Home > The Monitor Bank > Performance and Condition Ratios
The Monitor Bank, Performance and Condition Ratios
| 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 | 3.6242% | 4,445 |
| Cost of funding earning assets | 0.1794% | 5,143 |
| Net interest margin | 3.4447% | 3,612 |
| Noninterest income to average assets | 0.1099% | 5,481 |
| Noninterest expense to average assets | 2.0030% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8700% | 3,073 |
| Return on assets (ROA) | 0.8700% | 3,121 |
| Pretax return on assets | 1.3194% | 2,312 |
| Return on Equity (ROE) | 6.1747% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.1747% | 2,027 |
| Net charge-offs to loans | 0.3696% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.7317% | 2,672 |
| Efficiency ratio | 60.2878% | 4,279 |
| Assets per employee ($millions) | 3.9439% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,612 |
| Loan loss allowance to noncurrent loans | 54.1667% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 1,735 |
| Noncurrent loans to loans | 1.6750% | 1,091 |
| Net loans and leases to total assets | 53.9998% | 4,391 |
| Net loans and leases to deposits | 63.7329% | 4,387 |
| Net loans and leases to core deposits | 67.5388% | 4,374 |
| Total domestic deposits to total assets | 84.7283% | 2,923 |
| Equity capital to assets | 15.1829% | 675 |
| Core capital (leverage) ratio | 14.4634% | 751 |
| Tier 1 risk-based capital ratio | 23.9539% | 856 |
| Total risk-based capital ratio | 24.7340% | 886 |
| Memoranda: | ||
| Average total assets | $41,837,330 | 5,410 |
| Average earning assets | $39,016,000 | 5,392 |
| Average equity | $5,895,000 | 5,204 |
| Average total loans | $22,185,000 | 5,348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,536 |
| Cost of funding earning assets | 0.2108% | 4,878 |
| Net interest margin | 3.3428% | 3,867 |
| Noninterest income to average assets | 0.1301% | 5,465 |
| Noninterest expense to average assets | 2.0169% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7807% | 3,305 |
| Return on assets (ROA) | 0.7807% | 3,362 |
| Pretax return on assets | 1.2083% | 2,557 |
| Return on Equity (ROE) | 5.7451% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.7451% | 2,473 |
| Net charge-offs to loans | 0.7456% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.0952% | 2,511 |
| Efficiency ratio | 62.5360% | 4,070 |
| Assets per employee ($millions) | 4.2844% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,896 |
| Loan loss allowance to noncurrent loans | 76.6798% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 2,628 |
| Noncurrent loans to loans | 1.1229% | 1,819 |
| Net loans and leases to total assets | 52.1357% | 4,506 |
| Net loans and leases to deposits | 60.5372% | 4,533 |
| Net loans and leases to core deposits | 64.2662% | 4,519 |
| Total domestic deposits to total assets | 86.1217% | 2,616 |
| Equity capital to assets | 13.7499% | 987 |
| Core capital (leverage) ratio | 14.1109% | 812 |
| Tier 1 risk-based capital ratio | 22.2705% | 1,057 |
| Total risk-based capital ratio | 23.0039% | 1,090 |
| Memoranda: | ||
| Average total assets | $43,036,500 | 5,446 |
| Average earning assets | $39,846,500 | 5,436 |
| Average equity | $5,848,500 | 5,258 |
| Average total loans | $22,531,500 | 5,391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 4,936 |
| Cost of funding earning assets | 0.2264% | 4,769 |
| Net interest margin | 3.1948% | 4,469 |
| Noninterest income to average assets | 0.1910% | 5,262 |
| Noninterest expense to average assets | 2.1531% | 4,883 |
| Loan and lease loss provision to assets | 0.0613% | 3,143 |
| Net operating income to assets | 0.6627% | 3,939 |
| Return on assets (ROA) | 0.6627% | 4,057 |
| Pretax return on assets | 1.0046% | 3,462 |
| Return on Equity (ROE) | 4.9599% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.9599% | 2,373 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8864% | 3,456 |
| Assets per employee ($millions) | 4.3229% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,027 |
| Loan loss allowance to noncurrent loans | 84.8921% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 2,796 |
| Noncurrent loans to loans | 1.2338% | 1,665 |
| Net loans and leases to total assets | 51.5765% | 4,645 |
| Net loans and leases to deposits | 59.6309% | 4,699 |
| Net loans and leases to core deposits | 63.2439% | 4,674 |
| Total domestic deposits to total assets | 86.4929% | 2,373 |
| Equity capital to assets | 13.4308% | 1,082 |
| Core capital (leverage) ratio | 13.4798% | 976 |
| Tier 1 risk-based capital ratio | 22.0492% | 1,075 |
| Total risk-based capital ratio | 22.9455% | 1,096 |
| Memoranda: | ||
| Average total assets | $42,403,400 | 5,502 |
| Average earning assets | $40,189,800 | 5,465 |
| Average equity | $5,665,400 | 5,342 |
| Average total loans | $22,417,200 | 5,432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 4,971 |
| Cost of funding earning assets | 0.2250% | 4,834 |
| Net interest margin | 3.2004% | 4,488 |
| Noninterest income to average assets | 0.1769% | 5,393 |
| Noninterest expense to average assets | 2.1549% | 4,882 |
| Loan and lease loss provision to assets | 0.0664% | 2,897 |
| Net operating income to assets | 0.6667% | 4,013 |
| Return on assets (ROA) | 0.6667% | 4,137 |
| Pretax return on assets | 1.0111% | 3,592 |
| Return on Equity (ROE) | 4.9968% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.9968% | 2,830 |
| Net charge-offs to loans | -0.0179% | 4,973 |
| Credit loss provision to net charge-offs | -700.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,474 |
| Assets per employee ($millions) | 4.1894% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,427 |
| Loan loss allowance to noncurrent loans | 82.1053% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 2,872 |
| Noncurrent loans to loans | 1.2152% | 1,844 |
| Net loans and leases to total assets | 55.4208% | 4,369 |
| Net loans and leases to deposits | 64.3158% | 4,461 |
| Net loans and leases to core deposits | 69.1279% | 4,388 |
| Total domestic deposits to total assets | 86.1699% | 2,273 |
| Equity capital to assets | 13.6917% | 1,165 |
| Core capital (leverage) ratio | 13.6260% | 960 |
| Tier 1 risk-based capital ratio | 21.5866% | 1,182 |
| Total risk-based capital ratio | 22.4673% | 1,209 |
| Memoranda: | ||
| Average total assets | $42,197,000 | 5,560 |
| Average earning assets | $40,285,500 | 5,518 |
| Average equity | $5,630,250 | 5,401 |
| Average total loans | $22,388,500 | 5,486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3984% | 5,084 |
| Cost of funding earning assets | 0.2229% | 4,913 |
| Net interest margin | 3.1754% | 4,623 |
| Noninterest income to average assets | 0.2175% | 5,187 |
| Noninterest expense to average assets | 2.1136% | 5,027 |
| Loan and lease loss provision to assets | 0.0946% | 2,263 |
| Net operating income to assets | 0.6856% | 3,868 |
| Return on assets (ROA) | 0.6856% | 4,013 |
| Pretax return on assets | 1.0402% | 3,431 |
| Return on Equity (ROE) | 5.1832% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.1832% | 2,612 |
| Net charge-offs to loans | -0.0182% | 4,909 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0655% | 3,836 |
| Assets per employee ($millions) | 4.1756% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,425 |
| Loan loss allowance to noncurrent loans | 101.3100% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 3,380 |
