Home > The Nehawka Bank > Performance and Condition Ratios
The Nehawka Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 4,944 |
| Cost of funding earning assets | 0.2522% | 4,773 |
| Net interest margin | 3.2301% | 4,452 |
| Noninterest income to average assets | 0.3387% | 3,890 |
| Noninterest expense to average assets | 1.7107% | 5,124 |
| Loan and lease loss provision to assets | 0.1216% | 1,654 |
| Net operating income to assets | 1.0682% | 2,794 |
| Return on assets (ROA) | 1.0682% | 2,805 |
| Pretax return on assets | 1.3982% | 2,236 |
| Return on Equity (ROE) | 7.6297% | 3,695 |
| Retained earnings to average equity (ytd only) | 7.6297% | 1,833 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1183% | 5,047 |
| Assets per employee ($millions) | 4.8297% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1211% | 5,413 |
| Loan loss allowance to noncurrent loans | 25.0000% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,142 |
| Noncurrent loans to loans | 0.4845% | 2,936 |
| Net loans and leases to total assets | 79.6811% | 1,069 |
| Net loans and leases to deposits | 93.2251% | 1,474 |
| Net loans and leases to core deposits | 93.2251% | 2,374 |
| Total domestic deposits to total assets | 85.4717% | 2,415 |
| Equity capital to assets | 13.9347% | 976 |
| Core capital (leverage) ratio | 10.8612% | 2,713 |
| Tier 1 risk-based capital ratio | 16.1156% | 2,403 |
| Total risk-based capital ratio | 16.2580% | 2,802 |
| Memoranda: | ||
| Average total assets | $15,353,500 | 5,447 |
| Average earning assets | $13,745,250 | 5,437 |
| Average equity | $2,149,500 | 5,411 |
| Average total loans | $11,693,750 | 5,321 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 5,323 |
| Cost of funding earning assets | 0.2275% | 4,873 |
| Net interest margin | 2.8012% | 5,117 |
| Noninterest income to average assets | 0.3580% | 3,761 |
| Noninterest expense to average assets | 1.4704% | 5,359 |
| Loan and lease loss provision to assets | 0.0767% | 2,367 |
| Net operating income to assets | 1.0229% | 2,920 |
| Return on assets (ROA) | 1.0229% | 2,928 |
| Pretax return on assets | 1.3298% | 2,396 |
| Return on Equity (ROE) | 7.2959% | 3,793 |
| Retained earnings to average equity (ytd only) | 7.2959% | 1,922 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6667% | 5,182 |
| Assets per employee ($millions) | 5.0773% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0515% | 5,485 |
| Loan loss allowance to noncurrent loans | 13.6364% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 3,611 |
| Noncurrent loans to loans | 0.3776% | 3,340 |
| Net loans and leases to total assets | 76.4509% | 1,568 |
| Net loans and leases to deposits | 88.4542% | 2,056 |
| Net loans and leases to core deposits | 91.9972% | 2,399 |
| Total domestic deposits to total assets | 86.4299% | 2,083 |
| Equity capital to assets | 12.9727% | 1,308 |
| Core capital (leverage) ratio | 9.7148% | 3,866 |
| Tier 1 risk-based capital ratio | 14.8604% | 2,942 |
| Total risk-based capital ratio | 14.9186% | 3,438 |
| Memoranda: | ||
| Average total assets | $15,641,670 | 5,512 |
| Average earning assets | $14,065,330 | 5,500 |
| Average equity | $2,193,000 | 5,472 |
| Average total loans | $11,738,670 | 5,378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8453% | 5,574 |
| Cost of funding earning assets | 0.1398% | 5,309 |
| Net interest margin | 1.7055% | 5,566 |
| Noninterest income to average assets | 0.1515% | 5,107 |
| Noninterest expense to average assets | 0.8077% | 5,577 |
| Loan and lease loss provision to assets | 0.0252% | 3,185 |
| Net operating income to assets | 0.6311% | 4,335 |
| Return on assets (ROA) | 0.6311% | 4,346 |
| Pretax return on assets | 0.8582% | 3,988 |
| Return on Equity (ROE) | 4.3450% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.3450% | 3,447 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2836% | 5,363 |
| Assets per employee ($millions) | 5.5053% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0085% | 5,557 |
| Loan loss allowance to noncurrent loans | 1.9608% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,603 |
| Noncurrent loans to loans | 0.4356% | 3,221 |
| Net loans and leases to total assets | 70.8767% | 2,349 |
| Net loans and leases to deposits | 80.7199% | 2,728 |
| Net loans and leases to core deposits | 80.7199% | 3,270 |
| Total domestic deposits to total assets | 87.8058% | 1,730 |
| Equity capital to assets | 11.6311% | 2,039 |
| Core capital (leverage) ratio | 9.1349% | 4,527 |
| Tier 1 risk-based capital ratio | 13.9246% | 3,415 |
| Total risk-based capital ratio | 13.9341% | 4,024 |
| Memoranda: | ||
| Average total assets | $15,846,500 | 5,573 |
| Average earning assets | $14,306,500 | 5,562 |
| Average equity | $2,301,500 | 5,525 |
| Average total loans | $11,782,500 | 5,441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,257 |
| Cost of funding earning assets | 0.3265% | 3,906 |
| Net interest margin | 3.9947% | 1,769 |
| Noninterest income to average assets | 0.4436% | 3,348 |
| Noninterest expense to average assets | 3.8406% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2218% | 5,065 |
| Return on assets (ROA) | 0.2218% | 5,086 |
| Pretax return on assets | 0.2472% | 5,266 |
| Return on Equity (ROE) | 1.3135% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.3135% | 4,495 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9535% | 294 |
| Assets per employee ($millions) | 3.0354% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.2551% | 1,381 |
| Net loans and leases to deposits | 93.9277% | 1,281 |
| Net loans and leases to core deposits | 93.9277% | 2,204 |
| Total domestic deposits to total assets | 82.2495% | 3,804 |
| Equity capital to assets | 17.6715% | 342 |
| Core capital (leverage) ratio | 17.2665% | 354 |
| Tier 1 risk-based capital ratio | 26.3458% | 639 |
| Total risk-based capital ratio | 27.5933% | 630 |
| Memoranda: | ||
| Average total assets | $15,778,600 | 5,638 |
| Average earning assets | $14,394,000 | 5,624 |
| Average equity | $2,664,600 | 5,557 |
| Average total loans | $12,945,400 | 5,487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,286 |
| Cost of funding earning assets | 0.3316% | 3,835 |
| Net interest margin | 3.9608% | 1,833 |
| Noninterest income to average assets | 0.4855% | 3,116 |
| Noninterest expense to average assets | 3.9591% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1172% | 5,428 |
| Return on assets (ROA) | 0.1172% | 5,438 |
| Pretax return on assets | 0.1256% | 5,440 |
| Return on Equity (ROE) | 0.7018% | 5,467 |
| Retained earnings to average equity (ytd only) | 0.7018% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9262% | 231 |
| Assets per employee ($millions) | 3.0336% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 1,656 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.3004% | 512 |
| Net loans and leases to deposits | 101.1609% | 667 |
| Net loans and leases to core deposits | 101.1609% | 1,611 |
| Total domestic deposits to total assets | 82.3444% | 3,674 |
| Equity capital to assets | 17.5831% | 371 |
| Core capital (leverage) ratio | 17.1765% | 369 |
| Tier 1 risk-based capital ratio | 24.3896% | 811 |
| Total risk-based capital ratio | 25.6059% | 793 |
| Memoranda: | ||
| Average total assets | $15,929,000 | 5,703 |
| Average earning assets | $14,475,000 | 5,689 |
| Average equity | $2,660,250 | 5,618 |
| Average total loans | $13,217,250 | 5,543 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,297 |
| Cost of funding earning assets | 0.3278% | 3,817 |
| Net interest margin | 3.9204% | 1,861 |
| Noninterest income to average assets | 0.5067% | 2,976 |
| Noninterest expense to average assets | 3.8065% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2348% | 5,345 |
