Home > The State National Bank in West > Performance and Condition Ratios
The State National Bank in West, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 5,107 |
| Cost of funding earning assets | 0.2256% | 4,984 |
| Net interest margin | 2.9308% | 4,723 |
| Noninterest income to average assets | 0.3239% | 3,809 |
| Noninterest expense to average assets | 4.1944% | 414 |
| Loan and lease loss provision to assets | 0.1760% | 1,044 |
| Net operating income to assets | -1.2110% | 5,188 |
| Return on assets (ROA) | -1.2110% | 5,191 |
| Pretax return on assets | -1.2110% | 5,186 |
| Return on Equity (ROE) | -14.8468% | 5,219 |
| Retained earnings to average equity (ytd only) | -14.8468% | 5,178 |
| Net charge-offs to loans | 0.3139% | 552 |
| Credit loss provision to net charge-offs | 277.7778% | 1,001 |
| Earnings coverage of net charge-offs (x) | -16.3329% | 3,434 |
| Efficiency ratio | 132.7577% | 61 |
| Assets per employee ($millions) | 5.3796% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 595 |
| Loan loss allowance to noncurrent loans | 170.9877% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,712 |
| Noncurrent loans to loans | 1.0875% | 1,459 |
| Net loans and leases to total assets | 19.4118% | 5,161 |
| Net loans and leases to deposits | 21.2998% | 5,168 |
| Net loans and leases to core deposits | 21.3933% | 5,169 |
| Total domestic deposits to total assets | 91.1359% | 86 |
| Equity capital to assets | 7.3810% | 5,196 |
| Core capital (leverage) ratio | 7.4545% | 5,194 |
| Tier 1 risk-based capital ratio | 21.6970% | 1,113 |
| Total risk-based capital ratio | 22.7782% | 1,106 |
| Memoranda: | ||
| Average total assets | $75,750,250 | 4,407 |
| Average earning assets | $73,287,750 | 4,352 |
| Average equity | $6,178,500 | 4,802 |
| Average total loans | $15,292,750 | 5,036 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1724% | 5,158 |
| Cost of funding earning assets | 0.2258% | 5,020 |
| Net interest margin | 2.9466% | 4,761 |
| Noninterest income to average assets | 0.3294% | 3,739 |
| Noninterest expense to average assets | 2.2847% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7089% | 3,979 |
| Return on assets (ROA) | 0.7089% | 4,033 |
| Pretax return on assets | 0.8986% | 3,848 |
| Return on Equity (ROE) | 8.4260% | 3,105 |
| Retained earnings to average equity (ytd only) | 8.4260% | 1,235 |
| Net charge-offs to loans | -0.0130% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7715% | 1,953 |
| Assets per employee ($millions) | 4.9912% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,836 |
| Loan loss allowance to noncurrent loans | 96.3964% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,363 |
| Noncurrent loans to loans | 1.3936% | 1,113 |
| Net loans and leases to total assets | 20.9916% | 5,199 |
| Net loans and leases to deposits | 23.0261% | 5,209 |
| Net loans and leases to core deposits | 23.2152% | 5,210 |
| Total domestic deposits to total assets | 91.1644% | 86 |
| Equity capital to assets | 8.7033% | 4,952 |
| Core capital (leverage) ratio | 8.6229% | 4,895 |
| Tier 1 risk-based capital ratio | 24.4219% | 810 |
| Total risk-based capital ratio | 25.2239% | 829 |
| Memoranda: | ||
| Average total assets | $75,895,330 | 4,440 |
| Average earning assets | $73,508,670 | 4,381 |
| Average equity | $6,385,000 | 4,799 |
| Average total loans | $15,424,670 | 5,080 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 5,235 |
| Cost of funding earning assets | 0.2213% | 5,064 |
| Net interest margin | 2.8979% | 4,878 |
| Noninterest income to average assets | 0.3350% | 3,622 |
| Noninterest expense to average assets | 2.1882% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7591% | 3,748 |
| Return on assets (ROA) | 0.7591% | 3,794 |
| Pretax return on assets | 0.9580% | 3,594 |
| Return on Equity (ROE) | 9.1779% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.1779% | 1,250 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5507% | 2,413 |
| Assets per employee ($millions) | 5.1761% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,826 |
| Loan loss allowance to noncurrent loans | 46.9163% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,314 |
| Noncurrent loans to loans | 2.9000% | 391 |
| Net loans and leases to total assets | 19.8890% | 5,264 |
| Net loans and leases to deposits | 21.6992% | 5,272 |
| Net loans and leases to core deposits | 21.8700% | 5,274 |
| Total domestic deposits to total assets | 91.6578% | 83 |
| Equity capital to assets | 8.2328% | 5,115 |
| Core capital (leverage) ratio | 8.5017% | 5,012 |
| Tier 1 risk-based capital ratio | 23.5017% | 889 |
| Total risk-based capital ratio | 24.2849% | 914 |
| Memoranda: | ||
| Average total assets | $76,409,000 | 4,479 |
| Average earning assets | $74,122,000 | 4,412 |
| Average equity | $6,319,500 | 4,841 |
| Average total loans | $15,172,000 | 5,145 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9202% | 5,256 |
| Cost of funding earning assets | 0.2316% | 4,885 |
| Net interest margin | 2.6886% | 5,104 |
| Noninterest income to average assets | 0.3404% | 3,835 |
| Noninterest expense to average assets | 2.2074% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5864% | 4,458 |
| Return on assets (ROA) | 0.5864% | 4,463 |
| Pretax return on assets | 0.7420% | 4,306 |
| Return on Equity (ROE) | 7.0780% | 3,797 |
| Retained earnings to average equity (ytd only) | 1.9420% | 4,372 |
| Net charge-offs to loans | -0.0328% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8422% | 1,518 |
| Assets per employee ($millions) | 4.1765% | 3,642 |
| Cash dividends to net income (ytd only)* | 72.5624% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,451 |
| Loan loss allowance to noncurrent loans | 83.2031% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,189 |
| Noncurrent loans to loans | 1.7428% | 823 |
| Net loans and leases to total assets | 19.2559% | 5,311 |
| Net loans and leases to deposits | 21.0135% | 5,318 |
| Net loans and leases to core deposits | 21.1842% | 5,320 |
| Total domestic deposits to total assets | 91.6357% | 103 |
| Equity capital to assets | 8.3097% | 5,044 |
| Core capital (leverage) ratio | 8.2649% | 5,144 |
| Tier 1 risk-based capital ratio | 24.1523% | 814 |
| Total risk-based capital ratio | 24.9758% | 830 |
| Memoranda: | ||
| Average total assets | $75,202,600 | 4,510 |
| Average earning assets | $72,975,000 | 4,442 |
| Average equity | $6,230,600 | 4,859 |
| Average total loans | $15,258,200 | 5,188 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 5,334 |
| Cost of funding earning assets | 0.2324% | 4,877 |
| Net interest margin | 2.6476% | 5,197 |
| Noninterest income to average assets | 0.3510% | 3,784 |
| Noninterest expense to average assets | 2.1805% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5815% | 4,550 |
| Return on assets (ROA) | 0.5815% | 4,561 |
| Pretax return on assets | 0.7357% | 4,455 |
| Return on Equity (ROE) | 7.0235% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.4540% | 3,521 |
| Net charge-offs to loans | -0.0173% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7720% | 1,486 |
| Assets per employee ($millions) | 4.2049% | 3,567 |
| Cash dividends to net income (ytd only)* | 36.5865% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,509 |
| Loan loss allowance to noncurrent loans | 76.0870% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,207 |
| Noncurrent loans to loans | 1.9095% | 789 |
| Net loans and leases to total assets | 18.8194% | 5,390 |
| Net loans and leases to deposits | 20.5630% | 5,396 |
| Net loans and leases to core deposits | 20.8431% | 5,395 |
| Total domestic deposits to total assets | 91.5205% | 128 |
| Equity capital to assets | 8.3672% | 4,998 |
| Core capital (leverage) ratio | 8.3876% | 5,148 |
| Tier 1 risk-based capital ratio | 24.5361% | 796 |
| Total risk-based capital ratio | 25.3497% | 812 |
| Memoranda: | ||
| Average total assets | $75,209,000 | 4,553 |
| Average earning assets | $72,870,500 | 4,487 |
| Average equity | $6,226,500 | 4,916 |
| Average total loans | $15,400,500 | 5,247 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8011% | 5,402 |
| Cost of funding earning assets | 0.2311% | 4,845 |
| Net interest margin | 2.5700% | 5,293 |
| Noninterest income to average assets | 0.3678% | 3,698 |
| Noninterest expense to average assets | 2.1559% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5543% | 4,621 |
| Return on assets (ROA) | 0.5543% | 4,622 |
| Pretax return on assets | 0.7009% | 4,511 |
| Return on Equity (ROE) | 6.7194% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.8428% | 4,117 |
| Net charge-offs to loans | -0.0255% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4664% | 1,498 |
