Home > The Pioneer National Bank of Duluth > Performance and Condition Ratios
The Pioneer National Bank of Duluth, Performance and Condition Ratios
| 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 | 4.3180% | 2,457 |
| Cost of funding earning assets | 0.1529% | 5,251 |
| Net interest margin | 4.1651% | 1,263 |
| Noninterest income to average assets | 0.2280% | 4,646 |
| Noninterest expense to average assets | 5.2969% | 183 |
| Loan and lease loss provision to assets | 0.0534% | 2,706 |
| Net operating income to assets | -1.1690% | 5,544 |
| Return on assets (ROA) | -1.1690% | 5,542 |
| Pretax return on assets | -1.1593% | 5,541 |
| Return on Equity (ROE) | -10.8810% | 5,537 |
| Retained earnings to average equity (ytd only) | -12.2806% | 5,412 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3889% | 54 |
| Assets per employee ($millions) | 3.9112% | 4,132 |
| Cash dividends to net income (ytd only)* | -12.8631% | 5,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,644 |
| Loan loss allowance to noncurrent loans | 347.4576% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 4,020 |
| Noncurrent loans to loans | 0.3028% | 3,683 |
| Net loans and leases to total assets | 70.4088% | 2,406 |
| Net loans and leases to deposits | 79.7009% | 2,843 |
| Net loans and leases to core deposits | 80.3242% | 3,297 |
| Total domestic deposits to total assets | 88.3413% | 1,433 |
| Equity capital to assets | 10.5861% | 2,989 |
| Core capital (leverage) ratio | 10.5946% | 2,856 |
| Tier 1 risk-based capital ratio | 15.9224% | 2,514 |
| Total risk-based capital ratio | 17.0466% | 2,505 |
| Memoranda: | ||
| Average total assets | $82,463,500 | 4,524 |
| Average earning assets | $78,461,500 | 4,484 |
| Average equity | $8,859,500 | 4,600 |
| Average total loans | $57,631,500 | 4,261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,653 |
| Cost of funding earning assets | 0.1506% | 5,259 |
| Net interest margin | 4.0597% | 1,564 |
| Noninterest income to average assets | 0.2058% | 4,910 |
| Noninterest expense to average assets | 3.2121% | 1,581 |
| Loan and lease loss provision to assets | 0.0698% | 2,803 |
| Net operating income to assets | 0.7853% | 3,228 |
| Return on assets (ROA) | 0.7853% | 3,264 |
| Pretax return on assets | 0.7877% | 4,279 |
| Return on Equity (ROE) | 7.2167% | 3,170 |
| Retained earnings to average equity (ytd only) | 2.3418% | 3,922 |
| Net charge-offs to loans | 0.2214% | 1,170 |
| Credit loss provision to net charge-offs | 44.8819% | 3,387 |
| Earnings coverage of net charge-offs (x) | 5.5118% | 3,314 |
| Efficiency ratio | 78.9284% | 1,232 |
| Assets per employee ($millions) | 3.7632% | 4,335 |
| Cash dividends to net income (ytd only)* | 67.5507% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,527 |
| Loan loss allowance to noncurrent loans | 326.4865% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 4,022 |
| Noncurrent loans to loans | 0.3256% | 3,602 |
| Net loans and leases to total assets | 67.8975% | 2,834 |
| Net loans and leases to deposits | 77.1309% | 3,215 |
| Net loans and leases to core deposits | 77.7303% | 3,612 |
| Total domestic deposits to total assets | 88.0289% | 1,484 |
| Equity capital to assets | 10.8997% | 2,730 |
| Core capital (leverage) ratio | 10.7452% | 2,599 |
| Tier 1 risk-based capital ratio | 16.8733% | 2,135 |
| Total risk-based capital ratio | 18.0080% | 2,122 |
| Memoranda: | ||
| Average total assets | $81,628,200 | 4,558 |
| Average earning assets | $77,691,200 | 4,504 |
| Average equity | $8,882,200 | 4,631 |
| Average total loans | $57,355,000 | 4,260 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 2,549 |
| Cost of funding earning assets | 0.1480% | 5,322 |
| Net interest margin | 4.0701% | 1,478 |
| Noninterest income to average assets | 0.1967% | 5,024 |
| Noninterest expense to average assets | 3.2948% | 1,365 |
| Loan and lease loss provision to assets | 0.0770% | 2,533 |
| Net operating income to assets | 0.6983% | 3,998 |
| Return on assets (ROA) | 0.6983% | 4,058 |
| Pretax return on assets | 0.7016% | 4,604 |
| Return on Equity (ROE) | 6.4203% | 3,942 |
| Retained earnings to average equity (ytd only) | 1.4016% | 4,852 |
| Net charge-offs to loans | 0.2945% | 718 |
| Credit loss provision to net charge-offs | 37.0079% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.7402% | 3,300 |
| Efficiency ratio | 80.8853% | 1,011 |
| Assets per employee ($millions) | 3.7658% | 4,346 |
| Cash dividends to net income (ytd only)* | 78.1686% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,802 |
| Loan loss allowance to noncurrent loans | 309.3750% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,132 |
| Noncurrent loans to loans | 0.3388% | 3,734 |
| Net loans and leases to total assets | 67.6902% | 2,886 |
| Net loans and leases to deposits | 76.8788% | 3,286 |
| Net loans and leases to core deposits | 77.7442% | 3,661 |
| Total domestic deposits to total assets | 88.0480% | 1,340 |
| Equity capital to assets | 10.7884% | 3,078 |
| Core capital (leverage) ratio | 10.8633% | 2,584 |
| Tier 1 risk-based capital ratio | 16.7106% | 2,249 |
| Total risk-based capital ratio | 17.8300% | 2,250 |
| Memoranda: | ||
| Average total assets | $81,337,500 | 4,606 |
| Average earning assets | $77,473,250 | 4,553 |
| Average equity | $8,846,750 | 4,687 |
| Average total loans | $57,489,500 | 4,295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,571 |
| Cost of funding earning assets | 0.1480% | 5,352 |
| Net interest margin | 4.0254% | 1,531 |
| Noninterest income to average assets | 0.1757% | 5,176 |
| Noninterest expense to average assets | 3.3946% | 1,180 |
| Loan and lease loss provision to assets | 0.0915% | 2,156 |
| Net operating income to assets | 0.5196% | 4,654 |
| Return on assets (ROA) | 0.5196% | 4,685 |
| Pretax return on assets | 0.5245% | 4,962 |
| Return on Equity (ROE) | 4.7639% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.4991% | 4,978 |
| Net charge-offs to loans | 0.4397% | 460 |
| Credit loss provision to net charge-offs | 29.1339% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.9606% | 3,224 |
| Efficiency ratio | 84.6391% | 792 |
| Assets per employee ($millions) | 3.7502% | 4,356 |
| Cash dividends to net income (ytd only)* | 89.5238% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,971 |
| Loan loss allowance to noncurrent loans | 294.9495% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 4,179 |
| Noncurrent loans to loans | 0.3488% | 3,784 |
| Net loans and leases to total assets | 68.0900% | 2,807 |
| Net loans and leases to deposits | 77.3138% | 3,184 |
| Net loans and leases to core deposits | 78.4683% | 3,556 |
| Total domestic deposits to total assets | 88.0697% | 1,422 |
| Equity capital to assets | 10.7583% | 3,072 |
| Core capital (leverage) ratio | 10.9984% | 2,403 |
| Tier 1 risk-based capital ratio | 16.8119% | 2,199 |
| Total risk-based capital ratio | 17.9281% | 2,208 |
| Memoranda: | ||
| Average total assets | $80,834,000 | 4,648 |
| Average earning assets | $77,010,330 | 4,591 |
| Average equity | $8,816,330 | 4,719 |
| Average total loans | $57,761,330 | 4,320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,168 |
| Cost of funding earning assets | 0.1527% | 5,353 |
| Net interest margin | 4.0767% | 1,279 |
| Noninterest income to average assets | 0.2300% | 4,898 |
| Noninterest expense to average assets | 3.4950% | 1,051 |
| Loan and lease loss provision to assets | 0.0500% | 2,807 |
| Net operating income to assets | 0.5450% | 4,404 |
| Return on assets (ROA) | 0.5450% | 4,444 |
| Pretax return on assets | 0.5550% | 4,830 |
| Return on Equity (ROE) | 4.9622% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.6829% | 4,752 |
| Net charge-offs to loans | 0.8719% | 197 |
| Credit loss provision to net charge-offs | 7.8740% | 2,239 |
| Earnings coverage of net charge-offs (x) | 0.9528% | 2,772 |
| Efficiency ratio | 85.2439% | 868 |
| Assets per employee ($millions) | 3.6137% | 4,619 |
| Cash dividends to net income (ytd only)* | 86.2385% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,483 |
| Loan loss allowance to noncurrent loans | 266.5072% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 2,149 |
