| Noninterest income to average assets | 0.1719% | 6,278 |
| Noninterest expense to average assets | 2.4318% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4854% | 4,900 |
| Return on assets (ROA) | 0.6238% | 4,530 |
| Pretax return on assets | 0.7130% | 4,818 |
| Return on Equity (ROE) | 3.6998% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.2468% | 4,584 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4499% | 1,873 |
| Assets per employee ($millions) | 2.5244% | 6,682 |
| Cash dividends to net income (ytd only)* | 12.2455% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3227% | 115 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 6,722 |
| Noncurrent loans to loans | 0.0665% | 6,448 |
| Net loans and leases to total assets | 28.1852% | 6,872 |
| Net loans and leases to deposits | 36.4919% | 6,802 |
| Net loans and leases to core deposits | 36.4919% | 6,845 |
| Total domestic deposits to total assets | 77.2369% | 6,200 |
| Equity capital to assets | 17.6875% | 385 |
| Core capital (leverage) ratio | 14.7325% | 662 |
| Tier 1 risk-based capital ratio | 43.2371% | 194 |
| Total risk-based capital ratio | 44.5239% | 190 |
| Memoranda: | ||
| Average total assets | $20,944,500 | 7,035 |
| Average earning assets | $19,763,250 | 6,999 |
| Average equity | $3,531,500 | 6,762 |
| Average total loans | $6,527,250 | 7,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 6,354 |
| Cost of funding earning assets | 0.5811% | 5,064 |
| Net interest margin | 3.1058% | 5,986 |
| Noninterest income to average assets | 0.1793% | 6,287 |
| Noninterest expense to average assets | 2.4629% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5049% | 4,804 |
| Return on assets (ROA) | 0.6889% | 4,193 |
| Pretax return on assets | 0.8776% | 4,165 |
| Return on Equity (ROE) | 4.1501% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.4679% | 4,289 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3313% | 2,284 |
| Assets per employee ($millions) | 3.0146% | 6,037 |
| Cash dividends to net income (ytd only)* | 16.4384% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9984% | 167 |
| Loan loss allowance to noncurrent loans | 1,523.8095% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,551 |
| Noncurrent loans to loans | 0.3280% | 5,894 |
| Net loans and leases to total assets | 28.8219% | 6,911 |
| Net loans and leases to deposits | 36.7781% | 6,847 |
| Net loans and leases to core deposits | 36.7781% | 6,898 |
| Total domestic deposits to total assets | 78.3670% | 6,088 |
| Equity capital to assets | 16.7472% | 479 |
| Core capital (leverage) ratio | 14.3784% | 720 |
| Tier 1 risk-based capital ratio | 40.9775% | 214 |
| Total risk-based capital ratio | 42.2645% | 211 |
| Memoranda: | ||
| Average total assets | $21,194,330 | 7,091 |
| Average earning assets | $19,962,330 | 7,052 |
| Average equity | $3,518,000 | 6,805 |
| Average total loans | $6,699,000 | 7,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 6,334 |
| Cost of funding earning assets | 0.6025% | 5,105 |
| Net interest margin | 3.1532% | 5,902 |
| Noninterest income to average assets | 0.1883% | 6,251 |
| Noninterest expense to average assets | 2.2410% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6450% | 4,139 |
| Return on assets (ROA) | 0.9793% | 2,765 |
| Pretax return on assets | 1.3747% | 2,266 |
| Return on Equity (ROE) | 5.9259% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.5584% | 3,845 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2575% | 3,579 |
| Assets per employee ($millions) | 2.7040% | 6,635 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1086% | 163 |
| Loan loss allowance to noncurrent loans | 1,882.3529% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 6,689 |
| Noncurrent loans to loans | 0.2714% | 6,137 |
| Net loans and leases to total assets | 27.4778% | 6,992 |
| Net loans and leases to deposits | 34.8336% | 6,925 |
| Net loans and leases to core deposits | 34.8336% | 6,972 |
| Total domestic deposits to total assets | 78.8831% | 6,101 |
| Equity capital to assets | 16.2953% | 532 |