| Return on assets (ROA) | 0.2348% | 5,364 |
| Pretax return on assets | 0.2472% | 5,393 |
| Return on Equity (ROE) | 1.4296% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.4296% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9024% | 312 |
| Assets per employee ($millions) | 3.1944% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,983 |
| Loan loss allowance to noncurrent loans | 53.2000% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.5357% | 420 |
| Noncurrent loans to loans | 1.9290% | 894 |
| Net loans and leases to total assets | 80.3093% | 907 |
| Net loans and leases to deposits | 96.3567% | 1,043 |
| Net loans and leases to core deposits | 96.3567% | 1,952 |
| Total domestic deposits to total assets | 83.3459% | 3,451 |
| Equity capital to assets | 16.5915% | 456 |
| Core capital (leverage) ratio | 16.5501% | 416 |
| Tier 1 risk-based capital ratio | 23.4576% | 902 |
| Total risk-based capital ratio | 24.6349% | 891 |
| Memoranda: | ||
| Average total assets | $16,182,670 | 5,749 |
| Average earning assets | $14,641,330 | 5,738 |
| Average equity | $2,658,000 | 5,664 |
| Average total loans | $13,367,000 | 5,588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,146 |
| Cost of funding earning assets | 0.3259% | 3,793 |
| Net interest margin | 3.9112% | 1,741 |
| Noninterest income to average assets | 0.5894% | 2,464 |
| Noninterest expense to average assets | 3.8065% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2947% | 5,209 |
| Return on assets (ROA) | 0.2947% | 5,222 |
| Pretax return on assets | 0.3193% | 5,282 |
| Return on Equity (ROE) | 1.8032% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.8032% | 4,394 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2619% | 439 |
| Assets per employee ($millions) | 3.2670% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 4,225 |
| Loan loss allowance to noncurrent loans | 21.9835% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 4.2057% | 171 |
| Noncurrent loans to loans | 4.5910% | 188 |
| Net loans and leases to total assets | 79.8592% | 850 |
| Net loans and leases to deposits | 95.5398% | 970 |
| Net loans and leases to core deposits | 95.5398% | 1,850 |
| Total domestic deposits to total assets | 83.5874% | 3,628 |
| Equity capital to assets | 16.3147% | 452 |
| Core capital (leverage) ratio | 16.6075% | 398 |
| Tier 1 risk-based capital ratio | 22.4232% | 1,040 |
| Total risk-based capital ratio | 23.5423% | 1,033 |
| Memoranda: | ||
| Average total assets | $16,288,000 | 5,819 |
| Average earning assets | $14,727,000 | 5,806 |
| Average equity | $2,662,000 | 5,728 |
| Average total loans | $13,570,500 | 5,645 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 1,675 |
| Cost of funding earning assets | 0.3181% | 3,864 |
| Net interest margin | 4.1353% | 1,288 |
| Noninterest income to average assets | 0.4835% | 3,331 |
| Noninterest expense to average assets | 4.1157% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2355% | 5,341 |
| Return on assets (ROA) | 0.2355% | 5,413 |
| Pretax return on assets | 0.2355% | 5,447 |
| Return on Equity (ROE) | 1.4385% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.4385% | 4,687 |
| Net charge-offs to loans | 0.0354% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 2,997 |
| Efficiency ratio | 94.5869% | 359 |
| Assets per employee ($millions) | 3.2482% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,566 |
| Loan loss allowance to noncurrent loans | 36.7403% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.7338% | 408 |
| Noncurrent loans to loans | 2.5926% | 591 |
| Net loans and leases to total assets | 85.1549% | 290 |
| Net loans and leases to deposits | 101.9310% | 538 |
| Net loans and leases to core deposits | 101.9310% | 1,450 |
| Total domestic deposits to total assets | 83.5417% | 3,590 |
| Equity capital to assets | 16.3721% | 452 |
| Core capital (leverage) ratio | 16.3279% | 419 |
| Tier 1 risk-based capital ratio | 21.5478% | 1,133 |
| Total risk-based capital ratio | 22.6256% | 1,136 |
| Memoranda: | ||
| Average total assets | $16,133,400 | 5,877 |
| Average earning assets | $15,089,600 | 5,860 |
| Average equity | $2,641,600 | 5,788 |
| Average total loans | $14,109,600 | 5,685 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 1,712 |
| Cost of funding earning assets | 0.3082% | 4,008 |
| Net interest margin | 4.1377% | 1,281 |
| Noninterest income to average assets | 0.5050% | 3,220 |
| Noninterest expense to average assets | 4.0976% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2732% | 5,336 |
| Return on assets (ROA) | 0.2732% | 5,421 |
| Pretax return on assets | 0.2980% | 5,460 |
| Return on Equity (ROE) | 1.6684% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.6684% | 4,844 |
| Net charge-offs to loans | 0.0472% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.1964% | 2,904 |
| Efficiency ratio | 93.2203% | 419 |
| Assets per employee ($millions) | 3.1752% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,696 |
| Loan loss allowance to noncurrent loans | 62.4413% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9841% | 787 |
| Noncurrent loans to loans | 1.5092% | 1,431 |
| Net loans and leases to total assets | 88.0574% | 132 |
| Net loans and leases to deposits | 110.0008% | 255 |
| Net loans and leases to core deposits | 110.0008% | 912 |
| Total domestic deposits to total assets | 80.0517% | 4,502 |
| Equity capital to assets | 16.7171% | 458 |
| Core capital (leverage) ratio | 16.4896% | 420 |
| Tier 1 risk-based capital ratio | 21.3533% | 1,213 |
| Total risk-based capital ratio | 22.4234% | 1,215 |
| Memoranda: | ||
| Average total assets | $16,106,500 | 5,942 |
| Average earning assets | $15,144,750 | 5,923 |
| Average equity | $2,637,250 | 5,852 |
| Average total loans | $14,146,250 | 5,737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,793 |
| Cost of funding earning assets | 0.3029% | 4,095 |
| Net interest margin | 4.1089% | 1,347 |
| Noninterest income to average assets | 0.5314% | 2,999 |
| Noninterest expense to average assets | 4.0659% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2842% | 5,361 |
| Return on assets (ROA) | 0.2842% | 5,444 |
| Pretax return on assets | 0.3213% | 5,467 |
| Return on Equity (ROE) | 1.7479% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.7479% | 4,687 |
| Net charge-offs to loans | -0.1130% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6761% | 467 |
| Assets per employee ($millions) | 3.2850% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 4,724 |
| Loan loss allowance to noncurrent loans | 215.3846% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 2,109 |
| Noncurrent loans to loans | 0.4454% | 3,770 |
| Net loans and leases to total assets | 87.9878% | 136 |
| Net loans and leases to deposits | 112.3358% | 204 |
| Net loans and leases to core deposits | 112.3358% | 800 |
| Total domestic deposits to total assets | 78.3257% | 4,934 |
| Equity capital to assets | 16.0913% | 530 |
| Core capital (leverage) ratio | 16.4468% | 410 |
| Tier 1 risk-based capital ratio | 20.5681% | 1,333 |
| Total risk-based capital ratio | 21.6576% | 1,342 |
| Memoranda: | ||
| Average total assets | $16,183,330 | 6,020 |
| Average earning assets | $15,186,670 | 6,000 |
| Average equity | $2,631,670 | 5,926 |
| Average total loans | $14,157,330 | 5,808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 1,831 |
| Cost of funding earning assets | 0.2927% | 4,253 |
| Net interest margin | 4.0971% | 1,354 |
| Noninterest income to average assets | 0.5479% | 2,816 |
| Noninterest expense to average assets | 4.0840% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2988% | 5,309 |
| Return on assets (ROA) | 0.2988% | 5,387 |
