Home > Valley Bank > Performance and Condition Ratios
Valley Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 935 |
| Cost of funding earning assets | 0.8486% | 2,475 |
| Net interest margin | 4.4107% | 925 |
| Noninterest income to average assets | 0.6470% | 2,000 |
| Noninterest expense to average assets | 3.6355% | 812 |
| Loan and lease loss provision to assets | 0.5922% | 192 |
| Net operating income to assets | 0.4895% | 4,541 |
| Return on assets (ROA) | 0.4895% | 4,589 |
| Pretax return on assets | 0.6538% | 4,439 |
| Return on Equity (ROE) | 4.7065% | 4,420 |
| Retained earnings to average equity (ytd only) | -32.7154% | 5,231 |
| Net charge-offs to loans | 0.2622% | 665 |
| Credit loss provision to net charge-offs | 353.0612% | 856 |
| Earnings coverage of net charge-offs (x) | 7.4287% | 2,742 |
| Efficiency ratio | 74.4741% | 1,499 |
| Assets per employee ($millions) | 4.0659% | 3,811 |
| Cash dividends to net income (ytd only)* | 795.1117% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,187 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.5678% | 2,695 |
| Net loans and leases to deposits | 75.8128% | 3,312 |
| Net loans and leases to core deposits | 80.5050% | 3,353 |
| Total domestic deposits to total assets | 90.4435% | 183 |
| Equity capital to assets | 8.9088% | 4,824 |
| Core capital (leverage) ratio | 8.5735% | 4,908 |
| Tier 1 risk-based capital ratio | 15.4152% | 2,669 |
| Total risk-based capital ratio | 16.6730% | 2,600 |
| Memoranda: | ||
| Average total assets | $38,948,250 | 4,984 |
| Average earning assets | $37,392,750 | 4,946 |
| Average equity | $4,051,000 | 5,059 |
| Average total loans | $24,918,750 | 4,820 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 1,323 |
| Cost of funding earning assets | 0.8214% | 2,541 |
| Net interest margin | 4.2376% | 1,273 |
| Noninterest income to average assets | 0.5638% | 2,321 |
| Noninterest expense to average assets | 3.0856% | 1,771 |
| Loan and lease loss provision to assets | 0.3020% | 457 |
| Net operating income to assets | 0.9413% | 3,126 |
| Return on assets (ROA) | 0.9413% | 3,193 |
| Pretax return on assets | 1.2534% | 2,734 |
| Return on Equity (ROE) | 8.6681% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.6681% | 1,137 |
| Net charge-offs to loans | 0.3963% | 425 |
| Credit loss provision to net charge-offs | 122.4490% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.3061% | 2,584 |
| Efficiency ratio | 66.4859% | 2,753 |
| Assets per employee ($millions) | 3.9312% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,847 |
| Loan loss allowance to noncurrent loans | 3,188.8889% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,154 |
| Noncurrent loans to loans | 0.0357% | 4,535 |
| Net loans and leases to total assets | 63.3293% | 3,416 |
| Net loans and leases to deposits | 71.6617% | 3,712 |
| Net loans and leases to core deposits | 75.2896% | 3,789 |
| Total domestic deposits to total assets | 88.3725% | 933 |
| Equity capital to assets | 11.3146% | 2,773 |
| Core capital (leverage) ratio | 11.1312% | 2,481 |
| Tier 1 risk-based capital ratio | 21.2240% | 1,152 |
| Total risk-based capital ratio | 22.4759% | 1,132 |
| Memoranda: | ||
| Average total assets | $39,733,330 | 5,011 |
| Average earning assets | $38,229,000 | 4,977 |
| Average equity | $4,314,670 | 5,067 |
| Average total loans | $24,728,000 | 4,864 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 1,600 |
| Cost of funding earning assets | 0.8232% | 2,405 |
| Net interest margin | 4.0745% | 1,624 |
| Noninterest income to average assets | 0.5708% | 2,180 |
| Noninterest expense to average assets | 3.1945% | 1,505 |
| Loan and lease loss provision to assets | 0.3004% | 426 |
| Net operating income to assets | 0.7511% | 3,766 |
| Return on assets (ROA) | 0.7511% | 3,814 |
| Pretax return on assets | 0.9914% | 3,467 |
| Return on Equity (ROE) | 7.0621% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.0621% | 2,011 |
| Net charge-offs to loans | 0.5714% | 262 |
| Credit loss provision to net charge-offs | 85.7143% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.6857% | 2,382 |
| Efficiency ratio | 71.2054% | 2,157 |
| Assets per employee ($millions) | 3.6173% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,012 |
| Loan loss allowance to noncurrent loans | 564.5833% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,201 |
| Noncurrent loans to loans | 0.1986% | 3,884 |
| Net loans and leases to total assets | 60.0603% | 3,704 |
| Net loans and leases to deposits | 67.5237% | 3,957 |
| Net loans and leases to core deposits | 70.8698% | 4,013 |
| Total domestic deposits to total assets | 88.9470% | 881 |
| Equity capital to assets | 10.8118% | 3,037 |
| Core capital (leverage) ratio | 10.7419% | 2,810 |
| Tier 1 risk-based capital ratio | 21.9145% | 1,060 |
| Total risk-based capital ratio | 23.1645% | 1,034 |
| Memoranda: | ||
| Average total assets | $39,944,000 | 5,061 |
| Average earning assets | $38,385,000 | 5,028 |
| Average equity | $4,248,000 | 5,115 |
| Average total loans | $24,500,500 | 4,923 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 918 |
| Cost of funding earning assets | 0.7535% | 1,770 |
| Net interest margin | 4.3114% | 1,125 |
| Noninterest income to average assets | 0.6751% | 1,944 |
| Noninterest expense to average assets | 3.1310% | 1,725 |
| Loan and lease loss provision to assets | 0.2446% | 707 |
| Net operating income to assets | 1.0616% | 2,755 |
| Return on assets (ROA) | 1.0616% | 2,737 |
| Pretax return on assets | 1.4285% | 2,041 |
| Return on Equity (ROE) | 10.9375% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.9375% | 451 |
| Net charge-offs to loans | 0.3690% | 520 |
| Credit loss provision to net charge-offs | 106.3830% | 2,404 |
| Earnings coverage of net charge-offs (x) | 7.2766% | 3,003 |
| Efficiency ratio | 65.1731% | 3,003 |
| Assets per employee ($millions) | 3.6453% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,027 |
| Loan loss allowance to noncurrent loans | 141.5385% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 2,632 |
| Noncurrent loans to loans | 0.7853% | 2,045 |
| Net loans and leases to total assets | 61.2400% | 3,640 |
| Net loans and leases to deposits | 68.5673% | 3,937 |
| Net loans and leases to core deposits | 72.4751% | 3,960 |
| Total domestic deposits to total assets | 89.3137% | 726 |
| Equity capital to assets | 10.4594% | 3,231 |
| Core capital (leverage) ratio | 10.4646% | 3,072 |
| Tier 1 risk-based capital ratio | 20.7219% | 1,192 |
| Total risk-based capital ratio | 21.9739% | 1,167 |
| Memoranda: | ||
| Average total assets | $40,881,200 | 5,082 |
| Average earning assets | $39,152,200 | 5,054 |
| Average equity | $3,968,000 | 5,186 |
| Average total loans | $25,475,200 | 4,922 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 1,019 |
| Cost of funding earning assets | 0.7425% | 1,612 |
| Net interest margin | 4.2176% | 1,309 |
| Noninterest income to average assets | 0.7108% | 1,830 |
| Noninterest expense to average assets | 3.0998% | 1,768 |
| Loan and lease loss provision to assets | 0.2272% | 718 |
| Net operating income to assets | 1.0582% | 2,832 |
| Return on assets (ROA) | 1.0582% | 2,842 |
| Pretax return on assets | 1.4217% | 2,147 |
| Return on Equity (ROE) | 11.1124% | 2,136 |
| Retained earnings to average equity (ytd only) | 11.1124% | 627 |
| Net charge-offs to loans | 0.6241% | 233 |
| Credit loss provision to net charge-offs | 58.3333% | 2,764 |
| Earnings coverage of net charge-offs (x) | 4.2333% | 3,086 |
| Efficiency ratio | 65.2768% | 2,991 |
| Assets per employee ($millions) | 3.6725% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,547 |
| Loan loss allowance to noncurrent loans | 77.1930% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 1,928 |
| Noncurrent loans to loans | 1.0645% | 1,605 |
| Net loans and leases to total assets | 65.7310% | 3,210 |
| Net loans and leases to deposits | 73.4896% | 3,644 |
| Net loans and leases to core deposits | 77.5911% | 3,690 |
| Total domestic deposits to total assets | 89.4425% | 692 |
| Equity capital to assets | 10.0475% | 3,590 |
| Core capital (leverage) ratio | 10.1597% | 3,455 |
| Tier 1 risk-based capital ratio | 19.3759% | 1,458 |
| Total risk-based capital ratio | 20.4083% | 1,470 |
| Memoranda: | ||
| Average total assets | $41,077,000 | 5,143 |
| Average earning assets | $39,326,750 | 5,118 |
| Average equity | $3,911,500 | 5,256 |
| Average total loans | $25,636,000 | 4,980 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,244 |
| Cost of funding earning assets | 0.7286% | 1,478 |
| Net interest margin | 4.0730% | 1,637 |
| Noninterest income to average assets | 0.7796% | 1,537 |
| Noninterest expense to average assets | 3.1184% | 1,738 |
| Loan and lease loss provision to assets | 0.1937% | 890 |
| Net operating income to assets | 1.0169% | 2,940 |
| Return on assets (ROA) | 1.0169% | 2,949 |
