Home > Abington Bank > Performance and Condition Ratios
Abington Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 3,214 |
| Cost of funding earning assets | 0.6980% | 3,065 |
| Net interest margin | 3.7056% | 2,873 |
| Noninterest income to average assets | 0.2753% | 4,038 |
| Noninterest expense to average assets | 3.1818% | 1,536 |
| Loan and lease loss provision to assets | -0.0429% | 5,251 |
| Net operating income to assets | 0.4571% | 4,626 |
| Return on assets (ROA) | 0.4520% | 4,656 |
| Pretax return on assets | 0.5619% | 4,580 |
| Return on Equity (ROE) | 4.2856% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.2856% | 3,206 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6049% | 664 |
| Assets per employee ($millions) | 5.8086% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 4,900 |
| Loan loss allowance to noncurrent loans | 138.1395% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,257 |
| Noncurrent loans to loans | 0.4484% | 2,976 |
| Net loans and leases to total assets | 74.5774% | 1,707 |
| Net loans and leases to deposits | 87.5030% | 1,935 |
| Net loans and leases to core deposits | 93.5926% | 2,162 |
| Total domestic deposits to total assets | 85.2284% | 2,590 |
| Equity capital to assets | 10.5468% | 3,306 |
| Core capital (leverage) ratio | 10.1276% | 3,455 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,020 |
| Total risk-based capital ratio | 15.4478% | 3,166 |
| Memoranda: | ||
| Average total assets | $316,798,000 | 2,083 |
| Average earning assets | $293,392,000 | 2,086 |
| Average equity | $33,414,000 | 2,224 |
| Average total loans | $241,841,000 | 1,904 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 3,171 |
| Cost of funding earning assets | 0.6331% | 2,503 |
| Net interest margin | 3.6503% | 3,221 |
| Noninterest income to average assets | 0.2624% | 4,361 |
| Noninterest expense to average assets | 3.0446% | 1,952 |
| Loan and lease loss provision to assets | 0.0527% | 3,130 |
| Net operating income to assets | 0.4668% | 4,732 |
| Return on assets (ROA) | 0.4663% | 4,732 |
| Pretax return on assets | 0.5464% | 4,727 |
| Return on Equity (ROE) | 4.4494% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,082 |
| Net charge-offs to loans | -0.0008% | 4,176 |
| Credit loss provision to net charge-offs | -8,200.0000% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7701% | 822 |
| Assets per employee ($millions) | 5.8171% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 4,934 |
| Loan loss allowance to noncurrent loans | 98.1266% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,607 |
| Noncurrent loans to loans | 0.6346% | 2,398 |
| Net loans and leases to total assets | 77.1746% | 1,413 |
| Net loans and leases to deposits | 90.5862% | 1,719 |
| Net loans and leases to core deposits | 96.7012% | 1,995 |
| Total domestic deposits to total assets | 85.1947% | 2,559 |
| Equity capital to assets | 10.5481% | 3,131 |
| Core capital (leverage) ratio | 10.2006% | 3,355 |
| Tier 1 risk-based capital ratio | 14.3898% | 3,118 |
| Total risk-based capital ratio | 15.1533% | 3,260 |
| Memoranda: | ||
| Average total assets | $310,972,800 | 2,085 |
| Average earning assets | $288,109,800 | 2,088 |
| Average equity | $32,588,400 | 2,181 |
| Average total loans | $240,930,600 | 1,875 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 3,397 |
| Cost of funding earning assets | 0.6255% | 2,298 |
| Net interest margin | 3.5502% | 3,522 |
| Noninterest income to average assets | 0.2368% | 4,555 |
| Noninterest expense to average assets | 2.7965% | 2,639 |
| Loan and lease loss provision to assets | 0.0705% | 2,554 |
| Net operating income to assets | 0.5578% | 4,625 |
| Return on assets (ROA) | 0.5571% | 4,633 |
| Pretax return on assets | 0.6598% | 4,624 |
| Return on Equity (ROE) | 5.3247% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.3247% | 3,044 |
| Net charge-offs to loans | -0.0011% | 4,019 |
| Credit loss provision to net charge-offs | -8,200.0000% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5192% | 1,171 |
| Assets per employee ($millions) | 5.9393% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 5,001 |
| Loan loss allowance to noncurrent loans | 83.5534% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 2,415 |
| Noncurrent loans to loans | 0.7527% | 2,210 |
| Net loans and leases to total assets | 77.7132% | 1,384 |
| Net loans and leases to deposits | 91.1824% | 1,731 |
| Net loans and leases to core deposits | 97.1685% | 2,004 |
| Total domestic deposits to total assets | 85.2282% | 2,517 |
| Equity capital to assets | 10.6163% | 3,029 |
| Core capital (leverage) ratio | 10.1496% | 3,469 |
| Tier 1 risk-based capital ratio | 14.4372% | 3,155 |
| Total risk-based capital ratio | 15.2035% | 3,305 |
| Memoranda: | ||
| Average total assets | $310,185,000 | 2,104 |
| Average earning assets | $287,526,500 | 2,103 |
| Average equity | $32,452,000 | 2,191 |
| Average total loans | $240,177,500 | 1,889 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 3,364 |
| Cost of funding earning assets | 0.6076% | 2,175 |
| Net interest margin | 3.5172% | 3,576 |
| Noninterest income to average assets | 0.2324% | 4,624 |
| Noninterest expense to average assets | 2.8529% | 2,490 |
| Loan and lease loss provision to assets | 0.0676% | 2,529 |
| Net operating income to assets | 0.5195% | 4,705 |
| Return on assets (ROA) | 0.5183% | 4,712 |
| Pretax return on assets | 0.5756% | 4,774 |
| Return on Equity (ROE) | 4.9784% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.9784% | 3,088 |
| Net charge-offs to loans | -0.0017% | 3,927 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8417% | 1,030 |
| Assets per employee ($millions) | 5.9124% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 5,104 |
| Loan loss allowance to noncurrent loans | 93.2950% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,759 |
| Noncurrent loans to loans | 0.6462% | 2,500 |
| Net loans and leases to total assets | 76.8654% | 1,499 |
| Net loans and leases to deposits | 89.8538% | 1,857 |
| Net loans and leases to core deposits | 95.6926% | 2,086 |
| Total domestic deposits to total assets | 85.5450% | 2,479 |
| Equity capital to assets | 10.3425% | 3,290 |
| Core capital (leverage) ratio | 9.8823% | 3,703 |
| Tier 1 risk-based capital ratio | 14.2480% | 3,235 |
| Total risk-based capital ratio | 14.9989% | 3,391 |
| Memoranda: | ||
| Average total assets | $310,631,330 | 2,115 |
| Average earning assets | $288,352,000 | 2,106 |
| Average equity | $32,340,000 | 2,206 |
| Average total loans | $239,725,670 | 1,888 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,658 |
| Cost of funding earning assets | 0.5868% | 2,132 |
| Net interest margin | 3.3996% | 3,885 |
| Noninterest income to average assets | 0.1500% | 5,115 |
| Noninterest expense to average assets | 2.6980% | 3,052 |
| Loan and lease loss provision to assets | 0.0582% | 2,606 |
| Net operating income to assets | 0.4470% | 4,820 |
| Return on assets (ROA) | 0.4449% | 4,830 |
| Pretax return on assets | 0.5536% | 4,785 |
| Return on Equity (ROE) | 4.2593% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.2593% | 3,484 |
| Net charge-offs to loans | -0.0034% | 3,902 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8516% | 1,158 |
| Assets per employee ($millions) | 5.8112% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 5,214 |
| Loan loss allowance to noncurrent loans | 63.9561% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 2,191 |
| Noncurrent loans to loans | 0.9143% | 1,993 |
| Net loans and leases to total assets | 77.2808% | 1,345 |
| Net loans and leases to deposits | 89.9787% | 1,694 |
| Net loans and leases to core deposits | 95.5071% | 2,016 |
| Total domestic deposits to total assets | 85.8879% | 2,596 |
| Equity capital to assets | 10.4977% | 3,080 |
| Core capital (leverage) ratio | 10.0057% | 3,533 |
| Tier 1 risk-based capital ratio | 14.6835% | 3,037 |
| Total risk-based capital ratio | 15.4259% | 3,211 |
| Memoranda: | ||
| Average total assets | $309,268,000 | 2,146 |
| Average earning assets | $287,682,000 | 2,134 |
| Average equity | $32,305,500 | 2,218 |
| Average total loans | $238,426,000 | 1,909 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 1,866 |
| Cost of funding earning assets | 0.5686% | 1,834 |
| Net interest margin | 3.8858% | 2,131 |
| Noninterest income to average assets | 0.9904% | 1,042 |
| Noninterest expense to average assets | 3.1522% | 1,715 |
| Loan and lease loss provision to assets | 0.2064% | 986 |
| Net operating income to assets | 1.0466% | 2,066 |
| Return on assets (ROA) | 1.0474% | 2,093 |
| Pretax return on assets | 1.2883% | 2,398 |
| Return on Equity (ROE) | 10.8393% | 1,542 |