| Noncurrent loans to loans | 0.3610% | 3,798 |
| Net loans and leases to total assets | 72.1224% | 2,054 |
| Net loans and leases to deposits | 82.2734% | 2,467 |
| Net loans and leases to core deposits | 83.5539% | 2,939 |
| Total domestic deposits to total assets | 87.6618% | 1,910 |
| Equity capital to assets | 11.0653% | 2,564 |
| Core capital (leverage) ratio | 11.0535% | 2,309 |
| Tier 1 risk-based capital ratio | 16.3246% | 2,426 |
| Total risk-based capital ratio | 17.3591% | 2,455 |
| Memoranda: | ||
| Average total assets | $79,999,000 | 4,710 |
| Average earning assets | $75,943,000 | 4,655 |
| Average equity | $8,786,500 | 4,755 |
| Average total loans | $58,261,500 | 4,337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 1,897 |
| Cost of funding earning assets | 0.1808% | 5,204 |
| Net interest margin | 4.1943% | 1,132 |
| Noninterest income to average assets | 0.3070% | 4,545 |
| Noninterest expense to average assets | 3.3211% | 1,534 |
| Loan and lease loss provision to assets | 0.0522% | 3,344 |
| Net operating income to assets | 0.9111% | 2,767 |
| Return on assets (ROA) | 0.9111% | 2,876 |
| Pretax return on assets | 0.9135% | 3,797 |
| Return on Equity (ROE) | 8.2584% | 2,807 |
| Retained earnings to average equity (ytd only) | 0.9239% | 4,952 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4717% | 1,778 |
| Assets per employee ($millions) | 3.4999% | 4,760 |
| Cash dividends to net income (ytd only)* | 88.8131% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,434 |
| Loan loss allowance to noncurrent loans | 114.8211% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 1,725 |
| Noncurrent loans to loans | 1.0012% | 2,088 |
| Net loans and leases to total assets | 71.9952% | 2,169 |
| Net loans and leases to deposits | 81.9288% | 2,678 |
| Net loans and leases to core deposits | 83.1824% | 3,110 |
| Total domestic deposits to total assets | 87.8753% | 1,690 |
| Equity capital to assets | 10.9023% | 2,710 |
| Core capital (leverage) ratio | 10.7906% | 2,540 |
| Tier 1 risk-based capital ratio | 16.2488% | 2,451 |
| Total risk-based capital ratio | 17.4968% | 2,391 |
| Memoranda: | ||
| Average total assets | $80,456,400 | 4,727 |
| Average earning assets | $76,341,400 | 4,666 |
| Average equity | $8,875,800 | 4,781 |
| Average total loans | $58,714,600 | 4,342 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 1,931 |
| Cost of funding earning assets | 0.1904% | 5,175 |
| Net interest margin | 4.1843% | 1,166 |
| Noninterest income to average assets | 0.2917% | 4,679 |
| Noninterest expense to average assets | 3.2733% | 1,625 |
| Loan and lease loss provision to assets | 0.0514% | 3,219 |
| Net operating income to assets | 0.9331% | 2,736 |
| Return on assets (ROA) | 0.9331% | 2,862 |
| Pretax return on assets | 0.9364% | 3,859 |
| Return on Equity (ROE) | 8.4336% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.1757% | 4,011 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8184% | 1,858 |
| Assets per employee ($millions) | 3.6666% | 4,546 |
| Cash dividends to net income (ytd only)* | 62.3446% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,682 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 3,008 |
| Noncurrent loans to loans | 0.3763% | 3,916 |
| Net loans and leases to total assets | 71.9841% | 2,199 |
| Net loans and leases to deposits | 82.2395% | 2,697 |
| Net loans and leases to core deposits | 83.4989% | 3,178 |
| Total domestic deposits to total assets | 87.5299% | 1,646 |
| Equity capital to assets | 11.1845% | 2,813 |
| Core capital (leverage) ratio | 11.0194% | 2,432 |
| Tier 1 risk-based capital ratio | 16.3350% | 2,477 |
| Total risk-based capital ratio | 17.5510% | 2,451 |
| Memoranda: | ||
| Average total assets | $80,446,250 | 4,766 |
| Average earning assets | $76,315,000 | 4,704 |
| Average equity | $8,900,750 | 4,824 |
| Average total loans | $58,736,250 | 4,370 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,201 |
| Cost of funding earning assets | 0.2038% | 5,105 |
| Net interest margin | 4.0806% | 1,413 |
| Noninterest income to average assets | 0.3359% | 4,380 |
| Noninterest expense to average assets | 3.2946% | 1,602 |
| Loan and lease loss provision to assets | 0.0523% | 3,102 |
| Net operating income to assets | 0.8709% | 3,003 |
| Return on assets (ROA) | 0.8709% | 3,115 |
| Pretax return on assets | 0.8759% | 4,040 |
| Return on Equity (ROE) | 7.9004% | 3,033 |
| Retained earnings to average equity (ytd only) | 2.5733% | 4,250 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0200% | 1,789 |
| Assets per employee ($millions) | 3.4763% | 4,789 |
| Cash dividends to net income (ytd only)* | 67.4286% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,012 |
| Loan loss allowance to noncurrent loans | 283.9130% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 2,972 |
| Noncurrent loans to loans | 0.3832% | 3,988 |
| Net loans and leases to total assets | 74.2508% | 1,795 |
| Net loans and leases to deposits | 85.8862% | 2,260 |
| Net loans and leases to core deposits | 86.8512% | 2,830 |
| Total domestic deposits to total assets | 86.4525% | 2,193 |
| Equity capital to assets | 11.1724% | 2,875 |
| Core capital (leverage) ratio | 10.9285% | 2,509 |
| Tier 1 risk-based capital ratio | 16.1136% | 2,587 |
| Total risk-based capital ratio | 17.3081% | 2,556 |
| Memoranda: | ||
| Average total assets | $80,373,330 | 4,808 |
| Average earning assets | $76,557,330 | 4,743 |
| Average equity | $8,860,330 | 4,866 |
| Average total loans | $58,738,670 | 4,387 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,529 |
| Cost of funding earning assets | 0.1976% | 5,227 |
| Net interest margin | 3.9874% | 1,651 |
| Noninterest income to average assets | 0.3276% | 4,387 |
| Noninterest expense to average assets | 3.2960% | 1,615 |
| Loan and lease loss provision to assets | 0.0496% | 2,932 |
| Net operating income to assets | 0.7793% | 3,357 |
| Return on assets (ROA) | 0.7793% | 3,458 |
| Pretax return on assets | 0.7893% | 4,228 |
| Return on Equity (ROE) | 7.1170% | 3,392 |
| Retained earnings to average equity (ytd only) | 1.9039% | 4,498 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7119% | 1,647 |
| Assets per employee ($millions) | 3.6985% | 4,472 |
| Cash dividends to net income (ytd only)* | 73.2484% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 4,029 |
| Loan loss allowance to noncurrent loans | 215.4362% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 2,783 |
| Noncurrent loans to loans | 0.5125% | 3,646 |
| Net loans and leases to total assets | 70.6740% | 2,241 |
| Net loans and leases to deposits | 80.4426% | 2,738 |
| Net loans and leases to core deposits | 81.3162% | 3,198 |
| Total domestic deposits to total assets | 87.8564% | 1,722 |
| Equity capital to assets | 10.8605% | 3,102 |
| Core capital (leverage) ratio | 10.8603% | 2,557 |
| Tier 1 risk-based capital ratio | 16.3853% | 2,521 |
| Total risk-based capital ratio | 17.5895% | 2,497 |
| Memoranda: | ||
| Average total assets | $80,582,000 | 4,844 |
| Average earning assets | $76,942,500 | 4,772 |
| Average equity | $8,824,000 | 4,900 |
| Average total loans | $58,097,500 | 4,437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 1,360 |
| Cost of funding earning assets | 0.2322% | 4,986 |
| Net interest margin | 4.3591% | 861 |
| Noninterest income to average assets | 0.3166% | 4,629 |
| Noninterest expense to average assets | 3.2843% | 1,750 |
| Loan and lease loss provision to assets | 0.0519% | 3,280 |
| Net operating income to assets | 1.0870% | 1,980 |
| Return on assets (ROA) | 1.0870% | 2,049 |
| Pretax return on assets | 1.0894% | 3,109 |
| Return on Equity (ROE) | 9.9027% | 2,044 |
| Retained earnings to average equity (ytd only) | 1.6448% | 4,789 |
| Net charge-offs to loans | 0.0473% | 3,268 |
| Credit loss provision to net charge-offs | 140.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 30.7667% | 1,430 |
| Efficiency ratio | 74.2107% | 2,546 |
| Assets per employee ($millions) | 3.4694% | 4,881 |
| Cash dividends to net income (ytd only)* | 83.3902% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,107 |
