Home > Bank of Caneyville > Performance and Condition Ratios
Bank of Caneyville, Performance and Condition Ratios
| 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 | 3.3267% | 5,175 |
| Cost of funding earning assets | 0.5160% | 1,969 |
| Net interest margin | 2.8107% | 5,341 |
| Noninterest income to average assets | 0.2315% | 5,087 |
| Noninterest expense to average assets | 2.0752% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8415% | 3,191 |
| Return on assets (ROA) | 0.8415% | 3,306 |
| Pretax return on assets | 0.8415% | 4,183 |
| Return on Equity (ROE) | 9.2163% | 2,392 |
| Retained earnings to average equity (ytd only) | 0.0597% | 5,327 |
| 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 | 71.1485% | 2,711 |
| Assets per employee ($millions) | 5.9821% | 1,445 |
| Cash dividends to net income (ytd only)* | 99.3519% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,990 |
| Loan loss allowance to noncurrent loans | 1,390.9091% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,417 |
| Noncurrent loans to loans | 0.0621% | 5,105 |
| Net loans and leases to total assets | 36.6801% | 5,521 |
| Net loans and leases to deposits | 40.5264% | 5,618 |
| Net loans and leases to core deposits | 42.2947% | 5,628 |
| Total domestic deposits to total assets | 90.5092% | 316 |
| Equity capital to assets | 9.3529% | 4,816 |
| Core capital (leverage) ratio | 9.2494% | 4,532 |
| Tier 1 risk-based capital ratio | 20.6176% | 1,337 |
| Total risk-based capital ratio | 21.3237% | 1,397 |
| Memoranda: | ||
| Average total assets | $48,958,500 | 5,420 |
| Average earning assets | $46,772,500 | 5,367 |
| Average equity | $4,470,250 | 5,622 |
| Average total loans | $17,428,250 | 5,652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 5,225 |
| Cost of funding earning assets | 0.5226% | 1,923 |
| Net interest margin | 2.8083% | 5,412 |
| Noninterest income to average assets | 0.2190% | 5,180 |
| Noninterest expense to average assets | 2.1611% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7380% | 3,617 |
| Return on assets (ROA) | 0.7380% | 3,778 |
| Pretax return on assets | 0.7380% | 4,503 |
| Return on Equity (ROE) | 8.1462% | 2,914 |
| Retained earnings to average equity (ytd only) | 0.0895% | 5,267 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 2,282 |
| Assets per employee ($millions) | 6.1361% | 1,311 |
| Cash dividends to net income (ytd only)* | 98.9011% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,026 |
| Loan loss allowance to noncurrent loans | 61.4458% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,522 |
| Noncurrent loans to loans | 1.4244% | 1,557 |
| Net loans and leases to total assets | 35.2992% | 5,638 |
| Net loans and leases to deposits | 38.8895% | 5,726 |
| Net loans and leases to core deposits | 40.5428% | 5,725 |
| Total domestic deposits to total assets | 90.7678% | 237 |
| Equity capital to assets | 9.1222% | 5,142 |
| Core capital (leverage) ratio | 9.2166% | 4,569 |
| Tier 1 risk-based capital ratio | 20.8649% | 1,284 |
| Total risk-based capital ratio | 21.5793% | 1,358 |
| Memoranda: | ||
| Average total assets | $49,325,670 | 5,476 |
| Average earning assets | $47,075,000 | 5,422 |
| Average equity | $4,468,330 | 5,682 |
| Average total loans | $17,335,330 | 5,724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2918% | 5,335 |
| Cost of funding earning assets | 0.5345% | 1,831 |
| Net interest margin | 2.7573% | 5,534 |
| Noninterest income to average assets | 0.2103% | 5,225 |
| Noninterest expense to average assets | 2.2328% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6067% | 4,149 |
| Return on assets (ROA) | 0.6067% | 4,269 |
| Pretax return on assets | 0.6067% | 4,802 |
| Return on Equity (ROE) | 6.7212% | 3,603 |
| Retained earnings to average equity (ytd only) | -2.2404% | 5,405 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6325% | 1,812 |
| Assets per employee ($millions) | 6.2354% | 1,251 |
| Cash dividends to net income (ytd only)* | 133.3333% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 5,121 |
| Loan loss allowance to noncurrent loans | 96.2264% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,292 |
| Noncurrent loans to loans | 0.9146% | 2,565 |
| Net loans and leases to total assets | 34.5428% | 5,695 |
| Net loans and leases to deposits | 37.9613% | 5,778 |
| Net loans and leases to core deposits | 39.5388% | 5,784 |
| Total domestic deposits to total assets | 90.9949% | 276 |
| Equity capital to assets | 8.9229% | 5,248 |
| Core capital (leverage) ratio | 8.8896% | 4,973 |
| Tier 1 risk-based capital ratio | 20.6002% | 1,384 |
| Total risk-based capital ratio | 21.3100% | 1,460 |
| Memoranda: | ||
| Average total assets | $49,444,000 | 5,522 |
| Average earning assets | $47,148,000 | 5,470 |
| Average equity | $4,463,500 | 5,729 |
| Average total loans | $17,262,500 | 5,780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 5,331 |
| Cost of funding earning assets | 0.6088% | 1,319 |
| Net interest margin | 2.7019% | 5,642 |
| Noninterest income to average assets | 0.2469% | 5,120 |
| Noninterest expense to average assets | 2.1395% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6904% | 3,862 |
| Return on assets (ROA) | 0.6904% | 3,968 |
| Pretax return on assets | 0.6904% | 4,553 |
| Return on Equity (ROE) | 7.8235% | 3,052 |
| Retained earnings to average equity (ytd only) | 1.6830% | 4,770 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6028% | 2,335 |
| Assets per employee ($millions) | 6.1256% | 1,303 |
| Cash dividends to net income (ytd only)* | 78.4884% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 5,107 |
| Loan loss allowance to noncurrent loans | 95.6250% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 4,279 |
| Noncurrent loans to loans | 0.9334% | 2,471 |
| Net loans and leases to total assets | 34.6659% | 5,754 |
| Net loans and leases to deposits | 38.1744% | 5,832 |
| Net loans and leases to core deposits | 39.7883% | 5,829 |
| Total domestic deposits to total assets | 90.8091% | 333 |
| Equity capital to assets | 9.1338% | 4,984 |
| Core capital (leverage) ratio | 9.1339% | 4,705 |
| Tier 1 risk-based capital ratio | 20.9752% | 1,306 |
| Total risk-based capital ratio | 21.6940% | 1,377 |
| Memoranda: | ||
| Average total assets | $49,824,200 | 5,547 |
| Average earning assets | $47,633,800 | 5,490 |
| Average equity | $4,397,000 | 5,785 |
| Average total loans | $16,411,400 | 5,852 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2560% | 5,493 |
| Cost of funding earning assets | 0.6244% | 1,248 |
| Net interest margin | 2.6316% | 5,801 |
