Home > The Necedah Bank > Performance and Condition Ratios
The Necedah Bank, Performance and Condition Ratios
| 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 | 4.0108% | 3,754 |
| Cost of funding earning assets | 0.6185% | 2,119 |
| Net interest margin | 3.3923% | 3,977 |
| Noninterest income to average assets | 0.3185% | 4,048 |
| Noninterest expense to average assets | 2.4158% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9495% | 3,240 |
| Return on assets (ROA) | 0.9495% | 3,247 |
| Pretax return on assets | 1.1658% | 3,070 |
| Return on Equity (ROE) | 8.5807% | 3,217 |
| Retained earnings to average equity (ytd only) | 8.5807% | 1,364 |
| 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 | 67.4497% | 2,740 |
| Assets per employee ($millions) | 5.4180% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,200 |
| Loan loss allowance to noncurrent loans | 97.9661% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 1,655 |
| Noncurrent loans to loans | 1.1337% | 1,551 |
| Net loans and leases to total assets | 79.1559% | 1,143 |
| Net loans and leases to deposits | 97.4512% | 1,002 |
| Net loans and leases to core deposits | 110.2013% | 986 |
| Total domestic deposits to total assets | 81.2262% | 3,936 |
| Equity capital to assets | 11.5633% | 2,154 |
| Core capital (leverage) ratio | 11.2712% | 2,283 |
| Tier 1 risk-based capital ratio | 15.1712% | 2,792 |
| Total risk-based capital ratio | 16.3314% | 2,758 |
| Memoranda: | ||
| Average total assets | $33,280,670 | 5,334 |
| Average earning assets | $32,013,330 | 5,298 |
| Average equity | $3,682,670 | 5,343 |
| Average total loans | $26,078,330 | 5,021 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 3,909 |
| Cost of funding earning assets | 0.6182% | 1,925 |
| Net interest margin | 3.2890% | 4,222 |
| Noninterest income to average assets | 0.3564% | 3,762 |
| Noninterest expense to average assets | 2.5188% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7723% | 3,825 |
| Return on assets (ROA) | 0.7723% | 3,821 |
| Pretax return on assets | 0.9980% | 3,540 |
| Return on Equity (ROE) | 7.1340% | 3,733 |
| Retained earnings to average equity (ytd only) | 7.1340% | 2,219 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 2,246 |
| Assets per employee ($millions) | 5.6173% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,202 |
| Loan loss allowance to noncurrent loans | 93.8312% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9969% | 1,576 |
| Noncurrent loans to loans | 1.2058% | 1,506 |
| Net loans and leases to total assets | 74.9318% | 1,717 |
| Net loans and leases to deposits | 91.1174% | 1,542 |
| Net loans and leases to core deposits | 120.8605% | 560 |
| Total domestic deposits to total assets | 82.2365% | 3,889 |
| Equity capital to assets | 10.8859% | 2,695 |
| Core capital (leverage) ratio | 11.1349% | 2,302 |
| Tier 1 risk-based capital ratio | 14.5170% | 3,109 |
| Total risk-based capital ratio | 15.6552% | 3,082 |
| Memoranda: | ||
| Average total assets | $33,667,000 | 5,382 |
| Average earning assets | $32,350,500 | 5,345 |
| Average equity | $3,644,500 | 5,401 |
| Average total loans | $26,107,000 | 5,072 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,511 |
| Cost of funding earning assets | 0.5220% | 2,161 |
| Net interest margin | 3.4456% | 3,704 |
| Noninterest income to average assets | 0.3399% | 4,039 |
| Noninterest expense to average assets | 2.6696% | 3,230 |
| Loan and lease loss provision to assets | 0.1481% | 1,534 |
| Net operating income to assets | 0.4891% | 4,401 |
| Return on assets (ROA) | 0.4909% | 4,431 |
| Pretax return on assets | 0.8424% | 4,113 |
| Return on Equity (ROE) | 4.2176% | 4,435 |
| Retained earnings to average equity (ytd only) | -10.1323% | 5,537 |
| Net charge-offs to loans | 0.0110% | 3,704 |
| Credit loss provision to net charge-offs | 1,700.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 592 |
| Efficiency ratio | 72.9944% | 2,063 |
| Assets per employee ($millions) | 5.6050% | 1,841 |
| Cash dividends to net income (ytd only)* | 340.2367% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,431 |
| Loan loss allowance to noncurrent loans | 98.9726% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 1,632 |
| Noncurrent loans to loans | 1.0949% | 1,622 |
| Net loans and leases to total assets | 78.4448% | 1,224 |
| Net loans and leases to deposits | 95.1833% | 1,158 |
| Net loans and leases to core deposits | 126.2551% | 428 |
| Total domestic deposits to total assets | 82.4145% | 3,755 |
| Equity capital to assets | 10.7642% | 2,881 |
| Core capital (leverage) ratio | 10.5409% | 2,797 |
| Tier 1 risk-based capital ratio | 14.0061% | 3,357 |
| Total risk-based capital ratio | 15.1240% | 3,343 |
| Memoranda: | ||
| Average total assets | $34,424,800 | 5,424 |
| Average earning assets | $33,143,600 | 5,384 |
| Average equity | $4,007,000 | 5,417 |
| Average total loans | $27,327,200 | 5,082 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,590 |
| Cost of funding earning assets | 0.4950% | 2,308 |
| Net interest margin | 3.4331% | 3,727 |
| Noninterest income to average assets | 0.3466% | 4,062 |
| Noninterest expense to average assets | 2.5916% | 3,435 |
| Loan and lease loss provision to assets | 0.1964% | 969 |
| Net operating income to assets | 0.6469% | 4,203 |
| Return on assets (ROA) | 0.6469% | 4,260 |
| Pretax return on assets | 0.8703% | 4,141 |
| Return on Equity (ROE) | 5.4582% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.8338% | 3,636 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8421% | 2,391 |
| Assets per employee ($millions) | 4.9339% | 2,531 |
| Cash dividends to net income (ytd only)* | 29.7647% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,891 |
| Loan loss allowance to noncurrent loans | 87.1642% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,749 |
| Noncurrent loans to loans | 1.1850% | 1,621 |
| Net loans and leases to total assets | 81.0117% | 841 |
| Net loans and leases to deposits | 99.6439% | 769 |
| Net loans and leases to core deposits | 117.0376% | 707 |
| Total domestic deposits to total assets | 81.3012% | 3,969 |
| Equity capital to assets | 12.0914% | 1,906 |
| Core capital (leverage) ratio | 11.8913% | 1,761 |
| Tier 1 risk-based capital ratio | 14.8739% | 2,972 |
| Total risk-based capital ratio | 15.9202% | 3,008 |
| Memoranda: | ||
| Average total assets | $34,623,500 | 5,480 |
| Average earning assets | $33,400,000 | 5,438 |
| Average equity | $4,103,750 | 5,469 |
| Average total loans | $27,491,500 | 5,137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,615 |
| Cost of funding earning assets | 0.4733% | 2,389 |
| Net interest margin | 3.4092% | 3,738 |
| Noninterest income to average assets | 0.3059% | 4,347 |
| Noninterest expense to average assets | 2.6319% | 3,333 |
| Loan and lease loss provision to assets | 0.1962% | 942 |
| Net operating income to assets | 0.5829% | 4,377 |
| Return on assets (ROA) | 0.5829% | 4,433 |
| Pretax return on assets | 0.7619% | 4,397 |
| Return on Equity (ROE) | 4.9514% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.5002% | 4,193 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3119% | 2,126 |
| Assets per employee ($millions) | 4.4118% | 3,255 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,345 |
| Loan loss allowance to noncurrent loans | 95.4861% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 2,169 |
| Noncurrent loans to loans | 1.0110% | 1,941 |
| Net loans and leases to total assets | 79.9314% | 969 |
| Net loans and leases to deposits | 97.6666% | 922 |
| Net loans and leases to core deposits | 115.5668% | 737 |
| Total domestic deposits to total assets | 81.8411% | 3,930 |
| Equity capital to assets | 11.6479% | 2,191 |
| Core capital (leverage) ratio | 11.8935% | 1,698 |
| Tier 1 risk-based capital ratio | 12.3991% | 4,354 |
| Total risk-based capital ratio | 13.2340% | 4,529 |
| Memoranda: | ||
| Average total assets | $34,652,330 | 5,524 |
| Average earning assets | $33,380,670 | 5,483 |
| Average equity | $4,079,670 | 5,517 |