| Pretax return on assets | 0.2988% | 5,509 |
| Return on Equity (ROE) | 1.8279% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.8279% | 4,530 |
| Net charge-offs to loans | -0.3730% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1818% | 492 |
| Assets per employee ($millions) | 3.1034% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 4,242 |
| Loan loss allowance to noncurrent loans | 604.1667% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 2,573 |
| Noncurrent loans to loans | 0.1768% | 4,777 |
| Net loans and leases to total assets | 86.5631% | 189 |
| Net loans and leases to deposits | 104.4235% | 395 |
| Net loans and leases to core deposits | 104.4235% | 1,168 |
| Total domestic deposits to total assets | 82.8962% | 3,939 |
| Equity capital to assets | 16.9620% | 420 |
| Core capital (leverage) ratio | 16.6382% | 403 |
| Tier 1 risk-based capital ratio | 21.9315% | 1,171 |
| Total risk-based capital ratio | 23.1397% | 1,153 |
| Memoranda: | ||
| Average total assets | $16,062,500 | 6,082 |
| Average earning assets | $15,035,000 | 6,063 |
| Average equity | $2,626,000 | 5,980 |
| Average total loans | $13,940,000 | 5,874 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,577 |
| Cost of funding earning assets | 0.3351% | 3,846 |
| Net interest margin | 4.1697% | 1,236 |
| Noninterest income to average assets | 0.5612% | 2,959 |
| Noninterest expense to average assets | 3.9641% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4179% | 4,996 |
| Return on assets (ROA) | 0.4179% | 5,080 |
| Pretax return on assets | 0.4597% | 5,203 |
| Return on Equity (ROE) | 2.7109% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.7109% | 4,138 |
| Net charge-offs to loans | 0.3148% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 4,037 |
| Efficiency ratio | 89.6086% | 711 |
| Assets per employee ($millions) | 3.3216% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,792 |
| Loan loss allowance to noncurrent loans | 552.0000% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 4,987 |
| Noncurrent loans to loans | 0.1748% | 4,790 |
| Net loans and leases to total assets | 85.2902% | 287 |
| Net loans and leases to deposits | 101.3813% | 583 |
| Net loans and leases to core deposits | 101.3813% | 1,413 |
| Total domestic deposits to total assets | 84.1281% | 3,440 |
| Equity capital to assets | 15.7755% | 552 |
| Core capital (leverage) ratio | 15.7338% | 497 |
| Tier 1 risk-based capital ratio | 21.6243% | 1,199 |
| Total risk-based capital ratio | 22.7138% | 1,203 |
| Memoranda: | ||
| Average total assets | $16,750,400 | 6,130 |
| Average earning assets | $15,516,600 | 6,119 |
| Average equity | $2,582,200 | 6,045 |
| Average total loans | $13,975,000 | 5,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,671 |
| Cost of funding earning assets | 0.3344% | 3,928 |
| Net interest margin | 4.1417% | 1,300 |
| Noninterest income to average assets | 0.6036% | 2,720 |
| Noninterest expense to average assets | 3.9789% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4368% | 5,021 |
| Return on assets (ROA) | 0.4368% | 5,120 |
| Pretax return on assets | 0.4606% | 5,325 |
| Return on Equity (ROE) | 2.8478% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.8478% | 4,413 |
| Net charge-offs to loans | 0.1152% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.8331% | 3,290 |
| Efficiency ratio | 89.6243% | 725 |
| Assets per employee ($millions) | 3.2454% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 3,540 |
| Loan loss allowance to noncurrent loans | 274.1935% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 4,236 |
| Noncurrent loans to loans | 0.4450% | 4,014 |
| Net loans and leases to total assets | 84.8093% | 325 |
| Net loans and leases to deposits | 101.1391% | 600 |
| Net loans and leases to core deposits | 101.1391% | 1,433 |
| Total domestic deposits to total assets | 83.8541% | 3,487 |
| Equity capital to assets | 16.0658% | 553 |
| Core capital (leverage) ratio | 15.2492% | 596 |
| Tier 1 risk-based capital ratio | 20.6430% | 1,414 |
| Total risk-based capital ratio | 21.8941% | 1,380 |
| Memoranda: | ||
| Average total assets | $16,788,250 | 6,215 |
| Average earning assets | $15,548,750 | 6,201 |
| Average equity | $2,575,000 | 6,130 |
| Average total loans | $13,893,000 | 6,002 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 1,706 |
| Cost of funding earning assets | 0.3477% | 3,833 |
| Net interest margin | 4.0949% | 1,368 |
| Noninterest income to average assets | 0.6480% | 2,485 |
| Noninterest expense to average assets | 4.0529% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3417% | 5,319 |
| Return on assets (ROA) | 0.3417% | 5,427 |
| Pretax return on assets | 0.3417% | 5,590 |
| Return on Equity (ROE) | 2.2618% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.2618% | 4,583 |
| Net charge-offs to loans | 0.0576% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,688 |
| Efficiency ratio | 92.2252% | 625 |
| Assets per employee ($millions) | 3.3160% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 3,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.6297% | 502 |
| Net loans and leases to deposits | 98.0252% | 786 |
| Net loans and leases to core deposits | 98.0252% | 1,653 |
| Total domestic deposits to total assets | 84.2943% | 3,449 |
| Equity capital to assets | 15.5609% | 593 |
| Core capital (leverage) ratio | 14.8318% | 652 |
| Tier 1 risk-based capital ratio | 20.9773% | 1,368 |
| Total risk-based capital ratio | 22.2294% | 1,336 |
| Memoranda: | ||
| Average total assets | $16,975,330 | 6,288 |
| Average earning assets | $15,531,670 | 6,277 |
| Average equity | $2,564,330 | 6,201 |
| Average total loans | $13,880,000 | 6,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 1,889 |
| Cost of funding earning assets | 0.3338% | 4,057 |
| Net interest margin | 4.0309% | 1,463 |
| Noninterest income to average assets | 0.6522% | 2,393 |
| Noninterest expense to average assets | 4.0063% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2096% | 5,661 |
| Return on assets (ROA) | 0.2096% | 5,752 |
| Pretax return on assets | 0.3028% | 5,645 |
| Return on Equity (ROE) | 1.4082% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.4082% | 4,922 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9730% | 649 |
| Assets per employee ($millions) | 3.6524% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 3,260 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 4,623 |
| Noncurrent loans to loans | 0.4595% | 4,205 |
| Net loans and leases to total assets | 74.0828% | 1,485 |
| Net loans and leases to deposits | 86.2929% | 1,792 |
| Net loans and leases to core deposits | 86.2929% | 2,514 |
| Total domestic deposits to total assets | 85.8504% | 3,013 |
| Equity capital to assets | 14.0237% | 978 |
| Core capital (leverage) ratio | 14.4006% | 716 |
| Tier 1 risk-based capital ratio | 20.8652% | 1,450 |
| Total risk-based capital ratio | 22.1118% | 1,422 |
| Memoranda: | ||
| Average total assets | $17,173,000 | 6,355 |
| Average earning assets | $15,579,500 | 6,342 |
| Average equity | $2,556,500 | 6,266 |
| Average total loans | $13,881,000 | 6,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 1,721 |
| Cost of funding earning assets | 0.3822% | 3,882 |
| Net interest margin | 4.1601% | 1,405 |
| Noninterest income to average assets | 0.6498% | 2,549 |
| Noninterest expense to average assets | 4.4531% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0417% | 6,036 |
| Return on assets (ROA) | 0.0417% | 6,062 |
| Pretax return on assets | 0.0894% | 5,999 |
| Return on Equity (ROE) | 0.2740% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.2740% | 5,655 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0315% | 421 |
