Home > Union Building and Loan Savings Bank > Performance and Condition Ratios
Union Building and Loan Savings Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 1,685 |
| Cost of funding earning assets | 0.8559% | 2,242 |
| Net interest margin | 4.0161% | 1,804 |
| Noninterest income to average assets | 0.1265% | 4,974 |
| Noninterest expense to average assets | 4.7950% | 236 |
| Loan and lease loss provision to assets | 1.3284% | 62 |
| Net operating income to assets | -1.5815% | 5,310 |
| Return on assets (ROA) | -1.5815% | 5,307 |
| Pretax return on assets | -2.1382% | 5,315 |
| Return on Equity (ROE) | -6.1732% | 5,271 |
| Retained earnings to average equity (ytd only) | -6.1732% | 4,982 |
| Net charge-offs to loans | 1.3081% | 97 |
| Credit loss provision to net charge-offs | 107.1429% | 1,515 |
| Earnings coverage of net charge-offs (x) | -0.6531% | 2,689 |
| Efficiency ratio | 120.3175% | 76 |
| Assets per employee ($millions) | 4.4299% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 4,943 |
| Loan loss allowance to noncurrent loans | 66.0448% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 1,079 |
| Noncurrent loans to loans | 0.9037% | 1,851 |
| Net loans and leases to total assets | 95.0692% | 5 |
| Net loans and leases to deposits | 142.5877% | 22 |
| Net loans and leases to core deposits | 144.7582% | 150 |
| Total domestic deposits to total assets | 66.6742% | 5,202 |
| Equity capital to assets | 25.9183% | 105 |
| Core capital (leverage) ratio | 25.6658% | 105 |
| Tier 1 risk-based capital ratio | 45.9520% | 162 |
| Total risk-based capital ratio | 46.9640% | 163 |
| Memoranda: | ||
| Average total assets | $31,616,000 | 5,182 |
| Average earning assets | $30,377,500 | 5,146 |
| Average equity | $8,099,500 | 4,607 |
| Average total loans | $29,968,000 | 4,788 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,802 |
| Cost of funding earning assets | 0.7089% | 2,038 |
| Net interest margin | 3.9977% | 1,992 |
| Noninterest income to average assets | 0.1017% | 5,143 |
| Noninterest expense to average assets | 3.2713% | 1,391 |
| Loan and lease loss provision to assets | 0.0154% | 3,841 |
| Net operating income to assets | 0.4717% | 4,724 |
| Return on assets (ROA) | 0.4717% | 4,724 |
| Pretax return on assets | 0.6752% | 4,476 |
| Return on Equity (ROE) | 1.8904% | 5,059 |
| Retained earnings to average equity (ytd only) | 1.8904% | 4,394 |
| Net charge-offs to loans | -0.0362% | 4,875 |
| Credit loss provision to net charge-offs | -45.4545% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5681% | 740 |
| Assets per employee ($millions) | 4.6033% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5614% | 5,039 |
| Loan loss allowance to noncurrent loans | 35.8650% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 802 |
| Noncurrent loans to loans | 1.5654% | 946 |
| Net loans and leases to total assets | 93.4395% | 12 |
| Net loans and leases to deposits | 135.4370% | 32 |
| Net loans and leases to core deposits | 137.3460% | 223 |
| Total domestic deposits to total assets | 68.9911% | 5,184 |
| Equity capital to assets | 25.3297% | 105 |
| Core capital (leverage) ratio | 25.7728% | 99 |
| Tier 1 risk-based capital ratio | 44.9895% | 176 |
| Total risk-based capital ratio | 45.9266% | 177 |
| Memoranda: | ||
| Average total assets | $32,433,200 | 5,216 |
| Average earning assets | $31,318,000 | 5,178 |
| Average equity | $8,093,600 | 4,595 |
| Average total loans | $30,368,400 | 4,814 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,668 |
| Cost of funding earning assets | 0.6925% | 1,884 |
| Net interest margin | 4.0105% | 1,924 |
| Noninterest income to average assets | 0.0862% | 5,255 |
| Noninterest expense to average assets | 3.2259% | 1,466 |
| Loan and lease loss provision to assets | 0.0205% | 3,599 |
| Net operating income to assets | 0.5048% | 4,753 |
| Return on assets (ROA) | 0.5048% | 4,757 |
| Pretax return on assets | 0.7142% | 4,500 |
| Return on Equity (ROE) | 2.0306% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.0306% | 4,575 |
| Net charge-offs to loans | -0.0483% | 4,917 |
| Credit loss provision to net charge-offs | -45.4545% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4508% | 815 |
| Assets per employee ($millions) | 4.5460% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 5,102 |
| Loan loss allowance to noncurrent loans | 30.1418% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 666 |
| Noncurrent loans to loans | 1.8671% | 814 |
| Net loans and leases to total assets | 94.3907% | 7 |
| Net loans and leases to deposits | 127.3672% | 62 |
| Net loans and leases to core deposits | 131.9264% | 296 |
| Total domestic deposits to total assets | 74.1091% | 4,969 |
| Equity capital to assets | 25.5546% | 105 |
| Core capital (leverage) ratio | 25.1298% | 109 |
| Tier 1 risk-based capital ratio | 43.8690% | 178 |
| Total risk-based capital ratio | 44.7861% | 181 |
| Memoranda: | ||
| Average total assets | $32,485,750 | 5,283 |
| Average earning assets | $31,383,250 | 5,248 |
| Average equity | $8,076,500 | 4,640 |
| Average total loans | $30,390,750 | 4,858 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,588 |
| Cost of funding earning assets | 0.6713% | 1,806 |
| Net interest margin | 3.9959% | 1,877 |
| Noninterest income to average assets | 0.0856% | 5,309 |
| Noninterest expense to average assets | 3.0636% | 1,878 |
| Loan and lease loss provision to assets | 0.0306% | 3,300 |
| Net operating income to assets | 0.6359% | 4,393 |
| Return on assets (ROA) | 0.6359% | 4,398 |
| Pretax return on assets | 0.8500% | 4,114 |
| Return on Equity (ROE) | 2.5813% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,223 |
| Net charge-offs to loans | -0.0722% | 5,050 |
| Credit loss provision to net charge-offs | -45.4545% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6744% | 1,225 |
| Assets per employee ($millions) | 4.7116% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 5,189 |
| Loan loss allowance to noncurrent loans | 29.6684% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 697 |
| Noncurrent loans to loans | 1.8627% | 828 |
| Net loans and leases to total assets | 92.7564% | 18 |
| Net loans and leases to deposits | 123.3499% | 77 |
| Net loans and leases to core deposits | 127.5251% | 380 |
| Total domestic deposits to total assets | 75.1978% | 4,937 |
| Equity capital to assets | 24.5990% | 115 |
| Core capital (leverage) ratio | 24.7808% | 109 |
| Tier 1 risk-based capital ratio | 43.5387% | 190 |
| Total risk-based capital ratio | 44.4510% | 190 |
| Memoranda: | ||
| Average total assets | $32,707,000 | 5,346 |
| Average earning assets | $31,582,330 | 5,310 |
| Average equity | $8,058,000 | 4,686 |
| Average total loans | $30,452,000 | 4,919 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 1,415 |
| Cost of funding earning assets | 0.6490% | 1,722 |
| Net interest margin | 4.0084% | 1,700 |
| Noninterest income to average assets | 0.0860% | 5,379 |
| Noninterest expense to average assets | 3.1686% | 1,645 |
| Loan and lease loss provision to assets | 0.0614% | 2,549 |
| Net operating income to assets | 0.5281% | 4,630 |
| Return on assets (ROA) | 0.5281% | 4,634 |
| Pretax return on assets | 0.7246% | 4,374 |
| Return on Equity (ROE) | 2.1418% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.1418% | 4,308 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1242% | 1,123 |
| Assets per employee ($millions) | 4.6744% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5254% | 5,295 |
| Loan loss allowance to noncurrent loans | 19.3196% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.5152% | 365 |
| Noncurrent loans to loans | 2.7193% | 466 |
| Net loans and leases to total assets | 92.0082% | 27 |
| Net loans and leases to deposits | 122.5365% | 90 |
| Net loans and leases to core deposits | 126.7088% | 405 |
| Total domestic deposits to total assets | 75.0863% | 5,055 |
| Equity capital to assets | 24.6080% | 108 |
| Core capital (leverage) ratio | 24.8695% | 108 |
| Tier 1 risk-based capital ratio | 43.5267% | 189 |
| Total risk-based capital ratio | 44.3862% | 188 |
| Memoranda: | ||
| Average total assets | $32,570,000 | 5,403 |
| Average earning assets | $31,434,000 | 5,364 |
| Average equity | $8,030,500 | 4,739 |
| Average total loans | $30,297,000 | 4,968 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 1,620 |