| Pretax return on assets | 1.3655% | 2,275 |
| Return on Equity (ROE) | 10.8743% | 2,164 |
| Retained earnings to average equity (ytd only) | 10.8743% | 694 |
| Net charge-offs to loans | 0.6889% | 210 |
| Credit loss provision to net charge-offs | 45.9770% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.7011% | 2,854 |
| Efficiency ratio | 66.6667% | 2,867 |
| Assets per employee ($millions) | 3.3725% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,440 |
| Loan loss allowance to noncurrent loans | 39.4690% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 1,100 |
| Noncurrent loans to loans | 2.2203% | 624 |
| Net loans and leases to total assets | 57.5339% | 4,035 |
| Net loans and leases to deposits | 63.4854% | 4,319 |
| Net loans and leases to core deposits | 66.6913% | 4,330 |
| Total domestic deposits to total assets | 90.6254% | 356 |
| Equity capital to assets | 9.0210% | 4,542 |
| Core capital (leverage) ratio | 9.9045% | 3,675 |
| Tier 1 risk-based capital ratio | 19.3427% | 1,468 |
| Total risk-based capital ratio | 20.4173% | 1,467 |
| Memoranda: | ||
| Average total assets | $41,303,330 | 5,201 |
| Average earning assets | $39,528,670 | 5,172 |
| Average equity | $3,862,330 | 5,323 |
| Average total loans | $25,256,670 | 5,046 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,006 |
| Cost of funding earning assets | 0.7533% | 1,173 |
| Net interest margin | 4.0802% | 1,489 |
| Noninterest income to average assets | 1.0791% | 788 |
| Noninterest expense to average assets | 3.3771% | 1,204 |
| Loan and lease loss provision to assets | 0.1499% | 1,216 |
| Net operating income to assets | 1.0291% | 2,736 |
| Return on assets (ROA) | 1.0291% | 2,753 |
| Pretax return on assets | 1.4488% | 1,844 |
| Return on Equity (ROE) | 10.7966% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.7966% | 941 |
| Net charge-offs to loans | 0.0477% | 1,636 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 915 |
| Efficiency ratio | 67.8715% | 2,849 |
| Assets per employee ($millions) | 3.1142% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,473 |
| Loan loss allowance to noncurrent loans | 42.4060% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 813 |
| Noncurrent loans to loans | 2.5607% | 524 |
| Net loans and leases to total assets | 63.4498% | 3,374 |
| Net loans and leases to deposits | 70.3387% | 3,759 |
| Net loans and leases to core deposits | 74.2377% | 3,804 |
| Total domestic deposits to total assets | 90.2060% | 578 |
| Equity capital to assets | 9.5149% | 4,078 |
| Core capital (leverage) ratio | 9.6810% | 3,869 |
| Tier 1 risk-based capital ratio | 17.6982% | 1,920 |
| Total risk-based capital ratio | 18.9488% | 1,869 |
| Memoranda: | ||
| Average total assets | $40,034,000 | 5,278 |
| Average earning assets | $38,233,000 | 5,252 |
| Average equity | $3,816,000 | 5,384 |
| Average total loans | $25,161,500 | 5,099 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 269 |
| Cost of funding earning assets | 0.7751% | 718 |
| Net interest margin | 4.7163% | 410 |
| Noninterest income to average assets | 0.6854% | 2,030 |
| Noninterest expense to average assets | 3.4735% | 1,081 |
| Loan and lease loss provision to assets | 1.0825% | 89 |
| Net operating income to assets | 0.3686% | 4,788 |
| Return on assets (ROA) | 0.3686% | 4,806 |
| Pretax return on assets | 0.5841% | 4,776 |
| Return on Equity (ROE) | 3.7227% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.1011% | 4,590 |
| Net charge-offs to loans | 1.4566% | 107 |
| Credit loss provision to net charge-offs | 103.2178% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.5891% | 3,869 |
| Efficiency ratio | 67.5758% | 2,981 |
| Assets per employee ($millions) | 3.5985% | 4,573 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,302 |
| Loan loss allowance to noncurrent loans | 39.2442% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.0867% | 521 |
| Noncurrent loans to loans | 2.8250% | 413 |
| Net loans and leases to total assets | 60.8428% | 3,749 |
| Net loans and leases to deposits | 67.3886% | 4,066 |
| Net loans and leases to core deposits | 70.7022% | 4,129 |
| Total domestic deposits to total assets | 90.2865% | 474 |
| Equity capital to assets | 9.5493% | 4,195 |
| Core capital (leverage) ratio | 9.6120% | 3,907 |
| Tier 1 risk-based capital ratio | 17.5845% | 1,923 |
| Total risk-based capital ratio | 18.8329% | 1,873 |
| Memoranda: | ||
| Average total assets | $38,520,200 | 5,350 |
| Average earning assets | $36,384,400 | 5,330 |
| Average equity | $3,814,400 | 5,447 |
| Average total loans | $27,735,400 | 5,072 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 210 |
| Cost of funding earning assets | 0.7799% | 651 |
| Net interest margin | 4.8533% | 296 |
| Noninterest income to average assets | 0.6099% | 2,425 |
| Noninterest expense to average assets | 3.6178% | 847 |
| Loan and lease loss provision to assets | 1.4011% | 66 |
| Net operating income to assets | 0.1220% | 5,424 |
| Return on assets (ROA) | 0.1220% | 5,434 |
| Pretax return on assets | 0.1673% | 5,409 |
| Return on Equity (ROE) | 1.2208% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.2208% | 4,916 |
| Net charge-offs to loans | -0.0047% | 4,447 |
| Credit loss provision to net charge-offs | -40,200.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7581% | 2,574 |
| Assets per employee ($millions) | 2.8972% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 318 |
| Loan loss allowance to noncurrent loans | 83.4387% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 2.3657% | 479 |
| Noncurrent loans to loans | 2.8214% | 479 |
| Net loans and leases to total assets | 72.6848% | 2,151 |
| Net loans and leases to deposits | 81.2609% | 2,849 |
| Net loans and leases to core deposits | 86.1422% | 2,952 |
| Total domestic deposits to total assets | 89.4462% | 676 |
| Equity capital to assets | 10.0627% | 3,842 |
| Core capital (leverage) ratio | 9.9903% | 3,578 |
| Tier 1 risk-based capital ratio | 15.5287% | 2,694 |
| Total risk-based capital ratio | 16.7969% | 2,637 |
| Memoranda: | ||
| Average total assets | $38,254,250 | 5,415 |
| Average earning assets | $36,070,750 | 5,389 |
| Average equity | $3,823,000 | 5,505 |
| Average total loans | $28,580,750 | 5,112 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 220 |
| Cost of funding earning assets | 0.7826% | 570 |
| Net interest margin | 4.7946% | 326 |
| Noninterest income to average assets | 0.6086% | 2,416 |
| Noninterest expense to average assets | 3.4850% | 1,036 |
| Loan and lease loss provision to assets | 0.1560% | 1,282 |
| Net operating income to assets | 0.9363% | 2,739 |
| Return on assets (ROA) | 0.9363% | 2,798 |
| Pretax return on assets | 1.4928% | 1,675 |
| Return on Equity (ROE) | 9.3897% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.3897% | 731 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8825% | 3,032 |
| Assets per employee ($millions) | 2.9969% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 2,486 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.7336% | 2,089 |
| Net loans and leases to deposits | 81.2018% | 2,779 |
| Net loans and leases to core deposits | 85.1754% | 2,955 |
| Total domestic deposits to total assets | 89.5714% | 704 |
| Equity capital to assets | 10.0950% | 3,802 |
| Core capital (leverage) ratio | 10.2149% | 3,251 |
| Tier 1 risk-based capital ratio | 15.6203% | 2,659 |
| Total risk-based capital ratio | 16.7578% | 2,636 |
| Memoranda: | ||
| Average total assets | $38,451,000 | 5,454 |
| Average earning assets | $36,291,000 | 5,425 |
| Average equity | $3,834,000 | 5,548 |
| Average total loans | $28,762,330 | 5,148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 187 |
| Cost of funding earning assets | 0.7883% | 529 |
| Net interest margin | 4.8854% | 267 |
| Noninterest income to average assets | 0.5760% | 2,534 |
| Noninterest expense to average assets | 3.5396% | 985 |
| Loan and lease loss provision to assets | 0.1571% | 1,153 |
| Net operating income to assets | 0.9425% | 2,552 |
| Return on assets (ROA) | 0.9425% | 2,611 |
| Pretax return on assets | 1.4870% | 1,582 |
| Return on Equity (ROE) | 9.5125% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.5125% | 923 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2828% | 3,154 |
| Assets per employee ($millions) | 2.9410% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,648 |
| Loan loss allowance to noncurrent loans | 144.6809% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1953% | 1,475 |
| Noncurrent loans to loans | 0.6417% | 2,899 |
| Net loans and leases to total assets | 75.9161% | 1,426 |
| Net loans and leases to deposits | 85.4003% | 2,101 |
| Net loans and leases to core deposits | 89.6885% | 2,376 |
| Total domestic deposits to total assets | 88.8944% | 1,198 |
| Equity capital to assets | 10.0280% | 3,719 |
| Core capital (leverage) ratio | 10.2005% | 3,239 |
