Home > The Peoples National Bank of Mount Pleasant > Performance and Condition Ratios
The Peoples National Bank of Mount Pleasant, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 2,318 |
| Cost of funding earning assets | 0.4502% | 4,271 |
| Net interest margin | 4.2524% | 1,199 |
| Noninterest income to average assets | 0.1443% | 4,756 |
| Noninterest expense to average assets | 2.8627% | 2,402 |
| Loan and lease loss provision to assets | 0.1951% | 1,041 |
| Net operating income to assets | 0.9088% | 3,172 |
| Return on assets (ROA) | 0.9088% | 3,266 |
| Pretax return on assets | 1.2269% | 2,742 |
| Return on Equity (ROE) | 8.2753% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.9329% | 3,562 |
| Net charge-offs to loans | 0.1746% | 1,156 |
| Credit loss provision to net charge-offs | 156.9892% | 1,642 |
| Earnings coverage of net charge-offs (x) | 11.4409% | 2,496 |
| Efficiency ratio | 66.8122% | 2,641 |
| Assets per employee ($millions) | 2.7698% | 4,921 |
| Cash dividends to net income (ytd only)* | 64.5588% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 4,293 |
| Loan loss allowance to noncurrent loans | 414.9533% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 3,697 |
| Noncurrent loans to loans | 0.1936% | 3,764 |
| Net loans and leases to total assets | 76.1345% | 1,390 |
| Net loans and leases to deposits | 90.1407% | 1,574 |
| Net loans and leases to core deposits | 92.5134% | 2,200 |
| Total domestic deposits to total assets | 84.4618% | 2,700 |
| Equity capital to assets | 11.4641% | 2,560 |
| Core capital (leverage) ratio | 11.2840% | 2,262 |
| Tier 1 risk-based capital ratio | 19.3349% | 1,451 |
| Total risk-based capital ratio | 20.3769% | 1,463 |
| Memoranda: | ||
| Average total assets | $74,825,400 | 4,363 |
| Average earning assets | $72,853,600 | 4,299 |
| Average equity | $8,217,200 | 4,484 |
| Average total loans | $53,271,600 | 4,118 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,527 |
| Cost of funding earning assets | 0.4320% | 4,394 |
| Net interest margin | 4.2277% | 1,312 |
| Noninterest income to average assets | 0.1412% | 4,831 |
| Noninterest expense to average assets | 2.7733% | 2,644 |
| Loan and lease loss provision to assets | 0.1571% | 1,198 |
| Net operating income to assets | 1.0415% | 2,812 |
| Return on assets (ROA) | 1.0415% | 2,901 |
| Pretax return on assets | 1.3222% | 2,591 |
| Return on Equity (ROE) | 9.5845% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.7831% | 2,468 |
| Net charge-offs to loans | 0.1086% | 1,378 |
| Credit loss provision to net charge-offs | 206.9767% | 1,275 |
| Earnings coverage of net charge-offs (x) | 19.4891% | 1,999 |
| Efficiency ratio | 65.2138% | 2,823 |
| Assets per employee ($millions) | 2.7845% | 4,981 |
| Cash dividends to net income (ytd only)* | 39.6606% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,396 |
| Loan loss allowance to noncurrent loans | 469.8925% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 3,895 |
| Noncurrent loans to loans | 0.1715% | 3,923 |
| Net loans and leases to total assets | 74.3208% | 1,748 |
| Net loans and leases to deposits | 85.8369% | 2,213 |
| Net loans and leases to core deposits | 88.0233% | 2,727 |
| Total domestic deposits to total assets | 86.5837% | 1,730 |
| Equity capital to assets | 11.5599% | 2,621 |
| Core capital (leverage) ratio | 11.4313% | 2,280 |
| Tier 1 risk-based capital ratio | 19.8423% | 1,389 |
| Total risk-based capital ratio | 20.8802% | 1,399 |
| Memoranda: | ||
| Average total assets | $75,527,750 | 4,409 |
| Average earning assets | $73,451,000 | 4,347 |
| Average equity | $8,207,500 | 4,535 |
| Average total loans | $52,771,250 | 4,174 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 2,735 |
| Cost of funding earning assets | 0.4162% | 4,447 |
| Net interest margin | 4.1645% | 1,441 |
| Noninterest income to average assets | 0.1410% | 4,865 |
| Noninterest expense to average assets | 2.7138% | 2,862 |
| Loan and lease loss provision to assets | 0.1828% | 976 |
| Net operating income to assets | 1.0134% | 2,867 |
| Return on assets (ROA) | 1.0134% | 2,947 |
| Pretax return on assets | 1.2955% | 2,574 |
| Return on Equity (ROE) | 9.5172% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.4624% | 1,219 |
| Net charge-offs to loans | 0.0918% | 1,443 |
| Credit loss provision to net charge-offs | 291.6667% | 923 |
| Earnings coverage of net charge-offs (x) | 23.5833% | 1,648 |
| Efficiency ratio | 64.7352% | 3,012 |
| Assets per employee ($millions) | 2.9882% | 4,919 |
| Cash dividends to net income (ytd only)* | 11.0825% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,352 |
| Loan loss allowance to noncurrent loans | 856.8627% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,214 |
| Noncurrent loans to loans | 0.0960% | 4,251 |
| Net loans and leases to total assets | 70.4982% | 2,459 |
| Net loans and leases to deposits | 80.2184% | 2,927 |
| Net loans and leases to core deposits | 81.6689% | 3,289 |
| Total domestic deposits to total assets | 87.8828% | 1,153 |
| Equity capital to assets | 11.1922% | 2,868 |
| Core capital (leverage) ratio | 10.8259% | 2,765 |
| Tier 1 risk-based capital ratio | 19.8364% | 1,383 |
| Total risk-based capital ratio | 20.8754% | 1,389 |
| Memoranda: | ||
| Average total assets | $76,571,330 | 4,428 |
| Average earning assets | $74,486,670 | 4,361 |
| Average equity | $8,153,670 | 4,565 |
| Average total loans | $52,280,670 | 4,210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 3,166 |
| Cost of funding earning assets | 0.4030% | 4,470 |
| Net interest margin | 4.0139% | 1,810 |
| Noninterest income to average assets | 0.1342% | 4,927 |
| Noninterest expense to average assets | 2.6631% | 3,022 |
| Loan and lease loss provision to assets | 0.2735% | 499 |
| Net operating income to assets | 0.8516% | 3,446 |
| Return on assets (ROA) | 0.8516% | 3,489 |
| Pretax return on assets | 1.1044% | 3,136 |
| Return on Equity (ROE) | 8.1988% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.1553% | 1,979 |
| Net charge-offs to loans | 0.2005% | 699 |
| Credit loss provision to net charge-offs | 203.8462% | 1,039 |
| Earnings coverage of net charge-offs (x) | 10.2692% | 1,970 |
| Efficiency ratio | 65.9004% | 2,950 |
| Assets per employee ($millions) | 2.8294% | 5,057 |
| Cash dividends to net income (ytd only)* | 12.7273% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,537 |
| Loan loss allowance to noncurrent loans | 373.2143% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 3,919 |
| Noncurrent loans to loans | 0.2132% | 3,825 |
| Net loans and leases to total assets | 65.7949% | 3,085 |
| Net loans and leases to deposits | 74.0840% | 3,442 |
| Net loans and leases to core deposits | 76.0679% | 3,656 |
| Total domestic deposits to total assets | 88.8112% | 956 |
| Equity capital to assets | 10.2673% | 3,557 |
| Core capital (leverage) ratio | 10.5753% | 2,966 |
| Tier 1 risk-based capital ratio | 19.4426% | 1,454 |
| Total risk-based capital ratio | 20.4409% | 1,475 |
| Memoranda: | ||
| Average total assets | $77,505,000 | 4,461 |
| Average earning assets | $75,437,000 | 4,382 |
| Average equity | $8,050,000 | 4,615 |
| Average total loans | $51,870,000 | 4,265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,803 |
| Cost of funding earning assets | 0.3922% | 4,031 |
| Net interest margin | 3.9954% | 1,997 |
| Noninterest income to average assets | 0.1353% | 5,029 |
| Noninterest expense to average assets | 2.8510% | 2,514 |
| Loan and lease loss provision to assets | 0.1903% | 1,004 |
| Net operating income to assets | 0.6807% | 4,200 |
| Return on assets (ROA) | 0.6807% | 4,202 |
| Pretax return on assets | 0.9555% | 3,742 |
| Return on Equity (ROE) | 6.2146% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.0823% | 2,720 |
| Net charge-offs to loans | 0.1786% | 1,078 |
| Credit loss provision to net charge-offs | 156.9767% | 1,767 |
| Earnings coverage of net charge-offs (x) | 9.4535% | 2,809 |
| Efficiency ratio | 71.3329% | 1,993 |
| Assets per employee ($millions) | 2.6134% | 5,174 |
| Cash dividends to net income (ytd only)* | 18.2195% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,639 |
| Loan loss allowance to noncurrent loans | 312.8000% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,804 |
| Noncurrent loans to loans | 0.2442% | 3,711 |
| Net loans and leases to total assets | 67.0383% | 2,996 |
| Net loans and leases to deposits | 75.7104% | 3,370 |
| Net loans and leases to core deposits | 77.8282% | 3,596 |
| Total domestic deposits to total assets | 88.5457% | 1,051 |
| Equity capital to assets | 10.5109% | 3,179 |
| Core capital (leverage) ratio | 10.7935% | 2,743 |
| Tier 1 risk-based capital ratio | 19.6535% | 1,370 |
| Total risk-based capital ratio | 20.6143% | 1,396 |
| Memoranda: | ||
| Average total assets | $70,958,600 | 4,565 |
| Average earning assets | $68,579,400 | 4,519 |
| Average equity | $7,772,000 | 4,638 |
| Average total loans | $48,163,800 | 4,351 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,768 |
| Cost of funding earning assets | 0.3822% | 3,982 |
| Net interest margin | 3.9762% | 2,025 |
| Noninterest income to average assets | 0.1376% | 5,084 |
| Noninterest expense to average assets | 2.8080% | 2,611 |
| Loan and lease loss provision to assets | 0.1797% | 1,008 |
| Net operating income to assets | 0.7378% | 4,118 |
| Return on assets (ROA) | 0.7378% | 4,127 |
| Pretax return on assets | 0.9882% | 3,753 |
| Return on Equity (ROE) | 6.6634% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.5242% | 2,941 |
| Net charge-offs to loans | 0.1378% | 1,179 |
| Credit loss provision to net charge-offs | 191.8367% | 1,431 |
| Earnings coverage of net charge-offs (x) | 12.4698% | 2,448 |
| Efficiency ratio | 70.6250% | 2,101 |
| Assets per employee ($millions) | 2.6752% | 5,222 |