| Average total loans | $27,231,670 | 5,185 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 3,628 |
| Cost of funding earning assets | 0.5070% | 2,030 |
| Net interest margin | 3.3317% | 3,914 |
| Noninterest income to average assets | 0.3146% | 4,300 |
| Noninterest expense to average assets | 2.6215% | 3,407 |
| Loan and lease loss provision to assets | 0.1981% | 835 |
| Net operating income to assets | 0.5010% | 4,591 |
| Return on assets (ROA) | 0.5010% | 4,619 |
| Pretax return on assets | 0.7107% | 4,418 |
| Return on Equity (ROE) | 4.2323% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.2323% | 3,331 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2574% | 2,190 |
| Assets per employee ($millions) | 4.3839% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 4,503 |
| Loan loss allowance to noncurrent loans | 84.5902% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 2,131 |
| Noncurrent loans to loans | 1.1333% | 1,799 |
| Net loans and leases to total assets | 76.0001% | 1,419 |
| Net loans and leases to deposits | 92.9358% | 1,230 |
| Net loans and leases to core deposits | 97.3555% | 1,717 |
| Total domestic deposits to total assets | 81.7770% | 4,225 |
| Equity capital to assets | 11.6763% | 2,060 |
| Core capital (leverage) ratio | 12.0499% | 1,593 |
| Tier 1 risk-based capital ratio | 12.4801% | 4,402 |
| Total risk-based capital ratio | 13.2701% | 4,598 |
| Memoranda: | ||
| Average total assets | $34,331,500 | 5,594 |
| Average earning assets | $33,136,500 | 5,550 |
| Average equity | $4,064,000 | 5,575 |
| Average total loans | $26,604,500 | 5,255 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,190 |
| Cost of funding earning assets | 0.4890% | 2,171 |
| Net interest margin | 3.2162% | 4,397 |
| Noninterest income to average assets | 0.3468% | 4,253 |
| Noninterest expense to average assets | 2.5852% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6208% | 4,118 |
| Return on assets (ROA) | 0.6208% | 4,237 |
| Pretax return on assets | 0.8481% | 4,019 |
| Return on Equity (ROE) | 5.1219% | 4,365 |
| Retained earnings to average equity (ytd only) | -3.7753% | 5,624 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2971% | 2,097 |
| Assets per employee ($millions) | 4.1990% | 3,622 |
| Cash dividends to net income (ytd only)* | 173.7089% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 4,720 |
| Loan loss allowance to noncurrent loans | 119.3069% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,923 |
| Noncurrent loans to loans | 0.7681% | 2,612 |
| Net loans and leases to total assets | 77.5661% | 1,278 |
| Net loans and leases to deposits | 95.4677% | 1,050 |
| Net loans and leases to core deposits | 99.2912% | 1,685 |
| Total domestic deposits to total assets | 81.2485% | 4,274 |
| Equity capital to assets | 12.0058% | 1,801 |
| Core capital (leverage) ratio | 11.9762% | 1,616 |
| Tier 1 risk-based capital ratio | 13.0480% | 4,036 |
| Total risk-based capital ratio | 13.8277% | 4,231 |
| Memoranda: | ||
| Average total assets | $34,310,800 | 5,644 |
| Average earning assets | $32,926,800 | 5,609 |
| Average equity | $4,158,600 | 5,617 |
| Average total loans | $24,967,600 | 5,355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,397 |
| Cost of funding earning assets | 0.4798% | 2,265 |
| Net interest margin | 3.1735% | 4,566 |
| Noninterest income to average assets | 0.3479% | 4,299 |
| Noninterest expense to average assets | 2.5823% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5953% | 4,312 |
| Return on assets (ROA) | 0.5953% | 4,423 |
| Pretax return on assets | 0.8079% | 4,286 |
| Return on Equity (ROE) | 4.9005% | 4,559 |
| Retained earnings to average equity (ytd only) | -0.5091% | 5,438 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1688% | 1,955 |
| Assets per employee ($millions) | 3.9639% | 4,029 |
| Cash dividends to net income (ytd only)* | 110.3882% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,795 |
| Loan loss allowance to noncurrent loans | 132.4176% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,412 |
| Noncurrent loans to loans | 0.6965% | 2,942 |
| Net loans and leases to total assets | 72.5690% | 2,100 |
| Net loans and leases to deposits | 88.7674% | 1,921 |
| Net loans and leases to core deposits | 92.0858% | 2,369 |
| Total domestic deposits to total assets | 81.7519% | 4,022 |
| Equity capital to assets | 11.8598% | 2,209 |
| Core capital (leverage) ratio | 11.9046% | 1,739 |
| Tier 1 risk-based capital ratio | 13.5260% | 3,847 |
| Total risk-based capital ratio | 14.3070% | 4,038 |
| Memoranda: | ||
| Average total assets | $34,490,500 | 5,702 |
| Average earning assets | $33,064,500 | 5,664 |
| Average equity | $4,190,000 | 5,677 |
| Average total loans | $24,635,250 | 5,419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 4,594 |
| Cost of funding earning assets | 0.4774% | 2,294 |
| Net interest margin | 3.1212% | 4,775 |
| Noninterest income to average assets | 0.3519% | 4,260 |
| Noninterest expense to average assets | 2.5575% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5807% | 4,353 |
| Return on assets (ROA) | 0.5807% | 4,477 |
| Pretax return on assets | 0.7860% | 4,335 |
| Return on Equity (ROE) | 4.7410% | 4,629 |
| Retained earnings to average equity (ytd only) | -3.4001% | 5,664 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4912% | 2,008 |
| Assets per employee ($millions) | 3.8116% | 4,245 |
| Cash dividends to net income (ytd only)* | 171.7172% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,775 |
| Loan loss allowance to noncurrent loans | 125.5208% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 3,317 |
| Noncurrent loans to loans | 0.7537% | 2,859 |
| Net loans and leases to total assets | 73.5570% | 1,923 |
| Net loans and leases to deposits | 90.7303% | 1,664 |
| Net loans and leases to core deposits | 97.7304% | 1,828 |
| Total domestic deposits to total assets | 81.0722% | 4,252 |
| Equity capital to assets | 12.1939% | 1,977 |
| Core capital (leverage) ratio | 11.4365% | 2,037 |
| Tier 1 risk-based capital ratio | 14.0590% | 3,568 |
| Total risk-based capital ratio | 14.8814% | 3,736 |
| Memoranda: | ||
| Average total assets | $34,096,330 | 5,776 |
| Average earning assets | $32,679,670 | 5,740 |
| Average equity | $4,176,330 | 5,738 |
| Average total loans | $24,137,000 | 5,495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 4,840 |
| Cost of funding earning assets | 0.4556% | 2,521 |
| Net interest margin | 3.0664% | 4,958 |
| Noninterest income to average assets | 0.3177% | 4,457 |
| Noninterest expense to average assets | 2.5064% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5531% | 4,404 |
| Return on assets (ROA) | 0.5531% | 4,507 |
| Pretax return on assets | 0.7413% | 4,390 |
| Return on Equity (ROE) | 4.5052% | 4,705 |
| Retained earnings to average equity (ytd only) | -11.7901% | 5,857 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1739% | 2,012 |
| Assets per employee ($millions) | 3.1868% | 5,299 |
| Cash dividends to net income (ytd only)* | 361.7021% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 4,385 |
| Loan loss allowance to noncurrent loans | 157.5163% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,754 |
| Noncurrent loans to loans | 0.6609% | 3,192 |
| Net loans and leases to total assets | 65.3544% | 3,054 |
| Net loans and leases to deposits | 79.8787% | 2,807 |
| Net loans and leases to core deposits | 87.4561% | 2,617 |
| Total domestic deposits to total assets | 81.8171% | 4,279 |
| Equity capital to assets | 11.7530% | 2,197 |
| Core capital (leverage) ratio | 12.2803% | 1,442 |
| Tier 1 risk-based capital ratio | 13.8136% | 3,803 |
| Total risk-based capital ratio | 14.6322% | 3,974 |
| Memoranda: | ||
| Average total assets | $33,992,500 | 5,838 |
| Average earning assets | $32,481,500 | 5,798 |
| Average equity | $4,173,000 | 5,776 |
| Average total loans | $23,468,500 | 5,570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 4,380 |
| Cost of funding earning assets | 0.4937% | 2,213 |
| Net interest margin | 3.2025% | 4,622 |
| Noninterest income to average assets | 0.0543% | 5,993 |