| Loan loss allowance to noncurrent loans | 207.2131% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,700 |
| Noncurrent loans to loans | 0.5254% | 3,590 |
| Net loans and leases to total assets | 71.9522% | 2,061 |
| Net loans and leases to deposits | 82.1164% | 2,574 |
| Net loans and leases to core deposits | 82.7294% | 3,075 |
| Total domestic deposits to total assets | 87.6222% | 1,837 |
| Equity capital to assets | 11.0419% | 2,780 |
| Core capital (leverage) ratio | 10.8589% | 2,548 |
| Tier 1 risk-based capital ratio | 16.4469% | 2,512 |
| Total risk-based capital ratio | 17.6425% | 2,489 |
| Memoranda: | ||
| Average total assets | $80,868,400 | 4,850 |
| Average earning assets | $76,231,400 | 4,806 |
| Average equity | $8,876,400 | 4,875 |
| Average total loans | $63,455,600 | 4,277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,169 |
| Cost of funding earning assets | 0.2379% | 5,013 |
| Net interest margin | 4.4271% | 755 |
| Noninterest income to average assets | 0.3352% | 4,548 |
| Noninterest expense to average assets | 3.3030% | 1,682 |
| Loan and lease loss provision to assets | 0.0526% | 3,145 |
| Net operating income to assets | 1.1355% | 1,880 |
| Return on assets (ROA) | 1.1355% | 1,952 |
| Pretax return on assets | 1.1388% | 3,057 |
| Return on Equity (ROE) | 10.3602% | 1,942 |
| Retained earnings to average equity (ytd only) | 6.4920% | 1,963 |
| Net charge-offs to loans | 0.0782% | 2,434 |
| Credit loss provision to net charge-offs | 84.2105% | 2,548 |
| Earnings coverage of net charge-offs (x) | 19.0772% | 1,967 |
| Efficiency ratio | 73.4918% | 2,641 |
| Assets per employee ($millions) | 3.6178% | 4,581 |
| Cash dividends to net income (ytd only)* | 37.3371% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 4,976 |
| Loan loss allowance to noncurrent loans | 236.1538% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,998 |
| Noncurrent loans to loans | 0.4027% | 4,172 |
| Net loans and leases to total assets | 80.3445% | 771 |
| Net loans and leases to deposits | 92.1480% | 1,388 |
| Net loans and leases to core deposits | 97.7798% | 1,716 |
| Total domestic deposits to total assets | 87.1908% | 1,940 |
| Equity capital to assets | 11.4360% | 2,552 |
| Core capital (leverage) ratio | 11.2094% | 2,286 |
| Tier 1 risk-based capital ratio | 15.3435% | 3,119 |
| Total risk-based capital ratio | 16.3925% | 3,158 |
| Memoranda: | ||
| Average total assets | $81,136,500 | 4,901 |
| Average earning assets | $76,226,000 | 4,861 |
| Average equity | $8,892,750 | 4,934 |
| Average total loans | $64,807,750 | 4,283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,190 |
| Cost of funding earning assets | 0.2433% | 5,018 |
| Net interest margin | 4.3957% | 765 |
| Noninterest income to average assets | 0.3503% | 4,453 |
| Noninterest expense to average assets | 3.2798% | 1,759 |
| Loan and lease loss provision to assets | 0.0514% | 3,089 |
| Net operating income to assets | 1.1292% | 1,839 |
| Return on assets (ROA) | 1.1292% | 1,922 |
| Pretax return on assets | 1.1341% | 3,034 |
| Return on Equity (ROE) | 10.4500% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.4831% | 1,956 |
| Net charge-offs to loans | 0.0339% | 2,989 |
| Credit loss provision to net charge-offs | 190.9091% | 1,283 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,054 |
| Efficiency ratio | 73.4504% | 2,759 |
| Assets per employee ($millions) | 3.3513% | 5,069 |
| Cash dividends to net income (ytd only)* | 37.9610% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 4,968 |
| Loan loss allowance to noncurrent loans | 210.0000% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 2,076 |
| Noncurrent loans to loans | 0.4668% | 4,081 |
| Net loans and leases to total assets | 79.1140% | 919 |
| Net loans and leases to deposits | 94.4068% | 1,114 |
| Net loans and leases to core deposits | 100.3564% | 1,463 |
| Total domestic deposits to total assets | 83.8012% | 3,648 |
| Equity capital to assets | 11.1287% | 2,745 |
| Core capital (leverage) ratio | 11.0177% | 2,404 |
| Tier 1 risk-based capital ratio | 15.0392% | 3,340 |
| Total risk-based capital ratio | 16.1117% | 3,371 |
| Memoranda: | ||
| Average total assets | $81,651,670 | 4,942 |
| Average earning assets | $76,439,000 | 4,911 |
| Average equity | $8,823,000 | 4,983 |
| Average total loans | $64,890,000 | 4,317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,118 |
| Cost of funding earning assets | 0.2449% | 5,078 |
| Net interest margin | 4.4079% | 720 |
| Noninterest income to average assets | 0.3744% | 4,208 |
| Noninterest expense to average assets | 3.2919% | 1,734 |
| Loan and lease loss provision to assets | 0.0535% | 2,870 |
| Net operating income to assets | 1.1330% | 1,748 |
| Return on assets (ROA) | 1.1330% | 1,855 |
| Pretax return on assets | 1.1427% | 2,894 |
| Return on Equity (ROE) | 10.6405% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.8501% | 2,079 |
| Net charge-offs to loans | -0.0491% | 5,503 |
| Credit loss provision to net charge-offs | -137.5000% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3478% | 2,936 |
| Assets per employee ($millions) | 3.6839% | 4,544 |
| Cash dividends to net income (ytd only)* | 35.6223% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,018 |
| Loan loss allowance to noncurrent loans | 116.3934% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 2,150 |
| Noncurrent loans to loans | 0.8597% | 3,095 |
| Net loans and leases to total assets | 78.0048% | 931 |
| Net loans and leases to deposits | 90.1352% | 1,374 |
| Net loans and leases to core deposits | 90.8032% | 2,053 |
| Total domestic deposits to total assets | 86.5420% | 2,638 |
| Equity capital to assets | 10.9051% | 3,084 |
| Core capital (leverage) ratio | 10.7533% | 2,688 |
| Tier 1 risk-based capital ratio | 14.8341% | 3,525 |
| Total risk-based capital ratio | 15.9239% | 3,541 |
| Memoranda: | ||
| Average total assets | $82,261,500 | 4,980 |
| Average earning assets | $76,770,500 | 4,944 |
| Average equity | $8,759,000 | 5,047 |
| Average total loans | $65,203,500 | 4,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,234 |
| Cost of funding earning assets | 0.2574% | 5,247 |
| Net interest margin | 4.4735% | 785 |
| Noninterest income to average assets | 0.3669% | 4,455 |
| Noninterest expense to average assets | 3.4990% | 1,483 |
| Loan and lease loss provision to assets | 0.0471% | 3,627 |
| Net operating income to assets | 0.9965% | 2,394 |
| Return on assets (ROA) | 1.0052% | 2,440 |
| Pretax return on assets | 1.0077% | 3,464 |
| Return on Equity (ROE) | 9.4204% | 2,378 |
| Retained earnings to average equity (ytd only) | 2.0211% | 4,775 |
| Net charge-offs to loans | 0.0783% | 3,374 |
| Credit loss provision to net charge-offs | 76.0000% | 2,950 |
| Earnings coverage of net charge-offs (x) | 16.8800% | 1,973 |
| Efficiency ratio | 76.9839% | 2,353 |
| Assets per employee ($millions) | 3.6295% | 4,661 |
| Cash dividends to net income (ytd only)* | 78.5450% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 5,362 |
| Loan loss allowance to noncurrent loans | 98.8836% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 1,896 |
| Noncurrent loans to loans | 0.9422% | 2,966 |
| Net loans and leases to total assets | 78.9777% | 886 |
| Net loans and leases to deposits | 94.9945% | 993 |
| Net loans and leases to core deposits | 95.7060% | 1,751 |
| Total domestic deposits to total assets | 83.1393% | 4,025 |
| Equity capital to assets | 10.3979% | 3,612 |
| Core capital (leverage) ratio | 10.4344% | 3,017 |
| Tier 1 risk-based capital ratio | 13.4515% | 4,447 |
| Total risk-based capital ratio | 14.4271% | 4,533 |
| Memoranda: | ||
| Average total assets | $80,680,800 | 5,049 |
| Average earning assets | $75,355,000 | 5,011 |
| Average equity | $8,609,000 | 5,062 |
| Average total loans | $63,876,600 | 4,368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,334 |
| Cost of funding earning assets | 0.2602% | 5,299 |
| Net interest margin | 4.4290% | 851 |
| Noninterest income to average assets | 0.3601% | 4,554 |
| Noninterest expense to average assets | 3.5374% | 1,398 |
| Loan and lease loss provision to assets | 0.0467% | 3,453 |
| Net operating income to assets | 0.9152% | 2,836 |
