Home > The Peabody State Bank > Performance and Condition Ratios
The Peabody State Bank, Performance and Condition Ratios
| 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 | 3.8486% | 3,773 |
| Cost of funding earning assets | 0.2746% | 4,341 |
| Net interest margin | 3.5739% | 3,183 |
| Noninterest income to average assets | 0.9228% | 1,338 |
| Noninterest expense to average assets | 3.3453% | 1,465 |
| Loan and lease loss provision to assets | 0.0396% | 3,449 |
| Net operating income to assets | 0.5264% | 4,588 |
| Return on assets (ROA) | 0.5471% | 4,616 |
| Pretax return on assets | 0.7844% | 4,351 |
| Return on Equity (ROE) | 4.9054% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.5508% | 3,102 |
| Net charge-offs to loans | -0.0114% | 4,817 |
| Credit loss provision to net charge-offs | -600.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7325% | 1,337 |
| Assets per employee ($millions) | 3.2343% | 5,128 |
| Cash dividends to net income (ytd only)* | 7.2290% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,077 |
| Loan loss allowance to noncurrent loans | 18.1054% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.3728% | 302 |
| Noncurrent loans to loans | 5.8484% | 122 |
| Net loans and leases to total assets | 57.0586% | 4,191 |
| Net loans and leases to deposits | 67.4926% | 4,206 |
| Net loans and leases to core deposits | 69.1837% | 4,385 |
| Total domestic deposits to total assets | 84.5405% | 3,012 |
| Equity capital to assets | 11.8265% | 2,235 |
| Core capital (leverage) ratio | 10.5618% | 2,921 |
| Tier 1 risk-based capital ratio | 17.2482% | 2,151 |
| Total risk-based capital ratio | 18.2269% | 2,191 |
| Memoranda: | ||
| Average total assets | $40,454,000 | 5,591 |
| Average earning assets | $36,411,000 | 5,589 |
| Average equity | $4,512,000 | 5,610 |
| Average total loans | $23,380,750 | 5,461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,160 |
| Cost of funding earning assets | 0.2745% | 4,397 |
| Net interest margin | 3.7514% | 2,511 |
| Noninterest income to average assets | 0.8780% | 1,443 |
| Noninterest expense to average assets | 3.0340% | 2,238 |
| Loan and lease loss provision to assets | 0.0683% | 2,773 |
| Net operating income to assets | 0.7524% | 3,536 |
| Return on assets (ROA) | 0.7805% | 3,545 |
| Pretax return on assets | 1.2195% | 2,704 |
| Return on Equity (ROE) | 7.1333% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.7766% | 1,725 |
| Net charge-offs to loans | -0.0084% | 4,652 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8096% | 2,859 |
| Assets per employee ($millions) | 3.3749% | 4,967 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,208 |
| Loan loss allowance to noncurrent loans | 95.2000% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 3,158 |
| Noncurrent loans to loans | 1.1068% | 2,080 |
| Net loans and leases to total assets | 55.1865% | 4,396 |
| Net loans and leases to deposits | 64.8484% | 4,434 |
| Net loans and leases to core deposits | 66.3953% | 4,579 |
| Total domestic deposits to total assets | 85.1009% | 2,830 |
| Equity capital to assets | 11.3336% | 2,709 |
| Core capital (leverage) ratio | 10.3093% | 3,183 |
| Tier 1 risk-based capital ratio | 17.3664% | 2,111 |
| Total risk-based capital ratio | 18.3529% | 2,141 |
| Memoranda: | ||
| Average total assets | $41,001,670 | 5,640 |
| Average earning assets | $37,159,330 | 5,645 |
| Average equity | $4,486,000 | 5,678 |
| Average total loans | $23,713,670 | 5,512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 3,559 |
| Cost of funding earning assets | 0.2724% | 4,473 |
| Net interest margin | 3.6357% | 2,935 |
| Noninterest income to average assets | 0.7563% | 1,797 |
| Noninterest expense to average assets | 3.1513% | 1,955 |
| Loan and lease loss provision to assets | 0.1357% | 1,545 |
| Net operating income to assets | 0.5236% | 4,529 |
| Return on assets (ROA) | 0.5236% | 4,637 |
| Pretax return on assets | 0.8339% | 4,085 |
| Return on Equity (ROE) | 4.8714% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.5106% | 3,233 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,111 |
| Assets per employee ($millions) | 3.5315% | 4,769 |
| Cash dividends to net income (ytd only)* | 7.4074% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,916 |
| Loan loss allowance to noncurrent loans | 124.7368% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 3,796 |
| Noncurrent loans to loans | 0.7516% | 2,957 |
| Net loans and leases to total assets | 59.0896% | 3,908 |
| Net loans and leases to deposits | 74.1231% | 3,421 |
| Net loans and leases to core deposits | 75.9255% | 3,689 |
| Total domestic deposits to total assets | 79.7183% | 4,810 |
| Equity capital to assets | 10.5550% | 3,423 |
| Core capital (leverage) ratio | 10.1458% | 3,374 |
| Tier 1 risk-based capital ratio | 15.3354% | 3,001 |
| Total risk-based capital ratio | 16.2279% | 3,104 |
| Memoranda: | ||
| Average total assets | $41,253,000 | 5,687 |
| Average earning assets | $38,177,000 | 5,680 |
| Average equity | $4,434,000 | 5,735 |
| Average total loans | $24,276,500 | 5,543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,086 |
| Cost of funding earning assets | 0.3123% | 4,111 |
| Net interest margin | 3.4742% | 3,620 |
| Noninterest income to average assets | 0.7846% | 1,848 |
| Noninterest expense to average assets | 3.4246% | 1,441 |
| Loan and lease loss provision to assets | 0.1038% | 2,252 |
| Net operating income to assets | 0.3721% | 5,132 |
| Return on assets (ROA) | 0.3721% | 5,221 |
| Pretax return on assets | 0.4100% | 5,300 |
| Return on Equity (ROE) | 3.3796% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.9888% | 3,937 |
| Net charge-offs to loans | -0.2232% | 5,968 |
| Credit loss provision to net charge-offs | -87.2340% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8252% | 924 |
| Assets per employee ($millions) | 3.3440% | 5,076 |
| Cash dividends to net income (ytd only)* | 11.5646% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,819 |
| Loan loss allowance to noncurrent loans | 309.7222% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 4,888 |
| Noncurrent loans to loans | 0.3093% | 4,349 |
| Net loans and leases to total assets | 57.4462% | 4,151 |
| Net loans and leases to deposits | 70.5839% | 3,858 |
| Net loans and leases to core deposits | 72.3609% | 4,099 |
| Total domestic deposits to total assets | 81.3871% | 4,378 |
| Equity capital to assets | 10.9525% | 2,872 |
| Core capital (leverage) ratio | 10.5592% | 2,872 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,423 |
| Total risk-based capital ratio | 17.5289% | 2,531 |
| Memoranda: | ||
| Average total assets | $39,508,400 | 5,775 |
| Average earning assets | $35,864,400 | 5,764 |
| Average equity | $4,349,600 | 5,792 |