| Retained earnings to average equity (ytd only) | 10.8393% | 260 |
| Net charge-offs to loans | 0.0082% | 3,789 |
| Credit loss provision to net charge-offs | 3,315.3846% | 125 |
| Earnings coverage of net charge-offs (x) | 239.9231% | 348 |
| Efficiency ratio | 66.5911% | 3,152 |
| Assets per employee ($millions) | 5.7481% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 5,341 |
| Loan loss allowance to noncurrent loans | 68.4829% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 2,538 |
| Noncurrent loans to loans | 0.7884% | 2,244 |
| Net loans and leases to total assets | 76.0806% | 1,577 |
| Net loans and leases to deposits | 88.1296% | 2,005 |
| Net loans and leases to core deposits | 93.7543% | 2,216 |
| Total domestic deposits to total assets | 86.3282% | 2,305 |
| Equity capital to assets | 10.3516% | 3,327 |
| Core capital (leverage) ratio | 9.7238% | 3,779 |
| Tier 1 risk-based capital ratio | 15.2168% | 2,735 |
| Total risk-based capital ratio | 15.9506% | 2,922 |
| Memoranda: | ||
| Average total assets | $208,805,000 | 2,835 |
| Average earning assets | $196,432,400 | 2,803 |
| Average equity | $20,176,600 | 3,122 |
| Average total loans | $158,828,000 | 2,560 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 1,779 |
| Cost of funding earning assets | 0.5145% | 2,153 |
| Net interest margin | 3.9386% | 1,902 |
| Noninterest income to average assets | 0.3162% | 4,274 |
| Noninterest expense to average assets | 3.1456% | 1,686 |
| Loan and lease loss provision to assets | 0.0829% | 2,431 |
| Net operating income to assets | 0.4430% | 4,896 |
| Return on assets (ROA) | 0.4369% | 4,941 |
| Pretax return on assets | 0.7902% | 4,374 |
| Return on Equity (ROE) | 4.6620% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.6620% | 3,106 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4483% | 1,525 |
| Assets per employee ($millions) | 5.2754% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 5,407 |
| Loan loss allowance to noncurrent loans | 130.0532% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 3,727 |
| Noncurrent loans to loans | 0.4232% | 3,432 |
| Net loans and leases to total assets | 77.9089% | 1,286 |
| Net loans and leases to deposits | 91.9879% | 1,568 |
| Net loans and leases to core deposits | 94.5621% | 2,218 |
| Total domestic deposits to total assets | 84.6946% | 2,840 |
| Equity capital to assets | 9.9655% | 3,950 |
| Core capital (leverage) ratio | 9.3104% | 4,397 |
| Tier 1 risk-based capital ratio | 13.0830% | 3,955 |
| Total risk-based capital ratio | 13.7442% | 4,238 |
| Memoranda: | ||
| Average total assets | $183,407,000 | 3,106 |
| Average earning assets | $172,848,250 | 3,064 |
| Average equity | $17,188,000 | 3,504 |
| Average total loans | $139,176,500 | 2,810 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 1,913 |
| Cost of funding earning assets | 0.4664% | 2,444 |
| Net interest margin | 3.9033% | 1,916 |
| Noninterest income to average assets | 0.4452% | 3,386 |
| Noninterest expense to average assets | 3.3896% | 1,195 |
| Loan and lease loss provision to assets | 0.0260% | 3,478 |
| Net operating income to assets | 0.3398% | 5,126 |
| Return on assets (ROA) | 0.3398% | 5,147 |
| Pretax return on assets | 0.7151% | 4,512 |
| Return on Equity (ROE) | 3.7316% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.7316% | 3,481 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2052% | 4,805 |
| Assets per employee ($millions) | 5.3047% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5024% | 5,517 |
| Loan loss allowance to noncurrent loans | 149.9154% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 4,112 |
| Noncurrent loans to loans | 0.3351% | 3,843 |
| Net loans and leases to total assets | 75.1757% | 1,665 |
| Net loans and leases to deposits | 87.1210% | 2,092 |
| Net loans and leases to core deposits | 89.8388% | 2,543 |
| Total domestic deposits to total assets | 86.2888% | 2,246 |
| Equity capital to assets | 9.5301% | 4,377 |
| Core capital (leverage) ratio | 8.8641% | 4,883 |
| Tier 1 risk-based capital ratio | 12.9782% | 4,007 |
| Total risk-based capital ratio | 13.5869% | 4,284 |
| Memoranda: | ||
| Average total assets | $168,928,670 | 3,297 |
| Average earning assets | $159,505,670 | 3,252 |
| Average equity | $15,382,000 | 3,712 |
| Average total loans | $126,332,670 | 2,999 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,494 |
| Cost of funding earning assets | 0.5003% | 2,084 |
| Net interest margin | 3.3725% | 3,747 |
| Noninterest income to average assets | 0.3307% | 4,184 |
| Noninterest expense to average assets | 2.9234% | 2,386 |
| Loan and lease loss provision to assets | 0.0263% | 3,231 |
| Net operating income to assets | 0.3687% | 5,029 |
| Return on assets (ROA) | 0.3687% | 5,048 |
| Pretax return on assets | 0.5765% | 4,783 |
| Return on Equity (ROE) | 4.2172% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.2172% | 3,342 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9046% | 1,073 |
| Assets per employee ($millions) | 5.8360% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,821 |
| Loan loss allowance to noncurrent loans | 130.6886% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 3,309 |
| Noncurrent loans to loans | 0.6761% | 2,824 |
| Net loans and leases to total assets | 69.9188% | 2,391 |
| Net loans and leases to deposits | 81.8137% | 2,534 |
| Net loans and leases to core deposits | 84.2910% | 2,870 |
| Total domestic deposits to total assets | 85.4609% | 2,898 |
| Equity capital to assets | 8.5811% | 5,178 |
| Core capital (leverage) ratio | 8.9530% | 4,794 |
| Tier 1 risk-based capital ratio | 13.5850% | 3,729 |
| Total risk-based capital ratio | 14.6629% | 3,747 |
| Memoranda: | ||
| Average total assets | $136,689,000 | 3,742 |
| Average earning assets | $129,519,000 | 3,681 |
| Average equity | $11,951,000 | 4,220 |
| Average total loans | $101,323,000 | 3,394 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 2,861 |
| Cost of funding earning assets | 0.5442% | 1,755 |
| Net interest margin | 3.5545% | 3,235 |
| Noninterest income to average assets | 0.3880% | 3,979 |
| Noninterest expense to average assets | 2.9256% | 2,584 |
| Loan and lease loss provision to assets | 0.0113% | 4,152 |
| Net operating income to assets | 0.5178% | 4,558 |
| Return on assets (ROA) | 0.5158% | 4,650 |
| Pretax return on assets | 0.7925% | 4,199 |
| Return on Equity (ROE) | 5.8996% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.8996% | 1,766 |
| Net charge-offs to loans | 0.0010% | 4,255 |
| Credit loss provision to net charge-offs | 1,500.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 1,073.0000% | 68 |
| Efficiency ratio | 78.3844% | 1,644 |
| Assets per employee ($millions) | 5.3326% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 5,010 |
| Loan loss allowance to noncurrent loans | 128.0000% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 3,239 |
| Noncurrent loans to loans | 0.6500% | 2,908 |
| Net loans and leases to total assets | 77.2447% | 1,322 |
| Net loans and leases to deposits | 91.0899% | 1,564 |
| Net loans and leases to core deposits | 93.5398% | 2,155 |
| Total domestic deposits to total assets | 84.8005% | 3,133 |
| Equity capital to assets | 8.9135% | 4,893 |
| Core capital (leverage) ratio | 9.0038% | 4,742 |
| Tier 1 risk-based capital ratio | 12.8528% | 4,165 |
| Total risk-based capital ratio | 13.8684% | 4,205 |
| Memoranda: | ||
| Average total assets | $132,997,800 | 3,784 |
| Average earning assets | $125,135,400 | 3,732 |
| Average equity | $11,628,000 | 4,311 |
| Average total loans | $103,422,800 | 3,324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 2,930 |
| Cost of funding earning assets | 0.5487% | 1,707 |
| Net interest margin | 3.5368% | 3,331 |
| Noninterest income to average assets | 0.4083% | 3,861 |
| Noninterest expense to average assets | 2.9130% | 2,603 |
| Loan and lease loss provision to assets | 0.0150% | 3,947 |
| Net operating income to assets | 0.5207% | 4,616 |
| Return on assets (ROA) | 0.5226% | 4,709 |
| Pretax return on assets | 0.8065% | 4,289 |
| Return on Equity (ROE) | 6.0069% | 4,059 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,181 |
| Net charge-offs to loans | 0.0013% | 3,905 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 818.0226% | 113 |
| Efficiency ratio | 78.0645% | 1,684 |
| Assets per employee ($millions) | 5.4224% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 5,086 |
| Loan loss allowance to noncurrent loans | 63.8109% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 2,073 |
| Noncurrent loans to loans | 1.3095% | 1,698 |
| Net loans and leases to total assets | 75.6374% | 1,585 |
