Home > American Bank & Trust Wisconsin > Performance and Condition Ratios
American Bank & Trust Wisconsin, 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 | 4.6952% | 2,243 |
| Cost of funding earning assets | 0.8253% | 2,397 |
| Net interest margin | 3.8700% | 2,281 |
| Noninterest income to average assets | 0.3558% | 3,476 |
| Noninterest expense to average assets | 2.4247% | 3,704 |
| Loan and lease loss provision to assets | 0.0684% | 2,293 |
| Net operating income to assets | 1.1200% | 2,391 |
| Return on assets (ROA) | 1.1200% | 2,441 |
| Pretax return on assets | 1.4781% | 1,843 |
| Return on Equity (ROE) | 9.0251% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.0251% | 1,311 |
| 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 | 61.0569% | 3,672 |
| Assets per employee ($millions) | 4.8369% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,655 |
| Loan loss allowance to noncurrent loans | 139.8050% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 1,989 |
| Noncurrent loans to loans | 0.8488% | 1,938 |
| Net loans and leases to total assets | 82.3015% | 558 |
| Net loans and leases to deposits | 103.7193% | 407 |
| Net loans and leases to core deposits | 108.7065% | 1,006 |
| Total domestic deposits to total assets | 79.3502% | 4,289 |
| Equity capital to assets | 12.6625% | 1,648 |
| Core capital (leverage) ratio | 11.3541% | 2,239 |
| Tier 1 risk-based capital ratio | 13.9305% | 3,377 |
| Total risk-based capital ratio | 15.1744% | 3,296 |
| Memoranda: | ||
| Average total assets | $175,359,500 | 3,137 |
| Average earning assets | $163,825,500 | 3,129 |
| Average equity | $21,761,500 | 2,999 |
| Average total loans | $147,441,000 | 2,717 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 2,083 |
| Cost of funding earning assets | 0.6768% | 2,230 |
| Net interest margin | 3.9424% | 2,187 |
| Noninterest income to average assets | 0.4303% | 3,241 |
| Noninterest expense to average assets | 2.4231% | 3,823 |
| Loan and lease loss provision to assets | 0.0432% | 3,320 |
| Net operating income to assets | 1.2167% | 2,101 |
| Return on assets (ROA) | 1.2167% | 2,093 |
| Pretax return on assets | 1.6404% | 1,341 |
| Return on Equity (ROE) | 9.8395% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.6583% | 1,391 |
| Net charge-offs to loans | 0.0115% | 3,291 |
| Credit loss provision to net charge-offs | 450.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 175.5625% | 498 |
| Efficiency ratio | 59.0047% | 4,017 |
| Assets per employee ($millions) | 5.0455% | 2,440 |
| Cash dividends to net income (ytd only)* | 22.1675% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 2,934 |
| Loan loss allowance to noncurrent loans | 227.8976% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,672 |
| Noncurrent loans to loans | 0.4952% | 2,785 |
| Net loans and leases to total assets | 83.9001% | 424 |
| Net loans and leases to deposits | 104.8060% | 437 |
| Net loans and leases to core deposits | 111.2605% | 921 |
| Total domestic deposits to total assets | 80.0528% | 4,097 |
| Equity capital to assets | 12.1603% | 1,784 |
| Core capital (leverage) ratio | 11.0278% | 2,501 |
| Tier 1 risk-based capital ratio | 13.2789% | 3,675 |
| Total risk-based capital ratio | 14.4743% | 3,595 |
| Memoranda: | ||
| Average total assets | $166,849,800 | 3,200 |
| Average earning assets | $155,588,600 | 3,178 |
| Average equity | $20,631,200 | 3,028 |
| Average total loans | $138,941,000 | 2,781 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 2,061 |
| Cost of funding earning assets | 0.6349% | 2,245 |
| Net interest margin | 3.9389% | 2,164 |
| Noninterest income to average assets | 0.4257% | 3,318 |
| Noninterest expense to average assets | 2.4085% | 3,838 |
| Loan and lease loss provision to assets | 0.0438% | 3,115 |
| Net operating income to assets | 1.2488% | 2,052 |
| Return on assets (ROA) | 1.2488% | 2,061 |
| Pretax return on assets | 1.6511% | 1,414 |
| Return on Equity (ROE) | 10.0550% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.1169% | 2,068 |
| Net charge-offs to loans | -0.0049% | 4,226 |
| Credit loss provision to net charge-offs | -1,080.0000% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6957% | 4,009 |