| Noninterest income to average assets | 0.2345% | 5,251 |
| Noninterest expense to average assets | 1.9268% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8235% | 3,312 |
| Return on assets (ROA) | 0.8235% | 3,393 |
| Pretax return on assets | 0.8235% | 4,260 |
| Return on Equity (ROE) | 9.4121% | 2,347 |
| Retained earnings to average equity (ytd only) | 1.1880% | 5,245 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0581% | 3,206 |
| Assets per employee ($millions) | 6.2155% | 1,228 |
| Cash dividends to net income (ytd only)* | 87.3783% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 5,179 |
| Loan loss allowance to noncurrent loans | 250.8197% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 5,260 |
| Noncurrent loans to loans | 0.3618% | 4,316 |
| Net loans and leases to total assets | 33.6035% | 5,874 |
| Net loans and leases to deposits | 36.9243% | 5,958 |
| Net loans and leases to core deposits | 38.8175% | 5,949 |
| Total domestic deposits to total assets | 91.0064% | 243 |
| Equity capital to assets | 8.9313% | 5,369 |
| Core capital (leverage) ratio | 8.8705% | 5,153 |
| Tier 1 risk-based capital ratio | 21.0709% | 1,333 |
| Total risk-based capital ratio | 21.7985% | 1,393 |
| Memoranda: | ||
| Average total assets | $50,029,000 | 5,610 |
| Average earning assets | $47,828,500 | 5,552 |
| Average equity | $4,377,250 | 5,862 |
| Average total loans | $16,229,000 | 5,930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2413% | 5,553 |
| Cost of funding earning assets | 0.6299% | 1,229 |
| Net interest margin | 2.6114% | 5,873 |
| Noninterest income to average assets | 0.2154% | 5,406 |
| Noninterest expense to average assets | 1.9748% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7381% | 3,699 |
| Return on assets (ROA) | 0.7381% | 3,807 |
| Pretax return on assets | 0.7381% | 4,529 |
| Return on Equity (ROE) | 8.4940% | 2,796 |
| Retained earnings to average equity (ytd only) | -1.1478% | 5,712 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7941% | 2,880 |
| Assets per employee ($millions) | 6.2430% | 1,188 |
| Cash dividends to net income (ytd only)* | 113.5135% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 5,224 |
| Loan loss allowance to noncurrent loans | 97.4522% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,616 |
| Noncurrent loans to loans | 0.9438% | 2,764 |
| Net loans and leases to total assets | 32.9990% | 5,932 |
| Net loans and leases to deposits | 36.1894% | 6,030 |
| Net loans and leases to core deposits | 38.0369% | 6,024 |
| Total domestic deposits to total assets | 91.1841% | 259 |
| Equity capital to assets | 8.7518% | 5,483 |
| Core capital (leverage) ratio | 8.7601% | 5,268 |
| Tier 1 risk-based capital ratio | 21.3597% | 1,301 |
| Total risk-based capital ratio | 22.1081% | 1,362 |
| Memoranda: | ||
| Average total assets | $50,130,670 | 5,663 |
| Average earning assets | $47,943,670 | 5,609 |
| Average equity | $4,356,000 | 5,929 |
| Average total loans | $16,018,000 | 6,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 5,642 |
| Cost of funding earning assets | 0.6408% | 1,177 |
| Net interest margin | 2.5630% | 5,961 |
| Noninterest income to average assets | 0.2071% | 5,473 |
| Noninterest expense to average assets | 2.1105% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5495% | 4,482 |
| Return on assets (ROA) | 0.5495% | 4,597 |
| Pretax return on assets | 0.5495% | 5,047 |
| Return on Equity (ROE) | 6.3470% | 3,852 |
| Retained earnings to average equity (ytd only) | -8.3707% | 6,091 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3413% | 1,980 |
| Assets per employee ($millions) | 5.5852% | 1,724 |
| Cash dividends to net income (ytd only)* | 231.8841% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 5,188 |
| Loan loss allowance to noncurrent loans | 164.5161% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 5,206 |
| Noncurrent loans to loans | 0.5873% | 3,818 |
| Net loans and leases to total assets | 31.1954% | 6,027 |
| Net loans and leases to deposits | 34.1433% | 6,117 |
| Net loans and leases to core deposits | 35.8652% | 6,107 |
| Total domestic deposits to total assets | 91.3661% | 259 |
| Equity capital to assets | 8.5702% | 5,691 |
| Core capital (leverage) ratio | 8.5456% | 5,478 |
| Tier 1 risk-based capital ratio | 21.5449% | 1,313 |
| Total risk-based capital ratio | 22.3113% | 1,386 |
| Memoranda: | ||
| Average total assets | $50,224,000 | 5,718 |
| Average earning assets | $48,068,500 | 5,656 |
| Average equity | $4,348,500 | 5,983 |
| Average total loans | $15,710,000 | 6,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3349% | 5,648 |
| Cost of funding earning assets | 0.7201% | 1,005 |
| Net interest margin | 2.6147% | 6,047 |
| Noninterest income to average assets | 0.2184% | 5,545 |
| Noninterest expense to average assets | 2.0036% | 5,757 |
| Loan and lease loss provision to assets | 0.0501% | 3,560 |
| Net operating income to assets | 0.6672% | 4,051 |
| Return on assets (ROA) | 0.9136% | 2,902 |
| Pretax return on assets | 0.9136% | 3,857 |
| Return on Equity (ROE) | 10.5648% | 1,871 |
| Retained earnings to average equity (ytd only) | 1.7608% | 4,937 |
| Net charge-offs to loans | 0.0187% | 4,477 |
| Credit loss provision to net charge-offs | 833.3333% | 327 |
| Earnings coverage of net charge-offs (x) | 119.3333% | 443 |
| Efficiency ratio | 73.6377% | 2,894 |
| Assets per employee ($millions) | 5.5757% | 1,705 |
| Cash dividends to net income (ytd only)* | 83.3333% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 5,150 |
| Loan loss allowance to noncurrent loans | 104.7945% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 4,865 |
| Noncurrent loans to loans | 0.9367% | 2,977 |
| Net loans and leases to total assets | 30.7547% | 6,156 |
| Net loans and leases to deposits | 33.7673% | 6,225 |
| Net loans and leases to core deposits | 35.4725% | 6,210 |
| Total domestic deposits to total assets | 91.0783% | 342 |
| Equity capital to assets | 8.7463% | 5,539 |
| Core capital (leverage) ratio | 8.8308% | 5,213 |
| Tier 1 risk-based capital ratio | 20.1588% | 1,561 |
| Total risk-based capital ratio | 20.8611% | 1,645 |
| Memoranda: | ||
| Average total assets | $49,910,000 | 5,787 |
| Average earning assets | $47,768,200 | 5,728 |
| Average equity | $4,316,200 | 6,031 |
| Average total loans | $16,070,800 | 6,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,669 |
| Cost of funding earning assets | 0.7346% | 968 |
| Net interest margin | 2.6199% | 6,107 |
| Noninterest income to average assets | 0.2167% | 5,634 |
| Noninterest expense to average assets | 1.8511% | 6,029 |