| Return on assets (ROA) | 0.9269% | 2,881 |
| Pretax return on assets | 0.9302% | 3,860 |
| Return on Equity (ROE) | 8.6287% | 2,887 |
| Retained earnings to average equity (ytd only) | 3.6315% | 4,063 |
| Net charge-offs to loans | 0.0401% | 3,702 |
| Credit loss provision to net charge-offs | 147.3684% | 1,603 |
| Earnings coverage of net charge-offs (x) | 30.4769% | 1,356 |
| Efficiency ratio | 78.5635% | 2,102 |
| Assets per employee ($millions) | 3.2276% | 5,375 |
| Cash dividends to net income (ytd only)* | 57.9137% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 5,344 |
| Loan loss allowance to noncurrent loans | 87.4488% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 2,084 |
| Noncurrent loans to loans | 1.1097% | 2,849 |
| Net loans and leases to total assets | 81.0658% | 598 |
| Net loans and leases to deposits | 94.0125% | 1,041 |
| Net loans and leases to core deposits | 95.2667% | 1,735 |
| Total domestic deposits to total assets | 86.2288% | 2,739 |
| Equity capital to assets | 10.8316% | 3,150 |
| Core capital (leverage) ratio | 10.7227% | 2,793 |
| Tier 1 risk-based capital ratio | 13.7891% | 4,362 |
| Total risk-based capital ratio | 14.8159% | 4,438 |
| Memoranda: | ||
| Average total assets | $79,981,500 | 5,126 |
| Average earning assets | $74,808,000 | 5,074 |
| Average equity | $8,591,250 | 5,109 |
| Average total loans | $63,208,500 | 4,425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,345 |
| Cost of funding earning assets | 0.2618% | 5,368 |
| Net interest margin | 4.4099% | 831 |
| Noninterest income to average assets | 0.3561% | 4,570 |
| Noninterest expense to average assets | 3.5739% | 1,343 |
| Loan and lease loss provision to assets | 0.0426% | 3,463 |
| Net operating income to assets | 0.8328% | 3,165 |
| Return on assets (ROA) | 0.8502% | 3,174 |
| Pretax return on assets | 0.8552% | 4,059 |
| Return on Equity (ROE) | 7.9376% | 3,132 |
| Retained earnings to average equity (ytd only) | 2.7863% | 4,427 |
| Net charge-offs to loans | 0.0578% | 3,142 |
| Credit loss provision to net charge-offs | 94.4444% | 2,105 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,623 |
| Efficiency ratio | 80.2365% | 1,987 |
| Assets per employee ($millions) | 3.1244% | 5,556 |
| Cash dividends to net income (ytd only)* | 64.8968% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,320 |
| Loan loss allowance to noncurrent loans | 175.2778% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 2,967 |
| Noncurrent loans to loans | 0.5739% | 4,300 |
| Net loans and leases to total assets | 79.4958% | 741 |
| Net loans and leases to deposits | 93.5025% | 1,006 |
| Net loans and leases to core deposits | 94.8088% | 1,700 |
| Total domestic deposits to total assets | 85.0200% | 3,495 |
| Equity capital to assets | 11.0369% | 2,836 |
| Core capital (leverage) ratio | 10.7080% | 2,715 |
| Tier 1 risk-based capital ratio | 14.4100% | 3,985 |
| Total risk-based capital ratio | 15.4805% | 4,041 |
| Memoranda: | ||
| Average total assets | $79,745,330 | 5,162 |
| Average earning assets | $74,106,000 | 5,135 |
| Average equity | $8,541,670 | 5,152 |
| Average total loans | $62,260,330 | 4,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,424 |
| Cost of funding earning assets | 0.2581% | 5,513 |
| Net interest margin | 4.3713% | 857 |
| Noninterest income to average assets | 0.3426% | 4,637 |
| Noninterest expense to average assets | 3.5302% | 1,433 |
| Loan and lease loss provision to assets | 0.0497% | 3,104 |
| Net operating income to assets | 0.7894% | 3,202 |
| Return on assets (ROA) | 0.7894% | 3,275 |
| Pretax return on assets | 0.7994% | 4,120 |
| Return on Equity (ROE) | 7.4806% | 3,216 |
| Retained earnings to average equity (ytd only) | 2.3994% | 4,636 |
| Net charge-offs to loans | 0.1806% | 1,638 |
| Credit loss provision to net charge-offs | 35.7143% | 2,345 |
| Earnings coverage of net charge-offs (x) | 6.1071% | 2,278 |
| Efficiency ratio | 80.6122% | 2,104 |
| Assets per employee ($millions) | 3.5330% | 4,858 |
| Cash dividends to net income (ytd only)* | 67.9245% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,538 |
| Loan loss allowance to noncurrent loans | 220.8633% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 3,463 |
| Noncurrent loans to loans | 0.4507% | 4,798 |
| Net loans and leases to total assets | 75.1437% | 1,107 |
| Net loans and leases to deposits | 87.0422% | 1,461 |
| Net loans and leases to core deposits | 88.1913% | 2,072 |
| Total domestic deposits to total assets | 86.3301% | 3,193 |
| Equity capital to assets | 10.5010% | 3,243 |
| Core capital (leverage) ratio | 10.6694% | 2,739 |
| Tier 1 risk-based capital ratio | 14.2437% | 4,167 |
| Total risk-based capital ratio | 15.2817% | 4,249 |
| Memoranda: | ||
| Average total assets | $80,562,500 | 5,198 |
| Average earning assets | $74,394,000 | 5,168 |
| Average equity | $8,502,000 | 5,181 |
| Average total loans | $62,027,500 | 4,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 1,141 |
| Cost of funding earning assets | 0.2818% | 5,751 |
| Net interest margin | 4.5943% | 620 |
| Noninterest income to average assets | 0.3005% | 5,198 |
| Noninterest expense to average assets | 3.5236% | 1,605 |
| Loan and lease loss provision to assets | 0.0918% | 3,273 |
| Net operating income to assets | 0.9670% | 2,484 |
| Return on assets (ROA) | 0.9695% | 2,537 |
| Pretax return on assets | 0.9721% | 3,465 |
| Return on Equity (ROE) | 8.8625% | 2,611 |
| Retained earnings to average equity (ytd only) | -0.0690% | 5,879 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8513% | 2,647 |
| Assets per employee ($millions) | 3.3278% | 5,228 |
| Cash dividends to net income (ytd only)* | 100.7782% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 5,500 |
| Loan loss allowance to noncurrent loans | 255.8704% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 3,680 |
| Noncurrent loans to loans | 0.3960% | 5,020 |
| Net loans and leases to total assets | 77.3145% | 912 |
| Net loans and leases to deposits | 91.5165% | 1,110 |
| Net loans and leases to core deposits | 92.2190% | 1,776 |
| Total domestic deposits to total assets | 84.4815% | 3,973 |
| Equity capital to assets | 10.6065% | 3,039 |
| Core capital (leverage) ratio | 10.5686% | 2,823 |
| Tier 1 risk-based capital ratio | 14.0343% | 4,272 |
| Total risk-based capital ratio | 15.0935% | 4,351 |
| Memoranda: | ||
| Average total assets | $79,522,000 | 5,248 |
| Average earning assets | $74,157,000 | 5,189 |
| Average equity | $8,699,600 | 5,161 |
| Average total loans | $60,251,800 | 4,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 1,171 |
| Cost of funding earning assets | 0.2825% | 5,869 |
| Net interest margin | 4.5950% | 622 |
| Noninterest income to average assets | 0.3155% | 5,173 |
| Noninterest expense to average assets | 3.5802% | 1,436 |
| Loan and lease loss provision to assets | 0.0621% | 3,800 |
| Net operating income to assets | 0.9567% | 2,549 |
| Return on assets (ROA) | 0.9601% | 2,645 |
| Pretax return on assets | 0.9634% | 3,633 |
| Return on Equity (ROE) | 8.7093% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.1714% | 1,800 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7899% | 2,452 |
| Assets per employee ($millions) | 3.1565% | 5,575 |
| Cash dividends to net income (ytd only)* | 17.6569% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,919 |
| Loan loss allowance to noncurrent loans | 209.8592% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 3,583 |
| Noncurrent loans to loans | 0.4528% | 5,060 |
| Net loans and leases to total assets | 78.7231% | 680 |
| Net loans and leases to deposits | 92.2430% | 966 |
| Net loans and leases to core deposits | 92.9511% | 1,678 |
| Total domestic deposits to total assets | 85.3432% | 3,567 |
| Equity capital to assets | 11.3582% | 2,421 |
| Core capital (leverage) ratio | 11.2438% | 2,256 |
| Tier 1 risk-based capital ratio | 14.7200% | 3,935 |
| Total risk-based capital ratio | 15.7111% | 4,057 |
| Memoranda: | ||
| Average total assets | $79,436,000 | 5,300 |
| Average earning assets | $74,108,500 | 5,244 |
| Average equity | $8,756,750 | 5,200 |