| Assets per employee ($millions) | 4.7327% | 2,805 |
| Cash dividends to net income (ytd only)* | 29.2211% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,702 |
| Loan loss allowance to noncurrent loans | 188.7402% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,635 |
| Noncurrent loans to loans | 0.6285% | 2,512 |
| Net loans and leases to total assets | 82.7754% | 592 |
| Net loans and leases to deposits | 101.9717% | 654 |
| Net loans and leases to core deposits | 110.5519% | 998 |
| Total domestic deposits to total assets | 81.1748% | 3,820 |
| Equity capital to assets | 12.2803% | 1,717 |
| Core capital (leverage) ratio | 10.9711% | 2,611 |
| Tier 1 risk-based capital ratio | 13.4407% | 3,659 |
| Total risk-based capital ratio | 14.6846% | 3,582 |
| Memoranda: | ||
| Average total assets | $164,414,500 | 3,254 |
| Average earning assets | $153,508,500 | 3,232 |
| Average equity | $20,420,500 | 3,077 |
| Average total loans | $136,213,500 | 2,828 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,115 |
| Cost of funding earning assets | 0.5683% | 2,447 |
| Net interest margin | 3.9226% | 2,132 |
| Noninterest income to average assets | 0.4470% | 3,172 |
| Noninterest expense to average assets | 2.4282% | 3,830 |
| Loan and lease loss provision to assets | 0.0443% | 3,013 |
| Net operating income to assets | 1.2387% | 2,029 |
| Return on assets (ROA) | 1.2387% | 2,024 |
| Pretax return on assets | 1.6377% | 1,385 |
| Return on Equity (ROE) | 9.9343% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.9718% | 2,086 |
| Net charge-offs to loans | -0.0075% | 4,214 |
| Credit loss provision to net charge-offs | -720.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0773% | 4,072 |
| Assets per employee ($millions) | 4.6638% | 2,867 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,766 |
| Loan loss allowance to noncurrent loans | 182.8603% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 2,593 |
| Noncurrent loans to loans | 0.6528% | 2,476 |
| Net loans and leases to total assets | 82.5750% | 642 |
| Net loans and leases to deposits | 102.0079% | 661 |
| Net loans and leases to core deposits | 108.7099% | 1,073 |
| Total domestic deposits to total assets | 80.9496% | 4,009 |
| Equity capital to assets | 12.2557% | 1,692 |
| Core capital (leverage) ratio | 11.2282% | 2,320 |
| Tier 1 risk-based capital ratio | 13.4692% | 3,634 |
| Total risk-based capital ratio | 14.7191% | 3,549 |
| Memoranda: | ||
| Average total assets | $162,426,670 | 3,293 |
| Average earning assets | $151,685,000 | 3,270 |
| Average equity | $20,253,000 | 3,107 |
| Average total loans | $134,043,330 | 2,867 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 2,070 |
| Cost of funding earning assets | 0.5293% | 2,545 |
| Net interest margin | 3.9069% | 2,022 |
| Noninterest income to average assets | 0.4083% | 3,404 |
| Noninterest expense to average assets | 2.4648% | 3,757 |
| Loan and lease loss provision to assets | 0.0451% | 2,865 |
| Net operating income to assets | 1.1698% | 2,137 |
| Return on assets (ROA) | 1.1698% | 2,149 |
| Pretax return on assets | 1.5405% | 1,566 |
| Return on Equity (ROE) | 9.2977% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.3113% | 2,579 |
| Net charge-offs to loans | -0.0153% | 4,428 |
| Credit loss provision to net charge-offs | -360.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8534% | 3,956 |
| Assets per employee ($millions) | 4.4058% | 3,312 |
| Cash dividends to net income (ytd only)* | 32.1199% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,607 |
| Loan loss allowance to noncurrent loans | 180.4135% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 2,587 |
| Noncurrent loans to loans | 0.6844% | 2,495 |
| Net loans and leases to total assets | 83.6119% | 476 |
| Net loans and leases to deposits | 100.8134% | 649 |
| Net loans and leases to core deposits | 107.6699% | 1,145 |
| Total domestic deposits to total assets | 82.9373% | 3,685 |
| Equity capital to assets | 12.7370% | 1,368 |
| Core capital (leverage) ratio | 11.1280% | 2,314 |
| Tier 1 risk-based capital ratio | 13.8847% | 3,439 |
| Total risk-based capital ratio | 15.1352% | 3,356 |
| Memoranda: | ||
| Average total assets | $159,691,500 | 3,357 |