| Cost of funding earning assets | 0.6367% | 1,372 |
| Net interest margin | 3.8923% | 2,111 |
| Noninterest income to average assets | 0.4317% | 3,425 |
| Noninterest expense to average assets | 3.4026% | 1,190 |
| Loan and lease loss provision to assets | 0.1949% | 1,070 |
| Net operating income to assets | 0.2788% | 4,967 |
| Return on assets (ROA) | 0.2788% | 4,982 |
| Pretax return on assets | 0.5726% | 4,800 |
| Return on Equity (ROE) | 1.1693% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.1693% | 4,561 |
| Net charge-offs to loans | 0.9272% | 204 |
| Credit loss provision to net charge-offs | 23.1317% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.9110% | 3,949 |
| Efficiency ratio | 81.5960% | 954 |
| Assets per employee ($millions) | 4.0524% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 5,377 |
| Loan loss allowance to noncurrent loans | 18.2464% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.6034% | 344 |
| Noncurrent loans to loans | 2.7828% | 430 |
| Net loans and leases to total assets | 93.0781% | 20 |
| Net loans and leases to deposits | 127.3260% | 56 |
| Net loans and leases to core deposits | 131.8146% | 303 |
| Total domestic deposits to total assets | 73.1022% | 5,250 |
| Equity capital to assets | 24.7046% | 102 |
| Core capital (leverage) ratio | 24.7451% | 104 |
| Tier 1 risk-based capital ratio | 43.3528% | 174 |
| Total risk-based capital ratio | 44.1864% | 176 |
| Memoranda: | ||
| Average total assets | $33,357,200 | 5,444 |
| Average earning assets | $32,037,800 | 5,405 |
| Average equity | $7,953,800 | 4,787 |
| Average total loans | $30,305,000 | 5,017 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 1,550 |
| Cost of funding earning assets | 0.6286% | 1,361 |
| Net interest margin | 3.9041% | 2,028 |
| Noninterest income to average assets | 0.1032% | 5,468 |
| Noninterest expense to average assets | 3.4055% | 1,147 |
| Loan and lease loss provision to assets | 0.2580% | 661 |
| Net operating income to assets | 0.1151% | 5,433 |
| Return on assets (ROA) | 0.1151% | 5,443 |
| Pretax return on assets | 0.1866% | 5,399 |
| Return on Equity (ROE) | 0.4870% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.4870% | 5,111 |
| Net charge-offs to loans | 0.9989% | 174 |
| Credit loss provision to net charge-offs | 28.6344% | 3,094 |
| Earnings coverage of net charge-offs (x) | 0.4934% | 3,662 |
| Efficiency ratio | 88.4536% | 484 |
| Assets per employee ($millions) | 4.0536% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 5,159 |
| Loan loss allowance to noncurrent loans | 22.8823% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 3.5370% | 209 |
| Noncurrent loans to loans | 3.0066% | 429 |
| Net loans and leases to total assets | 92.5869% | 20 |
| Net loans and leases to deposits | 123.1189% | 71 |
| Net loans and leases to core deposits | 127.3217% | 381 |
| Total domestic deposits to total assets | 75.2012% | 5,108 |
| Equity capital to assets | 24.4997% | 114 |
| Core capital (leverage) ratio | 24.0277% | 114 |
| Tier 1 risk-based capital ratio | 43.4509% | 180 |
| Total risk-based capital ratio | 44.5885% | 177 |
| Memoranda: | ||
| Average total assets | $33,591,750 | 5,501 |
| Average earning assets | $32,238,750 | 5,457 |
| Average equity | $7,940,000 | 4,842 |
| Average total loans | $30,299,000 | 5,071 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,432 |
| Cost of funding earning assets | 0.6194% | 1,338 |
| Net interest margin | 3.9126% | 1,884 |
| Noninterest income to average assets | 0.0706% | 5,595 |
| Noninterest expense to average assets | 3.3432% | 1,286 |
| Loan and lease loss provision to assets | 0.0589% | 2,790 |
| Net operating income to assets | 0.2708% | 5,286 |
| Return on assets (ROA) | 0.2708% | 5,306 |
| Pretax return on assets | 0.4238% | 5,136 |
| Return on Equity (ROE) | 1.1589% | 5,449 |
| Retained earnings to average equity (ytd only) | 1.1589% | 4,776 |
| Net charge-offs to loans | 1.4973% | 122 |
| Credit loss provision to net charge-offs | 4.4053% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.3612% | 3,384 |
| Efficiency ratio | 87.3846% | 586 |
| Assets per employee ($millions) | 4.2156% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 5,515 |
| Loan loss allowance to noncurrent loans | 15.9875% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 3.6294% | 207 |
| Noncurrent loans to loans | 3.1565% | 396 |
| Net loans and leases to total assets | 89.4440% | 95 |
| Net loans and leases to deposits | 117.6207% | 124 |
| Net loans and leases to core deposits | 120.5395% | 539 |
| Total domestic deposits to total assets | 76.0445% | 5,088 |
| Equity capital to assets | 23.6086% | 121 |
| Core capital (leverage) ratio | 23.5444% | 121 |
| Tier 1 risk-based capital ratio | 43.4441% | 175 |
| Total risk-based capital ratio | 44.2789% | 178 |
| Memoranda: | ||
| Average total assets | $33,979,330 | 5,540 |
| Average earning assets | $32,612,330 | 5,496 |
| Average equity | $7,938,330 | 4,867 |
| Average total loans | $30,321,000 | 5,105 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,364 |
| Cost of funding earning assets | 0.6102% | 1,297 |
| Net interest margin | 3.8931% | 1,807 |
| Noninterest income to average assets | 0.0586% | 5,708 |
| Noninterest expense to average assets | 3.2956% | 1,401 |
| Loan and lease loss provision to assets | 0.1173% | 1,631 |
| Net operating income to assets | 0.2463% | 5,309 |
| Return on assets (ROA) | 0.2463% | 5,325 |
| Pretax return on assets | 0.3870% | 5,183 |
| Return on Equity (ROE) | 1.0597% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.0597% | 4,632 |
| Net charge-offs to loans | 2.9945% | 51 |
| Credit loss provision to net charge-offs | 4.4053% | 2,259 |
| Earnings coverage of net charge-offs (x) | 0.1894% | 2,837 |
| Efficiency ratio | 86.7284% | 745 |
| Assets per employee ($millions) | 4.2581% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5066% | 5,594 |
| Loan loss allowance to noncurrent loans | 26.3339% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.4894% | 461 |
| Noncurrent loans to loans | 1.9236% | 939 |
| Net loans and leases to total assets | 88.2137% | 102 |
| Net loans and leases to deposits | 115.3639% | 131 |
| Net loans and leases to core deposits | 119.3692% | 476 |
| Total domestic deposits to total assets | 76.4656% | 5,179 |
| Equity capital to assets | 23.2996% | 125 |
| Core capital (leverage) ratio | 23.1920% | 120 |
| Tier 1 risk-based capital ratio | 43.5883% | 183 |
| Total risk-based capital ratio | 44.4286% | 185 |
| Memoranda: | ||
| Average total assets | $34,106,500 | 5,599 |
| Average earning assets | $32,776,000 | 5,560 |
| Average equity | $7,926,500 | 4,915 |
| Average total loans | $30,322,500 | 5,147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 941 |
| Cost of funding earning assets | 0.6390% | 1,116 |
| Net interest margin | 4.1226% | 1,326 |
| Noninterest income to average assets | 0.0740% | 5,713 |
| Noninterest expense to average assets | 3.2844% | 1,607 |
| Loan and lease loss provision to assets | 0.1037% | 2,313 |
| Net operating income to assets | 0.4176% | 4,884 |
| Return on assets (ROA) | 0.4176% | 4,963 |
| Pretax return on assets | 0.6604% | 4,620 |
| Return on Equity (ROE) | 1.7951% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.7951% | 4,508 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1266% | 1,289 |
| Assets per employee ($millions) | 4.2685% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 3,027 |
| Loan loss allowance to noncurrent loans | 38.2231% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.9196% | 359 |
| Noncurrent loans to loans | 3.1798% | 405 |
| Net loans and leases to total assets | 88.0637% | 121 |
| Net loans and leases to deposits | 114.9673% | 143 |
| Net loans and leases to core deposits | 118.9228% | 516 |
| Total domestic deposits to total assets | 76.5989% | 5,169 |
| Equity capital to assets | 23.1814% | 125 |
| Core capital (leverage) ratio | 23.5736% | 118 |
| Tier 1 risk-based capital ratio | 42.0616% | 202 |
| Total risk-based capital ratio | 43.3209% | 196 |
| Memoranda: | ||
| Average total assets | $33,766,000 | 5,654 |
| Average earning assets | $32,552,600 | 5,616 |
| Average equity | $7,854,800 | 4,959 |
| Average total loans | $31,364,600 | 5,156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 817 |