| Noninterest expense to average assets | 2.8506% | 3,031 |
| Loan and lease loss provision to assets | -0.0784% | 5,811 |
| Net operating income to assets | 0.2956% | 5,372 |
| Return on assets (ROA) | 0.5611% | 4,549 |
| Pretax return on assets | 0.6365% | 4,715 |
| Return on Equity (ROE) | 4.4904% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.4904% | 2,788 |
| Net charge-offs to loans | 0.1899% | 1,526 |
| Credit loss provision to net charge-offs | -57.7778% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,014 |
| Efficiency ratio | 91.7476% | 583 |
| Assets per employee ($millions) | 3.6589% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 4,527 |
| Loan loss allowance to noncurrent loans | 297.5309% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,514 |
| Noncurrent loans to loans | 0.3405% | 4,243 |
| Net loans and leases to total assets | 71.5002% | 2,136 |
| Net loans and leases to deposits | 88.9195% | 1,757 |
| Net loans and leases to core deposits | 97.1128% | 1,747 |
| Total domestic deposits to total assets | 80.4100% | 4,637 |
| Equity capital to assets | 12.8333% | 1,441 |
| Core capital (leverage) ratio | 12.6720% | 1,276 |
| Tier 1 risk-based capital ratio | 18.1558% | 1,918 |
| Total risk-based capital ratio | 19.2001% | 1,938 |
| Memoranda: | ||
| Average total assets | $33,150,800 | 5,908 |
| Average earning assets | $31,600,200 | 5,865 |
| Average equity | $4,142,200 | 5,829 |
| Average total loans | $23,701,600 | 5,599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,450 |
| Cost of funding earning assets | 0.4928% | 2,288 |
| Net interest margin | 3.1971% | 4,678 |
| Noninterest income to average assets | 0.3012% | 4,779 |
| Noninterest expense to average assets | 2.8669% | 2,948 |
| Loan and lease loss provision to assets | 0.0080% | 4,103 |
| Net operating income to assets | 0.3573% | 5,295 |
| Return on assets (ROA) | 0.6625% | 4,178 |
| Pretax return on assets | 0.8753% | 4,067 |
| Return on Equity (ROE) | 5.3379% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.3379% | 2,689 |
| Net charge-offs to loans | 0.2421% | 1,077 |
| Credit loss provision to net charge-offs | 4.6512% | 3,491 |
| Earnings coverage of net charge-offs (x) | 2.7909% | 3,601 |
| Efficiency ratio | 85.6115% | 1,033 |
| Assets per employee ($millions) | 4.2309% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,929 |
| Loan loss allowance to noncurrent loans | 196.3768% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 2,025 |
| Noncurrent loans to loans | 0.5856% | 3,575 |
| Net loans and leases to total assets | 68.8274% | 2,559 |
| Net loans and leases to deposits | 85.0188% | 2,280 |
| Net loans and leases to core deposits | 88.2124% | 2,642 |
| Total domestic deposits to total assets | 80.9555% | 4,488 |
| Equity capital to assets | 12.4088% | 1,793 |
| Core capital (leverage) ratio | 12.9412% | 1,225 |
| Tier 1 risk-based capital ratio | 16.5601% | 2,541 |
| Total risk-based capital ratio | 17.6365% | 2,579 |
| Memoranda: | ||
| Average total assets | $33,206,000 | 5,988 |
| Average earning assets | $31,652,750 | 5,942 |
| Average equity | $4,121,250 | 5,910 |
| Average total loans | $23,680,500 | 5,665 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,316 |
| Cost of funding earning assets | 0.5092% | 2,170 |
| Net interest margin | 3.2205% | 4,601 |
| Noninterest income to average assets | 0.2607% | 5,086 |
| Noninterest expense to average assets | 2.8613% | 3,024 |
| Loan and lease loss provision to assets | 0.0121% | 3,878 |
| Net operating income to assets | 0.3499% | 5,299 |
| Return on assets (ROA) | 0.6486% | 4,237 |
| Pretax return on assets | 0.8426% | 4,153 |
| Return on Equity (ROE) | 5.2259% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.2259% | 2,718 |
| Net charge-offs to loans | 0.0422% | 2,854 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,977 |
| Efficiency ratio | 85.9745% | 1,062 |
| Assets per employee ($millions) | 4.6896% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 3,142 |
| Loan loss allowance to noncurrent loans | 144.3925% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 1,856 |
| Noncurrent loans to loans | 0.9130% | 2,843 |
| Net loans and leases to total assets | 70.4572% | 2,250 |
| Net loans and leases to deposits | 87.4145% | 1,895 |
| Net loans and leases to core deposits | 95.4757% | 1,847 |
| Total domestic deposits to total assets | 80.6013% | 4,717 |
| Equity capital to assets | 12.5628% | 1,623 |
| Core capital (leverage) ratio | 12.4867% | 1,389 |
| Tier 1 risk-based capital ratio | 17.0114% | 2,399 |
| Total risk-based capital ratio | 18.2608% | 2,347 |
| Memoranda: | ||
| Average total assets | $32,992,330 | 6,062 |
| Average earning assets | $31,424,000 | 6,016 |
| Average equity | $4,095,000 | 5,978 |
| Average total loans | $23,718,330 | 5,721 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 4,245 |
| Cost of funding earning assets | 0.4956% | 2,332 |
| Net interest margin | 3.2406% | 4,450 |
| Noninterest income to average assets | 0.1814% | 5,630 |
| Noninterest expense to average assets | 3.0597% | 2,398 |
| Loan and lease loss provision to assets | 0.0121% | 3,568 |
| Net operating income to assets | 0.1495% | 5,790 |
| Return on assets (ROA) | 0.7377% | 3,733 |
| Pretax return on assets | 0.9675% | 3,622 |
| Return on Equity (ROE) | 5.9797% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.9797% | 2,517 |
| Net charge-offs to loans | 0.0838% | 1,874 |
| Credit loss provision to net charge-offs | 20.0000% | 2,359 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,609 |
| Efficiency ratio | 93.7037% | 606 |
| Assets per employee ($millions) | 4.1649% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 3,408 |
| Loan loss allowance to noncurrent loans | 143.2558% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 1,703 |
| Noncurrent loans to loans | 0.9067% | 2,971 |
| Net loans and leases to total assets | 70.2422% | 2,108 |
| Net loans and leases to deposits | 86.7682% | 1,743 |
| Net loans and leases to core deposits | 90.9564% | 2,041 |
| Total domestic deposits to total assets | 80.9538% | 4,832 |
| Equity capital to assets | 12.3233% | 1,807 |
| Core capital (leverage) ratio | 12.3096% | 1,452 |
| Tier 1 risk-based capital ratio | 16.1406% | 2,855 |
| Total risk-based capital ratio | 17.3635% | 2,803 |
| Memoranda: | ||
| Average total assets | $33,075,000 | 6,124 |
| Average earning assets | $31,475,500 | 6,075 |
| Average equity | $4,080,500 | 6,037 |
| Average total loans | $23,858,500 | 5,758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 4,719 |
| Cost of funding earning assets | 0.5290% | 2,399 |
| Net interest margin | 3.1937% | 4,942 |
| Noninterest income to average assets | 0.3297% | 4,754 |
| Noninterest expense to average assets | 2.8417% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4667% | 4,937 |
| Return on assets (ROA) | 0.5189% | 4,823 |
| Pretax return on assets | 0.5464% | 5,110 |
| Return on Equity (ROE) | 4.2409% | 5,005 |
| Retained earnings to average equity (ytd only) | 0.9480% | 5,352 |
| Net charge-offs to loans | 0.1175% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.4400% | 3,197 |
| Efficiency ratio | 85.2564% | 1,257 |
| Assets per employee ($millions) | 4.1059% | 3,715 |
| Cash dividends to net income (ytd only)* | 77.6471% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 3,805 |
| Loan loss allowance to noncurrent loans | 188.5350% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 1,726 |
| Noncurrent loans to loans | 0.6540% | 3,722 |
| Net loans and leases to total assets | 72.1801% | 1,882 |
| Net loans and leases to deposits | 89.5051% | 1,565 |
| Net loans and leases to core deposits | 94.8474% | 1,832 |
| Total domestic deposits to total assets | 80.6436% | 4,846 |
| Equity capital to assets | 12.3025% | 1,780 |
| Core capital (leverage) ratio | 11.9440% | 1,663 |
| Tier 1 risk-based capital ratio | 15.5926% | 3,191 |
| Total risk-based capital ratio | 16.7494% | 3,161 |
| Memoranda: | ||
| Average total assets | $32,761,800 | 6,199 |
| Average earning assets | $30,811,000 | 6,165 |