| Net loans and leases to deposits | 89.3893% | 1,832 |
| Net loans and leases to core deposits | 92.2052% | 2,354 |
| Total domestic deposits to total assets | 84.6157% | 2,980 |
| Equity capital to assets | 8.7504% | 5,362 |
| Core capital (leverage) ratio | 8.8140% | 5,040 |
| Tier 1 risk-based capital ratio | 12.6958% | 4,343 |
| Total risk-based capital ratio | 13.7075% | 4,395 |
| Memoranda: | ||
| Average total assets | $132,918,750 | 3,811 |
| Average earning assets | $124,894,000 | 3,758 |
| Average equity | $11,564,250 | 4,364 |
| Average total loans | $103,318,000 | 3,330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 2,880 |
| Cost of funding earning assets | 0.5528% | 1,677 |
| Net interest margin | 3.5418% | 3,318 |
| Noninterest income to average assets | 0.3908% | 3,940 |
| Noninterest expense to average assets | 2.9779% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4772% | 4,777 |
| Return on assets (ROA) | 0.4802% | 4,862 |
| Pretax return on assets | 0.7361% | 4,507 |
| Return on Equity (ROE) | 5.5299% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.5299% | 2,402 |
| Net charge-offs to loans | 0.0019% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 483.0000% | 141 |
| Efficiency ratio | 80.2777% | 1,463 |
| Assets per employee ($millions) | 5.2892% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,226 |
| Loan loss allowance to noncurrent loans | 58.2704% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 1,921 |
| Noncurrent loans to loans | 1.4053% | 1,587 |
| Net loans and leases to total assets | 77.7683% | 1,236 |
| Net loans and leases to deposits | 93.3479% | 1,362 |
| Net loans and leases to core deposits | 95.9138% | 1,982 |
| Total domestic deposits to total assets | 83.3101% | 3,538 |
| Equity capital to assets | 8.8286% | 5,379 |
| Core capital (leverage) ratio | 8.7307% | 5,136 |
| Tier 1 risk-based capital ratio | 12.6044% | 4,442 |
| Total risk-based capital ratio | 13.6091% | 4,533 |
| Memoranda: | ||
| Average total assets | $132,038,330 | 3,846 |
| Average earning assets | $123,723,670 | 3,807 |
| Average equity | $11,465,000 | 4,405 |
| Average total loans | $103,291,330 | 3,355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,829 |
| Cost of funding earning assets | 0.5557% | 1,651 |
| Net interest margin | 3.5487% | 3,290 |
| Noninterest income to average assets | 0.3790% | 3,996 |
| Noninterest expense to average assets | 3.0104% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4406% | 4,857 |
| Return on assets (ROA) | 0.4426% | 4,936 |
| Pretax return on assets | 0.6821% | 4,583 |
| Return on Equity (ROE) | 5.1406% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.1406% | 2,849 |
| Net charge-offs to loans | 0.0039% | 2,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 275 |
| Efficiency ratio | 81.5941% | 1,410 |
| Assets per employee ($millions) | 5.3961% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 5,281 |
| Loan loss allowance to noncurrent loans | 47.0882% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 1,596 |
| Noncurrent loans to loans | 1.7624% | 1,258 |
| Net loans and leases to total assets | 75.2037% | 1,518 |
| Net loans and leases to deposits | 92.4282% | 1,292 |
| Net loans and leases to core deposits | 94.6752% | 1,920 |
| Total domestic deposits to total assets | 81.3644% | 4,387 |
| Equity capital to assets | 8.5283% | 5,550 |
| Core capital (leverage) ratio | 8.7090% | 5,162 |
| Tier 1 risk-based capital ratio | 12.3086% | 4,723 |
| Total risk-based capital ratio | 13.3042% | 4,797 |
| Memoranda: | ||
| Average total assets | $131,942,500 | 3,883 |
| Average earning assets | $123,089,000 | 3,847 |
| Average equity | $11,360,500 | 4,435 |
| Average total loans | $103,096,000 | 3,369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 2,720 |
| Cost of funding earning assets | 0.5290% | 1,935 |
| Net interest margin | 3.6260% | 3,033 |
| Noninterest income to average assets | 0.5118% | 3,248 |
| Noninterest expense to average assets | 2.9103% | 2,828 |
| Loan and lease loss provision to assets | 0.0383% | 3,574 |
| Net operating income to assets | 0.6018% | 4,258 |
| Return on assets (ROA) | 0.6066% | 4,337 |
| Pretax return on assets | 0.9087% | 3,804 |
| Return on Equity (ROE) | 7.0136% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.0136% | 1,272 |
| Net charge-offs to loans | -0.0041% | 4,945 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5901% | 2,338 |
| Assets per employee ($millions) | 5.1593% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 5,361 |
| Loan loss allowance to noncurrent loans | 35.7293% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 1,017 |
| Noncurrent loans to loans | 2.2899% | 838 |
| Net loans and leases to total assets | 79.8879% | 858 |
| Net loans and leases to deposits | 97.4918% | 861 |
| Net loans and leases to core deposits | 99.9486% | 1,497 |
| Total domestic deposits to total assets | 81.9432% | 4,181 |
| Equity capital to assets | 8.6958% | 5,390 |
| Core capital (leverage) ratio | 8.6793% | 5,237 |
| Tier 1 risk-based capital ratio | 12.1185% | 4,873 |
| Total risk-based capital ratio | 13.1124% | 4,946 |
| Memoranda: | ||
| Average total assets | $125,450,400 | 3,973 |
| Average earning assets | $115,499,000 | 3,972 |
| Average equity | $10,850,400 | 4,506 |
| Average total loans | $97,776,600 | 3,423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 2,810 |
| Cost of funding earning assets | 0.5182% | 2,056 |
| Net interest margin | 3.6110% | 3,116 |
| Noninterest income to average assets | 0.5202% | 3,223 |
| Noninterest expense to average assets | 2.9756% | 2,596 |
| Loan and lease loss provision to assets | 0.0396% | 3,420 |
| Net operating income to assets | 0.5601% | 4,562 |
| Return on assets (ROA) | 0.5737% | 4,604 |
| Pretax return on assets | 0.8520% | 4,165 |
| Return on Equity (ROE) | 6.6423% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6423% | 1,870 |
| Net charge-offs to loans | -0.0083% | 4,929 |
| Credit loss provision to net charge-offs | -616.6667% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3511% | 2,044 |
| Assets per employee ($millions) | 5.2370% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 5,468 |
| Loan loss allowance to noncurrent loans | 35.8483% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 1,200 |
| Noncurrent loans to loans | 2.2892% | 938 |
| Net loans and leases to total assets | 77.6336% | 1,159 |
| Net loans and leases to deposits | 96.6031% | 948 |
| Net loans and leases to core deposits | 99.0701% | 1,602 |
| Total domestic deposits to total assets | 80.3634% | 4,649 |
| Equity capital to assets | 8.4408% | 5,740 |
| Core capital (leverage) ratio | 8.6510% | 5,408 |
| Tier 1 risk-based capital ratio | 12.2964% | 4,892 |
| Total risk-based capital ratio | 13.3119% | 4,959 |
| Memoranda: | ||
| Average total assets | $124,567,500 | 4,028 |
| Average earning assets | $114,758,000 | 4,028 |
| Average equity | $10,759,000 | 4,577 |
| Average total loans | $96,248,000 | 3,485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 2,880 |
| Cost of funding earning assets | 0.5140% | 2,122 |
| Net interest margin | 3.5907% | 3,124 |
| Noninterest income to average assets | 0.5194% | 3,229 |
| Noninterest expense to average assets | 3.0396% | 2,427 |
| Loan and lease loss provision to assets | 0.0408% | 3,296 |
| Net operating income to assets | 0.5079% | 4,732 |
| Return on assets (ROA) | 0.5390% | 4,725 |
| Pretax return on assets | 0.7938% | 4,338 |
| Return on Equity (ROE) | 6.1904% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.1904% | 2,122 |
| Net charge-offs to loans | -0.0106% | 4,937 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3942% | 1,853 |
| Assets per employee ($millions) | 5.2590% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 5,465 |
| Loan loss allowance to noncurrent loans | 30.4524% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 985 |
| Noncurrent loans to loans | 2.7973% | 746 |
| Net loans and leases to total assets | 76.3558% | 1,324 |
| Net loans and leases to deposits | 91.5763% | 1,415 |
| Net loans and leases to core deposits | 93.6379% | 1,996 |
| Total domestic deposits to total assets | 83.3794% | 3,802 |
| Equity capital to assets | 8.4965% | 5,687 |
| Core capital (leverage) ratio | 8.6815% | 5,342 |
| Tier 1 risk-based capital ratio | 12.5629% | 4,766 |
| Total risk-based capital ratio | 13.6017% | 4,808 |
| Memoranda: | ||
| Average total assets | $122,448,670 | 4,106 |
| Average earning assets | $112,847,330 | 4,097 |
| Average equity | $10,661,670 | 4,625 |
| Average total loans | $94,170,000 | 3,549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 2,921 |
| Cost of funding earning assets | 0.5116% | 2,185 |