| Cost of funding earning assets | 0.6450% | 1,080 |
| Net interest margin | 4.1988% | 1,119 |
| Noninterest income to average assets | 0.0832% | 5,759 |
| Noninterest expense to average assets | 3.2510% | 1,677 |
| Loan and lease loss provision to assets | 0.1386% | 1,695 |
| Net operating income to assets | 0.4554% | 4,852 |
| Return on assets (ROA) | 0.4554% | 4,936 |
| Pretax return on assets | 0.7405% | 4,498 |
| Return on Equity (ROE) | 1.9559% | 5,479 |
| Retained earnings to average equity (ytd only) | 1.9559% | 4,709 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7152% | 1,592 |
| Assets per employee ($millions) | 4.1856% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 3,453 |
| Loan loss allowance to noncurrent loans | 47.9275% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.3921% | 588 |
| Noncurrent loans to loans | 2.4302% | 736 |
| Net loans and leases to total assets | 93.7644% | 12 |
| Net loans and leases to deposits | 130.3159% | 38 |
| Net loans and leases to core deposits | 138.3189% | 210 |
| Total domestic deposits to total assets | 71.9516% | 5,598 |
| Equity capital to assets | 23.5628% | 125 |
| Core capital (leverage) ratio | 23.2963% | 120 |
| Tier 1 risk-based capital ratio | 41.2916% | 207 |
| Total risk-based capital ratio | 42.5476% | 207 |
| Memoranda: | ||
| Average total assets | $33,670,500 | 5,715 |
| Average earning assets | $32,452,500 | 5,678 |
| Average equity | $7,839,500 | 5,014 |
| Average total loans | $31,595,250 | 5,197 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 875 |
| Cost of funding earning assets | 0.6460% | 1,068 |
| Net interest margin | 4.1591% | 1,203 |
| Noninterest income to average assets | 0.0593% | 5,896 |
| Noninterest expense to average assets | 3.1365% | 1,960 |
| Loan and lease loss provision to assets | 0.1127% | 1,995 |
| Net operating income to assets | 0.5040% | 4,662 |
| Return on assets (ROA) | 0.5040% | 4,772 |
| Pretax return on assets | 0.8182% | 4,221 |
| Return on Equity (ROE) | 2.1732% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.1732% | 4,483 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1137% | 1,913 |
| Assets per employee ($millions) | 4.2218% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,838 |
| Loan loss allowance to noncurrent loans | 36.4948% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.9579% | 417 |
| Noncurrent loans to loans | 3.0695% | 476 |
| Net loans and leases to total assets | 92.5179% | 19 |
| Net loans and leases to deposits | 135.2918% | 25 |
| Net loans and leases to core deposits | 143.9423% | 155 |
| Total domestic deposits to total assets | 68.3840% | 5,830 |
| Equity capital to assets | 23.2723% | 124 |
| Core capital (leverage) ratio | 23.4207% | 111 |
| Tier 1 risk-based capital ratio | 39.2549% | 242 |
| Total risk-based capital ratio | 40.5134% | 241 |
| Memoranda: | ||
| Average total assets | $33,732,330 | 5,783 |
| Average earning assets | $32,507,000 | 5,743 |
| Average equity | $7,822,670 | 5,059 |
| Average total loans | $31,538,000 | 5,249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 788 |
| Cost of funding earning assets | 0.6768% | 904 |
| Net interest margin | 4.1594% | 1,193 |
| Noninterest income to average assets | 0.0593% | 5,940 |
| Noninterest expense to average assets | 2.8833% | 2,762 |
| Loan and lease loss provision to assets | 0.0593% | 2,770 |
| Net operating income to assets | 0.6882% | 3,768 |
| Return on assets (ROA) | 0.6882% | 3,885 |
| Pretax return on assets | 1.1272% | 2,982 |
| Return on Equity (ROE) | 2.9728% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.9728% | 4,026 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8455% | 2,977 |
| Assets per employee ($millions) | 4.7981% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 4,219 |
| Loan loss allowance to noncurrent loans | 40.8654% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.4771% | 603 |
| Noncurrent loans to loans | 2.6211% | 691 |
| Net loans and leases to total assets | 93.4945% | 13 |
| Net loans and leases to deposits | 133.7337% | 23 |
| Net loans and leases to core deposits | 140.1124% | 166 |
| Total domestic deposits to total assets | 69.9110% | 5,869 |
| Equity capital to assets | 23.3215% | 118 |
| Core capital (leverage) ratio | 23.2061% | 115 |
| Tier 1 risk-based capital ratio | 39.5606% | 240 |
| Total risk-based capital ratio | 40.8182% | 237 |
| Memoranda: | ||
| Average total assets | $33,711,500 | 5,841 |
| Average earning assets | $32,505,000 | 5,797 |
| Average equity | $7,804,000 | 5,089 |
| Average total loans | $31,506,500 | 5,289 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 979 |
| Cost of funding earning assets | 0.7177% | 751 |
| Net interest margin | 4.0485% | 1,565 |
| Noninterest income to average assets | 0.0503% | 6,004 |
| Noninterest expense to average assets | 3.2517% | 1,833 |
| Loan and lease loss provision to assets | 0.0414% | 3,508 |
| Net operating income to assets | 0.4290% | 4,955 |
| Return on assets (ROA) | 0.4290% | 5,033 |
| Pretax return on assets | 0.6628% | 4,640 |
| Return on Equity (ROE) | 1.8815% | 5,596 |
| Retained earnings to average equity (ytd only) | 1.8815% | 4,655 |
| Net charge-offs to loans | 0.0440% | 3,333 |
| Credit loss provision to net charge-offs | 107.6923% | 2,341 |
| Earnings coverage of net charge-offs (x) | 18.3077% | 2,020 |
| Efficiency ratio | 82.1990% | 1,386 |
| Assets per employee ($millions) | 5.6393% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,204 |
| Loan loss allowance to noncurrent loans | 33.5335% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9525% | 446 |
| Noncurrent loans to loans | 3.1947% | 477 |
| Net loans and leases to total assets | 91.4292% | 35 |
| Net loans and leases to deposits | 126.7817% | 60 |
| Net loans and leases to core deposits | 132.5620% | 237 |
| Total domestic deposits to total assets | 72.1155% | 5,795 |
| Equity capital to assets | 22.9785% | 119 |
| Core capital (leverage) ratio | 21.6526% | 142 |
| Tier 1 risk-based capital ratio | 37.9361% | 261 |
| Total risk-based capital ratio | 39.1900% | 257 |
| Memoranda: | ||
| Average total assets | $33,797,800 | 5,894 |
| Average earning assets | $32,604,400 | 5,841 |
| Average equity | $7,706,600 | 5,112 |
| Average total loans | $29,532,600 | 5,376 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,129 |
| Cost of funding earning assets | 0.7158% | 777 |
| Net interest margin | 3.9674% | 1,818 |
| Noninterest income to average assets | 0.0513% | 6,090 |
| Noninterest expense to average assets | 3.0819% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4893% | 4,832 |
| Return on assets (ROA) | 0.4893% | 4,921 |
| Pretax return on assets | 0.7971% | 4,348 |
| Return on Equity (ROE) | 2.1501% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.1501% | 4,810 |
| Net charge-offs to loans | 0.0596% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 15.5413% | 2,174 |
| Efficiency ratio | 79.4507% | 1,738 |
| Assets per employee ($millions) | 4.7650% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 4,397 |
| Loan loss allowance to noncurrent loans | 29.3687% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 3.2769% | 423 |
| Noncurrent loans to loans | 3.6357% | 410 |
| Net loans and leases to total assets | 89.1680% | 88 |
| Net loans and leases to deposits | 121.0993% | 92 |
| Net loans and leases to core deposits | 126.6587% | 325 |
| Total domestic deposits to total assets | 73.6321% | 5,744 |
| Equity capital to assets | 23.2469% | 124 |
| Core capital (leverage) ratio | 22.2963% | 129 |
| Tier 1 risk-based capital ratio | 40.1928% | 246 |
| Total risk-based capital ratio | 41.4472% | 245 |
| Memoranda: | ||
| Average total assets | $33,788,250 | 5,972 |
| Average earning assets | $32,598,250 | 5,920 |
| Average equity | $7,689,500 | 5,176 |
| Average total loans | $29,098,000 | 5,462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,322 |
| Cost of funding earning assets | 0.7033% | 830 |
| Net interest margin | 3.8776% | 2,054 |
| Noninterest income to average assets | 0.0295% | 6,217 |
| Noninterest expense to average assets | 2.9942% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4479% | 4,974 |
| Return on assets (ROA) | 0.4479% | 5,080 |
| Pretax return on assets | 0.7721% | 4,416 |