| Core capital (leverage) ratio | 14.0365% | 798 |
| Tier 1 risk-based capital ratio | 31.7852% | 442 |
| Total risk-based capital ratio | 33.0664% | 432 |
| Memoranda: | ||
| Average total assets | $21,240,500 | 7,150 |
| Average earning assets | $19,916,000 | 7,114 |
| Average equity | $3,510,000 | 6,849 |
| Average total loans | $6,847,500 | 7,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 5,758 |
| Cost of funding earning assets | 0.7469% | 5,232 |
| Net interest margin | 3.5556% | 4,907 |
| Noninterest income to average assets | 0.2083% | 6,027 |
| Noninterest expense to average assets | 2.9752% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5405% | 4,270 |
| Return on assets (ROA) | 0.5405% | 4,463 |
| Pretax return on assets | 0.5851% | 4,736 |
| Return on Equity (ROE) | 3.1725% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.8232% | 4,230 |
| Net charge-offs to loans | 0.0136% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 277 |
| Efficiency ratio | 83.5655% | 1,816 |
| Assets per employee ($millions) | 2.9784% | 6,134 |
| Cash dividends to net income (ytd only)* | 11.0092% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3063% | 293 |
| Loan loss allowance to noncurrent loans | 1,882.3529% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,750 |
| Noncurrent loans to loans | 0.2288% | 6,284 |
| Net loans and leases to total assets | 34.1072% | 6,866 |
| Net loans and leases to deposits | 44.7317% | 6,685 |
| Net loans and leases to core deposits | 45.4697% | 6,752 |
| Total domestic deposits to total assets | 76.2483% | 6,445 |
| Equity capital to assets | 16.7634% | 481 |
| Core capital (leverage) ratio | 14.4757% | 721 |
| Tier 1 risk-based capital ratio | 35.1861% | 330 |
| Total risk-based capital ratio | 36.4623% | 323 |
| Memoranda: | ||
| Average total assets | $20,166,400 | 7,205 |
| Average earning assets | $19,012,000 | 7,162 |
| Average equity | $3,435,800 | 6,898 |
| Average total loans | $7,345,200 | 7,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 5,902 |
| Cost of funding earning assets | 0.7612% | 5,389 |
| Net interest margin | 3.5523% | 4,970 |
| Noninterest income to average assets | 0.2134% | 6,088 |
| Noninterest expense to average assets | 2.6605% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7668% | 3,312 |
| Return on assets (ROA) | 0.7668% | 3,474 |
| Pretax return on assets | 0.9135% | 3,707 |
| Return on Equity (ROE) | 4.4820% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.0143% | 3,861 |
| Net charge-offs to loans | 0.0182% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 137.3383% | 273 |
| Efficiency ratio | 74.4403% | 3,097 |
| Assets per employee ($millions) | 2.8017% | 6,483 |
| Cash dividends to net income (ytd only)* | 10.4350% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2161% | 339 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 6,996 |
| Noncurrent loans to loans | 0.0659% | 6,764 |
| Net loans and leases to total assets | 37.0691% | 6,820 |
| Net loans and leases to deposits | 48.2832% | 6,609 |
| Net loans and leases to core deposits | 49.1249% | 6,708 |
| Total domestic deposits to total assets | 76.7744% | 6,411 |
| Equity capital to assets | 17.9227% | 397 |
| Core capital (leverage) ratio | 14.9590% | 671 |
| Tier 1 risk-based capital ratio | 33.9065% | 387 |
| Total risk-based capital ratio | 35.1903% | 376 |
| Memoranda: | ||
| Average total assets | $19,995,750 | 7,280 |
| Average earning assets | $18,916,500 | 7,236 |
| Average equity | $3,421,000 | 6,959 |
| Average total loans | $7,323,750 | 7,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 6,309 |
| Cost of funding earning assets | 0.7764% | 5,531 |
| Net interest margin | 3.4099% | 5,523 |
| Noninterest income to average assets | 0.2186% | 6,101 |
| Noninterest expense to average assets | 2.7232% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6261% | 3,926 |
| Return on assets (ROA) | 0.6261% | 4,054 |
| Pretax return on assets | 0.7255% | 4,297 |
| Return on Equity (ROE) | 3.7172% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.0091% | 4,362 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9625% | 2,564 |