| Assets per employee ($millions) | 3.2168% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,450 |
| Loan loss allowance to noncurrent loans | 93.8144% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 2,364 |
| Noncurrent loans to loans | 1.3807% | 2,120 |
| Net loans and leases to total assets | 86.2286% | 195 |
| Net loans and leases to deposits | 102.6421% | 487 |
| Net loans and leases to core deposits | 112.6279% | 663 |
| Total domestic deposits to total assets | 84.0090% | 3,713 |
| Equity capital to assets | 15.8667% | 555 |
| Core capital (leverage) ratio | 15.7017% | 501 |
| Tier 1 risk-based capital ratio | 22.0742% | 1,214 |
| Total risk-based capital ratio | 23.3284% | 1,188 |
| Memoranda: | ||
| Average total assets | $16,775,000 | 6,446 |
| Average earning assets | $15,696,800 | 6,427 |
| Average equity | $2,555,000 | 6,339 |
| Average total loans | $14,493,600 | 6,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,755 |
| Cost of funding earning assets | 0.3876% | 3,928 |
| Net interest margin | 4.1463% | 1,446 |
| Noninterest income to average assets | 0.6609% | 2,518 |
| Noninterest expense to average assets | 4.3898% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0787% | 6,053 |
| Return on assets (ROA) | 0.0787% | 6,076 |
| Pretax return on assets | 0.1416% | 6,018 |
| Return on Equity (ROE) | 0.5216% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,657 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8750% | 472 |
| Assets per employee ($millions) | 3.2100% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 3,695 |
| Loan loss allowance to noncurrent loans | 44.1748% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.7414% | 907 |
| Noncurrent loans to loans | 2.9207% | 924 |
| Net loans and leases to total assets | 86.7539% | 160 |
| Net loans and leases to deposits | 103.2938% | 439 |
| Net loans and leases to core deposits | 103.2938% | 1,135 |
| Total domestic deposits to total assets | 83.9875% | 3,772 |
| Equity capital to assets | 15.9190% | 579 |
| Core capital (leverage) ratio | 14.9555% | 629 |
| Tier 1 risk-based capital ratio | 21.8488% | 1,287 |
| Total risk-based capital ratio | 23.1059% | 1,266 |
| Memoranda: | ||
| Average total assets | $16,947,750 | 6,524 |
| Average earning assets | $15,821,000 | 6,504 |
| Average equity | $2,555,750 | 6,414 |
| Average total loans | $14,604,250 | 6,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,936 |
| Cost of funding earning assets | 0.3994% | 3,873 |
| Net interest margin | 4.0684% | 1,614 |
| Noninterest income to average assets | 0.6262% | 2,672 |
| Noninterest expense to average assets | 4.1399% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1971% | 5,845 |
| Return on assets (ROA) | 0.1971% | 5,900 |
| Pretax return on assets | 0.2667% | 5,843 |
| Return on Equity (ROE) | 1.3302% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.3302% | 5,213 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9474% | 641 |
| Assets per employee ($millions) | 3.4158% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 4,105 |
| Loan loss allowance to noncurrent loans | 83.4862% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 2,262 |
| Noncurrent loans to loans | 1.5066% | 2,313 |
| Net loans and leases to total assets | 83.6583% | 326 |
| Net loans and leases to deposits | 98.5787% | 626 |
| Net loans and leases to core deposits | 98.5787% | 1,403 |
| Total domestic deposits to total assets | 84.8645% | 3,578 |
| Equity capital to assets | 15.0009% | 698 |
| Core capital (leverage) ratio | 14.8007% | 637 |
| Tier 1 risk-based capital ratio | 21.3021% | 1,385 |
| Total risk-based capital ratio | 22.5576% | 1,359 |
| Memoranda: | ||
| Average total assets | $17,247,000 | 6,589 |
| Average earning assets | $16,026,000 | 6,566 |
| Average equity | $2,556,000 | 6,469 |
| Average total loans | $14,770,330 | 6,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 1,901 |
| Cost of funding earning assets | 0.3974% | 4,002 |
| Net interest margin | 4.0734% | 1,535 |
| Noninterest income to average assets | 0.6232% | 2,607 |
| Noninterest expense to average assets | 3.9005% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3924% | 5,146 |
| Return on assets (ROA) | 0.3924% | 5,216 |
| Pretax return on assets | 0.5078% | 5,149 |
| Return on Equity (ROE) | 2.6635% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.6635% | 4,479 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4817% | 1,178 |
| Assets per employee ($millions) | 3.5122% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,342 |
| Loan loss allowance to noncurrent loans | 53.6873% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.0899% | 1,610 |
| Noncurrent loans to loans | 2.3412% | 1,516 |
| Net loans and leases to total assets | 81.4191% | 406 |
| Net loans and leases to deposits | 95.4983% | 684 |
| Net loans and leases to core deposits | 95.4983% | 1,426 |
| Total domestic deposits to total assets | 85.2571% | 3,740 |
| Equity capital to assets | 14.5835% | 765 |
| Core capital (leverage) ratio | 14.1016% | 788 |
| Tier 1 risk-based capital ratio | 20.8110% | 1,509 |
| Total risk-based capital ratio | 22.0624% | 1,484 |
| Memoranda: | ||
| Average total assets | $17,331,000 | 6,660 |
| Average earning assets | $16,104,500 | 6,636 |
| Average equity | $2,553,000 | 6,527 |
| Average total loans | $14,920,500 | 6,350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 1,911 |
| Cost of funding earning assets | 0.4540% | 4,075 |
| Net interest margin | 4.1335% | 1,559 |
| Noninterest income to average assets | 0.6553% | 2,780 |
| Noninterest expense to average assets | 3.6292% | 1,401 |
| Loan and lease loss provision to assets | 0.0826% | 3,467 |
| Net operating income to assets | 0.7159% | 3,713 |
| Return on assets (ROA) | 0.7159% | 3,801 |
| Pretax return on assets | 0.7545% | 4,320 |
| Return on Equity (ROE) | 5.2415% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.2415% | 2,456 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2577% | 1,984 |
| Assets per employee ($millions) | 3.4202% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,734 |
| Loan loss allowance to noncurrent loans | 49.8630% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.2981% | 1,533 |
| Noncurrent loans to loans | 2.3761% | 1,614 |
| Net loans and leases to total assets | 88.7609% | 64 |
| Net loans and leases to deposits | 104.4594% | 309 |
| Net loans and leases to core deposits | 104.4594% | 878 |
| Total domestic deposits to total assets | 84.9716% | 3,764 |
| Equity capital to assets | 14.8822% | 691 |
| Core capital (leverage) ratio | 14.6038% | 665 |
| Tier 1 risk-based capital ratio | 19.8952% | 1,678 |
| Total risk-based capital ratio | 21.1460% | 1,650 |
| Memoranda: | ||
| Average total assets | $18,158,400 | 6,724 |
| Average earning assets | $16,741,400 | 6,704 |
| Average equity | $2,480,200 | 6,634 |
| Average total loans | $15,105,800 | 6,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,026 |
| Cost of funding earning assets | 0.4719% | 4,048 |
| Net interest margin | 4.0818% | 1,685 |
| Noninterest income to average assets | 0.6731% | 2,762 |
| Noninterest expense to average assets | 3.5897% | 1,418 |
| Loan and lease loss provision to assets | 0.1086% | 2,952 |
| Net operating income to assets | 0.6875% | 3,920 |
| Return on assets (ROA) | 0.6875% | 4,059 |
| Pretax return on assets | 0.7309% | 4,575 |
| Return on Equity (ROE) | 5.1404% | 4,654 |
| Retained earnings to average equity (ytd only) | 5.1404% | 2,978 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0458% | 1,963 |
| Assets per employee ($millions) | 3.4444% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,087 |