| Noncurrent loans to loans | 1.0035% | 2,282 |
| Net loans and leases to total assets | 54.0976% | 4,504 |
| Net loans and leases to deposits | 62.7769% | 4,588 |
| Net loans and leases to core deposits | 67.5266% | 4,510 |
| Total domestic deposits to total assets | 86.1744% | 2,342 |
| Equity capital to assets | 13.5789% | 1,191 |
| Core capital (leverage) ratio | 13.5730% | 954 |
| Tier 1 risk-based capital ratio | 22.0726% | 1,130 |
| Total risk-based capital ratio | 22.9757% | 1,152 |
| Memoranda: | ||
| Average total assets | $42,298,000 | 5,624 |
| Average earning assets | $40,372,330 | 5,578 |
| Average equity | $5,595,000 | 5,458 |
| Average total loans | $22,034,000 | 5,560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3200% | 5,282 |
| Cost of funding earning assets | 0.2253% | 4,947 |
| Net interest margin | 3.0947% | 4,875 |
| Noninterest income to average assets | 0.1316% | 5,687 |
| Noninterest expense to average assets | 2.1236% | 5,064 |
| Loan and lease loss provision to assets | 0.0564% | 2,816 |
| Net operating income to assets | 0.6108% | 4,131 |
| Return on assets (ROA) | 0.6108% | 4,250 |
| Pretax return on assets | 0.9209% | 3,761 |
| Return on Equity (ROE) | 4.6784% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,131 |
| Net charge-offs to loans | -0.0370% | 5,168 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4848% | 3,376 |
| Assets per employee ($millions) | 4.2025% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,520 |
| Loan loss allowance to noncurrent loans | 119.1257% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 3,839 |
| Noncurrent loans to loans | 0.8522% | 2,715 |
| Net loans and leases to total assets | 50.5770% | 4,751 |
| Net loans and leases to deposits | 58.4410% | 4,827 |
| Net loans and leases to core deposits | 62.8029% | 4,767 |
| Total domestic deposits to total assets | 86.5437% | 2,425 |
| Equity capital to assets | 13.3016% | 1,267 |
| Core capital (leverage) ratio | 13.5011% | 983 |
| Tier 1 risk-based capital ratio | 22.6114% | 1,073 |
| Total risk-based capital ratio | 23.4932% | 1,110 |
| Memoranda: | ||
| Average total assets | $42,569,000 | 5,670 |
| Average earning assets | $40,843,500 | 5,617 |
| Average equity | $5,557,500 | 5,502 |
| Average total loans | $21,640,500 | 5,626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1382% | 5,594 |
| Cost of funding earning assets | 0.2840% | 4,427 |
| Net interest margin | 2.8542% | 5,414 |
| Noninterest income to average assets | 0.1501% | 5,664 |
| Noninterest expense to average assets | 2.0740% | 5,301 |
| Loan and lease loss provision to assets | 0.0341% | 3,672 |
| Net operating income to assets | 0.5162% | 4,634 |
| Return on assets (ROA) | 0.5162% | 4,717 |
| Pretax return on assets | 0.7846% | 4,244 |
| Return on Equity (ROE) | 4.1998% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1998% | 2,999 |
| Net charge-offs to loans | -0.0502% | 5,554 |
| Credit loss provision to net charge-offs | -136.3636% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6981% | 2,951 |
| Assets per employee ($millions) | 4.3113% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,799 |
| Loan loss allowance to noncurrent loans | 108.2474% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,813 |
| Noncurrent loans to loans | 0.8896% | 2,576 |
| Net loans and leases to total assets | 50.0963% | 4,859 |
| Net loans and leases to deposits | 57.5624% | 4,941 |
| Net loans and leases to core deposits | 62.5848% | 4,838 |
| Total domestic deposits to total assets | 87.0294% | 2,114 |
| Equity capital to assets | 12.8152% | 1,453 |
| Core capital (leverage) ratio | 12.4510% | 1,367 |
| Tier 1 risk-based capital ratio | 22.0418% | 1,139 |
| Total risk-based capital ratio | 22.8796% | 1,179 |
| Memoranda: | ||
| Average total assets | $43,974,000 | 5,685 |
| Average earning assets | $42,253,600 | 5,629 |
| Average equity | $5,405,000 | 5,560 |
| Average total loans | $21,901,000 | 5,649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 5,658 |
| Cost of funding earning assets | 0.2887% | 4,464 |
| Net interest margin | 2.8492% | 5,497 |
| Noninterest income to average assets | 0.1509% | 5,734 |
| Noninterest expense to average assets | 2.0819% | 5,316 |
| Loan and lease loss provision to assets | 0.0453% | 3,304 |
| Net operating income to assets | 0.5039% | 4,773 |
| Return on assets (ROA) | 0.5039% | 4,862 |
| Pretax return on assets | 0.7634% | 4,452 |
| Return on Equity (ROE) | 4.1425% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.1425% | 3,520 |
| Net charge-offs to loans | -0.0182% | 5,176 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0251% | 2,877 |
| Assets per employee ($millions) | 4.3795% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,156 |
| Loan loss allowance to noncurrent loans | 172.6496% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,696 |
| Noncurrent loans to loans | 0.5288% | 3,758 |
| Net loans and leases to total assets | 50.0605% | 4,925 |
| Net loans and leases to deposits | 57.3416% | 5,049 |
| Net loans and leases to core deposits | 62.2735% | 4,921 |
| Total domestic deposits to total assets | 87.3022% | 1,891 |
| Equity capital to assets | 12.4786% | 1,755 |
| Core capital (leverage) ratio | 12.1466% | 1,594 |
| Tier 1 risk-based capital ratio | 21.7738% | 1,228 |
| Total risk-based capital ratio | 22.5786% | 1,272 |
| Memoranda: | ||
| Average total assets | $44,189,250 | 5,752 |
| Average earning assets | $42,490,750 | 5,695 |
| Average equity | $5,375,000 | 5,634 |
| Average total loans | $21,924,250 | 5,720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0459% | 5,804 |
| Cost of funding earning assets | 0.2820% | 4,587 |
| Net interest margin | 2.7639% | 5,683 |
| Noninterest income to average assets | 0.1444% | 5,844 |
| Noninterest expense to average assets | 2.0893% | 5,359 |
| Loan and lease loss provision to assets | 0.0677% | 2,768 |
| Net operating income to assets | 0.4287% | 5,041 |
| Return on assets (ROA) | 0.4287% | 5,145 |
| Pretax return on assets | 0.6408% | 4,859 |
| Return on Equity (ROE) | 3.5547% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.5547% | 3,764 |
| Net charge-offs to loans | 0.1098% | 1,898 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 13.0833% | 2,164 |
| Efficiency ratio | 74.6774% | 2,578 |
| Assets per employee ($millions) | 4.6411% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 5,478 |
| Loan loss allowance to noncurrent loans | 109.3567% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 4,421 |
| Noncurrent loans to loans | 0.7746% | 3,175 |
| Net loans and leases to total assets | 47.1634% | 5,170 |
| Net loans and leases to deposits | 53.4739% | 5,287 |
| Net loans and leases to core deposits | 58.1273% | 5,185 |
| Total domestic deposits to total assets | 88.1989% | 1,550 |
| Equity capital to assets | 11.6201% | 2,317 |
| Core capital (leverage) ratio | 12.2036% | 1,537 |
| Tier 1 risk-based capital ratio | 21.7328% | 1,241 |
| Total risk-based capital ratio | 22.4864% | 1,295 |
| Memoranda: | ||
| Average total assets | $44,320,670 | 5,812 |
| Average earning assets | $42,548,670 | 5,754 |
| Average equity | $5,345,000 | 5,691 |
| Average total loans | $21,857,000 | 5,777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 5,791 |