| Assets per employee ($millions) | 2.8416% | 6,404 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4142% | 298 |
| Loan loss allowance to noncurrent loans | 302.8302% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 5,850 |
| Noncurrent loans to loans | 1.4576% | 4,240 |
| Net loans and leases to total assets | 34.9455% | 7,020 |
| Net loans and leases to deposits | 45.2981% | 6,862 |
| Net loans and leases to core deposits | 46.0667% | 6,937 |
| Total domestic deposits to total assets | 77.1454% | 6,430 |
| Equity capital to assets | 17.6814% | 411 |
| Core capital (leverage) ratio | 14.1801% | 829 |
| Tier 1 risk-based capital ratio | 33.2615% | 411 |
| Total risk-based capital ratio | 35.2568% | 375 |
| Memoranda: | ||
| Average total assets | $20,123,670 | 7,349 |
| Average earning assets | $19,062,000 | 7,305 |
| Average equity | $3,389,670 | 7,016 |
| Average total loans | $7,235,000 | 7,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 6,594 |
| Cost of funding earning assets | 0.7943% | 5,599 |
| Net interest margin | 3.2606% | 5,900 |
| Noninterest income to average assets | 0.2174% | 6,173 |
| Noninterest expense to average assets | 2.7273% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4941% | 4,509 |
| Return on assets (ROA) | 0.4941% | 4,594 |
| Pretax return on assets | 0.5731% | 4,788 |
| Return on Equity (ROE) | 3.0066% | 5,367 |
| Retained earnings to average equity (ytd only) | 1.5634% | 5,174 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6347% | 2,133 |
| Assets per employee ($millions) | 3.0757% | 5,993 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8688% | 223 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,986 |
| Noncurrent loans to loans | 0.2275% | 6,524 |
| Net loans and leases to total assets | 29.1314% | 7,257 |
| Net loans and leases to deposits | 36.5949% | 7,209 |
| Net loans and leases to core deposits | 37.1498% | 7,238 |
| Total domestic deposits to total assets | 79.6052% | 6,036 |
| Equity capital to assets | 15.6294% | 643 |
| Core capital (leverage) ratio | 13.7653% | 899 |
| Tier 1 risk-based capital ratio | 24.6162% | 919 |
| Total risk-based capital ratio | 26.2035% | 866 |
| Memoranda: | ||
| Average total assets | $20,240,000 | 7,399 |
| Average earning assets | $19,137,500 | 7,360 |
| Average equity | $3,326,000 | 7,070 |
| Average total loans | $7,216,500 | 7,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 5,082 |
| Cost of funding earning assets | 0.9148% | 6,106 |
| Net interest margin | 3.9754% | 3,123 |
| Noninterest income to average assets | 0.2174% | 6,252 |
| Noninterest expense to average assets | 3.4777% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5248% | 3,983 |
| Return on assets (ROA) | 0.5248% | 4,137 |
| Pretax return on assets | 0.4718% | 4,717 |
| Return on Equity (ROE) | 3.0080% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.6434% | 4,009 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0537% | 1,482 |
| Assets per employee ($millions) | 2.7071% | 6,673 |
| Cash dividends to net income (ytd only)* | 12.1212% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0944% | 369 |
| Loan loss allowance to noncurrent loans | 1,605.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 6,969 |
| Noncurrent loans to loans | 0.2551% | 6,554 |
| Net loans and leases to total assets | 39.6781% | 6,982 |
| Net loans and leases to deposits | 51.3523% | 6,791 |
| Net loans and leases to core deposits | 52.2552% | 6,894 |
| Total domestic deposits to total assets | 77.2665% | 6,437 |
| Equity capital to assets | 17.3456% | 419 |
| Core capital (leverage) ratio | 15.9996% | 511 |
| Tier 1 risk-based capital ratio | 33.3682% | 393 |
| Total risk-based capital ratio | 34.6427% | 384 |
| Memoranda: | ||
| Average total assets | $18,863,200 | 7,492 |
| Average earning assets | $17,708,800 | 7,455 |
| Average equity | $3,291,200 | 7,193 |
| Average total loans | $7,560,200 | 7,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 5,165 |
| Cost of funding earning assets | 0.9345% | 6,254 |