| Cash dividends to net income (ytd only)* | 17.0990% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 4,611 |
| Loan loss allowance to noncurrent loans | 314.6341% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,886 |
| Noncurrent loans to loans | 0.2552% | 3,778 |
| Net loans and leases to total assets | 66.1918% | 3,156 |
| Net loans and leases to deposits | 75.1320% | 3,493 |
| Net loans and leases to core deposits | 79.1481% | 3,561 |
| Total domestic deposits to total assets | 88.1007% | 1,200 |
| Equity capital to assets | 10.8956% | 2,758 |
| Core capital (leverage) ratio | 11.1408% | 2,466 |
| Tier 1 risk-based capital ratio | 20.1896% | 1,301 |
| Total risk-based capital ratio | 21.1758% | 1,315 |
| Memoranda: | ||
| Average total assets | $69,751,250 | 4,631 |
| Average earning assets | $67,331,750 | 4,583 |
| Average equity | $7,723,500 | 4,694 |
| Average total loans | $47,405,250 | 4,409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 2,587 |
| Cost of funding earning assets | 0.3754% | 3,909 |
| Net interest margin | 3.9735% | 1,945 |
| Noninterest income to average assets | 0.1335% | 5,142 |
| Noninterest expense to average assets | 2.7595% | 2,809 |
| Loan and lease loss provision to assets | 0.1567% | 1,200 |
| Net operating income to assets | 0.7980% | 3,862 |
| Return on assets (ROA) | 0.7980% | 3,862 |
| Pretax return on assets | 1.0562% | 3,489 |
| Return on Equity (ROE) | 7.1664% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.0459% | 2,535 |
| Net charge-offs to loans | 0.1315% | 1,134 |
| Credit loss provision to net charge-offs | 174.1935% | 1,431 |
| Earnings coverage of net charge-offs (x) | 13.4839% | 2,147 |
| Efficiency ratio | 69.4668% | 2,403 |
| Assets per employee ($millions) | 2.5718% | 5,313 |
| Cash dividends to net income (ytd only)* | 15.6364% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,803 |
| Loan loss allowance to noncurrent loans | 570.3125% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,319 |
| Noncurrent loans to loans | 0.1339% | 4,305 |
| Net loans and leases to total assets | 68.3156% | 2,825 |
| Net loans and leases to deposits | 77.9483% | 3,168 |
| Net loans and leases to core deposits | 80.9008% | 3,332 |
| Total domestic deposits to total assets | 87.6422% | 1,568 |
| Equity capital to assets | 11.2215% | 2,436 |
| Core capital (leverage) ratio | 11.2435% | 2,307 |
| Tier 1 risk-based capital ratio | 20.5460% | 1,237 |
| Total risk-based capital ratio | 21.5031% | 1,254 |
| Memoranda: | ||
| Average total assets | $68,924,670 | 4,698 |
| Average earning assets | $66,590,670 | 4,649 |
| Average equity | $7,674,670 | 4,752 |
| Average total loans | $47,141,000 | 4,460 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,561 |
| Cost of funding earning assets | 0.3801% | 3,736 |
| Net interest margin | 3.9099% | 2,011 |
| Noninterest income to average assets | 0.1398% | 5,169 |
| Noninterest expense to average assets | 2.7728% | 2,793 |
| Loan and lease loss provision to assets | 0.2039% | 810 |
| Net operating income to assets | 0.6641% | 4,230 |
| Return on assets (ROA) | 0.6641% | 4,236 |
| Pretax return on assets | 0.9378% | 3,735 |
| Return on Equity (ROE) | 5.9874% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.8845% | 3,231 |
| Net charge-offs to loans | 0.0940% | 1,232 |
| Credit loss provision to net charge-offs | 318.1818% | 785 |
| Earnings coverage of net charge-offs (x) | 17.8182% | 1,560 |
| Efficiency ratio | 70.8333% | 2,370 |
| Assets per employee ($millions) | 2.5821% | 5,372 |
| Cash dividends to net income (ytd only)* | 18.4211% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,865 |
| Loan loss allowance to noncurrent loans | 475.3247% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,312 |
| Noncurrent loans to loans | 0.1621% | 4,252 |
| Net loans and leases to total assets | 67.6057% | 2,813 |
| Net loans and leases to deposits | 76.9577% | 3,118 |
| Net loans and leases to core deposits | 81.2313% | 3,218 |
| Total domestic deposits to total assets | 87.8478% | 1,703 |
| Equity capital to assets | 10.9745% | 2,610 |
| Core capital (leverage) ratio | 11.2169% | 2,232 |
| Tier 1 risk-based capital ratio | 20.2826% | 1,299 |
| Total risk-based capital ratio | 21.2473% | 1,318 |
| Memoranda: | ||
| Average total assets | $68,668,000 | 4,761 |
| Average earning assets | $66,293,000 | 4,710 |
| Average equity | $7,616,000 | 4,808 |
| Average total loans | $46,810,500 | 4,512 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,218 |
| Cost of funding earning assets | 0.3307% | 3,868 |
| Net interest margin | 4.0063% | 1,733 |
| Noninterest income to average assets | 0.1427% | 5,232 |
| Noninterest expense to average assets | 3.0142% | 2,136 |
| Loan and lease loss provision to assets | 0.0737% | 2,734 |
| Net operating income to assets | 0.5426% | 4,251 |
| Return on assets (ROA) | 0.5426% | 4,284 |
| Pretax return on assets | 0.9111% | 3,880 |
| Return on Equity (ROE) | 4.6320% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.4271% | 3,233 |
| Net charge-offs to loans | 0.0932% | 2,147 |
| Credit loss provision to net charge-offs | 117.5000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 15.7000% | 2,229 |
| Efficiency ratio | 75.3725% | 1,707 |
| Assets per employee ($millions) | 2.5044% | 5,456 |
| Cash dividends to net income (ytd only)* | 26.0116% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 4,974 |
| Loan loss allowance to noncurrent loans | 427.5000% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,542 |
| Noncurrent loans to loans | 0.1734% | 4,232 |
| Net loans and leases to total assets | 67.7033% | 2,864 |
| Net loans and leases to deposits | 77.3681% | 3,183 |
| Net loans and leases to core deposits | 82.3177% | 3,222 |
| Total domestic deposits to total assets | 87.5081% | 1,760 |
| Equity capital to assets | 11.2112% | 2,418 |
| Core capital (leverage) ratio | 11.3899% | 2,023 |
| Tier 1 risk-based capital ratio | 20.7817% | 1,180 |
| Total risk-based capital ratio | 21.7166% | 1,204 |
| Memoranda: | ||
| Average total assets | $63,765,800 | 4,882 |
| Average earning assets | $61,377,600 | 4,829 |
| Average equity | $7,469,800 | 4,868 |
| Average total loans | $42,895,600 | 4,647 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,216 |
| Cost of funding earning assets | 0.3133% | 3,999 |
| Net interest margin | 4.0047% | 1,685 |
| Noninterest income to average assets | 0.1486% | 5,264 |
| Noninterest expense to average assets | 3.0402% | 1,996 |
| Loan and lease loss provision to assets | 0.0701% | 2,679 |
| Net operating income to assets | 0.5668% | 4,522 |
| Return on assets (ROA) | 0.5668% | 4,559 |
| Pretax return on assets | 0.8917% | 4,068 |
| Return on Equity (ROE) | 4.7835% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.5832% | 3,786 |
| Net charge-offs to loans | 0.0982% | 1,798 |
| Credit loss provision to net charge-offs | 106.4516% | 2,189 |
| Earnings coverage of net charge-offs (x) | 14.6136% | 2,285 |
| Efficiency ratio | 75.9682% | 1,598 |
| Assets per employee ($millions) | 2.5183% | 5,518 |
| Cash dividends to net income (ytd only)* | 25.0934% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,986 |
| Loan loss allowance to noncurrent loans | 534.9206% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 4,757 |
| Noncurrent loans to loans | 0.1434% | 4,480 |
| Net loans and leases to total assets | 66.6046% | 3,025 |
| Net loans and leases to deposits | 76.4538% | 3,329 |
| Net loans and leases to core deposits | 80.7757% | 3,386 |
| Total domestic deposits to total assets | 87.1174% | 1,816 |
| Equity capital to assets | 11.5325% | 2,329 |
| Core capital (leverage) ratio | 11.6952% | 1,891 |
| Tier 1 risk-based capital ratio | 21.5119% | 1,113 |
| Total risk-based capital ratio | 22.4728% | 1,143 |
| Memoranda: | ||
| Average total assets | $62,802,250 | 4,958 |
| Average earning assets | $60,427,000 | 4,901 |
| Average equity | $7,442,000 | 4,916 |
| Average total loans | $42,088,750 | 4,713 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,137 |
| Cost of funding earning assets | 0.2959% | 4,125 |
| Net interest margin | 4.0012% | 1,600 |
| Noninterest income to average assets | 0.1389% | 5,360 |
| Noninterest expense to average assets | 2.9623% | 2,223 |
| Loan and lease loss provision to assets | 0.0808% | 2,369 |
| Net operating income to assets | 0.6299% | 4,165 |
| Return on assets (ROA) | 0.6299% | 4,214 |
| Pretax return on assets | 0.9401% | 3,795 |
| Return on Equity (ROE) | 5.2662% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.0510% | 3,296 |
| Net charge-offs to loans | 0.1254% | 1,407 |
| Credit loss provision to net charge-offs | 96.1538% | 2,085 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 2,217 |
| Efficiency ratio | 74.3715% | 1,945 |
| Assets per employee ($millions) | 2.4404% | 5,579 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,969 |
| Loan loss allowance to noncurrent loans | 485.5072% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,764 |
| Noncurrent loans to loans | 0.1633% | 4,463 |
| Net loans and leases to total assets | 66.0757% | 3,093 |
| Net loans and leases to deposits | 76.2384% | 3,317 |
| Net loans and leases to core deposits | 79.9516% | 3,422 |
| Total domestic deposits to total assets | 86.6698% | 2,103 |
| Equity capital to assets | 11.8219% | 2,063 |
| Core capital (leverage) ratio | 11.7873% | 1,776 |
| Tier 1 risk-based capital ratio | 22.4318% | 997 |
| Total risk-based capital ratio | 23.4345% | 1,010 |
| Memoranda: | ||
| Average total assets | $61,911,000 | 5,018 |
| Average earning assets | $59,482,000 | 4,964 |
| Average equity | $7,405,670 | 4,942 |
| Average total loans | $41,469,330 | 4,761 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,066 |
| Cost of funding earning assets | 0.2800% | 4,258 |
| Net interest margin | 3.9819% | 1,517 |
| Noninterest income to average assets | 0.1308% | 5,462 |