| Loan and lease loss provision to assets | 0.0669% | 3,011 |
| Net operating income to assets | 0.8079% | 3,400 |
| Return on assets (ROA) | 1.1369% | 1,974 |
| Pretax return on assets | 1.1369% | 3,042 |
| Return on Equity (ROE) | 13.1840% | 1,174 |
| Retained earnings to average equity (ytd only) | 1.3960% | 5,344 |
| Net charge-offs to loans | 0.0247% | 4,015 |
| Credit loss provision to net charge-offs | 833.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 108.9975% | 552 |
| Efficiency ratio | 67.9097% | 3,871 |
| Assets per employee ($millions) | 6.2390% | 1,175 |
| Cash dividends to net income (ytd only)* | 89.4115% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 5,547 |
| Loan loss allowance to noncurrent loans | 157.7320% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 5,436 |
| Noncurrent loans to loans | 0.5822% | 4,178 |
| Net loans and leases to total assets | 33.0742% | 6,147 |
| Net loans and leases to deposits | 36.2781% | 6,234 |
| Net loans and leases to core deposits | 38.1115% | 6,231 |
| Total domestic deposits to total assets | 91.1685% | 316 |
| Equity capital to assets | 8.7234% | 5,625 |
| Core capital (leverage) ratio | 8.7343% | 5,403 |
| Tier 1 risk-based capital ratio | 19.4452% | 1,792 |
| Total risk-based capital ratio | 20.1276% | 1,910 |
| Memoranda: | ||
| Average total assets | $49,842,250 | 5,858 |
| Average earning assets | $47,736,500 | 5,797 |
| Average equity | $4,298,000 | 6,097 |
| Average total loans | $16,192,000 | 6,183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 5,712 |
| Cost of funding earning assets | 0.7427% | 954 |
| Net interest margin | 2.6098% | 6,160 |
| Noninterest income to average assets | 0.2128% | 5,679 |
| Noninterest expense to average assets | 1.8788% | 6,033 |
| Loan and lease loss provision to assets | 0.1004% | 2,347 |
| Net operating income to assets | 0.7306% | 3,673 |
| Return on assets (ROA) | 1.2044% | 1,640 |
| Pretax return on assets | 1.2044% | 2,652 |
| Return on Equity (ROE) | 14.0209% | 951 |
| Retained earnings to average equity (ytd only) | -0.4674% | 5,765 |
| Net charge-offs to loans | 0.0499% | 3,261 |
| Credit loss provision to net charge-offs | 625.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 51.7500% | 891 |
| Efficiency ratio | 69.3333% | 3,774 |
| Assets per employee ($millions) | 6.2548% | 1,136 |
| Cash dividends to net income (ytd only)* | 103.3333% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 5,605 |
| Loan loss allowance to noncurrent loans | 155.1020% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,539 |
| Noncurrent loans to loans | 0.6051% | 4,207 |
| Net loans and leases to total assets | 32.0656% | 6,238 |
| Net loans and leases to deposits | 35.1309% | 6,319 |
| Net loans and leases to core deposits | 37.5304% | 6,290 |
| Total domestic deposits to total assets | 91.2746% | 316 |
| Equity capital to assets | 8.6115% | 5,705 |
| Core capital (leverage) ratio | 8.5759% | 5,553 |
| Tier 1 risk-based capital ratio | 19.6074% | 1,782 |
| Total risk-based capital ratio | 20.2997% | 1,873 |
| Memoranda: | ||
| Average total assets | $49,819,000 | 5,913 |
| Average earning assets | $47,666,000 | 5,844 |
| Average equity | $4,279,330 | 6,143 |
| Average total loans | $16,035,670 | 6,241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,725 |
| Cost of funding earning assets | 0.7499% | 971 |
| Net interest margin | 2.6121% | 6,221 |
| Noninterest income to average assets | 0.2092% | 5,687 |
| Noninterest expense to average assets | 2.0036% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7001% | 3,689 |
| Return on assets (ROA) | 0.7001% | 3,767 |
| Pretax return on assets | 0.7001% | 4,488 |
| Return on Equity (ROE) | 8.1604% | 2,861 |
| Retained earnings to average equity (ytd only) | -8.7232% | 6,316 |
| Net charge-offs to loans | 0.1003% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,281 |
| Efficiency ratio | 74.1071% | 3,122 |
| Assets per employee ($millions) | 6.2531% | 1,150 |
| Cash dividends to net income (ytd only)* | 206.8966% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 6,092 |
| Loan loss allowance to noncurrent loans | 90.0709% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 5,317 |
| Noncurrent loans to loans | 0.8939% | 3,648 |
| Net loans and leases to total assets | 31.2764% | 6,294 |
| Net loans and leases to deposits | 34.2026% | 6,366 |
| Net loans and leases to core deposits | 36.5288% | 6,352 |
| Total domestic deposits to total assets | 91.4443% | 397 |
| Equity capital to assets | 8.4458% | 5,698 |
| Core capital (leverage) ratio | 8.4374% | 5,713 |
| Tier 1 risk-based capital ratio | 19.6601% | 1,800 |
| Total risk-based capital ratio | 20.2514% | 1,933 |
| Memoranda: | ||
| Average total assets | $49,709,500 | 5,971 |
| Average earning assets | $47,472,000 | 5,904 |
| Average equity | $4,264,500 | 6,195 |
| Average total loans | $15,955,000 | 6,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 5,718 |
| Cost of funding earning assets | 0.8956% | 755 |
| Net interest margin | 2.5616% | 6,313 |
| Noninterest income to average assets | 0.2002% | 5,885 |
| Noninterest expense to average assets | 1.9479% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6938% | 3,822 |
| Return on assets (ROA) | 0.6938% | 3,917 |
| Pretax return on assets | 0.6938% | 4,565 |
| Return on Equity (ROE) | 8.0900% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.3728% | 3,826 |
| Net charge-offs to loans | 0.0423% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 808 |
| Efficiency ratio | 73.7366% | 3,174 |
| Assets per employee ($millions) | 6.1743% | 1,161 |
| Cash dividends to net income (ytd only)* | 58.3090% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 6,143 |
| Loan loss allowance to noncurrent loans | 36.1878% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 4,051 |
| Noncurrent loans to loans | 2.2433% | 1,731 |
| Net loans and leases to total assets | 32.4047% | 6,368 |
| Net loans and leases to deposits | 35.5460% | 6,440 |
| Net loans and leases to core deposits | 37.9937% | 6,415 |
| Total domestic deposits to total assets | 91.1629% | 513 |
| Equity capital to assets | 8.7136% | 5,351 |
| Core capital (leverage) ratio | 8.8292% | 5,235 |
| Tier 1 risk-based capital ratio | 19.8400% | 1,689 |
| Total risk-based capital ratio | 20.4423% | 1,828 |
| Memoranda: | ||
| Average total assets | $49,439,000 | 6,028 |
| Average earning assets | $47,119,800 | 5,961 |
| Average equity | $4,239,800 | 6,276 |
| Average total loans | $16,553,400 | 6,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,789 |