| Average earning assets | $148,866,000 | 3,350 |
| Average equity | $20,091,000 | 3,149 |
| Average total loans | $130,907,000 | 2,922 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,083 |
| Cost of funding earning assets | 0.4445% | 2,829 |
| Net interest margin | 3.9343% | 1,970 |
| Noninterest income to average assets | 0.4382% | 3,389 |
| Noninterest expense to average assets | 2.5470% | 3,616 |
| Loan and lease loss provision to assets | 0.0518% | 3,192 |
| Net operating income to assets | 0.7944% | 3,189 |
| Return on assets (ROA) | 0.7948% | 3,231 |
| Pretax return on assets | 1.4952% | 1,662 |
| Return on Equity (ROE) | 6.2224% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,020 |
| Net charge-offs to loans | 0.0227% | 3,351 |
| Credit loss provision to net charge-offs | 285.7143% | 978 |
| Earnings coverage of net charge-offs (x) | 85.3214% | 733 |
| Efficiency ratio | 62.2233% | 3,901 |
| Assets per employee ($millions) | 4.7286% | 2,827 |
| Cash dividends to net income (ytd only)* | 40.7166% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,311 |
| Loan loss allowance to noncurrent loans | 162.5249% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 2,451 |
| Noncurrent loans to loans | 0.7888% | 2,243 |
| Net loans and leases to total assets | 78.3118% | 1,248 |
| Net loans and leases to deposits | 93.6647% | 1,310 |
| Net loans and leases to core deposits | 100.8838% | 1,643 |
| Total domestic deposits to total assets | 83.6087% | 3,351 |
| Equity capital to assets | 12.4274% | 1,558 |
| Core capital (leverage) ratio | 11.0006% | 2,337 |
| Tier 1 risk-based capital ratio | 14.7507% | 2,961 |
| Total risk-based capital ratio | 16.0025% | 2,897 |
| Memoranda: | ||
| Average total assets | $154,495,600 | 3,420 |
| Average earning assets | $143,532,600 | 3,405 |
| Average equity | $19,735,200 | 3,173 |
| Average total loans | $123,253,800 | 3,010 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,122 |
| Cost of funding earning assets | 0.4160% | 3,031 |
| Net interest margin | 3.9290% | 1,936 |
| Noninterest income to average assets | 0.3967% | 3,707 |
| Noninterest expense to average assets | 2.4717% | 3,820 |
| Loan and lease loss provision to assets | 0.0392% | 3,324 |
| Net operating income to assets | 0.9986% | 2,561 |
| Return on assets (ROA) | 0.9991% | 2,613 |
| Pretax return on assets | 1.5345% | 1,649 |
| Return on Equity (ROE) | 7.7664% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.3945% | 2,608 |
| Net charge-offs to loans | 0.0011% | 3,749 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,808.4737% | 45 |
| Efficiency ratio | 61.1123% | 4,029 |
| Assets per employee ($millions) | 4.6497% | 2,902 |
| Cash dividends to net income (ytd only)* | 30.5414% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,397 |
| Loan loss allowance to noncurrent loans | 155.1001% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 2,509 |
| Noncurrent loans to loans | 0.8329% | 2,282 |
| Net loans and leases to total assets | 78.6420% | 1,172 |
| Net loans and leases to deposits | 95.8145% | 1,126 |
| Net loans and leases to core deposits | 99.5189% | 1,747 |
| Total domestic deposits to total assets | 82.0774% | 3,755 |
| Equity capital to assets | 12.7237% | 1,531 |
| Core capital (leverage) ratio | 11.2335% | 2,239 |
| Tier 1 risk-based capital ratio | 14.8279% | 3,000 |
| Total risk-based capital ratio | 16.0796% | 2,931 |
| Memoranda: | ||
| Average total assets | $152,926,000 | 3,463 |
| Average earning assets | $141,983,500 | 3,451 |
| Average equity | $19,674,000 | 3,199 |
| Average total loans | $122,182,250 | 3,048 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,045 |
| Cost of funding earning assets | 0.3895% | 3,186 |
| Net interest margin | 3.9367% | 1,819 |
| Noninterest income to average assets | 0.3757% | 3,870 |
| Noninterest expense to average assets | 2.5277% | 3,668 |
| Loan and lease loss provision to assets | 0.0397% | 3,215 |
| Net operating income to assets | 0.9510% | 2,651 |
| Return on assets (ROA) | 0.9510% | 2,708 |
| Pretax return on assets | 1.4576% | 1,803 |
| Return on Equity (ROE) | 7.3642% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,518 |