| Loan loss allowance to noncurrent loans | 33.8920% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 3.2981% | 1,070 |
| Noncurrent loans to loans | 3.4123% | 1,134 |
| Net loans and leases to total assets | 90.3205% | 38 |
| Net loans and leases to deposits | 105.8667% | 242 |
| Net loans and leases to core deposits | 105.8667% | 766 |
| Total domestic deposits to total assets | 85.3153% | 3,579 |
| Equity capital to assets | 14.5686% | 802 |
| Core capital (leverage) ratio | 14.0246% | 863 |
| Tier 1 risk-based capital ratio | 19.2911% | 1,909 |
| Total risk-based capital ratio | 20.5444% | 1,873 |
| Memoranda: | ||
| Average total assets | $18,422,750 | 6,800 |
| Average earning assets | $16,953,000 | 6,779 |
| Average equity | $2,464,000 | 6,715 |
| Average total loans | $15,042,000 | 6,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,132 |
| Cost of funding earning assets | 0.5006% | 3,892 |
| Net interest margin | 4.0161% | 1,803 |
| Noninterest income to average assets | 0.6800% | 2,739 |
| Noninterest expense to average assets | 3.4745% | 1,669 |
| Loan and lease loss provision to assets | 0.1594% | 2,327 |
| Net operating income to assets | 0.6800% | 3,905 |
| Return on assets (ROA) | 0.6800% | 4,070 |
| Pretax return on assets | 0.7119% | 4,647 |
| Return on Equity (ROE) | 5.2266% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.2266% | 2,909 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9511% | 2,160 |
| Assets per employee ($millions) | 3.6518% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,074 |
| Loan loss allowance to noncurrent loans | 48.5333% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2181% | 1,944 |
| Noncurrent loans to loans | 2.4389% | 1,922 |
| Net loans and leases to total assets | 83.2138% | 282 |
| Net loans and leases to deposits | 96.4576% | 638 |
| Net loans and leases to core deposits | 96.4576% | 1,312 |
| Total domestic deposits to total assets | 86.2698% | 3,220 |
| Equity capital to assets | 13.5714% | 1,095 |
| Core capital (leverage) ratio | 13.2216% | 1,083 |
| Tier 1 risk-based capital ratio | 19.2168% | 1,933 |
| Total risk-based capital ratio | 20.4653% | 1,903 |
| Memoranda: | ||
| Average total assets | $18,823,000 | 6,843 |
| Average earning assets | $17,180,670 | 6,822 |
| Average equity | $2,449,000 | 6,763 |
| Average total loans | $14,810,330 | 6,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,855 |
| Cost of funding earning assets | 0.5359% | 3,720 |
| Net interest margin | 4.0543% | 1,609 |
| Noninterest income to average assets | 0.6490% | 2,881 |
| Noninterest expense to average assets | 3.2662% | 2,172 |
| Loan and lease loss provision to assets | 0.1884% | 1,952 |
| Net operating income to assets | 0.8375% | 2,961 |
| Return on assets (ROA) | 0.8375% | 3,106 |
| Pretax return on assets | 0.8375% | 4,012 |
| Return on Equity (ROE) | 6.5722% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.5722% | 2,382 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0976% | 2,905 |
| Assets per employee ($millions) | 3.8418% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,903 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.3094% | 1,168 |
| Net loans and leases to deposits | 84.2225% | 1,570 |
| Net loans and leases to core deposits | 84.2225% | 2,296 |
| Total domestic deposits to total assets | 87.0425% | 2,937 |
| Equity capital to assets | 12.7805% | 1,544 |
| Core capital (leverage) ratio | 12.7308% | 1,231 |
| Tier 1 risk-based capital ratio | 20.4566% | 1,661 |
| Total risk-based capital ratio | 21.7065% | 1,633 |
| Memoranda: | ||
| Average total assets | $19,105,000 | 6,911 |
| Average earning assets | $17,167,000 | 6,895 |
| Average equity | $2,434,500 | 6,829 |
| Average total loans | $14,527,500 | 6,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 1,572 |
| Cost of funding earning assets | 0.7266% | 3,279 |
| Net interest margin | 4.2682% | 1,475 |
| Noninterest income to average assets | 0.4397% | 4,326 |
| Noninterest expense to average assets | 4.6115% | 512 |
| Loan and lease loss provision to assets | 0.1539% | 3,685 |
| Net operating income to assets | -0.5881% | 6,612 |
| Return on assets (ROA) | -0.5881% | 6,641 |
| Pretax return on assets | -0.4837% | 6,560 |
| Return on Equity (ROE) | -4.2982% | 6,565 |
| Retained earnings to average equity (ytd only) | -4.2982% | 6,382 |
| Net charge-offs to loans | 0.1543% | 4,158 |
| Credit loss provision to net charge-offs | 133.3333% | 2,098 |
| Earnings coverage of net charge-offs (x) | -2.8571% | 5,868 |
| Efficiency ratio | 107.7022% | 377 |
| Assets per employee ($millions) | 3.8002% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 4,863 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.9959% | 789 |
| Net loans and leases to deposits | 88.3988% | 1,222 |
| Net loans and leases to core deposits | 88.3988% | 2,039 |
| Total domestic deposits to total assets | 87.1007% | 2,779 |
| Equity capital to assets | 12.7046% | 1,587 |
| Core capital (leverage) ratio | 12.6533% | 1,254 |
| Tier 1 risk-based capital ratio | 19.6021% | 1,786 |
| Total risk-based capital ratio | 20.9582% | 1,721 |
| Memoranda: | ||
| Average total assets | $18,193,600 | 6,987 |
| Average earning assets | $16,376,800 | 6,971 |
| Average equity | $2,489,400 | 6,880 |
| Average total loans | $13,606,000 | 6,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 1,472 |
| Cost of funding earning assets | 0.7613% | 3,262 |
| Net interest margin | 4.3199% | 1,419 |
| Noninterest income to average assets | 0.7633% | 2,411 |
| Noninterest expense to average assets | 4.6909% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1927% | 6,493 |
| Return on assets (ROA) | -0.1927% | 6,564 |
| Pretax return on assets | -0.0593% | 6,451 |
| Return on Equity (ROE) | -1.3822% | 6,529 |
| Retained earnings to average equity (ytd only) | -1.3822% | 6,321 |
| Net charge-offs to loans | 0.2104% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.3811% | 5,468 |
| Efficiency ratio | 101.2800% | 504 |
| Assets per employee ($millions) | 3.7434% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,839 |
| Loan loss allowance to noncurrent loans | 397.1429% | 946 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 1,886 |
| Noncurrent loans to loans | 0.2685% | 5,948 |
| Net loans and leases to total assets | 68.8999% | 2,135 |
| Net loans and leases to deposits | 79.6689% | 2,441 |
| Net loans and leases to core deposits | 79.6689% | 3,244 |
| Total domestic deposits to total assets | 86.4829% | 2,995 |
| Equity capital to assets | 13.3248% | 1,427 |
| Core capital (leverage) ratio | 13.4209% | 1,039 |
| Tier 1 risk-based capital ratio | 22.1001% | 1,315 |
| Total risk-based capital ratio | 23.3319% | 1,297 |
| Memoranda: | ||
| Average total assets | $17,991,750 | 7,083 |
| Average earning assets | $16,111,000 | 7,066 |
| Average equity | $2,508,250 | 6,968 |
| Average total loans | $13,308,250 | 6,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 1,502 |
| Cost of funding earning assets | 0.7711% | 3,437 |
| Net interest margin | 4.3283% | 1,397 |
| Noninterest income to average assets | 0.8000% | 2,178 |
| Noninterest expense to average assets | 4.5296% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0113% | 6,336 |
| Return on assets (ROA) | -0.0113% | 6,468 |
| Pretax return on assets | 0.1915% | 6,162 |
| Return on Equity (ROE) | -0.0796% | 6,467 |
| Retained earnings to average equity (ytd only) | -0.0796% | 6,056 |
| Net charge-offs to loans | 0.3134% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.8095% | 4,652 |
| Efficiency ratio | 95.9427% | 706 |
| Assets per employee ($millions) | 3.6298% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 5,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 1,991 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 72.7203% | 1,441 |