| Cost of funding earning assets | 0.9216% | 735 |
| Net interest margin | 2.5245% | 6,407 |
| Noninterest income to average assets | 0.1968% | 5,997 |
| Noninterest expense to average assets | 1.7472% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8574% | 3,058 |
| Return on assets (ROA) | 0.8574% | 3,172 |
| Pretax return on assets | 0.8574% | 4,062 |
| Return on Equity (ROE) | 10.0382% | 2,162 |
| Retained earnings to average equity (ytd only) | 3.7249% | 4,043 |
| Net charge-offs to loans | 0.0641% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 39.7366% | 1,006 |
| Efficiency ratio | 67.0807% | 4,288 |
| Assets per employee ($millions) | 6.1461% | 1,138 |
| Cash dividends to net income (ytd only)* | 62.8930% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,291 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 6,018 |
| Noncurrent loans to loans | 0.4292% | 5,127 |
| Net loans and leases to total assets | 32.9089% | 6,413 |
| Net loans and leases to deposits | 36.0909% | 6,505 |
| Net loans and leases to core deposits | 38.5804% | 6,487 |
| Total domestic deposits to total assets | 91.1835% | 464 |
| Equity capital to assets | 8.7250% | 5,490 |
| Core capital (leverage) ratio | 8.8217% | 5,380 |
| Tier 1 risk-based capital ratio | 20.2206% | 1,676 |
| Total risk-based capital ratio | 20.8333% | 1,808 |
| Memoranda: | ||
| Average total assets | $49,450,250 | 6,095 |
| Average earning assets | $47,163,750 | 6,027 |
| Average equity | $4,223,750 | 6,349 |
| Average total loans | $16,657,500 | 6,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 5,789 |
| Cost of funding earning assets | 0.9371% | 752 |
| Net interest margin | 2.5145% | 6,435 |
| Noninterest income to average assets | 0.1857% | 6,097 |
| Noninterest expense to average assets | 1.7641% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8154% | 3,217 |
| Return on assets (ROA) | 0.8154% | 3,372 |
| Pretax return on assets | 0.8154% | 4,251 |
| Return on Equity (ROE) | 9.6152% | 2,361 |
| Retained earnings to average equity (ytd only) | 2.7132% | 4,587 |
| Net charge-offs to loans | 0.0954% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,268 |
| Efficiency ratio | 68.3881% | 4,113 |
| Assets per employee ($millions) | 6.1760% | 1,087 |
| Cash dividends to net income (ytd only)* | 71.7822% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 6,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 33.3691% | 6,446 |
| Net loans and leases to deposits | 36.5363% | 6,540 |
| Net loans and leases to core deposits | 39.0428% | 6,507 |
| Total domestic deposits to total assets | 91.3314% | 432 |
| Equity capital to assets | 8.5593% | 5,705 |
| Core capital (leverage) ratio | 8.5334% | 5,628 |
| Tier 1 risk-based capital ratio | 19.1566% | 1,950 |
| Total risk-based capital ratio | 19.7454% | 2,103 |
| Memoranda: | ||
| Average total assets | $49,544,000 | 6,135 |
| Average earning assets | $47,166,330 | 6,067 |
| Average equity | $4,201,670 | 6,406 |
| Average total loans | $16,773,000 | 6,438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 5,876 |
| Cost of funding earning assets | 0.9483% | 789 |
| Net interest margin | 2.4809% | 6,528 |
| Noninterest income to average assets | 0.1774% | 6,201 |
| Noninterest expense to average assets | 1.8786% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6611% | 3,896 |
| Return on assets (ROA) | 0.6611% | 4,056 |
| Pretax return on assets | 0.6611% | 4,749 |
| Return on Equity (ROE) | 7.8319% | 3,064 |
| Retained earnings to average equity (ytd only) | 3.0564% | 4,448 |
| Net charge-offs to loans | 0.1899% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,761 |
| Efficiency ratio | 73.9683% | 3,269 |
| Assets per employee ($millions) | 6.2549% | 1,104 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 6,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.1913% | 6,409 |
| Net loans and leases to deposits | 37.3681% | 6,528 |
| Net loans and leases to core deposits | 39.8820% | 6,487 |
| Total domestic deposits to total assets | 91.4986% | 357 |
| Equity capital to assets | 8.4014% | 6,100 |
| Core capital (leverage) ratio | 8.4242% | 5,673 |
| Tier 1 risk-based capital ratio | 19.0796% | 2,022 |
| Total risk-based capital ratio | 19.6696% | 2,190 |
| Memoranda: | ||
| Average total assets | $49,612,000 | 6,193 |
| Average earning assets | $47,241,000 | 6,118 |
| Average equity | $4,188,000 | 6,472 |
| Average total loans | $16,851,000 | 6,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 5,891 |
| Cost of funding earning assets | 1.0380% | 1,176 |
| Net interest margin | 2.7366% | 6,473 |
| Noninterest income to average assets | 0.2378% | 5,742 |
| Noninterest expense to average assets | 2.0545% | 6,225 |
| Loan and lease loss provision to assets | 0.1585% | 3,632 |
| Net operating income to assets | 0.6257% | 4,110 |
| Return on assets (ROA) | 0.6257% | 4,375 |
| Pretax return on assets | 0.6257% | 4,909 |
| Return on Equity (ROE) | 7.1991% | 3,529 |
| Retained earnings to average equity (ytd only) | 0.7199% | 5,509 |
| Net charge-offs to loans | 0.5478% | 2,093 |
| Credit loss provision to net charge-offs | 81.7204% | 3,773 |
| Earnings coverage of net charge-offs (x) | 4.0430% | 3,498 |
| Efficiency ratio | 72.3733% | 3,348 |
| Assets per employee ($millions) | 5.4650% | 1,716 |
| Cash dividends to net income (ytd only)* | 90.0000% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,413 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,671 |
| Noncurrent loans to loans | 0.0243% | 6,464 |
| Net loans and leases to total assets | 33.1910% | 6,585 |
| Net loans and leases to deposits | 36.3133% | 6,676 |
| Net loans and leases to core deposits | 38.3333% | 6,659 |
| Total domestic deposits to total assets | 91.4019% | 365 |
| Equity capital to assets | 8.4823% | 6,066 |
| Core capital (leverage) ratio | 8.6061% | 5,452 |
| Tier 1 risk-based capital ratio | 19.2134% | 1,890 |
| Total risk-based capital ratio | 19.8489% | 2,036 |
| Memoranda: | ||
| Average total assets | $47,942,600 | 6,265 |
| Average earning assets | $45,566,800 | 6,187 |
| Average equity | $4,167,200 | 6,527 |
| Average total loans | $16,976,400 | 6,555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 5,906 |
| Cost of funding earning assets | 1.0524% | 1,269 |
| Net interest margin | 2.7946% | 6,507 |
| Noninterest income to average assets | 0.2379% | 5,851 |
| Noninterest expense to average assets | 1.8726% | 6,571 |
| Loan and lease loss provision to assets | 0.1260% | 3,977 |
| Net operating income to assets | 0.8929% | 3,015 |
| Return on assets (ROA) | 0.8929% | 3,252 |
| Pretax return on assets | 0.8929% | 4,136 |