| Net interest margin | 3.5669% | 3,140 |
| Noninterest income to average assets | 0.5607% | 2,886 |
| Noninterest expense to average assets | 3.1419% | 2,153 |
| Loan and lease loss provision to assets | 0.0365% | 3,169 |
| Net operating income to assets | 0.4511% | 4,871 |
| Return on assets (ROA) | 0.5142% | 4,726 |
| Pretax return on assets | 0.7598% | 4,393 |
| Return on Equity (ROE) | 5.8323% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.8323% | 2,591 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7084% | 1,658 |
| Assets per employee ($millions) | 5.2432% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 5,521 |
| Loan loss allowance to noncurrent loans | 29.3648% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.2845% | 987 |
| Noncurrent loans to loans | 2.9658% | 745 |
| Net loans and leases to total assets | 76.3570% | 1,164 |
| Net loans and leases to deposits | 88.8436% | 1,527 |
| Net loans and leases to core deposits | 90.4245% | 2,090 |
| Total domestic deposits to total assets | 85.9454% | 2,971 |
| Equity capital to assets | 8.8653% | 5,427 |
| Core capital (leverage) ratio | 8.9328% | 5,035 |
| Tier 1 risk-based capital ratio | 12.5787% | 4,849 |
| Total risk-based capital ratio | 13.6087% | 4,916 |
| Memoranda: | ||
| Average total assets | $120,564,500 | 4,176 |
| Average earning assets | $111,020,000 | 4,158 |
| Average equity | $10,630,500 | 4,670 |
| Average total loans | $92,654,000 | 3,597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,764 |
| Cost of funding earning assets | 0.5273% | 2,415 |
| Net interest margin | 3.4624% | 3,933 |
| Noninterest income to average assets | 0.4632% | 3,757 |
| Noninterest expense to average assets | 2.9336% | 3,043 |
| Loan and lease loss provision to assets | 0.0375% | 3,827 |
| Net operating income to assets | 0.4271% | 5,120 |
| Return on assets (ROA) | 0.5124% | 4,845 |
| Pretax return on assets | 0.8207% | 4,191 |
| Return on Equity (ROE) | 6.0126% | 4,143 |
| Retained earnings to average equity (ytd only) | 6.0126% | 1,922 |
| Net charge-offs to loans | -0.0126% | 5,605 |
| Credit loss provision to net charge-offs | -409.0909% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1867% | 1,902 |
| Assets per employee ($millions) | 4.8214% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 5,590 |
| Loan loss allowance to noncurrent loans | 32.2034% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0558% | 1,216 |
| Noncurrent loans to loans | 2.6813% | 906 |
| Net loans and leases to total assets | 76.0103% | 1,262 |
| Net loans and leases to deposits | 87.8553% | 1,752 |
| Net loans and leases to core deposits | 89.4045% | 2,345 |
| Total domestic deposits to total assets | 86.5176% | 2,565 |
| Equity capital to assets | 8.7692% | 5,515 |
| Core capital (leverage) ratio | 8.7391% | 5,307 |
| Tier 1 risk-based capital ratio | 12.7597% | 4,880 |
| Total risk-based capital ratio | 13.8103% | 4,915 |
| Memoranda: | ||
| Average total assets | $120,022,800 | 4,177 |
| Average earning assets | $110,762,000 | 4,165 |
| Average equity | $10,228,600 | 4,702 |
| Average total loans | $87,410,000 | 3,688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,129 |
| Cost of funding earning assets | 0.5269% | 2,496 |
| Net interest margin | 3.3838% | 4,299 |
| Noninterest income to average assets | 0.4337% | 3,994 |
| Noninterest expense to average assets | 2.9180% | 3,060 |
| Loan and lease loss provision to assets | 0.0456% | 3,477 |
| Net operating income to assets | 0.3730% | 5,354 |
| Return on assets (ROA) | 0.4648% | 5,093 |
| Pretax return on assets | 0.7417% | 4,554 |
| Return on Equity (ROE) | 5.4945% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.4945% | 2,758 |
| Net charge-offs to loans | -0.0170% | 5,574 |
| Credit loss provision to net charge-offs | -372.7273% | 5,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9232% | 1,633 |
| Assets per employee ($millions) | 5.0258% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 5,646 |
| Loan loss allowance to noncurrent loans | 31.8109% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 1,363 |
| Noncurrent loans to loans | 2.7823% | 1,003 |
| Net loans and leases to total assets | 73.7179% | 1,570 |
| Net loans and leases to deposits | 85.0075% | 2,025 |
| Net loans and leases to core deposits | 86.2836% | 2,634 |
| Total domestic deposits to total assets | 86.7192% | 2,465 |
| Equity capital to assets | 8.5758% | 5,742 |
| Core capital (leverage) ratio | 8.7739% | 5,367 |
| Tier 1 risk-based capital ratio | 13.0274% | 4,851 |
| Total risk-based capital ratio | 14.1214% | 4,853 |
| Memoranda: | ||
| Average total assets | $119,894,750 | 4,220 |
| Average earning assets | $110,837,750 | 4,196 |
| Average equity | $10,143,250 | 4,757 |
| Average total loans | $86,158,250 | 3,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 4,146 |
| Cost of funding earning assets | 0.5337% | 2,507 |
| Net interest margin | 3.3626% | 4,343 |
| Noninterest income to average assets | 0.4597% | 3,793 |
| Noninterest expense to average assets | 2.9034% | 3,151 |
| Loan and lease loss provision to assets | 0.1387% | 1,787 |
| Net operating income to assets | 0.3366% | 5,446 |
| Return on assets (ROA) | 0.4446% | 5,115 |
| Pretax return on assets | 0.7037% | 4,626 |
| Return on Equity (ROE) | 5.2797% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.2797% | 2,779 |
| Net charge-offs to loans | -0.0659% | 5,993 |
| Credit loss provision to net charge-offs | -296.4286% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1682% | 1,857 |
| Assets per employee ($millions) | 4.9312% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,520 |
| Loan loss allowance to noncurrent loans | 35.3209% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 1,558 |
| Noncurrent loans to loans | 2.7199% | 1,116 |
| Net loans and leases to total assets | 74.3029% | 1,398 |
| Net loans and leases to deposits | 86.2845% | 1,794 |
| Net loans and leases to core deposits | 87.8332% | 2,330 |
| Total domestic deposits to total assets | 86.1138% | 2,987 |
| Equity capital to assets | 8.5992% | 5,718 |
| Core capital (leverage) ratio | 8.3866% | 5,754 |
| Tier 1 risk-based capital ratio | 12.6697% | 5,106 |
| Total risk-based capital ratio | 13.7519% | 5,151 |
| Memoranda: | ||
| Average total assets | $119,653,670 | 4,248 |
| Average earning assets | $110,927,330 | 4,220 |
| Average equity | $10,076,330 | 4,784 |
| Average total loans | $84,974,000 | 3,792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 4,220 |
| Cost of funding earning assets | 0.5278% | 2,632 |
| Net interest margin | 3.3392% | 4,378 |
| Noninterest income to average assets | 0.4289% | 3,955 |
| Noninterest expense to average assets | 2.9059% | 3,185 |
| Loan and lease loss provision to assets | 0.1463% | 1,662 |
| Net operating income to assets | 0.2960% | 5,504 |
| Return on assets (ROA) | 0.4854% | 4,837 |
| Pretax return on assets | 0.7647% | 4,252 |
| Return on Equity (ROE) | 5.8249% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.8249% | 2,636 |
| Net charge-offs to loans | -0.1300% | 6,232 |
| Credit loss provision to net charge-offs | -162.9630% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5307% | 1,861 |
| Assets per employee ($millions) | 5.0630% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 5,663 |
| Loan loss allowance to noncurrent loans | 49.7857% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 2,630 |
| Noncurrent loans to loans | 1.9289% | 1,951 |
| Net loans and leases to total assets | 69.0036% | 2,059 |
| Net loans and leases to deposits | 80.1804% | 2,270 |
| Net loans and leases to core deposits | 81.8459% | 2,753 |
| Total domestic deposits to total assets | 86.0605% | 3,337 |
| Equity capital to assets | 8.2626% | 5,856 |
| Core capital (leverage) ratio | 8.4480% | 5,703 |
| Tier 1 risk-based capital ratio | 12.5999% | 5,256 |
| Total risk-based capital ratio | 13.6405% | 5,316 |
| Memoranda: | ||
| Average total assets | $120,306,500 | 4,270 |
| Average earning assets | $111,404,000 | 4,237 |
| Average equity | $10,026,000 | 4,812 |
| Average total loans | $83,066,500 | 3,857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 4,069 |
| Cost of funding earning assets | 0.6117% | 2,556 |
| Net interest margin | 3.3942% | 4,296 |
| Noninterest income to average assets | 0.4746% | 3,927 |
| Noninterest expense to average assets | 2.9101% | 3,341 |
| Loan and lease loss provision to assets | 0.0278% | 4,562 |
| Net operating income to assets | 0.4372% | 5,002 |
| Return on assets (ROA) | 0.4372% | 5,129 |
| Pretax return on assets | 0.7101% | 4,503 |
| Return on Equity (ROE) | 5.0805% | 4,584 |