| Net loans and leases to deposits | 84.6514% | 1,766 |
| Net loans and leases to core deposits | 84.6514% | 2,608 |
| Total domestic deposits to total assets | 85.9056% | 3,401 |
| Equity capital to assets | 13.8851% | 1,150 |
| Core capital (leverage) ratio | 14.1956% | 758 |
| Tier 1 risk-based capital ratio | 22.2851% | 1,238 |
| Total risk-based capital ratio | 23.5143% | 1,222 |
| Memoranda: | ||
| Average total assets | $17,750,000 | 7,147 |
| Average earning assets | $16,080,330 | 7,128 |
| Average equity | $2,513,000 | 7,012 |
| Average total loans | $13,399,330 | 6,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 1,552 |
| Cost of funding earning assets | 0.7819% | 3,613 |
| Net interest margin | 4.3250% | 1,393 |
| Noninterest income to average assets | 0.8661% | 1,886 |
| Noninterest expense to average assets | 4.9913% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5014% | 6,828 |
| Return on assets (ROA) | -0.5014% | 6,855 |
| Pretax return on assets | -0.0912% | 6,595 |
| Return on Equity (ROE) | -3.5067% | 6,780 |
| Retained earnings to average equity (ytd only) | -3.5067% | 6,446 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8605% | 499 |
| Assets per employee ($millions) | 3.5148% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,535 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 2.9987% | 1,930 |
| Noncurrent loans to loans | 0.5059% | 5,661 |
| Net loans and leases to total assets | 75.5719% | 852 |
| Net loans and leases to deposits | 88.2928% | 1,132 |
| Net loans and leases to core deposits | 88.2928% | 2,020 |
| Total domestic deposits to total assets | 85.5924% | 3,740 |
| Equity capital to assets | 14.2142% | 946 |
| Core capital (leverage) ratio | 13.5533% | 928 |
| Tier 1 risk-based capital ratio | 22.5126% | 1,205 |
| Total risk-based capital ratio | 23.7653% | 1,184 |
| Memoranda: | ||
| Average total assets | $17,550,500 | 7,210 |
| Average earning assets | $16,370,000 | 7,183 |
| Average equity | $2,509,500 | 7,063 |
| Average total loans | $13,430,500 | 6,918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 631 |
| Cost of funding earning assets | 1.1195% | 2,536 |
| Net interest margin | 4.6895% | 770 |
| Noninterest income to average assets | 0.7036% | 2,582 |
| Noninterest expense to average assets | 4.3776% | 666 |
| Loan and lease loss provision to assets | 0.1269% | 5,027 |
| Net operating income to assets | 0.5075% | 4,387 |
| Return on assets (ROA) | 0.5075% | 4,599 |
| Pretax return on assets | 0.5479% | 4,846 |
| Return on Equity (ROE) | 3.5863% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,670 |
| Net charge-offs to loans | 0.1109% | 5,265 |
| Credit loss provision to net charge-offs | 146.6667% | 1,952 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,256 |
| Efficiency ratio | 86.6438% | 1,486 |
| Assets per employee ($millions) | 3.5054% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,430 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 322 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 2,835 |
| Noncurrent loans to loans | 0.0894% | 6,585 |
| Net loans and leases to total assets | 75.6547% | 998 |
| Net loans and leases to deposits | 88.5890% | 1,307 |
| Net loans and leases to core deposits | 88.5890% | 2,307 |
| Total domestic deposits to total assets | 85.3997% | 3,645 |
| Equity capital to assets | 14.3835% | 939 |
| Core capital (leverage) ratio | 14.2245% | 769 |
| Tier 1 risk-based capital ratio | 23.1284% | 1,086 |
| Total risk-based capital ratio | 24.3853% | 1,067 |
| Memoranda: | ||
| Average total assets | $17,338,200 | 7,255 |
| Average earning assets | $16,078,400 | 7,229 |
| Average equity | $2,453,800 | 7,129 |
| Average total loans | $13,525,200 | 6,968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9467% | 515 |
| Cost of funding earning assets | 1.1827% | 2,430 |
| Net interest margin | 4.7640% | 671 |
| Noninterest income to average assets | 0.6786% | 2,728 |
| Noninterest expense to average assets | 4.7808% | 447 |
| Loan and lease loss provision to assets | 0.1696% | 4,351 |
| Net operating income to assets | 0.0848% | 5,997 |
| Return on assets (ROA) | 0.0848% | 6,115 |
| Pretax return on assets | 0.1388% | 6,029 |
| Return on Equity (ROE) | 0.6020% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.6020% | 5,778 |
| Net charge-offs to loans | 0.0492% | 5,497 |
| Credit loss provision to net charge-offs | 440.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 7.9955% | 2,266 |
| Efficiency ratio | 93.9394% | 923 |
| Assets per employee ($millions) | 3.5080% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 5,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 3,884 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.6522% | 1,210 |
| Net loans and leases to deposits | 86.9687% | 1,560 |
| Net loans and leases to core deposits | 86.9687% | 2,642 |
| Total domestic deposits to total assets | 85.8381% | 3,307 |
| Equity capital to assets | 13.9339% | 1,182 |
| Core capital (leverage) ratio | 13.8588% | 935 |
| Tier 1 risk-based capital ratio | 23.0024% | 1,147 |
| Total risk-based capital ratio | 24.2541% | 1,126 |
| Memoranda: | ||
| Average total assets | $17,291,000 | 7,325 |
| Average earning assets | $16,008,500 | 7,308 |
| Average equity | $2,437,000 | 7,197 |
| Average total loans | $13,551,500 | 7,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0197% | 466 |
| Cost of funding earning assets | 1.2666% | 2,141 |
| Net interest margin | 4.7530% | 653 |
| Noninterest income to average assets | 0.6741% | 2,687 |
| Noninterest expense to average assets | 4.7768% | 448 |
| Loan and lease loss provision to assets | 0.1511% | 4,420 |
| Net operating income to assets | 0.0814% | 6,059 |
| Return on assets (ROA) | 0.0814% | 6,136 |
| Pretax return on assets | 0.1511% | 6,017 |
| Return on Equity (ROE) | 0.5750% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.5750% | 5,623 |
| Net charge-offs to loans | 0.0733% | 4,915 |
| Credit loss provision to net charge-offs | 260.0000% | 1,170 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,669 |
| Efficiency ratio | 94.0503% | 972 |
| Assets per employee ($millions) | 3.4934% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 5,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4942% | 3,964 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.2600% | 874 |
| Net loans and leases to deposits | 90.0627% | 1,263 |
| Net loans and leases to core deposits | 90.0627% | 2,367 |
| Total domestic deposits to total assets | 85.7846% | 3,451 |
| Equity capital to assets | 13.9577% | 1,107 |
| Core capital (leverage) ratio | 13.8177% | 922 |
| Tier 1 risk-based capital ratio | 22.4659% | 1,194 |
| Total risk-based capital ratio | 23.7191% | 1,167 |
| Memoranda: | ||
| Average total assets | $17,208,000 | 7,402 |
| Average earning assets | $15,947,670 | 7,383 |
| Average equity | $2,434,670 | 7,261 |
| Average total loans | $13,647,330 | 7,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0022% | 470 |
| Cost of funding earning assets | 1.2557% | 2,465 |
| Net interest margin | 4.7465% | 643 |
| Noninterest income to average assets | 0.6558% | 2,805 |
| Noninterest expense to average assets | 4.8482% | 417 |
| Loan and lease loss provision to assets | 0.1639% | 3,992 |
| Net operating income to assets | 0.0468% | 6,242 |
| Return on assets (ROA) | 0.0468% | 6,283 |
| Pretax return on assets | 0.0703% | 6,237 |
| Return on Equity (ROE) | 0.3288% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.3288% | 5,679 |
| Net charge-offs to loans | 0.1466% | 3,610 |