| Tier 1 risk-based capital ratio | 15.1197% | 2,914 |
| Total risk-based capital ratio | 16.1877% | 2,927 |
| Memoranda: | ||
| Average total assets | $38,196,500 | 5,520 |
| Average earning assets | $36,025,500 | 5,493 |
| Average equity | $3,784,500 | 5,608 |
| Average total loans | $28,831,500 | 5,199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8478% | 150 |
| Cost of funding earning assets | 0.8070% | 484 |
| Net interest margin | 5.0408% | 233 |
| Noninterest income to average assets | 0.5466% | 2,933 |
| Noninterest expense to average assets | 3.6939% | 895 |
| Loan and lease loss provision to assets | 0.1624% | 1,523 |
| Net operating income to assets | 0.8910% | 2,873 |
| Return on assets (ROA) | 0.9066% | 2,902 |
| Pretax return on assets | 1.4478% | 1,759 |
| Return on Equity (ROE) | 9.0233% | 2,405 |
| Retained earnings to average equity (ytd only) | 4.9830% | 2,356 |
| Net charge-offs to loans | 0.0145% | 3,808 |
| Credit loss provision to net charge-offs | 1,500.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 434 |
| Efficiency ratio | 69.9641% | 2,904 |
| Assets per employee ($millions) | 2.7257% | 5,547 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 4,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 2,614 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.6609% | 1,906 |
| Net loans and leases to deposits | 82.3948% | 2,619 |
| Net loans and leases to core deposits | 85.8605% | 2,862 |
| Total domestic deposits to total assets | 89.3999% | 902 |
| Equity capital to assets | 9.7877% | 3,954 |
| Core capital (leverage) ratio | 9.9277% | 3,597 |
| Tier 1 risk-based capital ratio | 14.7751% | 3,060 |
| Total risk-based capital ratio | 15.7847% | 3,114 |
| Memoranda: | ||
| Average total assets | $36,953,200 | 5,596 |
| Average earning assets | $34,696,600 | 5,577 |
| Average equity | $3,712,600 | 5,677 |
| Average total loans | $27,574,800 | 5,282 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 146 |
| Cost of funding earning assets | 0.8024% | 498 |
| Net interest margin | 5.0586% | 226 |
| Noninterest income to average assets | 0.5202% | 3,114 |
| Noninterest expense to average assets | 3.7251% | 820 |
| Loan and lease loss provision to assets | 0.1637% | 1,399 |
| Net operating income to assets | 0.8667% | 3,065 |
| Return on assets (ROA) | 0.8876% | 3,100 |
| Pretax return on assets | 1.4115% | 2,000 |
| Return on Equity (ROE) | 8.7761% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.7761% | 888 |
| Net charge-offs to loans | 0.0341% | 2,954 |
| Credit loss provision to net charge-offs | 642.8571% | 589 |
| Earnings coverage of net charge-offs (x) | 60.5916% | 951 |
| Efficiency ratio | 70.7182% | 2,789 |
| Assets per employee ($millions) | 2.8381% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 5,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 2,734 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.4848% | 1,285 |
| Net loans and leases to deposits | 87.5429% | 2,073 |
| Net loans and leases to core deposits | 91.3968% | 2,445 |
| Total domestic deposits to total assets | 88.5106% | 1,155 |
| Equity capital to assets | 10.3754% | 3,713 |
| Core capital (leverage) ratio | 10.4357% | 3,061 |
| Tier 1 risk-based capital ratio | 14.8424% | 3,128 |
| Total risk-based capital ratio | 15.7711% | 3,211 |
| Memoranda: | ||
| Average total assets | $36,651,500 | 5,659 |
| Average earning assets | $34,396,000 | 5,636 |
| Average equity | $3,707,000 | 5,740 |
| Average total loans | $27,377,000 | 5,340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 182 |
| Cost of funding earning assets | 0.7819% | 536 |
| Net interest margin | 4.9481% | 285 |
| Noninterest income to average assets | 0.5195% | 3,070 |
| Noninterest expense to average assets | 3.7845% | 788 |
| Loan and lease loss provision to assets | 0.1641% | 1,373 |
| Net operating income to assets | 0.7676% | 3,464 |
| Return on assets (ROA) | 0.7711% | 3,588 |
| Pretax return on assets | 1.2141% | 2,731 |
| Return on Equity (ROE) | 7.6909% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.6909% | 1,293 |
| Net charge-offs to loans | -0.0074% | 4,621 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3828% | 2,456 |
| Assets per employee ($millions) | 2.6240% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 5,218 |
| Loan loss allowance to noncurrent loans | 173.1343% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 1,929 |
| Noncurrent loans to loans | 0.4748% | 3,657 |
| Net loans and leases to total assets | 76.1868% | 1,466 |
| Net loans and leases to deposits | 85.6321% | 2,293 |
| Net loans and leases to core deposits | 88.6566% | 2,671 |
| Total domestic deposits to total assets | 88.9699% | 932 |
| Equity capital to assets | 10.1617% | 4,010 |
| Core capital (leverage) ratio | 10.1535% | 3,382 |
| Tier 1 risk-based capital ratio | 14.5405% | 3,295 |
| Total risk-based capital ratio | 15.4481% | 3,415 |
| Memoranda: | ||
| Average total assets | $36,570,330 | 5,730 |
| Average earning assets | $34,275,670 | 5,702 |
| Average equity | $3,666,670 | 5,811 |
| Average total loans | $26,893,670 | 5,407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 233 |
| Cost of funding earning assets | 0.8072% | 477 |
| Net interest margin | 4.7613% | 387 |
| Noninterest income to average assets | 0.5591% | 2,748 |
| Noninterest expense to average assets | 3.7712% | 813 |
| Loan and lease loss provision to assets | 0.1644% | 1,258 |
| Net operating income to assets | 0.6946% | 3,740 |
| Return on assets (ROA) | 0.7016% | 3,818 |
| Pretax return on assets | 1.0963% | 3,106 |
| Return on Equity (ROE) | 7.0455% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.0455% | 1,864 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1092% | 2,308 |
| Assets per employee ($millions) | 3.0595% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 5,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 2,648 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.7881% | 2,379 |
| Net loans and leases to deposits | 78.0920% | 3,003 |
| Net loans and leases to core deposits | 79.4579% | 3,367 |
| Total domestic deposits to total assets | 89.3665% | 912 |
| Equity capital to assets | 9.9226% | 4,185 |
| Core capital (leverage) ratio | 9.8685% | 3,700 |
| Tier 1 risk-based capital ratio | 15.5639% | 2,883 |
| Total risk-based capital ratio | 16.4877% | 2,982 |
| Memoranda: | ||
| Average total assets | $36,487,500 | 5,788 |
| Average earning assets | $34,192,000 | 5,755 |
| Average equity | $3,633,500 | 5,866 |
| Average total loans | $26,230,500 | 5,475 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 283 |
| Cost of funding earning assets | 0.7925% | 508 |
| Net interest margin | 4.6748% | 476 |
| Noninterest income to average assets | 0.5215% | 3,186 |
| Noninterest expense to average assets | 3.3818% | 1,526 |
| Loan and lease loss provision to assets | 0.1613% | 1,431 |
| Net operating income to assets | 0.8602% | 3,067 |
| Return on assets (ROA) | 0.8602% | 3,135 |
| Pretax return on assets | 1.3549% | 2,085 |
| Return on Equity (ROE) | 9.0126% | 2,448 |
| Retained earnings to average equity (ytd only) | 4.7879% | 2,587 |
| Net charge-offs to loans | 0.7817% | 291 |
| Credit loss provision to net charge-offs | 30.3030% | 3,653 |
| Earnings coverage of net charge-offs (x) | 2.8485% | 3,815 |
| Efficiency ratio | 69.0450% | 3,392 |
| Assets per employee ($millions) | 2.7893% | 5,712 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 5,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 2,599 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.8662% | 1,910 |
| Net loans and leases to deposits | 81.5695% | 2,642 |
| Net loans and leases to core deposits | 83.0150% | 3,051 |
| Total domestic deposits to total assets | 89.3301% | 945 |
| Equity capital to assets | 9.9942% | 3,961 |
| Core capital (leverage) ratio | 9.8711% | 3,687 |
| Tier 1 risk-based capital ratio | 14.8171% | 3,264 |
| Total risk-based capital ratio | 15.6497% | 3,411 |
| Memoranda: | ||
| Average total assets | $37,199,400 | 5,819 |
| Average earning assets | $34,824,800 | 5,789 |
| Average equity | $3,550,600 | 5,919 |
| Average total loans | $25,329,200 | 5,541 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 326 |
| Cost of funding earning assets | 0.7791% | 564 |
| Net interest margin | 4.6101% | 532 |
| Noninterest income to average assets | 0.5058% | 3,323 |
| Noninterest expense to average assets | 3.3053% | 1,676 |
| Loan and lease loss provision to assets | 0.1603% | 1,341 |
| Net operating income to assets | 0.8691% | 3,088 |
| Return on assets (ROA) | 0.8691% | 3,176 |
| Pretax return on assets | 1.3606% | 2,177 |
| Return on Equity (ROE) | 9.2103% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.2103% | 825 |
| Net charge-offs to loans | 1.0611% | 173 |
| Credit loss provision to net charge-offs | 22.6131% | 3,342 |
| Earnings coverage of net charge-offs (x) | 2.1457% | 3,723 |