| Return on Equity (ROE) | 10.2093% | 2,248 |
| Retained earnings to average equity (ytd only) | 1.5682% | 5,552 |
| Net charge-offs to loans | 0.5300% | 2,021 |
| Credit loss provision to net charge-offs | 66.1765% | 4,001 |
| Earnings coverage of net charge-offs (x) | 5.3532% | 3,045 |
| Efficiency ratio | 64.7628% | 4,666 |
| Assets per employee ($millions) | 5.2603% | 1,870 |
| Cash dividends to net income (ytd only)* | 84.6398% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 6,635 |
| Loan loss allowance to noncurrent loans | 306.9767% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 6,507 |
| Noncurrent loans to loans | 0.2546% | 5,979 |
| Net loans and leases to total assets | 35.3885% | 6,588 |
| Net loans and leases to deposits | 38.8724% | 6,721 |
| Net loans and leases to core deposits | 41.1282% | 6,697 |
| Total domestic deposits to total assets | 91.0377% | 402 |
| Equity capital to assets | 8.8524% | 5,977 |
| Core capital (leverage) ratio | 8.8612% | 5,250 |
| Tier 1 risk-based capital ratio | 19.4849% | 1,883 |
| Total risk-based capital ratio | 20.0986% | 2,025 |
| Memoranda: | ||
| Average total assets | $47,632,000 | 6,351 |
| Average earning assets | $45,228,500 | 6,269 |
| Average equity | $4,166,000 | 6,607 |
| Average total loans | $17,104,750 | 6,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 5,911 |
| Cost of funding earning assets | 1.0539% | 1,447 |
| Net interest margin | 2.8487% | 6,499 |
| Noninterest income to average assets | 0.2263% | 5,947 |
| Noninterest expense to average assets | 1.8982% | 6,598 |
| Loan and lease loss provision to assets | 0.1048% | 4,216 |
| Net operating income to assets | 0.9303% | 2,761 |
| Return on assets (ROA) | 0.9303% | 3,023 |
| Pretax return on assets | 0.9303% | 3,962 |
| Return on Equity (ROE) | 10.6791% | 2,102 |
| Retained earnings to average equity (ytd only) | 0.5772% | 5,832 |
| Net charge-offs to loans | 0.3493% | 2,620 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 8.2333% | 2,333 |
| Efficiency ratio | 64.7143% | 4,761 |
| Assets per employee ($millions) | 5.3369% | 1,783 |
| Cash dividends to net income (ytd only)* | 94.5946% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,472 |
| Loan loss allowance to noncurrent loans | 555.5556% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,680 |
| Noncurrent loans to loans | 0.1610% | 6,262 |
| Net loans and leases to total assets | 34.5936% | 6,692 |
| Net loans and leases to deposits | 38.0446% | 6,802 |
| Net loans and leases to core deposits | 40.4745% | 6,791 |
| Total domestic deposits to total assets | 90.9290% | 472 |
| Equity capital to assets | 8.6484% | 6,077 |
| Core capital (leverage) ratio | 8.6733% | 5,413 |
| Tier 1 risk-based capital ratio | 19.2672% | 1,905 |
| Total risk-based capital ratio | 19.9629% | 2,025 |
| Memoranda: | ||
| Average total assets | $47,728,330 | 6,390 |
| Average earning assets | $45,354,670 | 6,305 |
| Average equity | $4,157,670 | 6,640 |
| Average total loans | $17,177,670 | 6,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 6,001 |
| Cost of funding earning assets | 1.0630% | 1,604 |
| Net interest margin | 2.8435% | 6,565 |
| Noninterest income to average assets | 0.2270% | 5,997 |
| Noninterest expense to average assets | 2.0430% | 6,387 |
| Loan and lease loss provision to assets | 0.1682% | 3,291 |
| Net operating income to assets | 0.7146% | 3,809 |
| Return on assets (ROA) | 0.7146% | 4,029 |
| Pretax return on assets | 0.7146% | 4,746 |
| Return on Equity (ROE) | 8.1741% | 3,207 |
| Retained earnings to average equity (ytd only) | 3.3658% | 4,552 |
| Net charge-offs to loans | 0.6443% | 1,516 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,764 |
| Efficiency ratio | 69.8276% | 3,848 |
| Assets per employee ($millions) | 5.3139% | 1,872 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 6,628 |
| Loan loss allowance to noncurrent loans | 253.4483% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 6,587 |
| Noncurrent loans to loans | 0.3377% | 5,995 |
| Net loans and leases to total assets | 35.6027% | 6,648 |
| Net loans and leases to deposits | 39.0581% | 6,779 |
| Net loans and leases to core deposits | 41.5475% | 6,767 |
| Total domestic deposits to total assets | 91.1532% | 491 |
| Equity capital to assets | 8.7339% | 5,833 |
| Core capital (leverage) ratio | 8.8906% | 5,003 |
| Tier 1 risk-based capital ratio | 19.5635% | 1,821 |
| Total risk-based capital ratio | 20.2520% | 1,948 |
| Memoranda: | ||
| Average total assets | $47,576,500 | 6,447 |
| Average earning assets | $45,156,000 | 6,358 |
| Average equity | $4,159,500 | 6,679 |
| Average total loans | $17,383,500 | 6,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 5,823 |
| Cost of funding earning assets | 1.2137% | 1,938 |
| Net interest margin | 3.0645% | 6,417 |
| Noninterest income to average assets | 0.2457% | 5,780 |
| Noninterest expense to average assets | 2.4021% | 5,768 |
| Loan and lease loss provision to assets | 0.0332% | 6,149 |
| Net operating income to assets | 0.7173% | 3,405 |
| Return on assets (ROA) | 0.7173% | 3,578 |
| Pretax return on assets | 0.7173% | 4,259 |
| Return on Equity (ROE) | 7.9210% | 2,953 |
| Retained earnings to average equity (ytd only) | 2.6648% | 4,335 |
| Net charge-offs to loans | 0.1512% | 4,931 |
| Credit loss provision to net charge-offs | 57.6923% | 5,232 |
| Earnings coverage of net charge-offs (x) | 13.0385% | 1,575 |
| Efficiency ratio | 76.1938% | 2,862 |
| Assets per employee ($millions) | 5.2587% | 1,876 |
| Cash dividends to net income (ytd only)* | 66.3580% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,576 |
| Loan loss allowance to noncurrent loans | 738.0952% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,853 |
| Noncurrent loans to loans | 0.1194% | 6,516 |
| Net loans and leases to total assets | 36.8450% | 6,712 |
| Net loans and leases to deposits | 40.4369% | 6,858 |
| Net loans and leases to core deposits | 43.0260% | 6,854 |
| Total domestic deposits to total assets | 91.1173% | 458 |
| Equity capital to assets | 8.7517% | 5,849 |
| Core capital (leverage) ratio | 8.9125% | 4,912 |
| Tier 1 risk-based capital ratio | 18.8444% | 1,946 |
| Total risk-based capital ratio | 19.5496% | 2,070 |
| Memoranda: | ||
| Average total assets | $45,168,200 | 6,504 |
| Average earning assets | $42,844,800 | 6,429 |
| Average equity | $4,090,400 | 6,727 |
| Average total loans | $17,195,000 | 6,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 5,850 |
| Cost of funding earning assets | 1.2396% | 2,066 |
| Net interest margin | 3.0895% | 6,407 |