| Credit loss provision to net charge-offs | 140.0000% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 95.3917% | 957 |
| Assets per employee ($millions) | 3.4898% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 3,944 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.4226% | 1,282 |
| Net loans and leases to deposits | 86.7294% | 1,613 |
| Net loans and leases to core deposits | 86.7294% | 2,768 |
| Total domestic deposits to total assets | 85.8101% | 3,631 |
| Equity capital to assets | 13.9492% | 1,019 |
| Core capital (leverage) ratio | 13.7050% | 914 |
| Tier 1 risk-based capital ratio | 23.1061% | 1,068 |
| Total risk-based capital ratio | 24.3592% | 1,055 |
| Memoranda: | ||
| Average total assets | $17,078,500 | 7,463 |
| Average earning assets | $15,927,500 | 7,438 |
| Average equity | $2,433,000 | 7,308 |
| Average total loans | $13,642,500 | 7,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8684% | 175 |
| Cost of funding earning assets | 1.2870% | 3,967 |
| Net interest margin | 5.5814% | 153 |
| Noninterest income to average assets | 0.7304% | 2,646 |
| Noninterest expense to average assets | 4.7315% | 532 |
| Loan and lease loss provision to assets | 0.2477% | 4,815 |
| Net operating income to assets | 0.6796% | 3,302 |
| Return on assets (ROA) | 0.6796% | 3,434 |
| Pretax return on assets | 0.9844% | 2,981 |
| Return on Equity (ROE) | 4.5019% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.5019% | 2,723 |
| Net charge-offs to loans | 0.2251% | 4,937 |
| Credit loss provision to net charge-offs | 125.8065% | 3,234 |
| Earnings coverage of net charge-offs (x) | 6.2581% | 2,401 |
| Efficiency ratio | 79.3397% | 2,504 |
| Assets per employee ($millions) | 3.3416% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,993 |
| Loan loss allowance to noncurrent loans | 3,080.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,652 |
| Noncurrent loans to loans | 0.0354% | 7,041 |
| Net loans and leases to total assets | 83.7264% | 330 |
| Net loans and leases to deposits | 98.2926% | 690 |
| Net loans and leases to core deposits | 98.2926% | 1,765 |
| Total domestic deposits to total assets | 85.1808% | 3,762 |
| Equity capital to assets | 14.5559% | 891 |
| Core capital (leverage) ratio | 14.2656% | 795 |
| Tier 1 risk-based capital ratio | 22.5457% | 1,100 |
| Total risk-based capital ratio | 23.7972% | 1,084 |
| Memoranda: | ||
| Average total assets | $15,745,600 | 7,557 |
| Average earning assets | $14,763,200 | 7,530 |
| Average equity | $2,376,800 | 7,432 |
| Average total loans | $13,770,200 | 7,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9836% | 151 |
| Cost of funding earning assets | 1.3232% | 4,085 |
| Net interest margin | 5.6604% | 136 |
| Noninterest income to average assets | 0.7481% | 2,517 |
| Noninterest expense to average assets | 4.8327% | 432 |
| Loan and lease loss provision to assets | 0.2322% | 4,750 |
| Net operating income to assets | 0.5676% | 4,016 |
| Return on assets (ROA) | 0.5676% | 4,187 |
| Pretax return on assets | 0.9803% | 3,254 |
| Return on Equity (ROE) | 3.7241% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.7241% | 3,844 |
| Net charge-offs to loans | 0.1560% | 5,067 |
| Credit loss provision to net charge-offs | 168.7500% | 2,207 |
| Earnings coverage of net charge-offs (x) | 8.8139% | 2,108 |
| Efficiency ratio | 79.9431% | 2,345 |
| Assets per employee ($millions) | 3.2060% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,829 |
| Loan loss allowance to noncurrent loans | 215.0685% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,734 |
| Noncurrent loans to loans | 0.5237% | 6,152 |
| Net loans and leases to total assets | 85.9825% | 201 |
| Net loans and leases to deposits | 101.4500% | 555 |
| Net loans and leases to core deposits | 101.4500% | 1,702 |
| Total domestic deposits to total assets | 84.7536% | 3,746 |
| Equity capital to assets | 14.9158% | 906 |
| Core capital (leverage) ratio | 14.6543% | 783 |
| Tier 1 risk-based capital ratio | 23.0613% | 1,055 |
| Total risk-based capital ratio | 24.3152% | 1,029 |
| Memoranda: | ||
| Average total assets | $15,505,000 | 7,659 |
| Average earning assets | $14,509,750 | 7,631 |
| Average equity | $2,363,000 | 7,528 |
| Average total loans | $13,677,000 | 7,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0936% | 137 |
| Cost of funding earning assets | 1.3266% | 4,367 |
| Net interest margin | 5.7671% | 125 |
| Noninterest income to average assets | 0.7567% | 2,346 |
| Noninterest expense to average assets | 4.8402% | 425 |
| Loan and lease loss provision to assets | 0.2348% | 4,568 |
| Net operating income to assets | 0.6784% | 3,492 |
| Return on assets (ROA) | 0.6784% | 3,637 |
| Pretax return on assets | 1.0698% | 2,873 |
| Return on Equity (ROE) | 4.4186% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.4186% | 3,263 |
| Net charge-offs to loans | 0.2355% | 4,193 |
| Credit loss provision to net charge-offs | 112.5000% | 3,611 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,496 |
| Efficiency ratio | 78.7686% | 2,609 |
| Assets per employee ($millions) | 3.1612% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 6,090 |
| Loan loss allowance to noncurrent loans | 202.7397% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 5,719 |
| Noncurrent loans to loans | 0.5269% | 6,204 |
| Net loans and leases to total assets | 86.7139% | 182 |
| Net loans and leases to deposits | 102.4748% | 569 |
| Net loans and leases to core deposits | 102.4748% | 1,783 |
| Total domestic deposits to total assets | 84.6198% | 3,810 |
| Equity capital to assets | 15.0512% | 869 |
| Core capital (leverage) ratio | 15.5990% | 622 |
| Tier 1 risk-based capital ratio | 23.2370% | 1,036 |
| Total risk-based capital ratio | 24.4872% | 1,011 |
| Memoranda: | ||
| Average total assets | $15,330,000 | 7,725 |
| Average earning assets | $14,322,670 | 7,697 |
| Average equity | $2,353,670 | 7,588 |
| Average total loans | $13,589,330 | 7,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0443% | 164 |
| Cost of funding earning assets | 1.3862% | 4,268 |
| Net interest margin | 5.6581% | 146 |
| Noninterest income to average assets | 0.7421% | 2,345 |
| Noninterest expense to average assets | 4.5322% | 563 |
| Loan and lease loss provision to assets | 0.2385% | 4,136 |
| Net operating income to assets | 0.7951% | 2,987 |
| Return on assets (ROA) | 0.7951% | 3,095 |
| Pretax return on assets | 1.2722% | 2,131 |
| Return on Equity (ROE) | 5.1260% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.1260% | 3,086 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,403 |
| Assets per employee ($millions) | 3.0626% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,803 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 87.9971% | 123 |
| Net loans and leases to deposits | 104.3845% | 506 |
| Net loans and leases to core deposits | 107.9382% | 1,422 |
| Total domestic deposits to total assets | 84.3009% | 3,998 |
| Equity capital to assets | 15.3856% | 787 |
| Core capital (leverage) ratio | 15.1922% | 711 |
| Tier 1 risk-based capital ratio | 23.6951% | 993 |
| Total risk-based capital ratio | 24.9522% | 969 |
| Memoranda: | ||
| Average total assets | $15,092,000 | 7,830 |
| Average earning assets | $14,139,000 | 7,803 |
| Average equity | $2,341,000 | 7,677 |
| Average total loans | $13,457,000 | 7,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5115% | 131 |
| Cost of funding earning assets | 1.6875% | 4,576 |
| Net interest margin | 5.8240% | 132 |
| Noninterest income to average assets | 1.1264% | 1,214 |
| Noninterest expense to average assets | 4.9588% | 532 |
| Loan and lease loss provision to assets | 0.5357% | 3,691 |
| Net operating income to assets | 0.7212% | 2,852 |
| Return on assets (ROA) | 0.7212% | 2,922 |