| Cost of funding earning assets | 0.2802% | 4,669 |
| Net interest margin | 2.8113% | 5,617 |
| Noninterest income to average assets | 0.1479% | 5,852 |
| Noninterest expense to average assets | 2.1352% | 5,312 |
| Loan and lease loss provision to assets | 0.0739% | 2,464 |
| Net operating income to assets | 0.4252% | 4,974 |
| Return on assets (ROA) | 0.4252% | 5,097 |
| Pretax return on assets | 0.6285% | 4,839 |
| Return on Equity (ROE) | 3.4580% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.4580% | 3,919 |
| Net charge-offs to loans | 0.1104% | 1,636 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,780 |
| Efficiency ratio | 75.2443% | 2,622 |
| Assets per employee ($millions) | 4.2989% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 5,548 |
| Loan loss allowance to noncurrent loans | 101.6393% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 4,330 |
| Noncurrent loans to loans | 0.8423% | 3,139 |
| Net loans and leases to total assets | 50.1035% | 4,839 |
| Net loans and leases to deposits | 57.3273% | 4,962 |
| Net loans and leases to core deposits | 61.4470% | 4,876 |
| Total domestic deposits to total assets | 87.3991% | 2,166 |
| Equity capital to assets | 12.4311% | 1,734 |
| Core capital (leverage) ratio | 12.6912% | 1,277 |
| Tier 1 risk-based capital ratio | 22.5924% | 1,158 |
| Total risk-based capital ratio | 23.3787% | 1,205 |
| Memoranda: | ||
| Average total assets | $43,275,500 | 5,887 |
| Average earning assets | $41,404,500 | 5,830 |
| Average equity | $5,321,000 | 5,754 |
| Average total loans | $21,747,500 | 5,830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0817% | 5,979 |
| Cost of funding earning assets | 0.3369% | 4,404 |
| Net interest margin | 2.7448% | 5,878 |
| Noninterest income to average assets | 0.1520% | 5,935 |
| Noninterest expense to average assets | 1.9553% | 5,850 |
| Loan and lease loss provision to assets | 0.1202% | 2,171 |
| Net operating income to assets | 0.4673% | 4,933 |
| Return on assets (ROA) | 0.4673% | 5,036 |
| Pretax return on assets | 0.7009% | 4,627 |
| Return on Equity (ROE) | 3.9655% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.9655% | 3,393 |
| Net charge-offs to loans | 0.4730% | 882 |
| Credit loss provision to net charge-offs | 50.9615% | 3,460 |
| Earnings coverage of net charge-offs (x) | 3.4808% | 3,881 |
| Efficiency ratio | 70.4248% | 3,468 |
| Assets per employee ($millions) | 4.3562% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 5,647 |
| Loan loss allowance to noncurrent loans | 49.8645% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,091 |
| Noncurrent loans to loans | 1.6950% | 1,726 |
| Net loans and leases to total assets | 49.5524% | 5,013 |
| Net loans and leases to deposits | 56.5182% | 5,151 |
| Net loans and leases to core deposits | 60.4989% | 5,101 |
| Total domestic deposits to total assets | 87.6750% | 1,939 |
| Equity capital to assets | 12.1620% | 1,892 |
| Core capital (leverage) ratio | 11.8529% | 1,733 |
| Tier 1 risk-based capital ratio | 22.3262% | 1,177 |
| Total risk-based capital ratio | 23.1016% | 1,222 |
| Memoranda: | ||
| Average total assets | $44,085,400 | 5,926 |
| Average earning assets | $42,151,800 | 5,866 |
| Average equity | $5,194,800 | 5,811 |
| Average total loans | $21,986,400 | 5,884 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 6,078 |
| Cost of funding earning assets | 0.3462% | 4,378 |
| Net interest margin | 2.7130% | 5,991 |
| Noninterest income to average assets | 0.1719% | 5,896 |
| Noninterest expense to average assets | 1.9479% | 5,863 |
| Loan and lease loss provision to assets | 0.1146% | 2,141 |
| Net operating income to assets | 0.4945% | 4,892 |
| Return on assets (ROA) | 0.4945% | 4,961 |
| Pretax return on assets | 0.7086% | 4,680 |
| Return on Equity (ROE) | 4.2302% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.2302% | 3,643 |
| Net charge-offs to loans | 0.5686% | 661 |
| Credit loss provision to net charge-offs | 40.4255% | 3,283 |
| Earnings coverage of net charge-offs (x) | 2.9043% | 3,795 |
| Efficiency ratio | 70.2938% | 3,460 |
| Assets per employee ($millions) | 4.4541% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 5,868 |
| Loan loss allowance to noncurrent loans | 50.4225% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 3,427 |
| Noncurrent loans to loans | 1.5889% | 2,042 |
| Net loans and leases to total assets | 49.7586% | 5,037 |
| Net loans and leases to deposits | 56.5311% | 5,204 |
| Net loans and leases to core deposits | 60.4308% | 5,161 |
| Total domestic deposits to total assets | 88.0200% | 1,758 |
| Equity capital to assets | 11.7981% | 2,219 |
| Core capital (leverage) ratio | 11.9048% | 1,758 |
| Tier 1 risk-based capital ratio | 21.5263% | 1,343 |
| Total risk-based capital ratio | 22.2595% | 1,428 |
| Memoranda: | ||
| Average total assets | $44,216,250 | 5,994 |
| Average earning assets | $42,362,750 | 5,935 |
| Average equity | $5,169,000 | 5,881 |
| Average total loans | $22,040,500 | 5,948 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 6,143 |
| Cost of funding earning assets | 0.3603% | 4,319 |
| Net interest margin | 2.6735% | 6,077 |
| Noninterest income to average assets | 0.1678% | 5,949 |
| Noninterest expense to average assets | 1.9362% | 5,935 |
| Loan and lease loss provision to assets | 0.0907% | 2,513 |
| Net operating income to assets | 0.4625% | 4,964 |
| Return on assets (ROA) | 0.4625% | 5,034 |
| Pretax return on assets | 0.6983% | 4,645 |
| Return on Equity (ROE) | 3.9686% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.9686% | 3,657 |
| Net charge-offs to loans | 0.8569% | 436 |
| Credit loss provision to net charge-offs | 21.2766% | 3,188 |
| Earnings coverage of net charge-offs (x) | 1.8511% | 3,699 |
| Efficiency ratio | 71.0483% | 3,493 |
| Assets per employee ($millions) | 4.5087% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 6,131 |
| Loan loss allowance to noncurrent loans | 43.2796% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,500 |
| Noncurrent loans to loans | 1.6785% | 2,067 |
| Net loans and leases to total assets | 48.7968% | 5,104 |
| Net loans and leases to deposits | 55.2567% | 5,258 |
| Net loans and leases to core deposits | 58.2407% | 5,257 |
| Total domestic deposits to total assets | 88.3093% | 1,730 |
| Equity capital to assets | 11.5200% | 2,409 |
| Core capital (leverage) ratio | 11.5571% | 1,958 |
| Tier 1 risk-based capital ratio | 21.3806% | 1,369 |
| Total risk-based capital ratio | 22.0434% | 1,469 |
| Memoranda: | ||
| Average total assets | $44,108,000 | 6,056 |
| Average earning assets | $42,191,670 | 5,991 |
| Average equity | $5,140,330 | 5,926 |
| Average total loans | $21,940,000 | 5,994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9958% | 6,245 |
| Cost of funding earning assets | 0.3745% | 4,259 |
| Net interest margin | 2.6213% | 6,204 |
| Noninterest income to average assets | 0.1926% | 5,806 |
| Noninterest expense to average assets | 2.0267% | 5,834 |
| Loan and lease loss provision to assets | 0.0734% | 2,674 |
| Net operating income to assets | 0.4035% | 5,100 |
| Return on assets (ROA) | 0.4035% | 5,165 |
| Pretax return on assets | 0.5961% | 4,846 |
| Return on Equity (ROE) | 3.4419% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.4419% | 4,072 |
| Net charge-offs to loans | 0.6963% | 522 |