| Retained earnings to average equity (ytd only) | 5.0805% | 2,537 |
| Net charge-offs to loans | 0.1011% | 3,822 |
| Credit loss provision to net charge-offs | 38.5542% | 4,073 |
| Earnings coverage of net charge-offs (x) | 10.2289% | 2,401 |
| Efficiency ratio | 79.7713% | 2,184 |
| Assets per employee ($millions) | 4.7641% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,888 |
| Loan loss allowance to noncurrent loans | 79.9569% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 3,944 |
| Noncurrent loans to loans | 1.1390% | 3,265 |
| Net loans and leases to total assets | 67.7831% | 2,395 |
| Net loans and leases to deposits | 78.6729% | 2,638 |
| Net loans and leases to core deposits | 80.3341% | 3,089 |
| Total domestic deposits to total assets | 86.1581% | 3,172 |
| Equity capital to assets | 8.4062% | 5,688 |
| Core capital (leverage) ratio | 8.3928% | 5,789 |
| Tier 1 risk-based capital ratio | 13.0716% | 4,928 |
| Total risk-based capital ratio | 14.1017% | 5,027 |
| Memoranda: | ||
| Average total assets | $115,046,800 | 4,384 |
| Average earning assets | $107,565,000 | 4,323 |
| Average equity | $9,900,600 | 4,872 |
| Average total loans | $82,065,000 | 3,878 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,968 |
| Cost of funding earning assets | 0.6268% | 2,582 |
| Net interest margin | 3.4145% | 4,229 |
| Noninterest income to average assets | 0.4864% | 3,893 |
| Noninterest expense to average assets | 2.9500% | 3,141 |
| Loan and lease loss provision to assets | 0.0374% | 4,260 |
| Net operating income to assets | 0.4350% | 5,092 |
| Return on assets (ROA) | 0.4350% | 5,239 |
| Pretax return on assets | 0.7027% | 4,680 |
| Return on Equity (ROE) | 5.0238% | 4,711 |
| Retained earnings to average equity (ytd only) | 5.0238% | 3,063 |
| Net charge-offs to loans | 0.0389% | 4,370 |
| Credit loss provision to net charge-offs | 133.3333% | 1,769 |
| Earnings coverage of net charge-offs (x) | 26.3744% | 1,350 |
| Efficiency ratio | 79.9430% | 2,106 |
| Assets per employee ($millions) | 4.6750% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,858 |
| Loan loss allowance to noncurrent loans | 63.6219% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 3,507 |
| Noncurrent loans to loans | 1.5206% | 2,883 |
| Net loans and leases to total assets | 70.1564% | 1,937 |
| Net loans and leases to deposits | 81.0453% | 2,261 |
| Net loans and leases to core deposits | 82.7891% | 2,791 |
| Total domestic deposits to total assets | 86.5644% | 2,928 |
| Equity capital to assets | 8.4782% | 5,754 |
| Core capital (leverage) ratio | 8.4778% | 5,790 |
| Tier 1 risk-based capital ratio | 13.1326% | 5,029 |
| Total risk-based capital ratio | 14.2628% | 5,066 |
| Memoranda: | ||
| Average total assets | $114,033,000 | 4,448 |
| Average earning assets | $106,991,500 | 4,384 |
| Average equity | $9,872,750 | 4,937 |
| Average total loans | $82,213,000 | 3,903 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,794 |
| Cost of funding earning assets | 0.6369% | 2,618 |
| Net interest margin | 3.4486% | 4,011 |
| Noninterest income to average assets | 0.5023% | 3,814 |
| Noninterest expense to average assets | 2.9977% | 3,006 |
| Loan and lease loss provision to assets | 0.0725% | 3,589 |
| Net operating income to assets | 0.4227% | 5,132 |
| Return on assets (ROA) | 0.4227% | 5,288 |
| Pretax return on assets | 0.6880% | 4,723 |
| Return on Equity (ROE) | 4.8475% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.8475% | 3,147 |
| Net charge-offs to loans | 0.0585% | 3,865 |
| Credit loss provision to net charge-offs | 170.8333% | 1,380 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 1,579 |
| Efficiency ratio | 79.7647% | 2,193 |
| Assets per employee ($millions) | 4.5671% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 5,893 |
| Loan loss allowance to noncurrent loans | 46.9293% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 2,832 |
| Noncurrent loans to loans | 2.0905% | 2,289 |
| Net loans and leases to total assets | 71.6022% | 1,637 |
| Net loans and leases to deposits | 82.9409% | 1,934 |
| Net loans and leases to core deposits | 84.9896% | 2,438 |
| Total domestic deposits to total assets | 86.3292% | 3,187 |
| Equity capital to assets | 8.5883% | 5,680 |
| Core capital (leverage) ratio | 8.3545% | 5,819 |
| Tier 1 risk-based capital ratio | 13.5207% | 4,754 |
| Total risk-based capital ratio | 14.6992% | 4,765 |
| Memoranda: | ||
| Average total assets | $113,085,330 | 4,507 |
| Average earning assets | $106,769,000 | 4,416 |
| Average equity | $9,860,670 | 4,976 |
| Average total loans | $82,018,330 | 3,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 3,712 |
| Cost of funding earning assets | 0.6490% | 2,668 |
| Net interest margin | 3.4549% | 3,879 |
| Noninterest income to average assets | 0.4478% | 4,129 |
| Noninterest expense to average assets | 3.0034% | 2,981 |
| Loan and lease loss provision to assets | 0.0995% | 3,019 |
| Net operating income to assets | 0.3803% | 5,209 |
| Return on assets (ROA) | 0.3803% | 5,351 |
| Pretax return on assets | 0.6185% | 4,877 |
| Return on Equity (ROE) | 4.3285% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.3285% | 3,637 |
| Net charge-offs to loans | 0.1174% | 2,723 |
| Credit loss provision to net charge-offs | 116.6667% | 1,629 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 1,948 |
| Efficiency ratio | 80.7068% | 2,225 |
| Assets per employee ($millions) | 4.8401% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,074 |
| Loan loss allowance to noncurrent loans | 42.6431% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 2,849 |
| Noncurrent loans to loans | 2.2765% | 2,297 |
| Net loans and leases to total assets | 69.9887% | 1,659 |
| Net loans and leases to deposits | 81.7293% | 1,866 |
| Net loans and leases to core deposits | 83.7240% | 2,355 |
| Total domestic deposits to total assets | 85.6348% | 3,717 |
| Equity capital to assets | 8.5535% | 5,963 |
| Core capital (leverage) ratio | 8.7030% | 5,324 |
| Tier 1 risk-based capital ratio | 13.0563% | 5,176 |
| Total risk-based capital ratio | 14.1934% | 5,215 |
| Memoranda: | ||
| Average total assets | $112,539,000 | 4,563 |
| Average earning assets | $106,631,500 | 4,456 |
| Average equity | $9,888,000 | 5,014 |
| Average total loans | $81,745,500 | 3,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 4,476 |
| Cost of funding earning assets | 0.7610% | 3,007 |
| Net interest margin | 3.4690% | 4,633 |
| Noninterest income to average assets | 0.7488% | 2,503 |
| Noninterest expense to average assets | 3.2085% | 2,581 |
| Loan and lease loss provision to assets | 0.1294% | 3,998 |
| Net operating income to assets | 0.4195% | 5,009 |
| Return on assets (ROA) | 0.4482% | 5,136 |
| Pretax return on assets | 0.7260% | 4,574 |
| Return on Equity (ROE) | 4.8904% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.8904% | 2,772 |
| Net charge-offs to loans | 0.0013% | 5,972 |
| Credit loss provision to net charge-offs | 13,600.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 852.0000% | 41 |
| Efficiency ratio | 79.8295% | 2,169 |
| Assets per employee ($millions) | 4.3566% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,051 |
| Loan loss allowance to noncurrent loans | 29.1544% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 2.4974% | 1,955 |
| Noncurrent loans to loans | 3.3418% | 1,526 |
| Net loans and leases to total assets | 74.0027% | 1,195 |
| Net loans and leases to deposits | 87.5430% | 1,326 |
| Net loans and leases to core deposits | 89.7920% | 1,859 |
| Total domestic deposits to total assets | 84.5329% | 4,074 |
| Equity capital to assets | 9.0346% | 5,482 |
| Core capital (leverage) ratio | 8.8110% | 5,162 |
| Tier 1 risk-based capital ratio | 13.5845% | 4,688 |
| Total risk-based capital ratio | 14.7864% | 4,678 |
| Memoranda: | ||
| Average total assets | $105,097,200 | 4,708 |
| Average earning assets | $99,077,400 | 4,612 |
| Average equity | $9,631,200 | 5,068 |
| Average total loans | $76,903,400 | 4,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 4,480 |
| Cost of funding earning assets | 0.7790% | 3,122 |
| Net interest margin | 3.5123% | 4,595 |
| Noninterest income to average assets | 0.6849% | 2,785 |
| Noninterest expense to average assets | 3.2135% | 2,522 |
| Loan and lease loss provision to assets | 0.0666% | 4,856 |
| Net operating income to assets | 0.4353% | 5,098 |
| Return on assets (ROA) | 0.4353% | 5,332 |
| Pretax return on assets | 0.7067% | 4,836 |
| Return on Equity (ROE) | 4.7324% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.7324% | 3,574 |
| Net charge-offs to loans | 0.0018% | 5,752 |
| Credit loss provision to net charge-offs | 5,200.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 605.4962% | 68 |
