Home > The State Bank of Hildreth > Performance and Condition Ratios
The State Bank of Hildreth, Performance and Condition Ratios
| 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 | 4.0840% | 2,925 |
| Cost of funding earning assets | 0.5499% | 1,700 |
| Net interest margin | 3.5341% | 3,351 |
| Noninterest income to average assets | 0.1624% | 5,507 |
| Noninterest expense to average assets | 2.2616% | 4,709 |
| Loan and lease loss provision to assets | 0.0937% | 2,279 |
| Net operating income to assets | 1.0621% | 2,112 |
| Return on assets (ROA) | 1.1183% | 2,011 |
| Pretax return on assets | 1.1558% | 2,963 |
| Return on Equity (ROE) | 11.3483% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.8614% | 1,216 |
| Net charge-offs to loans | -0.1039% | 5,639 |
| Credit loss provision to net charge-offs | -125.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4611% | 3,767 |
| Assets per employee ($millions) | 4.3963% | 3,223 |
| Cash dividends to net income (ytd only)* | 30.7263% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,054 |
| Loan loss allowance to noncurrent loans | 184.1060% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 3,570 |
| Noncurrent loans to loans | 0.6806% | 3,029 |
| Net loans and leases to total assets | 71.1900% | 2,301 |
| Net loans and leases to deposits | 84.1935% | 2,440 |
| Net loans and leases to core deposits | 97.0110% | 1,890 |
| Total domestic deposits to total assets | 84.5551% | 3,075 |
| Equity capital to assets | 10.4861% | 3,646 |
| Core capital (leverage) ratio | 10.4318% | 3,041 |
| Tier 1 risk-based capital ratio | 11.7750% | 4,990 |
| Total risk-based capital ratio | 12.7923% | 5,013 |
| Memoranda: | ||
| Average total assets | $32,013,000 | 5,819 |
| Average earning assets | $29,824,000 | 5,793 |
| Average equity | $3,154,670 | 5,871 |
| Average total loans | $23,104,330 | 5,535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,260 |
| Cost of funding earning assets | 0.5266% | 1,896 |
| Net interest margin | 3.4624% | 3,611 |
| Noninterest income to average assets | 0.1594% | 5,538 |
| Noninterest expense to average assets | 2.1206% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2258% | 1,474 |
| Return on assets (ROA) | 1.2748% | 1,417 |
| Pretax return on assets | 1.3116% | 2,256 |
| Return on Equity (ROE) | 13.3397% | 959 |
| Retained earnings to average equity (ytd only) | 6.2851% | 2,241 |
| Net charge-offs to loans | -0.1358% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6812% | 4,347 |
| Assets per employee ($millions) | 4.4844% | 3,097 |
| Cash dividends to net income (ytd only)* | 52.8846% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,595 |
| Loan loss allowance to noncurrent loans | 151.4620% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 3,432 |
| Noncurrent loans to loans | 0.7794% | 2,890 |
| Net loans and leases to total assets | 69.0644% | 2,487 |
| Net loans and leases to deposits | 81.2076% | 2,649 |
| Net loans and leases to core deposits | 93.2112% | 2,071 |
| Total domestic deposits to total assets | 85.0467% | 3,119 |
| Equity capital to assets | 10.0220% | 4,049 |
| Core capital (leverage) ratio | 9.9233% | 3,634 |
| Tier 1 risk-based capital ratio | 11.9959% | 4,920 |
| Total risk-based capital ratio | 12.9841% | 4,996 |
| Memoranda: | ||
| Average total assets | $32,632,500 | 5,868 |
| Average earning assets | $30,383,500 | 5,840 |
| Average equity | $3,118,500 | 5,934 |
| Average total loans | $23,563,500 | 5,569 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,168 |
| Cost of funding earning assets | 0.4788% | 2,363 |
| Net interest margin | 3.5567% | 3,296 |
| Noninterest income to average assets | 0.2068% | 5,358 |
| Noninterest expense to average assets | 2.4030% | 4,505 |
| Loan and lease loss provision to assets | 0.1567% | 1,495 |
| Net operating income to assets | 0.8867% | 2,945 |
| Return on assets (ROA) | 0.8867% | 3,029 |
| Pretax return on assets | 0.9055% | 3,821 |
| Return on Equity (ROE) | 9.0311% | 2,439 |
| Retained earnings to average equity (ytd only) | 0.8935% | 5,165 |
| Net charge-offs to loans | 0.3781% | 763 |
| Credit loss provision to net charge-offs | 60.2410% | 3,266 |
| Earnings coverage of net charge-offs (x) | 4.0843% | 3,612 |
| Efficiency ratio | 69.3490% | 3,333 |
| Assets per employee ($millions) | 4.8391% | 2,547 |
| Cash dividends to net income (ytd only)* | 90.1060% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,642 |
| Loan loss allowance to noncurrent loans | 282.0225% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,536 |
| Noncurrent loans to loans | 0.3533% | 4,194 |
| Net loans and leases to total assets | 73.6169% | 1,791 |
| Net loans and leases to deposits | 92.0286% | 1,399 |
| Net loans and leases to core deposits | 104.0820% | 1,216 |
| Total domestic deposits to total assets | 79.9935% | 4,744 |
| Equity capital to assets | 9.1250% | 4,995 |
| Core capital (leverage) ratio | 9.4796% | 4,206 |
| Tier 1 risk-based capital ratio | 10.6974% | 5,677 |
| Total risk-based capital ratio | 11.5675% | 5,781 |
| Memoranda: | ||
| Average total assets | $31,917,800 | 5,929 |
| Average earning assets | $29,240,600 | 5,914 |
| Average equity | $3,133,600 | 5,981 |
| Average total loans | $21,953,800 | 5,648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,532 |
| Cost of funding earning assets | 0.4691% | 2,507 |
| Net interest margin | 3.4838% | 3,608 |
| Noninterest income to average assets | 0.1867% | 5,546 |
| Noninterest expense to average assets | 2.3206% | 4,732 |
| Loan and lease loss provision to assets | 0.0849% | 2,469 |
| Net operating income to assets | 0.9418% | 2,752 |
| Return on assets (ROA) | 0.9418% | 2,855 |
| Pretax return on assets | 0.9630% | 3,768 |
| Return on Equity (ROE) | 9.4137% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.0815% | 1,651 |
| Net charge-offs to loans | 0.6053% | 372 |
| Credit loss provision to net charge-offs | 20.8333% | 3,358 |
| Earnings coverage of net charge-offs (x) | 2.5729% | 3,645 |
| Efficiency ratio | 68.8917% | 3,395 |
| Assets per employee ($millions) | 5.3063% | 1,948 |
| Cash dividends to net income (ytd only)* | 24.7745% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,998 |
| Loan loss allowance to noncurrent loans | 1,155.5556% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 5,549 |
| Noncurrent loans to loans | 0.0817% | 5,301 |
| Net loans and leases to total assets | 68.5062% | 2,602 |