| Credit loss provision to net charge-offs | 21.0526% | 2,490 |
| Earnings coverage of net charge-offs (x) | 1.9211% | 2,988 |
| Efficiency ratio | 75.1701% | 2,933 |
| Assets per employee ($millions) | 4.4619% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 5,778 |
| Loan loss allowance to noncurrent loans | 68.3333% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 4,101 |
| Noncurrent loans to loans | 1.3582% | 2,767 |
| Net loans and leases to total assets | 49.0441% | 4,996 |
| Net loans and leases to deposits | 55.5251% | 5,152 |
| Net loans and leases to core deposits | 57.7784% | 5,218 |
| Total domestic deposits to total assets | 88.3278% | 2,041 |
| Equity capital to assets | 11.5086% | 2,240 |
| Core capital (leverage) ratio | 12.3417% | 1,459 |
| Tier 1 risk-based capital ratio | 21.2497% | 1,425 |
| Total risk-based capital ratio | 22.0981% | 1,477 |
| Memoranda: | ||
| Average total assets | $43,618,500 | 6,126 |
| Average earning assets | $41,659,000 | 6,064 |
| Average equity | $5,113,500 | 5,968 |
| Average total loans | $21,829,000 | 6,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2365% | 6,092 |
| Cost of funding earning assets | 0.5321% | 3,269 |
| Net interest margin | 2.7045% | 6,134 |
| Noninterest income to average assets | 0.1512% | 6,184 |
| Noninterest expense to average assets | 2.2661% | 5,469 |
| Loan and lease loss provision to assets | 0.0827% | 3,463 |
| Net operating income to assets | 0.2883% | 5,562 |
| Return on assets (ROA) | 0.2883% | 5,656 |
| Pretax return on assets | 0.4088% | 5,480 |
| Return on Equity (ROE) | 2.4236% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2250% | 4,664 |
| Net charge-offs to loans | 0.4323% | 1,535 |
| Credit loss provision to net charge-offs | 36.8421% | 4,103 |
| Earnings coverage of net charge-offs (x) | 2.1895% | 4,299 |
| Efficiency ratio | 82.1765% | 1,859 |
| Assets per employee ($millions) | 4.2618% | 3,335 |
| Cash dividends to net income (ytd only)* | 8.1967% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,205 |
| Loan loss allowance to noncurrent loans | 153.5948% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 4,600 |
| Noncurrent loans to loans | 0.7093% | 4,194 |
| Net loans and leases to total assets | 50.0610% | 5,077 |
| Net loans and leases to deposits | 56.9465% | 5,213 |
| Net loans and leases to core deposits | 59.8659% | 5,233 |
| Total domestic deposits to total assets | 87.9089% | 2,229 |
| Equity capital to assets | 11.9480% | 1,839 |
| Core capital (leverage) ratio | 11.5651% | 1,913 |
| Tier 1 risk-based capital ratio | 21.6478% | 1,308 |
| Total risk-based capital ratio | 22.6469% | 1,338 |
| Memoranda: | ||
| Average total assets | $42,319,600 | 6,217 |
| Average earning assets | $40,784,400 | 6,148 |
| Average equity | $5,033,800 | 6,056 |
| Average total loans | $21,973,800 | 6,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 6,114 |
| Cost of funding earning assets | 0.5304% | 3,460 |
| Net interest margin | 2.7340% | 6,113 |
| Noninterest income to average assets | 0.1546% | 6,261 |
| Noninterest expense to average assets | 2.3071% | 5,321 |
| Loan and lease loss provision to assets | 0.0947% | 3,181 |
| Net operating income to assets | 0.2714% | 5,706 |
| Return on assets (ROA) | 0.2714% | 5,811 |
| Pretax return on assets | 0.3882% | 5,656 |
| Return on Equity (ROE) | 2.2844% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.0188% | 5,121 |
| Net charge-offs to loans | 0.5375% | 1,184 |
| Credit loss provision to net charge-offs | 33.7079% | 3,826 |
| Earnings coverage of net charge-offs (x) | 1.7191% | 4,265 |
| Efficiency ratio | 82.6923% | 1,737 |
| Assets per employee ($millions) | 4.3988% | 3,053 |
| Cash dividends to net income (ytd only)* | 11.6257% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 5,903 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.0517% | 5,342 |
| Net loans and leases to deposits | 54.3633% | 5,501 |
| Net loans and leases to core deposits | 57.0730% | 5,522 |
| Total domestic deposits to total assets | 88.3900% | 1,900 |
| Equity capital to assets | 11.4918% | 2,311 |
| Core capital (leverage) ratio | 11.3946% | 2,126 |
| Tier 1 risk-based capital ratio | 21.3914% | 1,423 |
| Total risk-based capital ratio | 22.3901% | 1,438 |
| Memoranda: | ||
| Average total assets | $42,245,000 | 6,290 |
| Average earning assets | $40,720,500 | 6,218 |
| Average equity | $5,019,250 | 6,131 |
| Average total loans | $22,074,750 | 6,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 6,070 |
| Cost of funding earning assets | 0.5310% | 3,593 |
| Net interest margin | 2.7790% | 6,047 |
| Noninterest income to average assets | 0.1632% | 6,238 |
| Noninterest expense to average assets | 2.3570% | 5,184 |
| Loan and lease loss provision to assets | 0.1104% | 2,961 |
| Net operating income to assets | 0.2736% | 5,698 |
| Return on assets (ROA) | 0.2736% | 5,833 |
| Pretax return on assets | 0.3840% | 5,673 |
| Return on Equity (ROE) | 2.2767% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.2767% | 4,831 |
| Net charge-offs to loans | 0.4303% | 1,504 |
| Credit loss provision to net charge-offs | 47.9167% | 3,258 |
| Earnings coverage of net charge-offs (x) | 2.1458% | 3,810 |
| Efficiency ratio | 82.6599% | 1,803 |
| Assets per employee ($millions) | 4.4730% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 4,921 |
| Loan loss allowance to noncurrent loans | 216.9355% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 5,133 |
| Noncurrent loans to loans | 0.5588% | 4,862 |
| Net loans and leases to total assets | 49.0074% | 5,222 |
| Net loans and leases to deposits | 55.3086% | 5,406 |
| Net loans and leases to core deposits | 58.0043% | 5,421 |
| Total domestic deposits to total assets | 88.6072% | 1,843 |
| Equity capital to assets | 11.2587% | 2,514 |
| Core capital (leverage) ratio | 11.6769% | 1,817 |
| Tier 1 risk-based capital ratio | 20.5224% | 1,606 |
| Total risk-based capital ratio | 21.6186% | 1,614 |
| Memoranda: | ||
| Average total assets | $41,664,000 | 6,357 |
| Average earning assets | $40,302,330 | 6,273 |
| Average equity | $5,007,330 | 6,181 |
| Average total loans | $22,308,670 | 6,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 5,932 |
| Cost of funding earning assets | 0.5246% | 3,843 |
| Net interest margin | 2.8800% | 5,858 |
| Noninterest income to average assets | 0.1894% | 6,114 |
| Noninterest expense to average assets | 2.4320% | 5,011 |
| Loan and lease loss provision to assets | 0.0997% | 3,015 |
| Net operating income to assets | 0.2691% | 5,666 |
| Return on assets (ROA) | 0.2691% | 5,786 |
| Pretax return on assets | 0.4485% | 5,418 |
| Return on Equity (ROE) | 2.1630% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.1630% | 4,918 |
| Net charge-offs to loans | 0.5186% | 1,157 |
| Credit loss provision to net charge-offs | 34.4828% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.8966% | 3,202 |
| Efficiency ratio | 81.6054% | 2,099 |
| Assets per employee ($millions) | 4.0447% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 5,020 |
| Loan loss allowance to noncurrent loans | 125.4545% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 4,415 |
| Noncurrent loans to loans | 0.9850% | 4,161 |
| Net loans and leases to total assets | 54.5405% | 4,324 |
| Net loans and leases to deposits | 62.3410% | 4,497 |