| Efficiency ratio | 68.4871% | 3,455 |
| Assets per employee ($millions) | 3.7866% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 5,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 2,908 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.8357% | 2,412 |
| Net loans and leases to deposits | 85.8126% | 2,165 |
| Net loans and leases to core deposits | 87.4037% | 2,714 |
| Total domestic deposits to total assets | 81.3817% | 4,366 |
| Equity capital to assets | 9.7026% | 4,516 |
| Core capital (leverage) ratio | 9.6025% | 4,162 |
| Tier 1 risk-based capital ratio | 15.4139% | 3,089 |
| Total risk-based capital ratio | 16.1951% | 3,271 |
| Memoranda: | ||
| Average total assets | $37,434,000 | 5,890 |
| Average earning assets | $35,081,750 | 5,863 |
| Average equity | $3,532,250 | 6,001 |
| Average total loans | $25,005,750 | 5,614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 380 |
| Cost of funding earning assets | 0.7735% | 570 |
| Net interest margin | 4.4977% | 640 |
| Noninterest income to average assets | 0.4988% | 3,388 |
| Noninterest expense to average assets | 3.2609% | 1,816 |
| Loan and lease loss provision to assets | 0.1609% | 1,318 |
| Net operating income to assets | 0.8367% | 3,185 |
| Return on assets (ROA) | 0.8367% | 3,303 |
| Pretax return on assets | 1.2872% | 2,410 |
| Return on Equity (ROE) | 8.9527% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.9527% | 936 |
| Net charge-offs to loans | 1.6841% | 92 |
| Credit loss provision to net charge-offs | 14.5631% | 3,071 |
| Earnings coverage of net charge-offs (x) | 1.3107% | 3,538 |
| Efficiency ratio | 69.2483% | 3,454 |
| Assets per employee ($millions) | 2.9311% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 5,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 3,024 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.7225% | 2,686 |
| Net loans and leases to deposits | 83.5519% | 2,376 |
| Net loans and leases to core deposits | 85.0976% | 2,872 |
| Total domestic deposits to total assets | 81.0545% | 4,601 |
| Equity capital to assets | 9.3770% | 4,814 |
| Core capital (leverage) ratio | 9.6416% | 4,087 |
| Tier 1 risk-based capital ratio | 15.2640% | 3,216 |
| Total risk-based capital ratio | 15.9604% | 3,450 |
| Memoranda: | ||
| Average total assets | $37,290,000 | 5,965 |
| Average earning assets | $34,907,000 | 5,934 |
| Average equity | $3,485,000 | 6,069 |
| Average total loans | $24,464,670 | 5,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 493 |
| Cost of funding earning assets | 0.7383% | 702 |
| Net interest margin | 4.3491% | 798 |
| Noninterest income to average assets | 0.4446% | 3,669 |
| Noninterest expense to average assets | 3.3403% | 1,619 |
| Loan and lease loss provision to assets | 0.1627% | 1,239 |
| Net operating income to assets | 0.6724% | 3,938 |
| Return on assets (ROA) | 0.6724% | 4,061 |
| Pretax return on assets | 1.0303% | 3,377 |
| Return on Equity (ROE) | 7.2072% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.2072% | 1,917 |
| Net charge-offs to loans | 3.4918% | 42 |
| Credit loss provision to net charge-offs | 7.2464% | 2,447 |
| Earnings coverage of net charge-offs (x) | 0.5314% | 3,035 |
| Efficiency ratio | 73.6842% | 2,862 |
| Assets per employee ($millions) | 3.0748% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 6,035 |
| Loan loss allowance to noncurrent loans | 773.6842% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 2,920 |
| Noncurrent loans to loans | 0.0800% | 5,458 |
| Net loans and leases to total assets | 63.9980% | 3,088 |
| Net loans and leases to deposits | 71.7642% | 3,555 |
| Net loans and leases to core deposits | 74.6239% | 3,726 |
| Total domestic deposits to total assets | 89.1783% | 1,153 |
| Equity capital to assets | 9.4612% | 4,792 |
| Core capital (leverage) ratio | 9.2195% | 4,684 |
| Tier 1 risk-based capital ratio | 14.1748% | 3,896 |
| Total risk-based capital ratio | 14.7756% | 4,226 |
| Memoranda: | ||
| Average total assets | $36,883,000 | 6,030 |
| Average earning assets | $34,673,500 | 5,997 |
| Average equity | $3,441,000 | 6,133 |
| Average total loans | $23,713,000 | 5,766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 385 |
| Cost of funding earning assets | 0.7360% | 916 |
| Net interest margin | 4.6566% | 563 |
| Noninterest income to average assets | 0.9958% | 1,224 |
| Noninterest expense to average assets | 3.5194% | 1,444 |
| Loan and lease loss provision to assets | 0.0549% | 3,455 |
| Net operating income to assets | 1.1312% | 1,861 |
| Return on assets (ROA) | 1.1329% | 1,912 |
| Pretax return on assets | 1.7803% | 830 |
| Return on Equity (ROE) | 13.0054% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.0054% | 223 |
| Net charge-offs to loans | 0.0290% | 4,244 |
| Credit loss provision to net charge-offs | 285.7143% | 890 |
| Earnings coverage of net charge-offs (x) | 95.4286% | 547 |
| Efficiency ratio | 65.7611% | 4,291 |
| Assets per employee ($millions) | 3.3516% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 2,788 |
| Loan loss allowance to noncurrent loans | 163.7681% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 2,028 |
| Noncurrent loans to loans | 0.8747% | 3,130 |
| Net loans and leases to total assets | 63.2690% | 3,324 |
| Net loans and leases to deposits | 70.4351% | 3,848 |
| Net loans and leases to core deposits | 73.2233% | 4,001 |
| Total domestic deposits to total assets | 89.8259% | 813 |
| Equity capital to assets | 9.1977% | 5,078 |
| Core capital (leverage) ratio | 9.1353% | 4,770 |
| Tier 1 risk-based capital ratio | 15.4432% | 3,248 |
| Total risk-based capital ratio | 16.6946% | 3,190 |
| Memoranda: | ||
| Average total assets | $36,454,600 | 6,117 |
| Average earning assets | $34,102,400 | 6,085 |
| Average equity | $3,175,600 | 6,236 |
| Average total loans | $24,170,800 | 5,813 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 392 |
| Cost of funding earning assets | 0.7535% | 877 |
| Net interest margin | 4.6232% | 586 |
| Noninterest income to average assets | 1.1187% | 972 |
| Noninterest expense to average assets | 3.4698% | 1,526 |
| Loan and lease loss provision to assets | 0.0183% | 4,041 |
| Net operating income to assets | 1.2337% | 1,569 |
| Return on assets (ROA) | 1.2361% | 1,622 |
| Pretax return on assets | 1.9550% | 634 |
| Return on Equity (ROE) | 14.3932% | 915 |
| Retained earnings to average equity (ytd only) | 14.3932% | 230 |
| Net charge-offs to loans | -0.0055% | 5,312 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7896% | 4,582 |
| Assets per employee ($millions) | 3.0898% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 3,797 |
| Loan loss allowance to noncurrent loans | 161.9512% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 2,719 |
| Noncurrent loans to loans | 0.7853% | 3,616 |
| Net loans and leases to total assets | 69.5129% | 2,269 |
| Net loans and leases to deposits | 77.1469% | 3,057 |
| Net loans and leases to core deposits | 80.1630% | 3,294 |
| Total domestic deposits to total assets | 90.1046% | 684 |
| Equity capital to assets | 8.9487% | 5,406 |
| Core capital (leverage) ratio | 9.0217% | 5,049 |
| Tier 1 risk-based capital ratio | 13.9033% | 4,288 |
| Total risk-based capital ratio | 15.1562% | 4,225 |
| Memoranda: | ||
| Average total assets | $36,351,250 | 6,192 |
| Average earning assets | $33,972,750 | 6,167 |
| Average equity | $3,121,750 | 6,316 |
| Average total loans | $24,297,250 | 5,871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 505 |
| Cost of funding earning assets | 0.7597% | 881 |
| Net interest margin | 4.4455% | 789 |
| Noninterest income to average assets | 1.4124% | 608 |
| Noninterest expense to average assets | 3.5116% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2925% | 1,333 |
| Return on assets (ROA) | 1.2961% | 1,372 |
| Pretax return on assets | 2.0549% | 484 |
| Return on Equity (ROE) | 15.3125% | 750 |
| Retained earnings to average equity (ytd only) | 15.3125% | 199 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1474% | 4,831 |
| Assets per employee ($millions) | 2.8373% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 3,956 |
| Loan loss allowance to noncurrent loans | 370.4545% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 3,548 |
| Noncurrent loans to loans | 0.3460% | 4,970 |
| Net loans and leases to total assets | 68.0710% | 2,403 |
| Net loans and leases to deposits | 76.3765% | 3,009 |
| Net loans and leases to core deposits | 79.4130% | 3,272 |
| Total domestic deposits to total assets | 89.1257% | 1,287 |
| Equity capital to assets | 8.7298% | 5,590 |
| Core capital (leverage) ratio | 9.2432% | 4,677 |
| Tier 1 risk-based capital ratio | 13.8166% | 4,380 |
| Total risk-based capital ratio | 15.0668% | 4,332 |
| Memoranda: | ||
| Average total assets | $36,109,000 | 6,260 |
| Average earning assets | $33,696,670 | 6,230 |
| Average equity | $3,056,330 | 6,382 |