| Net loans and leases to deposits | 82.1909% | 2,626 |
| Net loans and leases to core deposits | 92.6236% | 2,204 |
| Total domestic deposits to total assets | 83.3501% | 3,680 |
| Equity capital to assets | 10.1702% | 3,972 |
| Core capital (leverage) ratio | 10.3070% | 3,251 |
| Tier 1 risk-based capital ratio | 12.7489% | 4,579 |
| Total risk-based capital ratio | 13.5691% | 4,777 |
| Memoranda: | ||
| Average total assets | $31,428,750 | 6,017 |
| Average earning assets | $28,703,500 | 6,005 |
| Average equity | $3,144,250 | 6,061 |
| Average total loans | $21,145,250 | 5,745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 4,050 |
| Cost of funding earning assets | 0.4366% | 2,889 |
| Net interest margin | 3.3680% | 4,021 |
| Noninterest income to average assets | 0.1790% | 5,625 |
| Noninterest expense to average assets | 2.0964% | 5,346 |
| Loan and lease loss provision to assets | 0.0959% | 2,215 |
| Net operating income to assets | 1.0737% | 2,043 |
| Return on assets (ROA) | 1.0737% | 2,144 |
| Pretax return on assets | 1.0929% | 3,204 |
| Return on Equity (ROE) | 10.7934% | 1,751 |
| Retained earnings to average equity (ytd only) | 7.2599% | 1,588 |
| Net charge-offs to loans | 0.6426% | 362 |
| Credit loss provision to net charge-offs | 22.3881% | 2,996 |
| Earnings coverage of net charge-offs (x) | 2.7761% | 3,287 |
| Efficiency ratio | 63.8132% | 4,387 |
| Assets per employee ($millions) | 5.0903% | 2,153 |
| Cash dividends to net income (ytd only)* | 32.7381% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 4,369 |
| Loan loss allowance to noncurrent loans | 73.6508% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 2,443 |
| Noncurrent loans to loans | 1.4810% | 1,794 |
| Net loans and leases to total assets | 68.8822% | 2,503 |
| Net loans and leases to deposits | 79.8679% | 2,807 |
| Net loans and leases to core deposits | 90.0908% | 2,338 |
| Total domestic deposits to total assets | 86.2452% | 2,561 |
| Equity capital to assets | 10.3726% | 3,589 |
| Core capital (leverage) ratio | 10.3620% | 3,130 |
| Tier 1 risk-based capital ratio | 12.9695% | 4,534 |
| Total risk-based capital ratio | 13.9157% | 4,631 |
| Memoranda: | ||
| Average total assets | $31,292,330 | 6,087 |
| Average earning assets | $28,859,670 | 6,068 |
| Average equity | $3,113,000 | 6,131 |
| Average total loans | $20,854,000 | 5,813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,590 |
| Cost of funding earning assets | 0.3974% | 3,336 |
| Net interest margin | 3.2343% | 4,472 |
| Noninterest income to average assets | 0.1768% | 5,656 |
| Noninterest expense to average assets | 1.9326% | 5,701 |
| Loan and lease loss provision to assets | 0.1895% | 992 |
| Net operating income to assets | 1.0105% | 2,218 |
| Return on assets (ROA) | 1.0105% | 2,352 |
| Pretax return on assets | 1.0358% | 3,356 |
| Return on Equity (ROE) | 10.3711% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.2410% | 4,046 |
| Net charge-offs to loans | 1.9180% | 92 |
| Credit loss provision to net charge-offs | 15.1515% | 2,396 |
| Earnings coverage of net charge-offs (x) | 0.9798% | 2,982 |
| Efficiency ratio | 61.2000% | 4,931 |
| Assets per employee ($millions) | 5.3607% | 1,937 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 4,793 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 5,409 |
| Noncurrent loans to loans | 0.2299% | 4,951 |
| Net loans and leases to total assets | 58.8702% | 3,820 |
| Net loans and leases to deposits | 66.3850% | 4,114 |
| Net loans and leases to core deposits | 71.9087% | 3,975 |
| Total domestic deposits to total assets | 88.6799% | 1,461 |
| Equity capital to assets | 9.6163% | 4,616 |
| Core capital (leverage) ratio | 9.5150% | 4,252 |
| Tier 1 risk-based capital ratio | 11.5330% | 5,540 |
| Total risk-based capital ratio | 12.2790% | 5,727 |
| Memoranda: | ||
| Average total assets | $31,667,500 | 6,147 |
| Average earning assets | $29,187,000 | 6,121 |
| Average equity | $3,085,500 | 6,196 |
| Average total loans | $20,646,000 | 5,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,654 |
| Cost of funding earning assets | 0.4791% | 2,886 |
| Net interest margin | 3.2685% | 4,688 |
| Noninterest income to average assets | 0.2171% | 5,552 |
| Noninterest expense to average assets | 2.7365% | 3,728 |
| Loan and lease loss provision to assets | 0.1316% | 1,989 |
| Net operating income to assets | 0.3717% | 5,318 |
| Return on assets (ROA) | 0.3717% | 5,386 |
| Pretax return on assets | 0.3782% | 5,537 |
| Return on Equity (ROE) | 3.7629% | 5,212 |
| Retained earnings to average equity (ytd only) | 0.4329% | 5,577 |
| Net charge-offs to loans | 0.3706% | 1,172 |
| Credit loss provision to net charge-offs | 57.1429% | 3,341 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 4,220 |
| Efficiency ratio | 84.2958% | 1,374 |
| Assets per employee ($millions) | 4.4530% | 3,114 |
| Cash dividends to net income (ytd only)* | 88.4956% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,530 |
| Loan loss allowance to noncurrent loans | 190.6040% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 4,205 |
| Noncurrent loans to loans | 0.6725% | 3,665 |
| Net loans and leases to total assets | 70.1710% | 2,209 |
| Net loans and leases to deposits | 84.8811% | 2,114 |
| Net loans and leases to core deposits | 94.7704% | 1,840 |
| Total domestic deposits to total assets | 82.6698% | 4,191 |
| Equity capital to assets | 9.8746% | 4,263 |
| Core capital (leverage) ratio | 10.2189% | 3,286 |
| Tier 1 risk-based capital ratio | 12.0069% | 5,362 |
| Total risk-based capital ratio | 13.0988% | 5,368 |
| Memoranda: | ||
| Average total assets | $30,403,800 | 6,244 |
| Average earning assets | $28,178,200 | 6,216 |
| Average equity | $3,003,000 | 6,271 |
| Average total loans | $18,889,800 | 6,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 5,107 |
| Cost of funding earning assets | 0.5021% | 2,735 |
| Net interest margin | 3.1119% | 5,221 |
| Noninterest income to average assets | -0.1015% | 6,528 |
| Noninterest expense to average assets | 2.4978% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2780% | 5,658 |
| Return on assets (ROA) | 0.2780% | 5,721 |
| Pretax return on assets | 0.3001% | 5,773 |
| Return on Equity (ROE) | 2.8148% | 5,610 |
| Retained earnings to average equity (ytd only) | 0.3575% | 5,703 |
| Net charge-offs to loans | -0.4426% | 6,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2744% | 896 |
