Home > Tri-State Bank and Trust > Performance and Condition Ratios
Tri-State Bank and Trust, 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 | 5.5191% | 248 |
| Cost of funding earning assets | 0.3710% | 3,349 |
| Net interest margin | 5.1481% | 189 |
| Noninterest income to average assets | 1.5903% | 482 |
| Noninterest expense to average assets | 2.6992% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.0343% | 89 |
| Return on assets (ROA) | 20.5029% | 9 |
| Pretax return on assets | 20.5029% | 11 |
| Return on Equity (ROE) | 110.7030% | 3 |
| Retained earnings to average equity (ytd only) | 102.5113% | 1 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0776% | 5,706 |
| Assets per employee ($millions) | 4.3196% | 3,334 |
| Cash dividends to net income (ytd only)* | 7.3997% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 5.1335% | 6,020 |
| Net loans and leases to deposits | 6.7228% | 6,024 |
| Net loans and leases to core deposits | 6.8001% | 6,013 |
| Total domestic deposits to total assets | 76.3608% | 5,240 |
| Equity capital to assets | 23.5726% | 121 |
| Core capital (leverage) ratio | 23.2809% | 114 |
| Tier 1 risk-based capital ratio | 78.1541% | 55 |
| Total risk-based capital ratio | 78.1541% | 56 |
| Memoranda: | ||
| Average total assets | $32,824,670 | 5,805 |
| Average earning assets | $26,417,330 | 5,852 |
| Average equity | $6,079,330 | 5,372 |
| Average total loans | $2,138,330 | 6,020 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7202% | 66 |
| Cost of funding earning assets | 0.3768% | 3,333 |
| Net interest margin | 6.3433% | 56 |
| Noninterest income to average assets | 0.5883% | 2,603 |
| Noninterest expense to average assets | 2.1278% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.5171% | 67 |
| Return on assets (ROA) | 3.5171% | 66 |
| Pretax return on assets | 3.5171% | 93 |
| Return on Equity (ROE) | 22.2751% | 151 |
| Retained earnings to average equity (ytd only) | 2.5367% | 4,235 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6940% | 6,006 |
| Assets per employee ($millions) | 4.0169% | 3,916 |
| Cash dividends to net income (ytd only)* | 88.6121% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8925% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,572 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 6.8274% | 6,080 |
| Net loans and leases to deposits | 8.1097% | 6,083 |
| Net loans and leases to core deposits | 8.2006% | 6,072 |
| Total domestic deposits to total assets | 84.1886% | 3,449 |
| Equity capital to assets | 15.7523% | 562 |
| Core capital (leverage) ratio | 15.8390% | 494 |
| Tier 1 risk-based capital ratio | 35.1016% | 331 |
| Total risk-based capital ratio | 36.3498% | 327 |
| Memoranda: | ||
| Average total assets | $31,958,500 | 5,878 |
| Average earning assets | $25,475,500 | 5,923 |
| Average equity | $5,046,000 | 5,616 |
| Average total loans | $2,320,500 | 6,081 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6494% | 69 |
| Cost of funding earning assets | 0.3510% | 3,692 |
| Net interest margin | 6.2984% | 61 |
| Noninterest income to average assets | 0.3735% | 4,236 |
| Noninterest expense to average assets | 2.1891% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.2392% | 78 |
| Return on assets (ROA) | 3.2392% | 78 |
| Pretax return on assets | 3.2392% | 102 |
| Return on Equity (ROE) | 20.2566% | 240 |
| Retained earnings to average equity (ytd only) | 1.1679% | 5,043 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3271% | 6,059 |
| Assets per employee ($millions) | 3.9728% | 3,989 |
| Cash dividends to net income (ytd only)* | 94.2344% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3223% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 4,098 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 6.5163% | 6,140 |
| Net loans and leases to deposits | 7.7447% | 6,143 |
| Net loans and leases to core deposits | 7.8251% | 6,132 |
| Total domestic deposits to total assets | 84.1388% | 3,432 |
| Equity capital to assets | 15.8266% | 539 |
| Core capital (leverage) ratio | 15.7325% | 498 |
| Tier 1 risk-based capital ratio | 34.3932% | 350 |
| Total risk-based capital ratio | 35.6444% | 345 |
| Memoranda: | ||
| Average total assets | $32,662,400 | 5,916 |
| Average earning assets | $26,212,800 | 5,965 |
| Average equity | $5,223,000 | 5,598 |
| Average total loans | $2,901,200 | 6,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6186% | 73 |
| Cost of funding earning assets | 0.3382% | 3,884 |
| Net interest margin | 6.2803% | 60 |
| Noninterest income to average assets | 0.3568% | 4,389 |
| Noninterest expense to average assets | 2.0557% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.3452% | 74 |
| Return on assets (ROA) | 3.3452% | 72 |
| Pretax return on assets | 3.3452% | 100 |
| Return on Equity (ROE) | 20.8673% | 224 |
| Retained earnings to average equity (ytd only) | 8.2711% | 1,133 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0631% | 6,162 |
| Assets per employee ($millions) | 4.5944% | 2,842 |
| Cash dividends to net income (ytd only)* | 60.3635% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6314% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 3,047 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 8.2305% | 6,223 |
| Net loans and leases to deposits | 9.8735% | 6,225 |
| Net loans and leases to core deposits | 9.9759% | 6,216 |
| Total domestic deposits to total assets | 83.3587% | 3,675 |
| Equity capital to assets | 16.4671% | 496 |
| Core capital (leverage) ratio | 16.4528% | 431 |