| Pretax return on assets | 0.9890% | 2,626 |
| Return on Equity (ROE) | 4.5904% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.5904% | 2,044 |
| Net charge-offs to loans | 0.3371% | 4,546 |
| Credit loss provision to net charge-offs | 177.2727% | 2,359 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,704 |
| Efficiency ratio | 76.4831% | 3,441 |
| Assets per employee ($millions) | 2.9742% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,905 |
| Loan loss allowance to noncurrent loans | 202.7778% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 5,558 |
| Noncurrent loans to loans | 0.5420% | 6,163 |
| Net loans and leases to total assets | 88.3464% | 159 |
| Net loans and leases to deposits | 105.1966% | 591 |
| Net loans and leases to core deposits | 112.9762% | 2,602 |
| Total domestic deposits to total assets | 83.9822% | 4,032 |
| Equity capital to assets | 15.6412% | 758 |
| Core capital (leverage) ratio | 15.8815% | 634 |
| Tier 1 risk-based capital ratio | 20.1385% | 1,436 |
| Total risk-based capital ratio | 21.4026% | 1,396 |
| Memoranda: | ||
| Average total assets | $14,560,000 | 7,904 |
| Average earning assets | $13,392,800 | 7,890 |
| Average equity | $2,287,400 | 7,775 |
| Average total loans | $13,051,200 | 7,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5565% | 134 |
| Cost of funding earning assets | 1.7461% | 4,657 |
| Net interest margin | 5.8104% | 133 |
| Noninterest income to average assets | 1.1600% | 1,174 |
| Noninterest expense to average assets | 4.9899% | 492 |
| Loan and lease loss provision to assets | 0.2946% | 4,615 |
| Net operating income to assets | 0.9206% | 2,340 |
| Return on assets (ROA) | 0.9206% | 2,415 |
| Pretax return on assets | 1.2060% | 2,249 |
| Return on Equity (ROE) | 5.8536% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.8536% | 2,016 |
| Net charge-offs to loans | 0.1231% | 5,462 |
| Credit loss provision to net charge-offs | 266.6667% | 1,588 |
| Earnings coverage of net charge-offs (x) | 13.5831% | 1,667 |
| Efficiency ratio | 76.8794% | 3,345 |
| Assets per employee ($millions) | 2.9412% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,191 |
| Loan loss allowance to noncurrent loans | 157.1429% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 5,009 |
| Noncurrent loans to loans | 0.6456% | 6,007 |
| Net loans and leases to total assets | 87.5765% | 228 |
| Net loans and leases to deposits | 104.6138% | 727 |
| Net loans and leases to core deposits | 113.4114% | 2,891 |
| Total domestic deposits to total assets | 83.7141% | 3,854 |
| Equity capital to assets | 15.7827% | 827 |
| Core capital (leverage) ratio | 15.8149% | 705 |
| Tier 1 risk-based capital ratio | 20.4295% | 1,471 |
| Total risk-based capital ratio | 21.5914% | 1,444 |
| Memoranda: | ||
| Average total assets | $14,482,250 | 7,986 |
| Average earning assets | $13,286,250 | 7,973 |
| Average equity | $2,277,750 | 7,855 |
| Average total loans | $12,993,000 | 7,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5556% | 143 |
| Cost of funding earning assets | 1.7796% | 4,863 |
| Net interest margin | 5.7760% | 126 |
| Noninterest income to average assets | 1.2077% | 1,069 |
| Noninterest expense to average assets | 4.8308% | 585 |
| Loan and lease loss provision to assets | 0.2360% | 4,702 |
| Net operating income to assets | 1.1660% | 1,570 |
| Return on assets (ROA) | 1.1660% | 1,648 |
| Pretax return on assets | 1.4576% | 1,568 |
| Return on Equity (ROE) | 7.4227% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.4227% | 1,427 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0426% | 4,028 |
| Assets per employee ($millions) | 2.8832% | 6,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,391 |
| Loan loss allowance to noncurrent loans | 1,612.5000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 6,098 |
| Noncurrent loans to loans | 0.0607% | 7,378 |
| Net loans and leases to total assets | 90.5591% | 109 |
| Net loans and leases to deposits | 108.4212% | 630 |
| Net loans and leases to core deposits | 119.2020% | 2,436 |
| Total domestic deposits to total assets | 83.5252% | 4,004 |
| Equity capital to assets | 15.9822% | 827 |
| Core capital (leverage) ratio | 15.7377% | 778 |
| Tier 1 risk-based capital ratio | 20.1012% | 1,560 |
| Total risk-based capital ratio | 21.2267% | 1,547 |
| Memoranda: | ||
| Average total assets | $14,407,670 | 8,078 |
| Average earning assets | $13,261,670 | 8,063 |
| Average equity | $2,263,330 | 7,938 |
| Average total loans | $12,987,000 | 7,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3831% | 196 |
| Cost of funding earning assets | 1.8684% | 4,796 |
| Net interest margin | 5.5147% | 174 |
| Noninterest income to average assets | 1.3052% | 838 |
| Noninterest expense to average assets | 4.7766% | 558 |
| Loan and lease loss provision to assets | 0.2222% | 4,228 |
| Net operating income to assets | 1.2497% | 1,510 |
| Return on assets (ROA) | 1.2497% | 1,616 |
| Pretax return on assets | 1.3886% | 2,000 |
| Return on Equity (ROE) | 8.0250% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.0250% | 1,807 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7826% | 3,697 |
| Assets per employee ($millions) | 2.9242% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,627 |
| Loan loss allowance to noncurrent loans | 148.1481% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 5,811 |
| Noncurrent loans to loans | 0.6248% | 5,838 |
| Net loans and leases to total assets | 87.8531% | 277 |
| Net loans and leases to deposits | 104.3969% | 984 |
| Net loans and leases to core deposits | 113.0324% | 3,099 |
| Total domestic deposits to total assets | 84.1529% | 3,635 |
| Equity capital to assets | 15.4983% | 968 |
| Core capital (leverage) ratio | 15.4412% | 878 |
| Tier 1 risk-based capital ratio | 20.0265% | 1,617 |
| Total risk-based capital ratio | 21.0871% | 1,605 |
| Memoranda: | ||
| Average total assets | $14,403,500 | 8,133 |
| Average earning assets | $13,273,500 | 8,112 |
| Average equity | $2,243,000 | 7,994 |
| Average total loans | $12,888,500 | 7,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6311% | 322 |
| Cost of funding earning assets | 2.5076% | 4,166 |
| Net interest margin | 5.1235% | 383 |
| Noninterest income to average assets | 1.0333% | 1,475 |
| Noninterest expense to average assets | 4.6106% | 811 |
| Loan and lease loss provision to assets | 0.1853% | 5,039 |
| Net operating income to assets | 0.7197% | 3,806 |
| Return on assets (ROA) | 0.7197% | 3,638 |
| Pretax return on assets | 0.9549% | 3,541 |
| Return on Equity (ROE) | 4.6301% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.6301% | 2,245 |
| Net charge-offs to loans | 0.2112% | 4,097 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 3,429 |
| Efficiency ratio | 80.1735% | 2,572 |
| Assets per employee ($millions) | 2.3643% | 7,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,767 |
| Loan loss allowance to noncurrent loans | 305.4054% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 6,534 |
| Noncurrent loans to loans | 0.2888% | 6,514 |
| Net loans and leases to total assets | 89.5178% | 231 |
| Net loans and leases to deposits | 106.7861% | 1,062 |
| Net loans and leases to core deposits | 115.8985% | 3,129 |
| Total domestic deposits to total assets | 83.8291% | 3,412 |
| Equity capital to assets | 15.6492% | 1,014 |
| Core capital (leverage) ratio | 15.6758% | 887 |
| Tier 1 risk-based capital ratio | 20.0253% | 1,617 |
| Total risk-based capital ratio | 21.0446% | 1,610 |
| Memoranda: | ||
| Average total assets | $14,033,000 | 8,185 |
| Average earning assets | $12,920,800 | 8,168 |
| Average equity | $2,181,400 | 8,083 |
| Average total loans | $12,310,400 | 7,814 |