| Noninterest expense to average assets | 3.0225% | 2,104 |
| Loan and lease loss provision to assets | 0.1505% | 1,227 |
| Net operating income to assets | 0.4710% | 4,703 |
| Return on assets (ROA) | 0.4710% | 4,728 |
| Pretax return on assets | 0.7720% | 4,209 |
| Return on Equity (ROE) | 3.9141% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.6094% | 4,095 |
| Net charge-offs to loans | 0.2337% | 771 |
| Credit loss provision to net charge-offs | 95.8333% | 1,645 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,250 |
| Efficiency ratio | 76.6169% | 1,815 |
| Assets per employee ($millions) | 2.1525% | 5,714 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 5,026 |
| Loan loss allowance to noncurrent loans | 191.9540% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 4,096 |
| Noncurrent loans to loans | 0.4249% | 3,572 |
| Net loans and leases to total assets | 65.0738% | 3,105 |
| Net loans and leases to deposits | 75.1434% | 3,289 |
| Net loans and leases to core deposits | 76.7100% | 3,588 |
| Total domestic deposits to total assets | 86.5995% | 2,403 |
| Equity capital to assets | 11.8338% | 1,955 |
| Core capital (leverage) ratio | 12.2240% | 1,485 |
| Tier 1 risk-based capital ratio | 22.0328% | 1,083 |
| Total risk-based capital ratio | 23.0283% | 1,086 |
| Memoranda: | ||
| Average total assets | $61,141,500 | 5,091 |
| Average earning assets | $58,565,500 | 5,035 |
| Average equity | $7,358,000 | 4,991 |
| Average total loans | $41,074,000 | 4,811 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 1,575 |
| Cost of funding earning assets | 0.3655% | 3,365 |
| Net interest margin | 4.1208% | 1,331 |
| Noninterest income to average assets | 0.2427% | 4,976 |
| Noninterest expense to average assets | 3.2344% | 1,718 |
| Loan and lease loss provision to assets | 0.1493% | 1,670 |
| Net operating income to assets | 0.4904% | 4,674 |
| Return on assets (ROA) | 0.4904% | 4,745 |
| Pretax return on assets | 0.8196% | 4,135 |
| Return on Equity (ROE) | 3.9849% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.8129% | 3,901 |
| Net charge-offs to loans | 0.2202% | 1,254 |
| Credit loss provision to net charge-offs | 98.8764% | 2,631 |
| Earnings coverage of net charge-offs (x) | 6.4157% | 3,177 |
| Efficiency ratio | 76.9479% | 1,858 |
| Assets per employee ($millions) | 2.0641% | 5,787 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 5,074 |
| Loan loss allowance to noncurrent loans | 179.1444% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 4,026 |
| Noncurrent loans to loans | 0.4540% | 3,524 |
| Net loans and leases to total assets | 68.2559% | 2,732 |
| Net loans and leases to deposits | 79.2836% | 2,968 |
| Net loans and leases to core deposits | 81.3451% | 3,278 |
| Total domestic deposits to total assets | 86.0909% | 2,540 |
| Equity capital to assets | 12.2436% | 1,662 |
| Core capital (leverage) ratio | 12.3512% | 1,404 |
| Tier 1 risk-based capital ratio | 22.0395% | 1,078 |
| Total risk-based capital ratio | 23.0448% | 1,085 |
| Memoranda: | ||
| Average total assets | $58,929,600 | 5,165 |
| Average earning assets | $56,639,000 | 5,115 |
| Average equity | $7,252,400 | 5,051 |
| Average total loans | $40,424,000 | 4,864 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 1,533 |
| Cost of funding earning assets | 0.3824% | 3,205 |
| Net interest margin | 4.1211% | 1,337 |
| Noninterest income to average assets | 0.1567% | 5,491 |
| Noninterest expense to average assets | 3.2278% | 1,720 |
| Loan and lease loss provision to assets | 0.1545% | 1,506 |
| Net operating income to assets | 0.4611% | 4,831 |
| Return on assets (ROA) | 0.4611% | 4,911 |
| Pretax return on assets | 0.7405% | 4,497 |
| Return on Equity (ROE) | 3.7419% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.5622% | 4,376 |
| Net charge-offs to loans | 0.2618% | 894 |
| Credit loss provision to net charge-offs | 86.0759% | 2,586 |
| Earnings coverage of net charge-offs (x) | 4.9874% | 3,192 |
| Efficiency ratio | 78.2920% | 1,649 |
| Assets per employee ($millions) | 2.1214% | 5,843 |
| Cash dividends to net income (ytd only)* | 31.5266% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 5,218 |
| Loan loss allowance to noncurrent loans | 99.6933% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,263 |
| Noncurrent loans to loans | 0.7917% | 2,694 |
| Net loans and leases to total assets | 68.7750% | 2,689 |
| Net loans and leases to deposits | 79.9871% | 2,962 |
| Net loans and leases to core deposits | 83.1150% | 3,208 |
| Total domestic deposits to total assets | 85.9827% | 2,362 |
| Equity capital to assets | 12.2883% | 1,904 |
| Core capital (leverage) ratio | 12.4364% | 1,427 |
| Tier 1 risk-based capital ratio | 21.7437% | 1,164 |
| Total risk-based capital ratio | 22.7144% | 1,182 |
| Memoranda: | ||
| Average total assets | $58,697,000 | 5,211 |
| Average earning assets | $56,487,750 | 5,159 |
| Average equity | $7,233,250 | 5,103 |
| Average total loans | $40,231,750 | 4,911 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,515 |
| Cost of funding earning assets | 0.4019% | 3,021 |
| Net interest margin | 4.0972% | 1,368 |
| Noninterest income to average assets | 0.1608% | 5,517 |
| Noninterest expense to average assets | 3.2328% | 1,736 |
| Loan and lease loss provision to assets | 0.0753% | 2,631 |
| Net operating income to assets | 0.5097% | 4,642 |
| Return on assets (ROA) | 0.5097% | 4,752 |
| Pretax return on assets | 0.7937% | 4,312 |
| Return on Equity (ROE) | 4.1324% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.9676% | 4,026 |
| Net charge-offs to loans | 0.1653% | 1,346 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 7.6970% | 2,603 |
| Efficiency ratio | 78.8157% | 1,674 |
| Assets per employee ($millions) | 2.0653% | 5,927 |
| Cash dividends to net income (ytd only)* | 28.1879% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 5,262 |
| Loan loss allowance to noncurrent loans | 345.7447% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 4,857 |
| Noncurrent loans to loans | 0.2338% | 4,504 |
| Net loans and leases to total assets | 68.9643% | 2,639 |
| Net loans and leases to deposits | 79.7265% | 2,964 |
| Net loans and leases to core deposits | 82.8968% | 3,182 |
| Total domestic deposits to total assets | 86.5011% | 2,169 |
| Equity capital to assets | 12.5772% | 1,723 |
| Core capital (leverage) ratio | 12.4536% | 1,381 |
| Tier 1 risk-based capital ratio | 22.1066% | 1,124 |
| Total risk-based capital ratio | 23.0980% | 1,136 |
| Memoranda: | ||
| Average total assets | $58,463,330 | 5,278 |
| Average earning assets | $56,233,330 | 5,218 |
| Average equity | $7,211,330 | 5,156 |
| Average total loans | $39,917,000 | 4,972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,501 |
| Cost of funding earning assets | 0.4104% | 2,955 |
| Net interest margin | 4.0903% | 1,368 |
| Noninterest income to average assets | 0.1565% | 5,553 |
| Noninterest expense to average assets | 3.1370% | 1,999 |
| Loan and lease loss provision to assets | 0.0749% | 2,465 |
| Net operating income to assets | 0.5308% | 4,500 |
| Return on assets (ROA) | 0.5308% | 4,608 |
| Pretax return on assets | 0.8778% | 3,942 |
| Return on Equity (ROE) | 4.3451% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.1753% | 3,920 |
| Net charge-offs to loans | 0.1710% | 1,113 |
| Credit loss provision to net charge-offs | 64.7059% | 1,944 |
| Earnings coverage of net charge-offs (x) | 8.2353% | 2,073 |
| Efficiency ratio | 76.7055% | 2,082 |
| Assets per employee ($millions) | 2.0793% | 5,977 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 5,287 |
| Loan loss allowance to noncurrent loans | 230.7692% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 4,573 |
| Noncurrent loans to loans | 0.3587% | 4,145 |
| Net loans and leases to total assets | 67.9045% | 2,659 |
| Net loans and leases to deposits | 77.6013% | 3,046 |
| Net loans and leases to core deposits | 81.0688% | 3,228 |
| Total domestic deposits to total assets | 87.5043% | 1,925 |
| Equity capital to assets | 12.3892% | 1,758 |
| Core capital (leverage) ratio | 12.2387% | 1,472 |
| Tier 1 risk-based capital ratio | 21.9888% | 1,159 |
| Total risk-based capital ratio | 22.9948% | 1,178 |
| Memoranda: | ||
| Average total assets | $58,781,500 | 5,318 |
| Average earning assets | $56,524,500 | 5,250 |
| Average equity | $7,180,500 | 5,194 |
| Average total loans | $39,773,000 | 5,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,247 |
| Cost of funding earning assets | 0.4137% | 3,011 |
| Net interest margin | 3.8781% | 2,104 |
| Noninterest income to average assets | 0.2362% | 5,180 |
| Noninterest expense to average assets | 3.2760% | 1,772 |
| Loan and lease loss provision to assets | 0.1239% | 1,939 |
| Net operating income to assets | 0.3172% | 5,307 |
| Return on assets (ROA) | 0.3172% | 5,394 |
| Pretax return on assets | 0.5683% | 4,937 |
| Return on Equity (ROE) | 2.7040% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.4506% | 4,901 |
| Net charge-offs to loans | 0.1240% | 2,130 |
| Credit loss provision to net charge-offs | 163.0435% | 1,644 |
| Earnings coverage of net charge-offs (x) | 9.1087% | 2,862 |
| Efficiency ratio | 82.5562% | 1,331 |
| Assets per employee ($millions) | 2.1979% | 5,998 |
| Cash dividends to net income (ytd only)* | 46.3542% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 5,268 |
| Loan loss allowance to noncurrent loans | 170.2020% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,250 |
| Noncurrent loans to loans | 0.4990% | 3,692 |
| Net loans and leases to total assets | 66.3010% | 2,942 |
| Net loans and leases to deposits | 75.4357% | 3,326 |
| Net loans and leases to core deposits | 78.7073% | 3,474 |
| Total domestic deposits to total assets | 87.8907% | 1,688 |
| Equity capital to assets | 12.0452% | 1,923 |