| Tier 1 risk-based capital ratio | 35.5532% | 333 |
| Total risk-based capital ratio | 36.8153% | 333 |
| Memoranda: | ||
| Average total assets | $32,882,500 | 5,993 |
| Average earning assets | $26,410,000 | 6,045 |
| Average equity | $5,271,250 | 5,660 |
| Average total loans | $3,061,750 | 6,222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6092% | 74 |
| Cost of funding earning assets | 0.3241% | 4,104 |
| Net interest margin | 6.2852% | 62 |
| Noninterest income to average assets | 0.3744% | 4,266 |
| Noninterest expense to average assets | 1.9563% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.4538% | 72 |
| Return on assets (ROA) | 3.4538% | 73 |
| Pretax return on assets | 3.4538% | 98 |
| Return on Equity (ROE) | 21.7367% | 203 |
| Retained earnings to average equity (ytd only) | 21.7367% | 66 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1607% | 6,258 |
| Assets per employee ($millions) | 4.6023% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1438% | 34 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,159 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 8.9148% | 6,294 |
| Net loans and leases to deposits | 10.7844% | 6,296 |
| Net loans and leases to core deposits | 10.8969% | 6,287 |
| Total domestic deposits to total assets | 82.6639% | 4,072 |
| Equity capital to assets | 17.1995% | 400 |
| Core capital (leverage) ratio | 16.0627% | 457 |
| Tier 1 risk-based capital ratio | 36.8320% | 319 |
| Total risk-based capital ratio | 38.0816% | 314 |
| Memoranda: | ||
| Average total assets | $33,123,000 | 6,059 |
| Average earning assets | $26,538,670 | 6,108 |
| Average equity | $5,263,000 | 5,718 |
| Average total loans | $3,137,330 | 6,296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6282% | 73 |
| Cost of funding earning assets | 0.2999% | 4,445 |
| Net interest margin | 6.3283% | 59 |
| Noninterest income to average assets | 0.4765% | 3,456 |
| Noninterest expense to average assets | 1.8108% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.6931% | 67 |
| Return on assets (ROA) | 3.6931% | 70 |
| Pretax return on assets | 3.6931% | 96 |
| Return on Equity (ROE) | 24.1998% | 123 |
| Retained earnings to average equity (ytd only) | 24.1998% | 52 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9004% | 6,345 |
| Assets per employee ($millions) | 5.0696% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8168% | 46 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 3,468 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 8.5778% | 6,369 |
| Net loans and leases to deposits | 10.0851% | 6,370 |
| Net loans and leases to core deposits | 10.3520% | 6,360 |
| Total domestic deposits to total assets | 85.0537% | 3,381 |
| Equity capital to assets | 14.8759% | 738 |
| Core capital (leverage) ratio | 16.2656% | 434 |
| Tier 1 risk-based capital ratio | 33.2892% | 415 |
| Total risk-based capital ratio | 34.4747% | 412 |
| Memoranda: | ||
| Average total assets | $33,576,500 | 6,107 |
| Average earning assets | $26,674,000 | 6,169 |
| Average equity | $5,124,000 | 5,803 |
| Average total loans | $3,176,000 | 6,367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4359% | 93 |
| Cost of funding earning assets | 0.3044% | 4,750 |
| Net interest margin | 6.1315% | 77 |
| Noninterest income to average assets | 0.4527% | 3,813 |
| Noninterest expense to average assets | 4.9465% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6641% | 4,068 |
| Return on assets (ROA) | 0.6641% | 4,164 |
| Pretax return on assets | 0.6641% | 4,743 |
| Return on Equity (ROE) | 4.3029% | 4,978 |
| Retained earnings to average equity (ytd only) | -0.5210% | 5,854 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1635% | 981 |
| Assets per employee ($millions) | 4.5237% | 2,999 |
| Cash dividends to net income (ytd only)* | 112.1076% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0256% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 3,324 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 9.2591% | 6,455 |
| Net loans and leases to deposits | 10.9866% | 6,458 |
| Net loans and leases to core deposits | 11.3165% | 6,447 |
| Total domestic deposits to total assets | 84.2765% | 3,597 |
| Equity capital to assets | 15.6919% | 577 |
| Core capital (leverage) ratio | 14.4004% | 725 |
| Tier 1 risk-based capital ratio | 15.6612% | 3,148 |
| Total risk-based capital ratio | 16.2538% | 3,421 |
| Memoranda: | ||
| Average total assets | $33,579,200 | 6,185 |
| Average earning assets | $28,247,800 | 6,214 |
| Average equity | $5,182,600 | 5,815 |
| Average total loans | $4,027,600 | 6,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3657% | 102 |
| Cost of funding earning assets | 0.3024% | 4,867 |
| Net interest margin | 6.0632% | 81 |
| Noninterest income to average assets | 4.0323% | 146 |
| Noninterest expense to average assets | 5.7235% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.4098% | 75 |
| Return on assets (ROA) | 3.4098% | 74 |
| Pretax return on assets | 3.4098% | 90 |
| Return on Equity (ROE) | 22.1791% | 180 |
| Retained earnings to average equity (ytd only) | 15.8132% | 176 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6661% | 4,786 |
| Assets per employee ($millions) | 5.2633% | 1,942 |
| Cash dividends to net income (ytd only)* | 28.7032% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0456% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,889 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 9.6029% | 6,535 |