| Average total loans | $23,694,330 | 5,941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 749 |
| Cost of funding earning assets | 0.7918% | 777 |
| Net interest margin | 4.1872% | 1,253 |
| Noninterest income to average assets | 0.6943% | 2,205 |
| Noninterest expense to average assets | 3.4713% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7391% | 3,491 |
| Return on assets (ROA) | 0.7391% | 3,571 |
| Pretax return on assets | 1.1310% | 2,765 |
| Return on Equity (ROE) | 8.8754% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.8754% | 1,290 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4258% | 2,885 |
| Assets per employee ($millions) | 2.8608% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 3,379 |
| Loan loss allowance to noncurrent loans | 383.5294% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 2,130 |
| Noncurrent loans to loans | 0.3773% | 4,995 |
| Net loans and leases to total assets | 64.6781% | 2,779 |
| Net loans and leases to deposits | 71.9344% | 3,343 |
| Net loans and leases to core deposits | 72.5384% | 3,816 |
| Total domestic deposits to total assets | 89.9126% | 1,118 |
| Equity capital to assets | 8.7970% | 5,343 |
| Core capital (leverage) ratio | 8.5734% | 5,558 |
| Tier 1 risk-based capital ratio | 14.2398% | 4,169 |
| Total risk-based capital ratio | 15.4920% | 4,117 |
| Memoranda: | ||
| Average total assets | $35,721,000 | 6,340 |
| Average earning assets | $33,340,000 | 6,303 |
| Average equity | $2,974,500 | 6,453 |
| Average total loans | $22,824,500 | 6,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 638 |
| Cost of funding earning assets | 0.8438% | 977 |
| Net interest margin | 4.3581% | 979 |
| Noninterest income to average assets | 0.5449% | 3,439 |
| Noninterest expense to average assets | 3.3960% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7733% | 3,429 |
| Return on assets (ROA) | 0.7733% | 3,523 |
| Pretax return on assets | 1.1999% | 2,585 |
| Return on Equity (ROE) | 9.5442% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,008 |
| Net charge-offs to loans | 0.0574% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 33.5385% | 1,080 |
| Efficiency ratio | 73.8922% | 3,144 |
| Assets per employee ($millions) | 3.0927% | 5,685 |
| Cash dividends to net income (ytd only)* | 53.3808% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,599 |
| Loan loss allowance to noncurrent loans | 155.9809% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 2,807 |
| Noncurrent loans to loans | 0.9040% | 3,723 |
| Net loans and leases to total assets | 61.4168% | 3,457 |
| Net loans and leases to deposits | 67.5408% | 4,119 |
| Net loans and leases to core deposits | 68.0591% | 4,505 |
| Total domestic deposits to total assets | 90.9329% | 602 |
| Equity capital to assets | 7.8923% | 6,092 |
| Core capital (leverage) ratio | 8.1890% | 5,986 |
| Tier 1 risk-based capital ratio | 13.2422% | 4,829 |
| Total risk-based capital ratio | 14.4943% | 4,767 |
| Memoranda: | ||
| Average total assets | $36,337,400 | 6,381 |
| Average earning assets | $33,776,200 | 6,352 |
| Average equity | $2,944,200 | 6,544 |
| Average total loans | $22,653,400 | 6,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 664 |
| Cost of funding earning assets | 0.8581% | 999 |
| Net interest margin | 4.3303% | 1,026 |
| Noninterest income to average assets | 0.4759% | 3,966 |
| Noninterest expense to average assets | 3.4159% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7009% | 3,856 |
| Return on assets (ROA) | 0.7009% | 3,990 |
| Pretax return on assets | 1.0809% | 3,188 |
| Return on Equity (ROE) | 8.5933% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.5933% | 1,200 |
| Net charge-offs to loans | 0.0414% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 41.8714% | 973 |
| Efficiency ratio | 75.9639% | 2,740 |
| Assets per employee ($millions) | 2.9624% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 3,945 |
| Loan loss allowance to noncurrent loans | 154.4186% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 2,889 |
| Noncurrent loans to loans | 0.8992% | 4,024 |
| Net loans and leases to total assets | 66.3282% | 2,582 |
| Net loans and leases to deposits | 73.7189% | 3,281 |
| Net loans and leases to core deposits | 74.3044% | 3,804 |
| Total domestic deposits to total assets | 89.9744% | 1,010 |
| Equity capital to assets | 8.4447% | 5,795 |
| Core capital (leverage) ratio | 8.5926% | 5,669 |
| Tier 1 risk-based capital ratio | 13.5789% | 4,706 |
| Total risk-based capital ratio | 14.8336% | 4,662 |
| Memoranda: | ||
| Average total assets | $36,143,750 | 6,459 |
| Average earning assets | $33,561,000 | 6,432 |
| Average equity | $2,948,000 | 6,616 |
| Average total loans | $22,537,000 | 6,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 837 |
| Cost of funding earning assets | 0.8921% | 941 |
| Net interest margin | 4.1632% | 1,367 |
| Noninterest income to average assets | 0.4623% | 4,077 |
| Noninterest expense to average assets | 3.3185% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6659% | 3,992 |
| Return on assets (ROA) | 0.6659% | 4,144 |
| Pretax return on assets | 0.9961% | 3,527 |
| Return on Equity (ROE) | 8.2594% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.2594% | 1,383 |
| Net charge-offs to loans | 0.0634% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 25.8571% | 1,256 |
| Efficiency ratio | 76.9133% | 2,642 |
| Assets per employee ($millions) | 2.9273% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 3,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 4,259 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 65.5460% | 2,672 |
| Net loans and leases to deposits | 72.5128% | 3,380 |
| Net loans and leases to core deposits | 73.0929% | 3,912 |
| Total domestic deposits to total assets | 90.3923% | 809 |
| Equity capital to assets | 8.2954% | 5,974 |
| Core capital (leverage) ratio | 8.3846% | 5,783 |
| Tier 1 risk-based capital ratio | 13.8166% | 4,549 |
| Total risk-based capital ratio | 15.0718% | 4,513 |
| Memoranda: | ||
| Average total assets | $36,342,000 | 6,499 |
| Average earning assets | $33,628,330 | 6,480 |
| Average equity | $2,930,000 | 6,672 |
| Average total loans | $22,079,000 | 6,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 1,207 |
| Cost of funding earning assets | 0.9003% | 983 |
| Net interest margin | 3.9403% | 1,976 |
| Noninterest income to average assets | 0.4114% | 4,378 |
| Noninterest expense to average assets | 3.2152% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5521% | 4,448 |
| Return on assets (ROA) | 0.5521% | 4,600 |
| Pretax return on assets | 0.8444% | 3,980 |
| Return on Equity (ROE) | 6.9435% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.9435% | 2,180 |
| Net charge-offs to loans | 0.1679% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,924 |
| Efficiency ratio | 79.2000% | 2,438 |
| Assets per employee ($millions) | 3.0243% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 3,720 |
| Loan loss allowance to noncurrent loans | 2,357.1429% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 4,374 |
| Noncurrent loans to loans | 0.0647% | 6,286 |
| Net loans and leases to total assets | 58.7264% | 3,665 |
| Net loans and leases to deposits | 65.2332% | 4,159 |
| Net loans and leases to core deposits | 65.2332% | 4,630 |
| Total domestic deposits to total assets | 90.0253% | 1,031 |
| Equity capital to assets | 8.1588% | 6,291 |
| Core capital (leverage) ratio | 8.1310% | 6,015 |
| Tier 1 risk-based capital ratio | 14.2056% | 4,361 |
| Total risk-based capital ratio | 15.4585% | 4,323 |
| Memoranda: | ||
| Average total assets | $36,949,000 | 6,548 |
| Average earning assets | $34,211,000 | 6,518 |
| Average equity | $2,938,000 | 6,738 |
| Average total loans | $21,440,000 | 6,292 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 1,227 |
| Cost of funding earning assets | 1.0685% | 1,031 |
| Net interest margin | 4.0731% | 2,110 |
| Noninterest income to average assets | 0.6705% | 2,879 |
| Noninterest expense to average assets | 3.3013% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7188% | 3,645 |
| Return on assets (ROA) | 0.7188% | 3,901 |
| Pretax return on assets | 1.1165% | 3,094 |
| Return on Equity (ROE) | 8.8178% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.3915% | 3,138 |
| Net charge-offs to loans | -0.1291% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7267% | 2,943 |
| Assets per employee ($millions) | 3.1338% | 5,776 |
| Cash dividends to net income (ytd only)* | 50.1976% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,412.5000% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 4,473 |
| Noncurrent loans to loans | 0.1130% | 6,206 |
| Net loans and leases to total assets | 55.5709% | 4,368 |
| Net loans and leases to deposits | 61.3366% | 4,860 |
| Net loans and leases to core deposits | 61.3366% | 5,232 |
| Total domestic deposits to total assets | 90.5999% | 664 |