| Assets per employee ($millions) | 4.4433% | 3,063 |
| Cash dividends to net income (ytd only)* | 87.2976% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 1,637 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 3,291 |
| Noncurrent loans to loans | 1.2900% | 2,485 |
| Net loans and leases to total assets | 64.5951% | 3,094 |
| Net loans and leases to deposits | 73.1993% | 3,536 |
| Net loans and leases to core deposits | 79.5494% | 3,368 |
| Total domestic deposits to total assets | 88.2455% | 1,634 |
| Equity capital to assets | 9.8994% | 4,301 |
| Core capital (leverage) ratio | 10.1424% | 3,479 |
| Tier 1 risk-based capital ratio | 12.6309% | 5,075 |
| Total risk-based capital ratio | 13.8863% | 4,994 |
| Memoranda: | ||
| Average total assets | $30,212,000 | 6,321 |
| Average earning assets | $28,149,250 | 6,292 |
| Average equity | $2,984,250 | 6,349 |
| Average total loans | $18,073,000 | 6,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 5,366 |
| Cost of funding earning assets | 0.5235% | 2,602 |
| Net interest margin | 2.9975% | 5,536 |
| Noninterest income to average assets | -0.1872% | 6,619 |
| Noninterest expense to average assets | 2.3466% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2340% | 5,749 |
| Return on assets (ROA) | 0.2340% | 5,816 |
| Pretax return on assets | 0.2607% | 5,852 |
| Return on Equity (ROE) | 2.3707% | 5,741 |
| Retained earnings to average equity (ytd only) | -1.3547% | 5,908 |
| Net charge-offs to loans | -0.6946% | 6,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 920 |
| Assets per employee ($millions) | 3.7179% | 4,422 |
| Cash dividends to net income (ytd only)* | 157.1429% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 1,344 |
| Loan loss allowance to noncurrent loans | 370.2970% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 5,022 |
| Noncurrent loans to loans | 0.5425% | 4,382 |
| Net loans and leases to total assets | 61.3388% | 3,517 |
| Net loans and leases to deposits | 69.7134% | 3,858 |
| Net loans and leases to core deposits | 75.3013% | 3,705 |
| Total domestic deposits to total assets | 87.9871% | 1,904 |
| Equity capital to assets | 10.1604% | 3,887 |
| Core capital (leverage) ratio | 9.8699% | 3,782 |
| Tier 1 risk-based capital ratio | 13.5767% | 4,542 |
| Total risk-based capital ratio | 14.8318% | 4,475 |
| Memoranda: | ||
| Average total assets | $29,915,000 | 6,382 |
| Average earning assets | $27,890,000 | 6,356 |
| Average equity | $2,952,670 | 6,407 |
| Average total loans | $17,275,670 | 6,188 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 5,985 |
| Cost of funding earning assets | 0.6139% | 1,866 |
| Net interest margin | 2.5982% | 6,244 |
| Noninterest income to average assets | -0.5333% | 6,716 |
| Noninterest expense to average assets | 2.2133% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3467% | 6,420 |
| Return on assets (ROA) | -0.3467% | 6,419 |
| Pretax return on assets | -0.3200% | 6,400 |
| Return on Equity (ROE) | -3.5641% | 6,426 |
| Retained earnings to average equity (ytd only) | -11.1035% | 6,395 |
| Net charge-offs to loans | -1.4454% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9014% | 201 |
| Assets per employee ($millions) | 4.0116% | 3,928 |
| Cash dividends to net income (ytd only)* | -211.5385% | 6,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2615% | 1,086 |
| Loan loss allowance to noncurrent loans | 479.4872% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 5,465 |
| Noncurrent loans to loans | 0.4716% | 4,748 |
| Net loans and leases to total assets | 50.3661% | 4,868 |
| Net loans and leases to deposits | 56.5096% | 5,077 |
| Net loans and leases to core deposits | 59.9333% | 5,046 |
| Total domestic deposits to total assets | 89.1285% | 1,570 |
| Equity capital to assets | 9.1453% | 4,945 |
| Core capital (leverage) ratio | 9.6106% | 4,116 |
| Tier 1 risk-based capital ratio | 14.0210% | 4,324 |
| Total risk-based capital ratio | 15.2782% | 4,254 |
| Memoranda: | ||
| Average total assets | $30,001,000 | 6,447 |
| Average earning assets | $28,019,000 | 6,419 |
| Average equity | $2,918,000 | 6,467 |
| Average total loans | $16,604,500 | 6,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2722% | 6,042 |
| Cost of funding earning assets | 0.4704% | 3,905 |
| Net interest margin | 2.8017% | 5,980 |
| Noninterest income to average assets | 0.1752% | 6,040 |
| Noninterest expense to average assets | 2.4402% | 4,957 |
| Loan and lease loss provision to assets | -0.0478% | 6,376 |
| Net operating income to assets | 0.3281% | 5,420 |
| Return on assets (ROA) | 0.3281% | 5,529 |
| Pretax return on assets | 0.3632% | 5,578 |
| Return on Equity (ROE) | 3.4704% | 5,332 |
| Retained earnings to average equity (ytd only) | 0.1011% | 5,805 |
| Net charge-offs to loans | 0.6233% | 1,052 |
| Credit loss provision to net charge-offs | -15.7895% | 5,703 |
| Earnings coverage of net charge-offs (x) | 1.0421% | 4,728 |
| Efficiency ratio | 88.5549% | 1,161 |
| Assets per employee ($millions) | 3.4886% | 4,917 |
| Cash dividends to net income (ytd only)* | 97.0874% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 1,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.6083% | 3,936 |
| Net loans and leases to deposits | 68.3421% | 3,994 |
| Net loans and leases to core deposits | 69.7675% | 4,307 |
| Total domestic deposits to total assets | 85.7573% | 3,386 |
| Equity capital to assets | 10.3945% | 3,293 |
| Core capital (leverage) ratio | 10.1808% | 3,324 |
| Tier 1 risk-based capital ratio | 14.8427% | 3,754 |
| Total risk-based capital ratio | 16.0960% | 3,702 |
| Memoranda: | ||
| Average total assets | $31,390,400 | 6,496 |
| Average earning assets | $28,910,600 | 6,468 |
| Average equity | $2,968,000 | 6,538 |
| Average total loans | $15,240,400 | 6,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 6,446 |
| Cost of funding earning assets | 0.4849% | 3,917 |
| Net interest margin | 2.4875% | 6,436 |
| Noninterest income to average assets | 0.1612% | 6,219 |
| Noninterest expense to average assets | 2.3061% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1240% | 6,090 |
| Return on assets (ROA) | 0.1240% | 6,157 |
| Pretax return on assets | 0.1447% | 6,149 |
| Return on Equity (ROE) | 1.3401% | 6,110 |
| Retained earnings to average equity (ytd only) | -1.1167% | 6,150 |
| Net charge-offs to loans | -0.0089% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0978% | 732 |