| Net loans and leases to deposits | 11.3510% | 6,538 |
| Net loans and leases to core deposits | 11.6263% | 6,527 |
| Total domestic deposits to total assets | 84.5995% | 3,500 |
| Equity capital to assets | 15.2458% | 686 |
| Core capital (leverage) ratio | 15.7075% | 517 |
| Tier 1 risk-based capital ratio | 15.2218% | 3,459 |
| Total risk-based capital ratio | 15.7313% | 3,836 |
| Memoranda: | ||
| Average total assets | $34,057,500 | 6,253 |
| Average earning assets | $28,653,000 | 6,280 |
| Average equity | $5,236,000 | 5,867 |
| Average total loans | $4,254,500 | 6,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2912% | 105 |
| Cost of funding earning assets | 0.3434% | 4,502 |
| Net interest margin | 5.9478% | 87 |
| Noninterest income to average assets | 0.5614% | 3,042 |
| Noninterest expense to average assets | 2.4269% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.3626% | 75 |
| Return on assets (ROA) | 3.3626% | 75 |
| Pretax return on assets | 3.3626% | 93 |
| Return on Equity (ROE) | 21.8047% | 204 |
| Retained earnings to average equity (ytd only) | 12.0180% | 424 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9187% | 6,482 |
| Assets per employee ($millions) | 3.6580% | 4,535 |
| Cash dividends to net income (ytd only)* | 44.8833% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4423% | 125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 12.2836% | 6,585 |
| Net loans and leases to deposits | 14.6702% | 6,587 |
| Net loans and leases to core deposits | 15.0738% | 6,577 |
| Total domestic deposits to total assets | 83.7312% | 4,023 |
| Equity capital to assets | 16.1078% | 534 |
| Core capital (leverage) ratio | 16.3733% | 424 |
| Tier 1 risk-based capital ratio | 16.0809% | 3,048 |
| Total risk-based capital ratio | 16.6510% | 3,353 |
| Memoranda: | ||
| Average total assets | $33,129,000 | 6,325 |
| Average earning assets | $29,120,000 | 6,332 |
| Average equity | $5,109,000 | 5,933 |
| Average total loans | $4,430,670 | 6,589 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 114 |
| Cost of funding earning assets | 0.3902% | 4,085 |
| Net interest margin | 5.8129% | 94 |
| Noninterest income to average assets | 0.5296% | 3,195 |
| Noninterest expense to average assets | 2.3351% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.3943% | 78 |
| Return on assets (ROA) | 3.3943% | 82 |
| Pretax return on assets | 3.3943% | 108 |
| Return on Equity (ROE) | 22.5060% | 181 |
| Retained earnings to average equity (ytd only) | 2.5539% | 4,534 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7563% | 6,575 |
| Assets per employee ($millions) | 3.7414% | 4,444 |
| Cash dividends to net income (ytd only)* | 88.6525% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9797% | 194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.4707% | 6,647 |
| Net loans and leases to deposits | 15.8502% | 6,651 |
| Net loans and leases to core deposits | 16.2697% | 6,644 |
| Total domestic deposits to total assets | 84.9880% | 3,872 |
| Equity capital to assets | 14.9318% | 689 |
| Core capital (leverage) ratio | 14.8332% | 618 |
| Tier 1 risk-based capital ratio | 15.3804% | 3,510 |
| Total risk-based capital ratio | 15.9555% | 3,839 |
| Memoranda: | ||
| Average total assets | $33,232,500 | 6,390 |
| Average earning assets | $29,727,000 | 6,386 |
| Average equity | $5,012,000 | 5,993 |
| Average total loans | $4,530,000 | 6,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9239% | 194 |
| Cost of funding earning assets | 0.3943% | 4,714 |
| Net interest margin | 5.5296% | 129 |
| Noninterest income to average assets | 0.5269% | 3,577 |
| Noninterest expense to average assets | 2.4721% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.0817% | 104 |
| Return on assets (ROA) | 3.0817% | 104 |
| Pretax return on assets | 3.0817% | 111 |
| Return on Equity (ROE) | 19.9738% | 277 |
| Retained earnings to average equity (ytd only) | -2.9782% | 6,261 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5119% | 6,603 |
| Assets per employee ($millions) | 3.2792% | 5,326 |
| Cash dividends to net income (ytd only)* | 114.9105% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3358% | 158 |
| 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 | 12.6494% | 6,737 |
| Net loans and leases to deposits | 14.9289% | 6,738 |
| Net loans and leases to core deposits | 15.3363% | 6,733 |
| Total domestic deposits to total assets | 84.7310% | 3,879 |
| Equity capital to assets | 15.2354% | 635 |
| Core capital (leverage) ratio | 15.3927% | 557 |
| Tier 1 risk-based capital ratio | 15.2480% | 3,520 |
| Total risk-based capital ratio | 15.8218% | 3,853 |
| Memoranda: | ||
| Average total assets | $32,644,600 | 6,469 |
| Average earning assets | $29,676,400 | 6,454 |
| Average equity | $5,036,600 | 6,054 |
| Average total loans | $3,665,200 | 6,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 264 |
| Cost of funding earning assets | 0.3974% | 4,838 |
| Net interest margin | 5.3359% | 181 |
| Noninterest income to average assets | 0.5152% | 3,706 |
| Noninterest expense to average assets | 2.3716% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.0299% | 103 |
| Return on assets (ROA) | 3.0299% | 104 |
| Pretax return on assets | 3.0299% | 136 |
| Return on Equity (ROE) | 19.5766% | 333 |
| Retained earnings to average equity (ytd only) | -3.5401% | 6,397 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9061% | 6,658 |
| Assets per employee ($millions) | 3.4424% | 4,967 |