| Equity capital to assets | 7.7514% | 6,524 |
| Core capital (leverage) ratio | 7.9657% | 6,228 |
| Tier 1 risk-based capital ratio | 14.0577% | 4,339 |
| Total risk-based capital ratio | 15.3151% | 4,294 |
| Memoranda: | ||
| Average total assets | $35,198,000 | 6,624 |
| Average earning assets | $32,382,800 | 6,597 |
| Average equity | $2,869,200 | 6,813 |
| Average total loans | $20,138,000 | 6,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 1,185 |
| Cost of funding earning assets | 1.1128% | 1,012 |
| Net interest margin | 4.0912% | 2,119 |
| Noninterest income to average assets | 0.7207% | 2,618 |
| Noninterest expense to average assets | 3.4300% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6898% | 3,954 |
| Return on assets (ROA) | 0.6898% | 4,212 |
| Pretax return on assets | 1.0598% | 3,504 |
| Return on Equity (ROE) | 8.3513% | 3,105 |
| Retained earnings to average equity (ytd only) | 8.3513% | 1,463 |
| Net charge-offs to loans | -0.1678% | 6,961 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3948% | 2,610 |
| Assets per employee ($millions) | 2.8934% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 4,718 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.0732% | 3,769 |
| Net loans and leases to deposits | 66.6198% | 4,388 |
| Net loans and leases to core deposits | 66.6198% | 4,884 |
| Total domestic deposits to total assets | 90.1731% | 749 |
| Equity capital to assets | 8.5568% | 6,217 |
| Core capital (leverage) ratio | 8.4258% | 5,865 |
| Tier 1 risk-based capital ratio | 13.3728% | 4,971 |
| Total risk-based capital ratio | 14.6252% | 4,928 |
| Memoranda: | ||
| Average total assets | $34,596,000 | 6,727 |
| Average earning assets | $31,872,250 | 6,693 |
| Average equity | $2,857,750 | 6,898 |
| Average total loans | $19,863,250 | 6,518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 1,369 |
| Cost of funding earning assets | 1.1323% | 1,083 |
| Net interest margin | 4.0198% | 2,415 |
| Noninterest income to average assets | 0.4920% | 3,968 |
| Noninterest expense to average assets | 3.4554% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4920% | 4,854 |
| Return on assets (ROA) | 0.4920% | 5,107 |
| Pretax return on assets | 0.7351% | 4,724 |
| Return on Equity (ROE) | 6.0284% | 4,313 |
| Retained earnings to average equity (ytd only) | 6.0284% | 2,699 |
| Net charge-offs to loans | -0.0721% | 6,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4586% | 1,821 |
| Assets per employee ($millions) | 3.0453% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 4,749 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.0304% | 3,814 |
| Net loans and leases to deposits | 66.4629% | 4,451 |
| Net loans and leases to core deposits | 66.4629% | 4,945 |
| Total domestic deposits to total assets | 90.3218% | 751 |
| Equity capital to assets | 8.5766% | 6,140 |
| Core capital (leverage) ratio | 8.4151% | 5,768 |
| Tier 1 risk-based capital ratio | 15.0643% | 3,727 |
| Total risk-based capital ratio | 16.3188% | 3,683 |
| Memoranda: | ||
| Average total assets | $34,554,330 | 6,775 |
| Average earning assets | $31,792,330 | 6,744 |
| Average equity | $2,820,000 | 6,948 |
| Average total loans | $19,419,000 | 6,586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 2,479 |
| Cost of funding earning assets | 1.1211% | 1,293 |
| Net interest margin | 3.7205% | 3,734 |
| Noninterest income to average assets | 0.4789% | 4,072 |
| Noninterest expense to average assets | 3.4091% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3535% | 5,463 |
| Return on assets (ROA) | 0.3535% | 5,638 |
| Pretax return on assets | 0.5131% | 5,383 |
| Return on Equity (ROE) | 4.4389% | 5,075 |
| Retained earnings to average equity (ytd only) | 4.4389% | 3,931 |
| Net charge-offs to loans | -0.1269% | 6,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9186% | 1,384 |
| Assets per employee ($millions) | 2.8743% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,453 |
| Loan loss allowance to noncurrent loans | 255.2000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,182 |
| Noncurrent loans to loans | 0.6556% | 5,334 |
| Net loans and leases to total assets | 54.3533% | 4,664 |
| Net loans and leases to deposits | 59.7362% | 5,183 |
| Net loans and leases to core deposits | 59.7362% | 5,558 |
| Total domestic deposits to total assets | 90.9890% | 563 |
| Equity capital to assets | 8.1471% | 6,415 |
| Core capital (leverage) ratio | 8.2726% | 5,919 |
| Tier 1 risk-based capital ratio | 15.7586% | 3,315 |
| Total risk-based capital ratio | 17.0168% | 3,276 |
| Memoranda: | ||
| Average total assets | $35,082,500 | 6,822 |
| Average earning assets | $32,468,500 | 6,781 |
| Average equity | $2,793,500 | 7,002 |
| Average total loans | $18,914,000 | 6,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5967% | 959 |
| Cost of funding earning assets | 1.3261% | 1,360 |
| Net interest margin | 4.2707% | 1,804 |
| Noninterest income to average assets | 0.5090% | 3,786 |
| Noninterest expense to average assets | 3.7701% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3892% | 4,915 |
| Return on assets (ROA) | 0.3871% | 5,085 |
| Pretax return on assets | 0.5638% | 4,799 |
| Return on Equity (ROE) | 4.6915% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.9527% | 3,382 |
| Net charge-offs to loans | -0.3376% | 7,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9290% | 1,450 |
| Assets per employee ($millions) | 2.9728% | 6,149 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 3,309 |
| Loan loss allowance to noncurrent loans | 248.4127% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 4,351 |
| Noncurrent loans to loans | 0.6716% | 5,356 |
| Net loans and leases to total assets | 51.7155% | 5,359 |
| Net loans and leases to deposits | 56.5625% | 5,828 |
| Net loans and leases to core deposits | 57.4610% | 6,045 |
| Total domestic deposits to total assets | 91.4307% | 351 |
| Equity capital to assets | 7.7844% | 6,697 |
| Core capital (leverage) ratio | 8.0539% | 6,200 |
| Tier 1 risk-based capital ratio | 15.5631% | 3,286 |
| Total risk-based capital ratio | 16.8203% | 3,238 |
| Memoranda: | ||
| Average total assets | $32,811,000 | 6,898 |
| Average earning assets | $29,410,000 | 6,884 |
| Average equity | $2,707,000 | 7,073 |
| Average total loans | $19,251,800 | 6,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 699 |
| Cost of funding earning assets | 1.3789% | 1,324 |
| Net interest margin | 4.4220% | 1,339 |
| Noninterest income to average assets | 0.5317% | 3,640 |
| Noninterest expense to average assets | 3.8925% | 1,166 |
| Loan and lease loss provision to assets | 0.1122% | 5,022 |
| Net operating income to assets | 0.3270% | 5,302 |
| Return on assets (ROA) | 0.3240% | 5,477 |
| Pretax return on assets | 0.4528% | 5,309 |
| Return on Equity (ROE) | 3.8669% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.8753% | 4,637 |
| Net charge-offs to loans | 0.0138% | 5,958 |
| Credit loss provision to net charge-offs | 1,350.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 68.4120% | 480 |
| Efficiency ratio | 87.2439% | 1,416 |
| Assets per employee ($millions) | 2.7137% | 6,632 |
| Cash dividends to net income (ytd only)* | 25.6442% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 4,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 5,065 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.0027% | 4,515 |
| Net loans and leases to deposits | 64.1729% | 5,146 |
| Net loans and leases to core deposits | 65.3044% | 5,492 |
| Total domestic deposits to total assets | 90.3851% | 685 |
| Equity capital to assets | 8.4050% | 6,392 |
| Core capital (leverage) ratio | 8.4330% | 5,802 |
| Tier 1 risk-based capital ratio | 14.3921% | 4,060 |
| Total risk-based capital ratio | 15.6454% | 4,024 |
| Memoranda: | ||
| Average total assets | $32,095,250 | 6,979 |
| Average earning assets | $28,523,500 | 6,978 |
| Average equity | $2,689,500 | 7,143 |
| Average total loans | $19,374,250 | 6,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8109% | 706 |
| Cost of funding earning assets | 1.4242% | 1,310 |
| Net interest margin | 4.3867% | 1,410 |
| Noninterest income to average assets | 0.5323% | 3,617 |
| Noninterest expense to average assets | 4.1016% | 914 |
| Loan and lease loss provision to assets | 0.1127% | 4,883 |
| Net operating income to assets | 0.1565% | 5,866 |
| Return on assets (ROA) | 0.1565% | 5,964 |
| Pretax return on assets | 0.1753% | 5,972 |
| Return on Equity (ROE) | 1.8701% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.8701% | 5,046 |
| Net charge-offs to loans | 0.1029% | 4,658 |
| Credit loss provision to net charge-offs | 180.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,819 |
| Efficiency ratio | 93.4379% | 1,014 |
| Assets per employee ($millions) | 2.4163% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 5,077 |
| Loan loss allowance to noncurrent loans | 98.8417% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7350% | 3,601 |