| Core capital (leverage) ratio | 11.9941% | 1,619 |
| Tier 1 risk-based capital ratio | 21.8146% | 1,178 |
| Total risk-based capital ratio | 22.8431% | 1,188 |
| Memoranda: | ||
| Average total assets | $60,531,800 | 5,307 |
| Average earning assets | $58,250,800 | 5,233 |
| Average equity | $7,100,600 | 5,224 |
| Average total loans | $37,091,400 | 5,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 2,456 |
| Cost of funding earning assets | 0.4120% | 3,098 |
| Net interest margin | 3.8244% | 2,291 |
| Noninterest income to average assets | 0.2630% | 5,058 |
| Noninterest expense to average assets | 3.1914% | 1,992 |
| Loan and lease loss provision to assets | 0.1249% | 1,813 |
| Net operating income to assets | 0.3639% | 5,282 |
| Return on assets (ROA) | 0.3639% | 5,365 |
| Pretax return on assets | 0.6291% | 4,899 |
| Return on Equity (ROE) | 3.1223% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.8621% | 4,950 |
| Net charge-offs to loans | 0.0805% | 2,406 |
| Credit loss provision to net charge-offs | 259.0909% | 1,106 |
| Earnings coverage of net charge-offs (x) | 15.6379% | 2,167 |
| Efficiency ratio | 80.8889% | 1,534 |
| Assets per employee ($millions) | 2.2323% | 6,075 |
| Cash dividends to net income (ytd only)* | 40.3605% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 5,233 |
| Loan loss allowance to noncurrent loans | 217.8344% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 4,727 |
| Noncurrent loans to loans | 0.4089% | 4,143 |
| Net loans and leases to total assets | 63.1404% | 3,430 |
| Net loans and leases to deposits | 71.6766% | 3,805 |
| Net loans and leases to core deposits | 74.7134% | 3,938 |
| Total domestic deposits to total assets | 88.0907% | 1,508 |
| Equity capital to assets | 11.8563% | 2,210 |
| Core capital (leverage) ratio | 11.7704% | 1,839 |
| Tier 1 risk-based capital ratio | 22.0886% | 1,184 |
| Total risk-based capital ratio | 23.1461% | 1,188 |
| Memoranda: | ||
| Average total assets | $60,829,000 | 5,370 |
| Average earning assets | $58,570,250 | 5,288 |
| Average equity | $7,088,750 | 5,295 |
| Average total loans | $36,443,750 | 5,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,711 |
| Cost of funding earning assets | 0.4153% | 3,090 |
| Net interest margin | 3.7377% | 2,551 |
| Noninterest income to average assets | 0.3245% | 4,624 |
| Noninterest expense to average assets | 3.1140% | 2,203 |
| Loan and lease loss provision to assets | 0.1672% | 1,252 |
| Net operating income to assets | 0.3704% | 5,235 |
| Return on assets (ROA) | 0.3704% | 5,348 |
| Pretax return on assets | 0.6425% | 4,849 |
| Return on Equity (ROE) | 3.1968% | 5,340 |
| Retained earnings to average equity (ytd only) | 1.9803% | 4,714 |
| Net charge-offs to loans | 0.1509% | 1,582 |
| Credit loss provision to net charge-offs | 188.8889% | 1,292 |
| Earnings coverage of net charge-offs (x) | 9.1481% | 2,487 |
| Efficiency ratio | 79.3651% | 1,858 |
| Assets per employee ($millions) | 2.1911% | 6,173 |
| Cash dividends to net income (ytd only)* | 38.0531% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 5,322 |
| Loan loss allowance to noncurrent loans | 209.4937% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 4,799 |
| Noncurrent loans to loans | 0.4259% | 4,200 |
| Net loans and leases to total assets | 62.1444% | 3,525 |
| Net loans and leases to deposits | 70.6715% | 3,854 |
| Net loans and leases to core deposits | 72.6202% | 4,074 |
| Total domestic deposits to total assets | 87.9342% | 1,683 |
| Equity capital to assets | 12.0134% | 2,017 |
| Core capital (leverage) ratio | 11.5431% | 1,961 |
| Tier 1 risk-based capital ratio | 22.2487% | 1,164 |
| Total risk-based capital ratio | 23.2853% | 1,184 |
| Memoranda: | ||
| Average total assets | $61,014,670 | 5,420 |
| Average earning assets | $58,752,000 | 5,338 |
| Average equity | $7,069,670 | 5,342 |
| Average total loans | $35,792,330 | 5,266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,446 |
| Cost of funding earning assets | 0.4157% | 3,131 |
| Net interest margin | 3.5270% | 3,316 |
| Noninterest income to average assets | 0.1485% | 5,850 |
| Noninterest expense to average assets | 3.0867% | 2,312 |
| Loan and lease loss provision to assets | 0.0194% | 3,460 |
| Net operating income to assets | 0.2454% | 5,576 |
| Return on assets (ROA) | 0.2454% | 5,665 |
| Pretax return on assets | 0.4391% | 5,344 |
| Return on Equity (ROE) | 2.1557% | 5,652 |
| Retained earnings to average equity (ytd only) | 0.9077% | 5,103 |
| Net charge-offs to loans | 0.2618% | 918 |
| Credit loss provision to net charge-offs | 13.0435% | 2,414 |
| Earnings coverage of net charge-offs (x) | 3.0870% | 2,657 |
| Efficiency ratio | 87.0674% | 1,089 |
| Assets per employee ($millions) | 2.3838% | 6,163 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 5,206 |
| Loan loss allowance to noncurrent loans | 123.6162% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 4,288 |
| Noncurrent loans to loans | 0.7755% | 3,316 |
| Net loans and leases to total assets | 55.8383% | 4,222 |
| Net loans and leases to deposits | 63.0854% | 4,474 |
| Net loans and leases to core deposits | 64.7193% | 4,634 |
| Total domestic deposits to total assets | 88.5122% | 1,540 |
| Equity capital to assets | 11.4006% | 2,557 |
| Core capital (leverage) ratio | 11.2628% | 2,184 |
| Tier 1 risk-based capital ratio | 23.3866% | 1,063 |
| Total risk-based capital ratio | 24.4976% | 1,054 |
| Memoranda: | ||
| Average total assets | $61,942,500 | 5,453 |
| Average earning assets | $59,654,500 | 5,362 |
| Average equity | $7,051,000 | 5,395 |
| Average total loans | $35,141,000 | 5,322 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,628 |
| Cost of funding earning assets | 0.4617% | 3,056 |
| Net interest margin | 3.8320% | 2,504 |
| Noninterest income to average assets | 0.1618% | 5,890 |
| Noninterest expense to average assets | 3.0061% | 2,823 |
| Loan and lease loss provision to assets | 0.0674% | 3,141 |
| Net operating income to assets | 0.4499% | 5,022 |
| Return on assets (ROA) | 0.4499% | 5,113 |
| Pretax return on assets | 0.7667% | 4,377 |
| Return on Equity (ROE) | 3.8499% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.6243% | 4,376 |
| Net charge-offs to loans | 0.1750% | 2,274 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,907 |
| Efficiency ratio | 78.2799% | 2,168 |
| Assets per employee ($millions) | 2.2928% | 6,276 |
| Cash dividends to net income (ytd only)* | 31.8352% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,569 |
| Loan loss allowance to noncurrent loans | 95.9375% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 4,074 |
| Noncurrent loans to loans | 0.9055% | 3,053 |
| Net loans and leases to total assets | 56.5890% | 4,248 |
| Net loans and leases to deposits | 63.9737% | 4,528 |
| Net loans and leases to core deposits | 66.4391% | 4,637 |
| Total domestic deposits to total assets | 88.4567% | 1,543 |
| Equity capital to assets | 11.3656% | 2,545 |
| Core capital (leverage) ratio | 11.4141% | 2,050 |
| Tier 1 risk-based capital ratio | 22.9238% | 1,100 |
| Total risk-based capital ratio | 23.9240% | 1,107 |
| Memoranda: | ||
| Average total assets | $59,346,800 | 5,564 |
| Average earning assets | $56,967,000 | 5,487 |
| Average equity | $6,935,200 | 5,433 |
| Average total loans | $34,287,000 | 5,388 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,643 |
| Cost of funding earning assets | 0.4689% | 3,060 |
| Net interest margin | 3.8292% | 2,512 |
| Noninterest income to average assets | 0.1408% | 6,072 |
| Noninterest expense to average assets | 3.0456% | 2,654 |
| Loan and lease loss provision to assets | 0.0908% | 2,538 |
| Net operating income to assets | 0.4656% | 5,012 |
| Return on assets (ROA) | 0.4656% | 5,091 |
| Pretax return on assets | 0.6768% | 4,780 |
| Return on Equity (ROE) | 3.9556% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,658 |
| Net charge-offs to loans | 0.1567% | 2,243 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 8.4504% | 2,799 |
| Efficiency ratio | 79.8690% | 1,938 |
| Assets per employee ($millions) | 2.3636% | 6,322 |
| Cash dividends to net income (ytd only)* | 31.2187% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 5,363 |
| Loan loss allowance to noncurrent loans | 180.6630% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 5,087 |
| Noncurrent loans to loans | 0.5348% | 4,333 |
| Net loans and leases to total assets | 54.5416% | 4,513 |
| Net loans and leases to deposits | 61.6956% | 4,773 |
| Net loans and leases to core deposits | 64.0757% | 4,875 |
| Total domestic deposits to total assets | 88.4043% | 1,550 |
| Equity capital to assets | 11.3809% | 2,605 |
| Core capital (leverage) ratio | 11.2659% | 2,247 |
| Tier 1 risk-based capital ratio | 23.6053% | 1,036 |
| Total risk-based capital ratio | 24.7089% | 1,039 |
| Memoranda: | ||
| Average total assets | $58,707,000 | 5,644 |
| Average earning assets | $56,303,000 | 5,570 |
| Average equity | $6,910,000 | 5,486 |
| Average total loans | $34,024,000 | 5,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,605 |
| Cost of funding earning assets | 0.4733% | 3,084 |
| Net interest margin | 3.8190% | 2,489 |
| Noninterest income to average assets | 0.1315% | 6,159 |
| Noninterest expense to average assets | 3.0385% | 2,699 |
| Loan and lease loss provision to assets | 0.1384% | 1,793 |
| Net operating income to assets | 0.3980% | 5,229 |
| Return on assets (ROA) | 0.3980% | 5,303 |
| Pretax return on assets | 0.6125% | 4,915 |
| Return on Equity (ROE) | 3.3421% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.0924% | 4,852 |
| Net charge-offs to loans | 0.2406% | 1,603 |
| Credit loss provision to net charge-offs | 97.5610% | 2,051 |
| Earnings coverage of net charge-offs (x) | 5.2927% | 2,954 |
| Efficiency ratio | 80.1826% | 2,000 |
| Assets per employee ($millions) | 2.2426% | 6,426 |