| Assets per employee ($millions) | 4.2437% | 3,509 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,001 |
| Loan loss allowance to noncurrent loans | 139.0728% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,007 |
| Noncurrent loans to loans | 0.9613% | 1,805 |
| Net loans and leases to total assets | 20.2888% | 5,442 |
| Net loans and leases to deposits | 22.1100% | 5,455 |
| Net loans and leases to core deposits | 22.4073% | 5,455 |
| Total domestic deposits to total assets | 91.7630% | 107 |
| Equity capital to assets | 8.1349% | 5,177 |
| Core capital (leverage) ratio | 8.2842% | 5,222 |
| Tier 1 risk-based capital ratio | 23.5584% | 876 |
| Total risk-based capital ratio | 24.3546% | 909 |
| Memoranda: | ||
| Average total assets | $75,049,330 | 4,606 |
| Average earning assets | $72,685,330 | 4,533 |
| Average equity | $6,191,000 | 4,976 |
| Average total loans | $15,716,000 | 5,301 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8020% | 5,456 |
| Cost of funding earning assets | 0.2330% | 4,814 |
| Net interest margin | 2.5690% | 5,341 |
| Noninterest income to average assets | 0.4033% | 3,443 |
| Noninterest expense to average assets | 2.1619% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5754% | 4,493 |
| Return on assets (ROA) | 0.5754% | 4,501 |
| Pretax return on assets | 0.7314% | 4,350 |
| Return on Equity (ROE) | 6.9261% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.9261% | 2,313 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7212% | 1,793 |
| Assets per employee ($millions) | 4.3662% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,940 |
| Loan loss allowance to noncurrent loans | 91.2281% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,612 |
| Noncurrent loans to loans | 1.5052% | 1,170 |
| Net loans and leases to total assets | 20.1266% | 5,503 |
| Net loans and leases to deposits | 21.9969% | 5,517 |
| Net loans and leases to core deposits | 22.3020% | 5,513 |
| Total domestic deposits to total assets | 91.4975% | 185 |
| Equity capital to assets | 8.3974% | 5,049 |
| Core capital (leverage) ratio | 8.4596% | 5,167 |
| Tier 1 risk-based capital ratio | 24.4719% | 798 |
| Total risk-based capital ratio | 25.2886% | 812 |
| Memoranda: | ||
| Average total assets | $74,380,500 | 4,668 |
| Average earning assets | $72,091,000 | 4,592 |
| Average equity | $6,179,500 | 5,031 |
| Average total loans | $15,720,000 | 5,362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7477% | 5,476 |
| Cost of funding earning assets | 0.2335% | 4,699 |
| Net interest margin | 2.5142% | 5,401 |
| Noninterest income to average assets | 0.3730% | 3,801 |
| Noninterest expense to average assets | 2.1175% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4545% | 4,515 |
| Return on assets (ROA) | 0.4545% | 4,547 |
| Pretax return on assets | 0.6948% | 4,521 |
| Return on Equity (ROE) | 5.3559% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.7744% | 4,251 |
| Net charge-offs to loans | -0.0239% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2947% | 1,718 |
| Assets per employee ($millions) | 4.3845% | 3,362 |
| Cash dividends to net income (ytd only)* | 66.8693% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,337 |
| Loan loss allowance to noncurrent loans | 100.9709% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,784 |
| Noncurrent loans to loans | 1.2643% | 1,391 |
| Net loans and leases to total assets | 21.5802% | 5,562 |
| Net loans and leases to deposits | 23.5340% | 5,574 |
| Net loans and leases to core deposits | 23.9838% | 5,576 |
| Total domestic deposits to total assets | 91.6980% | 110 |
| Equity capital to assets | 8.2188% | 5,292 |
| Core capital (leverage) ratio | 8.2769% | 5,300 |
| Tier 1 risk-based capital ratio | 23.3737% | 875 |
| Total risk-based capital ratio | 24.1673% | 906 |
| Memoranda: | ||
| Average total assets | $72,395,000 | 4,739 |
| Average earning assets | $70,240,000 | 4,661 |
| Average equity | $6,142,800 | 5,083 |
| Average total loans | $16,702,800 | 5,399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7491% | 5,538 |
| Cost of funding earning assets | 0.2332% | 4,721 |
| Net interest margin | 2.5159% | 5,459 |
| Noninterest income to average assets | 0.3804% | 3,809 |
| Noninterest expense to average assets | 2.1040% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4731% | 4,818 |
| Return on assets (ROA) | 0.4731% | 4,855 |
| Pretax return on assets | 0.7181% | 4,566 |
| Return on Equity (ROE) | 5.5310% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.5310% | 2,521 |
| Net charge-offs to loans | -0.0555% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5562% | 1,808 |
| Assets per employee ($millions) | 4.3562% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,406 |
| Loan loss allowance to noncurrent loans | 111.6402% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 4,035 |
| Noncurrent loans to loans | 1.1562% | 1,661 |
| Net loans and leases to total assets | 21.7889% | 5,628 |
| Net loans and leases to deposits | 23.8367% | 5,637 |
| Net loans and leases to core deposits | 24.1963% | 5,637 |
| Total domestic deposits to total assets | 91.4092% | 113 |
| Equity capital to assets | 8.4693% | 5,303 |
| Core capital (leverage) ratio | 8.7092% | 5,053 |
| Tier 1 risk-based capital ratio | 23.8135% | 866 |
| Total risk-based capital ratio | 24.6146% | 896 |
| Memoranda: | ||
| Average total assets | $71,859,750 | 4,798 |
| Average earning assets | $69,741,250 | 4,720 |
| Average equity | $6,147,000 | 5,137 |
| Average total loans | $16,805,250 | 5,456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7436% | 5,580 |
| Cost of funding earning assets | 0.2315% | 4,703 |
| Net interest margin | 2.5120% | 5,501 |
| Noninterest income to average assets | 0.3937% | 3,730 |
| Noninterest expense to average assets | 2.0920% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4893% | 4,734 |
| Return on assets (ROA) | 0.4893% | 4,769 |
| Pretax return on assets | 0.7423% | 4,447 |
| Return on Equity (ROE) | 5.6999% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.6999% | 2,292 |
| Net charge-offs to loans | -0.2123% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8095% | 2,050 |
| Assets per employee ($millions) | 4.4939% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 2,099 |
| Loan loss allowance to noncurrent loans | 80.7273% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 3,580 |
| Noncurrent loans to loans | 1.6893% | 1,079 |
| Net loans and leases to total assets | 22.3318% | 5,668 |
| Net loans and leases to deposits | 24.4671% | 5,680 |
| Net loans and leases to core deposits | 24.6746% | 5,684 |
| Total domestic deposits to total assets | 91.2728% | 160 |
| Equity capital to assets | 8.6103% | 5,219 |
| Core capital (leverage) ratio | 8.7927% | 4,957 |
| Tier 1 risk-based capital ratio | 24.0054% | 850 |
| Total risk-based capital ratio | 24.8662% | 875 |
| Memoranda: | ||
| Average total assets | $71,127,670 | 4,842 |
| Average earning assets | $69,107,000 | 4,763 |
| Average equity | $6,105,330 | 5,173 |
| Average total loans | $16,958,000 | 5,495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7565% | 5,618 |
| Cost of funding earning assets | 0.2331% | 4,689 |
| Net interest margin | 2.5234% | 5,530 |
| Noninterest income to average assets | 0.4184% | 3,533 |
| Noninterest expense to average assets | 2.0808% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5146% | 4,539 |
| Return on assets (ROA) | 0.5146% | 4,568 |
| Pretax return on assets | 0.7860% | 4,161 |
| Return on Equity (ROE) | 6.0041% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.0041% | 2,333 |
| Net charge-offs to loans | -0.3237% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5838% | 2,472 |
| Assets per employee ($millions) | 4.4133% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,417 |
| Loan loss allowance to noncurrent loans | 87.9032% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,799 |
| Noncurrent loans to loans | 1.5072% | 1,322 |
| Net loans and leases to total assets | 22.9933% | 5,713 |
| Net loans and leases to deposits | 25.2112% | 5,730 |
| Net loans and leases to core deposits | 25.4291% | 5,738 |
| Total domestic deposits to total assets | 91.2026% | 243 |
| Equity capital to assets | 8.6501% | 5,109 |
| Core capital (leverage) ratio | 13.8040% | 891 |
| Tier 1 risk-based capital ratio | 23.9107% | 878 |
| Total risk-based capital ratio | 24.7641% | 903 |
| Memoranda: | ||
| Average total assets | $70,740,500 | 4,900 |
| Average earning assets | $68,638,000 | 4,816 |
| Average equity | $6,062,500 | 5,229 |
| Average total loans | $17,297,500 | 5,543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7003% | 5,691 |
| Cost of funding earning assets | 0.2400% | 4,653 |
| Net interest margin | 2.4603% | 5,607 |