| Noncurrent loans to loans | 1.3121% | 4,451 |
| Net loans and leases to total assets | 62.0241% | 3,880 |
| Net loans and leases to deposits | 68.7886% | 4,591 |
| Net loans and leases to core deposits | 70.0500% | 5,069 |
| Total domestic deposits to total assets | 90.1662% | 886 |
| Equity capital to assets | 8.6336% | 6,023 |
| Core capital (leverage) ratio | 8.3696% | 5,752 |
| Tier 1 risk-based capital ratio | 13.7870% | 4,314 |
| Total risk-based capital ratio | 15.0390% | 4,287 |
| Memoranda: | ||
| Average total assets | $31,939,000 | 7,048 |
| Average earning assets | $28,085,000 | 7,058 |
| Average equity | $2,673,670 | 7,209 |
| Average total loans | $19,445,330 | 6,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 707 |
| Cost of funding earning assets | 1.3878% | 1,676 |
| Net interest margin | 4.4354% | 1,204 |
| Noninterest income to average assets | 0.7329% | 2,374 |
| Noninterest expense to average assets | 4.3351% | 701 |
| Loan and lease loss provision to assets | 0.1118% | 4,617 |
| Net operating income to assets | 0.1863% | 5,831 |
| Return on assets (ROA) | 0.1863% | 5,890 |
| Pretax return on assets | 0.1366% | 6,084 |
| Return on Equity (ROE) | 2.2603% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.2603% | 4,796 |
| Net charge-offs to loans | 0.1244% | 3,779 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,773 |
| Efficiency ratio | 94.5799% | 1,010 |
| Assets per employee ($millions) | 2.2679% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 5,121 |
| Loan loss allowance to noncurrent loans | 8,366.6667% | 69 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 4,246 |
| Noncurrent loans to loans | 0.0156% | 7,030 |
| Net loans and leases to total assets | 59.9685% | 4,267 |
| Net loans and leases to deposits | 66.0034% | 4,977 |
| Net loans and leases to core deposits | 67.1913% | 5,388 |
| Total domestic deposits to total assets | 90.8567% | 698 |
| Equity capital to assets | 8.4378% | 6,006 |
| Core capital (leverage) ratio | 8.2715% | 5,863 |
| Tier 1 risk-based capital ratio | 13.5527% | 4,391 |
| Total risk-based capital ratio | 14.8034% | 4,355 |
| Memoranda: | ||
| Average total assets | $32,202,500 | 7,092 |
| Average earning assets | $27,957,000 | 7,105 |
| Average equity | $2,654,500 | 7,253 |
| Average total loans | $19,298,500 | 6,880 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2274% | 537 |
| Cost of funding earning assets | 1.6533% | 1,811 |
| Net interest margin | 4.5741% | 1,068 |
| Noninterest income to average assets | 0.8182% | 2,192 |
| Noninterest expense to average assets | 4.0436% | 1,104 |
| Loan and lease loss provision to assets | 0.1137% | 6,026 |
| Net operating income to assets | 0.4391% | 4,368 |
| Return on assets (ROA) | 0.4391% | 4,526 |
| Pretax return on assets | 0.5939% | 4,348 |
| Return on Equity (ROE) | 5.3635% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.3635% | 2,207 |
| Net charge-offs to loans | 0.2846% | 4,596 |
| Credit loss provision to net charge-offs | 64.2857% | 6,001 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,108 |
| Efficiency ratio | 85.1064% | 1,793 |
| Assets per employee ($millions) | 2.3325% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,083 |
| Loan loss allowance to noncurrent loans | 1,078.2609% | 352 |
| Noncurrent assets plus other real estate owned to assets | 2.2722% | 3,002 |
| Noncurrent loans to loans | 0.1191% | 6,841 |
| Net loans and leases to total assets | 58.3617% | 4,973 |
| Net loans and leases to deposits | 63.9444% | 5,635 |
| Net loans and leases to core deposits | 63.9444% | 6,055 |
| Total domestic deposits to total assets | 91.2693% | 476 |
| Equity capital to assets | 8.0539% | 6,439 |
| Core capital (leverage) ratio | 8.3870% | 5,564 |
| Tier 1 risk-based capital ratio | 12.6803% | 4,875 |
| Total risk-based capital ratio | 13.8764% | 4,895 |
| Memoranda: | ||
| Average total assets | $31,655,200 | 7,155 |
| Average earning assets | $27,218,400 | 7,182 |
| Average equity | $2,591,600 | 7,374 |
| Average total loans | $19,680,000 | 6,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3374% | 469 |
| Cost of funding earning assets | 1.7095% | 1,825 |
| Net interest margin | 4.6279% | 981 |
| Noninterest income to average assets | 0.8321% | 2,069 |
| Noninterest expense to average assets | 4.0714% | 961 |
| Loan and lease loss provision to assets | 0.1146% | 5,883 |
| Net operating income to assets | 0.4458% | 4,559 |
| Return on assets (ROA) | 0.4458% | 4,749 |
| Pretax return on assets | 0.6114% | 4,560 |
| Return on Equity (ROE) | 5.4222% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.4222% | 2,697 |
| Net charge-offs to loans | 0.6810% | 2,722 |
| Credit loss provision to net charge-offs | 26.7327% | 6,186 |
| Earnings coverage of net charge-offs (x) | 1.6931% | 4,433 |
| Efficiency ratio | 84.8673% | 1,743 |
| Assets per employee ($millions) | 2.3397% | 7,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,519 |
| Loan loss allowance to noncurrent loans | 230.9524% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 2.6401% | 2,744 |
| Noncurrent loans to loans | 0.4199% | 6,359 |
| Net loans and leases to total assets | 65.1335% | 3,883 |
| Net loans and leases to deposits | 72.2370% | 4,806 |
| Net loans and leases to core deposits | 72.2370% | 5,484 |
| Total domestic deposits to total assets | 90.1664% | 793 |
| Equity capital to assets | 8.7027% | 6,006 |
| Core capital (leverage) ratio | 8.4610% | 5,577 |
| Tier 1 risk-based capital ratio | 12.4808% | 5,000 |
| Total risk-based capital ratio | 13.4138% | 5,270 |
| Memoranda: | ||
| Average total assets | $31,405,250 | 7,243 |
| Average earning assets | $26,908,500 | 7,280 |
| Average equity | $2,582,000 | 7,473 |
| Average total loans | $19,773,500 | 7,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2398% | 581 |
| Cost of funding earning assets | 1.7300% | 1,967 |
| Net interest margin | 4.5098% | 1,185 |
| Noninterest income to average assets | 0.9138% | 1,643 |
| Noninterest expense to average assets | 4.0460% | 994 |
| Loan and lease loss provision to assets | 0.1134% | 5,773 |
| Net operating income to assets | 0.4412% | 4,582 |
| Return on assets (ROA) | 0.4412% | 4,736 |
| Pretax return on assets | 0.5987% | 4,567 |
| Return on Equity (ROE) | 5.4680% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.4680% | 2,630 |
| Net charge-offs to loans | 1.0154% | 1,836 |
| Credit loss provision to net charge-offs | 18.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | 1.1300% | 4,658 |
| Efficiency ratio | 85.0331% | 1,818 |
| Assets per employee ($millions) | 2.2041% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,726 |
| Loan loss allowance to noncurrent loans | 138.8060% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 2.7644% | 2,617 |
| Noncurrent loans to loans | 0.6554% | 5,940 |
| Net loans and leases to total assets | 65.6545% | 3,910 |
| Net loans and leases to deposits | 72.3898% | 4,930 |
| Net loans and leases to core deposits | 73.0686% | 5,548 |
| Total domestic deposits to total assets | 90.6958% | 601 |
| Equity capital to assets | 8.3936% | 6,309 |
| Core capital (leverage) ratio | 8.2392% | 5,876 |
| Tier 1 risk-based capital ratio | 12.2858% | 5,046 |
| Total risk-based capital ratio | 13.1785% | 5,349 |
| Memoranda: | ||
| Average total assets | $31,735,000 | 7,289 |
| Average earning assets | $27,052,330 | 7,334 |
| Average equity | $2,560,330 | 7,534 |
| Average total loans | $19,696,330 | 7,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9425% | 1,096 |
| Cost of funding earning assets | 1.7271% | 2,250 |
| Net interest margin | 4.2154% | 1,975 |
| Noninterest income to average assets | 0.7086% | 2,536 |
| Noninterest expense to average assets | 3.7297% | 1,458 |
| Loan and lease loss provision to assets | 0.1119% | 5,492 |
| Net operating income to assets | 0.3978% | 4,850 |
| Return on assets (ROA) | 0.3978% | 4,991 |
| Pretax return on assets | 0.4476% | 5,141 |
| Return on Equity (ROE) | 5.0285% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.0285% | 3,142 |
| Net charge-offs to loans | 2.0702% | 825 |
| Credit loss provision to net charge-offs | 9.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | 0.4500% | 4,621 |
| Efficiency ratio | 86.9565% | 1,690 |
| Assets per employee ($millions) | 2.5982% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,847 |
| Loan loss allowance to noncurrent loans | 210.7143% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 2.9604% | 2,431 |
| Noncurrent loans to loans | 0.4257% | 6,448 |
| Net loans and leases to total assets | 62.7269% | 4,607 |
| Net loans and leases to deposits | 68.7272% | 5,508 |
| Net loans and leases to core deposits | 69.3609% | 5,967 |
| Total domestic deposits to total assets | 91.2695% | 449 |
| Equity capital to assets | 8.1981% | 6,434 |
| Core capital (leverage) ratio | 7.8129% | 6,480 |