| Net charge-offs to loans | 0.0017% | 3,459 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 1,132.0000% | 58 |
| Efficiency ratio | 62.7999% | 3,849 |
| Assets per employee ($millions) | 4.5246% | 3,060 |
| Cash dividends to net income (ytd only)* | 27.8164% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,403 |
| Loan loss allowance to noncurrent loans | 153.5238% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,483 |
| Noncurrent loans to loans | 0.8480% | 2,287 |
| Net loans and leases to total assets | 79.4450% | 1,031 |
| Net loans and leases to deposits | 96.1967% | 1,058 |
| Net loans and leases to core deposits | 101.9053% | 1,515 |
| Total domestic deposits to total assets | 82.5860% | 3,687 |
| Equity capital to assets | 12.9014% | 1,421 |
| Core capital (leverage) ratio | 11.5098% | 1,966 |
| Tier 1 risk-based capital ratio | 14.3905% | 3,225 |
| Total risk-based capital ratio | 15.6420% | 3,148 |
| Memoranda: | ||
| Average total assets | $151,204,330 | 3,507 |
| Average earning assets | $140,167,670 | 3,492 |
| Average equity | $19,527,000 | 3,211 |
| Average total loans | $120,925,330 | 3,077 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,135 |
| Cost of funding earning assets | 0.3714% | 3,297 |
| Net interest margin | 3.8692% | 1,891 |
| Noninterest income to average assets | 0.3229% | 4,238 |
| Noninterest expense to average assets | 2.5859% | 3,542 |
| Loan and lease loss provision to assets | 0.0400% | 3,003 |
| Net operating income to assets | 0.8451% | 3,014 |
| Return on assets (ROA) | 0.8433% | 3,067 |
| Pretax return on assets | 1.2810% | 2,298 |
| Return on Equity (ROE) | 6.5266% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.4612% | 3,189 |
| Net charge-offs to loans | 0.0033% | 2,856 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 113 |
| Efficiency ratio | 66.1433% | 3,470 |
| Assets per employee ($millions) | 4.5598% | 3,079 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,462 |
| Loan loss allowance to noncurrent loans | 188.3255% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 2,857 |
| Noncurrent loans to loans | 0.6983% | 2,752 |
| Net loans and leases to total assets | 79.6460% | 881 |
| Net loans and leases to deposits | 94.7069% | 1,044 |
| Net loans and leases to core deposits | 95.7818% | 1,830 |
| Total domestic deposits to total assets | 84.0974% | 3,443 |
| Equity capital to assets | 12.9559% | 1,271 |
| Core capital (leverage) ratio | 11.4008% | 2,027 |
| Tier 1 risk-based capital ratio | 14.3985% | 3,258 |
| Total risk-based capital ratio | 15.6501% | 3,184 |
| Memoranda: | ||
| Average total assets | $149,888,500 | 3,552 |
| Average earning assets | $138,942,500 | 3,540 |
| Average equity | $19,367,000 | 3,244 |
| Average total loans | $119,474,500 | 3,115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 2,794 |
| Cost of funding earning assets | 0.3780% | 3,227 |
| Net interest margin | 3.7355% | 2,553 |
| Noninterest income to average assets | 0.3688% | 4,107 |
| Noninterest expense to average assets | 2.6953% | 3,351 |
| Loan and lease loss provision to assets | 0.0503% | 3,385 |
| Net operating income to assets | 0.7208% | 3,686 |
| Return on assets (ROA) | 0.7208% | 3,802 |
| Pretax return on assets | 1.0889% | 3,145 |
| Return on Equity (ROE) | 5.6497% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.5475% | 3,403 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2920% | 2,854 |
| Assets per employee ($millions) | 4.3913% | 3,292 |
| Cash dividends to net income (ytd only)* | 37.2093% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,314 |
| Loan loss allowance to noncurrent loans | 121.3957% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,055 |
| Noncurrent loans to loans | 1.1097% | 1,866 |
| Net loans and leases to total assets | 77.6424% | 1,259 |
| Net loans and leases to deposits | 92.4921% | 1,370 |
| Net loans and leases to core deposits | 93.5497% | 2,151 |
| Total domestic deposits to total assets | 83.9449% | 3,441 |
| Equity capital to assets | 12.8857% | 1,309 |
| Core capital (leverage) ratio | 11.3423% | 2,045 |
| Tier 1 risk-based capital ratio | 14.5986% | 3,152 |
| Total risk-based capital ratio | 15.8506% | 3,086 |
| Memoranda: | ||