| Noninterest income to average assets | 0.3805% | 4,030 |
| Noninterest expense to average assets | 2.2260% | 4,710 |
| Loan and lease loss provision to assets | 0.0429% | 3,524 |
| Net operating income to assets | 0.3247% | 5,157 |
| Return on assets (ROA) | 0.3276% | 5,225 |
| Pretax return on assets | 0.4921% | 5,039 |
| Return on Equity (ROE) | 3.8075% | 4,899 |
| Retained earnings to average equity (ytd only) | 1.3135% | 4,753 |
| Net charge-offs to loans | -0.2119% | 5,754 |
| Credit loss provision to net charge-offs | -85.7143% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7473% | 1,334 |
| Assets per employee ($millions) | 4.4293% | 3,221 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,576 |
| Loan loss allowance to noncurrent loans | 77.8626% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,801 |
| Noncurrent loans to loans | 1.4442% | 1,406 |
| Net loans and leases to total assets | 25.3101% | 5,742 |
| Net loans and leases to deposits | 27.6801% | 5,767 |
| Net loans and leases to core deposits | 27.9175% | 5,775 |
| Total domestic deposits to total assets | 91.4377% | 172 |
| Equity capital to assets | 8.4903% | 5,278 |
| Core capital (leverage) ratio | 8.6126% | 5,161 |
| Tier 1 risk-based capital ratio | 22.0621% | 1,071 |
| Total risk-based capital ratio | 22.8101% | 1,117 |
| Memoranda: | ||
| Average total assets | $69,901,200 | 4,935 |
| Average earning assets | $67,511,400 | 4,858 |
| Average equity | $6,014,400 | 5,281 |
| Average total loans | $16,513,400 | 5,629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7125% | 5,758 |
| Cost of funding earning assets | 0.2399% | 4,704 |
| Net interest margin | 2.4726% | 5,670 |
| Noninterest income to average assets | 0.3732% | 4,107 |
| Noninterest expense to average assets | 2.2528% | 4,644 |
| Loan and lease loss provision to assets | 0.0574% | 3,097 |
| Net operating income to assets | 0.3005% | 5,283 |
| Return on assets (ROA) | 0.3043% | 5,361 |
| Pretax return on assets | 0.4555% | 5,218 |
| Return on Equity (ROE) | 3.5251% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.5251% | 3,784 |
| Net charge-offs to loans | -0.2566% | 5,811 |
| Credit loss provision to net charge-offs | -96.7742% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6227% | 1,237 |
| Assets per employee ($millions) | 4.6084% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,369 |
| Loan loss allowance to noncurrent loans | 61.9195% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 3,561 |
| Noncurrent loans to loans | 1.9070% | 1,051 |
| Net loans and leases to total assets | 24.2138% | 5,820 |
| Net loans and leases to deposits | 26.5932% | 5,844 |
| Net loans and leases to core deposits | 26.8280% | 5,854 |
| Total domestic deposits to total assets | 91.0526% | 183 |
| Equity capital to assets | 8.8201% | 5,305 |
| Core capital (leverage) ratio | 8.9239% | 4,914 |
| Tier 1 risk-based capital ratio | 23.4149% | 960 |
| Total risk-based capital ratio | 24.1830% | 997 |
| Memoranda: | ||
| Average total assets | $69,659,250 | 4,983 |
| Average earning assets | $67,243,000 | 4,903 |
| Average equity | $6,013,750 | 5,330 |
| Average total loans | $16,106,500 | 5,696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6662% | 5,852 |
| Cost of funding earning assets | 0.2394% | 4,760 |
| Net interest margin | 2.4267% | 5,788 |
| Noninterest income to average assets | 0.3780% | 4,043 |
| Noninterest expense to average assets | 2.2538% | 4,724 |
| Loan and lease loss provision to assets | 0.0859% | 2,427 |
| Net operating income to assets | 0.2662% | 5,401 |
| Return on assets (ROA) | 0.2721% | 5,464 |
| Pretax return on assets | 0.3981% | 5,345 |
| Return on Equity (ROE) | 3.1741% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.1741% | 3,880 |
| Net charge-offs to loans | -0.1011% | 5,622 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5813% | 1,206 |
| Assets per employee ($millions) | 4.2634% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 4,339 |
| Loan loss allowance to noncurrent loans | 45.6186% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 3,315 |
| Noncurrent loans to loans | 2.2612% | 817 |
| Net loans and leases to total assets | 24.8948% | 5,886 |
| Net loans and leases to deposits | 27.3427% | 5,912 |
| Net loans and leases to core deposits | 27.5870% | 5,919 |
| Total domestic deposits to total assets | 91.0474% | 186 |
| Equity capital to assets | 8.8441% | 5,367 |
| Core capital (leverage) ratio | 8.8096% | 5,045 |
| Tier 1 risk-based capital ratio | 22.6677% | 1,054 |
| Total risk-based capital ratio | 23.3327% | 1,113 |
| Memoranda: | ||
| Average total assets | $69,837,000 | 5,025 |
| Average earning assets | $67,662,670 | 4,942 |
| Average equity | $5,986,000 | 5,387 |
| Average total loans | $15,829,330 | 5,769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6100% | 5,931 |
| Cost of funding earning assets | 0.2394% | 4,813 |
| Net interest margin | 2.3706% | 5,891 |
| Noninterest income to average assets | 0.3963% | 3,856 |
| Noninterest expense to average assets | 2.2138% | 4,874 |
| Loan and lease loss provision to assets | 0.0849% | 2,260 |
| Net operating income to assets | 0.2774% | 5,361 |
| Return on assets (ROA) | 0.2774% | 5,438 |
| Pretax return on assets | 0.3963% | 5,313 |
| Return on Equity (ROE) | 3.2872% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.2872% | 3,849 |
| Net charge-offs to loans | -0.1583% | 5,784 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 1,358 |
| Assets per employee ($millions) | 3.8646% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,647 |
| Loan loss allowance to noncurrent loans | 37.3832% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 3,222 |
| Noncurrent loans to loans | 2.6541% | 680 |
| Net loans and leases to total assets | 22.9522% | 5,959 |
| Net loans and leases to deposits | 25.1425% | 5,984 |
| Net loans and leases to core deposits | 25.2619% | 5,991 |
| Total domestic deposits to total assets | 91.2883% | 201 |
| Equity capital to assets | 8.6067% | 5,488 |
| Core capital (leverage) ratio | 8.5806% | 5,311 |
| Tier 1 risk-based capital ratio | 22.6935% | 1,055 |
| Total risk-based capital ratio | 23.3000% | 1,131 |
| Memoranda: | ||
| Average total assets | $70,648,000 | 5,055 |
| Average earning assets | $68,504,500 | 4,967 |
| Average equity | $5,962,500 | 5,430 |
| Average total loans | $15,164,500 | 5,846 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4111% | 6,025 |
| Cost of funding earning assets | 0.2441% | 4,844 |
| Net interest margin | 2.1670% | 5,997 |
| Noninterest income to average assets | 0.3970% | 4,054 |
| Noninterest expense to average assets | 2.2094% | 5,032 |
| Loan and lease loss provision to assets | 0.0488% | 3,356 |
| Net operating income to assets | 0.1811% | 5,617 |
| Return on assets (ROA) | 0.1811% | 5,669 |
| Pretax return on assets | 0.2410% | 5,627 |
| Return on Equity (ROE) | 2.2008% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.3543% | 4,954 |
| Net charge-offs to loans | 0.4963% | 537 |
| Credit loss provision to net charge-offs | 48.6111% | 3,423 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 3,809 |
| Efficiency ratio | 88.4058% | 804 |
| Assets per employee ($millions) | 3.9852% | 3,966 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 4,721 |
| Loan loss allowance to noncurrent loans | 38.5042% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 3,629 |
| Noncurrent loans to loans | 2.5417% | 715 |
| Net loans and leases to total assets | 19.6058% | 6,053 |
| Net loans and leases to deposits | 21.3810% | 6,076 |
| Net loans and leases to core deposits | 21.4790% | 6,085 |
| Total domestic deposits to total assets | 91.6971% | 145 |
| Equity capital to assets | 8.2778% | 5,721 |
| Core capital (leverage) ratio | 8.4523% | 5,473 |
| Tier 1 risk-based capital ratio | 23.6103% | 945 |
| Total risk-based capital ratio | 24.1630% | 1,011 |
| Memoranda: | ||
| Average total assets | $71,782,600 | 5,050 |
| Average earning assets | $69,636,800 | 4,948 |
| Average equity | $5,907,000 | 5,458 |
| Average total loans | $14,508,400 | 5,906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4293% | 6,114 |
| Cost of funding earning assets | 0.2452% | 4,932 |
| Net interest margin | 2.1841% | 6,078 |
| Noninterest income to average assets | 0.4011% | 4,077 |
| Noninterest expense to average assets | 2.1784% | 5,105 |
| Loan and lease loss provision to assets | 0.0371% | 3,467 |
| Net operating income to assets | 0.2229% | 5,635 |
| Return on assets (ROA) | 0.2229% | 5,704 |
| Pretax return on assets | 0.3027% | 5,635 |
| Return on Equity (ROE) | 2.7122% | 5,477 |
| Retained earnings to average equity (ytd only) | 1.5821% | 5,074 |
| Net charge-offs to loans | 0.8410% | 237 |