| Net interest margin | 3.9869% | 3,162 |
| Noninterest income to average assets | 0.2123% | 6,393 |
| Noninterest expense to average assets | 3.1844% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9058% | 2,582 |
| Return on assets (ROA) | 0.9058% | 2,729 |
| Pretax return on assets | 0.7713% | 4,005 |
| Return on Equity (ROE) | 5.1837% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.6977% | 3,196 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5009% | 2,277 |
| Assets per employee ($millions) | 2.7527% | 6,684 |
| Cash dividends to net income (ytd only)* | 9.3754% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2170% | 308 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 7,148 |
| Noncurrent loans to loans | 0.1971% | 6,785 |
| Net loans and leases to total assets | 37.8380% | 7,188 |
| Net loans and leases to deposits | 49.0679% | 7,040 |
| Net loans and leases to core deposits | 49.9178% | 7,127 |
| Total domestic deposits to total assets | 77.1135% | 6,454 |
| Equity capital to assets | 17.5515% | 455 |
| Core capital (leverage) ratio | 16.7257% | 458 |
| Tier 1 risk-based capital ratio | 33.8108% | 384 |
| Total risk-based capital ratio | 35.0853% | 375 |
| Memoranda: | ||
| Average total assets | $18,841,500 | 7,585 |
| Average earning assets | $17,691,000 | 7,556 |
| Average equity | $3,292,250 | 7,281 |
| Average total loans | $7,490,250 | 7,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 5,012 |
| Cost of funding earning assets | 0.9467% | 6,389 |
| Net interest margin | 4.0378% | 2,843 |
| Noninterest income to average assets | 0.1925% | 6,518 |
| Noninterest expense to average assets | 3.3906% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8771% | 2,632 |
| Return on assets (ROA) | 0.8771% | 2,766 |
| Pretax return on assets | 0.5883% | 4,600 |
| Return on Equity (ROE) | 5.0271% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.2914% | 3,348 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2151% | 1,798 |
| Assets per employee ($millions) | 2.6330% | 6,889 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2209% | 314 |
| Loan loss allowance to noncurrent loans | 917.1429% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 6,922 |
| Noncurrent loans to loans | 0.4602% | 6,333 |
| Net loans and leases to total assets | 39.5204% | 7,195 |
| Net loans and leases to deposits | 51.7146% | 6,995 |
| Net loans and leases to core deposits | 51.7146% | 7,146 |
| Total domestic deposits to total assets | 76.4202% | 6,609 |
| Equity capital to assets | 18.0077% | 415 |
| Core capital (leverage) ratio | 16.6763% | 478 |
| Tier 1 risk-based capital ratio | 33.4423% | 390 |
| Total risk-based capital ratio | 34.7189% | 386 |
| Memoranda: | ||
| Average total assets | $18,699,000 | 7,662 |
| Average earning assets | $17,534,330 | 7,624 |
| Average equity | $3,262,330 | 7,335 |
| Average total loans | $7,449,670 | 7,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 5,509 |
| Cost of funding earning assets | 0.9508% | 6,577 |
| Net interest margin | 3.9390% | 3,156 |
| Noninterest income to average assets | 0.1699% | 6,755 |
| Noninterest expense to average assets | 2.4425% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1699% | 1,616 |
| Return on assets (ROA) | 0.1912% | 5,838 |
| Pretax return on assets | -0.1062% | 6,472 |
| Return on Equity (ROE) | 1.1132% | 6,092 |
| Retained earnings to average equity (ytd only) | -0.3711% | 5,916 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1868% | 5,627 |
| Assets per employee ($millions) | 2.7263% | 6,812 |
| Cash dividends to net income (ytd only)* | 133.3333% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4851% | 256 |
| Loan loss allowance to noncurrent loans | 4,585.7143% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,403 |
| Noncurrent loans to loans | 0.0978% | 7,150 |
| Net loans and leases to total assets | 35.8206% | 7,429 |
| Net loans and leases to deposits | 46.2329% | 7,325 |
| Net loans and leases to core deposits | 46.2329% | 7,421 |
| Total domestic deposits to total assets | 77.4785% | 6,453 |
| Equity capital to assets | 17.1295% | 519 |