| Cash dividends to net income (ytd only)* | 37.3913% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 5,495 |
| Loan loss allowance to noncurrent loans | 119.8529% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,655 |
| Noncurrent loans to loans | 0.8073% | 3,688 |
| Net loans and leases to total assets | 55.1041% | 4,395 |
| Net loans and leases to deposits | 62.3423% | 4,660 |
| Net loans and leases to core deposits | 64.7663% | 4,750 |
| Total domestic deposits to total assets | 88.3896% | 1,689 |
| Equity capital to assets | 11.4403% | 2,476 |
| Core capital (leverage) ratio | 11.8091% | 1,780 |
| Tier 1 risk-based capital ratio | 23.2700% | 1,072 |
| Total risk-based capital ratio | 24.3651% | 1,082 |
| Memoranda: | ||
| Average total assets | $57,791,330 | 5,717 |
| Average earning assets | $55,354,330 | 5,644 |
| Average equity | $6,882,000 | 5,514 |
| Average total loans | $34,083,670 | 5,487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 2,571 |
| Cost of funding earning assets | 0.4813% | 3,099 |
| Net interest margin | 3.8058% | 2,450 |
| Noninterest income to average assets | 0.0355% | 6,527 |
| Noninterest expense to average assets | 3.0702% | 2,621 |
| Loan and lease loss provision to assets | 0.2836% | 713 |
| Net operating income to assets | 0.2127% | 5,766 |
| Return on assets (ROA) | 0.2127% | 5,820 |
| Pretax return on assets | 0.3262% | 5,662 |
| Return on Equity (ROE) | 1.7494% | 5,854 |
| Retained earnings to average equity (ytd only) | 0.5248% | 5,374 |
| Net charge-offs to loans | 0.3734% | 964 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 2.6875% | 2,823 |
| Efficiency ratio | 83.4297% | 1,743 |
| Assets per employee ($millions) | 2.0981% | 6,546 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,553 |
| Loan loss allowance to noncurrent loans | 110.5611% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 4,545 |
| Noncurrent loans to loans | 0.8983% | 3,639 |
| Net loans and leases to total assets | 58.9543% | 3,707 |
| Net loans and leases to deposits | 67.1810% | 3,950 |
| Net loans and leases to core deposits | 69.6162% | 4,143 |
| Total domestic deposits to total assets | 87.7544% | 2,380 |
| Equity capital to assets | 12.1167% | 1,793 |
| Core capital (leverage) ratio | 12.0894% | 1,603 |
| Tier 1 risk-based capital ratio | 22.9550% | 1,152 |
| Total risk-based capital ratio | 24.0753% | 1,148 |
| Memoranda: | ||
| Average total assets | $56,412,500 | 5,799 |
| Average earning assets | $54,023,000 | 5,735 |
| Average equity | $6,859,500 | 5,554 |
| Average total loans | $34,280,000 | 5,528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 2,250 |
| Cost of funding earning assets | 0.5229% | 3,374 |
| Net interest margin | 3.9667% | 2,045 |
| Noninterest income to average assets | 0.2470% | 5,575 |
| Noninterest expense to average assets | 3.1091% | 2,706 |
| Loan and lease loss provision to assets | 0.4519% | 637 |
| Net operating income to assets | 0.2995% | 5,527 |
| Return on assets (ROA) | 0.2995% | 5,622 |
| Pretax return on assets | 0.4729% | 5,289 |
| Return on Equity (ROE) | 2.5100% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.7320% | 5,005 |
| Net charge-offs to loans | 0.6745% | 962 |
| Credit loss provision to net charge-offs | 111.2069% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.2759% | 4,257 |
| Efficiency ratio | 77.0734% | 2,609 |
| Assets per employee ($millions) | 2.0806% | 6,618 |
| Cash dividends to net income (ytd only)* | 30.9942% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 5,798 |
| Loan loss allowance to noncurrent loans | 93.9655% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 4,149 |
| Noncurrent loans to loans | 0.9992% | 3,516 |
| Net loans and leases to total assets | 61.4159% | 3,458 |
| Net loans and leases to deposits | 70.1026% | 3,771 |
| Net loans and leases to core deposits | 72.6520% | 3,995 |
| Total domestic deposits to total assets | 87.6086% | 2,413 |
| Equity capital to assets | 12.2027% | 1,681 |
| Core capital (leverage) ratio | 12.1901% | 1,501 |
| Tier 1 risk-based capital ratio | 21.9304% | 1,271 |
| Total risk-based capital ratio | 22.9765% | 1,283 |
| Memoranda: | ||
| Average total assets | $57,089,600 | 5,836 |
| Average earning assets | $54,503,600 | 5,746 |
| Average equity | $6,812,800 | 5,617 |
| Average total loans | $34,394,000 | 5,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 2,303 |
| Cost of funding earning assets | 0.5313% | 3,453 |
| Net interest margin | 3.9508% | 2,110 |
| Noninterest income to average assets | 0.2536% | 5,621 |
| Noninterest expense to average assets | 2.9751% | 3,065 |
| Loan and lease loss provision to assets | 0.4536% | 627 |
| Net operating income to assets | 0.3792% | 5,337 |
| Return on assets (ROA) | 0.3792% | 5,476 |
| Pretax return on assets | 0.5955% | 5,025 |
| Return on Equity (ROE) | 3.1950% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5677% | 4,787 |
| Net charge-offs to loans | 0.6689% | 902 |
| Credit loss provision to net charge-offs | 113.3721% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.6221% | 3,962 |
| Efficiency ratio | 73.9306% | 3,083 |
| Assets per employee ($millions) | 2.0691% | 6,684 |
| Cash dividends to net income (ytd only)* | 19.6337% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 5,910 |
| Loan loss allowance to noncurrent loans | 55.8621% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 3,411 |
| Noncurrent loans to loans | 1.7053% | 2,638 |
| Net loans and leases to total assets | 60.3007% | 3,651 |
| Net loans and leases to deposits | 68.8839% | 3,951 |
| Net loans and leases to core deposits | 71.3859% | 4,164 |
| Total domestic deposits to total assets | 87.5396% | 2,392 |
| Equity capital to assets | 12.2939% | 1,718 |
| Core capital (leverage) ratio | 12.1663% | 1,581 |
| Tier 1 risk-based capital ratio | 22.1964% | 1,285 |
| Total risk-based capital ratio | 23.2435% | 1,306 |
| Memoranda: | ||
| Average total assets | $57,318,000 | 5,894 |
| Average earning assets | $54,704,250 | 5,808 |
| Average equity | $6,802,250 | 5,692 |
| Average total loans | $34,285,500 | 5,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,324 |
| Cost of funding earning assets | 0.5362% | 3,536 |
| Net interest margin | 3.9308% | 2,108 |
| Noninterest income to average assets | 0.2630% | 5,578 |
| Noninterest expense to average assets | 3.0587% | 2,802 |
| Loan and lease loss provision to assets | 0.3702% | 882 |
| Net operating income to assets | 0.3668% | 5,344 |
| Return on assets (ROA) | 0.3668% | 5,516 |
| Pretax return on assets | 0.5882% | 5,058 |
| Return on Equity (ROE) | 3.1267% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.5073% | 4,703 |
| Net charge-offs to loans | 0.5294% | 1,248 |
| Credit loss provision to net charge-offs | 117.5824% | 1,889 |
| Earnings coverage of net charge-offs (x) | 3.0440% | 3,515 |
| Efficiency ratio | 76.1413% | 2,766 |
| Assets per employee ($millions) | 2.1877% | 6,685 |
| Cash dividends to net income (ytd only)* | 19.8113% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 6,063 |
| Loan loss allowance to noncurrent loans | 88.0556% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 4,439 |
| Noncurrent loans to loans | 1.0526% | 3,830 |
| Net loans and leases to total assets | 59.5721% | 3,737 |
| Net loans and leases to deposits | 67.8155% | 4,045 |
| Net loans and leases to core deposits | 70.2070% | 4,247 |
| Total domestic deposits to total assets | 87.8444% | 2,356 |
| Equity capital to assets | 11.9939% | 1,916 |
| Core capital (leverage) ratio | 11.8423% | 1,703 |
| Tier 1 risk-based capital ratio | 21.8388% | 1,313 |
| Total risk-based capital ratio | 22.8536% | 1,336 |
| Memoranda: | ||
| Average total assets | $57,802,330 | 5,919 |
| Average earning assets | $55,205,000 | 5,820 |
| Average equity | $6,780,330 | 5,739 |
| Average total loans | $34,377,000 | 5,649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 2,571 |
| Cost of funding earning assets | 0.5402% | 3,675 |
| Net interest margin | 3.8464% | 2,299 |
| Noninterest income to average assets | 0.2952% | 5,346 |
| Noninterest expense to average assets | 3.0276% | 2,895 |
| Loan and lease loss provision to assets | 0.4325% | 682 |
| Net operating income to assets | 0.3776% | 5,222 |
| Return on assets (ROA) | 0.3776% | 5,360 |
| Pretax return on assets | 0.5012% | 5,252 |
| Return on Equity (ROE) | 3.2547% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.6629% | 4,689 |
| Net charge-offs to loans | 0.6151% | 988 |
| Credit loss provision to net charge-offs | 118.8679% | 1,613 |
| Earnings coverage of net charge-offs (x) | 2.5660% | 3,001 |
| Efficiency ratio | 76.4298% | 2,858 |
| Assets per employee ($millions) | 2.2122% | 6,761 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,225 |
| Loan loss allowance to noncurrent loans | 77.7500% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 4,436 |
| Noncurrent loans to loans | 1.1760% | 3,810 |
| Net loans and leases to total assets | 58.5938% | 3,678 |
| Net loans and leases to deposits | 66.5666% | 3,977 |
| Net loans and leases to core deposits | 68.8963% | 4,194 |
| Total domestic deposits to total assets | 88.0229% | 2,294 |
| Equity capital to assets | 11.7911% | 2,183 |
| Core capital (leverage) ratio | 11.3798% | 1,959 |
| Tier 1 risk-based capital ratio | 21.4362% | 1,440 |
| Total risk-based capital ratio | 22.4192% | 1,472 |
| Memoranda: | ||
| Average total assets | $58,264,000 | 5,957 |
| Average earning assets | $55,532,500 | 5,859 |
| Average equity | $6,759,500 | 5,802 |
| Average total loans | $34,465,000 | 5,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 3,559 |
| Cost of funding earning assets | 0.6840% | 3,623 |
| Net interest margin | 3.7782% | 3,327 |
| Noninterest income to average assets | 0.2564% | 5,628 |
| Noninterest expense to average assets | 2.8336% | 3,899 |