| Average total loans | $21,061,400 | 5,679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 4,026 |
| Cost of funding earning assets | 0.3196% | 4,111 |
| Net interest margin | 3.5001% | 3,531 |
| Noninterest income to average assets | 0.7589% | 1,987 |
| Noninterest expense to average assets | 3.3135% | 1,661 |
| Loan and lease loss provision to assets | 0.1389% | 1,599 |
| Net operating income to assets | 0.2880% | 5,489 |
| Return on assets (ROA) | 0.2880% | 5,565 |
| Pretax return on assets | 0.4608% | 5,323 |
| Return on Equity (ROE) | 2.6123% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,773 |
| Net charge-offs to loans | -0.1496% | 5,918 |
| Credit loss provision to net charge-offs | -178.2609% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5887% | 1,113 |
| Assets per employee ($millions) | 3.0569% | 5,481 |
| Cash dividends to net income (ytd only)* | 15.2916% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 4,966 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,816 |
| Noncurrent loans to loans | 0.0048% | 5,639 |
| Net loans and leases to total assets | 52.0382% | 4,757 |
| Net loans and leases to deposits | 61.3013% | 4,768 |
| Net loans and leases to core deposits | 62.7942% | 4,879 |
| Total domestic deposits to total assets | 84.8893% | 3,060 |
| Equity capital to assets | 11.0443% | 2,968 |
| Core capital (leverage) ratio | 10.0023% | 3,622 |
| Tier 1 risk-based capital ratio | 17.3818% | 2,221 |
| Total risk-based capital ratio | 18.2557% | 2,321 |
| Memoranda: | ||
| Average total assets | $39,353,500 | 5,854 |
| Average earning assets | $35,464,500 | 5,852 |
| Average equity | $4,338,250 | 5,872 |
| Average total loans | $20,508,000 | 5,772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,012 |
| Cost of funding earning assets | 0.3169% | 4,201 |
| Net interest margin | 3.4972% | 3,512 |
| Noninterest income to average assets | 0.6476% | 2,488 |
| Noninterest expense to average assets | 3.2684% | 1,796 |
| Loan and lease loss provision to assets | 0.1836% | 1,110 |
| Net operating income to assets | 0.1989% | 5,694 |
| Return on assets (ROA) | 0.1989% | 5,758 |
| Pretax return on assets | 0.3467% | 5,582 |
| Return on Equity (ROE) | 1.8050% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.3885% | 4,996 |
| Net charge-offs to loans | -0.2257% | 6,054 |
| Credit loss provision to net charge-offs | -156.5217% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9060% | 1,065 |
| Assets per employee ($millions) | 3.0255% | 5,567 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,921 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,724 |
| Noncurrent loans to loans | 0.0714% | 5,447 |
| Net loans and leases to total assets | 49.3580% | 4,990 |
| Net loans and leases to deposits | 58.2134% | 4,977 |
| Net loans and leases to core deposits | 59.6479% | 5,092 |
| Total domestic deposits to total assets | 84.7881% | 3,219 |
| Equity capital to assets | 10.9557% | 2,929 |
| Core capital (leverage) ratio | 10.1831% | 3,357 |
| Tier 1 risk-based capital ratio | 17.7846% | 2,133 |
| Total risk-based capital ratio | 18.6657% | 2,205 |
| Memoranda: | ||
| Average total assets | $39,224,670 | 5,917 |
| Average earning assets | $35,342,670 | 5,923 |
| Average equity | $4,321,330 | 5,938 |
| Average total loans | $20,384,330 | 5,832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 4,201 |
| Cost of funding earning assets | 0.3152% | 4,274 |
| Net interest margin | 3.4333% | 3,697 |
| Noninterest income to average assets | 0.7148% | 2,097 |
| Noninterest expense to average assets | 3.2881% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3370% | 5,294 |
| Return on assets (ROA) | 0.3370% | 5,404 |
| Pretax return on assets | 0.5412% | 5,068 |
| Return on Equity (ROE) | 3.0503% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.6805% | 4,337 |
| Net charge-offs to loans | -0.3081% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8667% | 1,193 |
| Assets per employee ($millions) | 3.0554% | 5,599 |
| Cash dividends to net income (ytd only)* | 12.1212% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 5,810 |
| Loan loss allowance to noncurrent loans | 888.2353% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,768 |
| Noncurrent loans to loans | 0.0843% | 5,445 |
| Net loans and leases to total assets | 50.4079% | 4,803 |
| Net loans and leases to deposits | 59.5025% | 4,779 |
| Net loans and leases to core deposits | 60.9553% | 4,922 |
| Total domestic deposits to total assets | 84.7155% | 3,537 |
| Equity capital to assets | 10.9668% | 3,009 |
| Core capital (leverage) ratio | 9.8931% | 3,760 |
| Tier 1 risk-based capital ratio | 16.9037% | 2,519 |
| Total risk-based capital ratio | 17.5543% | 2,716 |
| Memoranda: | ||
| Average total assets | $39,171,500 | 5,978 |
| Average earning assets | $35,534,500 | 5,978 |
| Average equity | $4,327,500 | 5,989 |
| Average total loans | $20,773,000 | 5,865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,232 |
| Cost of funding earning assets | 0.3519% | 4,232 |
| Net interest margin | 3.7713% | 2,727 |
| Noninterest income to average assets | 1.2675% | 752 |
| Noninterest expense to average assets | 3.3451% | 1,812 |
| Loan and lease loss provision to assets | 0.3757% | 496 |
| Net operating income to assets | 0.5580% | 4,570 |
| Return on assets (ROA) | 0.5596% | 4,654 |
| Pretax return on assets | 0.9174% | 3,841 |
| Return on Equity (ROE) | 5.1906% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.8113% | 2,747 |
| Net charge-offs to loans | 0.9259% | 348 |
| Credit loss provision to net charge-offs | 75.0000% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.5765% | 4,118 |
| Efficiency ratio | 72.0507% | 3,200 |
| Assets per employee ($millions) | 2.9710% | 5,737 |
| Cash dividends to net income (ytd only)* | 7.3059% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6316% | 6,100 |
| Loan loss allowance to noncurrent loans | 204.5455% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 5,341 |
| Noncurrent loans to loans | 0.3088% | 4,737 |
| Net loans and leases to total assets | 54.9880% | 4,454 |
| Net loans and leases to deposits | 65.2493% | 4,408 |
| Net loans and leases to core deposits | 66.8977% | 4,605 |
| Total domestic deposits to total assets | 84.2736% | 3,598 |
| Equity capital to assets | 11.1307% | 2,772 |
| Core capital (leverage) ratio | 10.0629% | 3,481 |
| Tier 1 risk-based capital ratio | 17.3785% | 2,364 |
| Total risk-based capital ratio | 17.9822% | 2,580 |
| Memoranda: | ||
| Average total assets | $39,132,000 | 6,057 |
| Average earning assets | $34,948,600 | 6,064 |
| Average equity | $4,219,200 | 6,047 |
| Average total loans | $21,168,600 | 5,915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,147 |
| Cost of funding earning assets | 0.3546% | 4,295 |