| Average equity | $4,008,600 | 6,089 |
| Average total loans | $21,274,400 | 5,911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,953 |
| Cost of funding earning assets | 0.5339% | 2,427 |
| Net interest margin | 3.1337% | 5,164 |
| Noninterest income to average assets | 0.3054% | 4,999 |
| Noninterest expense to average assets | 2.9524% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3421% | 5,457 |
| Return on assets (ROA) | 0.3461% | 5,509 |
| Pretax return on assets | 0.2973% | 5,780 |
| Return on Equity (ROE) | 2.8329% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.8329% | 4,587 |
| Net charge-offs to loans | 0.1619% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.8803% | 3,800 |
| Efficiency ratio | 90.9661% | 774 |
| Assets per employee ($millions) | 3.7293% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,594 |
| Loan loss allowance to noncurrent loans | 216.0584% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 2,039 |
| Noncurrent loans to loans | 0.6065% | 4,111 |
| Net loans and leases to total assets | 66.4134% | 2,786 |
| Net loans and leases to deposits | 81.4759% | 2,492 |
| Net loans and leases to core deposits | 88.7204% | 2,348 |
| Total domestic deposits to total assets | 81.5129% | 4,652 |
| Equity capital to assets | 12.1678% | 1,928 |
| Core capital (leverage) ratio | 12.3354% | 1,492 |
| Tier 1 risk-based capital ratio | 16.2848% | 2,914 |
| Total risk-based capital ratio | 17.4788% | 2,896 |
| Memoranda: | ||
| Average total assets | $32,740,500 | 6,279 |
| Average earning assets | $30,718,500 | 6,244 |
| Average equity | $4,000,500 | 6,158 |
| Average total loans | $20,591,750 | 6,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 5,099 |
| Cost of funding earning assets | 0.5318% | 2,520 |
| Net interest margin | 3.0856% | 5,297 |
| Noninterest income to average assets | 0.3881% | 4,335 |
| Noninterest expense to average assets | 2.9631% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3450% | 5,421 |
| Return on assets (ROA) | 0.3450% | 5,493 |
| Pretax return on assets | 0.3203% | 5,746 |
| Return on Equity (ROE) | 2.8193% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.8193% | 4,409 |
| Net charge-offs to loans | 0.2509% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 3,648 |
| Efficiency ratio | 90.2439% | 897 |
| Assets per employee ($millions) | 4.1030% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,382 |
| Loan loss allowance to noncurrent loans | 214.4928% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 2.0016% | 1,603 |
| Noncurrent loans to loans | 0.6502% | 4,082 |
| Net loans and leases to total assets | 63.7582% | 3,110 |
| Net loans and leases to deposits | 78.5261% | 2,730 |
| Net loans and leases to core deposits | 84.8421% | 2,638 |
| Total domestic deposits to total assets | 81.1936% | 4,920 |
| Equity capital to assets | 12.3172% | 1,762 |
| Core capital (leverage) ratio | 12.6010% | 1,346 |
| Tier 1 risk-based capital ratio | 16.7678% | 2,719 |
| Total risk-based capital ratio | 18.0061% | 2,695 |
| Memoranda: | ||
| Average total assets | $32,466,000 | 6,338 |
| Average earning assets | $30,463,670 | 6,306 |
| Average equity | $3,972,670 | 6,207 |
| Average total loans | $19,926,670 | 6,081 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 5,044 |
| Cost of funding earning assets | 0.5423% | 2,481 |
| Net interest margin | 3.0949% | 5,273 |
| Noninterest income to average assets | 0.3841% | 4,317 |
| Noninterest expense to average assets | 3.1468% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2230% | 5,734 |
| Return on assets (ROA) | 0.2230% | 5,788 |
| Pretax return on assets | 0.1363% | 6,029 |
| Return on Equity (ROE) | 1.8286% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.8286% | 4,868 |
| Net charge-offs to loans | 0.5187% | 713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4400% | 3,348 |
| Efficiency ratio | 95.8491% | 651 |
| Assets per employee ($millions) | 3.6474% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 2,925 |
| Loan loss allowance to noncurrent loans | 130.3965% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 1,803 |
| Noncurrent loans to loans | 1.1889% | 3,057 |
| Net loans and leases to total assets | 57.2608% | 3,956 |
| Net loans and leases to deposits | 70.2639% | 3,568 |
| Net loans and leases to core deposits | 70.2639% | 4,059 |
| Total domestic deposits to total assets | 81.4939% | 5,096 |
| Equity capital to assets | 12.0937% | 1,814 |
| Core capital (leverage) ratio | 12.4522% | 1,404 |
| Tier 1 risk-based capital ratio | 17.7398% | 2,393 |
| Total risk-based capital ratio | 18.9910% | 2,365 |
| Memoranda: | ||
| Average total assets | $32,287,000 | 6,408 |
| Average earning assets | $30,243,000 | 6,377 |
| Average equity | $3,937,500 | 6,261 |
| Average total loans | $19,278,000 | 6,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 5,118 |
| Cost of funding earning assets | 0.6164% | 2,516 |
| Net interest margin | 3.0884% | 5,343 |
| Noninterest income to average assets | 0.7868% | 2,134 |
| Noninterest expense to average assets | 3.3932% | 1,898 |
| Loan and lease loss provision to assets | 0.3381% | 947 |
| Net operating income to assets | 0.2766% | 5,601 |
| Return on assets (ROA) | 0.2766% | 5,688 |
| Pretax return on assets | -0.0799% | 6,275 |
| Return on Equity (ROE) | 2.3051% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.3051% | 4,610 |
| Net charge-offs to loans | 1.1313% | 489 |
| Credit loss provision to net charge-offs | 47.6190% | 3,871 |
| Earnings coverage of net charge-offs (x) | 0.3636% | 4,960 |
| Efficiency ratio | 92.9293% | 811 |
| Assets per employee ($millions) | 3.9684% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 2,573 |
| Loan loss allowance to noncurrent loans | 125.8824% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.4191% | 1,434 |
| Noncurrent loans to loans | 1.3102% | 2,949 |
| Net loans and leases to total assets | 60.2955% | 3,661 |
| Net loans and leases to deposits | 74.8670% | 3,120 |
| Net loans and leases to core deposits | 74.8670% | 3,751 |
| Total domestic deposits to total assets | 80.5367% | 5,309 |
| Equity capital to assets | 12.3004% | 1,624 |
| Core capital (leverage) ratio | 11.8412% | 1,723 |
| Tier 1 risk-based capital ratio | 13.3405% | 4,756 |
| Total risk-based capital ratio | 14.4241% | 4,808 |
| Memoranda: | ||
| Average total assets | $32,535,600 | 6,471 |
| Average earning assets | $30,177,600 | 6,446 |
| Average equity | $3,904,400 | 6,346 |
| Average total loans | $20,419,600 | 6,182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 5,130 |
| Cost of funding earning assets | 0.6289% | 2,560 |
| Net interest margin | 3.0829% | 5,369 |
| Noninterest income to average assets | 0.8961% | 1,768 |
| Noninterest expense to average assets | 3.3646% | 1,909 |
| Loan and lease loss provision to assets | 0.4481% | 638 |
| Net operating income to assets | 0.2240% | 5,857 |
| Return on assets (ROA) | 0.2240% | 5,936 |
| Pretax return on assets | -0.0611% | 6,370 |
| Return on Equity (ROE) | 1.8782% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.8782% | 5,194 |
| Net charge-offs to loans | 1.1875% | 456 |
| Credit loss provision to net charge-offs | 59.7826% | 3,308 |
| Earnings coverage of net charge-offs (x) | 0.5163% | 4,693 |
| Efficiency ratio | 89.6851% | 1,025 |
| Assets per employee ($millions) | 3.7903% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 2,312 |
| Loan loss allowance to noncurrent loans | 135.2941% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 1,456 |
| Noncurrent loans to loans | 1.3279% | 3,199 |
| Net loans and leases to total assets | 58.9658% | 3,860 |
| Net loans and leases to deposits | 71.6295% | 3,560 |
| Net loans and leases to core deposits | 71.6295% | 4,136 |
| Total domestic deposits to total assets | 82.3205% | 4,819 |
| Equity capital to assets | 11.3916% | 2,390 |
| Core capital (leverage) ratio | 11.8821% | 1,748 |
| Tier 1 risk-based capital ratio | 13.0114% | 5,111 |
| Total risk-based capital ratio | 14.2335% | 5,087 |
| Memoranda: | ||