| Loan and lease loss provision to assets | 0.6628% | 802 |
| Net operating income to assets | 0.1629% | 5,858 |
| Return on assets (ROA) | 0.1629% | 6,028 |
| Pretax return on assets | 0.3500% | 5,717 |
| Return on Equity (ROE) | 1.5010% | 6,016 |
| Retained earnings to average equity (ytd only) | -0.0743% | 5,858 |
| Net charge-offs to loans | 0.7764% | 1,510 |
| Credit loss provision to net charge-offs | 144.2105% | 1,893 |
| Earnings coverage of net charge-offs (x) | 2.2035% | 4,321 |
| Efficiency ratio | 73.6688% | 3,120 |
| Assets per employee ($millions) | 2.3604% | 6,740 |
| Cash dividends to net income (ytd only)* | 104.9505% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,367 |
| Loan loss allowance to noncurrent loans | 62.0619% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 4,246 |
| Noncurrent loans to loans | 1.3890% | 3,519 |
| Net loans and leases to total assets | 58.6612% | 3,861 |
| Net loans and leases to deposits | 66.3638% | 4,233 |
| Net loans and leases to core deposits | 68.6009% | 4,467 |
| Total domestic deposits to total assets | 88.3935% | 1,966 |
| Equity capital to assets | 11.4167% | 2,521 |
| Core capital (leverage) ratio | 11.2097% | 2,085 |
| Tier 1 risk-based capital ratio | 20.6006% | 1,548 |
| Total risk-based capital ratio | 21.5210% | 1,582 |
| Memoranda: | ||
| Average total assets | $62,006,600 | 5,871 |
| Average earning assets | $58,917,400 | 5,778 |
| Average equity | $6,729,000 | 5,837 |
| Average total loans | $36,709,800 | 5,647 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 3,811 |
| Cost of funding earning assets | 0.7185% | 3,609 |
| Net interest margin | 3.7358% | 3,629 |
| Noninterest income to average assets | 0.2040% | 6,069 |
| Noninterest expense to average assets | 2.8597% | 3,748 |
| Loan and lease loss provision to assets | 0.7542% | 655 |
| Net operating income to assets | 0.1105% | 6,107 |
| Return on assets (ROA) | 0.1105% | 6,246 |
| Pretax return on assets | 0.1360% | 6,220 |
| Return on Equity (ROE) | 1.0306% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.8522% | 6,252 |
| Net charge-offs to loans | 0.8217% | 1,332 |
| Credit loss provision to net charge-offs | 155.0218% | 1,819 |
| Earnings coverage of net charge-offs (x) | 1.8297% | 4,348 |
| Efficiency ratio | 76.2606% | 2,638 |
| Assets per employee ($millions) | 2.4308% | 6,756 |
| Cash dividends to net income (ytd only)* | 182.6915% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 6,535 |
| Loan loss allowance to noncurrent loans | 76.9821% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 5,062 |
| Noncurrent loans to loans | 1.0861% | 4,266 |
| Net loans and leases to total assets | 58.7428% | 4,002 |
| Net loans and leases to deposits | 66.1307% | 4,456 |
| Net loans and leases to core deposits | 68.2706% | 4,702 |
| Total domestic deposits to total assets | 88.8284% | 1,523 |
| Equity capital to assets | 11.0202% | 3,249 |
| Core capital (leverage) ratio | 10.8450% | 2,551 |
| Tier 1 risk-based capital ratio | 19.9779% | 1,763 |
| Total risk-based capital ratio | 20.8758% | 1,822 |
| Memoranda: | ||
| Average total assets | $62,755,750 | 5,924 |
| Average earning assets | $59,566,500 | 5,827 |
| Average equity | $6,727,000 | 5,899 |
| Average total loans | $37,158,000 | 5,696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 3,953 |
| Cost of funding earning assets | 0.7572% | 3,543 |
| Net interest margin | 3.6998% | 3,819 |
| Noninterest income to average assets | 0.1987% | 6,133 |
| Noninterest expense to average assets | 2.8289% | 3,912 |
| Loan and lease loss provision to assets | 0.5992% | 996 |
| Net operating income to assets | 0.1545% | 6,031 |
| Return on assets (ROA) | 0.1545% | 6,200 |
| Pretax return on assets | 0.2838% | 5,986 |
| Return on Equity (ROE) | 1.4547% | 6,201 |
| Retained earnings to average equity (ytd only) | -1.0687% | 6,221 |
| Net charge-offs to loans | 0.7085% | 1,563 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 3,933 |
| Efficiency ratio | 76.2107% | 2,707 |
| Assets per employee ($millions) | 2.4058% | 6,830 |
| Cash dividends to net income (ytd only)* | 173.4694% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 6,903 |
| Loan loss allowance to noncurrent loans | 59.7938% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 5,221 |
| Noncurrent loans to loans | 1.0535% | 4,409 |
| Net loans and leases to total assets | 58.5075% | 4,082 |
| Net loans and leases to deposits | 65.6531% | 4,546 |
| Net loans and leases to core deposits | 67.6945% | 4,826 |
| Total domestic deposits to total assets | 89.1161% | 1,443 |
| Equity capital to assets | 10.7177% | 3,434 |
| Core capital (leverage) ratio | 10.3838% | 2,939 |
| Tier 1 risk-based capital ratio | 19.5133% | 1,847 |
| Total risk-based capital ratio | 20.1886% | 1,966 |
| Memoranda: | ||
| Average total assets | $63,417,670 | 5,933 |
| Average earning assets | $60,220,000 | 5,834 |
| Average equity | $6,737,000 | 5,919 |
| Average total loans | $37,544,330 | 5,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 4,034 |
| Cost of funding earning assets | 0.7813% | 3,619 |
| Net interest margin | 3.6878% | 3,884 |
| Noninterest income to average assets | 0.1942% | 6,221 |
| Noninterest expense to average assets | 2.7627% | 4,195 |
| Loan and lease loss provision to assets | 0.2944% | 2,119 |
| Net operating income to assets | 0.4323% | 5,116 |
| Return on assets (ROA) | 0.4323% | 5,303 |
| Pretax return on assets | 0.6265% | 5,028 |
| Return on Equity (ROE) | 4.0868% | 5,252 |
| Retained earnings to average equity (ytd only) | 1.5992% | 5,437 |
| Net charge-offs to loans | 0.4855% | 1,876 |
| Credit loss provision to net charge-offs | 102.1739% | 2,253 |
| Earnings coverage of net charge-offs (x) | 3.1957% | 2,924 |
| Efficiency ratio | 75.0000% | 2,938 |
| Assets per employee ($millions) | 2.7400% | 6,587 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4764% | 7,083 |
| Loan loss allowance to noncurrent loans | 97.7778% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,229 |
| Noncurrent loans to loans | 0.4873% | 5,699 |
| Net loans and leases to total assets | 53.6715% | 4,774 |
| Net loans and leases to deposits | 59.6544% | 5,194 |
| Net loans and leases to core deposits | 61.3282% | 5,400 |
| Total domestic deposits to total assets | 89.9708% | 1,101 |
| Equity capital to assets | 9.8788% | 4,284 |
| Core capital (leverage) ratio | 9.9633% | 3,403 |
| Tier 1 risk-based capital ratio | 19.2611% | 1,916 |
| Total risk-based capital ratio | 19.7620% | 2,113 |
| Memoranda: | ||
| Average total assets | $63,851,000 | 5,959 |
| Average earning assets | $60,415,000 | 5,860 |
| Average equity | $6,753,500 | 5,945 |
| Average total loans | $37,902,000 | 5,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 824 |
| Cost of funding earning assets | 1.0662% | 2,909 |
| Net interest margin | 4.6071% | 910 |
| Noninterest income to average assets | 0.2723% | 5,578 |
| Noninterest expense to average assets | 3.5293% | 1,917 |
| Loan and lease loss provision to assets | 0.2403% | 3,807 |
| Net operating income to assets | 0.5500% | 4,235 |
| Return on assets (ROA) | 0.5500% | 4,418 |
| Pretax return on assets | 0.8401% | 3,820 |
| Return on Equity (ROE) | 4.6191% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.0779% | 4,734 |
| Net charge-offs to loans | 0.3577% | 3,615 |
| Credit loss provision to net charge-offs | 91.8367% | 3,930 |
| Earnings coverage of net charge-offs (x) | 4.1293% | 3,252 |
| Efficiency ratio | 76.5637% | 2,817 |
| Assets per employee ($millions) | 2.2770% | 7,030 |
| Cash dividends to net income (ytd only)* | 55.0162% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4503% | 7,134 |
| Loan loss allowance to noncurrent loans | 42.8922% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,269 |
| Noncurrent loans to loans | 1.0498% | 4,610 |
| Net loans and leases to total assets | 65.3491% | 2,910 |
| Net loans and leases to deposits | 73.8447% | 3,526 |
| Net loans and leases to core deposits | 76.2791% | 3,947 |
| Total domestic deposits to total assets | 88.4953% | 1,850 |
| Equity capital to assets | 11.3848% | 2,608 |
| Core capital (leverage) ratio | 11.6083% | 1,816 |
| Tier 1 risk-based capital ratio | 17.1501% | 2,535 |
| Total risk-based capital ratio | 17.5954% | 2,855 |
| Memoranda: | ||
| Average total assets | $56,186,400 | 6,155 |
| Average earning assets | $52,897,000 | 6,083 |
| Average equity | $6,689,600 | 5,958 |
| Average total loans | $41,093,800 | 5,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8542% | 617 |
| Cost of funding earning assets | 1.1162% | 2,869 |
| Net interest margin | 4.7380% | 702 |
| Noninterest income to average assets | 0.2886% | 5,547 |
| Noninterest expense to average assets | 3.5237% | 1,877 |
| Loan and lease loss provision to assets | 0.2165% | 3,849 |
| Net operating income to assets | 0.6687% | 3,777 |
| Return on assets (ROA) | 0.6687% | 3,948 |
| Pretax return on assets | 1.0102% | 3,364 |
| Return on Equity (ROE) | 5.5513% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.9954% | 4,558 |
| Net charge-offs to loans | 0.3361% | 3,413 |
| Credit loss provision to net charge-offs | 85.7143% | 3,933 |
| Earnings coverage of net charge-offs (x) | 4.8570% | 2,938 |
| Efficiency ratio | 74.1772% | 3,140 |
| Assets per employee ($millions) | 2.2286% | 7,124 |
| Cash dividends to net income (ytd only)* | 46.0422% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 7,213 |
| Loan loss allowance to noncurrent loans | 33.4630% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 4,964 |
| Noncurrent loans to loans | 1.2708% | 4,413 |
| Net loans and leases to total assets | 69.5068% | 2,177 |
| Net loans and leases to deposits | 78.8053% | 2,843 |
| Net loans and leases to core deposits | 81.4541% | 3,418 |
| Total domestic deposits to total assets | 88.2007% | 1,925 |