| Efficiency ratio | 80.6037% | 2,000 |
| Assets per employee ($millions) | 4.4980% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,296 |
| Loan loss allowance to noncurrent loans | 28.8329% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 2.2778% | 2,340 |
| Noncurrent loans to loans | 3.2304% | 1,706 |
| Net loans and leases to total assets | 69.8563% | 1,933 |
| Net loans and leases to deposits | 80.4807% | 2,319 |
| Net loans and leases to core deposits | 82.2889% | 2,927 |
| Total domestic deposits to total assets | 86.7989% | 2,799 |
| Equity capital to assets | 9.0512% | 5,773 |
| Core capital (leverage) ratio | 8.9451% | 5,134 |
| Tier 1 risk-based capital ratio | 14.3583% | 4,292 |
| Total risk-based capital ratio | 15.5139% | 4,314 |
| Memoranda: | ||
| Average total assets | $104,142,750 | 4,771 |
| Average earning assets | $97,900,750 | 4,693 |
| Average equity | $9,579,000 | 5,133 |
| Average total loans | $75,781,000 | 4,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 3,939 |
| Cost of funding earning assets | 0.7980% | 3,207 |
| Net interest margin | 3.6627% | 3,980 |
| Noninterest income to average assets | 0.6805% | 2,770 |
| Noninterest expense to average assets | 3.2448% | 2,453 |
| Loan and lease loss provision to assets | 0.0680% | 4,778 |
| Net operating income to assets | 0.4938% | 4,843 |
| Return on assets (ROA) | 0.4938% | 5,095 |
| Pretax return on assets | 0.8029% | 4,466 |
| Return on Equity (ROE) | 5.3389% | 4,652 |
| Retained earnings to average equity (ytd only) | 5.3389% | 3,072 |
| Net charge-offs to loans | 0.0026% | 5,478 |
| Credit loss provision to net charge-offs | 3,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 89 |
| Efficiency ratio | 78.8380% | 2,346 |
| Assets per employee ($millions) | 4.1261% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 6,411 |
| Loan loss allowance to noncurrent loans | 59.2466% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 4,126 |
| Noncurrent loans to loans | 1.5515% | 3,581 |
| Net loans and leases to total assets | 72.3127% | 1,511 |
| Net loans and leases to deposits | 83.7585% | 1,882 |
| Net loans and leases to core deposits | 85.7360% | 2,462 |
| Total domestic deposits to total assets | 86.3347% | 3,174 |
| Equity capital to assets | 9.3668% | 5,238 |
| Core capital (leverage) ratio | 8.8530% | 5,123 |
| Tier 1 risk-based capital ratio | 15.0546% | 3,734 |
| Total risk-based capital ratio | 16.1385% | 3,796 |
| Memoranda: | ||
| Average total assets | $102,872,670 | 4,831 |
| Average earning assets | $96,485,670 | 4,749 |
| Average equity | $9,515,000 | 5,153 |
| Average total loans | $75,667,670 | 4,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 3,807 |
| Cost of funding earning assets | 0.7869% | 3,570 |
| Net interest margin | 3.7399% | 3,633 |
| Noninterest income to average assets | 0.5918% | 3,289 |
| Noninterest expense to average assets | 3.2473% | 2,448 |
| Loan and lease loss provision to assets | 0.0701% | 4,528 |
| Net operating income to assets | 0.4867% | 4,885 |
| Return on assets (ROA) | 0.4867% | 5,086 |
| Pretax return on assets | 0.7904% | 4,449 |
| Return on Equity (ROE) | 5.2958% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.2958% | 3,379 |
| Net charge-offs to loans | 0.0053% | 4,681 |
| Credit loss provision to net charge-offs | 1,800.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 161 |
| Efficiency ratio | 79.0521% | 2,343 |
| Assets per employee ($millions) | 4.3512% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,599 |
| Loan loss allowance to noncurrent loans | 116.7820% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 5,493 |
| Noncurrent loans to loans | 0.7485% | 5,166 |
| Net loans and leases to total assets | 73.3041% | 1,171 |
| Net loans and leases to deposits | 86.9383% | 1,300 |
| Net loans and leases to core deposits | 89.0272% | 1,948 |
| Total domestic deposits to total assets | 84.3174% | 4,363 |
| Equity capital to assets | 9.0943% | 5,365 |
| Core capital (leverage) ratio | 8.8781% | 5,024 |
| Tier 1 risk-based capital ratio | 14.1207% | 4,379 |
| Total risk-based capital ratio | 15.2176% | 4,458 |
| Memoranda: | ||
| Average total assets | $102,733,000 | 4,872 |
| Average earning assets | $96,579,500 | 4,783 |
| Average equity | $9,441,500 | 5,183 |
| Average total loans | $75,859,500 | 4,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 4,457 |
| Cost of funding earning assets | 0.9009% | 4,111 |
| Net interest margin | 3.7485% | 4,089 |
| Noninterest income to average assets | 0.5414% | 3,574 |
| Noninterest expense to average assets | 3.2822% | 2,582 |
| Loan and lease loss provision to assets | 0.0901% | 5,459 |
| Net operating income to assets | 0.4193% | 4,775 |
| Return on assets (ROA) | 0.4370% | 4,907 |
| Pretax return on assets | 0.7144% | 4,275 |
| Return on Equity (ROE) | 4.7439% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.7439% | 2,825 |
| Net charge-offs to loans | 0.0027% | 6,414 |
| Credit loss provision to net charge-offs | 4,400.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 379.5000% | 92 |
| Efficiency ratio | 80.8623% | 2,180 |
| Assets per employee ($millions) | 4.8113% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,574 |
| Loan loss allowance to noncurrent loans | 71.7557% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 4,796 |
| Noncurrent loans to loans | 1.2310% | 4,309 |
| Net loans and leases to total assets | 73.0775% | 1,441 |
| Net loans and leases to deposits | 88.0730% | 1,370 |
| Net loans and leases to core deposits | 90.2917% | 2,081 |
| Total domestic deposits to total assets | 82.9737% | 4,759 |
| Equity capital to assets | 9.2896% | 5,162 |
| Core capital (leverage) ratio | 9.0766% | 4,657 |
| Tier 1 risk-based capital ratio | 15.0181% | 3,628 |
| Total risk-based capital ratio | 16.1761% | 3,650 |
| Memoranda: | ||
| Average total assets | $97,707,600 | 4,960 |
| Average earning assets | $91,690,200 | 4,866 |
| Average equity | $9,001,000 | 5,275 |
| Average total loans | $73,270,400 | 4,372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 4,842 |
| Cost of funding earning assets | 0.9221% | 4,260 |
| Net interest margin | 3.6855% | 4,401 |
| Noninterest income to average assets | 0.4955% | 3,902 |
| Noninterest expense to average assets | 3.3128% | 2,455 |
| Loan and lease loss provision to assets | 0.1087% | 5,080 |
| Net operating income to assets | 0.3234% | 5,313 |
| Return on assets (ROA) | 0.3234% | 5,479 |
| Pretax return on assets | 0.5285% | 5,044 |
| Return on Equity (ROE) | 3.5187% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.5187% | 4,234 |
| Net charge-offs to loans | 0.0055% | 6,103 |
| Credit loss provision to net charge-offs | 2,633.3333% | 107 |
| Earnings coverage of net charge-offs (x) | 154.3300% | 252 |
| Efficiency ratio | 83.8676% | 1,743 |
| Assets per employee ($millions) | 4.7703% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,709 |
| Loan loss allowance to noncurrent loans | 50.1548% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 4,229 |
| Noncurrent loans to loans | 1.7076% | 3,747 |
| Net loans and leases to total assets | 74.8815% | 1,162 |
| Net loans and leases to deposits | 90.7281% | 1,134 |
| Net loans and leases to core deposits | 92.7576% | 1,911 |
| Total domestic deposits to total assets | 82.5339% | 4,862 |
| Equity capital to assets | 9.1558% | 5,579 |
| Core capital (leverage) ratio | 9.0569% | 4,840 |
| Tier 1 risk-based capital ratio | 14.9129% | 3,712 |
| Total risk-based capital ratio | 16.0709% | 3,740 |
| Memoranda: | ||
| Average total assets | $96,875,000 | 5,010 |
| Average earning assets | $90,804,250 | 4,931 |
| Average equity | $8,904,750 | 5,335 |
| Average total loans | $72,964,500 | 4,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 4,971 |
| Cost of funding earning assets | 0.9437% | 4,369 |
| Net interest margin | 3.6544% | 4,497 |
| Noninterest income to average assets | 0.4239% | 4,477 |
| Noninterest expense to average assets | 3.3057% | 2,538 |
| Loan and lease loss provision to assets | 0.1086% | 4,942 |
| Net operating income to assets | 0.2610% | 5,512 |
| Return on assets (ROA) | 0.2610% | 5,637 |
| Pretax return on assets | 0.4302% | 5,295 |
| Return on Equity (ROE) | 2.8359% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.8359% | 4,482 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9859% | 1,602 |
| Assets per employee ($millions) | 4.4010% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,796 |
| Loan loss allowance to noncurrent loans | 54.3081% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 4,519 |
| Noncurrent loans to loans | 1.5486% | 4,082 |