| Net interest margin | 3.8017% | 2,617 |
| Noninterest income to average assets | 1.4196% | 622 |
| Noninterest expense to average assets | 3.2909% | 1,919 |
| Loan and lease loss provision to assets | 0.0679% | 2,983 |
| Net operating income to assets | 1.0199% | 2,369 |
| Return on assets (ROA) | 1.0222% | 2,413 |
| Pretax return on assets | 1.4502% | 1,807 |
| Return on Equity (ROE) | 9.5569% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.1759% | 931 |
| Net charge-offs to loans | 0.0947% | 2,859 |
| Credit loss provision to net charge-offs | 133.3333% | 1,742 |
| Earnings coverage of net charge-offs (x) | 29.7325% | 1,378 |
| Efficiency ratio | 68.4099% | 3,784 |
| Assets per employee ($millions) | 3.0978% | 5,596 |
| Cash dividends to net income (ytd only)* | 3.9868% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 5,596 |
| Loan loss allowance to noncurrent loans | 78.7500% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 4,061 |
| Noncurrent loans to loans | 1.1468% | 2,764 |
| Net loans and leases to total assets | 51.4973% | 4,857 |
| Net loans and leases to deposits | 60.8039% | 4,865 |
| Net loans and leases to core deposits | 62.2662% | 5,019 |
| Total domestic deposits to total assets | 84.6941% | 3,457 |
| Equity capital to assets | 10.8189% | 3,158 |
| Core capital (leverage) ratio | 10.0033% | 3,679 |
| Tier 1 risk-based capital ratio | 17.7114% | 2,313 |
| Total risk-based capital ratio | 18.5619% | 2,426 |
| Memoranda: | ||
| Average total assets | $39,259,250 | 6,130 |
| Average earning assets | $34,966,000 | 6,136 |
| Average equity | $4,199,250 | 6,111 |
| Average total loans | $21,117,500 | 5,977 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,022 |
| Cost of funding earning assets | 0.3624% | 4,290 |
| Net interest margin | 3.8194% | 2,487 |
| Noninterest income to average assets | 0.7194% | 2,188 |
| Noninterest expense to average assets | 3.3503% | 1,801 |
| Loan and lease loss provision to assets | 0.0411% | 3,494 |
| Net operating income to assets | 0.6379% | 4,160 |
| Return on assets (ROA) | 0.6423% | 4,242 |
| Pretax return on assets | 0.7451% | 4,478 |
| Return on Equity (ROE) | 6.0289% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.6431% | 2,550 |
| Net charge-offs to loans | 0.1228% | 2,444 |
| Credit loss provision to net charge-offs | 61.5385% | 2,614 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 2,132 |
| Efficiency ratio | 80.9701% | 1,883 |
| Assets per employee ($millions) | 2.9585% | 5,810 |
| Cash dividends to net income (ytd only)* | 6.4000% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 5,867 |
| Loan loss allowance to noncurrent loans | 59.4684% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 3,618 |
| Noncurrent loans to loans | 1.4348% | 2,408 |
| Net loans and leases to total assets | 54.0822% | 4,534 |
| Net loans and leases to deposits | 64.2372% | 4,475 |
| Net loans and leases to core deposits | 66.4324% | 4,601 |
| Total domestic deposits to total assets | 84.1914% | 3,860 |
| Equity capital to assets | 10.9932% | 2,884 |
| Core capital (leverage) ratio | 9.4959% | 4,335 |
| Tier 1 risk-based capital ratio | 16.4115% | 2,873 |
| Total risk-based capital ratio | 17.2151% | 3,045 |
| Memoranda: | ||
| Average total assets | $38,921,670 | 6,196 |
| Average earning assets | $34,770,000 | 6,200 |
| Average equity | $4,146,670 | 6,166 |
| Average total loans | $21,180,670 | 6,025 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,953 |
| Cost of funding earning assets | 0.3559% | 4,480 |
| Net interest margin | 3.8230% | 2,376 |
| Noninterest income to average assets | 0.6334% | 2,552 |
| Noninterest expense to average assets | 3.4736% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5313% | 4,551 |
| Return on assets (ROA) | 0.5313% | 4,616 |
| Pretax return on assets | 0.5619% | 4,979 |
| Return on Equity (ROE) | 5.0658% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.6761% | 3,313 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0759% | 1,445 |
| Assets per employee ($millions) | 3.0922% | 5,707 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 5,922 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 5,690 |
| Noncurrent loans to loans | 0.3450% | 5,079 |
| Net loans and leases to total assets | 51.4540% | 4,731 |
| Net loans and leases to deposits | 60.5450% | 4,705 |
| Net loans and leases to core deposits | 62.5008% | 4,828 |
| Total domestic deposits to total assets | 84.9847% | 3,876 |
| Equity capital to assets | 10.2863% | 3,493 |
| Core capital (leverage) ratio | 9.1578% | 4,778 |
| Tier 1 risk-based capital ratio | 15.8065% | 3,263 |
| Total risk-based capital ratio | 16.6237% | 3,461 |
| Memoranda: | ||
| Average total assets | $39,152,500 | 6,254 |
| Average earning assets | $34,841,500 | 6,259 |
| Average equity | $4,106,000 | 6,221 |
| Average total loans | $21,281,500 | 6,081 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 3,304 |
| Cost of funding earning assets | 0.4125% | 4,511 |
| Net interest margin | 3.8002% | 2,658 |
| Noninterest income to average assets | 0.9045% | 1,664 |
| Noninterest expense to average assets | 3.4062% | 1,870 |
| Loan and lease loss provision to assets | 0.2144% | 1,705 |
| Net operating income to assets | 0.5934% | 4,295 |
| Return on assets (ROA) | 0.5934% | 4,408 |
| Pretax return on assets | 0.5830% | 4,922 |
| Return on Equity (ROE) | 5.6696% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.3449% | 2,387 |
| Net charge-offs to loans | 0.6760% | 959 |
| Credit loss provision to net charge-offs | 59.4203% | 3,582 |
| Earnings coverage of net charge-offs (x) | 2.2101% | 4,286 |
| Efficiency ratio | 80.3483% | 2,096 |
| Assets per employee ($millions) | 2.9312% | 5,936 |
| Cash dividends to net income (ytd only)* | 5.7269% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 6,062 |
| Loan loss allowance to noncurrent loans | 162.8319% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 5,378 |
| Noncurrent loans to loans | 0.5209% | 4,688 |
| Net loans and leases to total assets | 56.4504% | 4,253 |
| Net loans and leases to deposits | 69.2607% | 3,878 |
| Net loans and leases to core deposits | 71.0943% | 4,176 |
| Total domestic deposits to total assets | 81.5042% | 5,034 |
| Equity capital to assets | 10.6991% | 2,935 |
| Core capital (leverage) ratio | 9.2315% | 4,671 |
| Tier 1 risk-based capital ratio | 15.3345% | 3,460 |
| Total risk-based capital ratio | 16.1395% | 3,673 |
| Memoranda: | ||
| Average total assets | $38,253,600 | 6,338 |
| Average earning assets | $33,208,600 | 6,368 |
| Average equity | $4,003,800 | 6,324 |
| Average total loans | $20,413,400 | 6,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,203 |
| Cost of funding earning assets | 0.4225% | 4,585 |
| Net interest margin | 3.8271% | 2,551 |