| Average total loans | $59,719,750 | 4,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 1,280 |
| Cost of funding earning assets | 0.2853% | 5,941 |
| Net interest margin | 4.5385% | 662 |
| Noninterest income to average assets | 0.3291% | 5,064 |
| Noninterest expense to average assets | 3.5925% | 1,423 |
| Loan and lease loss provision to assets | 0.0779% | 3,503 |
| Net operating income to assets | 0.8894% | 2,848 |
| Return on assets (ROA) | 0.8944% | 2,974 |
| Pretax return on assets | 0.8994% | 3,911 |
| Return on Equity (ROE) | 8.1952% | 2,994 |
| Retained earnings to average equity (ytd only) | 6.6759% | 2,053 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7012% | 2,348 |
| Assets per employee ($millions) | 3.2018% | 5,472 |
| Cash dividends to net income (ytd only)* | 18.5393% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,848 |
| Loan loss allowance to noncurrent loans | 247.8992% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 3,452 |
| Noncurrent loans to loans | 0.4013% | 5,260 |
| Net loans and leases to total assets | 73.3612% | 1,348 |
| Net loans and leases to deposits | 85.4760% | 1,631 |
| Net loans and leases to core deposits | 86.1203% | 2,326 |
| Total domestic deposits to total assets | 85.8267% | 3,457 |
| Equity capital to assets | 10.9701% | 2,783 |
| Core capital (leverage) ratio | 11.3178% | 2,082 |
| Tier 1 risk-based capital ratio | 14.6492% | 3,999 |
| Total risk-based capital ratio | 15.6460% | 4,123 |
| Memoranda: | ||
| Average total assets | $79,610,670 | 5,329 |
| Average earning assets | $74,298,330 | 5,268 |
| Average equity | $8,688,000 | 5,249 |
| Average total loans | $58,720,330 | 4,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 1,095 |
| Cost of funding earning assets | 0.2982% | 5,977 |
| Net interest margin | 4.5982% | 562 |
| Noninterest income to average assets | 0.3527% | 4,856 |
| Noninterest expense to average assets | 3.6174% | 1,389 |
| Loan and lease loss provision to assets | 0.1260% | 2,658 |
| Net operating income to assets | 0.8716% | 2,798 |
| Return on assets (ROA) | 0.8716% | 2,948 |
| Pretax return on assets | 0.8817% | 3,827 |
| Return on Equity (ROE) | 8.0079% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.3878% | 2,463 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2135% | 2,575 |
| Assets per employee ($millions) | 3.0966% | 5,834 |
| Cash dividends to net income (ytd only)* | 20.2312% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,040 |
| Loan loss allowance to noncurrent loans | 241.3223% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 3,146 |
| Noncurrent loans to loans | 0.4077% | 5,397 |
| Net loans and leases to total assets | 75.9259% | 851 |
| Net loans and leases to deposits | 88.9834% | 1,050 |
| Net loans and leases to core deposits | 89.6785% | 1,730 |
| Total domestic deposits to total assets | 85.3258% | 3,881 |
| Equity capital to assets | 11.2407% | 2,687 |
| Core capital (leverage) ratio | 10.7238% | 2,526 |
| Tier 1 risk-based capital ratio | 14.6186% | 4,095 |
| Total risk-based capital ratio | 15.6208% | 4,224 |
| Memoranda: | ||
| Average total assets | $79,393,500 | 5,382 |
| Average earning assets | $73,767,500 | 5,329 |
| Average equity | $8,641,500 | 5,323 |
| Average total loans | $58,424,500 | 4,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3060% | 919 |
| Cost of funding earning assets | 0.4268% | 5,741 |
| Net interest margin | 4.8792% | 468 |
| Noninterest income to average assets | 0.3135% | 5,209 |
| Noninterest expense to average assets | 3.4549% | 1,939 |
| Loan and lease loss provision to assets | 0.9381% | 459 |
| Net operating income to assets | 0.4439% | 4,906 |
| Return on assets (ROA) | 0.4439% | 5,157 |
| Pretax return on assets | 0.4463% | 5,441 |
| Return on Equity (ROE) | 4.2222% | 5,054 |
| Retained earnings to average equity (ytd only) | 1.9064% | 4,879 |
| Net charge-offs to loans | 1.3584% | 693 |
| Credit loss provision to net charge-offs | 90.8333% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.3405% | 4,789 |
| Efficiency ratio | 71.3923% | 3,538 |
| Assets per employee ($millions) | 3.2549% | 5,503 |
| Cash dividends to net income (ytd only)* | 54.8476% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,056 |
| Loan loss allowance to noncurrent loans | 1,510.8108% | 337 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 3,819 |
| Noncurrent loans to loans | 0.0644% | 6,328 |
| Net loans and leases to total assets | 69.9602% | 1,846 |
| Net loans and leases to deposits | 82.2790% | 1,963 |
| Net loans and leases to core deposits | 83.2548% | 2,636 |
| Total domestic deposits to total assets | 85.0280% | 3,850 |
| Equity capital to assets | 10.5454% | 3,475 |
| Core capital (leverage) ratio | 10.0670% | 3,312 |
| Tier 1 risk-based capital ratio | 14.4890% | 4,041 |
| Total risk-based capital ratio | 15.4554% | 4,201 |
| Memoranda: | ||
| Average total assets | $81,333,600 | 5,319 |
| Average earning assets | $75,442,800 | 5,263 |
| Average equity | $8,550,000 | 5,349 |
| Average total loans | $61,835,200 | 4,642 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 878 |
| Cost of funding earning assets | 0.4393% | 5,869 |
| Net interest margin | 4.9350% | 445 |
| Noninterest income to average assets | 0.3115% | 5,294 |
| Noninterest expense to average assets | 3.4593% | 1,861 |
| Loan and lease loss provision to assets | 1.1854% | 308 |
| Net operating income to assets | 0.2492% | 5,785 |
| Return on assets (ROA) | 0.2492% | 5,977 |
| Pretax return on assets | 0.2525% | 6,040 |
| Return on Equity (ROE) | 2.3724% | 5,925 |
| Retained earnings to average equity (ytd only) | -0.7180% | 6,222 |
| Net charge-offs to loans | 1.7587% | 455 |
| Credit loss provision to net charge-offs | 87.1084% | 3,390 |
| Earnings coverage of net charge-offs (x) | 1.0566% | 4,784 |
| Efficiency ratio | 70.6394% | 3,568 |
| Assets per employee ($millions) | 3.3274% | 5,373 |
| Cash dividends to net income (ytd only)* | 130.2625% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,444 |
| Loan loss allowance to noncurrent loans | 161.7737% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 3,626 |
| Noncurrent loans to loans | 0.5411% | 5,360 |
| Net loans and leases to total assets | 72.0187% | 1,554 |
| Net loans and leases to deposits | 84.8015% | 1,763 |
| Net loans and leases to core deposits | 86.4000% | 2,416 |
| Total domestic deposits to total assets | 84.9262% | 3,773 |
| Equity capital to assets | 10.1053% | 4,347 |
| Core capital (leverage) ratio | 10.1346% | 3,361 |
| Tier 1 risk-based capital ratio | 13.2841% | 5,033 |
| Total risk-based capital ratio | 14.1441% | 5,296 |
| Memoranda: | ||
| Average total assets | $81,324,000 | 5,372 |
| Average earning assets | $75,566,750 | 5,307 |
| Average equity | $8,542,250 | 5,406 |
| Average total loans | $62,922,250 | 4,643 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 652 |
| Cost of funding earning assets | 0.4661% | 5,858 |
| Net interest margin | 5.0797% | 349 |
| Noninterest income to average assets | 0.3321% | 5,172 |
| Noninterest expense to average assets | 3.6405% | 1,488 |
| Loan and lease loss provision to assets | 0.1239% | 3,977 |
| Net operating income to assets | 1.2887% | 1,469 |
| Return on assets (ROA) | 1.2887% | 1,624 |
| Pretax return on assets | 1.2936% | 2,582 |
| Return on Equity (ROE) | 12.1104% | 1,633 |
| Retained earnings to average equity (ytd only) | 7.6156% | 1,804 |
| Net charge-offs to loans | 0.1224% | 3,949 |
| Credit loss provision to net charge-offs | 128.2051% | 2,150 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,696 |
| Efficiency ratio | 71.9745% | 3,437 |
| Assets per employee ($millions) | 3.1255% | 5,789 |
| Cash dividends to net income (ytd only)* | 37.1154% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,179 |
| Loan loss allowance to noncurrent loans | 136.7865% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 4,616 |
| Noncurrent loans to loans | 0.7278% | 5,049 |
| Net loans and leases to total assets | 82.3464% | 318 |
| Net loans and leases to deposits | 99.1907% | 457 |
| Net loans and leases to core deposits | 102.3999% | 954 |
| Total domestic deposits to total assets | 83.0183% | 4,749 |