| Assets per employee ($millions) | 3.9380% | 3,968 |
| Cash dividends to net income (ytd only)* | 183.3250% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6841% | 757 |
| Loan loss allowance to noncurrent loans | 1,148.6486% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 6,077 |
| Noncurrent loans to loans | 0.2337% | 5,648 |
| Net loans and leases to total assets | 48.9112% | 5,256 |
| Net loans and leases to deposits | 56.0001% | 5,375 |
| Net loans and leases to core deposits | 57.0134% | 5,527 |
| Total domestic deposits to total assets | 87.3413% | 2,487 |
| Equity capital to assets | 9.2909% | 4,815 |
| Core capital (leverage) ratio | 9.5339% | 4,354 |
| Tier 1 risk-based capital ratio | 14.8041% | 3,873 |
| Total risk-based capital ratio | 16.0651% | 3,823 |
| Memoranda: | ||
| Average total assets | $32,260,750 | 6,552 |
| Average earning assets | $29,694,750 | 6,525 |
| Average equity | $2,984,750 | 6,610 |
| Average total loans | $14,882,750 | 6,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9711% | 6,474 |
| Cost of funding earning assets | 0.5286% | 3,622 |
| Net interest margin | 2.4424% | 6,510 |
| Noninterest income to average assets | 0.1476% | 6,309 |
| Noninterest expense to average assets | 2.2945% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0738% | 6,190 |
| Return on assets (ROA) | 0.0738% | 6,274 |
| Pretax return on assets | 0.0984% | 6,232 |
| Return on Equity (ROE) | 0.7989% | 6,257 |
| Retained earnings to average equity (ytd only) | -2.8628% | 6,296 |
| Net charge-offs to loans | -0.0137% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8869% | 662 |
| Assets per employee ($millions) | 4.1094% | 3,560 |
| Cash dividends to net income (ytd only)* | 458.3333% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0422% | 561 |
| Loan loss allowance to noncurrent loans | 1,118.4211% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 6,138 |
| Noncurrent loans to loans | 0.2720% | 5,620 |
| Net loans and leases to total assets | 41.2015% | 5,954 |
| Net loans and leases to deposits | 46.8264% | 6,055 |
| Net loans and leases to core deposits | 47.6316% | 6,149 |
| Total domestic deposits to total assets | 87.9878% | 2,251 |
| Equity capital to assets | 8.8335% | 5,409 |
| Core capital (leverage) ratio | 8.8838% | 5,168 |
| Tier 1 risk-based capital ratio | 15.6623% | 3,391 |
| Total risk-based capital ratio | 16.9220% | 3,332 |
| Memoranda: | ||
| Average total assets | $32,513,000 | 6,592 |
| Average earning assets | $29,888,330 | 6,564 |
| Average equity | $3,004,000 | 6,650 |
| Average total loans | $14,565,670 | 6,541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8537% | 6,649 |
| Cost of funding earning assets | 0.6795% | 2,397 |
| Net interest margin | 2.1742% | 6,774 |
| Noninterest income to average assets | 0.1608% | 6,297 |
| Noninterest expense to average assets | 2.1032% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0000% | 6,342 |
| Return on assets (ROA) | 0.0000% | 6,416 |
| Pretax return on assets | 0.0371% | 6,360 |
| Return on Equity (ROE) | 0.0000% | 6,418 |
| Retained earnings to average equity (ytd only) | -7.2037% | 6,486 |
| Net charge-offs to loans | -0.0269% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2659% | 625 |
| Assets per employee ($millions) | 4.6351% | 2,751 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2575% | 515 |
| Loan loss allowance to noncurrent loans | 1,118.4211% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,275 |
| Noncurrent loans to loans | 0.2913% | 5,681 |
| Net loans and leases to total assets | 34.0390% | 6,419 |
| Net loans and leases to deposits | 38.2311% | 6,496 |
| Net loans and leases to core deposits | 38.8059% | 6,531 |
| Total domestic deposits to total assets | 89.0348% | 1,664 |
| Equity capital to assets | 8.1362% | 6,307 |
| Core capital (leverage) ratio | 8.7448% | 5,264 |
| Tier 1 risk-based capital ratio | 15.4622% | 3,546 |
| Total risk-based capital ratio | 16.7210% | 3,503 |
| Memoranda: | ||
| Average total assets | $32,332,000 | 6,659 |
| Average earning assets | $29,435,500 | 6,635 |
| Average equity | $3,054,000 | 6,710 |
| Average total loans | $14,863,500 | 6,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 4,664 |
| Cost of funding earning assets | 0.6224% | 4,160 |
| Net interest margin | 3.5567% | 4,280 |
| Noninterest income to average assets | 0.1911% | 6,038 |
| Noninterest expense to average assets | 2.7827% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5802% | 4,332 |
| Return on assets (ROA) | 0.5802% | 4,593 |
| Pretax return on assets | 0.6045% | 4,982 |
| Return on Equity (ROE) | 5.3753% | 4,486 |
| Retained earnings to average equity (ytd only) | 0.0644% | 5,800 |
| Net charge-offs to loans | -0.2305% | 6,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1538% | 1,842 |
| Assets per employee ($millions) | 3.4479% | 5,113 |
| Cash dividends to net income (ytd only)* | 98.8024% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 1,086 |
| Loan loss allowance to noncurrent loans | 757.1429% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,053 |
| Noncurrent loans to loans | 0.3357% | 5,645 |
| Net loans and leases to total assets | 58.9349% | 3,813 |
| Net loans and leases to deposits | 70.9002% | 3,577 |
| Net loans and leases to core deposits | 73.0968% | 3,910 |
| Total domestic deposits to total assets | 83.1237% | 4,665 |
| Equity capital to assets | 11.2062% | 2,728 |
| Core capital (leverage) ratio | 11.0983% | 2,167 |
| Tier 1 risk-based capital ratio | 15.0445% | 3,691 |
| Total risk-based capital ratio | 16.3056% | 3,637 |
| Memoranda: | ||
| Average total assets | $28,784,600 | 6,783 |
| Average earning assets | $25,867,000 | 6,762 |
| Average equity | $3,106,800 | 6,764 |
| Average total loans | $16,486,400 | 6,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 5,049 |
| Cost of funding earning assets | 0.6389% | 4,290 |
| Net interest margin | 3.4989% | 4,653 |
| Noninterest income to average assets | 0.2109% | 6,032 |
| Noninterest expense to average assets | 2.6863% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6464% | 4,160 |
| Return on assets (ROA) | 0.6464% | 4,419 |
| Pretax return on assets | 0.6876% | 4,902 |
| Return on Equity (ROE) | 6.0436% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.6859% | 4,294 |
| Net charge-offs to loans | -0.2920% | 7,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6196% | 2,152 |