| Average total assets | $32,732,750 | 6,536 |
| Average earning assets | $30,316,500 | 6,513 |
| Average equity | $3,904,250 | 6,426 |
| Average total loans | $20,658,750 | 6,229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 5,243 |
| Cost of funding earning assets | 0.6548% | 2,456 |
| Net interest margin | 3.0133% | 5,539 |
| Noninterest income to average assets | 1.0163% | 1,485 |
| Noninterest expense to average assets | 3.5820% | 1,444 |
| Loan and lease loss provision to assets | 0.1054% | 3,031 |
| Net operating income to assets | 0.6693% | 3,969 |
| Return on assets (ROA) | 0.6693% | 4,126 |
| Pretax return on assets | 0.1239% | 6,195 |
| Return on Equity (ROE) | 5.5238% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.5238% | 2,723 |
| Net charge-offs to loans | 0.9364% | 658 |
| Credit loss provision to net charge-offs | 17.5258% | 3,779 |
| Earnings coverage of net charge-offs (x) | 0.3814% | 4,411 |
| Efficiency ratio | 93.9837% | 763 |
| Assets per employee ($millions) | 3.6522% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,470 |
| Loan loss allowance to noncurrent loans | 46.6495% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 3.8850% | 918 |
| Noncurrent loans to loans | 3.8344% | 1,049 |
| Net loans and leases to total assets | 60.4685% | 3,580 |
| Net loans and leases to deposits | 74.2889% | 3,108 |
| Net loans and leases to core deposits | 74.2889% | 3,764 |
| Total domestic deposits to total assets | 81.3964% | 5,235 |
| Equity capital to assets | 12.0809% | 1,863 |
| Core capital (leverage) ratio | 12.4756% | 1,369 |
| Tier 1 risk-based capital ratio | 13.1222% | 5,052 |
| Total risk-based capital ratio | 14.3188% | 5,034 |
| Memoranda: | ||
| Average total assets | $32,272,670 | 6,597 |
| Average earning assets | $29,934,000 | 6,562 |
| Average equity | $3,910,330 | 6,473 |
| Average total loans | $20,717,330 | 6,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 5,097 |
| Cost of funding earning assets | 0.6651% | 2,526 |
| Net interest margin | 3.0540% | 5,415 |
| Noninterest income to average assets | 1.4011% | 783 |
| Noninterest expense to average assets | 4.2034% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0125% | 6,363 |
| Return on assets (ROA) | -0.0125% | 6,430 |
| Pretax return on assets | 0.0125% | 6,390 |
| Return on Equity (ROE) | -0.1031% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.1031% | 5,794 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7033% | 554 |
| Assets per employee ($millions) | 3.1833% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 1,670 |
| Loan loss allowance to noncurrent loans | 50.9238% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 4.5299% | 822 |
| Noncurrent loans to loans | 4.2360% | 1,025 |
| Net loans and leases to total assets | 62.8373% | 2,915 |
| Net loans and leases to deposits | 77.5972% | 2,401 |
| Net loans and leases to core deposits | 77.5972% | 3,125 |
| Total domestic deposits to total assets | 80.9789% | 5,503 |
| Equity capital to assets | 12.2294% | 1,886 |
| Core capital (leverage) ratio | 12.0409% | 1,541 |
| Tier 1 risk-based capital ratio | 12.9632% | 5,249 |
| Total risk-based capital ratio | 14.2152% | 5,200 |
| Memoranda: | ||
| Average total assets | $31,974,000 | 6,666 |
| Average earning assets | $29,469,500 | 6,633 |
| Average equity | $3,880,000 | 6,542 |
| Average total loans | $20,957,000 | 6,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 4,080 |
| Cost of funding earning assets | 0.7366% | 3,199 |
| Net interest margin | 3.5956% | 4,100 |
| Noninterest income to average assets | 0.3512% | 4,953 |
| Noninterest expense to average assets | 4.3249% | 663 |
| Loan and lease loss provision to assets | 0.5742% | 971 |
| Net operating income to assets | -1.1518% | 6,784 |
| Return on assets (ROA) | -0.9896% | 6,758 |
| Pretax return on assets | -1.1026% | 6,758 |
| Return on Equity (ROE) | -7.8641% | 6,678 |
| Retained earnings to average equity (ytd only) | -7.8641% | 6,566 |
| Net charge-offs to loans | 0.7914% | 1,482 |
| Credit loss provision to net charge-offs | 111.2426% | 2,622 |
| Earnings coverage of net charge-offs (x) | -1.3728% | 5,793 |
| Efficiency ratio | 97.0439% | 659 |
| Assets per employee ($millions) | 2.6763% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 1,881 |
| Loan loss allowance to noncurrent loans | 50.9827% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 6.0564% | 568 |
| Noncurrent loans to loans | 4.0289% | 1,160 |
| Net loans and leases to total assets | 65.4803% | 2,613 |
| Net loans and leases to deposits | 80.6884% | 2,190 |
| Net loans and leases to core deposits | 80.6884% | 2,919 |
| Total domestic deposits to total assets | 81.1521% | 5,358 |
| Equity capital to assets | 12.0411% | 2,020 |
| Core capital (leverage) ratio | 11.7916% | 1,670 |
| Tier 1 risk-based capital ratio | 15.8370% | 3,252 |
| Total risk-based capital ratio | 17.0959% | 3,201 |
| Memoranda: | ||
| Average total assets | $32,740,800 | 6,689 |
| Average earning assets | $29,730,800 | 6,670 |
| Average equity | $4,120,000 | 6,541 |
| Average total loans | $21,354,800 | 6,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 4,345 |
| Cost of funding earning assets | 0.7500% | 3,351 |
| Net interest margin | 3.5761% | 4,335 |
| Noninterest income to average assets | 0.2756% | 5,574 |
| Noninterest expense to average assets | 3.6638% | 1,426 |
| Loan and lease loss provision to assets | 0.4782% | 1,294 |
| Net operating income to assets | -0.3281% | 6,596 |
| Return on assets (ROA) | -0.2269% | 6,586 |
| Pretax return on assets | -0.4620% | 6,690 |
| Return on Equity (ROE) | -1.7847% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.7847% | 6,365 |
| Net charge-offs to loans | 0.4251% | 2,391 |
| Credit loss provision to net charge-offs | 173.5294% | 1,608 |
| Earnings coverage of net charge-offs (x) | -0.5148% | 5,502 |
| Efficiency ratio | 101.7261% | 493 |
| Assets per employee ($millions) | 2.7968% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2593% | 1,599 |
| Loan loss allowance to noncurrent loans | 35.1673% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 6.8530% | 532 |
| Noncurrent loans to loans | 6.4243% | 599 |
| Net loans and leases to total assets | 60.9707% | 3,577 |
| Net loans and leases to deposits | 75.1018% | 3,128 |
| Net loans and leases to core deposits | 75.1018% | 3,838 |
| Total domestic deposits to total assets | 81.1841% | 5,302 |
| Equity capital to assets | 12.3264% | 2,012 |
| Core capital (leverage) ratio | 11.7949% | 1,772 |
| Tier 1 risk-based capital ratio | 16.1516% | 3,191 |
| Total risk-based capital ratio | 17.4119% | 3,158 |
| Memoranda: | ||
| Average total assets | $32,897,250 | 6,767 |
| Average earning assets | $29,864,500 | 6,753 |
| Average equity | $4,183,250 | 6,603 |
| Average total loans | $21,326,000 | 6,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 3,928 |
| Cost of funding earning assets | 0.7765% | 3,391 |
| Net interest margin | 3.6865% | 3,887 |
| Noninterest income to average assets | 0.2999% | 5,407 |
| Noninterest expense to average assets | 3.7581% | 1,281 |
| Loan and lease loss provision to assets | 0.5815% | 1,039 |
| Net operating income to assets | -0.2813% | 6,602 |
| Return on assets (ROA) | -0.2265% | 6,629 |
| Pretax return on assets | -0.6121% | 6,781 |
| Return on Equity (ROE) | -1.7625% | 6,603 |
| Retained earnings to average equity (ytd only) | -1.7625% | 6,324 |
| Net charge-offs to loans | 0.6525% | 1,692 |
| Credit loss provision to net charge-offs | 135.7143% | 2,028 |
| Earnings coverage of net charge-offs (x) | -0.2714% | 5,181 |
| Efficiency ratio | 101.0084% | 524 |
| Assets per employee ($millions) | 2.6287% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 1,977 |
| Loan loss allowance to noncurrent loans | 31.5715% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 8.4992% | 386 |
| Noncurrent loans to loans | 6.6789% | 607 |
| Net loans and leases to total assets | 65.9333% | 2,680 |
| Net loans and leases to deposits | 82.4565% | 2,053 |
| Net loans and leases to core deposits | 82.4565% | 2,907 |