| Noninterest income to average assets | 0.8287% | 2,012 |
| Noninterest expense to average assets | 3.3532% | 1,935 |
| Loan and lease loss provision to assets | 0.1532% | 2,352 |
| Net operating income to assets | 0.4596% | 4,980 |
| Return on assets (ROA) | 0.4596% | 5,124 |
| Pretax return on assets | 0.6024% | 5,001 |
| Return on Equity (ROE) | 4.4160% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,731 |
| Net charge-offs to loans | -0.0066% | 5,825 |
| Credit loss provision to net charge-offs | -4,400.0000% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7627% | 2,003 |
| Assets per employee ($millions) | 2.9645% | 5,902 |
| Cash dividends to net income (ytd only)* | 6.0625% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,006 |
| Loan loss allowance to noncurrent loans | 137.0192% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 4,832 |
| Noncurrent loans to loans | 1.0033% | 3,801 |
| Net loans and leases to total assets | 53.0541% | 4,745 |
| Net loans and leases to deposits | 62.8315% | 4,650 |
| Net loans and leases to core deposits | 64.4151% | 4,859 |
| Total domestic deposits to total assets | 84.4387% | 4,012 |
| Equity capital to assets | 10.3249% | 3,475 |
| Core capital (leverage) ratio | 9.1892% | 4,851 |
| Tier 1 risk-based capital ratio | 15.5800% | 3,426 |
| Total risk-based capital ratio | 16.8318% | 3,385 |
| Memoranda: | ||
| Average total assets | $38,290,500 | 6,407 |
| Average earning assets | $32,817,750 | 6,451 |
| Average equity | $3,985,500 | 6,407 |
| Average total loans | $20,093,000 | 6,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,195 |
| Cost of funding earning assets | 0.4342% | 4,617 |
| Net interest margin | 3.8035% | 2,545 |
| Noninterest income to average assets | 0.7119% | 2,582 |
| Noninterest expense to average assets | 3.3501% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5392% | 4,613 |
| Return on assets (ROA) | 0.5392% | 4,780 |
| Pretax return on assets | 0.6177% | 4,959 |
| Return on Equity (ROE) | 5.1659% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.9653% | 3,077 |
| Net charge-offs to loans | -0.0201% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3773% | 1,706 |
| Assets per employee ($millions) | 2.7455% | 6,228 |
| Cash dividends to net income (ytd only)* | 3.8835% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,057 |
| Loan loss allowance to noncurrent loans | 424.5614% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,051 |
| Noncurrent loans to loans | 0.2795% | 5,605 |
| Net loans and leases to total assets | 52.4182% | 4,802 |
| Net loans and leases to deposits | 62.2332% | 4,708 |
| Net loans and leases to core deposits | 63.8100% | 4,913 |
| Total domestic deposits to total assets | 84.2287% | 4,226 |
| Equity capital to assets | 10.3780% | 3,455 |
| Core capital (leverage) ratio | 8.9250% | 5,110 |
| Tier 1 risk-based capital ratio | 15.1457% | 3,682 |
| Total risk-based capital ratio | 16.2320% | 3,756 |
| Memoranda: | ||
| Average total assets | $38,208,000 | 6,448 |
| Average earning assets | $32,707,000 | 6,499 |
| Average equity | $3,987,670 | 6,455 |
| Average total loans | $19,880,330 | 6,310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,384 |
| Cost of funding earning assets | 0.4400% | 4,705 |
| Net interest margin | 3.7401% | 2,701 |
| Noninterest income to average assets | 0.6930% | 2,629 |
| Noninterest expense to average assets | 3.4967% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4095% | 5,090 |
| Return on assets (ROA) | 0.4095% | 5,240 |
| Pretax return on assets | 0.4095% | 5,536 |
| Return on Equity (ROE) | 3.9127% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.9127% | 3,883 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9032% | 1,338 |
| Assets per employee ($millions) | 2.8004% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 5,065 |
| Loan loss allowance to noncurrent loans | 18.8088% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.2547% | 1,338 |
| Noncurrent loans to loans | 6.5145% | 491 |
| Net loans and leases to total assets | 49.3483% | 5,073 |
| Net loans and leases to deposits | 58.5687% | 4,963 |
| Net loans and leases to core deposits | 60.0223% | 5,149 |
| Total domestic deposits to total assets | 84.2571% | 4,371 |
| Equity capital to assets | 10.2206% | 3,881 |
| Core capital (leverage) ratio | 8.7536% | 5,252 |
| Tier 1 risk-based capital ratio | 15.3595% | 3,617 |
| Total risk-based capital ratio | 16.4629% | 3,648 |
| Memoranda: | ||
| Average total assets | $38,093,500 | 6,516 |
| Average earning assets | $32,726,500 | 6,560 |
| Average equity | $3,987,000 | 6,524 |
| Average total loans | $19,625,500 | 6,378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 4,324 |
| Cost of funding earning assets | 0.4910% | 5,282 |
| Net interest margin | 3.7774% | 3,328 |
| Noninterest income to average assets | 0.8139% | 2,200 |
| Noninterest expense to average assets | 3.6819% | 1,449 |
| Loan and lease loss provision to assets | 0.2645% | 2,528 |
| Net operating income to assets | 0.2182% | 5,738 |
| Return on assets (ROA) | 0.2182% | 5,925 |
| Pretax return on assets | 0.1464% | 6,075 |
| Return on Equity (ROE) | 2.1251% | 5,863 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,733 |
| Net charge-offs to loans | 0.5840% | 1,980 |
| Credit loss provision to net charge-offs | 87.2881% | 3,582 |
| Earnings coverage of net charge-offs (x) | 1.3559% | 4,778 |
| Efficiency ratio | 86.0100% | 1,431 |
| Assets per employee ($millions) | 2.6416% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 5,020 |
| Loan loss allowance to noncurrent loans | 190.4762% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 5,657 |
| Noncurrent loans to loans | 0.6408% | 4,916 |
| Net loans and leases to total assets | 52.5228% | 4,837 |
| Net loans and leases to deposits | 63.1572% | 4,642 |
| Net loans and leases to core deposits | 64.8439% | 4,857 |
| Total domestic deposits to total assets | 83.1621% | 4,652 |
| Equity capital to assets | 10.7268% | 3,247 |
| Core capital (leverage) ratio | 8.6949% | 5,335 |
| Tier 1 risk-based capital ratio | 15.7930% | 3,269 |
| Total risk-based capital ratio | 16.9419% | 3,279 |
| Memoranda: | ||
| Average total assets | $38,947,200 | 6,536 |
| Average earning assets | $33,806,000 | 6,560 |
| Average equity | $3,999,800 | 6,567 |
| Average total loans | $20,206,600 | 6,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 4,504 |
| Cost of funding earning assets | 0.5000% | 5,436 |
| Net interest margin | 3.7854% | 3,400 |
| Noninterest income to average assets | 0.8215% | 2,154 |
| Noninterest expense to average assets | 3.4652% | 1,845 |
| Loan and lease loss provision to assets | 0.3482% | 1,879 |
| Net operating income to assets | 0.2704% | 5,717 |
| Return on assets (ROA) | 0.2704% | 5,910 |