| Cash dividends to net income (ytd only)* | 118.0834% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6708% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 12.3846% | 6,822 |
| Net loans and leases to deposits | 14.8658% | 6,819 |
| Net loans and leases to core deposits | 15.3033% | 6,814 |
| Total domestic deposits to total assets | 83.3097% | 4,458 |
| Equity capital to assets | 16.1771% | 521 |
| Core capital (leverage) ratio | 15.7655% | 523 |
| Tier 1 risk-based capital ratio | 16.1106% | 3,126 |
| Total risk-based capital ratio | 16.7149% | 3,443 |
| Memoranda: | ||
| Average total assets | $32,607,750 | 6,545 |
| Average earning assets | $29,860,000 | 6,520 |
| Average equity | $5,046,750 | 6,124 |
| Average total loans | $3,497,500 | 6,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 279 |
| Cost of funding earning assets | 0.4120% | 4,841 |
| Net interest margin | 5.2830% | 189 |
| Noninterest income to average assets | 0.5189% | 3,708 |
| Noninterest expense to average assets | 2.3711% | 5,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.9442% | 117 |
| Return on assets (ROA) | 2.9442% | 122 |
| Pretax return on assets | 2.9442% | 153 |
| Return on Equity (ROE) | 19.2949% | 359 |
| Retained earnings to average equity (ytd only) | -5.4563% | 6,486 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6084% | 6,692 |
| Assets per employee ($millions) | 3.4667% | 4,924 |
| Cash dividends to net income (ytd only)* | 128.2787% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8679% | 128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 11.7756% | 6,869 |
| Net loans and leases to deposits | 14.0524% | 6,875 |
| Net loans and leases to core deposits | 14.4606% | 6,868 |
| Total domestic deposits to total assets | 83.7981% | 4,409 |
| Equity capital to assets | 16.0513% | 518 |
| Core capital (leverage) ratio | 15.7961% | 487 |
| Tier 1 risk-based capital ratio | 16.0667% | 3,153 |
| Total risk-based capital ratio | 16.6699% | 3,485 |
| Memoranda: | ||
| Average total assets | $33,149,670 | 6,577 |
| Average earning assets | $30,096,670 | 6,558 |
| Average equity | $5,058,330 | 6,163 |
| Average total loans | $3,321,670 | 6,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 313 |
| Cost of funding earning assets | 0.4131% | 4,980 |
| Net interest margin | 5.1892% | 197 |
| Noninterest income to average assets | 0.5158% | 3,671 |
| Noninterest expense to average assets | 2.2975% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.9304% | 113 |
| Return on assets (ROA) | 2.9304% | 119 |
| Pretax return on assets | 2.9304% | 166 |
| Return on Equity (ROE) | 19.6715% | 318 |
| Retained earnings to average equity (ytd only) | -9.8357% | 6,610 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9462% | 6,777 |
| Assets per employee ($millions) | 3.6122% | 4,752 |
| Cash dividends to net income (ytd only)* | 150.0000% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4805% | 56 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 8.3451% | 6,962 |
| Net loans and leases to deposits | 9.8813% | 6,963 |
| Net loans and leases to core deposits | 10.0930% | 6,954 |
| Total domestic deposits to total assets | 84.4540% | 4,286 |
| Equity capital to assets | 15.4445% | 651 |
| Core capital (leverage) ratio | 14.4311% | 686 |
| Tier 1 risk-based capital ratio | 44.4415% | 173 |
| Total risk-based capital ratio | 45.6984% | 173 |
| Memoranda: | ||
| Average total assets | $34,124,500 | 6,613 |
| Average earning assets | $30,987,500 | 6,600 |
| Average equity | $5,083,500 | 6,224 |
| Average total loans | $3,051,500 | 6,962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7822% | 380 |
| Cost of funding earning assets | 0.5399% | 4,904 |
| Net interest margin | 5.2423% | 250 |
| Noninterest income to average assets | 0.4276% | 4,400 |
| Noninterest expense to average assets | 2.5339% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.6028% | 133 |
| Return on assets (ROA) | 2.6028% | 146 |
| Pretax return on assets | 2.6028% | 220 |
| Return on Equity (ROE) | 17.4383% | 500 |
| Retained earnings to average equity (ytd only) | 0.0192% | 5,824 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3296% | 6,631 |
| Assets per employee ($millions) | 3.9710% | 4,007 |
| Cash dividends to net income (ytd only)* | 99.8897% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8713% | 73 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 8.4334% | 7,021 |
| Net loans and leases to deposits | 9.8587% | 7,025 |
| Net loans and leases to core deposits | 10.2594% | 7,017 |
| Total domestic deposits to total assets | 85.5424% | 3,589 |
| Equity capital to assets | 14.3988% | 909 |
| Core capital (leverage) ratio | 14.9489% | 582 |
| Tier 1 risk-based capital ratio | 15.7592% | 3,286 |
| Total risk-based capital ratio | 16.3349% | 3,623 |
| Memoranda: | ||
| Average total assets | $34,847,600 | 6,637 |
| Average earning assets | $31,303,000 | 6,632 |
| Average equity | $5,201,200 | 6,245 |
| Average total loans | $3,393,600 | 7,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 372 |
| Cost of funding earning assets | 0.5577% | 5,019 |
| Net interest margin | 5.2852% | 248 |
| Noninterest income to average assets | 0.4236% | 4,455 |
| Noninterest expense to average assets | 2.5030% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.6647% | 142 |
| Return on assets (ROA) | 2.6647% | 153 |
| Pretax return on assets | 2.6647% | 227 |
| Return on Equity (ROE) | 17.6920% | 535 |
| Retained earnings to average equity (ytd only) | 0.1022% | 6,042 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4352% | 6,694 |