| Net loans and leases to core deposits | 65.7585% | 4,560 |
| Total domestic deposits to total assets | 87.4873% | 2,636 |
| Equity capital to assets | 12.3792% | 1,787 |
| Core capital (leverage) ratio | 12.4991% | 1,338 |
| Tier 1 risk-based capital ratio | 21.1409% | 1,506 |
| Total risk-based capital ratio | 22.3062% | 1,495 |
| Memoranda: | ||
| Average total assets | $40,131,000 | 6,455 |
| Average earning assets | $38,888,500 | 6,371 |
| Average equity | $4,993,000 | 6,248 |
| Average total loans | $22,368,000 | 6,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 6,285 |
| Cost of funding earning assets | 0.5977% | 4,379 |
| Net interest margin | 2.9614% | 6,121 |
| Noninterest income to average assets | 0.1779% | 6,127 |
| Noninterest expense to average assets | 2.4298% | 5,321 |
| Loan and lease loss provision to assets | 0.1360% | 3,923 |
| Net operating income to assets | 0.3112% | 5,424 |
| Return on assets (ROA) | 0.3112% | 5,631 |
| Pretax return on assets | 0.4499% | 5,424 |
| Return on Equity (ROE) | 2.4183% | 5,788 |
| Retained earnings to average equity (ytd only) | 2.2151% | 4,681 |
| Net charge-offs to loans | 0.1474% | 4,217 |
| Credit loss provision to net charge-offs | 162.5000% | 1,654 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,695 |
| Efficiency ratio | 80.5724% | 2,074 |
| Assets per employee ($millions) | 3.9815% | 3,990 |
| Cash dividends to net income (ytd only)* | 8.4034% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,541 |
| Loan loss allowance to noncurrent loans | 102.0761% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 3,629 |
| Noncurrent loans to loans | 1.2902% | 3,680 |
| Net loans and leases to total assets | 55.5193% | 4,376 |
| Net loans and leases to deposits | 63.5292% | 4,593 |
| Net loans and leases to core deposits | 65.6032% | 4,780 |
| Total domestic deposits to total assets | 87.3917% | 2,580 |
| Equity capital to assets | 12.5053% | 1,710 |
| Core capital (leverage) ratio | 12.4118% | 1,357 |
| Tier 1 risk-based capital ratio | 21.0733% | 1,441 |
| Total risk-based capital ratio | 22.3219% | 1,419 |
| Memoranda: | ||
| Average total assets | $38,233,200 | 6,550 |
| Average earning assets | $36,637,600 | 6,483 |
| Average equity | $4,920,800 | 6,317 |
| Average total loans | $21,709,400 | 6,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 6,404 |
| Cost of funding earning assets | 0.6127% | 4,514 |
| Net interest margin | 2.9785% | 6,208 |
| Noninterest income to average assets | 0.1867% | 6,179 |
| Noninterest expense to average assets | 2.4737% | 5,169 |
| Loan and lease loss provision to assets | 0.1128% | 4,155 |
| Net operating income to assets | 0.3136% | 5,566 |
| Return on assets (ROA) | 0.3136% | 5,768 |
| Pretax return on assets | 0.4440% | 5,612 |
| Return on Equity (ROE) | 2.4185% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.1469% | 5,254 |
| Net charge-offs to loans | 0.2043% | 3,510 |
| Credit loss provision to net charge-offs | 96.9697% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.7877% | 3,204 |
| Efficiency ratio | 81.6279% | 1,848 |
| Assets per employee ($millions) | 3.8182% | 4,257 |
| Cash dividends to net income (ytd only)* | 11.2338% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,204 |
| Loan loss allowance to noncurrent loans | 37.9501% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.1476% | 2,495 |
| Noncurrent loans to loans | 3.2093% | 1,718 |
| Net loans and leases to total assets | 58.2028% | 4,101 |
| Net loans and leases to deposits | 66.9448% | 4,346 |
| Net loans and leases to core deposits | 69.2392% | 4,585 |
| Total domestic deposits to total assets | 86.9415% | 2,705 |
| Equity capital to assets | 12.9642% | 1,606 |
| Core capital (leverage) ratio | 13.0030% | 1,194 |
| Tier 1 risk-based capital ratio | 21.2392% | 1,470 |
| Total risk-based capital ratio | 22.4148% | 1,456 |
| Memoranda: | ||
| Average total assets | $37,837,750 | 6,642 |
| Average earning assets | $36,124,000 | 6,578 |
| Average equity | $4,906,250 | 6,388 |
| Average total loans | $21,536,750 | 6,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 6,558 |
| Cost of funding earning assets | 0.6449% | 4,488 |
| Net interest margin | 2.8964% | 6,434 |
| Noninterest income to average assets | 0.1803% | 6,275 |
| Noninterest expense to average assets | 2.4388% | 5,329 |
| Loan and lease loss provision to assets | 0.0795% | 4,612 |
| Net operating income to assets | 0.3022% | 5,613 |
| Return on assets (ROA) | 0.3022% | 5,814 |
| Pretax return on assets | 0.4241% | 5,649 |
| Return on Equity (ROE) | 2.3305% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.9216% | 5,239 |
| Net charge-offs to loans | 0.2922% | 2,858 |
| Credit loss provision to net charge-offs | 48.3871% | 4,072 |
| Earnings coverage of net charge-offs (x) | 3.0645% | 3,522 |
| Efficiency ratio | 82.8829% | 1,766 |
| Assets per employee ($millions) | 3.8179% | 4,268 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,355 |
| Loan loss allowance to noncurrent loans | 98.1061% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 4,469 |
| Noncurrent loans to loans | 1.2218% | 4,102 |
| Net loans and leases to total assets | 55.9156% | 4,482 |
| Net loans and leases to deposits | 64.2374% | 4,732 |
| Net loans and leases to core deposits | 66.4364% | 4,948 |
| Total domestic deposits to total assets | 87.0452% | 2,740 |
| Equity capital to assets | 12.8814% | 1,576 |
| Core capital (leverage) ratio | 12.7664% | 1,233 |
| Tier 1 risk-based capital ratio | 21.6967% | 1,350 |
| Total risk-based capital ratio | 22.8394% | 1,349 |
| Memoranda: | ||
| Average total assets | $37,723,000 | 6,686 |
| Average earning assets | $35,976,000 | 6,624 |
| Average equity | $4,891,670 | 6,418 |
| Average total loans | $21,216,670 | 6,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 6,713 |
| Cost of funding earning assets | 0.6600% | 4,636 |
| Net interest margin | 2.8301% | 6,587 |
| Noninterest income to average assets | 0.1920% | 6,231 |
| Noninterest expense to average assets | 2.5070% | 5,125 |
| Loan and lease loss provision to assets | 0.1173% | 3,879 |
| Net operating income to assets | 0.1600% | 6,096 |
| Return on assets (ROA) | 0.1600% | 6,225 |
| Pretax return on assets | 0.2667% | 6,044 |
| Return on Equity (ROE) | 1.2299% | 6,301 |
| Retained earnings to average equity (ytd only) | 1.2299% | 5,600 |
| Net charge-offs to loans | 0.8753% | 1,171 |
| Credit loss provision to net charge-offs | 23.9130% | 3,720 |
| Earnings coverage of net charge-offs (x) | 0.7826% | 3,941 |
| Efficiency ratio | 86.7159% | 1,410 |
| Assets per employee ($millions) | 3.8462% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,724 |
| Loan loss allowance to noncurrent loans | 46.6926% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 3,471 |
| Noncurrent loans to loans | 2.4547% | 2,658 |
| Net loans and leases to total assets | 53.8168% | 4,755 |
| Net loans and leases to deposits | 61.6776% | 4,964 |
| Net loans and leases to core deposits | 63.7677% | 5,138 |
| Total domestic deposits to total assets | 87.2550% | 2,800 |
| Equity capital to assets | 12.7034% | 1,594 |
| Core capital (leverage) ratio | 13.1076% | 1,083 |
| Tier 1 risk-based capital ratio | 22.3187% | 1,239 |
| Total risk-based capital ratio | 23.4149% | 1,233 |
| Memoranda: | ||
| Average total assets | $37,495,000 | 6,753 |