| Return on Equity (ROE) | 1.9823% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.9823% | 4,708 |
| Net charge-offs to loans | 0.0695% | 2,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 2,161 |
| Efficiency ratio | 79.4992% | 1,837 |
| Assets per employee ($millions) | 4.8750% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,431 |
| Loan loss allowance to noncurrent loans | 29.3478% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.2352% | 476 |
| Noncurrent loans to loans | 3.6852% | 463 |
| Net loans and leases to total assets | 86.8396% | 191 |
| Net loans and leases to deposits | 112.3010% | 218 |
| Net loans and leases to core deposits | 118.3041% | 516 |
| Total domestic deposits to total assets | 77.3275% | 5,407 |
| Equity capital to assets | 22.5817% | 136 |
| Core capital (leverage) ratio | 21.7690% | 142 |
| Tier 1 risk-based capital ratio | 40.2802% | 249 |
| Total risk-based capital ratio | 41.5347% | 249 |
| Memoranda: | ||
| Average total assets | $33,932,670 | 6,037 |
| Average earning assets | $32,700,670 | 5,985 |
| Average equity | $7,668,000 | 5,228 |
| Average total loans | $28,776,330 | 5,528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 1,448 |
| Cost of funding earning assets | 0.7261% | 753 |
| Net interest margin | 3.7780% | 2,309 |
| Noninterest income to average assets | 0.0355% | 6,265 |
| Noninterest expense to average assets | 2.8845% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4492% | 4,877 |
| Return on assets (ROA) | 0.4492% | 4,993 |
| Pretax return on assets | 0.7802% | 4,314 |
| Return on Equity (ROE) | 1.9872% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.9872% | 4,679 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7097% | 2,084 |
| Assets per employee ($millions) | 5.5645% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 4,061 |
| Loan loss allowance to noncurrent loans | 28.9177% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.4594% | 484 |
| Noncurrent loans to loans | 4.0947% | 419 |
| Net loans and leases to total assets | 83.4846% | 344 |
| Net loans and leases to deposits | 108.5439% | 243 |
| Net loans and leases to core deposits | 113.2588% | 601 |
| Total domestic deposits to total assets | 76.9132% | 5,626 |
| Equity capital to assets | 22.9670% | 127 |
| Core capital (leverage) ratio | 21.6794% | 142 |
| Tier 1 risk-based capital ratio | 42.4938% | 227 |
| Total risk-based capital ratio | 43.7628% | 224 |
| Memoranda: | ||
| Average total assets | $33,836,500 | 6,101 |
| Average earning assets | $32,504,000 | 6,048 |
| Average equity | $7,649,000 | 5,271 |
| Average total loans | $28,185,500 | 5,586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,355 |
| Cost of funding earning assets | 0.7856% | 699 |
| Net interest margin | 3.8956% | 2,261 |
| Noninterest income to average assets | 0.0590% | 6,270 |
| Noninterest expense to average assets | 2.7245% | 3,770 |
| Loan and lease loss provision to assets | 0.0281% | 4,044 |
| Net operating income to assets | 0.6488% | 4,152 |
| Return on assets (ROA) | 0.6488% | 4,252 |
| Pretax return on assets | 1.0392% | 3,354 |
| Return on Equity (ROE) | 3.0733% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.0733% | 4,054 |
| Net charge-offs to loans | 0.0208% | 4,424 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 63.3333% | 759 |
| Efficiency ratio | 71.8519% | 3,231 |
| Assets per employee ($millions) | 5.7143% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 4,093 |
| Loan loss allowance to noncurrent loans | 36.7841% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.6483% | 851 |
| Noncurrent loans to loans | 3.2240% | 675 |
| Net loans and leases to total assets | 81.1702% | 616 |
| Net loans and leases to deposits | 104.6555% | 411 |
| Net loans and leases to core deposits | 110.1611% | 765 |
| Total domestic deposits to total assets | 77.5594% | 5,514 |
| Equity capital to assets | 22.2540% | 145 |
| Core capital (leverage) ratio | 21.1791% | 164 |
| Tier 1 risk-based capital ratio | 41.7077% | 213 |
| Total risk-based capital ratio | 42.9649% | 211 |
| Memoranda: | ||
| Average total assets | $35,603,000 | 6,142 |
| Average earning assets | $34,115,800 | 6,084 |
| Average equity | $7,516,400 | 5,302 |
| Average total loans | $28,787,200 | 5,614 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,455 |
| Cost of funding earning assets | 0.7905% | 723 |
| Net interest margin | 3.8520% | 2,426 |
| Noninterest income to average assets | 0.0594% | 6,362 |
| Noninterest expense to average assets | 2.7124% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6345% | 4,286 |
| Return on assets (ROA) | 0.6345% | 4,390 |
| Pretax return on assets | 1.0353% | 3,447 |
| Return on Equity (ROE) | 3.0447% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.0447% | 4,450 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3762% | 3,116 |
| Assets per employee ($millions) | 5.7677% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 4,532 |
| Loan loss allowance to noncurrent loans | 32.1637% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.9648% | 800 |
| Noncurrent loans to loans | 3.5599% | 662 |
| Net loans and leases to total assets | 82.3297% | 483 |
| Net loans and leases to deposits | 105.5535% | 351 |
| Net loans and leases to core deposits | 111.1280% | 703 |
| Total domestic deposits to total assets | 77.9980% | 5,533 |
| Equity capital to assets | 21.8748% | 162 |
| Core capital (leverage) ratio | 20.9655% | 173 |
| Tier 1 risk-based capital ratio | 39.8568% | 244 |
| Total risk-based capital ratio | 41.1099% | 242 |
| Memoranda: | ||
| Average total assets | $35,932,250 | 6,204 |
| Average earning assets | $34,405,750 | 6,151 |
| Average equity | $7,488,000 | 5,352 |
| Average total loans | $28,943,000 | 5,666 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,229 |
| Cost of funding earning assets | 0.7975% | 718 |
| Net interest margin | 3.9303% | 2,039 |
| Noninterest income to average assets | 0.0385% | 6,471 |
| Noninterest expense to average assets | 2.7272% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6818% | 3,930 |
| Return on assets (ROA) | 0.6818% | 4,033 |
| Pretax return on assets | 1.0777% | 3,188 |
| Return on Equity (ROE) | 3.3241% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.3241% | 4,083 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6763% | 3,402 |
| Assets per employee ($millions) | 5.1060% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,691 |
| Loan loss allowance to noncurrent loans | 30.6122% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.0161% | 841 |
| Noncurrent loans to loans | 3.7357% | 671 |
| Net loans and leases to total assets | 79.8137% | 707 |
| Net loans and leases to deposits | 101.1596% | 499 |
| Net loans and leases to core deposits | 106.7547% | 853 |
| Total domestic deposits to total assets | 78.8988% | 5,480 |
| Equity capital to assets | 21.0481% | 173 |
| Core capital (leverage) ratio | 20.4169% | 187 |
| Tier 1 risk-based capital ratio | 40.0160% | 241 |
| Total risk-based capital ratio | 41.2713% | 237 |
| Memoranda: | ||
| Average total assets | $36,374,330 | 6,253 |
| Average earning assets | $34,857,670 | 6,197 |
| Average equity | $7,460,670 | 5,387 |
| Average total loans | $28,983,670 | 5,699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,393 |
| Cost of funding earning assets | 0.8080% | 718 |
| Net interest margin | 3.8353% | 2,327 |
| Noninterest income to average assets | 0.0109% | 6,586 |
| Noninterest expense to average assets | 2.7037% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6650% | 3,868 |
| Return on assets (ROA) | 0.6650% | 3,958 |
| Pretax return on assets | 0.9812% | 3,400 |
| Return on Equity (ROE) | 3.2842% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.2842% | 4,149 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3728% | 3,248 |
| Assets per employee ($millions) | 5.1479% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 4,989 |
| Loan loss allowance to noncurrent loans | 35.1438% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 2.6058% | 1,195 |
| Noncurrent loans to loans | 3.2144% | 959 |
| Net loans and leases to total assets | 80.1499% | 534 |
| Net loans and leases to deposits | 101.2161% | 392 |
| Net loans and leases to core deposits | 106.7214% | 730 |