| Net loans and leases to total assets | 75.9879% | 1,074 |
| Net loans and leases to deposits | 89.8250% | 1,297 |
| Net loans and leases to core deposits | 91.8468% | 2,156 |
| Total domestic deposits to total assets | 84.5954% | 4,080 |
| Equity capital to assets | 9.2427% | 5,215 |
| Core capital (leverage) ratio | 9.0956% | 4,575 |
| Tier 1 risk-based capital ratio | 14.4547% | 3,821 |
| Total risk-based capital ratio | 15.5565% | 3,910 |
| Memoranda: | ||
| Average total assets | $95,774,330 | 5,079 |
| Average earning assets | $89,645,670 | 5,006 |
| Average equity | $8,815,670 | 5,373 |
| Average total loans | $72,065,330 | 4,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 4,753 |
| Cost of funding earning assets | 0.9418% | 4,630 |
| Net interest margin | 3.7043% | 4,075 |
| Noninterest income to average assets | 0.4325% | 4,433 |
| Noninterest expense to average assets | 3.3386% | 2,449 |
| Loan and lease loss provision to assets | 0.0672% | 5,155 |
| Net operating income to assets | 0.2940% | 5,440 |
| Return on assets (ROA) | 0.2940% | 5,512 |
| Pretax return on assets | 0.4787% | 5,092 |
| Return on Equity (ROE) | 3.2004% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.2004% | 4,256 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9459% | 1,722 |
| Assets per employee ($millions) | 4.3574% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 6,869 |
| Loan loss allowance to noncurrent loans | 237.0968% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 5,164 |
| Noncurrent loans to loans | 0.3481% | 6,294 |
| Net loans and leases to total assets | 73.6948% | 1,392 |
| Net loans and leases to deposits | 85.1875% | 1,852 |
| Net loans and leases to core deposits | 87.0754% | 2,724 |
| Total domestic deposits to total assets | 86.5089% | 3,228 |
| Equity capital to assets | 9.1422% | 4,967 |
| Core capital (leverage) ratio | 9.0013% | 4,612 |
| Tier 1 risk-based capital ratio | 13.6781% | 4,303 |
| Total risk-based capital ratio | 14.7053% | 4,434 |
| Memoranda: | ||
| Average total assets | $95,250,500 | 5,128 |
| Average earning assets | $88,761,500 | 5,063 |
| Average equity | $8,749,000 | 5,395 |
| Average total loans | $70,999,500 | 4,585 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 5,914 |
| Cost of funding earning assets | 1.0605% | 5,365 |
| Net interest margin | 3.6020% | 4,811 |
| Noninterest income to average assets | 0.6074% | 3,429 |
| Noninterest expense to average assets | 3.1553% | 3,254 |
| Loan and lease loss provision to assets | 0.4206% | 3,587 |
| Net operating income to assets | 0.2470% | 5,118 |
| Return on assets (ROA) | 0.3501% | 4,904 |
| Pretax return on assets | 0.5572% | 4,458 |
| Return on Equity (ROE) | 3.7818% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.7818% | 3,216 |
| Net charge-offs to loans | 1.1001% | 2,028 |
| Credit loss provision to net charge-offs | 53.6054% | 6,203 |
| Earnings coverage of net charge-offs (x) | 1.0408% | 5,070 |
| Efficiency ratio | 79.4410% | 2,492 |
| Assets per employee ($millions) | 4.5066% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 6,948 |
| Loan loss allowance to noncurrent loans | 215.0376% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 5,218 |
| Noncurrent loans to loans | 0.3759% | 6,300 |
| Net loans and leases to total assets | 74.1700% | 1,624 |
| Net loans and leases to deposits | 87.0654% | 1,929 |
| Net loans and leases to core deposits | 89.0458% | 2,892 |
| Total domestic deposits to total assets | 85.1888% | 3,760 |
| Equity capital to assets | 9.2289% | 4,793 |
| Core capital (leverage) ratio | 9.1171% | 4,322 |
| Tier 1 risk-based capital ratio | 13.6958% | 4,063 |
| Total risk-based capital ratio | 14.7075% | 4,213 |
| Memoranda: | ||
| Average total assets | $93,682,200 | 5,170 |
| Average earning assets | $87,506,000 | 5,099 |
| Average equity | $8,673,200 | 5,509 |
| Average total loans | $66,813,000 | 4,796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 6,351 |
| Cost of funding earning assets | 1.0800% | 5,549 |
| Net interest margin | 3.5116% | 5,243 |
| Noninterest income to average assets | 0.5950% | 3,471 |
| Noninterest expense to average assets | 3.0635% | 3,523 |
| Loan and lease loss provision to assets | 0.5679% | 2,663 |
| Net operating income to assets | 0.1602% | 5,616 |
| Return on assets (ROA) | 0.2954% | 5,356 |
| Pretax return on assets | 0.4594% | 5,046 |
| Return on Equity (ROE) | 3.1877% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.1877% | 4,195 |
| Net charge-offs to loans | 0.4173% | 3,619 |
| Credit loss provision to net charge-offs | 193.2039% | 1,851 |
| Earnings coverage of net charge-offs (x) | 2.7767% | 3,753 |
| Efficiency ratio | 78.9629% | 2,493 |
| Assets per employee ($millions) | 4.6219% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,398 |
| Loan loss allowance to noncurrent loans | 41.4634% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.8830% | 2,520 |
| Noncurrent loans to loans | 3.9382% | 1,920 |
| Net loans and leases to total assets | 72.0115% | 2,246 |
| Net loans and leases to deposits | 83.7140% | 2,753 |
| Net loans and leases to core deposits | 85.6452% | 3,709 |
| Total domestic deposits to total assets | 86.0209% | 3,063 |
| Equity capital to assets | 9.5058% | 4,830 |
| Core capital (leverage) ratio | 9.1197% | 4,499 |
| Tier 1 risk-based capital ratio | 14.5429% | 3,489 |
| Total risk-based capital ratio | 15.8020% | 3,450 |
| Memoranda: | ||
| Average total assets | $93,443,250 | 5,235 |
| Average earning assets | $87,404,500 | 5,162 |
| Average equity | $8,658,000 | 5,581 |
| Average total loans | $65,825,000 | 4,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 6,478 |
| Cost of funding earning assets | 1.0975% | 5,685 |
| Net interest margin | 3.4948% | 5,268 |
| Noninterest income to average assets | 0.3775% | 5,106 |
| Noninterest expense to average assets | 2.9687% | 3,825 |
| Loan and lease loss provision to assets | 0.3263% | 3,789 |
| Net operating income to assets | 0.2337% | 5,442 |
| Return on assets (ROA) | 0.3306% | 5,218 |
| Pretax return on assets | 0.5140% | 4,864 |
| Return on Equity (ROE) | 3.5984% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.5984% | 3,808 |
| Net charge-offs to loans | 0.0031% | 6,339 |
| Credit loss provision to net charge-offs | 15,300.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 104 |
| Efficiency ratio | 81.1662% | 2,277 |
| Assets per employee ($millions) | 4.6778% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,574 |
| Loan loss allowance to noncurrent loans | 38.6991% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 2,439 |
| Noncurrent loans to loans | 4.0610% | 1,859 |
| Net loans and leases to total assets | 71.2953% | 2,595 |
| Net loans and leases to deposits | 82.7279% | 3,130 |
| Net loans and leases to core deposits | 84.6030% | 4,055 |
| Total domestic deposits to total assets | 86.1805% | 2,993 |
| Equity capital to assets | 9.3666% | 4,901 |
| Core capital (leverage) ratio | 8.9151% | 4,730 |
| Tier 1 risk-based capital ratio | 14.6026% | 3,384 |
| Total risk-based capital ratio | 15.8609% | 3,349 |
| Memoranda: | ||
| Average total assets | $93,778,330 | 5,259 |
| Average earning assets | $88,016,330 | 5,172 |
| Average equity | $8,615,000 | 5,606 |
| Average total loans | $65,209,670 | 4,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 6,510 |
| Cost of funding earning assets | 1.1009% | 5,908 |
| Net interest margin | 3.5156% | 5,101 |
| Noninterest income to average assets | 0.3579% | 5,277 |
| Noninterest expense to average assets | 2.9311% | 3,945 |
| Loan and lease loss provision to assets | 0.1875% | 4,631 |
| Net operating income to assets | 0.3396% | 5,127 |
| Return on assets (ROA) | 0.3451% | 5,228 |
| Pretax return on assets | 0.5538% | 4,774 |
| Return on Equity (ROE) | 3.7935% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.7935% | 3,866 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,563 |
| Assets per employee ($millions) | 4.9784% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 4,084 |
| Loan loss allowance to noncurrent loans | 35.3267% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 2.8640% | 2,518 |
| Noncurrent loans to loans | 4.1548% | 1,852 |
| Net loans and leases to total assets | 67.9191% | 3,406 |
| Net loans and leases to deposits | 78.6456% | 3,913 |
| Net loans and leases to core deposits | 80.3965% | 4,717 |
| Total domestic deposits to total assets | 86.3610% | 2,955 |
| Equity capital to assets | 9.1163% | 5,111 |
| Core capital (leverage) ratio | 8.9362% | 4,671 |
| Tier 1 risk-based capital ratio | 14.6911% | 3,263 |
| Total risk-based capital ratio | 15.9470% | 3,230 |
| Memoranda: | ||