| Assets per employee ($millions) | 3.5363% | 4,887 |
| Cash dividends to net income (ytd only)* | 39.0053% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4450% | 1,278 |
| Loan loss allowance to noncurrent loans | 131.8750% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 4,028 |
| Noncurrent loans to loans | 1.8540% | 3,011 |
| Net loans and leases to total assets | 59.5193% | 3,876 |
| Net loans and leases to deposits | 71.5384% | 3,672 |
| Net loans and leases to core deposits | 73.6957% | 4,012 |
| Total domestic deposits to total assets | 83.1990% | 4,565 |
| Equity capital to assets | 11.2973% | 2,936 |
| Core capital (leverage) ratio | 10.9098% | 2,475 |
| Tier 1 risk-based capital ratio | 14.8763% | 3,936 |
| Total risk-based capital ratio | 16.1370% | 3,886 |
| Memoranda: | ||
| Average total assets | $29,085,000 | 6,865 |
| Average earning assets | $26,293,750 | 6,843 |
| Average equity | $3,110,750 | 6,844 |
| Average total loans | $16,438,000 | 6,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 6,274 |
| Cost of funding earning assets | 0.6674% | 4,301 |
| Net interest margin | 3.0716% | 6,070 |
| Noninterest income to average assets | 0.2044% | 6,100 |
| Noninterest expense to average assets | 2.7053% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2317% | 5,819 |
| Return on assets (ROA) | 0.2317% | 6,008 |
| Pretax return on assets | 0.2589% | 6,038 |
| Return on Equity (ROE) | 2.2061% | 5,984 |
| Retained earnings to average equity (ytd only) | -1.3626% | 6,263 |
| Net charge-offs to loans | -0.0990% | 6,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2644% | 977 |
| Assets per employee ($millions) | 3.6996% | 4,522 |
| Cash dividends to net income (ytd only)* | 161.7647% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4222% | 1,382 |
| Loan loss allowance to noncurrent loans | 159.1093% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,003 |
| Noncurrent loans to loans | 1.5223% | 3,622 |
| Net loans and leases to total assets | 53.4919% | 4,880 |
| Net loans and leases to deposits | 63.4117% | 4,835 |
| Net loans and leases to core deposits | 65.4783% | 5,055 |
| Total domestic deposits to total assets | 84.3565% | 4,162 |
| Equity capital to assets | 10.3896% | 3,825 |
| Core capital (leverage) ratio | 10.0680% | 3,331 |
| Tier 1 risk-based capital ratio | 14.8992% | 3,830 |
| Total risk-based capital ratio | 16.1574% | 3,776 |
| Memoranda: | ||
| Average total assets | $29,350,000 | 6,907 |
| Average earning assets | $26,370,670 | 6,892 |
| Average equity | $3,082,330 | 6,890 |
| Average total loans | $16,164,000 | 6,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 6,428 |
| Cost of funding earning assets | 0.6891% | 4,379 |
| Net interest margin | 3.0168% | 6,255 |
| Noninterest income to average assets | 0.1369% | 6,564 |
| Noninterest expense to average assets | 2.5593% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2464% | 5,835 |
| Return on assets (ROA) | 0.2464% | 5,982 |
| Pretax return on assets | 0.2737% | 6,025 |
| Return on Equity (ROE) | 2.3331% | 5,969 |
| Retained earnings to average equity (ytd only) | -4.7959% | 6,569 |
| Net charge-offs to loans | -0.0744% | 6,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3382% | 1,066 |
| Assets per employee ($millions) | 4.0078% | 3,994 |
| Cash dividends to net income (ytd only)* | 305.5556% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 1,156 |
| Loan loss allowance to noncurrent loans | 707.2727% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 5,582 |
| Noncurrent loans to loans | 0.3774% | 5,918 |
| Net loans and leases to total assets | 44.2455% | 5,988 |
| Net loans and leases to deposits | 51.6775% | 6,005 |
| Net loans and leases to core deposits | 53.5745% | 6,089 |
| Total domestic deposits to total assets | 85.6185% | 3,733 |
| Equity capital to assets | 9.5690% | 4,694 |
| Core capital (leverage) ratio | 9.8949% | 3,504 |
| Tier 1 risk-based capital ratio | 15.5212% | 3,434 |
| Total risk-based capital ratio | 16.7777% | 3,405 |
| Memoranda: | ||
| Average total assets | $29,226,500 | 6,967 |
| Average earning assets | $26,120,500 | 6,954 |
| Average equity | $3,086,000 | 6,939 |
| Average total loans | $16,133,500 | 6,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 3,967 |
| Cost of funding earning assets | 0.9932% | 3,429 |
| Net interest margin | 3.7702% | 3,981 |
| Noninterest income to average assets | 0.1338% | 6,485 |
| Noninterest expense to average assets | 2.8987% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5946% | 4,029 |
| Return on assets (ROA) | 0.5946% | 4,206 |
| Pretax return on assets | 0.6206% | 4,629 |
| Return on Equity (ROE) | 5.1259% | 4,332 |
| Retained earnings to average equity (ytd only) | 0.3204% | 5,686 |
| Net charge-offs to loans | 0.1470% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.4231% | 2,523 |
| Efficiency ratio | 82.3654% | 1,969 |
| Assets per employee ($millions) | 3.2989% | 5,512 |
| Cash dividends to net income (ytd only)* | 93.7500% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1818% | 1,833 |
| Loan loss allowance to noncurrent loans | 93.9173% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 3,610 |
| Noncurrent loans to loans | 2.3231% | 2,832 |
| Net loans and leases to total assets | 65.5754% | 2,859 |
| Net loans and leases to deposits | 79.6667% | 2,585 |
| Net loans and leases to core deposits | 84.4072% | 2,834 |
| Total domestic deposits to total assets | 82.3122% | 5,024 |
| Equity capital to assets | 11.7616% | 2,296 |
| Core capital (leverage) ratio | 11.7996% | 1,709 |
| Tier 1 risk-based capital ratio | 14.3003% | 4,108 |
| Total risk-based capital ratio | 15.5557% | 4,070 |
| Memoranda: | ||
| Average total assets | $26,908,600 | 7,053 |
| Average earning assets | $24,163,400 | 7,037 |
| Average equity | $3,121,400 | 6,983 |
| Average total loans | $17,688,400 | 6,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 4,772 |
| Cost of funding earning assets | 1.0366% | 3,415 |
| Net interest margin | 3.5875% | 4,823 |
| Noninterest income to average assets | 0.1233% | 6,645 |
| Noninterest expense to average assets | 2.7713% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5868% | 4,147 |
| Return on assets (ROA) | 0.5868% | 4,330 |
| Pretax return on assets | 0.6115% | 4,773 |
| Return on Equity (ROE) | 5.0759% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.9433% | 4,589 |