| Equity capital to assets | 11.1970% | 2,897 |
| Core capital (leverage) ratio | 11.0184% | 2,277 |
| Tier 1 risk-based capital ratio | 13.7852% | 4,606 |
| Total risk-based capital ratio | 14.8289% | 4,730 |
| Memoranda: | ||
| Average total assets | $80,704,000 | 5,412 |
| Average earning assets | $75,083,670 | 5,355 |
| Average equity | $8,587,670 | 5,388 |
| Average total loans | $63,750,670 | 4,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 484 |
| Cost of funding earning assets | 0.5074% | 5,766 |
| Net interest margin | 5.2272% | 286 |
| Noninterest income to average assets | 0.3903% | 4,740 |
| Noninterest expense to average assets | 3.7372% | 1,319 |
| Loan and lease loss provision to assets | 0.1220% | 3,818 |
| Net operating income to assets | 1.3465% | 1,331 |
| Return on assets (ROA) | 1.3465% | 1,488 |
| Pretax return on assets | 1.3563% | 2,348 |
| Return on Equity (ROE) | 12.9775% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.7928% | 1,664 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6558% | 3,507 |
| Assets per employee ($millions) | 3.1338% | 5,894 |
| Cash dividends to net income (ytd only)* | 32.2464% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,083 |
| Loan loss allowance to noncurrent loans | 151.6055% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,373 |
| Noncurrent loans to loans | 0.6920% | 5,282 |
| Net loans and leases to total assets | 79.5813% | 451 |
| Net loans and leases to deposits | 95.7550% | 553 |
| Net loans and leases to core deposits | 98.4525% | 1,094 |
| Total domestic deposits to total assets | 83.1093% | 4,880 |
| Equity capital to assets | 10.9656% | 2,942 |
| Core capital (leverage) ratio | 10.2744% | 3,028 |
| Tier 1 risk-based capital ratio | 14.1510% | 4,357 |
| Total risk-based capital ratio | 15.2638% | 4,426 |
| Memoranda: | ||
| Average total assets | $81,987,500 | 5,415 |
| Average earning assets | $75,681,500 | 5,375 |
| Average equity | $8,507,000 | 5,427 |
| Average total loans | $63,131,000 | 4,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7189% | 753 |
| Cost of funding earning assets | 0.6149% | 6,015 |
| Net interest margin | 5.1040% | 338 |
| Noninterest income to average assets | 0.3967% | 4,643 |
| Noninterest expense to average assets | 3.6464% | 1,647 |
| Loan and lease loss provision to assets | 0.1206% | 5,092 |
| Net operating income to assets | 1.3819% | 1,057 |
| Return on assets (ROA) | 1.3590% | 1,206 |
| Pretax return on assets | 1.3614% | 1,907 |
| Return on Equity (ROE) | 13.5898% | 1,035 |
| Retained earnings to average equity (ytd only) | 2.6287% | 4,355 |
| Net charge-offs to loans | 0.1361% | 5,051 |
| Credit loss provision to net charge-offs | 112.3596% | 2,941 |
| Earnings coverage of net charge-offs (x) | 14.0225% | 1,492 |
| Efficiency ratio | 70.7865% | 3,814 |
| Assets per employee ($millions) | 3.4252% | 5,190 |
| Cash dividends to net income (ytd only)* | 80.6566% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,196 |
| Loan loss allowance to noncurrent loans | 254.4000% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,025 |
| Noncurrent loans to loans | 0.3952% | 5,922 |
| Net loans and leases to total assets | 73.1251% | 1,430 |
| Net loans and leases to deposits | 86.8571% | 1,555 |
| Net loans and leases to core deposits | 92.0581% | 1,879 |
| Total domestic deposits to total assets | 84.1901% | 4,239 |
| Equity capital to assets | 9.8365% | 4,387 |
| Core capital (leverage) ratio | 9.3802% | 4,210 |
| Tier 1 risk-based capital ratio | 13.2779% | 4,855 |
| Total risk-based capital ratio | 14.3053% | 5,001 |
| Memoranda: | ||
| Average total assets | $82,931,200 | 5,367 |
| Average earning assets | $77,253,000 | 5,307 |
| Average equity | $8,293,000 | 5,477 |
| Average total loans | $65,382,800 | 4,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 752 |
| Cost of funding earning assets | 0.6301% | 6,131 |
| Net interest margin | 5.1358% | 317 |
| Noninterest income to average assets | 0.3777% | 4,847 |
| Noninterest expense to average assets | 3.6778% | 1,542 |
| Loan and lease loss provision to assets | 0.1216% | 4,915 |
| Net operating income to assets | 1.3843% | 1,191 |
| Return on assets (ROA) | 1.3535% | 1,343 |
| Pretax return on assets | 1.3567% | 2,097 |
| Return on Equity (ROE) | 13.4775% | 1,164 |
| Retained earnings to average equity (ytd only) | 5.3425% | 2,956 |
| Net charge-offs to loans | 0.1800% | 4,359 |
| Credit loss provision to net charge-offs | 84.2697% | 3,993 |
| Earnings coverage of net charge-offs (x) | 10.4610% | 1,914 |
| Efficiency ratio | 70.9063% | 3,760 |
| Assets per employee ($millions) | 3.4243% | 5,185 |
| Cash dividends to net income (ytd only)* | 60.3588% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 6,478 |
| Loan loss allowance to noncurrent loans | 292.3445% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 6,244 |
| Noncurrent loans to loans | 0.3222% | 6,205 |
| Net loans and leases to total assets | 75.0698% | 1,133 |
| Net loans and leases to deposits | 89.4134% | 1,276 |
| Net loans and leases to core deposits | 95.7693% | 1,627 |
| Total domestic deposits to total assets | 83.9581% | 4,249 |
| Equity capital to assets | 9.9630% | 4,391 |
| Core capital (leverage) ratio | 10.1467% | 3,247 |
| Tier 1 risk-based capital ratio | 13.1268% | 5,005 |
| Total risk-based capital ratio | 14.0895% | 5,192 |
| Memoranda: | ||
| Average total assets | $82,256,500 | 5,427 |
| Average earning assets | $77,025,500 | 5,355 |
| Average equity | $8,260,500 | 5,524 |
| Average total loans | $65,915,250 | 4,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8233% | 685 |
| Cost of funding earning assets | 0.6456% | 6,247 |
| Net interest margin | 5.1778% | 289 |
| Noninterest income to average assets | 0.4116% | 4,578 |
| Noninterest expense to average assets | 3.7590% | 1,428 |
| Loan and lease loss provision to assets | 0.1232% | 4,745 |
| Net operating income to assets | 1.4099% | 1,059 |
| Return on assets (ROA) | 1.3631% | 1,229 |
| Pretax return on assets | 1.3655% | 1,902 |
| Return on Equity (ROE) | 13.5357% | 1,077 |
| Retained earnings to average equity (ytd only) | 4.9688% | 3,026 |
| Net charge-offs to loans | 0.0030% | 5,844 |
| Credit loss provision to net charge-offs | 5,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 47 |
| Efficiency ratio | 70.9963% | 3,931 |
| Assets per employee ($millions) | 3.1177% | 5,839 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,323 |
| Loan loss allowance to noncurrent loans | 1,021.2121% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,896 |
| Noncurrent loans to loans | 0.0982% | 6,727 |
| Net loans and leases to total assets | 82.1196% | 359 |
| Net loans and leases to deposits | 99.8530% | 503 |
| Net loans and leases to core deposits | 106.2946% | 914 |
| Total domestic deposits to total assets | 82.2405% | 5,083 |
| Equity capital to assets | 10.2873% | 3,765 |
| Core capital (leverage) ratio | 10.1696% | 3,067 |
| Tier 1 risk-based capital ratio | 12.8077% | 5,085 |
| Total risk-based capital ratio | 13.8600% | 5,218 |
| Memoranda: | ||
| Average total assets | $81,139,670 | 5,521 |
| Average earning assets | $76,519,670 | 5,413 |
| Average equity | $8,171,000 | 5,557 |
| Average total loans | $66,261,670 | 4,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 512 |
| Cost of funding earning assets | 0.6695% | 6,299 |
| Net interest margin | 5.2933% | 225 |
| Noninterest income to average assets | 0.3203% | 5,358 |
| Noninterest expense to average assets | 3.6955% | 1,544 |
| Loan and lease loss provision to assets | 0.1232% | 4,463 |
| Net operating income to assets | 1.4831% | 900 |
| Return on assets (ROA) | 1.4831% | 944 |
| Pretax return on assets | 1.4881% | 1,480 |
| Return on Equity (ROE) | 14.8881% | 838 |
| Retained earnings to average equity (ytd only) | 5.6881% | 2,803 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6379% | 4,351 |
| Assets per employee ($millions) | 3.2594% | 5,578 |
| Cash dividends to net income (ytd only)* | 61.7940% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,356 |
| Loan loss allowance to noncurrent loans | 773.8095% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 6,511 |