| Average total assets | $149,146,600 | 3,534 |
| Average earning assets | $138,374,400 | 3,516 |
| Average equity | $19,027,400 | 3,268 |
| Average total loans | $116,744,600 | 3,116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,884 |
| Cost of funding earning assets | 0.3736% | 3,297 |
| Net interest margin | 3.7245% | 2,620 |
| Noninterest income to average assets | 0.3380% | 4,362 |
| Noninterest expense to average assets | 2.5878% | 3,708 |
| Loan and lease loss provision to assets | 0.0671% | 2,878 |
| Net operating income to assets | 0.7538% | 3,588 |
| Return on assets (ROA) | 0.7538% | 3,719 |
| Pretax return on assets | 1.1419% | 3,078 |
| Return on Equity (ROE) | 5.9236% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.8155% | 3,595 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1583% | 3,196 |
| Assets per employee ($millions) | 4.4901% | 3,103 |
| Cash dividends to net income (ytd only)* | 35.5872% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,460 |
| Loan loss allowance to noncurrent loans | 96.0558% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 1,704 |
| Noncurrent loans to loans | 1.4001% | 1,574 |
| Net loans and leases to total assets | 78.3685% | 1,134 |
| Net loans and leases to deposits | 93.3794% | 1,334 |
| Net loans and leases to core deposits | 95.2327% | 2,072 |
| Total domestic deposits to total assets | 83.9249% | 3,230 |
| Equity capital to assets | 13.0145% | 1,481 |
| Core capital (leverage) ratio | 11.1350% | 2,325 |
| Tier 1 risk-based capital ratio | 14.5177% | 3,280 |
| Total risk-based capital ratio | 15.7693% | 3,212 |
| Memoranda: | ||
| Average total assets | $149,107,000 | 3,554 |
| Average earning assets | $138,466,500 | 3,537 |
| Average equity | $18,974,500 | 3,299 |
| Average total loans | $116,554,000 | 3,129 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 2,923 |
| Cost of funding earning assets | 0.3615% | 3,435 |
| Net interest margin | 3.7229% | 2,606 |
| Noninterest income to average assets | 0.3320% | 4,406 |
| Noninterest expense to average assets | 2.6008% | 3,719 |
| Loan and lease loss provision to assets | 0.0803% | 2,534 |
| Net operating income to assets | 0.7335% | 3,635 |
| Return on assets (ROA) | 0.7335% | 3,798 |
| Pretax return on assets | 1.1110% | 3,159 |
| Return on Equity (ROE) | 5.8078% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.6881% | 3,543 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5845% | 3,229 |
| Assets per employee ($millions) | 4.4317% | 3,158 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,452 |
| Loan loss allowance to noncurrent loans | 98.2456% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1601% | 1,819 |
| Noncurrent loans to loans | 1.3922% | 1,606 |
| Net loans and leases to total assets | 75.0428% | 1,640 |
| Net loans and leases to deposits | 90.3500% | 1,714 |
| Net loans and leases to core deposits | 92.1826% | 2,330 |
| Total domestic deposits to total assets | 83.0579% | 3,628 |
| Equity capital to assets | 12.6933% | 1,663 |
| Core capital (leverage) ratio | 11.0854% | 2,341 |
| Tier 1 risk-based capital ratio | 14.6658% | 3,221 |
| Total risk-based capital ratio | 15.9182% | 3,165 |
| Memoranda: | ||
| Average total assets | $149,418,330 | 3,571 |
| Average earning assets | $138,869,330 | 3,550 |
| Average equity | $18,871,330 | 3,318 |
| Average total loans | $116,170,670 | 3,137 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,123 |
| Cost of funding earning assets | 0.3434% | 3,676 |
| Net interest margin | 3.6847% | 2,733 |
| Noninterest income to average assets | 0.3710% | 4,072 |
| Noninterest expense to average assets | 2.6346% | 3,638 |
| Loan and lease loss provision to assets | 0.0807% | 2,342 |
| Net operating income to assets | 0.7232% | 3,605 |
| Return on assets (ROA) | 0.7232% | 3,717 |
| Pretax return on assets | 1.0888% | 3,137 |
| Return on Equity (ROE) | 5.7405% | 4,109 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,690 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2580% | 3,255 |
| Assets per employee ($millions) | 4.3366% | 3,351 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,950 |
| Loan loss allowance to noncurrent loans | 200.2604% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 3,193 |