| Total domestic deposits to total assets | 79.1869% | 5,657 |
| Equity capital to assets | 20.7021% | 183 |
| Core capital (leverage) ratio | 19.7820% | 218 |
| Tier 1 risk-based capital ratio | 38.6008% | 261 |
| Total risk-based capital ratio | 39.8582% | 258 |
| Memoranda: | ||
| Average total assets | $36,690,500 | 6,309 |
| Average earning assets | $35,147,500 | 6,249 |
| Average equity | $7,429,500 | 5,429 |
| Average total loans | $29,047,000 | 5,746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 2,477 |
| Cost of funding earning assets | 0.9084% | 706 |
| Net interest margin | 3.5200% | 3,808 |
| Noninterest income to average assets | 0.0674% | 6,492 |
| Noninterest expense to average assets | 2.5388% | 4,648 |
| Loan and lease loss provision to assets | 0.0259% | 4,610 |
| Net operating income to assets | 0.5576% | 4,469 |
| Return on assets (ROA) | 0.5576% | 4,595 |
| Pretax return on assets | 0.8791% | 3,854 |
| Return on Equity (ROE) | 2.9484% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,146 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7199% | 3,178 |
| Assets per employee ($millions) | 5.3351% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 4,943 |
| Loan loss allowance to noncurrent loans | 32.8358% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.6911% | 1,247 |
| Noncurrent loans to loans | 3.4797% | 909 |
| Net loans and leases to total assets | 76.4526% | 1,011 |
| Net loans and leases to deposits | 95.4055% | 777 |
| Net loans and leases to core deposits | 100.3162% | 1,133 |
| Total domestic deposits to total assets | 80.1344% | 5,418 |
| Equity capital to assets | 19.8120% | 219 |
| Core capital (leverage) ratio | 18.9475% | 242 |
| Tier 1 risk-based capital ratio | 37.6827% | 266 |
| Total risk-based capital ratio | 38.9356% | 264 |
| Memoranda: | ||
| Average total assets | $38,560,800 | 6,328 |
| Average earning assets | $36,988,800 | 6,258 |
| Average equity | $7,292,200 | 5,499 |
| Average total loans | $29,171,200 | 5,800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,486 |
| Cost of funding earning assets | 0.9260% | 723 |
| Net interest margin | 3.5075% | 3,848 |
| Noninterest income to average assets | 0.0720% | 6,569 |
| Noninterest expense to average assets | 2.4838% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5455% | 4,602 |
| Return on assets (ROA) | 0.5455% | 4,743 |
| Pretax return on assets | 0.9537% | 3,676 |
| Return on Equity (ROE) | 2.9178% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.9178% | 4,578 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2555% | 3,354 |
| Assets per employee ($millions) | 5.4481% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,241 |
| Loan loss allowance to noncurrent loans | 25.2565% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 3.3222% | 1,059 |
| Noncurrent loans to loans | 4.4462% | 739 |
| Net loans and leases to total assets | 73.8810% | 1,305 |
| Net loans and leases to deposits | 91.6025% | 1,012 |
| Net loans and leases to core deposits | 96.2229% | 1,377 |
| Total domestic deposits to total assets | 80.6540% | 5,318 |
| Equity capital to assets | 19.2543% | 240 |
| Core capital (leverage) ratio | 18.4837% | 263 |
| Tier 1 risk-based capital ratio | 37.4013% | 274 |
| Total risk-based capital ratio | 38.6543% | 276 |
| Memoranda: | ||
| Average total assets | $38,864,500 | 6,390 |
| Average earning assets | $37,290,500 | 6,316 |
| Average equity | $7,265,500 | 5,566 |
| Average total loans | $29,243,500 | 5,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,178 |
| Cost of funding earning assets | 0.9439% | 729 |
| Net interest margin | 3.5623% | 3,516 |
| Noninterest income to average assets | 0.0563% | 6,653 |
| Noninterest expense to average assets | 2.5111% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5574% | 4,516 |
| Return on assets (ROA) | 0.5574% | 4,687 |
| Pretax return on assets | 0.9615% | 3,674 |
| Return on Equity (ROE) | 3.0112% | 5,618 |
| Retained earnings to average equity (ytd only) | 3.0112% | 4,403 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3122% | 3,416 |
| Assets per employee ($millions) | 5.5066% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,371 |
| Loan loss allowance to noncurrent loans | 40.1003% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 2,092 |
| Noncurrent loans to loans | 2.7879% | 1,629 |
| Net loans and leases to total assets | 73.4291% | 1,338 |
| Net loans and leases to deposits | 90.6424% | 1,085 |
| Net loans and leases to core deposits | 94.3309% | 1,494 |
| Total domestic deposits to total assets | 81.0097% | 5,335 |
| Equity capital to assets | 18.9203% | 259 |
| Core capital (leverage) ratio | 18.3283% | 266 |
| Tier 1 risk-based capital ratio | 37.1485% | 284 |
| Total risk-based capital ratio | 38.4016% | 278 |
| Memoranda: | ||
| Average total assets | $39,107,000 | 6,432 |
| Average earning assets | $37,504,330 | 6,358 |
| Average equity | $7,239,670 | 5,617 |
| Average total loans | $29,492,670 | 5,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,877 |
| Cost of funding earning assets | 0.9658% | 723 |
| Net interest margin | 3.6190% | 3,185 |
| Noninterest income to average assets | 0.0508% | 6,734 |
| Noninterest expense to average assets | 2.4779% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5890% | 4,276 |
| Return on assets (ROA) | 0.5890% | 4,423 |
| Pretax return on assets | 1.0359% | 3,202 |
| Return on Equity (ROE) | 3.2164% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.2164% | 4,321 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5202% | 3,888 |
| Assets per employee ($millions) | 4.8730% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,616 |
| Loan loss allowance to noncurrent loans | 36.9515% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.2214% | 2,098 |
| Noncurrent loans to loans | 2.9719% | 1,692 |
| Net loans and leases to total assets | 73.9278% | 1,091 |
| Net loans and leases to deposits | 90.9292% | 892 |
| Net loans and leases to core deposits | 95.3326% | 1,243 |
| Total domestic deposits to total assets | 81.3026% | 5,418 |
| Equity capital to assets | 18.5769% | 299 |
| Core capital (leverage) ratio | 17.9067% | 289 |
| Tier 1 risk-based capital ratio | 35.7895% | 320 |
| Total risk-based capital ratio | 37.0447% | 316 |
| Memoranda: | ||
| Average total assets | $39,387,500 | 6,483 |
| Average earning assets | $37,689,500 | 6,415 |
| Average equity | $7,213,000 | 5,684 |
| Average total loans | $29,927,000 | 5,896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 2,271 |
| Cost of funding earning assets | 1.1606% | 699 |
| Net interest margin | 3.6193% | 4,007 |
| Noninterest income to average assets | 0.0414% | 6,722 |
| Noninterest expense to average assets | 2.3711% | 5,491 |
| Loan and lease loss provision to assets | 0.0487% | 5,208 |
| Net operating income to assets | 0.6799% | 3,835 |
| Return on assets (ROA) | 0.6799% | 4,102 |
| Pretax return on assets | 1.0868% | 3,209 |
| Return on Equity (ROE) | 3.9644% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.9644% | 3,410 |
| Net charge-offs to loans | 0.2743% | 3,285 |
| Credit loss provision to net charge-offs | 23.2558% | 5,239 |
| Earnings coverage of net charge-offs (x) | 5.4186% | 3,041 |
| Efficiency ratio | 67.6164% | 4,217 |
| Assets per employee ($millions) | 5.6844% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,803 |
| Loan loss allowance to noncurrent loans | 31.0078% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 2.5936% | 1,871 |
| Noncurrent loans to loans | 3.3600% | 1,508 |
| Net loans and leases to total assets | 76.3841% | 868 |
| Net loans and leases to deposits | 93.3047% | 801 |
| Net loans and leases to core deposits | 97.7330% | 1,163 |
| Total domestic deposits to total assets | 81.8652% | 5,144 |
| Equity capital to assets | 18.0543% | 327 |
| Core capital (leverage) ratio | 17.5079% | 317 |
| Tier 1 risk-based capital ratio | 33.5247% | 381 |
| Total risk-based capital ratio | 34.7753% | 375 |
| Memoranda: | ||
| Average total assets | $41,036,600 | 6,469 |
| Average earning assets | $39,289,400 | 6,382 |
| Average equity | $7,037,600 | 5,756 |
| Average total loans | $31,350,000 | 5,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 2,525 |
| Cost of funding earning assets | 1.1962% | 706 |
| Net interest margin | 3.5683% | 4,362 |