| Credit loss provision to net charge-offs | 21.7391% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.9892% | 3,750 |
| Efficiency ratio | 86.5044% | 971 |
| Assets per employee ($millions) | 3.9182% | 4,043 |
| Cash dividends to net income (ytd only)* | 41.6688% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 5,640 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,592 |
| Noncurrent loans to loans | 0.2281% | 4,746 |
| Net loans and leases to total assets | 19.7470% | 6,139 |
| Net loans and leases to deposits | 21.5799% | 6,165 |
| Net loans and leases to core deposits | 21.6807% | 6,172 |
| Total domestic deposits to total assets | 91.5068% | 155 |
| Equity capital to assets | 8.4053% | 5,759 |
| Core capital (leverage) ratio | 8.5202% | 5,538 |
| Tier 1 risk-based capital ratio | 23.9273% | 952 |
| Total risk-based capital ratio | 24.3471% | 1,027 |
| Memoranda: | ||
| Average total assets | $71,794,750 | 5,107 |
| Average earning assets | $69,593,000 | 5,004 |
| Average equity | $5,899,250 | 5,526 |
| Average total loans | $14,584,750 | 5,982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4566% | 6,178 |
| Cost of funding earning assets | 0.2451% | 4,994 |
| Net interest margin | 2.2115% | 6,141 |
| Noninterest income to average assets | 0.4043% | 4,055 |
| Noninterest expense to average assets | 2.0328% | 5,468 |
| Loan and lease loss provision to assets | 0.0138% | 3,842 |
| Net operating income to assets | 0.3351% | 5,342 |
| Return on assets (ROA) | 0.3351% | 5,445 |
| Pretax return on assets | 0.5068% | 5,207 |
| Return on Equity (ROE) | 4.1089% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.4110% | 4,523 |
| Net charge-offs to loans | 1.0156% | 204 |
| Credit loss provision to net charge-offs | 6.6667% | 3,118 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 3,329 |
| Efficiency ratio | 79.6095% | 1,811 |
| Assets per employee ($millions) | 3.8971% | 4,083 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,680 |
| Loan loss allowance to noncurrent loans | 185.9649% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 5,548 |
| Noncurrent loans to loans | 0.4119% | 4,246 |
| Net loans and leases to total assets | 19.5775% | 6,210 |
| Net loans and leases to deposits | 21.4113% | 6,237 |
| Net loans and leases to core deposits | 21.5968% | 6,240 |
| Total domestic deposits to total assets | 91.4351% | 195 |
| Equity capital to assets | 8.4523% | 5,721 |
| Core capital (leverage) ratio | 8.5194% | 5,510 |
| Tier 1 risk-based capital ratio | 23.9507% | 961 |
| Total risk-based capital ratio | 24.3789% | 1,045 |
| Memoranda: | ||
| Average total assets | $72,217,330 | 5,151 |
| Average earning assets | $70,179,330 | 5,035 |
| Average equity | $5,889,670 | 5,575 |
| Average total loans | $14,769,330 | 6,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 6,229 |
| Cost of funding earning assets | 0.2413% | 5,117 |
| Net interest margin | 2.2393% | 6,185 |
| Noninterest income to average assets | 0.4259% | 3,794 |
| Noninterest expense to average assets | 1.9931% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4041% | 5,056 |
| Return on assets (ROA) | 0.4041% | 5,169 |
| Pretax return on assets | 0.6116% | 4,885 |
| Return on Equity (ROE) | 5.0426% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.6354% | 4,820 |
| Net charge-offs to loans | 0.3676% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,120 |
| Efficiency ratio | 76.5199% | 2,421 |
| Assets per employee ($millions) | 4.2110% | 3,547 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 4,780 |
| Loan loss allowance to noncurrent loans | 1,157.1429% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,867 |
| Noncurrent loans to loans | 0.0905% | 5,421 |
| Net loans and leases to total assets | 21.3935% | 6,254 |
| Net loans and leases to deposits | 23.3368% | 6,279 |
| Net loans and leases to core deposits | 23.5344% | 6,281 |
| Total domestic deposits to total assets | 91.6731% | 196 |
| Equity capital to assets | 8.2166% | 5,928 |
| Core capital (leverage) ratio | 8.1441% | 5,853 |
| Tier 1 risk-based capital ratio | 22.0618% | 1,232 |
| Total risk-based capital ratio | 22.6724% | 1,316 |
| Memoranda: | ||
| Average total assets | $73,252,500 | 5,168 |
| Average earning assets | $71,272,000 | 5,062 |
| Average equity | $5,870,000 | 5,631 |
| Average total loans | $15,234,500 | 6,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4409% | 6,340 |
| Cost of funding earning assets | 0.2386% | 5,434 |
| Net interest margin | 2.2023% | 6,311 |
| Noninterest income to average assets | 0.4111% | 4,101 |
| Noninterest expense to average assets | 2.0703% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3153% | 5,482 |
| Return on assets (ROA) | 0.3153% | 5,553 |
| Pretax return on assets | 0.4777% | 5,305 |
| Return on Equity (ROE) | 4.1265% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,268 |
| Net charge-offs to loans | 0.1431% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.9500% | 1,875 |
| Efficiency ratio | 81.2533% | 1,741 |
| Assets per employee ($millions) | 4.1621% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,146 |
| Loan loss allowance to noncurrent loans | 419.0476% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,791 |
| Noncurrent loans to loans | 0.2801% | 4,846 |
| Net loans and leases to total assets | 19.7763% | 6,368 |
| Net loans and leases to deposits | 21.4681% | 6,391 |
| Net loans and leases to core deposits | 21.6409% | 6,393 |
| Total domestic deposits to total assets | 92.1194% | 135 |
| Equity capital to assets | 7.8192% | 6,136 |
| Core capital (leverage) ratio | 7.7806% | 6,105 |
| Tier 1 risk-based capital ratio | 23.1688% | 1,060 |
| Total risk-based capital ratio | 23.8649% | 1,119 |
| Memoranda: | ||
| Average total assets | $75,156,400 | 5,174 |
| Average earning assets | $72,925,200 | 5,072 |
| Average equity | $5,743,400 | 5,681 |
| Average total loans | $13,975,000 | 6,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4534% | 6,418 |
| Cost of funding earning assets | 0.2378% | 5,534 |
| Net interest margin | 2.2156% | 6,380 |
| Noninterest income to average assets | 0.4095% | 4,168 |
| Noninterest expense to average assets | 2.0367% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3421% | 5,455 |
| Return on assets (ROA) | 0.3421% | 5,525 |
| Pretax return on assets | 0.5194% | 5,266 |
| Return on Equity (ROE) | 4.5029% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.5029% | 3,448 |
| Net charge-offs to loans | 0.1749% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.2775% | 1,989 |
| Efficiency ratio | 79.6810% | 1,964 |
| Assets per employee ($millions) | 4.2049% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,010 |
| Loan loss allowance to noncurrent loans | 282.5397% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 5,835 |
| Noncurrent loans to loans | 0.4394% | 4,584 |
| Net loans and leases to total assets | 18.7097% | 6,467 |
| Net loans and leases to deposits | 20.2935% | 6,488 |
| Net loans and leases to core deposits | 20.4547% | 6,488 |
| Total domestic deposits to total assets | 92.1956% | 133 |
| Equity capital to assets | 7.6815% | 6,252 |
| Core capital (leverage) ratio | 7.9742% | 6,085 |
| Tier 1 risk-based capital ratio | 23.4332% | 1,059 |
| Total risk-based capital ratio | 24.1506% | 1,107 |
| Memoranda: | ||
| Average total assets | $75,216,000 | 5,224 |
| Average earning assets | $72,876,000 | 5,125 |
| Average equity | $5,714,750 | 5,739 |
| Average total loans | $13,720,750 | 6,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4674% | 6,484 |
| Cost of funding earning assets | 0.2366% | 5,617 |
| Net interest margin | 2.2309% | 6,436 |
| Noninterest income to average assets | 0.3997% | 4,246 |
| Noninterest expense to average assets | 2.0677% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3251% | 5,479 |
| Return on assets (ROA) | 0.3251% | 5,557 |
| Pretax return on assets | 0.4929% | 5,296 |
| Return on Equity (ROE) | 4.2945% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.2945% | 3,440 |
| Net charge-offs to loans | 0.2960% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,384 |
| Efficiency ratio | 80.7492% | 1,914 |
| Assets per employee ($millions) | 4.0873% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,972 |
| Loan loss allowance to noncurrent loans | 166.0377% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 5,715 |
| Noncurrent loans to loans | 0.7702% | 3,782 |
| Net loans and leases to total assets | 18.4679% | 6,531 |
| Net loans and leases to deposits | 20.0555% | 6,554 |
| Net loans and leases to core deposits | 20.1447% | 6,553 |
| Total domestic deposits to total assets | 92.0838% | 163 |
| Equity capital to assets | 7.8061% | 6,252 |