| Pretax return on assets | 0.2840% | 5,988 |
| Return on Equity (ROE) | 2.6612% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.6612% | 4,965 |
| Net charge-offs to loans | 0.7669% | 1,442 |
| Credit loss provision to net charge-offs | 88.0342% | 3,358 |
| Earnings coverage of net charge-offs (x) | 1.5983% | 4,484 |
| Efficiency ratio | 80.6931% | 1,988 |
| Assets per employee ($millions) | 2.7529% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,342 |
| Loan loss allowance to noncurrent loans | 181.2030% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 5,821 |
| Noncurrent loans to loans | 0.6553% | 5,138 |
| Net loans and leases to total assets | 52.0394% | 5,038 |
| Net loans and leases to deposits | 62.3147% | 4,931 |
| Net loans and leases to core deposits | 63.9031% | 5,159 |
| Total domestic deposits to total assets | 83.5106% | 4,430 |
| Equity capital to assets | 10.5345% | 3,804 |
| Core capital (leverage) ratio | 8.5562% | 5,682 |
| Tier 1 risk-based capital ratio | 14.7195% | 4,033 |
| Total risk-based capital ratio | 15.7909% | 4,129 |
| Memoranda: | ||
| Average total assets | $39,438,500 | 6,600 |
| Average earning assets | $34,130,500 | 6,635 |
| Average equity | $4,008,000 | 6,641 |
| Average total loans | $20,342,250 | 6,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 4,716 |
| Cost of funding earning assets | 0.5094% | 5,563 |
| Net interest margin | 3.7529% | 3,575 |
| Noninterest income to average assets | 0.6895% | 2,720 |
| Noninterest expense to average assets | 3.3922% | 2,047 |
| Loan and lease loss provision to assets | 0.5184% | 1,210 |
| Net operating income to assets | 0.0956% | 6,174 |
| Return on assets (ROA) | 0.0956% | 6,324 |
| Pretax return on assets | 0.0050% | 6,441 |
| Return on Equity (ROE) | 0.9522% | 6,306 |
| Retained earnings to average equity (ytd only) | 0.9522% | 5,689 |
| Net charge-offs to loans | 1.2084% | 892 |
| Credit loss provision to net charge-offs | 83.7398% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.8455% | 4,634 |
| Efficiency ratio | 82.6478% | 1,793 |
| Assets per employee ($millions) | 2.8083% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,346 |
| Loan loss allowance to noncurrent loans | 157.7181% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,835 |
| Noncurrent loans to loans | 0.7612% | 4,987 |
| Net loans and leases to total assets | 49.1886% | 5,458 |
| Net loans and leases to deposits | 58.5409% | 5,393 |
| Net loans and leases to core deposits | 59.9938% | 5,589 |
| Total domestic deposits to total assets | 84.0243% | 4,309 |
| Equity capital to assets | 10.1765% | 4,085 |
| Core capital (leverage) ratio | 8.5127% | 5,636 |
| Tier 1 risk-based capital ratio | 14.7985% | 3,897 |
| Total risk-based capital ratio | 15.8798% | 3,978 |
| Memoranda: | ||
| Average total assets | $39,738,000 | 6,640 |
| Average earning assets | $34,160,330 | 6,684 |
| Average equity | $3,990,670 | 6,683 |
| Average total loans | $20,357,330 | 6,551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 5,093 |
| Cost of funding earning assets | 0.5168% | 5,707 |
| Net interest margin | 3.6862% | 3,897 |
| Noninterest income to average assets | 0.6809% | 2,752 |
| Noninterest expense to average assets | 3.2341% | 2,493 |
| Loan and lease loss provision to assets | 0.2303% | 2,643 |
| Net operating income to assets | 0.2703% | 5,747 |
| Return on assets (ROA) | 0.2703% | 5,911 |
| Pretax return on assets | 0.4305% | 5,641 |
| Return on Equity (ROE) | 2.7098% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.7098% | 4,906 |
| Net charge-offs to loans | -0.0386% | 6,443 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1774% | 2,320 |
| Assets per employee ($millions) | 2.8253% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,755 |
| Loan loss allowance to noncurrent loans | 189.1892% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 5,945 |
| Noncurrent loans to loans | 0.7204% | 5,220 |
| Net loans and leases to total assets | 51.2287% | 5,117 |
| Net loans and leases to deposits | 61.0258% | 5,041 |
| Net loans and leases to core deposits | 62.5324% | 5,271 |
| Total domestic deposits to total assets | 83.9460% | 4,520 |
| Equity capital to assets | 10.1380% | 3,936 |
| Core capital (leverage) ratio | 8.2762% | 5,911 |
| Tier 1 risk-based capital ratio | 13.2987% | 4,986 |
| Total risk-based capital ratio | 14.4454% | 5,042 |
| Memoranda: | ||
| Average total assets | $39,949,000 | 6,688 |
| Average earning assets | $34,833,000 | 6,713 |
| Average equity | $3,985,500 | 6,718 |
| Average total loans | $20,749,000 | 6,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 5,483 |
| Cost of funding earning assets | 0.6998% | 5,542 |
| Net interest margin | 3.6847% | 4,367 |
| Noninterest income to average assets | 0.7273% | 2,462 |
| Noninterest expense to average assets | 3.3966% | 2,252 |
| Loan and lease loss provision to assets | 1.1572% | 775 |
| Net operating income to assets | -0.3943% | 6,414 |
| Return on assets (ROA) | -0.1400% | 6,266 |
| Pretax return on assets | -0.2574% | 6,327 |
| Return on Equity (ROE) | -1.3933% | 6,286 |
| Retained earnings to average equity (ytd only) | -1.3933% | 6,074 |
| Net charge-offs to loans | 3.1975% | 278 |
| Credit loss provision to net charge-offs | 70.1515% | 4,844 |
| Earnings coverage of net charge-offs (x) | 0.3045% | 5,598 |
| Efficiency ratio | 83.1410% | 1,869 |
| Assets per employee ($millions) | 2.8817% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,310 |
| Loan loss allowance to noncurrent loans | 150.8876% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 5,925 |
| Noncurrent loans to loans | 0.8065% | 5,077 |
| Net loans and leases to total assets | 51.3087% | 5,426 |
| Net loans and leases to deposits | 60.8537% | 5,387 |
| Net loans and leases to core deposits | 62.3194% | 5,622 |
| Total domestic deposits to total assets | 84.3149% | 4,176 |
| Equity capital to assets | 9.8181% | 4,419 |
| Core capital (leverage) ratio | 8.2037% | 5,990 |
| Tier 1 risk-based capital ratio | 13.0132% | 5,060 |
| Total risk-based capital ratio | 14.0571% | 5,214 |
| Memoranda: | ||
| Average total assets | $40,010,400 | 6,676 |
| Average earning assets | $34,439,600 | 6,735 |
| Average equity | $4,019,200 | 6,746 |
| Average total loans | $20,641,000 | 6,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 5,701 |
| Cost of funding earning assets | 0.7486% | 5,474 |
| Net interest margin | 3.6228% | 4,685 |
| Noninterest income to average assets | 0.7413% | 2,360 |
| Noninterest expense to average assets | 3.3694% | 2,282 |
| Loan and lease loss provision to assets | 1.2990% | 578 |
| Net operating income to assets | -0.4567% | 6,617 |
| Return on assets (ROA) | -0.1169% | 6,383 |
| Pretax return on assets | -0.2772% | 6,476 |
| Return on Equity (ROE) | -1.1570% | 6,394 |