| Noninterest income to average assets | 0.2390% | 5,915 |
| Noninterest expense to average assets | 2.1899% | 6,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9829% | 2,383 |
| Return on assets (ROA) | 0.9829% | 2,541 |
| Pretax return on assets | 0.9829% | 3,463 |
| Return on Equity (ROE) | 10.7581% | 1,941 |
| Retained earnings to average equity (ytd only) | 3.7278% | 4,095 |
| Net charge-offs to loans | 0.1794% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 14.3026% | 1,541 |
| Efficiency ratio | 69.0207% | 4,122 |
| Assets per employee ($millions) | 4.5287% | 2,868 |
| Cash dividends to net income (ytd only)* | 65.3490% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 6,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.8368% | 6,720 |
| Net loans and leases to deposits | 42.8078% | 6,883 |
| Net loans and leases to core deposits | 45.6831% | 6,859 |
| Total domestic deposits to total assets | 90.7236% | 542 |
| Equity capital to assets | 9.1572% | 5,577 |
| Core capital (leverage) ratio | 9.3783% | 4,336 |
| Tier 1 risk-based capital ratio | 19.4212% | 1,837 |
| Total risk-based capital ratio | 20.0909% | 1,944 |
| Memoranda: | ||
| Average total assets | $44,628,250 | 6,567 |
| Average earning assets | $42,379,250 | 6,504 |
| Average equity | $4,077,500 | 6,780 |
| Average total loans | $17,095,500 | 6,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 5,783 |
| Cost of funding earning assets | 1.2736% | 2,096 |
| Net interest margin | 3.0984% | 6,412 |
| Noninterest income to average assets | 0.2342% | 5,969 |
| Noninterest expense to average assets | 2.2563% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9142% | 2,574 |
| Return on assets (ROA) | 0.9142% | 2,675 |
| Pretax return on assets | 0.9142% | 3,568 |
| Return on Equity (ROE) | 10.0140% | 2,106 |
| Retained earnings to average equity (ytd only) | 1.3812% | 5,301 |
| Net charge-offs to loans | 0.0118% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 183 |
| Efficiency ratio | 71.1648% | 3,907 |
| Assets per employee ($millions) | 4.4631% | 2,901 |
| Cash dividends to net income (ytd only)* | 86.2069% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,449 |
| Loan loss allowance to noncurrent loans | 515.6250% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,807 |
| Noncurrent loans to loans | 0.1881% | 6,527 |
| Net loans and leases to total assets | 37.7518% | 6,876 |
| Net loans and leases to deposits | 41.5973% | 7,005 |
| Net loans and leases to core deposits | 44.4424% | 6,994 |
| Total domestic deposits to total assets | 90.7553% | 606 |
| Equity capital to assets | 9.0991% | 5,438 |
| Core capital (leverage) ratio | 9.1197% | 4,532 |
| Tier 1 risk-based capital ratio | 19.4028% | 1,738 |
| Total risk-based capital ratio | 20.1911% | 1,826 |
| Memoranda: | ||
| Average total assets | $44,408,670 | 6,633 |
| Average earning assets | $42,085,670 | 6,568 |
| Average equity | $4,054,330 | 6,835 |
| Average total loans | $16,883,670 | 6,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 5,808 |
| Cost of funding earning assets | 1.2866% | 2,264 |
| Net interest margin | 3.0783% | 6,402 |
| Noninterest income to average assets | 0.2167% | 6,181 |
| Noninterest expense to average assets | 2.4019% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7314% | 3,371 |
| Return on assets (ROA) | 0.7314% | 3,438 |
| Pretax return on assets | 0.7314% | 4,184 |
| Return on Equity (ROE) | 7.9980% | 2,917 |
| Retained earnings to average equity (ytd only) | 3.5547% | 4,054 |
| Net charge-offs to loans | 0.0238% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 76.6571% | 3,041 |
| Assets per employee ($millions) | 4.4706% | 2,945 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,463 |
| Loan loss allowance to noncurrent loans | 1,269.2308% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 7,097 |
| Noncurrent loans to loans | 0.0772% | 6,846 |
| Net loans and leases to total assets | 37.2881% | 6,944 |
| Net loans and leases to deposits | 41.2053% | 7,057 |
| Net loans and leases to core deposits | 44.0155% | 7,038 |
| Total domestic deposits to total assets | 90.4934% | 843 |
| Equity capital to assets | 9.1017% | 5,046 |
| Core capital (leverage) ratio | 9.2057% | 4,280 |
| Tier 1 risk-based capital ratio | 19.6770% | 1,654 |
| Total risk-based capital ratio | 20.4749% | 1,719 |
| Memoranda: | ||
| Average total assets | $44,297,500 | 6,683 |
| Average earning assets | $41,971,000 | 6,614 |
| Average equity | $4,051,000 | 6,871 |
| Average total loans | $16,818,500 | 7,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 6,232 |
| Cost of funding earning assets | 1.4866% | 2,724 |
| Net interest margin | 3.0697% | 6,597 |
| Noninterest income to average assets | 0.2704% | 5,852 |
| Noninterest expense to average assets | 2.4291% | 6,016 |
| Loan and lease loss provision to assets | 0.0848% | 6,304 |
| Net operating income to assets | 0.6714% | 3,336 |
| Return on assets (ROA) | 0.6714% | 3,480 |
| Pretax return on assets | 0.6714% | 4,089 |
| Return on Equity (ROE) | 7.2831% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.1931% | 4,949 |
| Net charge-offs to loans | 0.2207% | 4,966 |
| Credit loss provision to net charge-offs | 105.7143% | 4,237 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 1,821 |
| Efficiency ratio | 76.2590% | 3,016 |
| Assets per employee ($millions) | 4.3889% | 3,053 |
| Cash dividends to net income (ytd only)* | 83.6177% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,437 |
| Loan loss allowance to noncurrent loans | 1,383.3333% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 7,175 |
| Noncurrent loans to loans | 0.0714% | 6,949 |
| Net loans and leases to total assets | 37.9047% | 7,075 |
| Net loans and leases to deposits | 41.8106% | 7,190 |
| Net loans and leases to core deposits | 44.6904% | 7,178 |
| Total domestic deposits to total assets | 90.6583% | 765 |
| Equity capital to assets | 9.1891% | 4,856 |
| Core capital (leverage) ratio | 9.1582% | 4,248 |
| Tier 1 risk-based capital ratio | 19.6895% | 1,556 |
| Total risk-based capital ratio | 20.4999% | 1,629 |
| Memoranda: | ||
| Average total assets | $43,637,400 | 6,747 |
| Average earning assets | $41,437,800 | 6,660 |
| Average equity | $4,023,000 | 6,994 |
| Average total loans | $15,857,600 | 7,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 6,436 |
| Cost of funding earning assets | 1.5262% | 2,797 |
| Net interest margin | 3.0364% | 6,758 |
| Noninterest income to average assets | 0.2693% | 5,964 |
| Noninterest expense to average assets | 2.1664% | 6,696 |
| Loan and lease loss provision to assets | 0.0612% | 6,451 |