| Noninterest income to average assets | 0.0355% | 6,849 |
| Noninterest expense to average assets | 2.2894% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6062% | 4,364 |
| Return on assets (ROA) | 0.6062% | 4,626 |
| Pretax return on assets | 1.1609% | 3,126 |
| Return on Equity (ROE) | 3.5803% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.5803% | 4,357 |
| Net charge-offs to loans | 0.2116% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.1995% | 2,639 |
| Efficiency ratio | 66.3551% | 4,382 |
| Assets per employee ($millions) | 5.7921% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,795 |
| Loan loss allowance to noncurrent loans | 31.3433% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 2.6440% | 1,996 |
| Noncurrent loans to loans | 3.4478% | 1,579 |
| Net loans and leases to total assets | 75.8565% | 997 |
| Net loans and leases to deposits | 92.1611% | 957 |
| Net loans and leases to core deposits | 97.3322% | 1,308 |
| Total domestic deposits to total assets | 82.3085% | 4,916 |
| Equity capital to assets | 17.4941% | 399 |
| Core capital (leverage) ratio | 16.8316% | 385 |
| Tier 1 risk-based capital ratio | 32.2893% | 433 |
| Total risk-based capital ratio | 33.5412% | 422 |
| Memoranda: | ||
| Average total assets | $41,348,000 | 6,536 |
| Average earning assets | $39,569,000 | 6,450 |
| Average equity | $7,001,000 | 5,832 |
| Average total loans | $31,509,000 | 5,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 3,165 |
| Cost of funding earning assets | 1.2247% | 737 |
| Net interest margin | 3.4180% | 5,010 |
| Noninterest income to average assets | 0.1922% | 6,178 |
| Noninterest expense to average assets | 2.2828% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6007% | 4,365 |
| Return on assets (ROA) | 0.6007% | 4,619 |
| Pretax return on assets | 1.1822% | 3,009 |
| Return on Equity (ROE) | 3.5866% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.5866% | 4,208 |
| Net charge-offs to loans | 0.3160% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.9200% | 2,958 |
| Efficiency ratio | 65.8807% | 4,552 |
| Assets per employee ($millions) | 5.8557% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 5,882 |
| Loan loss allowance to noncurrent loans | 26.6667% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 3.0739% | 1,781 |
| Noncurrent loans to loans | 4.0261% | 1,369 |
| Net loans and leases to total assets | 75.5306% | 1,026 |
| Net loans and leases to deposits | 91.2359% | 1,026 |
| Net loans and leases to core deposits | 96.9925% | 1,351 |
| Total domestic deposits to total assets | 82.7860% | 4,831 |
| Equity capital to assets | 17.1505% | 426 |
| Core capital (leverage) ratio | 16.4911% | 414 |
| Tier 1 risk-based capital ratio | 32.3159% | 425 |
| Total risk-based capital ratio | 33.5708% | 421 |
| Memoranda: | ||
| Average total assets | $41,615,670 | 6,566 |
| Average earning assets | $39,847,330 | 6,478 |
| Average equity | $6,970,330 | 5,856 |
| Average total loans | $31,648,000 | 5,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 3,025 |
| Cost of funding earning assets | 1.2568% | 755 |
| Net interest margin | 3.4512% | 4,913 |
| Noninterest income to average assets | 0.2385% | 5,922 |
| Noninterest expense to average assets | 2.3182% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6773% | 3,994 |
| Return on assets (ROA) | 0.6773% | 4,209 |
| Pretax return on assets | 1.2211% | 2,832 |
| Return on Equity (ROE) | 4.0919% | 5,251 |
| Retained earnings to average equity (ytd only) | 4.0919% | 4,138 |
| Net charge-offs to loans | 0.6285% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.5600% | 3,143 |
| Efficiency ratio | 65.4987% | 4,657 |
| Assets per employee ($millions) | 5.9783% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 6,062 |
| Loan loss allowance to noncurrent loans | 27.8607% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 3.3000% | 1,747 |
| Noncurrent loans to loans | 3.7842% | 1,634 |
| Net loans and leases to total assets | 75.3513% | 881 |
| Net loans and leases to deposits | 90.7137% | 897 |
| Net loans and leases to core deposits | 97.0515% | 1,196 |
| Total domestic deposits to total assets | 83.0649% | 4,899 |
| Equity capital to assets | 16.6699% | 476 |
| Core capital (leverage) ratio | 16.2679% | 436 |
| Tier 1 risk-based capital ratio | 31.2083% | 479 |
| Total risk-based capital ratio | 32.4610% | 469 |
| Memoranda: | ||
| Average total assets | $41,928,500 | 6,605 |
| Average earning assets | $40,102,000 | 6,515 |
| Average equity | $6,940,500 | 5,890 |
| Average total loans | $31,824,000 | 6,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 3,530 |
| Cost of funding earning assets | 1.4032% | 1,024 |
| Net interest margin | 3.4601% | 5,288 |
| Noninterest income to average assets | 0.1472% | 6,411 |
| Noninterest expense to average assets | 2.3848% | 5,813 |
| Loan and lease loss provision to assets | 0.1690% | 4,527 |
| Net operating income to assets | 0.5745% | 4,119 |
| Return on assets (ROA) | 0.5745% | 4,306 |
| Pretax return on assets | 0.9148% | 3,560 |
| Return on Equity (ROE) | 3.5067% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,729 |
| Net charge-offs to loans | 0.0342% | 5,971 |
| Credit loss provision to net charge-offs | 636.3636% | 355 |
| Earnings coverage of net charge-offs (x) | 40.8182% | 662 |
| Efficiency ratio | 68.7543% | 4,198 |
| Assets per employee ($millions) | 5.2511% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,320 |
| Loan loss allowance to noncurrent loans | 39.5897% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 2.8565% | 2,116 |
| Noncurrent loans to loans | 3.0681% | 2,112 |
| Net loans and leases to total assets | 74.7292% | 1,138 |
| Net loans and leases to deposits | 89.5229% | 1,206 |
| Net loans and leases to core deposits | 95.9796% | 1,492 |
| Total domestic deposits to total assets | 83.4750% | 4,550 |
| Equity capital to assets | 16.4370% | 523 |
| Core capital (leverage) ratio | 16.1087% | 449 |
| Tier 1 risk-based capital ratio | 30.5139% | 496 |
| Total risk-based capital ratio | 31.7690% | 484 |
| Memoranda: | ||
| Average total assets | $41,429,200 | 6,617 |
| Average earning assets | $39,767,600 | 6,536 |
| Average equity | $6,787,000 | 5,930 |
| Average total loans | $32,143,400 | 6,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 3,567 |
| Cost of funding earning assets | 1.4287% | 1,116 |
| Net interest margin | 3.4692% | 5,310 |
| Noninterest income to average assets | 0.1260% | 6,622 |
| Noninterest expense to average assets | 2.3770% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6039% | 4,067 |
| Return on assets (ROA) | 0.6039% | 4,246 |
| Pretax return on assets | 1.0819% | 3,088 |
| Return on Equity (ROE) | 3.6897% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.6897% | 4,119 |
| Net charge-offs to loans | 0.0455% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 30.4472% | 927 |
| Efficiency ratio | 68.7208% | 4,171 |
| Assets per employee ($millions) | 5.2101% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 6,391 |
| Loan loss allowance to noncurrent loans | 25.3815% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 3.4188% | 1,848 |
| Noncurrent loans to loans | 3.8218% | 1,759 |
| Net loans and leases to total assets | 77.3974% | 785 |
| Net loans and leases to deposits | 92.7385% | 943 |
| Net loans and leases to core deposits | 100.5768% | 1,196 |
| Total domestic deposits to total assets | 83.4577% | 4,499 |
| Equity capital to assets | 16.4439% | 558 |
| Core capital (leverage) ratio | 16.0832% | 490 |
| Tier 1 risk-based capital ratio | 30.0931% | 535 |
| Total risk-based capital ratio | 31.3444% | 525 |
| Memoranda: | ||
| Average total assets | $41,284,250 | 6,678 |
| Average earning assets | $39,662,500 | 6,603 |
| Average equity | $6,757,500 | 5,979 |
| Average total loans | $32,234,500 | 6,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 3,593 |
| Cost of funding earning assets | 1.4515% | 1,194 |
| Net interest margin | 3.4543% | 5,350 |
| Noninterest income to average assets | 0.1458% | 6,598 |
| Noninterest expense to average assets | 2.4106% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5249% | 4,396 |
| Return on assets (ROA) | 0.5249% | 4,540 |
| Pretax return on assets | 1.0546% | 3,028 |
| Return on Equity (ROE) | 3.2117% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,224 |