| Net charge-offs to loans | 0.2337% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.0002% | 3,221 |
| Efficiency ratio | 81.9242% | 1,989 |
| Assets per employee ($millions) | 3.2243% | 5,625 |
| Cash dividends to net income (ytd only)* | 42.0207% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,402 |
| Loan loss allowance to noncurrent loans | 203.7433% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 5,349 |
| Noncurrent loans to loans | 0.9693% | 4,950 |
| Net loans and leases to total assets | 73.3194% | 1,452 |
| Net loans and leases to deposits | 89.8048% | 1,239 |
| Net loans and leases to core deposits | 95.3274% | 1,671 |
| Total domestic deposits to total assets | 81.6430% | 5,210 |
| Equity capital to assets | 12.3013% | 2,023 |
| Core capital (leverage) ratio | 11.7439% | 1,863 |
| Tier 1 risk-based capital ratio | 14.0780% | 4,299 |
| Total risk-based capital ratio | 15.3306% | 4,271 |
| Memoranda: | ||
| Average total assets | $27,038,000 | 7,119 |
| Average earning assets | $24,566,000 | 7,096 |
| Average equity | $3,125,750 | 7,043 |
| Average total loans | $17,687,500 | 6,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 5,825 |
| Cost of funding earning assets | 1.0620% | 3,531 |
| Net interest margin | 3.2979% | 5,864 |
| Noninterest income to average assets | 0.1020% | 6,811 |
| Noninterest expense to average assets | 2.7101% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3715% | 5,077 |
| Return on assets (ROA) | 0.3715% | 5,218 |
| Pretax return on assets | 0.4007% | 5,391 |
| Return on Equity (ROE) | 3.2797% | 5,266 |
| Retained earnings to average equity (ytd only) | 0.0643% | 5,810 |
| Net charge-offs to loans | 0.3265% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.9643% | 3,880 |
| Efficiency ratio | 87.1194% | 1,501 |
| Assets per employee ($millions) | 3.5258% | 4,877 |
| Cash dividends to net income (ytd only)* | 98.0392% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1950% | 1,927 |
| Loan loss allowance to noncurrent loans | 118.5185% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 4,589 |
| Noncurrent loans to loans | 1.8521% | 3,676 |
| Net loans and leases to total assets | 60.6609% | 4,157 |
| Net loans and leases to deposits | 74.3073% | 3,751 |
| Net loans and leases to core deposits | 78.4646% | 3,997 |
| Total domestic deposits to total assets | 81.6351% | 5,303 |
| Equity capital to assets | 11.0508% | 2,904 |
| Core capital (leverage) ratio | 10.7292% | 2,494 |
| Tier 1 risk-based capital ratio | 14.4827% | 3,794 |
| Total risk-based capital ratio | 15.7390% | 3,766 |
| Memoranda: | ||
| Average total assets | $27,452,670 | 7,176 |
| Average earning assets | $25,046,000 | 7,148 |
| Average equity | $3,110,000 | 7,100 |
| Average total loans | $17,152,330 | 6,935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 6,063 |
| Cost of funding earning assets | 1.0984% | 3,535 |
| Net interest margin | 3.1820% | 6,124 |
| Noninterest income to average assets | 0.1034% | 6,893 |
| Noninterest expense to average assets | 2.4671% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5171% | 4,422 |
| Return on assets (ROA) | 0.5171% | 4,504 |
| Pretax return on assets | 0.5466% | 4,874 |
| Return on Equity (ROE) | 4.5067% | 4,651 |
| Retained earnings to average equity (ytd only) | -1.9314% | 6,132 |
| Net charge-offs to loans | -0.0471% | 6,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8627% | 2,248 |
| Assets per employee ($millions) | 3.7066% | 4,526 |
| Cash dividends to net income (ytd only)* | 142.8571% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 1,310 |
| Loan loss allowance to noncurrent loans | 1,254.5455% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 6,887 |
| Noncurrent loans to loans | 0.2073% | 6,559 |
| Net loans and leases to total assets | 52.2814% | 5,541 |
| Net loans and leases to deposits | 62.0319% | 5,490 |
| Net loans and leases to core deposits | 66.0039% | 5,511 |
| Total domestic deposits to total assets | 84.2815% | 4,377 |
| Equity capital to assets | 10.4576% | 3,232 |
| Core capital (leverage) ratio | 10.9139% | 2,249 |
| Tier 1 risk-based capital ratio | 15.2070% | 3,313 |
| Total risk-based capital ratio | 16.4631% | 3,269 |
| Memoranda: | ||
| Average total assets | $27,076,000 | 7,233 |
| Average earning assets | $24,764,000 | 7,206 |
| Average equity | $3,106,500 | 7,138 |
| Average total loans | $16,981,500 | 7,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 1,982 |
| Cost of funding earning assets | 1.3957% | 3,300 |
| Net interest margin | 4.1826% | 2,252 |
| Noninterest income to average assets | 0.1668% | 6,536 |
| Noninterest expense to average assets | 3.0745% | 3,572 |
| Loan and lease loss provision to assets | 0.0397% | 6,758 |
| Net operating income to assets | 0.8103% | 2,750 |
| Return on assets (ROA) | 0.8103% | 2,887 |
| Pretax return on assets | 0.8381% | 3,508 |
| Return on Equity (ROE) | 6.4643% | 3,367 |
| Retained earnings to average equity (ytd only) | 0.1268% | 5,521 |
| Net charge-offs to loans | -0.0217% | 7,374 |
| Credit loss provision to net charge-offs | -250.0000% | 7,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7889% | 2,744 |
| Assets per employee ($millions) | 3.0624% | 5,969 |
| Cash dividends to net income (ytd only)* | 98.0392% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,722 |
| Loan loss allowance to noncurrent loans | 173.1092% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 5,065 |
| Noncurrent loans to loans | 1.3189% | 4,516 |
| Net loans and leases to total assets | 71.9784% | 2,111 |
| Net loans and leases to deposits | 89.0651% | 1,637 |
| Net loans and leases to core deposits | 96.1400% | 1,999 |
| Total domestic deposits to total assets | 80.8155% | 5,583 |
| Equity capital to assets | 12.7026% | 1,526 |
| Core capital (leverage) ratio | 12.1210% | 1,473 |
| Tier 1 risk-based capital ratio | 15.2293% | 3,139 |
| Total risk-based capital ratio | 16.4861% | 3,085 |
| Memoranda: | ||
| Average total assets | $25,175,200 | 7,339 |
| Average earning assets | $22,785,000 | 7,327 |
| Average equity | $3,155,800 | 7,232 |
| Average total loans | $18,391,600 | 7,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 2,496 |
| Cost of funding earning assets | 1.4306% | 3,388 |
| Net interest margin | 4.0533% | 2,839 |
| Noninterest income to average assets | 0.1526% | 6,765 |