| Assets per employee ($millions) | 3.9559% | 3,962 |
| Cash dividends to net income (ytd only)* | 99.4223% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9565% | 151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 10.1256% | 7,116 |
| Net loans and leases to deposits | 11.8675% | 7,121 |
| Net loans and leases to core deposits | 12.3489% | 7,114 |
| Total domestic deposits to total assets | 85.3215% | 3,606 |
| Equity capital to assets | 14.4623% | 983 |
| Core capital (leverage) ratio | 14.6963% | 669 |
| Tier 1 risk-based capital ratio | 15.6424% | 3,458 |
| Total risk-based capital ratio | 16.2135% | 3,824 |
| Memoranda: | ||
| Average total assets | $34,624,750 | 6,726 |
| Average earning assets | $31,080,000 | 6,718 |
| Average equity | $5,215,000 | 6,303 |
| Average total loans | $3,441,500 | 7,124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 314 |
| Cost of funding earning assets | 0.5673% | 5,168 |
| Net interest margin | 5.3858% | 216 |
| Noninterest income to average assets | 0.4607% | 4,201 |
| Noninterest expense to average assets | 2.6007% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.6765% | 136 |
| Return on assets (ROA) | 2.6765% | 148 |
| Pretax return on assets | 2.6765% | 231 |
| Return on Equity (ROE) | 17.5291% | 565 |
| Retained earnings to average equity (ytd only) | 0.8020% | 5,745 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2818% | 6,692 |
| Assets per employee ($millions) | 3.9750% | 3,931 |
| Cash dividends to net income (ytd only)* | 95.4248% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1719% | 138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 9.6352% | 7,184 |
| Net loans and leases to deposits | 11.2831% | 7,188 |
| Net loans and leases to core deposits | 11.7377% | 7,182 |
| Total domestic deposits to total assets | 85.3948% | 3,665 |
| Equity capital to assets | 14.4403% | 936 |
| Core capital (leverage) ratio | 15.0144% | 595 |
| Tier 1 risk-based capital ratio | 15.4269% | 3,492 |
| Total risk-based capital ratio | 15.9883% | 3,902 |
| Memoranda: | ||
| Average total assets | $34,298,670 | 6,780 |
| Average earning assets | $30,673,330 | 6,777 |
| Average equity | $5,237,000 | 6,324 |
| Average total loans | $3,324,330 | 7,187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0963% | 268 |
| Cost of funding earning assets | 0.5566% | 5,453 |
| Net interest margin | 5.5397% | 170 |
| Noninterest income to average assets | 0.5244% | 3,748 |
| Noninterest expense to average assets | 2.4672% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.0393% | 102 |
| Return on assets (ROA) | 3.0393% | 121 |
| Pretax return on assets | 3.0393% | 178 |
| Return on Equity (ROE) | 19.3457% | 424 |
| Retained earnings to average equity (ytd only) | 19.3457% | 207 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8052% | 6,959 |
| Assets per employee ($millions) | 3.7253% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6558% | 102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 9.3534% | 7,242 |
| Net loans and leases to deposits | 11.1673% | 7,247 |
| Net loans and leases to core deposits | 11.6524% | 7,239 |
| Total domestic deposits to total assets | 83.7569% | 4,613 |
| Equity capital to assets | 16.1059% | 563 |
| Core capital (leverage) ratio | 16.0623% | 454 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,954 |
| Total risk-based capital ratio | 16.9853% | 3,290 |
| Memoranda: | ||
| Average total assets | $33,560,500 | 6,848 |
| Average earning assets | $30,182,000 | 6,840 |
| Average equity | $5,272,500 | 6,344 |
| Average total loans | $3,169,000 | 7,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 241 |
| Cost of funding earning assets | 0.5958% | 6,108 |
| Net interest margin | 5.7402% | 121 |
| Noninterest income to average assets | 0.5299% | 3,652 |
| Noninterest expense to average assets | 2.5447% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 3.2632% | 70 |
| Return on assets (ROA) | 3.2632% | 70 |
| Pretax return on assets | 3.2632% | 103 |
| Return on Equity (ROE) | 21.3516% | 209 |
| Retained earnings to average equity (ytd only) | 1.7826% | 4,944 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8144% | 7,130 |
| Assets per employee ($millions) | 3.7326% | 4,481 |
| Cash dividends to net income (ytd only)* | 91.6514% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2376% | 78 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 8.4125% | 7,296 |
| Net loans and leases to deposits | 9.9416% | 7,300 |
| Net loans and leases to core deposits | 10.3240% | 7,290 |
| Total domestic deposits to total assets | 84.6188% | 4,037 |
| Equity capital to assets | 15.3157% | 717 |
| Core capital (leverage) ratio | 15.3276% | 551 |
| Tier 1 risk-based capital ratio | 15.9966% | 3,052 |
| Total risk-based capital ratio | 16.5812% | 3,385 |
| Memoranda: | ||
| Average total assets | $33,403,000 | 6,878 |
| Average earning assets | $30,713,200 | 6,845 |
| Average equity | $5,105,000 | 6,409 |
| Average total loans | $3,572,400 | 7,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3824% | 234 |
| Cost of funding earning assets | 0.5959% | 6,294 |
| Net interest margin | 5.7865% | 118 |
| Noninterest income to average assets | 0.5276% | 3,672 |
| Noninterest expense to average assets | 2.4703% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 3.4136% | 72 |
| Return on assets (ROA) | 3.4136% | 75 |
| Pretax return on assets | 3.4136% | 110 |
| Return on Equity (ROE) | 22.3482% | 205 |