| Retained earnings to average equity (ytd only) | -1.1570% | 6,177 |
| Net charge-offs to loans | 4.2536% | 137 |
| Credit loss provision to net charge-offs | 59.2988% | 4,827 |
| Earnings coverage of net charge-offs (x) | 0.2241% | 5,429 |
| Efficiency ratio | 83.2180% | 1,824 |
| Assets per employee ($millions) | 2.7741% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,683 |
| Loan loss allowance to noncurrent loans | 102.2099% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 5,919 |
| Noncurrent loans to loans | 0.8504% | 5,168 |
| Net loans and leases to total assets | 54.3296% | 5,125 |
| Net loans and leases to deposits | 64.9311% | 5,057 |
| Net loans and leases to core deposits | 66.5699% | 5,357 |
| Total domestic deposits to total assets | 83.6728% | 4,388 |
| Equity capital to assets | 10.2995% | 3,951 |
| Core capital (leverage) ratio | 8.2023% | 6,129 |
| Tier 1 risk-based capital ratio | 14.5390% | 3,949 |
| Total risk-based capital ratio | 15.3801% | 4,225 |
| Memoranda: | ||
| Average total assets | $39,927,000 | 6,731 |
| Average earning assets | $34,373,500 | 6,797 |
| Average equity | $4,033,750 | 6,791 |
| Average total loans | $20,562,500 | 6,692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 5,762 |
| Cost of funding earning assets | 0.7901% | 5,450 |
| Net interest margin | 3.5901% | 4,756 |
| Noninterest income to average assets | 0.6354% | 2,922 |
| Noninterest expense to average assets | 3.3159% | 2,506 |
| Loan and lease loss provision to assets | 0.7247% | 1,290 |
| Net operating income to assets | -0.1042% | 6,356 |
| Return on assets (ROA) | -0.1042% | 6,408 |
| Pretax return on assets | -0.3375% | 6,554 |
| Return on Equity (ROE) | -1.0383% | 6,406 |
| Retained earnings to average equity (ytd only) | -1.0383% | 6,059 |
| Net charge-offs to loans | 1.3975% | 1,087 |
| Credit loss provision to net charge-offs | 102.8169% | 3,008 |
| Earnings coverage of net charge-offs (x) | 0.5493% | 4,893 |
| Efficiency ratio | 85.2547% | 1,675 |
| Assets per employee ($millions) | 2.9124% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 1,813 |
| Loan loss allowance to noncurrent loans | 69.9387% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.1975% | 2,986 |
| Noncurrent loans to loans | 3.2285% | 2,219 |
| Net loans and leases to total assets | 48.4108% | 6,011 |
| Net loans and leases to deposits | 57.6136% | 5,974 |
| Net loans and leases to core deposits | 58.9911% | 6,192 |
| Total domestic deposits to total assets | 84.0266% | 4,338 |
| Equity capital to assets | 10.0383% | 4,094 |
| Core capital (leverage) ratio | 8.2054% | 6,025 |
| Tier 1 risk-based capital ratio | 15.2839% | 3,358 |
| Total risk-based capital ratio | 16.5465% | 3,308 |
| Memoranda: | ||
| Average total assets | $40,290,330 | 6,778 |
| Average earning assets | $34,428,000 | 6,854 |
| Average equity | $4,045,000 | 6,836 |
| Average total loans | $20,321,670 | 6,764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 5,782 |
| Cost of funding earning assets | 0.8485% | 5,283 |
| Net interest margin | 3.5237% | 4,902 |
| Noninterest income to average assets | 0.5993% | 3,168 |
| Noninterest expense to average assets | 3.2960% | 2,569 |
| Loan and lease loss provision to assets | 0.2996% | 2,761 |
| Net operating income to assets | 0.0100% | 6,330 |
| Return on assets (ROA) | 0.0100% | 6,364 |
| Pretax return on assets | -0.0100% | 6,367 |
| Return on Equity (ROE) | 0.0995% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.0995% | 5,757 |
| Net charge-offs to loans | -0.0196% | 6,565 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4652% | 1,572 |
| Assets per employee ($millions) | 2.8972% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4334% | 1,558 |
| Loan loss allowance to noncurrent loans | 58.5455% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6355% | 2,609 |
| Noncurrent loans to loans | 4.1564% | 1,728 |
| Net loans and leases to total assets | 47.7454% | 6,111 |
| Net loans and leases to deposits | 56.9086% | 6,038 |
| Net loans and leases to core deposits | 58.2787% | 6,228 |
| Total domestic deposits to total assets | 83.8983% | 4,526 |
| Equity capital to assets | 9.9874% | 3,789 |
| Core capital (leverage) ratio | 8.3244% | 5,763 |
| Tier 1 risk-based capital ratio | 15.5687% | 3,127 |
| Total risk-based capital ratio | 16.8319% | 3,075 |
| Memoranda: | ||
| Average total assets | $40,048,500 | 6,834 |
| Average earning assets | $33,942,000 | 6,921 |
| Average equity | $4,021,000 | 6,880 |
| Average total loans | $20,385,000 | 6,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 4,907 |
| Cost of funding earning assets | 1.1756% | 4,696 |
| Net interest margin | 3.7483% | 4,158 |
| Noninterest income to average assets | 0.7308% | 2,645 |
| Noninterest expense to average assets | 3.4282% | 2,357 |
| Loan and lease loss provision to assets | 0.7917% | 2,064 |
| Net operating income to assets | -0.0812% | 5,961 |
| Return on assets (ROA) | -0.0812% | 6,032 |
| Pretax return on assets | -0.3096% | 6,168 |
| Return on Equity (ROE) | -0.7972% | 6,047 |
| Retained earnings to average equity (ytd only) | -0.7972% | 5,769 |
| Net charge-offs to loans | 1.3530% | 1,650 |
| Credit loss provision to net charge-offs | 106.1224% | 4,217 |
| Earnings coverage of net charge-offs (x) | 0.6463% | 5,464 |
| Efficiency ratio | 83.5821% | 1,971 |
| Assets per employee ($millions) | 2.8240% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 1,948 |
| Loan loss allowance to noncurrent loans | 45.2452% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.1440% | 2,254 |
| Noncurrent loans to loans | 4.7751% | 1,448 |
| Net loans and leases to total assets | 51.7731% | 5,946 |
| Net loans and leases to deposits | 62.5199% | 5,788 |
| Net loans and leases to core deposits | 64.0858% | 6,046 |
| Total domestic deposits to total assets | 82.8106% | 4,874 |
| Equity capital to assets | 10.0946% | 3,624 |
| Core capital (leverage) ratio | 8.4820% | 5,397 |
| Tier 1 risk-based capital ratio | 14.1918% | 3,741 |
| Total risk-based capital ratio | 15.4531% | 3,691 |
| Memoranda: | ||
| Average total assets | $39,408,400 | 6,882 |
| Average earning assets | $33,428,600 | 6,967 |
| Average equity | $4,014,000 | 6,996 |
| Average total loans | $21,730,000 | 6,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 4,726 |
| Cost of funding earning assets | 1.2266% | 4,707 |
| Net interest margin | 3.7914% | 4,005 |
| Noninterest income to average assets | 0.7483% | 2,515 |
| Noninterest expense to average assets | 3.3860% | 2,335 |
| Loan and lease loss provision to assets | 1.0564% | 1,395 |
| Net operating income to assets | -0.3081% | 6,434 |
| Return on assets (ROA) | -0.3081% | 6,478 |
| Pretax return on assets | -0.4707% | 6,528 |
| Return on Equity (ROE) | -3.0183% | 6,492 |