| Net operating income to assets | 0.9271% | 2,507 |
| Return on assets (ROA) | 0.9271% | 2,642 |
| Pretax return on assets | 0.9271% | 3,462 |
| Return on Equity (ROE) | 10.0483% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.7524% | 4,506 |
| Net charge-offs to loans | 0.2475% | 4,454 |
| Credit loss provision to net charge-offs | 68.9655% | 5,447 |
| Earnings coverage of net charge-offs (x) | 11.1368% | 1,816 |
| Efficiency ratio | 68.6712% | 4,341 |
| Assets per employee ($millions) | 4.3852% | 3,100 |
| Cash dividends to net income (ytd only)* | 72.6082% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 6,624 |
| Loan loss allowance to noncurrent loans | 911.7647% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 7,256 |
| Noncurrent loans to loans | 0.1028% | 6,980 |
| Net loans and leases to total assets | 37.3484% | 7,211 |
| Net loans and leases to deposits | 41.2336% | 7,331 |
| Net loans and leases to core deposits | 43.4810% | 7,341 |
| Total domestic deposits to total assets | 90.5774% | 605 |
| Equity capital to assets | 9.2789% | 5,175 |
| Core capital (leverage) ratio | 9.3678% | 4,105 |
| Tier 1 risk-based capital ratio | 20.5339% | 1,438 |
| Total risk-based capital ratio | 21.3161% | 1,503 |
| Memoranda: | ||
| Average total assets | $43,574,500 | 6,834 |
| Average earning assets | $41,408,000 | 6,744 |
| Average equity | $4,020,500 | 7,085 |
| Average total loans | $15,621,500 | 7,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 6,546 |
| Cost of funding earning assets | 1.5845% | 2,749 |
| Net interest margin | 2.9807% | 6,865 |
| Noninterest income to average assets | 0.2760% | 5,941 |
| Noninterest expense to average assets | 2.1986% | 6,653 |
| Loan and lease loss provision to assets | 0.0920% | 5,997 |
| Net operating income to assets | 0.8233% | 2,858 |
| Return on assets (ROA) | 0.8233% | 3,007 |
| Pretax return on assets | 0.8233% | 3,804 |
| Return on Equity (ROE) | 8.9403% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.1976% | 4,746 |
| Net charge-offs to loans | 0.1175% | 5,003 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,145 |
| Efficiency ratio | 70.6056% | 4,058 |
| Assets per employee ($millions) | 4.3797% | 3,079 |
| Cash dividends to net income (ytd only)* | 75.4190% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,906 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,502 |
| Noncurrent loans to loans | 0.8858% | 5,497 |
| Net loans and leases to total assets | 35.6874% | 7,362 |
| Net loans and leases to deposits | 39.3772% | 7,453 |
| Net loans and leases to core deposits | 40.4357% | 7,481 |
| Total domestic deposits to total assets | 90.6295% | 631 |
| Equity capital to assets | 9.2015% | 5,144 |
| Core capital (leverage) ratio | 9.3234% | 4,075 |
| Tier 1 risk-based capital ratio | 20.9516% | 1,349 |
| Total risk-based capital ratio | 21.8617% | 1,377 |
| Memoranda: | ||
| Average total assets | $43,482,000 | 6,878 |
| Average earning assets | $41,400,000 | 6,798 |
| Average equity | $4,004,330 | 7,122 |
| Average total loans | $15,317,670 | 7,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 6,681 |
| Cost of funding earning assets | 1.6129% | 2,878 |
| Net interest margin | 2.9361% | 6,959 |
| Noninterest income to average assets | 0.2585% | 6,085 |
| Noninterest expense to average assets | 2.2620% | 6,510 |
| Loan and lease loss provision to assets | 0.1847% | 4,660 |
| Net operating income to assets | 0.6186% | 3,812 |
| Return on assets (ROA) | 0.6186% | 3,948 |
| Pretax return on assets | 0.6186% | 4,533 |
| Return on Equity (ROE) | 6.7143% | 3,500 |
| Retained earnings to average equity (ytd only) | 3.7079% | 3,930 |
| Net charge-offs to loans | 0.1061% | 4,364 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,112 |
| Efficiency ratio | 73.7952% | 3,604 |
| Assets per employee ($millions) | 4.3377% | 3,227 |
| Cash dividends to net income (ytd only)* | 44.7761% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,565 |
| Loan loss allowance to noncurrent loans | 214.2857% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 6,984 |
| Noncurrent loans to loans | 0.5538% | 6,188 |
| Net loans and leases to total assets | 34.5506% | 7,476 |
| Net loans and leases to deposits | 38.1329% | 7,575 |
| Net loans and leases to core deposits | 39.1663% | 7,596 |
| Total domestic deposits to total assets | 90.6056% | 690 |
| Equity capital to assets | 9.2376% | 4,936 |
| Core capital (leverage) ratio | 9.3474% | 3,977 |
| Tier 1 risk-based capital ratio | 21.7629% | 1,230 |
| Total risk-based capital ratio | 22.7369% | 1,249 |
| Memoranda: | ||
| Average total assets | $43,324,500 | 6,976 |
| Average earning assets | $41,415,000 | 6,880 |
| Average equity | $3,991,500 | 7,194 |
| Average total loans | $15,074,000 | 7,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 6,821 |
| Cost of funding earning assets | 1.8902% | 3,515 |
| Net interest margin | 2.9667% | 6,723 |
| Noninterest income to average assets | 0.2742% | 6,149 |
| Noninterest expense to average assets | 2.4422% | 6,331 |
| Loan and lease loss provision to assets | 0.0426% | 7,127 |
| Net operating income to assets | 0.6431% | 3,164 |
| Return on assets (ROA) | 0.6431% | 3,221 |
| Pretax return on assets | 0.6431% | 3,768 |
| Return on Equity (ROE) | 6.7929% | 2,876 |
| Retained earnings to average equity (ytd only) | 1.2986% | 4,136 |
| Net charge-offs to loans | 0.1755% | 5,546 |
| Credit loss provision to net charge-offs | 69.2308% | 6,504 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 1,622 |
| Efficiency ratio | 78.0801% | 3,180 |
| Assets per employee ($millions) | 4.8080% | 2,474 |
| Cash dividends to net income (ytd only)* | 80.8824% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,921 |
| Loan loss allowance to noncurrent loans | 192.9412% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 6,975 |
| Noncurrent loans to loans | 0.5674% | 6,107 |
| Net loans and leases to total assets | 34.2415% | 7,586 |
| Net loans and leases to deposits | 37.7850% | 7,686 |
| Net loans and leases to core deposits | 42.8981% | 7,721 |
| Total domestic deposits to total assets | 90.6221% | 685 |
| Equity capital to assets | 9.1884% | 4,863 |
| Core capital (leverage) ratio | 9.3525% | 3,896 |
| Tier 1 risk-based capital ratio | 21.8692% | 1,167 |
| Total risk-based capital ratio | 22.7692% | 1,186 |
| Memoranda: | ||
| Average total assets | $42,297,800 | 7,018 |
| Average earning assets | $40,684,600 | 6,922 |
| Average equity | $4,004,200 | 7,291 |
| Average total loans | $14,812,400 | 7,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 6,801 |