| Average earning assets | $35,758,000 | 6,679 |
| Average equity | $4,878,500 | 6,459 |
| Average total loans | $21,021,500 | 6,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 6,851 |
| Cost of funding earning assets | 0.8249% | 4,674 |
| Net interest margin | 2.8742% | 6,728 |
| Noninterest income to average assets | 0.2772% | 5,549 |
| Noninterest expense to average assets | 2.4789% | 5,539 |
| Loan and lease loss provision to assets | 0.1441% | 4,810 |
| Net operating income to assets | 0.2827% | 5,315 |
| Return on assets (ROA) | 0.2827% | 5,473 |
| Pretax return on assets | 0.3914% | 5,321 |
| Return on Equity (ROE) | 2.1529% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.7388% | 4,979 |
| Net charge-offs to loans | 0.0190% | 6,176 |
| Credit loss provision to net charge-offs | 1,325.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 571 |
| Efficiency ratio | 82.2362% | 1,984 |
| Assets per employee ($millions) | 3.6528% | 4,654 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,888 |
| Loan loss allowance to noncurrent loans | 41.4157% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.0861% | 2,859 |
| Noncurrent loans to loans | 3.1463% | 2,056 |
| Net loans and leases to total assets | 57.0220% | 4,539 |
| Net loans and leases to deposits | 65.8687% | 4,751 |
| Net loans and leases to core deposits | 68.2426% | 4,997 |
| Total domestic deposits to total assets | 86.5692% | 2,998 |
| Equity capital to assets | 13.3350% | 1,344 |
| Core capital (leverage) ratio | 12.9675% | 1,153 |
| Tier 1 risk-based capital ratio | 22.5488% | 1,156 |
| Total risk-based capital ratio | 23.7987% | 1,134 |
| Memoranda: | ||
| Average total assets | $36,790,400 | 6,772 |
| Average earning assets | $35,036,000 | 6,710 |
| Average equity | $4,830,800 | 6,500 |
| Average total loans | $21,104,800 | 6,602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 6,963 |
| Cost of funding earning assets | 0.8434% | 4,819 |
| Net interest margin | 2.8227% | 6,860 |
| Noninterest income to average assets | 0.3075% | 5,396 |
| Noninterest expense to average assets | 2.4961% | 5,477 |
| Loan and lease loss provision to assets | 0.1664% | 4,395 |
| Net operating income to assets | 0.2098% | 5,676 |
| Return on assets (ROA) | 0.2098% | 5,804 |
| Pretax return on assets | 0.3328% | 5,637 |
| Return on Equity (ROE) | 1.6041% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.3276% | 5,475 |
| Net charge-offs to loans | 0.0316% | 5,706 |
| Credit loss provision to net charge-offs | 920.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 27.5862% | 986 |
| Efficiency ratio | 83.3333% | 1,816 |
| Assets per employee ($millions) | 3.7407% | 4,432 |
| Cash dividends to net income (ytd only)* | 17.2378% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 5,137 |
| Loan loss allowance to noncurrent loans | 77.6163% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 4,425 |
| Noncurrent loans to loans | 1.6397% | 3,834 |
| Net loans and leases to total assets | 55.3693% | 4,945 |
| Net loans and leases to deposits | 63.6509% | 5,215 |
| Net loans and leases to core deposits | 65.8779% | 5,428 |
| Total domestic deposits to total assets | 86.9891% | 2,666 |
| Equity capital to assets | 12.9254% | 1,651 |
| Core capital (leverage) ratio | 12.8052% | 1,297 |
| Tier 1 risk-based capital ratio | 22.5250% | 1,214 |
| Total risk-based capital ratio | 23.7689% | 1,190 |
| Memoranda: | ||
| Average total assets | $36,856,000 | 6,829 |
| Average earning assets | $35,095,000 | 6,770 |
| Average equity | $4,820,750 | 6,553 |
| Average total loans | $21,105,000 | 6,672 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 6,922 |
| Cost of funding earning assets | 0.8552% | 5,024 |
| Net interest margin | 2.9386% | 6,718 |
| Noninterest income to average assets | 0.2890% | 5,565 |
| Noninterest expense to average assets | 2.3942% | 5,864 |
| Loan and lease loss provision to assets | 0.1854% | 4,063 |
| Net operating income to assets | 0.3599% | 5,131 |
| Return on assets (ROA) | 0.3599% | 5,269 |
| Pretax return on assets | 0.5017% | 5,068 |
| Return on Equity (ROE) | 2.7409% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.3256% | 4,807 |
| Net charge-offs to loans | 0.0095% | 5,719 |
| Credit loss provision to net charge-offs | 3,400.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 280 |
| Efficiency ratio | 77.6991% | 2,760 |
| Assets per employee ($millions) | 3.6860% | 4,488 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,450 |
| Loan loss allowance to noncurrent loans | 53.1828% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 4,264 |
| Noncurrent loans to loans | 2.2994% | 3,102 |
| Net loans and leases to total assets | 56.7553% | 4,860 |
| Net loans and leases to deposits | 65.3934% | 5,090 |
| Net loans and leases to core deposits | 67.7220% | 5,319 |
| Total domestic deposits to total assets | 86.7906% | 2,861 |
| Equity capital to assets | 13.1389% | 1,453 |
| Core capital (leverage) ratio | 12.8858% | 1,204 |
| Tier 1 risk-based capital ratio | 22.5036% | 1,191 |
| Total risk-based capital ratio | 23.7071% | 1,168 |
| Memoranda: | ||
| Average total assets | $36,672,330 | 6,894 |
| Average earning assets | $34,846,330 | 6,839 |
| Average equity | $4,816,000 | 6,593 |
| Average total loans | $21,147,000 | 6,739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 7,046 |
| Cost of funding earning assets | 0.8785% | 5,075 |
| Net interest margin | 2.8435% | 6,844 |
| Noninterest income to average assets | 0.3499% | 5,105 |
| Noninterest expense to average assets | 2.3948% | 5,893 |
| Loan and lease loss provision to assets | 0.1640% | 3,991 |
| Net operating income to assets | 0.3609% | 5,120 |
| Return on assets (ROA) | 0.3609% | 5,202 |
| Pretax return on assets | 0.4812% | 5,086 |
| Return on Equity (ROE) | 2.7486% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.7486% | 4,520 |
| Net charge-offs to loans | 0.0189% | 4,815 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 504 |
| Efficiency ratio | 78.7770% | 2,723 |
| Assets per employee ($millions) | 3.7543% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,902 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 4,483 |
| Noncurrent loans to loans | 2.1976% | 3,322 |
| Net loans and leases to total assets | 55.6002% | 5,059 |
| Net loans and leases to deposits | 63.8192% | 5,274 |
| Net loans and leases to core deposits | 66.0402% | 5,504 |
| Total domestic deposits to total assets | 87.1214% | 2,881 |
| Equity capital to assets | 12.8359% | 1,459 |
| Core capital (leverage) ratio | 13.4328% | 987 |
| Tier 1 risk-based capital ratio | 22.3640% | 1,166 |
| Total risk-based capital ratio | 23.4778% | 1,163 |
| Memoranda: | ||
| Average total assets | $36,578,500 | 6,945 |
| Average earning assets | $34,605,000 | 6,896 |
| Average equity | $4,802,500 | 6,618 |
| Average total loans | $21,131,000 | 6,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 7,118 |
| Cost of funding earning assets | 1.0455% | 5,454 |
| Net interest margin | 2.9741% | 6,785 |
| Noninterest income to average assets | 0.2240% | 6,203 |
| Noninterest expense to average assets | 2.6909% | 5,031 |
| Loan and lease loss provision to assets | 0.1164% | 5,992 |
| Net operating income to assets | 0.1920% | 5,291 |
| Return on assets (ROA) | 0.1920% | 5,464 |
| Pretax return on assets | 0.2385% | 5,382 |