| Noncurrent loans to loans | 0.1305% | 6,720 |
| Net loans and leases to total assets | 78.2119% | 703 |
| Net loans and leases to deposits | 93.5570% | 868 |
| Net loans and leases to core deposits | 103.3001% | 1,109 |
| Total domestic deposits to total assets | 83.5982% | 4,664 |
| Equity capital to assets | 10.0399% | 3,729 |
| Core capital (leverage) ratio | 10.0611% | 3,076 |
| Tier 1 risk-based capital ratio | 13.2066% | 4,661 |
| Total risk-based capital ratio | 14.2643% | 4,799 |
| Memoranda: | ||
| Average total assets | $81,179,000 | 5,559 |
| Average earning assets | $76,474,500 | 5,461 |
| Average equity | $8,087,000 | 5,580 |
| Average total loans | $65,772,000 | 4,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1804% | 594 |
| Cost of funding earning assets | 0.8071% | 6,538 |
| Net interest margin | 5.3732% | 211 |
| Noninterest income to average assets | 0.2777% | 5,792 |
| Noninterest expense to average assets | 3.6502% | 1,807 |
| Loan and lease loss provision to assets | 0.1710% | 5,513 |
| Net operating income to assets | 1.5159% | 736 |
| Return on assets (ROA) | 1.5171% | 797 |
| Pretax return on assets | 1.5195% | 1,326 |
| Return on Equity (ROE) | 15.3988% | 663 |
| Retained earnings to average equity (ytd only) | 3.6189% | 3,329 |
| Net charge-offs to loans | 0.0396% | 6,412 |
| Credit loss provision to net charge-offs | 522.2222% | 437 |
| Earnings coverage of net charge-offs (x) | 51.5926% | 453 |
| Efficiency ratio | 68.3625% | 4,489 |
| Assets per employee ($millions) | 3.2349% | 5,581 |
| Cash dividends to net income (ytd only)* | 76.4988% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,637 |
| Loan loss allowance to noncurrent loans | 726.7442% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 6,539 |
| Noncurrent loans to loans | 0.1280% | 6,817 |
| Net loans and leases to total assets | 82.2747% | 429 |
| Net loans and leases to deposits | 99.7018% | 597 |
| Net loans and leases to core deposits | 112.3440% | 795 |
| Total domestic deposits to total assets | 82.5207% | 5,011 |
| Equity capital to assets | 9.8834% | 3,897 |
| Core capital (leverage) ratio | 9.5915% | 3,570 |
| Tier 1 risk-based capital ratio | 12.7451% | 4,825 |
| Total risk-based capital ratio | 13.7407% | 5,017 |
| Memoranda: | ||
| Average total assets | $82,461,200 | 5,511 |
| Average earning assets | $77,681,400 | 5,425 |
| Average equity | $8,124,000 | 5,676 |
| Average total loans | $68,253,200 | 4,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1479% | 686 |
| Cost of funding earning assets | 0.8189% | 6,692 |
| Net interest margin | 5.3290% | 226 |
| Noninterest income to average assets | 0.2784% | 5,878 |
| Noninterest expense to average assets | 3.5578% | 1,886 |
| Loan and lease loss provision to assets | 0.1867% | 5,175 |
| Net operating income to assets | 1.5464% | 835 |
| Return on assets (ROA) | 1.5480% | 909 |
| Pretax return on assets | 1.5512% | 1,474 |
| Return on Equity (ROE) | 15.7248% | 744 |
| Retained earnings to average equity (ytd only) | 11.6546% | 504 |
| Net charge-offs to loans | -0.0175% | 7,336 |
| Credit loss provision to net charge-offs | -1,288.8889% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2036% | 4,623 |
| Assets per employee ($millions) | 3.3287% | 5,384 |
| Cash dividends to net income (ytd only)* | 25.8835% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 6,651 |
| Loan loss allowance to noncurrent loans | 349.4505% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 6,097 |
| Noncurrent loans to loans | 0.2656% | 6,653 |
| Net loans and leases to total assets | 81.5843% | 551 |
| Net loans and leases to deposits | 99.1776% | 707 |
| Net loans and leases to core deposits | 113.5337% | 860 |
| Total domestic deposits to total assets | 82.2608% | 4,885 |
| Equity capital to assets | 10.2407% | 3,831 |
| Core capital (leverage) ratio | 9.9400% | 3,309 |
| Tier 1 risk-based capital ratio | 12.9631% | 4,605 |
| Total risk-based capital ratio | 13.9424% | 4,802 |
| Memoranda: | ||
| Average total assets | $82,858,250 | 5,569 |
| Average earning assets | $77,986,750 | 5,485 |
| Average equity | $8,156,750 | 5,740 |
| Average total loans | $68,525,750 | 4,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1593% | 675 |
| Cost of funding earning assets | 0.8226% | 6,841 |
| Net interest margin | 5.3367% | 233 |
| Noninterest income to average assets | 0.2441% | 6,163 |
| Noninterest expense to average assets | 3.5920% | 1,800 |
| Loan and lease loss provision to assets | 0.1209% | 5,690 |
| Net operating income to assets | 1.5470% | 822 |
| Return on assets (ROA) | 1.5470% | 876 |
| Pretax return on assets | 1.5495% | 1,435 |
| Return on Equity (ROE) | 15.9303% | 711 |
| Retained earnings to average equity (ytd only) | 11.7735% | 521 |
| Net charge-offs to loans | -0.0263% | 7,326 |
| Credit loss provision to net charge-offs | -555.5556% | 6,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2591% | 4,531 |
| Assets per employee ($millions) | 3.1473% | 5,795 |
| Cash dividends to net income (ytd only)* | 26.0938% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 7,014 |
| Loan loss allowance to noncurrent loans | 293.8144% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 5,746 |
| Noncurrent loans to loans | 0.2751% | 6,680 |
| Net loans and leases to total assets | 82.3164% | 506 |
| Net loans and leases to deposits | 99.9200% | 732 |
| Net loans and leases to core deposits | 115.4024% | 867 |
| Total domestic deposits to total assets | 82.3823% | 4,832 |
| Equity capital to assets | 9.7415% | 4,354 |
| Core capital (leverage) ratio | 9.9356% | 3,238 |
| Tier 1 risk-based capital ratio | 12.1842% | 5,143 |
| Total risk-based capital ratio | 13.0332% | 5,471 |
| Memoranda: | ||
| Average total assets | $82,738,670 | 5,601 |
| Average earning assets | $77,801,330 | 5,516 |
| Average equity | $8,035,000 | 5,789 |
| Average total loans | $68,525,000 | 4,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1777% | 672 |
| Cost of funding earning assets | 0.8550% | 6,922 |
| Net interest margin | 5.3227% | 234 |
| Noninterest income to average assets | 0.3529% | 5,316 |
| Noninterest expense to average assets | 3.6560% | 1,604 |
| Loan and lease loss provision to assets | 0.1225% | 5,357 |
| Net operating income to assets | 1.5732% | 788 |
| Return on assets (ROA) | 1.5732% | 843 |
| Pretax return on assets | 1.5781% | 1,319 |
| Return on Equity (ROE) | 16.2254% | 688 |
| Retained earnings to average equity (ytd only) | 12.0806% | 736 |
| Net charge-offs to loans | -0.0118% | 6,931 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2525% | 4,672 |
| Assets per employee ($millions) | 3.2641% | 5,619 |
| Cash dividends to net income (ytd only)* | 25.5452% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 7,162 |
| Loan loss allowance to noncurrent loans | 266.3366% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 5,553 |
| Noncurrent loans to loans | 0.2944% | 6,733 |
| Net loans and leases to total assets | 83.4122% | 442 |
| Net loans and leases to deposits | 101.0586% | 689 |
| Net loans and leases to core deposits | 107.7181% | 1,440 |
| Total domestic deposits to total assets | 82.5384% | 4,834 |
| Equity capital to assets | 9.8515% | 4,053 |
| Core capital (leverage) ratio | 9.7420% | 3,462 |
| Tier 1 risk-based capital ratio | 11.6036% | 5,574 |
| Total risk-based capital ratio | 12.3892% | 5,986 |
| Memoranda: | ||
| Average total assets | $81,619,500 | 5,719 |
| Average earning assets | $76,727,500 | 5,614 |
| Average equity | $7,913,500 | 5,877 |
| Average total loans | $67,527,500 | 4,948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4283% | 776 |
| Cost of funding earning assets | 1.2446% | 6,491 |
| Net interest margin | 5.1837% | 305 |
| Noninterest income to average assets | 0.2494% | 6,320 |
| Noninterest expense to average assets | 3.5647% | 2,233 |
| Loan and lease loss provision to assets | 0.0036% | 7,414 |
| Net operating income to assets | 1.5634% | 595 |
| Return on assets (ROA) | 1.4660% | 787 |
| Pretax return on assets | 1.4685% | 1,264 |
| Return on Equity (ROE) | 15.8674% | 571 |
| Retained earnings to average equity (ytd only) | 4.6746% | 1,989 |