| Retained earnings to average equity (ytd only) | -3.0183% | 6,355 |
| Net charge-offs to loans | 1.1976% | 1,703 |
| Credit loss provision to net charge-offs | 158.3756% | 2,407 |
| Earnings coverage of net charge-offs (x) | 0.8782% | 5,167 |
| Efficiency ratio | 81.2447% | 2,163 |
| Assets per employee ($millions) | 2.7406% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5804% | 1,237 |
| Loan loss allowance to noncurrent loans | 94.4923% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 3,268 |
| Noncurrent loans to loans | 2.7308% | 2,912 |
| Net loans and leases to total assets | 54.0216% | 5,847 |
| Net loans and leases to deposits | 65.9004% | 5,671 |
| Net loans and leases to core deposits | 67.6204% | 5,979 |
| Total domestic deposits to total assets | 81.9746% | 5,007 |
| Equity capital to assets | 10.6156% | 3,394 |
| Core capital (leverage) ratio | 8.4051% | 5,690 |
| Tier 1 risk-based capital ratio | 14.3170% | 3,622 |
| Total risk-based capital ratio | 15.5827% | 3,574 |
| Memoranda: | ||
| Average total assets | $39,376,500 | 6,968 |
| Average earning assets | $33,478,250 | 7,046 |
| Average equity | $4,019,750 | 7,086 |
| Average total loans | $21,932,250 | 6,917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 4,680 |
| Cost of funding earning assets | 1.2711% | 4,709 |
| Net interest margin | 3.7832% | 3,971 |
| Noninterest income to average assets | 0.6698% | 2,896 |
| Noninterest expense to average assets | 3.2584% | 2,699 |
| Loan and lease loss provision to assets | 1.3950% | 960 |
| Net operating income to assets | -0.5590% | 6,707 |
| Return on assets (ROA) | -0.5590% | 6,738 |
| Pretax return on assets | -0.8058% | 6,787 |
| Return on Equity (ROE) | -5.5472% | 6,745 |
| Retained earnings to average equity (ytd only) | -5.5472% | 6,616 |
| Net charge-offs to loans | 1.7697% | 1,050 |
| Credit loss provision to net charge-offs | 141.3265% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.5969% | 5,142 |
| Efficiency ratio | 80.6283% | 2,352 |
| Assets per employee ($millions) | 2.8607% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2960% | 1,590 |
| Loan loss allowance to noncurrent loans | 88.3362% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 2.0649% | 3,428 |
| Noncurrent loans to loans | 2.5992% | 3,038 |
| Net loans and leases to total assets | 54.7191% | 5,881 |
| Net loans and leases to deposits | 66.0230% | 5,800 |
| Net loans and leases to core deposits | 67.6535% | 6,087 |
| Total domestic deposits to total assets | 82.8789% | 4,619 |
| Equity capital to assets | 9.9576% | 4,065 |
| Core capital (leverage) ratio | 8.2216% | 5,907 |
| Tier 1 risk-based capital ratio | 13.3367% | 4,176 |
| Total risk-based capital ratio | 14.5987% | 4,132 |
| Memoranda: | ||
| Average total assets | $39,712,670 | 7,009 |
| Average earning assets | $33,357,670 | 7,100 |
| Average equity | $4,002,000 | 7,124 |
| Average total loans | $22,151,000 | 6,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 4,866 |
| Cost of funding earning assets | 1.3156% | 4,721 |
| Net interest margin | 3.7173% | 4,158 |
| Noninterest income to average assets | 0.6980% | 2,614 |
| Noninterest expense to average assets | 3.3279% | 2,441 |
| Loan and lease loss provision to assets | 2.2355% | 481 |
| Net operating income to assets | -1.2240% | 7,227 |
| Return on assets (ROA) | -1.2240% | 7,247 |
| Pretax return on assets | -1.7499% | 7,336 |
| Return on Equity (ROE) | -12.0728% | 7,217 |
| Retained earnings to average equity (ytd only) | -12.0728% | 7,070 |
| Net charge-offs to loans | 3.5436% | 396 |
| Credit loss provision to net charge-offs | 113.3333% | 3,063 |
| Earnings coverage of net charge-offs (x) | 0.2462% | 4,824 |
| Efficiency ratio | 83.0239% | 2,140 |
| Assets per employee ($millions) | 2.8247% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1580% | 1,836 |
| Loan loss allowance to noncurrent loans | 79.3103% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.0836% | 3,409 |
| Noncurrent loans to loans | 2.7210% | 2,935 |
| Net loans and leases to total assets | 52.7386% | 6,191 |
| Net loans and leases to deposits | 63.9206% | 6,058 |
| Net loans and leases to core deposits | 65.5272% | 6,327 |
| Total domestic deposits to total assets | 82.5064% | 4,849 |
| Equity capital to assets | 10.0516% | 3,797 |
| Core capital (leverage) ratio | 8.1172% | 6,041 |
| Tier 1 risk-based capital ratio | 13.5140% | 3,974 |
| Total risk-based capital ratio | 14.7731% | 3,932 |
| Memoranda: | ||
| Average total assets | $39,544,000 | 7,104 |
| Average earning assets | $33,142,000 | 7,198 |
| Average equity | $4,009,000 | 7,186 |
| Average total loans | $22,011,500 | 7,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 4,614 |
| Cost of funding earning assets | 1.5779% | 5,139 |
| Net interest margin | 3.8387% | 3,536 |
| Noninterest income to average assets | 0.7698% | 2,557 |
| Noninterest expense to average assets | 3.6950% | 1,923 |
| Loan and lease loss provision to assets | 0.3002% | 5,031 |
| Net operating income to assets | 0.3618% | 4,283 |
| Return on assets (ROA) | 0.5286% | 3,706 |
| Pretax return on assets | 0.3746% | 4,567 |
| Return on Equity (ROE) | 5.3368% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.8187% | 1,913 |
| Net charge-offs to loans | 0.6932% | 3,106 |
| Credit loss provision to net charge-offs | 70.4819% | 6,482 |
| Earnings coverage of net charge-offs (x) | 1.1928% | 4,930 |
| Efficiency ratio | 84.0659% | 2,341 |
| Assets per employee ($millions) | 2.8244% | 6,618 |
| Cash dividends to net income (ytd only)* | 9.7087% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 2,233 |
| Loan loss allowance to noncurrent loans | 943.4783% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 5,647 |
| Noncurrent loans to loans | 0.2026% | 6,918 |
| Net loans and leases to total assets | 56.3274% | 5,905 |
| Net loans and leases to deposits | 68.4607% | 5,775 |
| Net loans and leases to core deposits | 79.3679% | 6,157 |
| Total domestic deposits to total assets | 82.2771% | 4,826 |
| Equity capital to assets | 10.2246% | 3,486 |
| Core capital (leverage) ratio | 8.7537% | 4,831 |
| Tier 1 risk-based capital ratio | 13.5892% | 3,765 |
| Total risk-based capital ratio | 14.8456% | 3,701 |
| Memoranda: | ||
| Average total assets | $38,971,400 | 7,136 |
| Average earning assets | $34,855,600 | 7,143 |
| Average equity | $3,860,000 | 7,340 |
| Average total loans | $23,948,200 | 6,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 4,828 |
| Cost of funding earning assets | 1.6210% | 5,304 |
| Net interest margin | 3.8037% | 3,640 |
| Noninterest income to average assets | 0.6799% | 3,157 |
| Noninterest expense to average assets | 3.6707% | 1,884 |
| Loan and lease loss provision to assets | 0.3537% | 4,204 |