| Net charge-offs to loans | 0.0685% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.7273% | 1,207 |
| Efficiency ratio | 69.5652% | 4,193 |
| Assets per employee ($millions) | 5.1923% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,410 |
| Loan loss allowance to noncurrent loans | 29.3953% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 3.0791% | 2,179 |
| Noncurrent loans to loans | 3.3401% | 2,139 |
| Net loans and leases to total assets | 76.7225% | 961 |
| Net loans and leases to deposits | 91.7939% | 1,080 |
| Net loans and leases to core deposits | 101.1618% | 1,244 |
| Total domestic deposits to total assets | 83.5813% | 4,510 |
| Equity capital to assets | 16.3104% | 573 |
| Core capital (leverage) ratio | 16.0819% | 497 |
| Tier 1 risk-based capital ratio | 29.8248% | 545 |
| Total risk-based capital ratio | 31.0750% | 528 |
| Memoranda: | ||
| Average total assets | $41,152,000 | 6,748 |
| Average earning assets | $39,544,670 | 6,656 |
| Average equity | $6,725,330 | 6,011 |
| Average total loans | $32,120,670 | 6,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 3,535 |
| Cost of funding earning assets | 1.4848% | 1,230 |
| Net interest margin | 3.4272% | 5,312 |
| Noninterest income to average assets | 0.3027% | 5,499 |
| Noninterest expense to average assets | 2.4317% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6543% | 3,729 |
| Return on assets (ROA) | 0.6543% | 3,808 |
| Pretax return on assets | 1.1621% | 2,505 |
| Return on Equity (ROE) | 3.9997% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,774 |
| Net charge-offs to loans | 0.1371% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 1,606 |
| Efficiency ratio | 67.6630% | 4,725 |
| Assets per employee ($millions) | 5.1580% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,393 |
| Loan loss allowance to noncurrent loans | 32.6446% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 3.2643% | 2,101 |
| Noncurrent loans to loans | 3.0710% | 2,444 |
| Net loans and leases to total assets | 75.6228% | 1,092 |
| Net loans and leases to deposits | 90.6490% | 1,166 |
| Net loans and leases to core deposits | 99.9424% | 1,345 |
| Total domestic deposits to total assets | 83.4238% | 4,734 |
| Equity capital to assets | 16.3193% | 520 |
| Core capital (leverage) ratio | 15.8455% | 529 |
| Tier 1 risk-based capital ratio | 30.5494% | 494 |
| Total risk-based capital ratio | 31.8015% | 489 |
| Memoranda: | ||
| Average total assets | $40,959,000 | 6,800 |
| Average earning assets | $39,332,000 | 6,708 |
| Average equity | $6,700,500 | 6,024 |
| Average total loans | $32,088,500 | 6,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 2,697 |
| Cost of funding earning assets | 1.7833% | 1,234 |
| Net interest margin | 3.6104% | 4,767 |
| Noninterest income to average assets | 0.2750% | 5,818 |
| Noninterest expense to average assets | 2.3783% | 6,145 |
| Loan and lease loss provision to assets | 0.2923% | 4,456 |
| Net operating income to assets | 0.6714% | 3,337 |
| Return on assets (ROA) | 0.6714% | 3,481 |
| Pretax return on assets | 1.0851% | 2,641 |
| Return on Equity (ROE) | 4.1222% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.1222% | 2,966 |
| Net charge-offs to loans | 0.0840% | 5,994 |
| Credit loss provision to net charge-offs | 421.4286% | 561 |
| Earnings coverage of net charge-offs (x) | 19.8571% | 1,042 |
| Efficiency ratio | 63.3245% | 5,457 |
| Assets per employee ($millions) | 5.0818% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,379 |
| Loan loss allowance to noncurrent loans | 21.6987% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 4.1374% | 1,625 |
| Noncurrent loans to loans | 4.6148% | 1,521 |
| Net loans and leases to total assets | 79.5223% | 727 |
| Net loans and leases to deposits | 95.6083% | 903 |
| Net loans and leases to core deposits | 104.2938% | 1,294 |
| Total domestic deposits to total assets | 83.1751% | 4,717 |
| Equity capital to assets | 16.3994% | 532 |
| Core capital (leverage) ratio | 16.1347% | 492 |
| Tier 1 risk-based capital ratio | 30.0207% | 507 |
| Total risk-based capital ratio | 31.2680% | 499 |
| Memoranda: | ||
| Average total assets | $40,364,200 | 6,852 |
| Average earning assets | $38,915,600 | 6,765 |
| Average equity | $6,574,200 | 6,177 |
| Average total loans | $33,345,000 | 6,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4576% | 2,614 |
| Cost of funding earning assets | 1.8386% | 1,270 |
| Net interest margin | 3.6190% | 4,793 |
| Noninterest income to average assets | 0.2978% | 5,757 |
| Noninterest expense to average assets | 2.3462% | 6,184 |
| Loan and lease loss provision to assets | 0.1754% | 5,289 |
| Net operating income to assets | 0.9828% | 2,296 |
| Return on assets (ROA) | 0.9828% | 2,407 |
| Pretax return on assets | 1.2674% | 2,271 |
| Return on Equity (ROE) | 6.0447% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.0447% | 2,331 |
| Net charge-offs to loans | 0.1114% | 5,425 |
| Credit loss provision to net charge-offs | 189.2857% | 1,904 |
| Earnings coverage of net charge-offs (x) | 15.5725% | 1,430 |
| Efficiency ratio | 61.9214% | 5,635 |
| Assets per employee ($millions) | 5.0308% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 7,037 |
| Loan loss allowance to noncurrent loans | 17.9945% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 4.0526% | 1,720 |
| Noncurrent loans to loans | 4.3569% | 1,671 |
| Net loans and leases to total assets | 82.3833% | 451 |
| Net loans and leases to deposits | 99.1211% | 714 |
| Net loans and leases to core deposits | 108.8831% | 1,100 |
| Total domestic deposits to total assets | 83.1138% | 4,544 |
| Equity capital to assets | 16.6302% | 569 |
| Core capital (leverage) ratio | 16.1421% | 535 |
| Tier 1 risk-based capital ratio | 29.1939% | 558 |
| Total risk-based capital ratio | 30.3367% | 551 |
| Memoranda: | ||
| Average total assets | $40,291,750 | 6,936 |
| Average earning assets | $38,868,250 | 6,839 |
| Average equity | $6,551,000 | 6,257 |
| Average total loans | $33,517,250 | 6,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 2,467 |
| Cost of funding earning assets | 1.8957% | 1,258 |
| Net interest margin | 3.6168% | 4,744 |
| Noninterest income to average assets | 0.2729% | 5,968 |
| Noninterest expense to average assets | 2.3470% | 6,230 |
| Loan and lease loss provision to assets | 0.0992% | 5,917 |
| Net operating income to assets | 1.0668% | 1,958 |
| Return on assets (ROA) | 1.0668% | 2,034 |
| Pretax return on assets | 1.3199% | 2,027 |
| Return on Equity (ROE) | 6.6117% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.6117% | 2,014 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3188% | 5,638 |
| Assets per employee ($millions) | 5.0775% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,136 |
| Loan loss allowance to noncurrent loans | 26.7708% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 2.3634% | 3,054 |
| Noncurrent loans to loans | 2.8158% | 2,839 |
| Net loans and leases to total assets | 83.2989% | 406 |
| Net loans and leases to deposits | 99.7553% | 745 |
| Net loans and leases to core deposits | 109.3707% | 1,209 |
| Total domestic deposits to total assets | 83.5032% | 4,336 |
| Equity capital to assets | 16.2752% | 628 |
| Core capital (leverage) ratio | 15.6484% | 614 |
| Tier 1 risk-based capital ratio | 28.6067% | 592 |
| Total risk-based capital ratio | 29.7187% | 581 |
| Memoranda: | ||
| Average total assets | $40,307,000 | 6,988 |
| Average earning assets | $38,929,330 | 6,888 |
| Average equity | $6,503,670 | 6,296 |
| Average total loans | $33,550,330 | 6,357 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 2,462 |
| Cost of funding earning assets | 1.9496% | 1,246 |
| Net interest margin | 3.5795% | 4,814 |
| Noninterest income to average assets | 0.2790% | 5,912 |
| Noninterest expense to average assets | 2.4508% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0760% | 1,909 |
| Return on assets (ROA) | 1.0760% | 1,987 |
| Pretax return on assets | 1.2852% | 2,091 |
| Return on Equity (ROE) | 6.6977% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.6977% | 2,273 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6000% | 5,203 |
| Assets per employee ($millions) | 5.0558% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 7,314 |