| Cost of funding earning assets | 1.9411% | 3,659 |
| Net interest margin | 2.9956% | 6,625 |
| Noninterest income to average assets | 0.2790% | 6,240 |
| Noninterest expense to average assets | 2.2066% | 6,955 |
| Loan and lease loss provision to assets | 0.0159% | 7,181 |
| Net operating income to assets | 0.9385% | 2,276 |
| Return on assets (ROA) | 0.9385% | 2,341 |
| Pretax return on assets | 0.9385% | 3,104 |
| Return on Equity (ROE) | 9.8388% | 1,980 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,526 |
| Net charge-offs to loans | 0.2076% | 4,741 |
| Credit loss provision to net charge-offs | 21.7391% | 6,557 |
| Earnings coverage of net charge-offs (x) | 13.0851% | 1,703 |
| Efficiency ratio | 69.8094% | 4,629 |
| Assets per employee ($millions) | 4.6980% | 2,563 |
| Cash dividends to net income (ytd only)* | 67.5670% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,146 |
| Loan loss allowance to noncurrent loans | 167.3913% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,976 |
| Noncurrent loans to loans | 0.6112% | 6,081 |
| Net loans and leases to total assets | 35.2372% | 7,643 |
| Net loans and leases to deposits | 39.0404% | 7,760 |
| Net loans and leases to core deposits | 44.3238% | 7,794 |
| Total domestic deposits to total assets | 90.2583% | 682 |
| Equity capital to assets | 9.5620% | 4,661 |
| Core capital (leverage) ratio | 9.6105% | 3,775 |
| Tier 1 risk-based capital ratio | 22.7306% | 1,141 |
| Total risk-based capital ratio | 23.5994% | 1,165 |
| Memoranda: | ||
| Average total assets | $42,054,250 | 7,075 |
| Average earning assets | $40,457,750 | 6,981 |
| Average equity | $4,011,250 | 7,351 |
| Average total loans | $14,770,250 | 7,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 6,715 |
| Cost of funding earning assets | 1.9615% | 3,954 |
| Net interest margin | 3.0535% | 6,387 |
| Noninterest income to average assets | 0.2668% | 6,363 |
| Noninterest expense to average assets | 2.2774% | 6,825 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9338% | 2,331 |
| Return on assets (ROA) | 0.9338% | 2,424 |
| Pretax return on assets | 0.9338% | 3,232 |
| Return on Equity (ROE) | 9.7984% | 2,095 |
| Retained earnings to average equity (ytd only) | -0.2000% | 5,270 |
| Net charge-offs to loans | 0.1635% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,537 |
| Efficiency ratio | 70.9199% | 4,603 |
| Assets per employee ($millions) | 4.2141% | 3,268 |
| Cash dividends to net income (ytd only)* | 102.0408% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,671 |
| Loan loss allowance to noncurrent loans | 301.8868% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 7,247 |
| Noncurrent loans to loans | 0.3609% | 6,607 |
| Net loans and leases to total assets | 34.4700% | 7,755 |
| Net loans and leases to deposits | 38.1380% | 7,859 |
| Net loans and leases to core deposits | 43.1435% | 7,889 |
| Total domestic deposits to total assets | 90.3823% | 675 |
| Equity capital to assets | 9.3638% | 4,791 |
| Core capital (leverage) ratio | 9.2936% | 4,171 |
| Tier 1 risk-based capital ratio | 22.7668% | 1,164 |
| Total risk-based capital ratio | 23.6937% | 1,162 |
| Memoranda: | ||
| Average total assets | $41,978,330 | 7,133 |
| Average earning assets | $40,478,330 | 7,034 |
| Average equity | $4,000,670 | 7,414 |
| Average total loans | $14,676,000 | 7,610 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 6,505 |
| Cost of funding earning assets | 1.9630% | 4,319 |
| Net interest margin | 3.1824% | 5,917 |
| Noninterest income to average assets | 0.2769% | 6,205 |
| Noninterest expense to average assets | 2.0813% | 7,160 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2602% | 1,479 |
| Return on assets (ROA) | 1.2602% | 1,581 |
| Pretax return on assets | 1.2602% | 2,408 |
| Return on Equity (ROE) | 13.1082% | 1,364 |
| Retained earnings to average equity (ytd only) | 13.1082% | 625 |
| Net charge-offs to loans | 0.0273% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 328 |
| Efficiency ratio | 62.2857% | 6,001 |
| Assets per employee ($millions) | 4.2045% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 4,929 |
| Loan loss allowance to noncurrent loans | 103.6364% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 6,135 |
| Noncurrent loans to loans | 1.1384% | 4,715 |
| Net loans and leases to total assets | 34.0659% | 7,801 |
| Net loans and leases to deposits | 37.8195% | 7,907 |
| Net loans and leases to core deposits | 42.7335% | 7,927 |
| Total domestic deposits to total assets | 90.0749% | 764 |
| Equity capital to assets | 9.7277% | 4,339 |
| Core capital (leverage) ratio | 9.7990% | 3,635 |
| Tier 1 risk-based capital ratio | 23.8109% | 1,103 |
| Total risk-based capital ratio | 24.8126% | 1,109 |
| Memoranda: | ||
| Average total assets | $41,897,000 | 7,169 |
| Average earning assets | $40,347,000 | 7,082 |
| Average equity | $4,028,000 | 7,445 |
| Average total loans | $14,671,000 | 7,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7836% | 6,493 |
| Cost of funding earning assets | 2.5675% | 3,866 |
| Net interest margin | 3.2161% | 6,321 |
| Noninterest income to average assets | 0.3134% | 6,209 |
| Noninterest expense to average assets | 2.3495% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0369% | 2,410 |
| Return on assets (ROA) | 1.0369% | 2,298 |
| Pretax return on assets | 1.0369% | 3,247 |
| Return on Equity (ROE) | 11.2216% | 1,839 |
| Retained earnings to average equity (ytd only) | 3.5705% | 2,922 |
| Net charge-offs to loans | 0.0752% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 933 |
| Efficiency ratio | 69.3807% | 4,463 |
| Assets per employee ($millions) | 4.1749% | 3,158 |
| Cash dividends to net income (ytd only)* | 68.1818% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,860 |
| Loan loss allowance to noncurrent loans | 182.9787% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,443 |
| Noncurrent loans to loans | 0.6331% | 5,477 |
| Net loans and leases to total assets | 35.1529% | 7,860 |
| Net loans and leases to deposits | 38.9480% | 7,959 |
| Net loans and leases to core deposits | 43.9875% | 7,999 |
| Total domestic deposits to total assets | 90.2561% | 564 |
| Equity capital to assets | 9.4996% | 4,699 |
| Core capital (leverage) ratio | 9.3084% | 4,285 |
| Tier 1 risk-based capital ratio | 22.6269% | 1,234 |
| Total risk-based capital ratio | 23.6164% | 1,240 |
| Memoranda: | ||
| Average total assets | $42,435,000 | 7,108 |
| Average earning assets | $40,546,000 | 7,022 |
| Average equity | $3,921,000 | 7,546 |
| Average total loans | $14,628,000 | 7,670 |