| Equity capital to assets | 11.6509% | 2,540 |
| Core capital (leverage) ratio | 11.9040% | 1,765 |
| Tier 1 risk-based capital ratio | 16.8514% | 2,691 |
| Total risk-based capital ratio | 17.2807% | 3,063 |
| Memoranda: | ||
| Average total assets | $55,432,500 | 6,224 |
| Average earning assets | $52,200,250 | 6,164 |
| Average equity | $6,677,000 | 6,005 |
| Average total loans | $41,651,500 | 5,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 412 |
| Cost of funding earning assets | 1.1722% | 2,764 |
| Net interest margin | 4.8992% | 491 |
| Noninterest income to average assets | 0.2857% | 5,596 |
| Noninterest expense to average assets | 3.6230% | 1,695 |
| Loan and lease loss provision to assets | 0.2747% | 3,188 |
| Net operating income to assets | 0.6667% | 3,706 |
| Return on assets (ROA) | 0.6667% | 3,828 |
| Pretax return on assets | 0.9964% | 3,254 |
| Return on Equity (ROE) | 5.4718% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.9163% | 4,428 |
| Net charge-offs to loans | 0.3805% | 3,033 |
| Credit loss provision to net charge-offs | 93.7500% | 3,350 |
| Earnings coverage of net charge-offs (x) | 4.3375% | 2,887 |
| Efficiency ratio | 74.0269% | 3,358 |
| Assets per employee ($millions) | 2.1583% | 7,211 |
| Cash dividends to net income (ytd only)* | 46.7033% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4278% | 7,276 |
| Loan loss allowance to noncurrent loans | 79.8246% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,070 |
| Noncurrent loans to loans | 0.5359% | 5,844 |
| Net loans and leases to total assets | 75.4941% | 1,156 |
| Net loans and leases to deposits | 85.9243% | 1,805 |
| Net loans and leases to core deposits | 88.9031% | 2,513 |
| Total domestic deposits to total assets | 87.8611% | 2,235 |
| Equity capital to assets | 11.9358% | 2,137 |
| Core capital (leverage) ratio | 11.9434% | 1,631 |
| Tier 1 risk-based capital ratio | 16.2569% | 2,854 |
| Total risk-based capital ratio | 16.6986% | 3,214 |
| Memoranda: | ||
| Average total assets | $54,595,330 | 6,310 |
| Average earning assets | $51,355,330 | 6,240 |
| Average equity | $6,652,330 | 6,031 |
| Average total loans | $42,053,000 | 5,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 820 |
| Cost of funding earning assets | 1.2469% | 2,524 |
| Net interest margin | 4.4905% | 1,090 |
| Noninterest income to average assets | 0.7579% | 2,227 |
| Noninterest expense to average assets | 3.6779% | 1,581 |
| Loan and lease loss provision to assets | 0.2229% | 3,428 |
| Net operating income to assets | 0.7430% | 3,311 |
| Return on assets (ROA) | 0.7430% | 3,377 |
| Pretax return on assets | 1.0848% | 2,812 |
| Return on Equity (ROE) | 6.0336% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.4392% | 4,126 |
| Net charge-offs to loans | 0.3157% | 2,787 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,297 |
| Efficiency ratio | 73.7705% | 3,553 |
| Assets per employee ($millions) | 2.1278% | 7,291 |
| Cash dividends to net income (ytd only)* | 43.0000% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4376% | 7,326 |
| Loan loss allowance to noncurrent loans | 112.8834% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 6,356 |
| Noncurrent loans to loans | 0.3877% | 6,219 |
| Net loans and leases to total assets | 75.6634% | 1,079 |
| Net loans and leases to deposits | 86.1760% | 1,704 |
| Net loans and leases to core deposits | 89.1872% | 2,458 |
| Total domestic deposits to total assets | 87.8010% | 2,484 |
| Equity capital to assets | 12.0346% | 1,898 |
| Core capital (leverage) ratio | 12.2577% | 1,427 |
| Tier 1 risk-based capital ratio | 16.4379% | 2,691 |
| Total risk-based capital ratio | 16.8922% | 3,036 |
| Memoranda: | ||
| Average total assets | $53,834,500 | 6,377 |
| Average earning assets | $50,684,500 | 6,320 |
| Average equity | $6,629,500 | 6,050 |
| Average total loans | $41,806,000 | 5,770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1731% | 604 |
| Cost of funding earning assets | 1.2683% | 4,089 |
| Net interest margin | 4.9047% | 544 |
| Noninterest income to average assets | 0.8525% | 2,050 |
| Noninterest expense to average assets | 3.7787% | 1,526 |
| Loan and lease loss provision to assets | 0.2597% | 4,711 |
| Net operating income to assets | 0.8624% | 2,543 |
| Return on assets (ROA) | 0.8624% | 2,685 |
| Pretax return on assets | 1.4294% | 1,566 |
| Return on Equity (ROE) | 6.7059% | 3,259 |
| Retained earnings to average equity (ytd only) | 4.0698% | 3,014 |
| Net charge-offs to loans | 0.2868% | 4,588 |
| Credit loss provision to net charge-offs | 115.9292% | 3,715 |
| Earnings coverage of net charge-offs (x) | 7.5398% | 2,116 |
| Efficiency ratio | 69.1080% | 4,354 |
| Assets per employee ($millions) | 2.0938% | 7,375 |
| Cash dividends to net income (ytd only)* | 39.3103% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 7,394 |
| Loan loss allowance to noncurrent loans | 78.9030% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 6,046 |
| Noncurrent loans to loans | 0.5702% | 5,915 |
| Net loans and leases to total assets | 79.0544% | 789 |
| Net loans and leases to deposits | 90.6981% | 1,438 |
| Net loans and leases to core deposits | 92.7950% | 2,410 |
| Total domestic deposits to total assets | 87.1621% | 2,735 |
| Equity capital to assets | 12.6106% | 1,573 |
| Core capital (leverage) ratio | 12.3962% | 1,353 |
| Tier 1 risk-based capital ratio | 16.8406% | 2,410 |
| Total risk-based capital ratio | 17.3177% | 2,680 |
| Memoranda: | ||
| Average total assets | $50,440,400 | 6,515 |
| Average earning assets | $47,464,200 | 6,456 |
| Average equity | $6,486,800 | 6,204 |
| Average total loans | $39,406,600 | 5,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 619 |
| Cost of funding earning assets | 1.2450% | 4,603 |
| Net interest margin | 4.9546% | 479 |
| Noninterest income to average assets | 0.8566% | 1,972 |
| Noninterest expense to average assets | 3.6959% | 1,574 |
| Loan and lease loss provision to assets | 0.3496% | 3,818 |
| Net operating income to assets | 0.9553% | 2,396 |
| Return on assets (ROA) | 0.9553% | 2,521 |
| Pretax return on assets | 1.4730% | 1,674 |
| Return on Equity (ROE) | 7.3909% | 3,158 |
| Retained earnings to average equity (ytd only) | 4.7483% | 3,160 |
| Net charge-offs to loans | 0.3465% | 3,924 |
| Credit loss provision to net charge-offs | 129.7030% | 3,121 |
| Earnings coverage of net charge-offs (x) | 6.7625% | 2,454 |
| Efficiency ratio | 66.9729% | 4,658 |
| Assets per employee ($millions) | 2.1778% | 7,403 |
| Cash dividends to net income (ytd only)* | 35.7538% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4854% | 7,470 |
| Loan loss allowance to noncurrent loans | 132.6667% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 6,381 |
| Noncurrent loans to loans | 0.3659% | 6,462 |
| Net loans and leases to total assets | 78.0554% | 1,031 |
| Net loans and leases to deposits | 89.5243% | 1,784 |
| Net loans and leases to core deposits | 90.5415% | 3,018 |
| Total domestic deposits to total assets | 87.1891% | 2,426 |
| Equity capital to assets | 12.5660% | 1,826 |
| Core capital (leverage) ratio | 12.7991% | 1,299 |
| Tier 1 risk-based capital ratio | 16.9615% | 2,351 |
| Total risk-based capital ratio | 17.4754% | 2,613 |
| Memoranda: | ||
| Average total assets | $49,964,250 | 6,612 |
| Average earning assets | $47,012,000 | 6,558 |
| Average equity | $6,458,250 | 6,296 |
| Average total loans | $38,866,250 | 6,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2334% | 588 |
| Cost of funding earning assets | 1.2234% | 4,996 |
| Net interest margin | 5.0099% | 409 |
| Noninterest income to average assets | 0.8537% | 1,869 |
| Noninterest expense to average assets | 3.6832% | 1,586 |
| Loan and lease loss provision to assets | 0.2764% | 4,183 |
| Net operating income to assets | 1.0570% | 1,994 |
| Return on assets (ROA) | 1.0570% | 2,062 |
| Pretax return on assets | 1.6221% | 1,241 |
| Return on Equity (ROE) | 8.0976% | 2,855 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,648 |
| Net charge-offs to loans | 0.1992% | 4,415 |
| Credit loss provision to net charge-offs | 178.9474% | 2,188 |
| Earnings coverage of net charge-offs (x) | 12.2895% | 1,689 |
| Efficiency ratio | 65.9869% | 4,980 |
| Assets per employee ($millions) | 2.1774% | 7,460 |
| Cash dividends to net income (ytd only)* | 32.6923% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 7,502 |
| Loan loss allowance to noncurrent loans | 75.6654% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 5,847 |
| Noncurrent loans to loans | 0.6671% | 5,918 |
| Net loans and leases to total assets | 78.3211% | 1,058 |
| Net loans and leases to deposits | 90.2012% | 1,821 |
| Net loans and leases to core deposits | 90.7396% | 3,161 |
| Total domestic deposits to total assets | 86.8293% | 2,634 |
| Equity capital to assets | 13.0049% | 1,566 |
| Core capital (leverage) ratio | 13.0226% | 1,202 |
| Tier 1 risk-based capital ratio | 17.6633% | 2,048 |
| Total risk-based capital ratio | 18.2030% | 2,253 |
| Memoranda: | ||
| Average total assets | $49,196,330 | 6,687 |
| Average earning assets | $46,427,670 | 6,616 |
| Average equity | $6,421,670 | 6,332 |
| Average total loans | $38,156,000 | 6,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1069% | 767 |
| Cost of funding earning assets | 1.1971% | 5,423 |
| Net interest margin | 4.9098% | 506 |
| Noninterest income to average assets | 0.8369% | 1,855 |
| Noninterest expense to average assets | 3.6100% | 1,713 |
| Loan and lease loss provision to assets | 0.3774% | 3,106 |
| Net operating income to assets | 0.9845% | 2,241 |
| Return on assets (ROA) | 0.9845% | 2,303 |
| Pretax return on assets | 1.4932% | 1,536 |
| Return on Equity (ROE) | 7.5282% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.8306% | 3,252 |
| Net charge-offs to loans | 0.2132% | 3,644 |