| Tier 1 risk-based capital ratio | 12.3048% | 4,902 |
| Total risk-based capital ratio | 13.1684% | 5,236 |
| Memoranda: | ||
| Average total assets | $32,174,000 | 7,371 |
| Average earning assets | $27,328,500 | 7,413 |
| Average equity | $2,545,500 | 7,618 |
| Average total loans | $19,322,000 | 7,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0086% | 1,831 |
| Cost of funding earning assets | 1.7677% | 4,161 |
| Net interest margin | 4.2410% | 1,930 |
| Noninterest income to average assets | 0.7547% | 2,649 |
| Noninterest expense to average assets | 3.8674% | 1,558 |
| Loan and lease loss provision to assets | 1.9823% | 1,096 |
| Net operating income to assets | -0.7077% | 6,373 |
| Return on assets (ROA) | -0.7077% | 6,368 |
| Pretax return on assets | -1.2933% | 6,591 |
| Return on Equity (ROE) | -8.9131% | 6,534 |
| Retained earnings to average equity (ytd only) | -8.9131% | 6,421 |
| Net charge-offs to loans | 2.8367% | 776 |
| Credit loss provision to net charge-offs | 112.8342% | 4,859 |
| Earnings coverage of net charge-offs (x) | 0.3922% | 5,725 |
| Efficiency ratio | 84.8797% | 2,248 |
| Assets per employee ($millions) | 2.7642% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,137 |
| Loan loss allowance to noncurrent loans | 162.4242% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 3.0268% | 2,309 |
| Noncurrent loans to loans | 0.8726% | 5,555 |
| Net loans and leases to total assets | 56.2014% | 5,921 |
| Net loans and leases to deposits | 61.1875% | 6,541 |
| Net loans and leases to core deposits | 76.0277% | 6,399 |
| Total domestic deposits to total assets | 91.8511% | 293 |
| Equity capital to assets | 7.6424% | 6,904 |
| Core capital (leverage) ratio | 7.6137% | 6,667 |
| Tier 1 risk-based capital ratio | 11.4879% | 5,401 |
| Total risk-based capital ratio | 12.7243% | 5,383 |
| Memoranda: | ||
| Average total assets | $31,933,400 | 7,408 |
| Average earning assets | $28,625,400 | 7,410 |
| Average equity | $2,535,600 | 7,720 |
| Average total loans | $19,776,800 | 7,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1348% | 1,542 |
| Cost of funding earning assets | 1.7922% | 4,417 |
| Net interest margin | 4.3425% | 1,610 |
| Noninterest income to average assets | 0.7294% | 2,829 |
| Noninterest expense to average assets | 4.0390% | 1,226 |
| Loan and lease loss provision to assets | 2.5381% | 650 |
| Net operating income to assets | -1.9394% | 7,290 |
| Return on assets (ROA) | -1.9394% | 7,293 |
| Pretax return on assets | -1.9352% | 7,147 |
| Return on Equity (ROE) | -24.1869% | 7,488 |
| Retained earnings to average equity (ytd only) | -24.1869% | 7,463 |
| Net charge-offs to loans | 3.5811% | 414 |
| Credit loss provision to net charge-offs | 112.1043% | 4,528 |
| Earnings coverage of net charge-offs (x) | 0.2663% | 5,748 |
| Efficiency ratio | 87.0118% | 1,961 |
| Assets per employee ($millions) | 2.4914% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,371 |
| Loan loss allowance to noncurrent loans | 175.1678% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 3.0505% | 2,265 |
| Noncurrent loans to loans | 0.7550% | 5,795 |
| Net loans and leases to total assets | 60.1272% | 5,563 |
| Net loans and leases to deposits | 65.5823% | 6,346 |
| Net loans and leases to core deposits | 81.8751% | 6,201 |
| Total domestic deposits to total assets | 91.6821% | 231 |
| Equity capital to assets | 7.1570% | 7,520 |
| Core capital (leverage) ratio | 7.1022% | 7,360 |
| Tier 1 risk-based capital ratio | 10.2564% | 6,730 |
| Total risk-based capital ratio | 11.4430% | 6,724 |
| Memoranda: | ||
| Average total assets | $31,624,250 | 7,478 |
| Average earning assets | $28,492,500 | 7,480 |
| Average equity | $2,535,750 | 7,797 |
| Average total loans | $19,993,500 | 7,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0879% | 1,828 |
| Cost of funding earning assets | 1.8250% | 4,638 |
| Net interest margin | 4.2629% | 1,767 |
| Noninterest income to average assets | 0.6631% | 3,245 |
| Noninterest expense to average assets | 3.9401% | 1,415 |
| Loan and lease loss provision to assets | 3.1432% | 473 |
| Net operating income to assets | -2.5184% | 7,562 |
| Return on assets (ROA) | -2.5184% | 7,554 |
| Pretax return on assets | -2.5184% | 7,426 |
| Return on Equity (ROE) | -30.2876% | 7,713 |
| Retained earnings to average equity (ytd only) | -30.2876% | 7,689 |
| Net charge-offs to loans | 5.1594% | 238 |
| Credit loss provision to net charge-offs | 95.1737% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.1892% | 5,482 |
| Efficiency ratio | 86.3128% | 2,196 |
| Assets per employee ($millions) | 2.5372% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,880 |
| Loan loss allowance to noncurrent loans | 33.1395% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 3.2024% | 1,955 |
| Noncurrent loans to loans | 2.6383% | 2,744 |
| Net loans and leases to total assets | 63.6767% | 5,048 |
| Net loans and leases to deposits | 69.8052% | 6,007 |
| Net loans and leases to core deposits | 84.6927% | 6,031 |
| Total domestic deposits to total assets | 91.2205% | 399 |
| Equity capital to assets | 7.6627% | 7,122 |
| Core capital (leverage) ratio | 7.3566% | 7,183 |
| Tier 1 risk-based capital ratio | 11.8600% | 5,034 |
| Total risk-based capital ratio | 12.7338% | 5,317 |
| Memoranda: | ||
| Average total assets | $31,369,670 | 7,552 |
| Average earning assets | $28,712,670 | 7,539 |
| Average equity | $2,608,330 | 7,855 |
| Average total loans | $20,079,670 | 7,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 2,088 |
| Cost of funding earning assets | 1.8821% | 4,732 |
| Net interest margin | 4.1839% | 1,957 |
| Noninterest income to average assets | 0.6534% | 3,178 |
| Noninterest expense to average assets | 3.7824% | 1,502 |
| Loan and lease loss provision to assets | 0.1131% | 5,519 |
| Net operating income to assets | 0.4524% | 4,644 |
| Return on assets (ROA) | 0.4524% | 4,813 |
| Pretax return on assets | 0.6409% | 4,617 |
| Return on Equity (ROE) | 5.2440% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.2440% | 2,994 |
| Net charge-offs to loans | -0.0590% | 7,746 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3795% | 2,373 |
| Assets per employee ($millions) | 2.6751% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,848 |
| Loan loss allowance to noncurrent loans | 17.2614% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 4.5108% | 1,065 |
| Noncurrent loans to loans | 6.0453% | 788 |
| Net loans and leases to total assets | 61.4467% | 5,423 |
| Net loans and leases to deposits | 67.9212% | 6,193 |
| Net loans and leases to core deposits | 81.9962% | 6,238 |
| Total domestic deposits to total assets | 90.4676% | 608 |
| Equity capital to assets | 8.6290% | 5,874 |
| Core capital (leverage) ratio | 8.6101% | 5,320 |
| Tier 1 risk-based capital ratio | 13.6229% | 3,789 |
| Total risk-based capital ratio | 14.6529% | 3,841 |
| Memoranda: | ||
| Average total assets | $31,831,500 | 7,577 |
| Average earning assets | $29,541,500 | 7,543 |
| Average equity | $2,746,000 | 7,859 |
| Average total loans | $20,340,500 | 7,342 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7925% | 1,705 |
| Cost of funding earning assets | 2.4197% | 4,636 |
| Net interest margin | 4.3728% | 1,764 |
| Noninterest income to average assets | 0.5816% | 3,995 |
| Noninterest expense to average assets | 3.5304% | 2,314 |
| Loan and lease loss provision to assets | 1.8324% | 686 |
| Net operating income to assets | -0.3690% | 6,792 |
| Return on assets (ROA) | -0.3690% | 6,668 |
| Pretax return on assets | -0.7067% | 6,817 |
| Return on Equity (ROE) | -4.0944% | 6,757 |
| Retained earnings to average equity (ytd only) | -4.6149% | 6,441 |
| Net charge-offs to loans | 2.8410% | 321 |
| Credit loss provision to net charge-offs | 98.6532% | 5,426 |
| Earnings coverage of net charge-offs (x) | 0.6061% | 5,860 |
| Efficiency ratio | 75.8227% | 3,262 |
| Assets per employee ($millions) | 2.6302% | 6,938 |
| Cash dividends to net income (ytd only)* | -12.7119% | 7,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,425 |
| Loan loss allowance to noncurrent loans | 24.6541% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 2.5189% | 1,922 |
| Noncurrent loans to loans | 3.8317% | 1,297 |
| Net loans and leases to total assets | 65.1163% | 5,031 |
| Net loans and leases to deposits | 71.7122% | 6,091 |
| Net loans and leases to core deposits | 85.2426% | 6,187 |
| Total domestic deposits to total assets | 90.8022% | 387 |
| Equity capital to assets | 8.6243% | 5,893 |
| Core capital (leverage) ratio | 8.6192% | 5,345 |
| Tier 1 risk-based capital ratio | 12.3365% | 4,560 |
| Total risk-based capital ratio | 13.2267% | 4,728 |
| Memoranda: | ||
| Average total assets | $31,979,600 | 7,563 |
| Average earning assets | $29,797,600 | 7,521 |
| Average equity | $2,882,000 | 7,871 |
| Average total loans | $20,908,400 | 7,269 |