| Return on Equity (ROE) | 1.3837% | 5,591 |
| Retained earnings to average equity (ytd only) | 0.9644% | 5,070 |
| Net charge-offs to loans | 0.2136% | 5,007 |
| Credit loss provision to net charge-offs | 88.8889% | 5,173 |
| Earnings coverage of net charge-offs (x) | 2.7111% | 3,732 |
| Efficiency ratio | 88.3477% | 1,450 |
| Assets per employee ($millions) | 3.5614% | 4,797 |
| Cash dividends to net income (ytd only)* | 30.3030% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,078 |
| Loan loss allowance to noncurrent loans | 65.1297% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 5,060 |
| Noncurrent loans to loans | 1.6408% | 4,041 |
| Net loans and leases to total assets | 58.7466% | 4,910 |
| Net loans and leases to deposits | 67.9198% | 5,112 |
| Net loans and leases to core deposits | 70.4350% | 5,411 |
| Total domestic deposits to total assets | 86.4941% | 3,083 |
| Equity capital to assets | 13.4385% | 1,198 |
| Core capital (leverage) ratio | 13.2620% | 1,046 |
| Tier 1 risk-based capital ratio | 22.2129% | 1,144 |
| Total risk-based capital ratio | 23.2619% | 1,142 |
| Memoranda: | ||
| Average total assets | $34,374,600 | 7,059 |
| Average earning assets | $32,615,200 | 6,996 |
| Average equity | $4,769,800 | 6,740 |
| Average total loans | $21,069,600 | 6,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 7,234 |
| Cost of funding earning assets | 1.0481% | 5,704 |
| Net interest margin | 3.0165% | 6,797 |
| Noninterest income to average assets | 0.2231% | 6,308 |
| Noninterest expense to average assets | 2.7242% | 4,779 |
| Loan and lease loss provision to assets | 0.1057% | 5,980 |
| Net operating income to assets | 0.2074% | 5,488 |
| Return on assets (ROA) | 0.2074% | 5,651 |
| Pretax return on assets | 0.2544% | 5,602 |
| Return on Equity (ROE) | 1.4827% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.2030% | 5,332 |
| Net charge-offs to loans | 0.0317% | 6,242 |
| Credit loss provision to net charge-offs | 540.0000% | 533 |
| Earnings coverage of net charge-offs (x) | 18.3898% | 1,262 |
| Efficiency ratio | 88.3249% | 1,428 |
| Assets per employee ($millions) | 3.5539% | 4,841 |
| Cash dividends to net income (ytd only)* | 18.8650% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,441 |
| Loan loss allowance to noncurrent loans | 72.9107% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 5,131 |
| Noncurrent loans to loans | 1.6602% | 4,155 |
| Net loans and leases to total assets | 58.0996% | 5,248 |
| Net loans and leases to deposits | 67.2004% | 5,522 |
| Net loans and leases to core deposits | 69.6955% | 5,778 |
| Total domestic deposits to total assets | 86.4571% | 2,820 |
| Equity capital to assets | 13.4613% | 1,367 |
| Core capital (leverage) ratio | 13.6176% | 1,022 |
| Tier 1 risk-based capital ratio | 22.4096% | 1,149 |
| Total risk-based capital ratio | 23.5947% | 1,128 |
| Memoranda: | ||
| Average total assets | $34,064,750 | 7,158 |
| Average earning assets | $32,310,500 | 7,086 |
| Average equity | $4,765,750 | 6,822 |
| Average total loans | $21,050,000 | 6,956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 7,315 |
| Cost of funding earning assets | 1.0591% | 5,876 |
| Net interest margin | 2.9955% | 6,831 |
| Noninterest income to average assets | 0.2383% | 6,200 |
| Noninterest expense to average assets | 2.7284% | 4,797 |
| Loan and lease loss provision to assets | 0.0715% | 6,230 |
| Net operating income to assets | 0.2442% | 5,397 |
| Return on assets (ROA) | 0.2442% | 5,537 |
| Pretax return on assets | 0.2859% | 5,538 |
| Return on Equity (ROE) | 1.7228% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.3026% | 5,229 |
| Net charge-offs to loans | 0.0379% | 5,835 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,481 |
| Efficiency ratio | 88.4170% | 1,469 |
| Assets per employee ($millions) | 3.5220% | 4,868 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,785 |
| Loan loss allowance to noncurrent loans | 50.7431% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 4,480 |
| Noncurrent loans to loans | 2.2316% | 3,446 |
| Net loans and leases to total assets | 59.2476% | 5,206 |
| Net loans and leases to deposits | 68.5805% | 5,479 |
| Net loans and leases to core deposits | 70.9111% | 5,781 |
| Total domestic deposits to total assets | 86.3913% | 2,876 |
| Equity capital to assets | 13.5463% | 1,325 |
| Core capital (leverage) ratio | 13.6572% | 1,014 |
| Tier 1 risk-based capital ratio | 22.0237% | 1,194 |
| Total risk-based capital ratio | 23.1270% | 1,197 |
| Memoranda: | ||
| Average total assets | $33,573,330 | 7,230 |
| Average earning assets | $31,915,000 | 7,163 |
| Average equity | $4,759,670 | 6,857 |
| Average total loans | $21,099,670 | 7,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 7,421 |
| Cost of funding earning assets | 1.0373% | 6,186 |
| Net interest margin | 3.0094% | 6,812 |
| Noninterest income to average assets | 0.2687% | 6,006 |
| Noninterest expense to average assets | 2.9069% | 4,034 |
| Loan and lease loss provision to assets | 0.0366% | 6,310 |
| Net operating income to assets | 0.1588% | 5,827 |
| Return on assets (ROA) | 0.1588% | 5,950 |
| Pretax return on assets | 0.1954% | 5,887 |
| Return on Equity (ROE) | 1.0938% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.0938% | 5,381 |
| Net charge-offs to loans | 0.0379% | 5,046 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,844 |
| Efficiency ratio | 92.6070% | 1,237 |
| Assets per employee ($millions) | 3.4016% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 6,041 |
| Loan loss allowance to noncurrent loans | 48.0331% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 4,380 |
| Noncurrent loans to loans | 2.2756% | 3,426 |
| Net loans and leases to total assets | 61.7151% | 4,813 |
| Net loans and leases to deposits | 71.7955% | 5,082 |
| Net loans and leases to core deposits | 74.3378% | 5,466 |
| Total domestic deposits to total assets | 85.9595% | 3,173 |
| Equity capital to assets | 13.9728% | 1,150 |
| Core capital (leverage) ratio | 15.0131% | 749 |
| Tier 1 risk-based capital ratio | 22.2009% | 1,178 |
| Total risk-based capital ratio | 23.2846% | 1,182 |
| Memoranda: | ||
| Average total assets | $32,750,000 | 7,354 |
| Average earning assets | $31,235,500 | 7,274 |
| Average equity | $4,754,000 | 6,928 |
| Average total loans | $21,096,500 | 7,092 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 7,486 |
| Cost of funding earning assets | 1.3119% | 6,269 |
| Net interest margin | 3.0754% | 6,451 |
| Noninterest income to average assets | 0.2503% | 6,316 |
| Noninterest expense to average assets | 2.9148% | 4,488 |
| Loan and lease loss provision to assets | 0.0475% | 7,089 |
| Net operating income to assets | 0.1743% | 4,983 |
| Return on assets (ROA) | 0.1743% | 5,054 |
| Pretax return on assets | 0.2218% | 4,955 |
| Return on Equity (ROE) | 1.1594% | 5,187 |
| Retained earnings to average equity (ytd only) | 0.6324% | 4,553 |
| Net charge-offs to loans | -0.0049% | 7,717 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5423% | 1,600 |
| Assets per employee ($millions) | 3.1484% | 5,865 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,894 |
| Loan loss allowance to noncurrent loans | 99.1416% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,627 |
| Noncurrent loans to loans | 1.1112% | 5,104 |