| Net charge-offs to loans | 0.1140% | 6,026 |
| Credit loss provision to net charge-offs | 3.7975% | 6,998 |
| Earnings coverage of net charge-offs (x) | 16.3291% | 1,256 |
| Efficiency ratio | 69.4313% | 4,743 |
| Assets per employee ($millions) | 3.4015% | 5,250 |
| Cash dividends to net income (ytd only)* | 70.5394% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 7,210 |
| Loan loss allowance to noncurrent loans | 288.7006% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,602 |
| Noncurrent loans to loans | 0.2664% | 6,760 |
| Net loans and leases to total assets | 80.7722% | 869 |
| Net loans and leases to deposits | 99.0060% | 996 |
| Net loans and leases to core deposits | 112.5352% | 2,641 |
| Total domestic deposits to total assets | 81.5831% | 5,116 |
| Equity capital to assets | 9.5398% | 4,370 |
| Core capital (leverage) ratio | 9.3799% | 3,859 |
| Tier 1 risk-based capital ratio | 11.5307% | 5,366 |
| Total risk-based capital ratio | 12.2952% | 5,845 |
| Memoranda: | ||
| Average total assets | $82,194,200 | 5,659 |
| Average earning assets | $77,454,400 | 5,546 |
| Average equity | $7,594,200 | 6,055 |
| Average total loans | $69,268,200 | 4,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4652% | 809 |
| Cost of funding earning assets | 1.3183% | 6,498 |
| Net interest margin | 5.1468% | 332 |
| Noninterest income to average assets | 0.2316% | 6,570 |
| Noninterest expense to average assets | 3.5205% | 2,227 |
| Loan and lease loss provision to assets | 0.0049% | 7,265 |
| Net operating income to assets | 1.5773% | 692 |
| Return on assets (ROA) | 1.4477% | 982 |
| Pretax return on assets | 1.4510% | 1,556 |
| Return on Equity (ROE) | 15.7966% | 682 |
| Retained earnings to average equity (ytd only) | 9.8066% | 671 |
| Net charge-offs to loans | 0.1543% | 5,174 |
| Credit loss provision to net charge-offs | 3.7037% | 6,646 |
| Earnings coverage of net charge-offs (x) | 12.0861% | 1,796 |
| Efficiency ratio | 68.9502% | 4,797 |
| Assets per employee ($millions) | 3.0219% | 6,103 |
| Cash dividends to net income (ytd only)* | 37.9196% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 7,247 |
| Loan loss allowance to noncurrent loans | 330.5195% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 5,715 |
| Noncurrent loans to loans | 0.2284% | 6,929 |
| Net loans and leases to total assets | 82.0056% | 814 |
| Net loans and leases to deposits | 100.1182% | 1,090 |
| Net loans and leases to core deposits | 115.4178% | 2,679 |
| Total domestic deposits to total assets | 81.9088% | 4,707 |
| Equity capital to assets | 9.7742% | 4,383 |
| Core capital (leverage) ratio | 9.6314% | 3,737 |
| Tier 1 risk-based capital ratio | 11.8358% | 5,119 |
| Total risk-based capital ratio | 12.5977% | 5,528 |
| Memoranda: | ||
| Average total assets | $82,333,500 | 5,681 |
| Average earning assets | $77,975,000 | 5,560 |
| Average equity | $7,545,750 | 6,130 |
| Average total loans | $69,972,500 | 4,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4853% | 850 |
| Cost of funding earning assets | 1.4145% | 6,433 |
| Net interest margin | 5.0708% | 372 |
| Noninterest income to average assets | 0.3221% | 5,932 |
| Noninterest expense to average assets | 3.5287% | 2,258 |
| Loan and lease loss provision to assets | 0.0073% | 7,121 |
| Net operating income to assets | 1.5936% | 691 |
| Return on assets (ROA) | 1.4483% | 995 |
| Pretax return on assets | 1.4507% | 1,586 |
| Return on Equity (ROE) | 16.1563% | 674 |
| Retained earnings to average equity (ytd only) | 9.5101% | 812 |
| Net charge-offs to loans | -0.0028% | 7,492 |
| Credit loss provision to net charge-offs | -300.0000% | 7,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7588% | 5,016 |
| Assets per employee ($millions) | 3.0789% | 5,918 |
| Cash dividends to net income (ytd only)* | 41.1371% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 7,022 |
| Loan loss allowance to noncurrent loans | 92.1997% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 4,479 |
| Noncurrent loans to loans | 0.9100% | 5,399 |
| Net loans and leases to total assets | 84.0252% | 636 |
| Net loans and leases to deposits | 103.2749% | 967 |
| Net loans and leases to core deposits | 119.8254% | 2,389 |
| Total domestic deposits to total assets | 81.3607% | 4,942 |
| Equity capital to assets | 9.1542% | 5,091 |
| Core capital (leverage) ratio | 9.3774% | 4,058 |
| Tier 1 risk-based capital ratio | 11.1895% | 5,683 |
| Total risk-based capital ratio | 12.0479% | 6,022 |
| Memoranda: | ||
| Average total assets | $82,580,670 | 5,708 |
| Average earning assets | $78,331,000 | 5,589 |
| Average equity | $7,402,670 | 6,219 |
| Average total loans | $70,823,670 | 4,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5244% | 823 |
| Cost of funding earning assets | 1.5115% | 6,369 |
| Net interest margin | 5.0129% | 391 |
| Noninterest income to average assets | 0.3451% | 5,691 |
| Noninterest expense to average assets | 3.4457% | 2,243 |
| Loan and lease loss provision to assets | 0.0146% | 6,666 |
| Net operating income to assets | 1.6670% | 695 |
| Return on assets (ROA) | 1.5212% | 973 |
| Pretax return on assets | 1.5260% | 1,593 |
| Return on Equity (ROE) | 17.1530% | 669 |
| Retained earnings to average equity (ytd only) | 10.4124% | 1,094 |
| Net charge-offs to loans | 0.0056% | 5,612 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 107 |
| Efficiency ratio | 67.1402% | 5,112 |
| Assets per employee ($millions) | 3.0238% | 6,088 |
| Cash dividends to net income (ytd only)* | 39.2971% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,998 |
| Loan loss allowance to noncurrent loans | 163.6111% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 4,711 |
| Noncurrent loans to loans | 0.5152% | 6,139 |
| Net loans and leases to total assets | 84.8585% | 567 |
| Net loans and leases to deposits | 102.8641% | 1,107 |
| Net loans and leases to core deposits | 118.8537% | 2,518 |
| Total domestic deposits to total assets | 82.4957% | 4,375 |
| Equity capital to assets | 9.0994% | 5,231 |
| Core capital (leverage) ratio | 9.0664% | 4,602 |
| Tier 1 risk-based capital ratio | 11.0405% | 5,871 |
| Total risk-based capital ratio | 11.9027% | 6,149 |
| Memoranda: | ||
| Average total assets | $82,305,500 | 5,726 |
| Average earning assets | $78,597,500 | 5,600 |
| Average equity | $7,299,000 | 6,298 |
| Average total loans | $71,014,500 | 4,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7731% | 1,779 |
| Cost of funding earning assets | 1.8132% | 6,967 |
| Net interest margin | 4.9599% | 557 |
| Noninterest income to average assets | 0.4183% | 5,314 |
| Noninterest expense to average assets | 3.4308% | 2,577 |
| Loan and lease loss provision to assets | -0.1245% | 8,261 |
| Net operating income to assets | 1.7951% | 558 |
| Return on assets (ROA) | 1.4527% | 1,071 |
| Pretax return on assets | 1.4552% | 1,806 |
| Return on Equity (ROE) | 16.1585% | 749 |
| Retained earnings to average equity (ytd only) | 4.1954% | 2,511 |
| Net charge-offs to loans | 0.0135% | 6,714 |
| Credit loss provision to net charge-offs | -1,111.1111% | 7,443 |
| Earnings coverage of net charge-offs (x) | 149.3333% | 305 |
| Efficiency ratio | 67.2195% | 4,870 |
| Assets per employee ($millions) | 3.0729% | 5,857 |
| Cash dividends to net income (ytd only)* | 74.0360% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 7,051 |
| Loan loss allowance to noncurrent loans | 195.6667% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 4,662 |
| Noncurrent loans to loans | 0.4157% | 6,099 |
| Net loans and leases to total assets | 86.2646% | 576 |
| Net loans and leases to deposits | 102.9857% | 1,470 |
| Net loans and leases to core deposits | 115.4294% | 3,192 |
| Total domestic deposits to total assets | 83.7636% | 3,450 |
| Equity capital to assets | 8.6407% | 5,880 |
| Core capital (leverage) ratio | 8.9545% | 4,801 |
| Tier 1 risk-based capital ratio | 10.5830% | 6,123 |
| Total risk-based capital ratio | 11.4280% | 6,407 |
| Memoranda: | ||
| Average total assets | $80,331,800 | 5,691 |
| Average earning assets | $75,888,000 | 5,592 |
| Average equity | $7,222,200 | 6,375 |
| Average total loans | $66,881,600 | 4,984 |