| Noninterest expense to average assets | 2.8619% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9311% | 2,492 |
| Return on assets (ROA) | 0.9311% | 2,623 |
| Pretax return on assets | 0.9575% | 3,342 |
| Return on Equity (ROE) | 7.4521% | 3,124 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,741 |
| Net charge-offs to loans | -0.0144% | 7,311 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9311% | 3,158 |
| Assets per employee ($millions) | 3.0430% | 6,051 |
| Cash dividends to net income (ytd only)* | 28.2512% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 2,278 |
| Loan loss allowance to noncurrent loans | 185.1852% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,323 |
| Noncurrent loans to loans | 1.0694% | 5,098 |
| Net loans and leases to total assets | 81.3301% | 580 |
| Net loans and leases to deposits | 101.4293% | 559 |
| Net loans and leases to core deposits | 110.2149% | 1,025 |
| Total domestic deposits to total assets | 80.1840% | 5,643 |
| Equity capital to assets | 13.3216% | 1,437 |
| Core capital (leverage) ratio | 12.9324% | 1,256 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,470 |
| Total risk-based capital ratio | 15.8293% | 3,439 |
| Memoranda: | ||
| Average total assets | $25,344,250 | 7,427 |
| Average earning assets | $22,927,500 | 7,420 |
| Average equity | $3,166,750 | 7,318 |
| Average total loans | $18,478,000 | 7,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 3,960 |
| Cost of funding earning assets | 1.4402% | 3,614 |
| Net interest margin | 3.7599% | 4,090 |
| Noninterest income to average assets | 0.1324% | 6,927 |
| Noninterest expense to average assets | 2.7339% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7711% | 3,105 |
| Return on assets (ROA) | 0.7711% | 3,254 |
| Pretax return on assets | 0.7945% | 3,904 |
| Return on Equity (ROE) | 6.3031% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.1197% | 4,125 |
| Net charge-offs to loans | -0.0223% | 7,298 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4834% | 2,814 |
| Assets per employee ($millions) | 3.6481% | 4,590 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,935 |
| Loan loss allowance to noncurrent loans | 108.4011% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 4,294 |
| Noncurrent loans to loans | 1.9528% | 3,784 |
| Net loans and leases to total assets | 72.4282% | 2,293 |
| Net loans and leases to deposits | 91.1897% | 1,670 |
| Net loans and leases to core deposits | 98.5035% | 2,176 |
| Total domestic deposits to total assets | 79.4259% | 5,912 |
| Equity capital to assets | 12.4251% | 1,845 |
| Core capital (leverage) ratio | 11.9101% | 1,696 |
| Tier 1 risk-based capital ratio | 14.9000% | 3,208 |
| Total risk-based capital ratio | 16.1552% | 3,175 |
| Memoranda: | ||
| Average total assets | $25,677,670 | 7,479 |
| Average earning assets | $23,192,000 | 7,468 |
| Average equity | $3,141,330 | 7,370 |
| Average total loans | $17,904,330 | 7,180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 5,274 |
| Cost of funding earning assets | 1.4678% | 3,756 |
| Net interest margin | 3.4709% | 5,283 |
| Noninterest income to average assets | 0.1243% | 7,060 |
| Noninterest expense to average assets | 2.4856% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7302% | 3,304 |
| Return on assets (ROA) | 0.7302% | 3,413 |
| Pretax return on assets | 0.7612% | 4,021 |
| Return on Equity (ROE) | 6.0150% | 3,876 |
| Retained earnings to average equity (ytd only) | -0.3839% | 5,919 |
| Net charge-offs to loans | -0.0460% | 7,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5550% | 3,124 |
| Assets per employee ($millions) | 3.9551% | 3,981 |
| Cash dividends to net income (ytd only)* | 106.3830% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4396% | 1,375 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 5,015 |
| Noncurrent loans to loans | 1.0978% | 5,159 |
| Net loans and leases to total assets | 57.7765% | 5,483 |
| Net loans and leases to deposits | 71.1028% | 5,184 |
| Net loans and leases to core deposits | 76.2041% | 5,231 |
| Total domestic deposits to total assets | 81.2577% | 5,363 |
| Equity capital to assets | 11.2656% | 2,528 |
| Core capital (leverage) ratio | 11.3359% | 2,014 |
| Tier 1 risk-based capital ratio | 15.9804% | 2,666 |
| Total risk-based capital ratio | 17.2401% | 2,613 |
| Memoranda: | ||
| Average total assets | $25,748,000 | 7,573 |
| Average earning assets | $23,164,000 | 7,561 |
| Average equity | $3,125,500 | 7,459 |
| Average total loans | $17,408,500 | 7,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1836% | 1,280 |
| Cost of funding earning assets | 1.7926% | 4,026 |
| Net interest margin | 4.3911% | 1,458 |
| Noninterest income to average assets | 0.1792% | 6,804 |
| Noninterest expense to average assets | 3.3082% | 2,991 |
| Loan and lease loss provision to assets | 0.0208% | 7,294 |
| Net operating income to assets | 0.7250% | 2,832 |
| Return on assets (ROA) | 0.7250% | 2,910 |
| Pretax return on assets | 0.8000% | 3,243 |
| Return on Equity (ROE) | 5.4994% | 3,426 |
| Retained earnings to average equity (ytd only) | 0.7585% | 4,480 |
| Net charge-offs to loans | 0.0830% | 6,280 |
| Credit loss provision to net charge-offs | 33.3333% | 6,879 |
| Earnings coverage of net charge-offs (x) | 13.1333% | 1,450 |
| Efficiency ratio | 80.1211% | 2,873 |
| Assets per employee ($millions) | 2.9763% | 6,278 |
| Cash dividends to net income (ytd only)* | 86.2069% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 1,713 |
| Loan loss allowance to noncurrent loans | 846.8085% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 5,751 |
| Noncurrent loans to loans | 0.2551% | 6,785 |
| Net loans and leases to total assets | 75.6951% | 1,881 |
| Net loans and leases to deposits | 96.9656% | 1,210 |
| Net loans and leases to core deposits | 101.1335% | 3,885 |
| Total domestic deposits to total assets | 78.0638% | 6,200 |
| Equity capital to assets | 13.1541% | 1,445 |
| Core capital (leverage) ratio | 12.6404% | 1,386 |
| Tier 1 risk-based capital ratio | 15.2351% | 2,827 |
| Total risk-based capital ratio | 16.4848% | 2,791 |
| Memoranda: | ||
| Average total assets | $24,000,800 | 7,669 |
| Average earning assets | $21,589,200 | 7,660 |
| Average equity | $3,164,000 | 7,542 |
| Average total loans | $18,063,200 | 7,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0807% | 1,719 |
| Cost of funding earning assets | 1.8273% | 4,244 |