| Net operating income to assets | 0.1408% | 5,351 |
| Return on assets (ROA) | 0.1408% | 5,416 |
| Pretax return on assets | 0.0962% | 5,536 |
| Return on Equity (ROE) | 1.4333% | 5,360 |
| Retained earnings to average equity (ytd only) | 0.7341% | 4,877 |
| Net charge-offs to loans | 0.9124% | 2,142 |
| Credit loss provision to net charge-offs | 62.0482% | 6,136 |
| Earnings coverage of net charge-offs (x) | 0.7891% | 5,265 |
| Efficiency ratio | 85.0833% | 2,173 |
| Assets per employee ($millions) | 2.7624% | 6,714 |
| Cash dividends to net income (ytd only)* | 48.7836% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,328 |
| Loan loss allowance to noncurrent loans | 3,230.7692% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 5,814 |
| Noncurrent loans to loans | 0.0552% | 7,370 |
| Net loans and leases to total assets | 59.7781% | 5,617 |
| Net loans and leases to deposits | 72.9136% | 5,521 |
| Net loans and leases to core deposits | 84.0227% | 6,036 |
| Total domestic deposits to total assets | 81.9848% | 4,685 |
| Equity capital to assets | 10.2578% | 3,779 |
| Core capital (leverage) ratio | 8.5511% | 5,398 |
| Tier 1 risk-based capital ratio | 13.1180% | 4,111 |
| Total risk-based capital ratio | 14.3740% | 4,042 |
| Memoranda: | ||
| Average total assets | $38,828,750 | 7,205 |
| Average earning assets | $35,122,500 | 7,200 |
| Average equity | $3,814,250 | 7,411 |
| Average total loans | $24,258,500 | 7,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 4,742 |
| Cost of funding earning assets | 1.6723% | 5,405 |
| Net interest margin | 3.8054% | 3,535 |
| Noninterest income to average assets | 0.6121% | 3,585 |
| Noninterest expense to average assets | 3.6985% | 1,843 |
| Loan and lease loss provision to assets | 0.5298% | 2,905 |
| Net operating income to assets | -0.0772% | 5,966 |
| Return on assets (ROA) | -0.0772% | 6,028 |
| Pretax return on assets | -0.1749% | 6,094 |
| Return on Equity (ROE) | -0.7972% | 6,048 |
| Retained earnings to average equity (ytd only) | -1.8601% | 5,704 |
| Net charge-offs to loans | 1.2327% | 1,493 |
| Credit loss provision to net charge-offs | 68.2119% | 5,452 |
| Earnings coverage of net charge-offs (x) | 0.4570% | 5,244 |
| Efficiency ratio | 87.1827% | 2,109 |
| Assets per employee ($millions) | 2.8070% | 6,608 |
| Cash dividends to net income (ytd only)* | -133.3333% | 8,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 2,038 |
| Loan loss allowance to noncurrent loans | 196.8326% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 4,574 |
| Noncurrent loans to loans | 0.9158% | 5,383 |
| Net loans and leases to total assets | 60.3008% | 5,628 |
| Net loans and leases to deposits | 72.9520% | 5,612 |
| Net loans and leases to core deposits | 83.6020% | 6,117 |
| Total domestic deposits to total assets | 82.6582% | 4,396 |
| Equity capital to assets | 9.5730% | 4,520 |
| Core capital (leverage) ratio | 8.1863% | 6,002 |
| Tier 1 risk-based capital ratio | 12.2513% | 4,719 |
| Total risk-based capital ratio | 13.5085% | 4,626 |
| Memoranda: | ||
| Average total assets | $38,880,670 | 7,263 |
| Average earning assets | $35,160,670 | 7,255 |
| Average equity | $3,763,330 | 7,492 |
| Average total loans | $24,498,670 | 7,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 5,215 |
| Cost of funding earning assets | 1.7386% | 5,431 |
| Net interest margin | 3.7045% | 3,871 |
| Noninterest income to average assets | 0.5275% | 4,079 |
| Noninterest expense to average assets | 3.6098% | 1,847 |
| Loan and lease loss provision to assets | 1.0654% | 1,230 |
| Net operating income to assets | -0.3517% | 6,739 |
| Return on assets (ROA) | -0.3517% | 6,817 |
| Pretax return on assets | -0.7758% | 7,020 |
| Return on Equity (ROE) | -3.6132% | 6,849 |
| Retained earnings to average equity (ytd only) | -4.6759% | 6,511 |
| Net charge-offs to loans | 2.3985% | 600 |
| Credit loss provision to net charge-offs | 69.5946% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.1892% | 4,831 |
| Efficiency ratio | 88.3289% | 1,868 |
| Assets per employee ($millions) | 2.7993% | 6,641 |
| Cash dividends to net income (ytd only)* | -29.4118% | 8,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 1,954 |
| Loan loss allowance to noncurrent loans | 87.7756% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 4,131 |
| Noncurrent loans to loans | 2.0072% | 3,254 |
| Net loans and leases to total assets | 62.3195% | 5,268 |
| Net loans and leases to deposits | 75.4891% | 5,295 |
| Net loans and leases to core deposits | 87.5690% | 5,777 |
| Total domestic deposits to total assets | 82.5542% | 4,353 |
| Equity capital to assets | 9.6377% | 4,469 |
| Core capital (leverage) ratio | 8.2059% | 6,088 |
| Tier 1 risk-based capital ratio | 11.9632% | 4,990 |
| Total risk-based capital ratio | 13.2182% | 4,885 |
| Memoranda: | ||
| Average total assets | $38,672,000 | 7,313 |
| Average earning assets | $35,200,500 | 7,296 |
| Average equity | $3,764,000 | 7,535 |
| Average total loans | $24,682,000 | 7,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2146% | 4,436 |
| Cost of funding earning assets | 2.2068% | 5,568 |
| Net interest margin | 4.0079% | 3,075 |
| Noninterest income to average assets | 0.4488% | 5,045 |
| Noninterest expense to average assets | 3.2711% | 3,070 |
| Loan and lease loss provision to assets | 4.2372% | 148 |
| Net operating income to assets | -2.5332% | 7,718 |
| Return on assets (ROA) | -3.4968% | 7,892 |
| Pretax return on assets | -4.6201% | 7,979 |
| Return on Equity (ROE) | -29.6317% | 7,950 |
| Retained earnings to average equity (ytd only) | -30.5127% | 7,922 |
| Net charge-offs to loans | 5.5585% | 75 |
| Credit loss provision to net charge-offs | 117.0168% | 4,610 |
| Earnings coverage of net charge-offs (x) | 0.2444% | 6,085 |
| Efficiency ratio | 75.2898% | 3,357 |
| Assets per employee ($millions) | 2.7253% | 6,729 |
| Cash dividends to net income (ytd only)* | -2.9732% | 7,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,280 |
| Loan loss allowance to noncurrent loans | 129.4906% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 4,388 |
| Noncurrent loans to loans | 1.5223% | 3,504 |
| Net loans and leases to total assets | 62.9554% | 5,460 |
| Net loans and leases to deposits | 76.3509% | 5,550 |
| Net loans and leases to core deposits | 87.8888% | 5,987 |
| Total domestic deposits to total assets | 82.4553% | 4,019 |
| Equity capital to assets | 9.8312% | 4,251 |
| Core capital (leverage) ratio | 8.7417% | 5,124 |
| Tier 1 risk-based capital ratio | 12.5073% | 4,429 |
| Total risk-based capital ratio | 13.7647% | 4,329 |
| Memoranda: | ||
| Average total assets | $39,436,600 | 7,240 |
| Average earning assets | $36,478,400 | 7,215 |
| Average equity | $4,653,800 | 7,273 |
| Average total loans | $25,690,200 | 6,988 |