| Total domestic deposits to total assets | 79.9613% | 5,750 |
| Equity capital to assets | 13.3274% | 1,381 |
| Core capital (leverage) ratio | 12.3330% | 1,427 |
| Tier 1 risk-based capital ratio | 16.0660% | 3,135 |
| Total risk-based capital ratio | 17.3196% | 3,097 |
| Memoranda: | ||
| Average total assets | $32,675,670 | 6,824 |
| Average earning assets | $29,621,330 | 6,807 |
| Average equity | $4,198,670 | 6,633 |
| Average total loans | $21,456,000 | 6,491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 3,536 |
| Cost of funding earning assets | 0.7700% | 3,696 |
| Net interest margin | 3.8236% | 3,274 |
| Noninterest income to average assets | 0.3008% | 5,472 |
| Noninterest expense to average assets | 4.1875% | 757 |
| Loan and lease loss provision to assets | 0.8303% | 578 |
| Net operating income to assets | -0.3851% | 6,762 |
| Return on assets (ROA) | -0.3851% | 6,800 |
| Pretax return on assets | -1.2514% | 7,030 |
| Return on Equity (ROE) | -3.0505% | 6,758 |
| Retained earnings to average equity (ytd only) | -3.0505% | 6,402 |
| Net charge-offs to loans | 0.9833% | 1,059 |
| Credit loss provision to net charge-offs | 130.1887% | 1,865 |
| Earnings coverage of net charge-offs (x) | -0.6604% | 4,524 |
| Efficiency ratio | 108.9457% | 356 |
| Assets per employee ($millions) | 3.3388% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 2,193 |
| Loan loss allowance to noncurrent loans | 28.9006% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 8.3683% | 447 |
| Noncurrent loans to loans | 7.1188% | 612 |
| Net loans and leases to total assets | 62.5943% | 3,143 |
| Net loans and leases to deposits | 76.9704% | 2,680 |
| Net loans and leases to core deposits | 76.9704% | 3,475 |
| Total domestic deposits to total assets | 81.3226% | 5,519 |
| Equity capital to assets | 12.4476% | 1,753 |
| Core capital (leverage) ratio | 12.1365% | 1,512 |
| Tier 1 risk-based capital ratio | 14.4484% | 4,148 |
| Total risk-based capital ratio | 15.7026% | 4,107 |
| Memoranda: | ||
| Average total assets | $33,241,500 | 6,857 |
| Average earning assets | $30,128,500 | 6,842 |
| Average equity | $4,196,000 | 6,668 |
| Average total loans | $21,561,000 | 6,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 5,361 |
| Cost of funding earning assets | 0.9543% | 3,696 |
| Net interest margin | 3.4609% | 5,281 |
| Noninterest income to average assets | 0.3481% | 5,023 |
| Noninterest expense to average assets | 3.6812% | 1,572 |
| Loan and lease loss provision to assets | 0.5165% | 2,037 |
| Net operating income to assets | -0.9874% | 6,737 |
| Return on assets (ROA) | -0.2739% | 6,378 |
| Pretax return on assets | -0.0314% | 6,158 |
| Return on Equity (ROE) | -2.2457% | 6,355 |
| Retained earnings to average equity (ytd only) | -2.2457% | 6,180 |
| Net charge-offs to loans | 0.1797% | 4,708 |
| Credit loss provision to net charge-offs | 464.1026% | 484 |
| Earnings coverage of net charge-offs (x) | -2.0513% | 6,282 |
| Efficiency ratio | 104.3802% | 559 |
| Assets per employee ($millions) | 3.6772% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 2,444 |
| Loan loss allowance to noncurrent loans | 18.6016% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 10.2583% | 315 |
| Noncurrent loans to loans | 10.4389% | 290 |
| Net loans and leases to total assets | 64.5445% | 3,070 |
| Net loans and leases to deposits | 79.8602% | 2,545 |
| Net loans and leases to core deposits | 79.8602% | 3,464 |
| Total domestic deposits to total assets | 80.8219% | 5,506 |
| Equity capital to assets | 12.7995% | 1,600 |
| Core capital (leverage) ratio | 11.8952% | 1,661 |
| Tier 1 risk-based capital ratio | 16.0740% | 3,002 |
| Total risk-based capital ratio | 17.3496% | 2,953 |
| Memoranda: | ||
| Average total assets | $35,043,000 | 6,828 |
| Average earning assets | $31,436,800 | 6,824 |
| Average equity | $4,274,800 | 6,663 |
| Average total loans | $21,705,000 | 6,571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 5,115 |
| Cost of funding earning assets | 0.9845% | 3,788 |
| Net interest margin | 3.5567% | 4,951 |
| Noninterest income to average assets | 0.3603% | 4,987 |
| Noninterest expense to average assets | 3.5350% | 1,845 |
| Loan and lease loss provision to assets | 0.5104% | 1,940 |
| Net operating income to assets | -0.7993% | 6,798 |
| Return on assets (ROA) | -0.4053% | 6,635 |
| Pretax return on assets | -0.1051% | 6,337 |
| Return on Equity (ROE) | -3.3610% | 6,585 |
| Retained earnings to average equity (ytd only) | -3.3610% | 6,457 |
| Net charge-offs to loans | -0.1107% | 7,186 |
| Credit loss provision to net charge-offs | -755.5556% | 6,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5661% | 751 |
| Assets per employee ($millions) | 3.7554% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 2,164 |
| Loan loss allowance to noncurrent loans | 22.5739% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 9.4559% | 393 |
| Noncurrent loans to loans | 9.1418% | 420 |
| Net loans and leases to total assets | 61.0787% | 3,927 |
| Net loans and leases to deposits | 76.3518% | 3,274 |
| Net loans and leases to core deposits | 76.3518% | 4,157 |
| Total domestic deposits to total assets | 79.9964% | 5,736 |
| Equity capital to assets | 12.6661% | 1,809 |
| Core capital (leverage) ratio | 11.5389% | 1,999 |
| Tier 1 risk-based capital ratio | 16.0167% | 3,112 |
| Total risk-based capital ratio | 17.2687% | 3,072 |
| Memoranda: | ||
| Average total assets | $35,530,000 | 6,874 |
| Average earning assets | $31,826,750 | 6,876 |
| Average equity | $4,284,500 | 6,714 |
| Average total loans | $21,685,250 | 6,637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 5,030 |
| Cost of funding earning assets | 1.0258% | 3,777 |
| Net interest margin | 3.5595% | 4,889 |
| Noninterest income to average assets | 0.4210% | 4,504 |
| Noninterest expense to average assets | 3.3345% | 2,450 |
| Loan and lease loss provision to assets | 0.5871% | 1,647 |
| Net operating income to assets | -0.4983% | 6,688 |
| Return on assets (ROA) | -0.1828% | 6,489 |
| Pretax return on assets | 0.1828% | 5,965 |
| Return on Equity (ROE) | -1.5400% | 6,470 |
| Retained earnings to average equity (ytd only) | -1.5400% | 6,164 |
| Net charge-offs to loans | -0.1553% | 7,260 |
| Credit loss provision to net charge-offs | -623.5294% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3374% | 1,220 |
| Assets per employee ($millions) | 2.9749% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 2,761 |
| Loan loss allowance to noncurrent loans | 29.0531% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 8.5686% | 506 |
| Noncurrent loans to loans | 6.4379% | 871 |
| Net loans and leases to total assets | 64.9309% | 3,270 |
| Net loans and leases to deposits | 82.3981% | 2,390 |
| Net loans and leases to core deposits | 82.3981% | 3,447 |
| Total domestic deposits to total assets | 78.8015% | 6,131 |
| Equity capital to assets | 13.1158% | 1,463 |
| Core capital (leverage) ratio | 12.1923% | 1,511 |
| Tier 1 risk-based capital ratio | 16.0921% | 2,933 |
| Total risk-based capital ratio | 17.3453% | 2,899 |
| Memoranda: | ||
| Average total assets | $36,107,000 | 6,914 |
| Average earning assets | $32,363,670 | 6,921 |
| Average equity | $4,285,670 | 6,748 |
| Average total loans | $21,887,330 | 6,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 5,516 |
| Cost of funding earning assets | 1.0974% | 3,543 |
| Net interest margin | 3.3511% | 5,606 |
| Noninterest income to average assets | 0.4445% | 4,330 |
| Noninterest expense to average assets | 3.0901% | 3,292 |
| Loan and lease loss provision to assets | 0.1058% | 4,691 |
| Net operating income to assets | 0.0643% | 6,197 |
| Return on assets (ROA) | 0.2540% | 5,664 |
| Pretax return on assets | 0.5503% | 4,860 |
| Return on Equity (ROE) | 2.2417% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.2417% | 4,803 |
| Net charge-offs to loans | -0.0182% | 6,541 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4233% | 1,578 |
| Assets per employee ($millions) | 3.2457% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,989 |