| Loan loss allowance to noncurrent loans | 36.1832% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 4,060 |
| Noncurrent loans to loans | 1.9697% | 3,831 |
| Net loans and leases to total assets | 81.6323% | 632 |
| Net loans and leases to deposits | 97.7992% | 925 |
| Net loans and leases to core deposits | 106.1469% | 1,565 |
| Total domestic deposits to total assets | 83.4693% | 4,398 |
| Equity capital to assets | 16.0807% | 658 |
| Core capital (leverage) ratio | 15.3857% | 671 |
| Tier 1 risk-based capital ratio | 27.6566% | 662 |
| Total risk-based capital ratio | 28.6644% | 666 |
| Memoranda: | ||
| Average total assets | $40,150,500 | 7,082 |
| Average earning assets | $38,776,500 | 6,986 |
| Average equity | $6,450,000 | 6,361 |
| Average total loans | $33,279,000 | 6,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7779% | 2,752 |
| Cost of funding earning assets | 2.6002% | 777 |
| Net interest margin | 3.1777% | 6,165 |
| Noninterest income to average assets | 0.3402% | 5,650 |
| Noninterest expense to average assets | 2.6471% | 5,607 |
| Loan and lease loss provision to assets | 0.0258% | 7,254 |
| Net operating income to assets | 0.4691% | 3,862 |
| Return on assets (ROA) | 0.4691% | 3,976 |
| Pretax return on assets | 0.7449% | 3,426 |
| Return on Equity (ROE) | 2.8825% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.8825% | 3,162 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4510% | 3,278 |
| Assets per employee ($millions) | 4.9819% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,350 |
| Loan loss allowance to noncurrent loans | 28.9731% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 2.0524% | 3,329 |
| Noncurrent loans to loans | 2.4562% | 3,091 |
| Net loans and leases to total assets | 82.9683% | 550 |
| Net loans and leases to deposits | 99.2914% | 965 |
| Net loans and leases to core deposits | 144.0765% | 671 |
| Total domestic deposits to total assets | 83.5604% | 4,254 |
| Equity capital to assets | 16.0482% | 693 |
| Core capital (leverage) ratio | 15.2555% | 731 |
| Tier 1 risk-based capital ratio | 26.9079% | 709 |
| Total risk-based capital ratio | 27.9049% | 707 |
| Memoranda: | ||
| Average total assets | $38,797,600 | 7,140 |
| Average earning assets | $37,574,000 | 7,029 |
| Average equity | $6,314,000 | 6,495 |
| Average total loans | $32,845,200 | 6,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8057% | 2,864 |
| Cost of funding earning assets | 2.7207% | 743 |
| Net interest margin | 3.0849% | 6,351 |
| Noninterest income to average assets | 0.3668% | 5,572 |
| Noninterest expense to average assets | 2.6332% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5536% | 3,778 |
| Return on assets (ROA) | 0.5536% | 3,864 |
| Pretax return on assets | 0.7232% | 3,783 |
| Return on Equity (ROE) | 3.3897% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.3897% | 3,404 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4536% | 3,091 |
| Assets per employee ($millions) | 4.9103% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 7,412 |
| Loan loss allowance to noncurrent loans | 23.1397% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 2.4973% | 2,775 |
| Noncurrent loans to loans | 2.9489% | 2,575 |
| Net loans and leases to total assets | 84.1098% | 528 |
| Net loans and leases to deposits | 100.8208% | 1,035 |
| Net loans and leases to core deposits | 148.4410% | 618 |
| Total domestic deposits to total assets | 83.4250% | 4,006 |
| Equity capital to assets | 16.2263% | 758 |
| Core capital (leverage) ratio | 15.2634% | 809 |
| Tier 1 risk-based capital ratio | 27.1859% | 733 |
| Total risk-based capital ratio | 28.1541% | 736 |
| Memoranda: | ||
| Average total assets | $38,533,250 | 7,217 |
| Average earning assets | $37,342,000 | 7,101 |
| Average equity | $6,293,500 | 6,559 |
| Average total loans | $32,730,500 | 6,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 2,703 |
| Cost of funding earning assets | 2.8095% | 768 |
| Net interest margin | 3.0630% | 6,357 |
| Noninterest income to average assets | 0.3552% | 5,661 |
| Noninterest expense to average assets | 2.5860% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5747% | 3,794 |
| Return on assets (ROA) | 0.5747% | 3,898 |
| Pretax return on assets | 0.7366% | 3,877 |
| Return on Equity (ROE) | 3.5106% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.5106% | 3,353 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8302% | 3,374 |
| Assets per employee ($millions) | 4.8896% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 7,427 |
| Loan loss allowance to noncurrent loans | 66.1808% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 5,237 |
| Noncurrent loans to loans | 1.0568% | 5,101 |
| Net loans and leases to total assets | 82.3913% | 885 |
| Net loans and leases to deposits | 98.7045% | 1,433 |
| Net loans and leases to core deposits | 144.1949% | 831 |
| Total domestic deposits to total assets | 83.4727% | 4,028 |
| Equity capital to assets | 16.1669% | 799 |
| Core capital (leverage) ratio | 15.6295% | 801 |
| Tier 1 risk-based capital ratio | 27.8076% | 729 |
| Total risk-based capital ratio | 28.8057% | 724 |
| Memoranda: | ||
| Average total assets | $38,283,670 | 7,284 |
| Average earning assets | $37,088,000 | 7,173 |
| Average equity | $6,266,670 | 6,616 |
| Average total loans | $32,551,670 | 6,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 2,350 |
| Cost of funding earning assets | 2.9575% | 668 |
| Net interest margin | 3.0449% | 6,355 |
| Noninterest income to average assets | 0.2746% | 6,235 |
| Noninterest expense to average assets | 2.5458% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5176% | 4,350 |
| Return on assets (ROA) | 0.5176% | 4,537 |
| Pretax return on assets | 0.6761% | 4,507 |
| Return on Equity (ROE) | 3.1420% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.1420% | 4,127 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0164% | 3,000 |
| Assets per employee ($millions) | 4.8218% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 7,439 |
| Loan loss allowance to noncurrent loans | 38.8034% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 3,551 |
| Noncurrent loans to loans | 1.8066% | 3,554 |
| Net loans and leases to total assets | 83.3593% | 794 |
| Net loans and leases to deposits | 100.1246% | 1,392 |
| Net loans and leases to core deposits | 146.5722% | 832 |
| Total domestic deposits to total assets | 83.2556% | 4,017 |
| Equity capital to assets | 16.2363% | 833 |
| Core capital (leverage) ratio | 15.7078% | 827 |
| Tier 1 risk-based capital ratio | 27.4368% | 791 |
| Total risk-based capital ratio | 28.4312% | 787 |
| Memoranda: | ||
| Average total assets | $37,867,000 | 7,338 |
| Average earning assets | $36,652,000 | 7,237 |
| Average equity | $6,238,000 | 6,675 |
| Average total loans | $32,599,500 | 6,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3130% | 3,895 |
| Cost of funding earning assets | 3.3666% | 767 |
| Net interest margin | 2.9464% | 7,044 |
| Noninterest income to average assets | 0.3711% | 5,733 |
| Noninterest expense to average assets | 2.6729% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3603% | 5,314 |
| Return on assets (ROA) | 0.3603% | 5,113 |
| Pretax return on assets | 0.5459% | 4,863 |
| Return on Equity (ROE) | 2.1846% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.1846% | 3,858 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0409% | 2,173 |
| Assets per employee ($millions) | 4.1289% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 7,457 |
| Loan loss allowance to noncurrent loans | 16.0879% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 3.8671% | 1,089 |
| Noncurrent loans to loans | 4.2996% | 1,120 |
| Net loans and leases to total assets | 87.7018% | 392 |
| Net loans and leases to deposits | 105.7293% | 1,148 |
| Net loans and leases to core deposits | 151.1455% | 812 |
| Total domestic deposits to total assets | 82.9494% | 3,792 |
| Equity capital to assets | 16.7196% | 808 |
| Core capital (leverage) ratio | 16.2776% | 786 |
| Tier 1 risk-based capital ratio | 26.8659% | 836 |
| Total risk-based capital ratio | 27.8474% | 835 |
| Memoranda: | ||
| Average total assets | $37,188,400 | 7,339 |
| Average earning assets | $35,941,800 | 7,242 |
| Average equity | $6,133,800 | 6,757 |
| Average total loans | $32,571,600 | 6,575 |