| Retained earnings to average equity (ytd only) | 2.7478% | 4,715 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9837% | 7,210 |
| Assets per employee ($millions) | 3.7878% | 4,330 |
| Cash dividends to net income (ytd only)* | 87.7046% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0852% | 168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 10.2933% | 7,365 |
| Net loans and leases to deposits | 12.5045% | 7,368 |
| Net loans and leases to core deposits | 12.9915% | 7,359 |
| Total domestic deposits to total assets | 82.3174% | 4,969 |
| Equity capital to assets | 15.1335% | 822 |
| Core capital (leverage) ratio | 15.2394% | 619 |
| Tier 1 risk-based capital ratio | 15.8198% | 3,206 |
| Total risk-based capital ratio | 16.3963% | 3,547 |
| Memoranda: | ||
| Average total assets | $33,355,500 | 6,945 |
| Average earning assets | $30,875,750 | 6,908 |
| Average equity | $5,095,000 | 6,466 |
| Average total loans | $3,712,000 | 7,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4996% | 206 |
| Cost of funding earning assets | 0.5956% | 6,482 |
| Net interest margin | 5.9040% | 102 |
| Noninterest income to average assets | 0.5195% | 3,709 |
| Noninterest expense to average assets | 2.5671% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.4007% | 84 |
| Return on assets (ROA) | 3.4007% | 84 |
| Pretax return on assets | 3.4007% | 117 |
| Return on Equity (ROE) | 22.1930% | 231 |
| Retained earnings to average equity (ytd only) | 2.5228% | 4,687 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0162% | 7,270 |
| Assets per employee ($millions) | 3.6450% | 4,578 |
| Cash dividends to net income (ytd only)* | 88.6323% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1634% | 168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 10.5258% | 7,440 |
| Net loans and leases to deposits | 12.4986% | 7,450 |
| Net loans and leases to core deposits | 12.9939% | 7,438 |
| Total domestic deposits to total assets | 84.2158% | 4,255 |
| Equity capital to assets | 15.6013% | 682 |
| Core capital (leverage) ratio | 15.5105% | 577 |
| Tier 1 risk-based capital ratio | 15.5444% | 3,218 |
| Total risk-based capital ratio | 16.1154% | 3,537 |
| Memoranda: | ||
| Average total assets | $33,110,670 | 7,012 |
| Average earning assets | $30,555,670 | 6,979 |
| Average equity | $5,073,670 | 6,509 |
| Average total loans | $3,717,000 | 7,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4545% | 229 |
| Cost of funding earning assets | 0.6259% | 6,493 |
| Net interest margin | 5.8286% | 113 |
| Noninterest income to average assets | 0.6494% | 2,853 |
| Noninterest expense to average assets | 2.3209% | 6,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.7038% | 84 |
| Return on assets (ROA) | 3.7038% | 86 |
| Pretax return on assets | 3.7038% | 112 |
| Return on Equity (ROE) | 24.3888% | 184 |
| Retained earnings to average equity (ytd only) | 4.6719% | 3,396 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5230% | 7,414 |
| Assets per employee ($millions) | 3.6601% | 4,629 |
| Cash dividends to net income (ytd only)* | 80.8442% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4163% | 148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 9.9663% | 7,501 |
| Net loans and leases to deposits | 11.8013% | 7,512 |
| Net loans and leases to core deposits | 12.2656% | 7,500 |
| Total domestic deposits to total assets | 84.4510% | 4,296 |
| Equity capital to assets | 15.4245% | 676 |
| Core capital (leverage) ratio | 15.3250% | 601 |
| Tier 1 risk-based capital ratio | 15.9589% | 2,919 |
| Total risk-based capital ratio | 16.5494% | 3,219 |
| Memoranda: | ||
| Average total assets | $33,263,500 | 7,060 |
| Average earning assets | $30,676,500 | 7,028 |
| Average equity | $5,051,500 | 6,541 |
| Average total loans | $3,755,000 | 7,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7062% | 230 |
| Cost of funding earning assets | 0.6852% | 6,922 |
| Net interest margin | 6.0210% | 97 |
| Noninterest income to average assets | 0.6899% | 2,902 |
| Noninterest expense to average assets | 2.2879% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.9395% | 44 |
| Return on assets (ROA) | 4.1934% | 44 |
| Pretax return on assets | 4.1934% | 69 |
| Return on Equity (ROE) | 27.9414% | 55 |
| Retained earnings to average equity (ytd only) | -0.5970% | 5,730 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7386% | 7,540 |
| Assets per employee ($millions) | 3.7318% | 4,397 |
| Cash dividends to net income (ytd only)* | 102.1368% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6546% | 246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 11.4661% | 7,581 |
| Net loans and leases to deposits | 13.4971% | 7,589 |
| Net loans and leases to core deposits | 14.0108% | 7,573 |
| Total domestic deposits to total assets | 84.9521% | 3,875 |
| Equity capital to assets | 14.9527% | 800 |
| Core capital (leverage) ratio | 14.2178% | 805 |
| Tier 1 risk-based capital ratio | 15.3851% | 3,048 |
| Total risk-based capital ratio | 15.9610% | 3,382 |
| Memoranda: | ||
| Average total assets | $33,481,000 | 7,098 |
| Average earning assets | $30,792,400 | 7,060 |
| Average equity | $5,024,800 | 6,657 |
| Average total loans | $4,320,200 | 7,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7476% | 219 |
| Cost of funding earning assets | 0.6921% | 7,082 |
| Net interest margin | 6.0555% | 87 |
| Noninterest income to average assets | 0.6775% | 2,959 |
| Noninterest expense to average assets | 2.2756% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.9814% | 44 |