| Net loans and leases to total assets | 65.8652% | 4,190 |
| Net loans and leases to deposits | 77.6376% | 4,446 |
| Net loans and leases to core deposits | 98.0566% | 4,217 |
| Total domestic deposits to total assets | 84.8367% | 3,627 |
| Equity capital to assets | 15.1029% | 884 |
| Core capital (leverage) ratio | 14.8108% | 824 |
| Tier 1 risk-based capital ratio | 23.0077% | 1,042 |
| Total risk-based capital ratio | 24.1254% | 1,032 |
| Memoranda: | ||
| Average total assets | $31,563,200 | 7,423 |
| Average earning assets | $30,109,800 | 7,347 |
| Average equity | $4,743,800 | 7,047 |
| Average total loans | $20,576,200 | 7,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 7,603 |
| Cost of funding earning assets | 1.3360% | 6,447 |
| Net interest margin | 3.0714% | 6,397 |
| Noninterest income to average assets | 0.2533% | 6,422 |
| Noninterest expense to average assets | 2.9002% | 4,453 |
| Loan and lease loss provision to assets | 0.0464% | 6,907 |
| Net operating income to assets | 0.1689% | 5,256 |
| Return on assets (ROA) | 0.1689% | 5,324 |
| Pretax return on assets | 0.2280% | 5,236 |
| Return on Equity (ROE) | 1.1249% | 5,451 |
| Retained earnings to average equity (ytd only) | 0.7593% | 4,862 |
| Net charge-offs to loans | -0.0065% | 7,647 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3564% | 1,589 |
| Assets per employee ($millions) | 3.1920% | 5,670 |
| Cash dividends to net income (ytd only)* | 32.4958% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,677 |
| Loan loss allowance to noncurrent loans | 109.6618% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 5,836 |
| Noncurrent loans to loans | 1.0099% | 5,284 |
| Net loans and leases to total assets | 63.5025% | 4,978 |
| Net loans and leases to deposits | 74.6923% | 5,264 |
| Net loans and leases to core deposits | 94.9637% | 4,932 |
| Total domestic deposits to total assets | 85.0188% | 3,225 |
| Equity capital to assets | 14.8935% | 1,036 |
| Core capital (leverage) ratio | 14.9671% | 867 |
| Tier 1 risk-based capital ratio | 23.1102% | 1,096 |
| Total risk-based capital ratio | 24.2137% | 1,082 |
| Memoranda: | ||
| Average total assets | $31,583,000 | 7,480 |
| Average earning assets | $30,040,000 | 7,413 |
| Average equity | $4,741,000 | 7,097 |
| Average total loans | $20,478,250 | 7,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 7,609 |
| Cost of funding earning assets | 1.3557% | 6,627 |
| Net interest margin | 3.1634% | 6,051 |
| Noninterest income to average assets | 0.2542% | 6,459 |
| Noninterest expense to average assets | 2.9234% | 4,416 |
| Loan and lease loss provision to assets | 0.0508% | 6,720 |
| Net operating income to assets | 0.1716% | 5,345 |
| Return on assets (ROA) | 0.1716% | 5,451 |
| Pretax return on assets | 0.2606% | 5,300 |
| Return on Equity (ROE) | 1.1400% | 5,596 |
| Retained earnings to average equity (ytd only) | 0.5911% | 4,954 |
| Net charge-offs to loans | 0.1075% | 5,086 |
| Credit loss provision to net charge-offs | 72.7273% | 5,370 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,092 |
| Efficiency ratio | 90.3733% | 1,774 |
| Assets per employee ($millions) | 3.1335% | 5,764 |
| Cash dividends to net income (ytd only)* | 48.1481% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,988 |
| Loan loss allowance to noncurrent loans | 89.4515% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 5,508 |
| Noncurrent loans to loans | 1.1574% | 4,900 |
| Net loans and leases to total assets | 64.6721% | 4,843 |
| Net loans and leases to deposits | 76.3076% | 5,116 |
| Net loans and leases to core deposits | 93.4603% | 5,179 |
| Total domestic deposits to total assets | 84.7519% | 3,377 |
| Equity capital to assets | 15.1269% | 1,006 |
| Core capital (leverage) ratio | 15.3229% | 852 |
| Tier 1 risk-based capital ratio | 23.2787% | 1,111 |
| Total risk-based capital ratio | 24.3198% | 1,106 |
| Memoranda: | ||
| Average total assets | $31,470,670 | 7,549 |
| Average earning assets | $29,652,000 | 7,494 |
| Average equity | $4,736,670 | 7,160 |
| Average total loans | $20,472,000 | 7,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 7,692 |
| Cost of funding earning assets | 1.3606% | 6,842 |
| Net interest margin | 3.1658% | 5,966 |
| Noninterest income to average assets | 0.2663% | 6,312 |
| Noninterest expense to average assets | 2.8029% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2663% | 5,415 |
| Return on assets (ROA) | 0.2663% | 5,581 |
| Pretax return on assets | 0.4439% | 5,259 |
| Return on Equity (ROE) | 1.7740% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.5206% | 5,000 |
| Net charge-offs to loans | -0.0195% | 7,433 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3281% | 2,035 |
| Assets per employee ($millions) | 3.1308% | 5,809 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,808 |
| Loan loss allowance to noncurrent loans | 720.0000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,305 |
| Noncurrent loans to loans | 0.1460% | 7,099 |
| Net loans and leases to total assets | 64.9483% | 4,819 |
| Net loans and leases to deposits | 76.6222% | 5,133 |
| Net loans and leases to core deposits | 94.0301% | 5,145 |
| Total domestic deposits to total assets | 84.7643% | 3,319 |
| Equity capital to assets | 15.1527% | 1,057 |
| Core capital (leverage) ratio | 15.4765% | 869 |
| Tier 1 risk-based capital ratio | 23.4110% | 1,151 |
| Total risk-based capital ratio | 24.4769% | 1,142 |
| Memoranda: | ||
| Average total assets | $31,538,500 | 7,587 |
| Average earning assets | $29,692,000 | 7,535 |
| Average equity | $4,735,000 | 7,210 |
| Average total loans | $20,469,500 | 7,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 7,396 |
| Cost of funding earning assets | 1.8634% | 6,841 |
| Net interest margin | 3.5857% | 4,948 |
| Noninterest income to average assets | 0.3021% | 6,288 |
| Noninterest expense to average assets | 3.0015% | 4,077 |
| Loan and lease loss provision to assets | 0.0266% | 7,068 |
| Net operating income to assets | 0.4748% | 4,849 |
| Return on assets (ROA) | 0.4748% | 4,670 |
| Pretax return on assets | 0.6474% | 4,556 |
| Return on Equity (ROE) | 3.0556% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.6282% | 3,552 |
| Net charge-offs to loans | 0.0334% | 6,352 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,073 |
| Efficiency ratio | 81.6621% | 2,350 |
| Assets per employee ($millions) | 3.1769% | 5,547 |
| Cash dividends to net income (ytd only)* | 13.9860% | 4,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,586 |
| Loan loss allowance to noncurrent loans | 282.8947% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,614 |
| Noncurrent loans to loans | 0.3728% | 6,235 |
| Net loans and leases to total assets | 63.5022% | 5,370 |
| Net loans and leases to deposits | 74.6715% | 5,774 |
| Net loans and leases to core deposits | 92.9806% | 5,549 |
| Total domestic deposits to total assets | 85.0420% | 2,824 |
| Equity capital to assets | 14.8761% | 1,189 |
| Core capital (leverage) ratio | 14.3761% | 1,170 |
| Tier 1 risk-based capital ratio | 23.5335% | 1,134 |
| Total risk-based capital ratio | 24.6041% | 1,131 |
| Memoranda: | ||
| Average total assets | $30,118,400 | 7,643 |
| Average earning assets | $28,334,600 | 7,599 |
| Average equity | $4,680,000 | 7,265 |
| Average total loans | $17,980,800 | 7,460 |