| Core capital (leverage) ratio | 7.9165% | 6,149 |
| Tier 1 risk-based capital ratio | 23.5949% | 1,032 |
| Total risk-based capital ratio | 24.3180% | 1,086 |
| Memoranda: | ||
| Average total assets | $75,058,670 | 5,271 |
| Average earning assets | $72,707,670 | 5,167 |
| Average equity | $5,681,670 | 5,781 |
| Average total loans | $13,514,670 | 6,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4204% | 6,569 |
| Cost of funding earning assets | 0.2339% | 5,720 |
| Net interest margin | 2.1865% | 6,533 |
| Noninterest income to average assets | 0.4169% | 4,054 |
| Noninterest expense to average assets | 2.0633% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3113% | 5,452 |
| Return on assets (ROA) | 0.3113% | 5,502 |
| Pretax return on assets | 0.4749% | 5,242 |
| Return on Equity (ROE) | 4.1763% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.1763% | 3,624 |
| Net charge-offs to loans | 0.6572% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.0909% | 2,572 |
| Efficiency ratio | 81.2890% | 2,015 |
| Assets per employee ($millions) | 4.0922% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,125 |
| Loan loss allowance to noncurrent loans | 98.8636% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 5,479 |
| Noncurrent loans to loans | 1.3145% | 2,833 |
| Net loans and leases to total assets | 17.9408% | 6,611 |
| Net loans and leases to deposits | 19.4624% | 6,626 |
| Net loans and leases to core deposits | 19.5488% | 6,621 |
| Total domestic deposits to total assets | 92.1815% | 210 |
| Equity capital to assets | 7.7126% | 6,230 |
| Core capital (leverage) ratio | 7.6439% | 6,289 |
| Tier 1 risk-based capital ratio | 23.7619% | 1,040 |
| Total risk-based capital ratio | 24.4897% | 1,092 |
| Memoranda: | ||
| Average total assets | $75,802,500 | 5,307 |
| Average earning assets | $73,542,000 | 5,191 |
| Average equity | $5,651,000 | 5,832 |
| Average total loans | $13,390,500 | 6,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2277% | 6,681 |
| Cost of funding earning assets | 0.2505% | 5,959 |
| Net interest margin | 1.9771% | 6,650 |
| Noninterest income to average assets | 0.4125% | 4,359 |
| Noninterest expense to average assets | 2.0929% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1633% | 5,911 |
| Return on assets (ROA) | 0.1633% | 5,977 |
| Pretax return on assets | 0.2312% | 5,886 |
| Return on Equity (ROE) | 2.1346% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.1346% | 4,721 |
| Net charge-offs to loans | 0.6347% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.9195% | 4,412 |
| Efficiency ratio | 90.0536% | 1,019 |
| Assets per employee ($millions) | 4.1024% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,360 |
| Loan loss allowance to noncurrent loans | 131.5436% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 5,734 |
| Noncurrent loans to loans | 1.1126% | 3,313 |
| Net loans and leases to total assets | 16.9297% | 6,705 |
| Net loans and leases to deposits | 18.2588% | 6,719 |
| Net loans and leases to core deposits | 18.3349% | 6,716 |
| Total domestic deposits to total assets | 92.7206% | 166 |
| Equity capital to assets | 7.2114% | 6,396 |
| Core capital (leverage) ratio | 7.1224% | 6,495 |
| Tier 1 risk-based capital ratio | 23.0077% | 1,098 |
| Total risk-based capital ratio | 23.8099% | 1,145 |
| Memoranda: | ||
| Average total assets | $72,244,800 | 5,412 |
| Average earning assets | $69,848,400 | 5,315 |
| Average equity | $5,528,000 | 5,923 |
| Average total loans | $13,707,000 | 6,464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1789% | 6,774 |
| Cost of funding earning assets | 0.2519% | 6,070 |
| Net interest margin | 1.9270% | 6,742 |
| Noninterest income to average assets | 0.4085% | 4,470 |
| Noninterest expense to average assets | 2.1519% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0753% | 6,180 |
| Return on assets (ROA) | 0.0753% | 6,236 |
| Pretax return on assets | 0.1148% | 6,198 |
| Return on Equity (ROE) | 0.9688% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.9688% | 5,591 |
| Net charge-offs to loans | -0.0484% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9336% | 681 |
| Assets per employee ($millions) | 3.9442% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 1,387 |
| Loan loss allowance to noncurrent loans | 564.7059% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 6,253 |
| Noncurrent loans to loans | 0.3835% | 5,248 |
| Net loans and leases to total assets | 16.4938% | 6,786 |
| Net loans and leases to deposits | 17.7612% | 6,803 |
| Net loans and leases to core deposits | 17.8343% | 6,801 |
| Total domestic deposits to total assets | 92.8642% | 132 |
| Equity capital to assets | 7.0268% | 6,543 |
| Core capital (leverage) ratio | 7.1094% | 6,567 |
| Tier 1 risk-based capital ratio | 22.5023% | 1,223 |
| Total risk-based capital ratio | 23.6715% | 1,219 |
| Memoranda: | ||
| Average total assets | $70,819,500 | 5,507 |
| Average earning assets | $68,291,000 | 5,398 |
| Average equity | $5,504,750 | 6,001 |
| Average total loans | $13,785,750 | 6,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1396% | 6,827 |
| Cost of funding earning assets | 0.2557% | 6,134 |
| Net interest margin | 1.8840% | 6,794 |
| Noninterest income to average assets | 0.3934% | 4,572 |
| Noninterest expense to average assets | 2.2280% | 5,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0176% | 6,319 |
| Return on assets (ROA) | -0.0176% | 6,378 |
| Pretax return on assets | -0.0176% | 6,372 |
| Return on Equity (ROE) | -0.2185% | 6,384 |
| Retained earnings to average equity (ytd only) | -0.2185% | 5,897 |
| Net charge-offs to loans | -0.0143% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7968% | 462 |
| Assets per employee ($millions) | 3.8814% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,234.7826% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,442 |
| Noncurrent loans to loans | 0.1646% | 5,912 |
| Net loans and leases to total assets | 17.6354% | 6,821 |
| Net loans and leases to deposits | 18.9967% | 6,842 |
| Net loans and leases to core deposits | 19.1906% | 6,842 |
| Total domestic deposits to total assets | 92.8338% | 141 |
| Equity capital to assets | 7.0812% | 6,586 |
| Core capital (leverage) ratio | 8.0025% | 6,183 |
| Tier 1 risk-based capital ratio | 23.2235% | 1,100 |
| Total risk-based capital ratio | 24.4233% | 1,088 |
| Memoranda: | ||
| Average total assets | $68,131,330 | 5,633 |
| Average earning assets | $65,712,330 | 5,504 |
| Average equity | $5,492,000 | 6,045 |
| Average total loans | $13,948,000 | 6,567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2135% | 6,891 |
| Cost of funding earning assets | 0.2693% | 6,163 |
| Net interest margin | 1.9442% | 6,863 |
| Noninterest income to average assets | 0.4733% | 3,969 |
| Noninterest expense to average assets | 2.5117% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1704% | 6,497 |
| Return on assets (ROA) | -0.1704% | 6,539 |
| Pretax return on assets | -0.1704% | 6,530 |
| Return on Equity (ROE) | -1.9674% | 6,557 |
| Retained earnings to average equity (ytd only) | -1.9674% | 6,074 |
| Net charge-offs to loans | -0.0574% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2776% | 373 |
| Assets per employee ($millions) | 3.0994% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 1,872 |
| Loan loss allowance to noncurrent loans | 890.6250% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 6,290 |
| Noncurrent loans to loans | 0.2321% | 5,832 |
| Net loans and leases to total assets | 21.7784% | 6,825 |
| Net loans and leases to deposits | 23.9061% | 6,857 |
| Net loans and leases to core deposits | 24.2183% | 6,863 |
| Total domestic deposits to total assets | 91.0999% | 487 |
| Equity capital to assets | 8.8340% | 5,683 |
| Core capital (leverage) ratio | 8.9301% | 5,006 |
| Tier 1 risk-based capital ratio | 24.8176% | 912 |
| Total risk-based capital ratio | 26.0684% | 900 |
| Memoranda: | ||
| Average total assets | $63,383,000 | 5,826 |
| Average earning assets | $60,899,000 | 5,713 |
| Average equity | $5,489,500 | 6,104 |
| Average total loans | $13,935,000 | 6,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5104% | 6,937 |
| Cost of funding earning assets | 0.3191% | 6,360 |
| Net interest margin | 2.1913% | 6,879 |
| Noninterest income to average assets | 0.4771% | 4,052 |
| Noninterest expense to average assets | 2.5900% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0147% | 6,192 |
| Return on assets (ROA) | -0.0147% | 6,321 |
| Pretax return on assets | -0.0147% | 6,300 |
| Return on Equity (ROE) | -0.1633% | 6,323 |
| Retained earnings to average equity (ytd only) | -0.1633% | 5,880 |
| Net charge-offs to loans | -0.1182% | 6,863 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5711% | 540 |