| Return on assets (ROA) | 3.9814% | 45 |
| Pretax return on assets | 3.9814% | 74 |
| Return on Equity (ROE) | 26.5042% | 86 |
| Retained earnings to average equity (ytd only) | -1.6183% | 6,121 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3694% | 7,631 |
| Assets per employee ($millions) | 3.7556% | 4,380 |
| Cash dividends to net income (ytd only)* | 106.1060% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3179% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 12.3254% | 7,683 |
| Net loans and leases to deposits | 14.5056% | 7,691 |
| Net loans and leases to core deposits | 14.5056% | 7,678 |
| Total domestic deposits to total assets | 84.9704% | 3,630 |
| Equity capital to assets | 14.7663% | 950 |
| Core capital (leverage) ratio | 14.3506% | 844 |
| Tier 1 risk-based capital ratio | 15.8807% | 2,822 |
| Total risk-based capital ratio | 16.4789% | 3,108 |
| Memoranda: | ||
| Average total assets | $33,454,750 | 7,186 |
| Average earning assets | $30,825,000 | 7,142 |
| Average equity | $5,025,500 | 6,747 |
| Average total loans | $4,390,500 | 7,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9742% | 159 |
| Cost of funding earning assets | 0.6654% | 7,266 |
| Net interest margin | 6.3087% | 80 |
| Noninterest income to average assets | 0.6839% | 2,792 |
| Noninterest expense to average assets | 2.2916% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 4.1932% | 47 |
| Return on assets (ROA) | 4.1932% | 48 |
| Pretax return on assets | 4.1932% | 67 |
| Return on Equity (ROE) | 27.7546% | 76 |
| Retained earnings to average equity (ytd only) | 0.5559% | 5,541 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3377% | 7,703 |
| Assets per employee ($millions) | 3.2749% | 5,497 |
| Cash dividends to net income (ytd only)* | 97.9971% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0017% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 13.7714% | 7,738 |
| Net loans and leases to deposits | 16.3406% | 7,750 |
| Net loans and leases to core deposits | 16.3406% | 7,743 |
| Total domestic deposits to total assets | 84.2774% | 3,971 |
| Equity capital to assets | 15.4692% | 775 |
| Core capital (leverage) ratio | 14.9083% | 739 |
| Tier 1 risk-based capital ratio | 16.6338% | 2,427 |
| Total risk-based capital ratio | 17.2511% | 2,635 |
| Memoranda: | ||
| Average total assets | $33,339,670 | 7,243 |
| Average earning assets | $30,656,000 | 7,203 |
| Average equity | $5,037,000 | 6,769 |
| Average total loans | $4,402,670 | 7,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4625% | 388 |
| Cost of funding earning assets | 0.6384% | 7,476 |
| Net interest margin | 5.8241% | 126 |
| Noninterest income to average assets | 0.6898% | 2,666 |
| Noninterest expense to average assets | 2.2596% | 6,514 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.7461% | 56 |
| Return on assets (ROA) | 3.7461% | 59 |
| Pretax return on assets | 3.7461% | 88 |
| Return on Equity (ROE) | 25.0871% | 159 |
| Retained earnings to average equity (ytd only) | -4.6989% | 6,564 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6238% | 7,777 |
| Assets per employee ($millions) | 3.3534% | 5,423 |
| Cash dividends to net income (ytd only)* | 118.7302% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9881% | 384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 13.4967% | 7,843 |
| Net loans and leases to deposits | 16.3134% | 7,853 |
| Net loans and leases to core deposits | 16.9710% | 7,839 |
| Total domestic deposits to total assets | 82.7339% | 4,739 |
| Equity capital to assets | 14.8894% | 906 |
| Core capital (leverage) ratio | 14.9071% | 764 |
| Tier 1 risk-based capital ratio | 16.2851% | 2,532 |
| Total risk-based capital ratio | 16.8982% | 2,755 |
| Memoranda: | ||
| Average total assets | $33,635,000 | 7,322 |
| Average earning assets | $30,700,000 | 7,294 |
| Average equity | $5,022,500 | 6,834 |
| Average total loans | $4,255,000 | 7,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6946% | 3,128 |
| Cost of funding earning assets | 0.7674% | 7,599 |
| Net interest margin | 4.9271% | 525 |
| Noninterest income to average assets | 0.7561% | 2,637 |
| Noninterest expense to average assets | 2.3173% | 6,702 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.8806% | 60 |
| Return on assets (ROA) | 2.6663% | 78 |
| Pretax return on assets | 2.6663% | 132 |
| Return on Equity (ROE) | 17.1978% | 441 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5819% | 7,762 |
| Assets per employee ($millions) | 3.3736% | 5,318 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9526% | 179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 10.6948% | 7,928 |
| Net loans and leases to deposits | 12.5934% | 7,937 |
| Net loans and leases to core deposits | 15.2494% | 7,936 |
| Total domestic deposits to total assets | 84.9241% | 3,590 |
| Equity capital to assets | 14.9751% | 917 |
| Core capital (leverage) ratio | 15.0496% | 773 |
| Tier 1 risk-based capital ratio | 16.3548% | 2,376 |
| Total risk-based capital ratio | 16.9634% | 2,579 |
| Memoranda: | ||
| Average total assets | $32,667,000 | 7,376 |
| Average earning assets | $29,449,200 | 7,378 |
| Average equity | $5,064,600 | 6,919 |
| Average total loans | $4,562,400 | 7,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 4,464 |
| Cost of funding earning assets | 0.7785% | 7,723 |
| Net interest margin | 4.7119% | 811 |
| Noninterest income to average assets | 0.7654% | 2,620 |
| Noninterest expense to average assets | 2.3621% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.6625% | 83 |