| Loan loss allowance to noncurrent loans | 27.2388% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 7.1927% | 725 |
| Noncurrent loans to loans | 4.8827% | 1,389 |
| Net loans and leases to total assets | 60.6756% | 4,137 |
| Net loans and leases to deposits | 75.3234% | 3,535 |
| Net loans and leases to core deposits | 75.9972% | 4,307 |
| Total domestic deposits to total assets | 80.5535% | 5,804 |
| Equity capital to assets | 12.0802% | 1,870 |
| Core capital (leverage) ratio | 10.1567% | 2,966 |
| Tier 1 risk-based capital ratio | 16.1587% | 2,834 |
| Total risk-based capital ratio | 17.3327% | 2,840 |
| Memoranda: | ||
| Average total assets | $37,798,500 | 6,912 |
| Average earning assets | $33,899,000 | 6,926 |
| Average equity | $4,282,500 | 6,783 |
| Average total loans | $22,004,500 | 6,742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 6,285 |
| Cost of funding earning assets | 1.2393% | 4,291 |
| Net interest margin | 3.3013% | 5,974 |
| Noninterest income to average assets | 0.3924% | 4,956 |
| Noninterest expense to average assets | 2.7817% | 4,669 |
| Loan and lease loss provision to assets | 0.3899% | 3,776 |
| Net operating income to assets | 0.1791% | 5,343 |
| Return on assets (ROA) | 0.2856% | 5,141 |
| Pretax return on assets | 0.3676% | 5,036 |
| Return on Equity (ROE) | 2.7123% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.7123% | 3,959 |
| Net charge-offs to loans | 1.1206% | 1,987 |
| Credit loss provision to net charge-offs | 60.1533% | 6,079 |
| Earnings coverage of net charge-offs (x) | 0.9579% | 5,154 |
| Efficiency ratio | 79.7810% | 2,445 |
| Assets per employee ($millions) | 3.3245% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,140 |
| Loan loss allowance to noncurrent loans | 63.8636% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 5.0108% | 1,272 |
| Noncurrent loans to loans | 1.9951% | 3,569 |
| Net loans and leases to total assets | 54.5771% | 5,564 |
| Net loans and leases to deposits | 64.8546% | 5,531 |
| Net loans and leases to core deposits | 65.3491% | 5,942 |
| Total domestic deposits to total assets | 84.1530% | 4,296 |
| Equity capital to assets | 10.6582% | 3,011 |
| Core capital (leverage) ratio | 10.2915% | 2,777 |
| Tier 1 risk-based capital ratio | 15.5180% | 2,989 |
| Total risk-based capital ratio | 16.6109% | 3,025 |
| Memoranda: | ||
| Average total assets | $40,262,600 | 6,861 |
| Average earning assets | $36,713,200 | 6,853 |
| Average equity | $4,240,000 | 6,906 |
| Average total loans | $23,291,000 | 6,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 6,523 |
| Cost of funding earning assets | 1.3167% | 4,127 |
| Net interest margin | 3.2141% | 6,292 |
| Noninterest income to average assets | 0.3700% | 5,196 |
| Noninterest expense to average assets | 2.7555% | 4,661 |
| Loan and lease loss provision to assets | 0.5187% | 2,859 |
| Net operating income to assets | 0.0350% | 5,913 |
| Return on assets (ROA) | 0.1949% | 5,682 |
| Pretax return on assets | 0.2214% | 5,676 |
| Return on Equity (ROE) | 1.8565% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.8565% | 5,033 |
| Net charge-offs to loans | 0.5254% | 3,194 |
| Credit loss provision to net charge-offs | 168.8172% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.8172% | 4,348 |
| Efficiency ratio | 81.1565% | 2,175 |
| Assets per employee ($millions) | 3.4746% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 2,234 |
| Loan loss allowance to noncurrent loans | 59.0013% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 5.8790% | 1,026 |
| Noncurrent loans to loans | 3.3821% | 2,352 |
| Net loans and leases to total assets | 57.6960% | 5,301 |
| Net loans and leases to deposits | 69.3110% | 5,234 |
| Net loans and leases to core deposits | 69.8688% | 5,764 |
| Total domestic deposits to total assets | 83.2422% | 4,486 |
| Equity capital to assets | 11.3262% | 2,681 |
| Core capital (leverage) ratio | 10.1814% | 3,060 |
| Tier 1 risk-based capital ratio | 15.2668% | 3,118 |
| Total risk-based capital ratio | 16.5222% | 3,080 |
| Memoranda: | ||
| Average total assets | $40,354,750 | 6,932 |
| Average earning assets | $36,961,000 | 6,920 |
| Average equity | $4,237,000 | 6,996 |
| Average total loans | $23,600,250 | 6,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 6,828 |
| Cost of funding earning assets | 1.4289% | 3,676 |
| Net interest margin | 3.0060% | 6,813 |
| Noninterest income to average assets | 0.3604% | 5,268 |
| Noninterest expense to average assets | 2.4205% | 6,007 |
| Loan and lease loss provision to assets | 0.5455% | 2,596 |
| Net operating income to assets | 0.1027% | 5,859 |
| Return on assets (ROA) | 0.1120% | 5,939 |
| Pretax return on assets | 0.1753% | 5,832 |
| Return on Equity (ROE) | 1.0936% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.0936% | 5,327 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3894% | 3,185 |
| Assets per employee ($millions) | 3.5225% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 1,900 |
| Loan loss allowance to noncurrent loans | 31.7775% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.3306% | 907 |
| Noncurrent loans to loans | 6.7145% | 872 |
| Net loans and leases to total assets | 58.8314% | 5,278 |
| Net loans and leases to deposits | 70.2410% | 5,237 |
| Net loans and leases to core deposits | 70.7928% | 5,800 |
| Total domestic deposits to total assets | 83.7566% | 4,220 |
| Equity capital to assets | 10.8857% | 2,981 |
| Core capital (leverage) ratio | 9.6217% | 3,654 |
| Tier 1 risk-based capital ratio | 13.8299% | 3,849 |
| Total risk-based capital ratio | 15.0869% | 3,811 |
| Memoranda: | ||
| Average total assets | $41,066,000 | 6,958 |
| Average earning assets | $37,791,670 | 6,935 |
| Average equity | $4,206,330 | 7,044 |
| Average total loans | $23,966,670 | 6,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 7,090 |
| Cost of funding earning assets | 1.5517% | 3,256 |
| Net interest margin | 2.7746% | 7,223 |
| Noninterest income to average assets | 0.3789% | 5,105 |
| Noninterest expense to average assets | 2.1978% | 6,694 |
| Loan and lease loss provision to assets | 0.4263% | 2,828 |
| Net operating income to assets | 0.1902% | 5,718 |
| Return on assets (ROA) | 0.2084% | 5,773 |
| Pretax return on assets | 0.3410% | 5,490 |
| Return on Equity (ROE) | 2.0950% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.0950% | 4,877 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5806% | 3,826 |
| Assets per employee ($millions) | 4.0909% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 2,775 |
| Loan loss allowance to noncurrent loans | 27.9040% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 6.0940% | 972 |
| Noncurrent loans to loans | 6.4043% | 983 |
| Net loans and leases to total assets | 57.7672% | 5,484 |
| Net loans and leases to deposits | 72.4797% | 4,991 |
| Net loans and leases to core deposits | 73.0420% | 5,603 |
| Total domestic deposits to total assets | 79.7013% | 5,884 |
| Equity capital to assets | 10.2936% | 3,482 |
| Core capital (leverage) ratio | 9.0894% | 4,396 |
| Tier 1 risk-based capital ratio | 13.8374% | 3,775 |
| Total risk-based capital ratio | 15.0905% | 3,730 |
| Memoranda: | ||
| Average total assets | $42,225,000 | 7,009 |
| Average earning assets | $38,924,000 | 6,976 |
| Average equity | $4,200,500 | 7,114 |
| Average total loans | $24,303,500 | 6,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 7,231 |
| Cost of funding earning assets | 1.4764% | 5,604 |
| Net interest margin | 3.1571% | 6,209 |
| Noninterest income to average assets | 0.3557% | 5,560 |
| Noninterest expense to average assets | 7.0584% | 202 |
| Loan and lease loss provision to assets | 2.2569% | 916 |
| Net operating income to assets | -5.5890% | 7,802 |
| Return on assets (ROA) | -5.4711% | 7,789 |
| Pretax return on assets | -5.9804% | 7,801 |
| Return on Equity (ROE) | -40.4611% | 7,578 |
| Retained earnings to average equity (ytd only) | -41.6788% | 7,580 |
| Net charge-offs to loans | 4.0981% | 393 |
| Credit loss provision to net charge-offs | 94.9215% | 5,818 |