| Core capital (leverage) ratio | 16.0184% | 577 |
| Tier 1 risk-based capital ratio | 33.2482% | 401 |
| Total risk-based capital ratio | 34.5246% | 393 |
| Memoranda: | ||
| Average total assets | $18,833,000 | 7,752 |
| Average earning assets | $17,669,500 | 7,715 |
| Average equity | $3,234,000 | 7,423 |
| Average total loans | $7,372,000 | 7,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4075% | 4,668 |
| Cost of funding earning assets | 1.2392% | 6,511 |
| Net interest margin | 4.1683% | 2,190 |
| Noninterest income to average assets | 0.1875% | 6,746 |
| Noninterest expense to average assets | 3.1372% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9428% | 2,033 |
| Return on assets (ROA) | 0.9428% | 2,087 |
| Pretax return on assets | 0.9263% | 2,838 |
| Return on Equity (ROE) | 5.4382% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.0566% | 1,791 |
| Net charge-offs to loans | 0.0128% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 170 |
| Efficiency ratio | 77.2049% | 3,326 |
| Assets per employee ($millions) | 2.6546% | 6,941 |
| Cash dividends to net income (ytd only)* | 7.0175% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2309% | 308 |
| Loan loss allowance to noncurrent loans | 5,350.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 7,441 |
| Noncurrent loans to loans | 0.0791% | 7,220 |
| Net loans and leases to total assets | 39.1024% | 7,398 |
| Net loans and leases to deposits | 50.6801% | 7,219 |
| Net loans and leases to core deposits | 55.7508% | 7,412 |
| Total domestic deposits to total assets | 77.1553% | 6,426 |
| Equity capital to assets | 17.2156% | 530 |
| Core capital (leverage) ratio | 15.9033% | 631 |
| Tier 1 risk-based capital ratio | 30.2654% | 509 |
| Total risk-based capital ratio | 31.5376% | 494 |
| Memoranda: | ||
| Average total assets | $18,137,000 | 7,824 |
| Average earning assets | $16,865,400 | 7,795 |
| Average equity | $3,144,400 | 7,550 |
| Average total loans | $7,805,200 | 7,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,381 |
| Cost of funding earning assets | 1.2736% | 6,645 |
| Net interest margin | 4.2347% | 1,928 |
| Noninterest income to average assets | 0.1849% | 6,902 |
| Noninterest expense to average assets | 2.7589% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3536% | 1,113 |
| Return on assets (ROA) | 1.3536% | 1,177 |
| Pretax return on assets | 1.3609% | 1,796 |
| Return on Equity (ROE) | 7.7933% | 2,729 |
| Retained earnings to average equity (ytd only) | 7.2823% | 1,403 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9659% | 5,196 |
| Assets per employee ($millions) | 2.6450% | 6,952 |
| Cash dividends to net income (ytd only)* | 6.5576% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1656% | 262 |
| Loan loss allowance to noncurrent loans | 4,025.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 7,465 |
| Noncurrent loans to loans | 0.1035% | 7,221 |
| Net loans and leases to total assets | 40.0108% | 7,466 |
| Net loans and leases to deposits | 52.3904% | 7,288 |
| Net loans and leases to core deposits | 57.7127% | 7,478 |
| Total domestic deposits to total assets | 76.3705% | 6,507 |
| Equity capital to assets | 17.8936% | 525 |
| Core capital (leverage) ratio | 17.0189% | 551 |
| Tier 1 risk-based capital ratio | 31.8786% | 476 |
| Total risk-based capital ratio | 33.1574% | 465 |
| Memoranda: | ||
| Average total assets | $18,025,750 | 7,907 |
| Average earning assets | $16,750,250 | 7,879 |
| Average equity | $3,130,750 | 7,624 |
| Average total loans | $7,859,750 | 7,864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 3,905 |
| Cost of funding earning assets | 1.2959% | 6,822 |
| Net interest margin | 4.3358% | 1,560 |
| Noninterest income to average assets | 0.1903% | 6,935 |
| Noninterest expense to average assets | 2.4520% | 6,290 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8026% | 463 |
| Return on assets (ROA) | 1.8026% | 502 |
| Pretax return on assets | 1.7467% | 940 |
| Return on Equity (ROE) | 10.4886% | 1,854 |