| Return on assets (ROA) | 2.6625% | 93 |
| Pretax return on assets | 2.6625% | 152 |
| Return on Equity (ROE) | 17.0223% | 548 |
| Retained earnings to average equity (ytd only) | 0.6052% | 4,947 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0106% | 7,718 |
| Assets per employee ($millions) | 3.1954% | 5,658 |
| Cash dividends to net income (ytd only)* | 96.4447% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6363% | 187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 12.1018% | 8,007 |
| Net loans and leases to deposits | 14.4361% | 8,019 |
| Net loans and leases to core deposits | 16.6731% | 8,013 |
| Total domestic deposits to total assets | 83.8299% | 3,802 |
| Equity capital to assets | 15.8822% | 807 |
| Core capital (leverage) ratio | 15.7126% | 725 |
| Tier 1 risk-based capital ratio | 20.3815% | 1,481 |
| Total risk-based capital ratio | 21.1365% | 1,535 |
| Memoranda: | ||
| Average total assets | $32,399,750 | 7,449 |
| Average earning assets | $29,287,000 | 7,449 |
| Average equity | $5,067,750 | 6,975 |
| Average total loans | $4,754,000 | 7,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 4,370 |
| Cost of funding earning assets | 0.8025% | 7,818 |
| Net interest margin | 4.7403% | 744 |
| Noninterest income to average assets | 0.7988% | 2,417 |
| Noninterest expense to average assets | 2.3288% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7528% | 77 |
| Return on assets (ROA) | 2.7528% | 86 |
| Pretax return on assets | 2.7528% | 138 |
| Return on Equity (ROE) | 17.6889% | 517 |
| Retained earnings to average equity (ytd only) | 0.4343% | 5,044 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8283% | 7,860 |
| Assets per employee ($millions) | 3.2285% | 5,515 |
| Cash dividends to net income (ytd only)* | 97.5446% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5620% | 164 |
| Loan loss allowance to noncurrent loans | 113.9394% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 6,155 |
| Noncurrent loans to loans | 4.0039% | 1,696 |
| Net loans and leases to total assets | 12.1821% | 8,095 |
| Net loans and leases to deposits | 14.4995% | 8,109 |
| Net loans and leases to core deposits | 16.6146% | 8,102 |
| Total domestic deposits to total assets | 84.0173% | 3,759 |
| Equity capital to assets | 15.7070% | 885 |
| Core capital (leverage) ratio | 15.7270% | 782 |
| Tier 1 risk-based capital ratio | 28.0073% | 717 |
| Total risk-based capital ratio | 29.0456% | 711 |
| Memoranda: | ||
| Average total assets | $32,548,330 | 7,507 |
| Average earning assets | $29,407,330 | 7,509 |
| Average equity | $5,065,330 | 7,039 |
| Average total loans | $4,987,000 | 8,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2579% | 1,415 |
| Cost of funding earning assets | 0.8198% | 7,888 |
| Net interest margin | 5.4381% | 191 |
| Noninterest income to average assets | 0.7222% | 2,750 |
| Noninterest expense to average assets | 2.4725% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.1212% | 59 |
| Return on assets (ROA) | 3.1212% | 71 |
| Pretax return on assets | 3.1212% | 114 |
| Return on Equity (ROE) | 20.1481% | 412 |
| Retained earnings to average equity (ytd only) | 0.3951% | 5,497 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2013% | 7,918 |
| Assets per employee ($millions) | 3.3252% | 5,266 |
| Cash dividends to net income (ytd only)* | 98.0392% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8739% | 244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 14.0292% | 8,139 |
| Net loans and leases to deposits | 16.5861% | 8,154 |
| Net loans and leases to core deposits | 18.9249% | 8,147 |
| Total domestic deposits to total assets | 84.5844% | 3,422 |
| Equity capital to assets | 15.2322% | 1,034 |
| Core capital (leverage) ratio | 15.3169% | 895 |
| Tier 1 risk-based capital ratio | 26.0518% | 888 |
| Total risk-based capital ratio | 27.0188% | 888 |
| Memoranda: | ||
| Average total assets | $32,680,000 | 7,541 |
| Average earning assets | $29,275,000 | 7,553 |
| Average equity | $5,062,500 | 7,091 |
| Average total loans | $5,420,000 | 8,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4831% | 3,043 |
| Cost of funding earning assets | 1.0975% | 8,009 |
| Net interest margin | 5.3856% | 243 |
| Noninterest income to average assets | 1.1404% | 1,193 |
| Noninterest expense to average assets | 2.3779% | 6,477 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.7282% | 44 |
| Return on assets (ROA) | 3.7282% | 45 |
| Pretax return on assets | 3.7282% | 67 |
| Return on Equity (ROE) | 23.3269% | 199 |
| Retained earnings to average equity (ytd only) | 0.0784% | 5,190 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9430% | 8,147 |
| Assets per employee ($millions) | 3.2108% | 5,454 |
| Cash dividends to net income (ytd only)* | 99.6639% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1401% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 18.0609% | 8,166 |
| Net loans and leases to deposits | 22.0469% | 8,184 |
| Net loans and leases to core deposits | 24.4570% | 8,184 |
| Total domestic deposits to total assets | 81.9204% | 4,234 |
| Equity capital to assets | 15.7593% | 984 |
| Core capital (leverage) ratio | 15.0887% | 1,009 |
| Tier 1 risk-based capital ratio | 27.5135% | 792 |
| Total risk-based capital ratio | 28.5357% | 784 |
| Memoranda: | ||
| Average total assets | $31,918,800 | 7,569 |
| Average earning assets | $29,430,200 | 7,544 |
| Average equity | $5,101,400 | 7,111 |
| Average total loans | $6,676,600 | 8,096 |