| Earnings coverage of net charge-offs (x) | -1.6205% | 6,972 |
| Efficiency ratio | 75.0685% | 3,700 |
| Assets per employee ($millions) | 3.6284% | 4,701 |
| Cash dividends to net income (ytd only)* | -3.0096% | 7,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 3,404 |
| Loan loss allowance to noncurrent loans | 21.9373% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 5.8175% | 979 |
| Noncurrent loans to loans | 7.1501% | 768 |
| Net loans and leases to total assets | 55.4879% | 6,025 |
| Net loans and leases to deposits | 68.5448% | 5,768 |
| Net loans and leases to core deposits | 80.8459% | 6,010 |
| Total domestic deposits to total assets | 80.9513% | 5,358 |
| Equity capital to assets | 9.6231% | 4,244 |
| Core capital (leverage) ratio | 9.0320% | 4,369 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,549 |
| Total risk-based capital ratio | 15.1800% | 3,499 |
| Memoranda: | ||
| Average total assets | $45,548,600 | 6,892 |
| Average earning assets | $41,113,600 | 6,904 |
| Average equity | $6,159,000 | 6,545 |
| Average total loans | $26,426,600 | 6,835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 7,327 |
| Cost of funding earning assets | 1.5513% | 5,629 |
| Net interest margin | 3.1220% | 6,252 |
| Noninterest income to average assets | 0.3735% | 5,526 |
| Noninterest expense to average assets | 2.3220% | 6,643 |
| Loan and lease loss provision to assets | 0.9902% | 1,936 |
| Net operating income to assets | -0.1361% | 5,961 |
| Return on assets (ROA) | 0.0347% | 5,686 |
| Pretax return on assets | 0.0347% | 5,641 |
| Return on Equity (ROE) | 0.2406% | 5,707 |
| Retained earnings to average equity (ytd only) | -1.2629% | 5,549 |
| Net charge-offs to loans | 1.4326% | 1,445 |
| Credit loss provision to net charge-offs | 118.3391% | 4,290 |
| Earnings coverage of net charge-offs (x) | 1.0208% | 5,031 |
| Efficiency ratio | 71.2853% | 4,368 |
| Assets per employee ($millions) | 3.8156% | 4,159 |
| Cash dividends to net income (ytd only)* | 625.0000% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,081 |
| Loan loss allowance to noncurrent loans | 18.0190% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 7.2226% | 645 |
| Noncurrent loans to loans | 10.4423% | 370 |
| Net loans and leases to total assets | 56.1469% | 6,124 |
| Net loans and leases to deposits | 73.7084% | 5,402 |
| Net loans and leases to core deposits | 89.3880% | 5,495 |
| Total domestic deposits to total assets | 76.1745% | 6,555 |
| Equity capital to assets | 14.6417% | 1,106 |
| Core capital (leverage) ratio | 9.7568% | 3,564 |
| Tier 1 risk-based capital ratio | 14.2108% | 3,434 |
| Total risk-based capital ratio | 15.4641% | 3,382 |
| Memoranda: | ||
| Average total assets | $46,050,500 | 6,918 |
| Average earning assets | $41,340,250 | 6,943 |
| Average equity | $6,651,250 | 6,432 |
| Average total loans | $26,897,000 | 6,858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 7,274 |
| Cost of funding earning assets | 1.5888% | 5,782 |
| Net interest margin | 3.1824% | 5,976 |
| Noninterest income to average assets | 0.3815% | 5,453 |
| Noninterest expense to average assets | 2.4752% | 6,203 |
| Loan and lease loss provision to assets | 1.0534% | 1,617 |
| Net operating income to assets | -0.2818% | 6,307 |
| Return on assets (ROA) | -0.1734% | 6,162 |
| Pretax return on assets | -0.1734% | 6,089 |
| Return on Equity (ROE) | -1.2060% | 6,103 |
| Retained earnings to average equity (ytd only) | -1.2060% | 5,538 |
| Net charge-offs to loans | 0.9363% | 1,844 |
| Credit loss provision to net charge-offs | 191.3386% | 2,390 |
| Earnings coverage of net charge-offs (x) | 1.4016% | 4,479 |
| Efficiency ratio | 74.4993% | 3,954 |
| Assets per employee ($millions) | 3.6448% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 1,332 |
| Loan loss allowance to noncurrent loans | 24.5374% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 6.4956% | 705 |
| Noncurrent loans to loans | 8.7127% | 463 |
| Net loans and leases to total assets | 58.2962% | 5,924 |
| Net loans and leases to deposits | 77.7466% | 4,915 |
| Net loans and leases to core deposits | 94.6156% | 5,047 |
| Total domestic deposits to total assets | 74.9823% | 6,765 |
| Equity capital to assets | 15.3646% | 957 |
| Core capital (leverage) ratio | 10.1624% | 3,134 |
| Tier 1 risk-based capital ratio | 15.1291% | 2,969 |
| Total risk-based capital ratio | 16.3877% | 2,899 |
| Memoranda: | ||
| Average total assets | $46,138,330 | 6,979 |
| Average earning assets | $41,540,670 | 6,993 |
| Average equity | $6,633,670 | 6,482 |
| Average total loans | $27,129,000 | 6,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 7,427 |
| Cost of funding earning assets | 1.5634% | 6,186 |
| Net interest margin | 3.1924% | 5,880 |
| Noninterest income to average assets | 0.3802% | 5,381 |
| Noninterest expense to average assets | 2.7293% | 4,879 |
| Loan and lease loss provision to assets | 1.6730% | 740 |
| Net operating income to assets | -1.2759% | 7,403 |
| Return on assets (ROA) | -1.0900% | 7,314 |
| Pretax return on assets | -0.9548% | 7,130 |
| Return on Equity (ROE) | -7.8295% | 7,227 |
| Retained earnings to average equity (ytd only) | -7.8295% | 6,897 |
| Net charge-offs to loans | 1.8362% | 788 |
| Credit loss provision to net charge-offs | 155.9055% | 2,694 |
| Earnings coverage of net charge-offs (x) | 0.4961% | 4,589 |
| Efficiency ratio | 81.8653% | 2,551 |
| Assets per employee ($millions) | 4.0076% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 1,544 |
| Loan loss allowance to noncurrent loans | 21.6251% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 6.1072% | 643 |
| Noncurrent loans to loans | 8.9575% | 361 |
| Net loans and leases to total assets | 53.7918% | 6,491 |
| Net loans and leases to deposits | 73.7828% | 5,507 |
| Net loans and leases to core deposits | 88.2088% | 5,715 |
| Total domestic deposits to total assets | 72.9055% | 7,069 |
| Equity capital to assets | 13.5639% | 1,510 |
| Core capital (leverage) ratio | 9.7258% | 3,716 |
| Tier 1 risk-based capital ratio | 14.1236% | 3,510 |
| Total risk-based capital ratio | 15.3793% | 3,438 |
| Memoranda: | ||
| Average total assets | $47,339,000 | 6,967 |
| Average earning assets | $42,727,000 | 6,989 |
| Average equity | $6,590,500 | 6,546 |
| Average total loans | $27,666,500 | 6,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0375% | 5,379 |
| Cost of funding earning assets | 2.3133% | 5,092 |
| Net interest margin | 3.7242% | 4,364 |
| Noninterest income to average assets | 0.8287% | 2,359 |
| Noninterest expense to average assets | 1.9532% | 7,535 |
| Loan and lease loss provision to assets | 0.4524% | 3,028 |
| Net operating income to assets | 1.1381% | 1,994 |
| Return on assets (ROA) | 1.3007% | 1,430 |
| Pretax return on assets | 1.9858% | 627 |
| Return on Equity (ROE) | 8.9248% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.6565% | 2,881 |
| Net charge-offs to loans | 0.0646% | 5,851 |
| Credit loss provision to net charge-offs | 1,094.7368% | 406 |
| Earnings coverage of net charge-offs (x) | 52.9474% | 736 |
| Efficiency ratio | 45.7458% | 7,942 |
| Assets per employee ($millions) | 4.6587% | 2,387 |
| Cash dividends to net income (ytd only)* | 59.0301% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 2,589 |
| Loan loss allowance to noncurrent loans | 16.9688% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 6.2185% | 461 |
| Noncurrent loans to loans | 8.9559% | 269 |
| Net loans and leases to total assets | 61.2038% | 5,738 |
| Net loans and leases to deposits | 82.3337% | 4,674 |
| Net loans and leases to core deposits | 89.9833% | 5,801 |
| Total domestic deposits to total assets | 74.3362% | 6,593 |
| Equity capital to assets | 14.2915% | 1,353 |
| Core capital (leverage) ratio | 9.6397% | 3,837 |
| Tier 1 risk-based capital ratio | 12.4896% | 4,445 |
| Total risk-based capital ratio | 13.6358% | 4,414 |
| Memoranda: | ||
| Average total assets | $45,975,600 | 6,937 |
| Average earning assets | $40,894,600 | 7,001 |
| Average equity | $6,700,400 | 6,566 |
| Average total loans | $29,417,800 | 6,749 |