| Credit loss provision to net charge-offs | 230.0000% | 1,658 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,643 |
| Efficiency ratio | 65.8683% | 5,144 |
| Assets per employee ($millions) | 2.2339% | 7,516 |
| Cash dividends to net income (ytd only)* | 35.8333% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5104% | 7,582 |
| Loan loss allowance to noncurrent loans | 81.5900% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 6,270 |
| Noncurrent loans to loans | 0.6255% | 6,062 |
| Net loans and leases to total assets | 77.3507% | 1,276 |
| Net loans and leases to deposits | 89.1364% | 2,045 |
| Net loans and leases to core deposits | 93.5453% | 2,898 |
| Total domestic deposits to total assets | 86.7779% | 2,748 |
| Equity capital to assets | 13.0532% | 1,504 |
| Core capital (leverage) ratio | 13.2254% | 1,150 |
| Tier 1 risk-based capital ratio | 17.9210% | 1,961 |
| Total risk-based capital ratio | 18.4658% | 2,143 |
| Memoranda: | ||
| Average total assets | $48,754,000 | 6,777 |
| Average earning assets | $46,112,000 | 6,703 |
| Average equity | $6,376,000 | 6,391 |
| Average total loans | $37,522,500 | 6,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2811% | 1,064 |
| Cost of funding earning assets | 1.4783% | 5,599 |
| Net interest margin | 4.8028% | 692 |
| Noninterest income to average assets | 0.8643% | 2,117 |
| Noninterest expense to average assets | 3.7377% | 1,824 |
| Loan and lease loss provision to assets | 0.4090% | 4,357 |
| Net operating income to assets | 0.6113% | 3,289 |
| Return on assets (ROA) | 0.6113% | 3,361 |
| Pretax return on assets | 0.9571% | 2,739 |
| Return on Equity (ROE) | 4.6195% | 3,835 |
| Retained earnings to average equity (ytd only) | 1.9115% | 3,759 |
| Net charge-offs to loans | 0.4516% | 3,974 |
| Credit loss provision to net charge-offs | 131.0811% | 3,869 |
| Earnings coverage of net charge-offs (x) | 4.3784% | 2,969 |
| Efficiency ratio | 73.2342% | 4,046 |
| Assets per employee ($millions) | 2.1983% | 7,576 |
| Cash dividends to net income (ytd only)* | 58.6207% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4588% | 7,705 |
| Loan loss allowance to noncurrent loans | 51.5244% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 5,763 |
| Noncurrent loans to loans | 0.8904% | 5,526 |
| Net loans and leases to total assets | 75.8162% | 1,851 |
| Net loans and leases to deposits | 87.4127% | 2,658 |
| Net loans and leases to core deposits | 103.1421% | 3,671 |
| Total domestic deposits to total assets | 86.7337% | 2,637 |
| Equity capital to assets | 13.1030% | 1,468 |
| Core capital (leverage) ratio | 13.3366% | 1,143 |
| Tier 1 risk-based capital ratio | 18.3532% | 1,791 |
| Total risk-based capital ratio | 18.8427% | 1,960 |
| Memoranda: | ||
| Average total assets | $47,436,200 | 6,813 |
| Average earning assets | $41,871,800 | 6,865 |
| Average equity | $6,277,800 | 6,506 |
| Average total loans | $32,772,400 | 6,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2740% | 1,192 |
| Cost of funding earning assets | 1.5628% | 5,578 |
| Net interest margin | 4.7112% | 813 |
| Noninterest income to average assets | 0.8558% | 2,175 |
| Noninterest expense to average assets | 3.7623% | 1,683 |
| Loan and lease loss provision to assets | 0.3192% | 4,433 |
| Net operating income to assets | 0.5621% | 3,750 |
| Return on assets (ROA) | 0.5621% | 3,830 |
| Pretax return on assets | 0.8615% | 3,352 |
| Return on Equity (ROE) | 4.2365% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.5114% | 4,467 |
| Net charge-offs to loans | 0.3779% | 3,763 |
| Credit loss provision to net charge-offs | 125.5556% | 4,009 |
| Earnings coverage of net charge-offs (x) | 4.6443% | 3,061 |
| Efficiency ratio | 76.1143% | 3,493 |
| Assets per employee ($millions) | 2.1374% | 7,677 |
| Cash dividends to net income (ytd only)* | 64.3199% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4085% | 7,813 |
| Loan loss allowance to noncurrent loans | 53.6765% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 6,010 |
| Noncurrent loans to loans | 0.7611% | 5,787 |
| Net loans and leases to total assets | 75.6922% | 2,060 |
| Net loans and leases to deposits | 87.6413% | 3,037 |
| Net loans and leases to core deposits | 98.4946% | 4,555 |
| Total domestic deposits to total assets | 86.3660% | 2,501 |
| Equity capital to assets | 13.3874% | 1,537 |
| Core capital (leverage) ratio | 13.1849% | 1,327 |
| Tier 1 risk-based capital ratio | 18.9255% | 1,762 |
| Total risk-based capital ratio | 19.3644% | 1,905 |
| Memoranda: | ||
| Average total assets | $47,204,500 | 6,865 |
| Average earning assets | $40,951,000 | 6,961 |
| Average equity | $6,263,000 | 6,570 |
| Average total loans | $31,756,500 | 6,577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2509% | 1,329 |
| Cost of funding earning assets | 1.6609% | 5,469 |
| Net interest margin | 4.5901% | 976 |
| Noninterest income to average assets | 0.8167% | 2,329 |
| Noninterest expense to average assets | 3.6940% | 1,852 |
| Loan and lease loss provision to assets | 0.2497% | 4,574 |
| Net operating income to assets | 0.4824% | 4,160 |
| Return on assets (ROA) | 0.4824% | 4,275 |
| Pretax return on assets | 0.7320% | 3,891 |
| Return on Equity (ROE) | 3.6466% | 4,647 |
| Retained earnings to average equity (ytd only) | 0.9277% | 4,809 |
| Net charge-offs to loans | 0.3878% | 3,258 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.9322% | 3,269 |
| Efficiency ratio | 79.0045% | 3,193 |
| Assets per employee ($millions) | 2.0703% | 7,802 |
| Cash dividends to net income (ytd only)* | 74.5614% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 7,929 |
| Loan loss allowance to noncurrent loans | 97.6190% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,747 |
| Noncurrent loans to loans | 0.3841% | 6,548 |
| Net loans and leases to total assets | 68.6282% | 4,041 |
| Net loans and leases to deposits | 79.2732% | 4,661 |
| Net loans and leases to core deposits | 88.5847% | 5,674 |
| Total domestic deposits to total assets | 86.5717% | 2,471 |
| Equity capital to assets | 13.1426% | 1,640 |
| Core capital (leverage) ratio | 13.0359% | 1,418 |
| Tier 1 risk-based capital ratio | 20.0321% | 1,577 |
| Total risk-based capital ratio | 20.4268% | 1,695 |
| Memoranda: | ||
| Average total assets | $47,265,330 | 6,931 |
| Average earning assets | $39,738,000 | 7,068 |
| Average equity | $6,252,330 | 6,620 |
| Average total loans | $30,429,330 | 6,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4576% | 940 |
| Cost of funding earning assets | 1.8039% | 5,098 |
| Net interest margin | 4.6538% | 859 |
| Noninterest income to average assets | 0.6795% | 3,006 |
| Noninterest expense to average assets | 3.4062% | 2,339 |
| Loan and lease loss provision to assets | 0.1954% | 4,486 |
| Net operating income to assets | 0.6031% | 3,997 |
| Return on assets (ROA) | 0.6031% | 4,193 |
| Pretax return on assets | 0.7815% | 4,144 |
| Return on Equity (ROE) | 4.5444% | 4,690 |
| Retained earnings to average equity (ytd only) | 1.8561% | 4,826 |
| Net charge-offs to loans | 0.3146% | 2,846 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,773 |
| Efficiency ratio | 77.7132% | 3,217 |
| Assets per employee ($millions) | 2.0619% | 7,846 |
| Cash dividends to net income (ytd only)* | 59.1549% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 7,932 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 7,209 |
| Noncurrent loans to loans | 0.1604% | 7,070 |
| Net loans and leases to total assets | 62.8353% | 5,182 |
| Net loans and leases to deposits | 72.5407% | 5,674 |
| Net loans and leases to core deposits | 79.9329% | 6,392 |
| Total domestic deposits to total assets | 86.6207% | 2,397 |
| Equity capital to assets | 13.1874% | 1,665 |
| Core capital (leverage) ratio | 13.2825% | 1,393 |
| Tier 1 risk-based capital ratio | 21.9835% | 1,303 |
| Total risk-based capital ratio | 22.4167% | 1,391 |
| Memoranda: | ||
| Average total assets | $47,090,000 | 6,983 |
| Average earning assets | $37,475,000 | 7,198 |
| Average equity | $6,249,500 | 6,671 |
| Average total loans | $29,243,500 | 6,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0934% | 5,079 |
| Cost of funding earning assets | 2.1357% | 5,901 |
| Net interest margin | 3.9577% | 3,324 |
| Noninterest income to average assets | 0.6596% | 3,407 |
| Noninterest expense to average assets | 3.2757% | 3,052 |
| Loan and lease loss provision to assets | 0.3608% | 3,525 |
| Net operating income to assets | 0.3254% | 5,464 |
| Return on assets (ROA) | 0.3254% | 5,284 |
| Pretax return on assets | 0.5135% | 4,939 |
| Return on Equity (ROE) | 2.3600% | 5,472 |
| Retained earnings to average equity (ytd only) | -0.3693% | 5,393 |
| Net charge-offs to loans | 0.5302% | 2,239 |
| Credit loss provision to net charge-offs | 111.6438% | 4,828 |
| Earnings coverage of net charge-offs (x) | 2.7055% | 4,725 |
| Efficiency ratio | 78.9333% | 2,761 |
| Assets per employee ($millions) | 2.0329% | 7,892 |
| Cash dividends to net income (ytd only)* | 115.6463% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 7,947 |
| Loan loss allowance to noncurrent loans | 292.8571% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 7,125 |
| Noncurrent loans to loans | 0.1470% | 6,971 |
| Net loans and leases to total assets | 60.8307% | 5,791 |
| Net loans and leases to deposits | 70.4202% | 6,230 |
| Net loans and leases to core deposits | 78.4564% | 6,724 |
| Total domestic deposits to total assets | 86.3825% | 2,225 |
| Equity capital to assets | 13.3566% | 1,648 |
| Core capital (leverage) ratio | 13.4772% | 1,394 |
| Tier 1 risk-based capital ratio | 22.9703% | 1,200 |
| Total risk-based capital ratio | 23.4250% | 1,260 |
| Memoranda: | ||
| Average total assets | $45,181,800 | 6,982 |
| Average earning assets | $39,846,400 | 7,045 |
| Average equity | $6,228,800 | 6,724 |
| Average total loans | $27,537,000 | 6,874 |