| Retained earnings to average equity (ytd only) | 9.7068% | 786 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4000% | 6,787 |
| Assets per employee ($millions) | 2.5701% | 7,114 |
| Cash dividends to net income (ytd only)* | 7.4534% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8974% | 283 |
| Loan loss allowance to noncurrent loans | 1,006.2500% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 7,101 |
| Noncurrent loans to loans | 0.3873% | 6,542 |
| Net loans and leases to total assets | 44.1332% | 7,317 |
| Net loans and leases to deposits | 57.6825% | 7,049 |
| Net loans and leases to core deposits | 62.2160% | 7,374 |
| Total domestic deposits to total assets | 76.5105% | 6,433 |
| Equity capital to assets | 17.5755% | 597 |
| Core capital (leverage) ratio | 17.1744% | 595 |
| Tier 1 risk-based capital ratio | 30.0167% | 607 |
| Total risk-based capital ratio | 31.2863% | 586 |
| Memoranda: | ||
| Average total assets | $17,862,670 | 7,991 |
| Average earning assets | $16,513,670 | 7,964 |
| Average equity | $3,070,000 | 7,706 |
| Average total loans | $7,903,000 | 7,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 3,958 |
| Cost of funding earning assets | 1.3134% | 6,983 |
| Net interest margin | 4.3536% | 1,458 |
| Noninterest income to average assets | 0.1573% | 7,185 |
| Noninterest expense to average assets | 2.3148% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5395% | 124 |
| Return on assets (ROA) | 2.5395% | 150 |
| Pretax return on assets | 1.8653% | 869 |
| Return on Equity (ROE) | 14.9471% | 983 |
| Retained earnings to average equity (ytd only) | 13.3598% | 588 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3763% | 7,055 |
| Assets per employee ($millions) | 2.9897% | 6,186 |
| Cash dividends to net income (ytd only)* | 10.6195% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3210% | 161 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 7,497 |
| Noncurrent loans to loans | 0.0939% | 7,257 |
| Net loans and leases to total assets | 39.7480% | 7,581 |
| Net loans and leases to deposits | 51.7004% | 7,421 |
| Net loans and leases to core deposits | 53.6574% | 7,685 |
| Total domestic deposits to total assets | 76.8815% | 6,310 |
| Equity capital to assets | 17.2929% | 691 |
| Core capital (leverage) ratio | 16.3243% | 739 |
| Tier 1 risk-based capital ratio | 31.5722% | 557 |
| Total risk-based capital ratio | 32.8504% | 543 |
| Memoranda: | ||
| Average total assets | $17,798,500 | 8,042 |
| Average earning assets | $16,446,000 | 8,017 |
| Average equity | $3,024,000 | 7,776 |
| Average total loans | $7,723,500 | 8,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0580% | 5,262 |
| Cost of funding earning assets | 1.6378% | 7,372 |
| Net interest margin | 4.4202% | 1,623 |
| Noninterest income to average assets | 0.1965% | 7,045 |
| Noninterest expense to average assets | 2.9913% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0426% | 2,391 |
| Return on assets (ROA) | -10.0929% | 8,256 |
| Pretax return on assets | -12.6038% | 8,270 |
| Return on Equity (ROE) | -49.8034% | 8,154 |
| Retained earnings to average equity (ytd only) | -50.1266% | 8,138 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4550% | 4,453 |
| Assets per employee ($millions) | 2.5227% | 7,168 |
| Cash dividends to net income (ytd only)* | -0.6490% | 7,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0275% | 183 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 7,455 |
| Noncurrent loans to loans | 0.0750% | 7,200 |
| Net loans and leases to total assets | 43.4509% | 7,503 |
| Net loans and leases to deposits | 56.1590% | 7,309 |
| Net loans and leases to core deposits | 59.0503% | 7,624 |
| Total domestic deposits to total assets | 77.3713% | 5,901 |
| Equity capital to assets | 16.6827% | 813 |
| Core capital (leverage) ratio | 15.9455% | 837 |
| Tier 1 risk-based capital ratio | 28.9450% | 698 |
| Total risk-based capital ratio | 30.2167% | 689 |
| Memoranda: | ||
| Average total assets | $18,319,800 | 8,068 |
| Average earning assets | $17,035,400 | 8,040 |
| Average equity | $3,712,600 | 7,600 |
| Average total loans | $7,847,800 | 8,042 |