| Assets per employee ($millions) | 3.0847% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 1,992 |
| Loan loss allowance to noncurrent loans | 602.1277% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 6,272 |
| Noncurrent loans to loans | 0.3337% | 5,654 |
| Net loans and leases to total assets | 21.3066% | 6,909 |
| Net loans and leases to deposits | 23.2929% | 6,940 |
| Net loans and leases to core deposits | 23.5823% | 6,937 |
| Total domestic deposits to total assets | 91.4724% | 344 |
| Equity capital to assets | 8.4952% | 6,060 |
| Core capital (leverage) ratio | 8.5457% | 5,549 |
| Tier 1 risk-based capital ratio | 24.2883% | 938 |
| Total risk-based capital ratio | 25.5374% | 917 |
| Memoranda: | ||
| Average total assets | $61,197,400 | 5,892 |
| Average earning assets | $58,596,200 | 5,793 |
| Average equity | $5,511,600 | 6,144 |
| Average total loans | $14,377,400 | 6,687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5546% | 7,037 |
| Cost of funding earning assets | 0.3286% | 6,474 |
| Net interest margin | 2.2260% | 6,978 |
| Noninterest income to average assets | 0.4820% | 4,046 |
| Noninterest expense to average assets | 2.6046% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0022% | 6,277 |
| Return on assets (ROA) | 0.0022% | 6,403 |
| Pretax return on assets | 0.0044% | 6,388 |
| Return on Equity (ROE) | 0.0241% | 6,403 |
| Retained earnings to average equity (ytd only) | 0.0241% | 6,063 |
| Net charge-offs to loans | 0.1384% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1335% | 5,268 |
| Efficiency ratio | 99.8305% | 539 |
| Assets per employee ($millions) | 3.0845% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 3,368 |
| Loan loss allowance to noncurrent loans | 456.3636% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,386 |
| Noncurrent loans to loans | 0.3597% | 5,759 |
| Net loans and leases to total assets | 23.2192% | 6,985 |
| Net loans and leases to deposits | 25.4054% | 7,015 |
| Net loans and leases to core deposits | 25.7208% | 7,022 |
| Total domestic deposits to total assets | 91.3947% | 311 |
| Equity capital to assets | 8.5096% | 6,250 |
| Core capital (leverage) ratio | 9.2240% | 4,717 |
| Tier 1 risk-based capital ratio | 22.9935% | 1,173 |
| Total risk-based capital ratio | 24.0405% | 1,186 |
| Memoranda: | ||
| Average total assets | $60,302,250 | 5,981 |
| Average earning assets | $57,620,000 | 5,888 |
| Average equity | $5,513,750 | 6,212 |
| Average total loans | $14,450,500 | 6,772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5988% | 7,102 |
| Cost of funding earning assets | 0.3449% | 6,529 |
| Net interest margin | 2.2540% | 7,027 |
| Noninterest income to average assets | 0.5067% | 3,885 |
| Noninterest expense to average assets | 2.6457% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0136% | 6,303 |
| Return on assets (ROA) | 0.0136% | 6,440 |
| Pretax return on assets | 0.0170% | 6,428 |
| Return on Equity (ROE) | 0.1451% | 6,439 |
| Retained earnings to average equity (ytd only) | 0.1451% | 5,994 |
| Net charge-offs to loans | 0.2682% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2632% | 4,948 |
| Efficiency ratio | 99.3614% | 584 |
| Assets per employee ($millions) | 2.7511% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 3,059 |
| Loan loss allowance to noncurrent loans | 312.6582% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 6,318 |
| Noncurrent loans to loans | 0.5574% | 5,400 |
| Net loans and leases to total assets | 24.1025% | 7,032 |
| Net loans and leases to deposits | 26.6706% | 7,063 |
| Net loans and leases to core deposits | 27.0462% | 7,071 |
| Total domestic deposits to total assets | 90.3711% | 728 |
| Equity capital to assets | 9.5458% | 4,994 |
| Core capital (leverage) ratio | 9.5988% | 4,003 |
| Tier 1 risk-based capital ratio | 25.1081% | 891 |
| Total risk-based capital ratio | 26.2326% | 890 |
| Memoranda: | ||
| Average total assets | $58,811,670 | 6,053 |
| Average earning assets | $56,256,330 | 5,961 |
| Average equity | $5,514,330 | 6,239 |
| Average total loans | $14,170,330 | 6,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5586% | 7,164 |
| Cost of funding earning assets | 0.3515% | 6,629 |
| Net interest margin | 2.2071% | 7,091 |
| Noninterest income to average assets | 0.5461% | 3,591 |
| Noninterest expense to average assets | 2.6293% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0270% | 6,369 |
| Return on assets (ROA) | 0.0270% | 6,486 |
| Pretax return on assets | 0.0337% | 6,476 |
| Return on Equity (ROE) | 0.2902% | 6,476 |
| Retained earnings to average equity (ytd only) | 0.2902% | 5,890 |
| Net charge-offs to loans | 0.3105% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4545% | 4,119 |
| Efficiency ratio | 98.7342% | 602 |
| Assets per employee ($millions) | 2.7610% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 3,117 |
| Loan loss allowance to noncurrent loans | 231.8182% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 6,283 |
| Noncurrent loans to loans | 0.7599% | 5,142 |
| Net loans and leases to total assets | 24.5270% | 7,073 |
| Net loans and leases to deposits | 27.1243% | 7,109 |
| Net loans and leases to core deposits | 27.5046% | 7,111 |
| Total domestic deposits to total assets | 90.4244% | 850 |
| Equity capital to assets | 9.5135% | 4,787 |
| Core capital (leverage) ratio | 9.4703% | 4,092 |
| Tier 1 risk-based capital ratio | 24.8267% | 920 |
| Total risk-based capital ratio | 25.9744% | 919 |
| Memoranda: | ||
| Average total assets | $59,330,500 | 6,085 |
| Average earning assets | $56,907,000 | 5,979 |
| Average equity | $5,514,000 | 6,271 |
| Average total loans | $14,169,500 | 6,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9562% | 7,185 |
| Cost of funding earning assets | 0.4119% | 6,859 |
| Net interest margin | 2.5443% | 7,031 |
| Noninterest income to average assets | 0.4746% | 4,033 |
| Noninterest expense to average assets | 2.7152% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1207% | 5,815 |
| Return on assets (ROA) | 0.1207% | 5,938 |
| Pretax return on assets | 0.1526% | 5,884 |
| Return on Equity (ROE) | 1.3127% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.3127% | 5,237 |
| Net charge-offs to loans | 0.2467% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.7576% | 3,842 |
| Efficiency ratio | 94.6784% | 883 |
| Assets per employee ($millions) | 2.8895% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 2,512 |
| Loan loss allowance to noncurrent loans | 266.0000% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 6,428 |
| Noncurrent loans to loans | 0.7213% | 5,253 |
| Net loans and leases to total assets | 22.4077% | 7,179 |
| Net loans and leases to deposits | 24.6577% | 7,203 |
| Net loans and leases to core deposits | 24.7926% | 7,207 |
| Total domestic deposits to total assets | 90.8751% | 553 |
| Equity capital to assets | 9.0837% | 5,441 |
| Core capital (leverage) ratio | 9.0436% | 4,701 |
| Tier 1 risk-based capital ratio | 25.2890% | 844 |
| Total risk-based capital ratio | 26.5095% | 825 |
| Memoranda: | ||
| Average total assets | $59,628,000 | 6,053 |
| Average earning assets | $56,086,000 | 5,977 |
| Average equity | $5,484,800 | 6,299 |
| Average total loans | $13,374,000 | 6,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0676% | 7,243 |
| Cost of funding earning assets | 0.4279% | 6,946 |
| Net interest margin | 2.6397% | 7,042 |
| Noninterest income to average assets | 0.4874% | 3,974 |
| Noninterest expense to average assets | 2.7266% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1662% | 5,784 |
| Return on assets (ROA) | 0.1662% | 5,913 |
| Pretax return on assets | 0.2268% | 5,850 |
| Return on Equity (ROE) | 1.8010% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.8010% | 5,233 |
| Net charge-offs to loans | 0.5131% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.9803% | 4,166 |
| Efficiency ratio | 92.3194% | 1,009 |
| Assets per employee ($millions) | 2.9674% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 3,055 |
| Loan loss allowance to noncurrent loans | 215.6522% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 6,476 |
| Noncurrent loans to loans | 0.8177% | 5,233 |
| Net loans and leases to total assets | 22.1693% | 7,255 |
| Net loans and leases to deposits | 24.3535% | 7,289 |
| Net loans and leases to core deposits | 24.4830% | 7,292 |
| Total domestic deposits to total assets | 91.0312% | 420 |
| Equity capital to assets | 8.8501% | 5,919 |
| Core capital (leverage) ratio | 9.1831% | 4,653 |
| Tier 1 risk-based capital ratio | 24.7498% | 940 |
| Total risk-based capital ratio | 25.8628% | 934 |
| Memoranda: | ||
| Average total assets | $59,365,000 | 6,114 |
| Average earning assets | $55,459,750 | 6,052 |