| Average total assets | $93,889,500 | 5,321 |
| Average earning assets | $88,291,000 | 5,229 |
| Average equity | $8,541,000 | 5,681 |
| Average total loans | $63,931,500 | 5,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 6,824 |
| Cost of funding earning assets | 1.4417% | 5,758 |
| Net interest margin | 3.4144% | 5,314 |
| Noninterest income to average assets | 0.4517% | 4,793 |
| Noninterest expense to average assets | 3.0282% | 4,035 |
| Loan and lease loss provision to assets | 0.6337% | 3,272 |
| Net operating income to assets | 0.0034% | 5,472 |
| Return on assets (ROA) | 0.1292% | 5,175 |
| Pretax return on assets | 0.1843% | 5,041 |
| Return on Equity (ROE) | 1.3589% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.3589% | 4,100 |
| Net charge-offs to loans | 0.1355% | 5,850 |
| Credit loss provision to net charge-offs | 705.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 7.1000% | 2,218 |
| Efficiency ratio | 82.5927% | 2,537 |
| Assets per employee ($millions) | 5.1772% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 3,938 |
| Loan loss allowance to noncurrent loans | 33.8650% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 2.8930% | 2,424 |
| Noncurrent loans to loans | 4.3024% | 1,678 |
| Net loans and leases to total assets | 66.2614% | 4,092 |
| Net loans and leases to deposits | 79.4261% | 4,098 |
| Net loans and leases to core deposits | 88.7109% | 5,252 |
| Total domestic deposits to total assets | 83.4253% | 4,317 |
| Equity capital to assets | 9.0772% | 5,018 |
| Core capital (leverage) ratio | 8.9693% | 4,476 |
| Tier 1 risk-based capital ratio | 14.6330% | 3,138 |
| Total risk-based capital ratio | 15.7553% | 3,158 |
| Memoranda: | ||
| Average total assets | $88,998,000 | 5,422 |
| Average earning assets | $83,791,600 | 5,338 |
| Average equity | $8,463,000 | 5,776 |
| Average total loans | $59,019,200 | 5,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 6,843 |
| Cost of funding earning assets | 1.5054% | 5,795 |
| Net interest margin | 3.4106% | 5,218 |
| Noninterest income to average assets | 0.4609% | 4,813 |
| Noninterest expense to average assets | 3.1214% | 3,576 |
| Loan and lease loss provision to assets | 0.7716% | 2,444 |
| Net operating income to assets | -0.1507% | 5,986 |
| Return on assets (ROA) | 0.0045% | 5,758 |
| Pretax return on assets | 0.0182% | 5,670 |
| Return on Equity (ROE) | 0.0473% | 5,761 |
| Retained earnings to average equity (ytd only) | 0.0473% | 5,186 |
| Net charge-offs to loans | 0.1836% | 4,921 |
| Credit loss provision to net charge-offs | 636.2500% | 591 |
| Earnings coverage of net charge-offs (x) | 4.5127% | 3,115 |
| Efficiency ratio | 85.0826% | 2,174 |
| Assets per employee ($millions) | 5.0591% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,471 |
| Loan loss allowance to noncurrent loans | 43.5976% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 3,144 |
| Noncurrent loans to loans | 3.4319% | 2,184 |
| Net loans and leases to total assets | 62.0300% | 5,237 |
| Net loans and leases to deposits | 71.6195% | 5,714 |
| Net loans and leases to core deposits | 81.4568% | 6,236 |
| Total domestic deposits to total assets | 86.6105% | 2,372 |
| Equity capital to assets | 9.2880% | 5,055 |
| Core capital (leverage) ratio | 9.0059% | 4,643 |
| Tier 1 risk-based capital ratio | 15.3762% | 2,878 |
| Total risk-based capital ratio | 16.4853% | 2,882 |
| Memoranda: | ||
| Average total assets | $87,950,000 | 5,480 |
| Average earning assets | $82,719,750 | 5,405 |
| Average equity | $8,464,000 | 5,831 |
| Average total loans | $58,108,500 | 5,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 7,040 |
| Cost of funding earning assets | 1.5529% | 5,912 |
| Net interest margin | 3.3418% | 5,397 |
| Noninterest income to average assets | 0.3981% | 5,311 |
| Noninterest expense to average assets | 3.0698% | 3,815 |
| Loan and lease loss provision to assets | 0.4418% | 3,341 |
| Net operating income to assets | 0.0249% | 5,775 |
| Return on assets (ROA) | 0.1059% | 5,646 |
| Pretax return on assets | 0.1726% | 5,536 |
| Return on Equity (ROE) | 1.0867% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.0867% | 4,725 |
| Net charge-offs to loans | 0.2741% | 3,825 |
| Credit loss provision to net charge-offs | 240.0000% | 1,941 |
| Earnings coverage of net charge-offs (x) | 2.6500% | 3,749 |
| Efficiency ratio | 86.2872% | 2,201 |
| Assets per employee ($millions) | 4.7040% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,709 |
| Loan loss allowance to noncurrent loans | 27.3094% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2165% | 2,923 |
| Noncurrent loans to loans | 3.3480% | 2,102 |
| Net loans and leases to total assets | 65.5970% | 4,648 |
| Net loans and leases to deposits | 76.8187% | 5,055 |
| Net loans and leases to core deposits | 87.5764% | 5,758 |
| Total domestic deposits to total assets | 85.3921% | 3,067 |
| Equity capital to assets | 9.4712% | 4,647 |
| Core capital (leverage) ratio | 9.0901% | 4,484 |
| Tier 1 risk-based capital ratio | 14.9262% | 3,054 |
| Total risk-based capital ratio | 15.9083% | 3,106 |
| Memoranda: | ||
| Average total assets | $86,912,000 | 5,559 |
| Average earning assets | $82,171,000 | 5,459 |
| Average equity | $8,466,000 | 5,858 |
| Average total loans | $58,363,000 | 5,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 7,234 |
| Cost of funding earning assets | 1.5914% | 6,068 |
| Net interest margin | 3.2820% | 5,565 |
| Noninterest income to average assets | 0.3268% | 5,838 |
| Noninterest expense to average assets | 3.0579% | 3,525 |
| Loan and lease loss provision to assets | 0.2148% | 4,299 |
| Net operating income to assets | 0.0887% | 6,013 |
| Return on assets (ROA) | 0.0887% | 6,178 |
| Pretax return on assets | 0.1447% | 6,064 |
| Return on Equity (ROE) | 0.8977% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.8977% | 5,294 |
| Net charge-offs to loans | 0.5452% | 2,092 |
| Credit loss provision to net charge-offs | 58.2278% | 4,550 |
| Earnings coverage of net charge-offs (x) | 0.9747% | 4,285 |
| Efficiency ratio | 89.4809% | 1,764 |
| Assets per employee ($millions) | 4.9021% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 7,507 |
| Loan loss allowance to noncurrent loans | 20.6357% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 2.1748% | 2,636 |
| Noncurrent loans to loans | 3.2963% | 1,942 |
| Net loans and leases to total assets | 65.5281% | 4,695 |
| Net loans and leases to deposits | 76.1431% | 5,202 |
| Net loans and leases to core deposits | 86.8886% | 5,840 |
| Total domestic deposits to total assets | 86.0591% | 2,678 |
| Equity capital to assets | 9.6581% | 4,443 |
| Core capital (leverage) ratio | 9.3362% | 4,193 |
| Tier 1 risk-based capital ratio | 14.8598% | 3,131 |
| Total risk-based capital ratio | 15.5784% | 3,333 |
| Memoranda: | ||
| Average total assets | $85,680,000 | 5,620 |
| Average earning assets | $80,681,500 | 5,529 |
| Average equity | $8,466,500 | 5,891 |
| Average total loans | $57,960,000 | 5,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 7,589 |
| Cost of funding earning assets | 1.9442% | 6,598 |
| Net interest margin | 3.3636% | 5,806 |
| Noninterest income to average assets | 0.3260% | 6,114 |
| Noninterest expense to average assets | 3.0901% | 3,737 |
| Loan and lease loss provision to assets | 0.1461% | 5,490 |
| Net operating income to assets | 0.1642% | 5,948 |
| Return on assets (ROA) | 0.1642% | 5,782 |
| Pretax return on assets | 0.2632% | 5,594 |
| Return on Equity (ROE) | 1.6878% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.6878% | 4,203 |
| Net charge-offs to loans | 0.0107% | 6,778 |
| Credit loss provision to net charge-offs | 2,016.6667% | 220 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 699 |
| Efficiency ratio | 88.3023% | 1,655 |
| Assets per employee ($millions) | 4.6179% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 7,318 |
| Loan loss allowance to noncurrent loans | 22.9780% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 2,168 |
| Noncurrent loans to loans | 3.2355% | 1,620 |
| Net loans and leases to total assets | 68.9039% | 4,279 |
| Net loans and leases to deposits | 79.7746% | 5,082 |
| Net loans and leases to core deposits | 91.6253% | 5,673 |
| Total domestic deposits to total assets | 86.3732% | 2,229 |
| Equity capital to assets | 10.1187% | 3,902 |
| Core capital (leverage) ratio | 9.7038% | 3,760 |
| Tier 1 risk-based capital ratio | 14.8822% | 3,107 |
| Total risk-based capital ratio | 15.6634% | 3,249 |
| Memoranda: | ||
| Average total assets | $82,812,800 | 5,603 |
| Average earning assets | $78,131,000 | 5,491 |
| Average equity | $8,058,000 | 6,070 |
| Average total loans | $56,240,800 | 5,435 |