| Net interest margin | 4.2535% | 1,859 |
| Noninterest income to average assets | 0.1608% | 7,049 |
| Noninterest expense to average assets | 3.1824% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7928% | 2,846 |
| Return on assets (ROA) | 0.7928% | 2,908 |
| Pretax return on assets | 0.8372% | 3,419 |
| Return on Equity (ROE) | 6.0107% | 3,527 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,105 |
| Net charge-offs to loans | 0.1335% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.3888% | 2,252 |
| Efficiency ratio | 79.1724% | 2,968 |
| Assets per employee ($millions) | 2.9390% | 6,311 |
| Cash dividends to net income (ytd only)* | 34.9680% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 1,783 |
| Loan loss allowance to noncurrent loans | 179.7235% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 4,280 |
| Noncurrent loans to loans | 1.1168% | 5,081 |
| Net loans and leases to total assets | 80.9842% | 978 |
| Net loans and leases to deposits | 101.8181% | 939 |
| Net loans and leases to core deposits | 106.4159% | 3,654 |
| Total domestic deposits to total assets | 79.5381% | 5,612 |
| Equity capital to assets | 13.7036% | 1,413 |
| Core capital (leverage) ratio | 13.4486% | 1,244 |
| Tier 1 risk-based capital ratio | 15.1626% | 2,971 |
| Total risk-based capital ratio | 16.4173% | 2,912 |
| Memoranda: | ||
| Average total assets | $24,048,500 | 7,740 |
| Average earning assets | $21,817,000 | 7,723 |
| Average equity | $3,172,000 | 7,610 |
| Average total loans | $17,973,750 | 7,379 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 3,256 |
| Cost of funding earning assets | 1.8592% | 4,471 |
| Net interest margin | 3.8999% | 3,115 |
| Noninterest income to average assets | 0.1403% | 7,254 |
| Noninterest expense to average assets | 3.0296% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6191% | 3,597 |
| Return on assets (ROA) | 0.6191% | 3,709 |
| Pretax return on assets | 0.6604% | 4,129 |
| Return on Equity (ROE) | 4.7539% | 4,183 |
| Retained earnings to average equity (ytd only) | 1.5846% | 4,448 |
| Net charge-offs to loans | 0.2173% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.2105% | 3,173 |
| Efficiency ratio | 82.1029% | 2,711 |
| Assets per employee ($millions) | 3.0031% | 6,119 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 1,212 |
| Loan loss allowance to noncurrent loans | 167.3820% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4558% | 2,625 |
| Noncurrent loans to loans | 1.3242% | 4,567 |
| Net loans and leases to total assets | 71.6129% | 3,319 |
| Net loans and leases to deposits | 91.6085% | 2,546 |
| Net loans and leases to core deposits | 94.4033% | 5,070 |
| Total domestic deposits to total assets | 78.1727% | 6,029 |
| Equity capital to assets | 13.1363% | 1,645 |
| Core capital (leverage) ratio | 12.7020% | 1,536 |
| Tier 1 risk-based capital ratio | 15.8174% | 2,686 |
| Total risk-based capital ratio | 17.0733% | 2,627 |
| Memoranda: | ||
| Average total assets | $24,227,330 | 7,812 |
| Average earning assets | $22,052,000 | 7,794 |
| Average equity | $3,155,330 | 7,680 |
| Average total loans | $17,488,000 | 7,462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 4,364 |
| Cost of funding earning assets | 1.8961% | 4,641 |
| Net interest margin | 3.7019% | 3,883 |
| Noninterest income to average assets | 0.1480% | 7,239 |
| Noninterest expense to average assets | 2.7129% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7563% | 3,322 |
| Return on assets (ROA) | 0.7563% | 3,499 |
| Pretax return on assets | 0.8056% | 4,059 |
| Return on Equity (ROE) | 5.8320% | 4,104 |
| Retained earnings to average equity (ytd only) | -0.5071% | 5,766 |
| Net charge-offs to loans | 0.4818% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,566 |
| Efficiency ratio | 77.1028% | 3,317 |
| Assets per employee ($millions) | 3.0934% | 5,910 |
| Cash dividends to net income (ytd only)* | 108.6957% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4180% | 831 |
| Loan loss allowance to noncurrent loans | 144.9438% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 2.5296% | 2,268 |
| Noncurrent loans to loans | 1.6682% | 3,767 |
| Net loans and leases to total assets | 63.1107% | 5,141 |
| Net loans and leases to deposits | 79.9857% | 4,618 |
| Net loans and leases to core deposits | 82.3257% | 6,206 |
| Total domestic deposits to total assets | 78.9025% | 5,764 |
| Equity capital to assets | 12.7086% | 1,882 |
| Core capital (leverage) ratio | 12.6270% | 1,635 |
| Tier 1 risk-based capital ratio | 16.7161% | 2,440 |
| Total risk-based capital ratio | 17.9736% | 2,366 |
| Memoranda: | ||
| Average total assets | $24,328,500 | 7,854 |
| Average earning assets | $22,150,500 | 7,838 |
| Average equity | $3,155,000 | 7,738 |
| Average total loans | $17,434,500 | 7,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9904% | 1,159 |
| Cost of funding earning assets | 2.5361% | 4,020 |
| Net interest margin | 4.4543% | 1,530 |
| Noninterest income to average assets | 0.2005% | 7,014 |
| Noninterest expense to average assets | 3.4865% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7474% | 3,686 |
| Return on assets (ROA) | 0.7474% | 3,524 |
| Pretax return on assets | 0.8204% | 3,993 |
| Return on Equity (ROE) | 5.2611% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.0907% | 4,572 |
| Net charge-offs to loans | -0.0245% | 7,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,454 |
| Assets per employee ($millions) | 2.9888% | 6,080 |
| Cash dividends to net income (ytd only)* | 79.2683% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 988 |
| Loan loss allowance to noncurrent loans | 480.0000% | 891 |
| Noncurrent assets plus other real estate owned to assets | 1.8611% | 2,652 |
| Noncurrent loans to loans | 0.4506% | 6,000 |
| Net loans and leases to total assets | 77.1895% | 2,332 |
| Net loans and leases to deposits | 96.3961% | 2,385 |
| Net loans and leases to core deposits | 100.3425% | 4,795 |
| Total domestic deposits to total assets | 80.0753% | 4,989 |
| Equity capital to assets | 13.2371% | 1,694 |
| Core capital (leverage) ratio | 13.0584% | 1,525 |
| Tier 1 risk-based capital ratio | 14.7931% | 3,151 |
| Total risk-based capital ratio | 16.0497% | 3,065 |
| Memoranda: | ||
| Average total assets | $21,941,800 | 7,950 |
| Average earning assets | $20,227,800 | 7,925 |
| Average equity | $3,117,200 | 7,800 |
| Average total loans | $16,315,200 | 7,565 |