| Average equity | $5,478,000 | 6,346 |
| Average total loans | $13,251,750 | 7,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 7,290 |
| Cost of funding earning assets | 0.4532% | 6,999 |
| Net interest margin | 2.7265% | 7,001 |
| Noninterest income to average assets | 0.4899% | 3,950 |
| Noninterest expense to average assets | 2.8057% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1644% | 5,845 |
| Return on assets (ROA) | 0.1644% | 5,941 |
| Pretax return on assets | 0.2192% | 5,892 |
| Return on Equity (ROE) | 1.7564% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.7564% | 5,118 |
| Net charge-offs to loans | 0.8320% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1852% | 4,394 |
| Efficiency ratio | 92.7520% | 1,049 |
| Assets per employee ($millions) | 2.7633% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,741 |
| Loan loss allowance to noncurrent loans | 181.4815% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 6,419 |
| Noncurrent loans to loans | 1.0341% | 4,929 |
| Net loans and leases to total assets | 22.0752% | 7,345 |
| Net loans and leases to deposits | 24.4084% | 7,369 |
| Net loans and leases to core deposits | 24.7575% | 7,374 |
| Total domestic deposits to total assets | 90.4410% | 742 |
| Equity capital to assets | 9.4591% | 4,872 |
| Core capital (leverage) ratio | 9.3683% | 4,157 |
| Tier 1 risk-based capital ratio | 26.0723% | 808 |
| Total risk-based capital ratio | 27.2360% | 798 |
| Memoranda: | ||
| Average total assets | $58,381,330 | 6,196 |
| Average earning assets | $54,283,000 | 6,137 |
| Average equity | $5,465,670 | 6,382 |
| Average total loans | $12,981,330 | 7,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 7,338 |
| Cost of funding earning assets | 0.4703% | 7,065 |
| Net interest margin | 2.7324% | 6,985 |
| Noninterest income to average assets | 0.5260% | 3,684 |
| Noninterest expense to average assets | 2.7802% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1776% | 5,862 |
| Return on assets (ROA) | 0.1776% | 5,911 |
| Pretax return on assets | 0.2459% | 5,819 |
| Return on Equity (ROE) | 1.9069% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.9069% | 4,983 |
| Net charge-offs to loans | -0.3708% | 7,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8736% | 1,174 |
| Assets per employee ($millions) | 2.7708% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3341% | 1,714 |
| Loan loss allowance to noncurrent loans | 818.4211% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,875 |
| Noncurrent loans to loans | 0.2852% | 6,416 |
| Net loans and leases to total assets | 22.3641% | 7,401 |
| Net loans and leases to deposits | 24.7081% | 7,423 |
| Net loans and leases to core deposits | 25.0602% | 7,428 |
| Total domestic deposits to total assets | 90.5133% | 833 |
| Equity capital to assets | 9.3956% | 4,582 |
| Core capital (leverage) ratio | 9.3769% | 4,000 |
| Tier 1 risk-based capital ratio | 25.7537% | 807 |
| Total risk-based capital ratio | 27.0068% | 786 |
| Memoranda: | ||
| Average total assets | $58,557,500 | 6,240 |
| Average earning assets | $53,580,000 | 6,214 |
| Average equity | $5,454,000 | 6,400 |
| Average total loans | $12,944,500 | 7,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 7,260 |
| Cost of funding earning assets | 0.6104% | 7,105 |
| Net interest margin | 3.1749% | 6,327 |
| Noninterest income to average assets | 0.5041% | 4,136 |
| Noninterest expense to average assets | 3.0140% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2424% | 5,126 |
| Return on assets (ROA) | 0.2424% | 5,280 |
| Pretax return on assets | 0.3495% | 5,081 |
| Return on Equity (ROE) | 2.5382% | 5,161 |
| Retained earnings to average equity (ytd only) | 0.6989% | 5,213 |
| Net charge-offs to loans | -0.1297% | 7,519 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6084% | 1,350 |
| Assets per employee ($millions) | 2.8061% | 6,519 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3796% | 1,577 |
| Loan loss allowance to noncurrent loans | 575.0000% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,885 |
| Noncurrent loans to loans | 0.4138% | 6,217 |
| Net loans and leases to total assets | 20.8152% | 7,513 |
| Net loans and leases to deposits | 22.9473% | 7,536 |
| Net loans and leases to core deposits | 23.2694% | 7,535 |
| Total domestic deposits to total assets | 90.7090% | 743 |
| Equity capital to assets | 9.2333% | 4,783 |
| Core capital (leverage) ratio | 9.2385% | 4,112 |
| Tier 1 risk-based capital ratio | 26.4924% | 708 |
| Total risk-based capital ratio | 27.7437% | 692 |
| Memoranda: | ||
| Average total assets | $56,934,000 | 6,312 |
| Average earning assets | $51,277,800 | 6,317 |
| Average equity | $5,437,000 | 6,527 |
| Average total loans | $12,340,400 | 7,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 7,317 |
| Cost of funding earning assets | 0.6407% | 7,200 |
| Net interest margin | 3.3005% | 6,016 |
| Noninterest income to average assets | 0.5079% | 4,120 |
| Noninterest expense to average assets | 3.0571% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2764% | 5,250 |
| Return on assets (ROA) | 0.2764% | 5,414 |
| Pretax return on assets | 0.4205% | 5,160 |
| Return on Equity (ROE) | 2.8698% | 5,272 |
| Retained earnings to average equity (ytd only) | 1.3981% | 5,244 |
| Net charge-offs to loans | -0.2062% | 7,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9076% | 1,453 |
| Assets per employee ($millions) | 2.7624% | 6,664 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4677% | 1,376 |
| Loan loss allowance to noncurrent loans | 487.0968% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 6,957 |
| Noncurrent loans to loans | 0.5066% | 6,186 |
| Net loans and leases to total assets | 20.5758% | 7,620 |
| Net loans and leases to deposits | 22.7487% | 7,644 |
| Net loans and leases to core deposits | 22.9728% | 7,642 |
| Total domestic deposits to total assets | 90.4482% | 661 |
| Equity capital to assets | 9.4122% | 4,968 |
| Core capital (leverage) ratio | 9.6139% | 3,748 |
| Tier 1 risk-based capital ratio | 27.4620% | 664 |
| Total risk-based capital ratio | 28.7144% | 656 |
| Memoranda: | ||
| Average total assets | $56,435,500 | 6,404 |
| Average earning assets | $50,779,250 | 6,414 |
| Average equity | $5,436,000 | 6,606 |
| Average total loans | $12,284,250 | 7,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 7,330 |
| Cost of funding earning assets | 0.6733% | 7,248 |
| Net interest margin | 3.3626% | 5,786 |
| Noninterest income to average assets | 0.5115% | 4,019 |
| Noninterest expense to average assets | 3.0549% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3255% | 5,089 |
| Return on assets (ROA) | 0.3255% | 5,252 |
| Pretax return on assets | 0.4936% | 4,920 |
| Return on Equity (ROE) | 3.3530% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.1422% | 5,300 |
| Net charge-offs to loans | -0.2276% | 7,659 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0887% | 1,698 |
| Assets per employee ($millions) | 2.6476% | 6,866 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3107% | 1,563 |
| Loan loss allowance to noncurrent loans | 1,024.1379% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 7,123 |
| Noncurrent loans to loans | 0.2256% | 6,792 |
| Net loans and leases to total assets | 22.5827% | 7,659 |
| Net loans and leases to deposits | 25.0659% | 7,698 |
| Net loans and leases to core deposits | 25.7913% | 7,693 |
| Total domestic deposits to total assets | 90.0935% | 880 |
| Equity capital to assets | 9.7734% | 4,311 |
| Core capital (leverage) ratio | 9.6505% | 3,606 |
| Tier 1 risk-based capital ratio | 27.0174% | 695 |
| Total risk-based capital ratio | 28.2703% | 682 |
| Memoranda: | ||
| Average total assets | $55,910,670 | 6,458 |
| Average earning assets | $50,496,670 | 6,461 |
| Average equity | $5,428,000 | 6,641 |
| Average total loans | $12,299,670 | 7,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 7,350 |
| Cost of funding earning assets | 0.7024% | 7,331 |
| Net interest margin | 3.4241% | 5,481 |
| Noninterest income to average assets | 0.5279% | 3,828 |
| Noninterest expense to average assets | 3.1106% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3139% | 5,239 |
| Return on assets (ROA) | 0.3139% | 5,367 |
| Pretax return on assets | 0.4780% | 5,036 |
| Return on Equity (ROE) | 3.2442% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.2442% | 4,201 |
| Net charge-offs to loans | -0.2329% | 7,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6799% | 1,722 |
| Assets per employee ($millions) | 2.6750% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 1,583 |
| Loan loss allowance to noncurrent loans | 1,380.9524% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 7,260 |
| Noncurrent loans to loans | 0.1662% | 7,003 |
| Net loans and leases to total assets | 21.9795% | 7,759 |
| Net loans and leases to deposits | 24.3771% | 7,799 |
| Net loans and leases to core deposits | 25.3308% | 7,794 |
| Total domestic deposits to total assets | 90.1647% | 907 |
| Equity capital to assets | 9.6965% | 4,233 |
| Core capital (leverage) ratio | 9.8570% | 3,331 |
| Tier 1 risk-based capital ratio | 26.8484% | 720 |
| Total risk-based capital ratio | 28.1004% | 703 |
| Memoranda: | ||
| Average total assets | $56,066,000 | 6,529 |
| Average earning assets | $50,115,000 | 6,546 |
| Average equity | $5,425,000 | 6,700 |
| Average total loans | $12,023,000 | 7,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 7,435 |
| Cost of funding earning assets | 0.8728% | 7,449 |
| Net interest margin | 3.5755% | 4,636 |
| Noninterest income to average assets | 0.4939% | 4,461 |
| Noninterest expense to average assets | 3.1031% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4697% | 3,859 |
| Return on assets (ROA) | 0.4697% | 3,972 |
| Pretax return on assets | 0.7120% | 3,531 |
| Return on Equity (ROE) | 4.6856% | 3,803 |
| Retained earnings to average equity (ytd only) | 1.1528% | 4,242 |
| Net charge-offs to loans | 0.1577% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 21.2222% | 1,006 |
| Efficiency ratio | 81.3385% | 2,695 |
| Assets per employee ($millions) | 2.6646% | 6,922 |
| Cash dividends to net income (ytd only)* | 75.3968% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4805% | 1,257 |
| Loan loss allowance to noncurrent loans | 165.4971% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 6,548 |
| Noncurrent loans to loans | 1.4988% | 4,415 |
| Net loans and leases to total assets | 19.8831% | 7,869 |
| Net loans and leases to deposits | 22.0387% | 7,900 |
| Net loans and leases to core deposits | 24.1376% | 7,899 |
| Total domestic deposits to total assets | 90.2193% | 871 |
| Equity capital to assets | 9.6556% | 4,205 |
| Core capital (leverage) ratio | 9.6890% | 3,477 |
| Tier 1 risk-based capital ratio | 28.0151% | 643 |
| Total risk-based capital ratio | 29.2648% | 624 |
| Memoranda: | ||
| Average total assets | $53,655,400 | 6,567 |
| Average earning assets | $49,839,600 | 6,536 |
| Average equity | $5,378,200 | 6,813 |
| Average total loans | $11,417,200 | 7,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 7,447 |
| Cost of funding earning assets | 0.8938% | 7,573 |
| Net interest margin | 3.6797% | 4,168 |
| Noninterest income to average assets | 0.4999% | 4,480 |
| Noninterest expense to average assets | 3.1222% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5426% | 3,821 |
| Return on assets (ROA) | 0.5426% | 3,905 |
| Pretax return on assets | 0.8214% | 3,471 |
| Return on Equity (ROE) | 5.3609% | 3,807 |
| Retained earnings to average equity (ytd only) | 1.3898% | 4,542 |
| Net charge-offs to loans | 0.1051% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 36.3325% | 802 |
| Efficiency ratio | 79.1720% | 2,969 |
| Assets per employee ($millions) | 2.6297% | 6,990 |
| Cash dividends to net income (ytd only)* | 74.0755% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 969 |
| Loan loss allowance to noncurrent loans | 166.8571% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,549 |
| Noncurrent loans to loans | 1.5567% | 4,307 |
| Net loans and leases to total assets | 19.8283% | 7,950 |
| Net loans and leases to deposits | 22.0216% | 7,983 |
| Net loans and leases to core deposits | 24.0364% | 7,975 |
| Total domestic deposits to total assets | 90.0406% | 756 |
| Equity capital to assets | 9.7711% | 4,393 |
| Core capital (leverage) ratio | 9.9220% | 3,373 |
| Tier 1 risk-based capital ratio | 28.2839% | 669 |
| Total risk-based capital ratio | 29.5366% | 650 |
| Memoranda: | ||
| Average total assets | $53,080,000 | 6,636 |
| Average earning assets | $49,677,000 | 6,584 |
| Average equity | $5,372,000 | 6,879 |
| Average total loans | $11,419,250 | 7,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 7,433 |
| Cost of funding earning assets | 0.9019% | 7,693 |
| Net interest margin | 3.7644% | 3,699 |
| Noninterest income to average assets | 0.4965% | 4,474 |
| Noninterest expense to average assets | 3.1509% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6035% | 3,658 |
| Return on assets (ROA) | 0.6035% | 3,769 |
| Pretax return on assets | 0.9166% | 3,283 |
| Return on Equity (ROE) | 5.8911% | 3,704 |
| Retained earnings to average equity (ytd only) | 1.4169% | 4,542 |
| Net charge-offs to loans | 0.2614% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,555 |
| Efficiency ratio | 77.4648% | 3,426 |
| Assets per employee ($millions) | 2.5260% | 7,203 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 977 |
| Loan loss allowance to noncurrent loans | 160.6742% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 6,483 |
| Noncurrent loans to loans | 1.5022% | 4,244 |
| Net loans and leases to total assets | 21.7985% | 8,018 |
| Net loans and leases to deposits | 24.3150% | 8,046 |
| Net loans and leases to core deposits | 26.3682% | 8,054 |
| Total domestic deposits to total assets | 89.6503% | 984 |
| Equity capital to assets | 10.1404% | 3,779 |
| Core capital (leverage) ratio | 10.2788% | 3,015 |
| Tier 1 risk-based capital ratio | 27.3977% | 749 |
| Total risk-based capital ratio | 28.6507% | 733 |
| Memoranda: | ||
| Average total assets | $52,365,330 | 6,730 |
| Average earning assets | $49,675,330 | 6,643 |
| Average equity | $5,364,000 | 6,940 |
| Average total loans | $11,478,330 | 7,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 7,402 |
| Cost of funding earning assets | 0.9341% | 7,768 |
| Net interest margin | 3.8422% | 3,289 |
| Noninterest income to average assets | 0.5074% | 4,255 |
| Noninterest expense to average assets | 3.0831% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6997% | 3,561 |
| Return on assets (ROA) | 0.6997% | 3,751 |
| Pretax return on assets | 1.0610% | 3,142 |
| Return on Equity (ROE) | 6.7955% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.3149% | 4,589 |
| Net charge-offs to loans | -0.1771% | 7,996 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3970% | 3,753 |
| Assets per employee ($millions) | 2.4538% | 7,371 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6519% | 650 |
| Loan loss allowance to noncurrent loans | 158.5492% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 6,207 |
| Noncurrent loans to loans | 1.6726% | 3,755 |
| Net loans and leases to total assets | 21.7994% | 8,066 |
| Net loans and leases to deposits | 24.3978% | 8,098 |
| Net loans and leases to core deposits | 26.1659% | 8,112 |
| Total domestic deposits to total assets | 89.3497% | 1,078 |
| Equity capital to assets | 10.4252% | 3,541 |
| Core capital (leverage) ratio | 10.4483% | 2,986 |
| Tier 1 risk-based capital ratio | 28.2603% | 736 |
| Total risk-based capital ratio | 29.5123% | 720 |
| Memoranda: | ||
| Average total assets | $52,025,500 | 6,781 |
| Average earning assets | $49,243,000 | 6,700 |
| Average equity | $5,356,500 | 6,985 |
| Average total loans | $11,293,000 | 7,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 7,625 |
| Cost of funding earning assets | 1.1629% | 7,971 |
| Net interest margin | 4.1134% | 2,652 |
| Noninterest income to average assets | 0.4937% | 4,656 |
| Noninterest expense to average assets | 3.2338% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7415% | 3,710 |
| Return on assets (ROA) | 0.7415% | 3,547 |
| Pretax return on assets | 1.1242% | 2,935 |
| Return on Equity (ROE) | 7.0571% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.7737% | 4,139 |
| Net charge-offs to loans | -0.2319% | 8,181 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2038% | 3,537 |
| Assets per employee ($millions) | 2.5010% | 7,202 |
| Cash dividends to net income (ytd only)* | 74.8663% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7247% | 553 |
| Loan loss allowance to noncurrent loans | 110.6618% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,466 |
| Noncurrent loans to loans | 2.4622% | 2,221 |
| Net loans and leases to total assets | 20.4600% | 8,148 |
| Net loans and leases to deposits | 22.8293% | 8,180 |
| Net loans and leases to core deposits | 24.3823% | 8,185 |
| Total domestic deposits to total assets | 89.6215% | 797 |
| Equity capital to assets | 10.1691% | 3,844 |
| Core capital (leverage) ratio | 10.0677% | 3,385 |
| Tier 1 risk-based capital ratio | 28.4990% | 733 |
| Total risk-based capital ratio | 29.7529% | 717 |
| Memoranda: | ||
| Average total assets | $50,436,400 | 6,757 |
| Average earning assets | $47,381,600 | 6,696 |
| Average equity | $5,299,600 | 7,043 |
| Average total loans | $11,209,600 | 7,878 |