| Noncurrent loans to loans | 0.6453% | 3,236 |
| Net loans and leases to total assets | 79.6690% | 865 |
| Net loans and leases to deposits | 96.1583% | 930 |
| Net loans and leases to core deposits | 98.0011% | 1,637 |
| Total domestic deposits to total assets | 82.8519% | 3,949 |
| Equity capital to assets | 12.8055% | 1,508 |
| Core capital (leverage) ratio | 11.1737% | 2,246 |
| Tier 1 risk-based capital ratio | 13.8602% | 3,781 |
| Total risk-based capital ratio | 15.1108% | 3,717 |
| Memoranda: | ||
| Average total assets | $148,788,500 | 3,598 |
| Average earning assets | $138,626,000 | 3,580 |
| Average equity | $18,744,000 | 3,338 |
| Average total loans | $116,935,500 | 3,133 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 2,844 |
| Cost of funding earning assets | 0.3798% | 3,370 |
| Net interest margin | 3.7404% | 2,603 |
| Noninterest income to average assets | 0.3824% | 4,168 |
| Noninterest expense to average assets | 2.5823% | 3,981 |
| Loan and lease loss provision to assets | 0.1225% | 1,957 |
| Net operating income to assets | 0.7648% | 3,495 |
| Return on assets (ROA) | 0.7648% | 3,585 |
| Pretax return on assets | 1.1357% | 2,903 |
| Return on Equity (ROE) | 6.1530% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.5108% | 2,773 |
| Net charge-offs to loans | -0.0046% | 4,957 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2395% | 3,706 |
| Assets per employee ($millions) | 4.4156% | 3,183 |
| Cash dividends to net income (ytd only)* | 26.6904% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,824 |
| Loan loss allowance to noncurrent loans | 475.7098% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 4,148 |
| Noncurrent loans to loans | 0.2760% | 4,469 |
| Net loans and leases to total assets | 75.5049% | 1,490 |
| Net loans and leases to deposits | 89.0618% | 1,736 |
| Net loans and leases to core deposits | 89.4985% | 2,454 |
| Total domestic deposits to total assets | 84.7781% | 3,182 |
| Equity capital to assets | 12.3938% | 1,674 |
| Core capital (leverage) ratio | 11.0306% | 2,372 |
| Tier 1 risk-based capital ratio | 13.8312% | 3,812 |
| Total risk-based capital ratio | 15.0820% | 3,738 |
| Memoranda: | ||
| Average total assets | $146,961,800 | 3,617 |
| Average earning assets | $135,867,200 | 3,599 |
| Average equity | $18,267,400 | 3,345 |
| Average total loans | $109,188,000 | 3,213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 2,955 |
| Cost of funding earning assets | 0.3873% | 3,365 |
| Net interest margin | 3.7095% | 2,727 |
| Noninterest income to average assets | 0.4743% | 3,542 |
| Noninterest expense to average assets | 2.5568% | 4,026 |
| Loan and lease loss provision to assets | 0.1231% | 1,849 |
| Net operating income to assets | 0.7790% | 3,530 |
| Return on assets (ROA) | 0.7790% | 3,617 |
| Pretax return on assets | 1.2196% | 2,734 |
| Return on Equity (ROE) | 6.2623% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.7957% | 3,058 |
| Net charge-offs to loans | -0.0062% | 4,863 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5673% | 3,966 |
| Assets per employee ($millions) | 4.1894% | 3,535 |
| Cash dividends to net income (ytd only)* | 23.4192% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 2,881 |
| Loan loss allowance to noncurrent loans | 468.9103% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 4,160 |
| Noncurrent loans to loans | 0.2869% | 4,554 |
| Net loans and leases to total assets | 75.3279% | 1,487 |
| Net loans and leases to deposits | 89.4030% | 1,725 |
| Net loans and leases to core deposits | 89.8672% | 2,480 |
| Total domestic deposits to total assets | 84.2565% | 3,320 |
| Equity capital to assets | 12.9921% | 1,450 |
| Core capital (leverage) ratio | 11.0849% | 2,399 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,554 |
| Total risk-based capital ratio | 15.7787% | 3,471 |
| Memoranda: | ||
| Average total assets | $146,169,250 | 3,657 |
| Average earning assets | $134,964,250 | 3,650 |
| Average equity | $18,182,500 | 3,385 |
| Average total loans | $107,768,750 | 3,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,725 |
| Cost of funding earning assets | 0.3885% | 3,385 |
| Net interest margin | 3.7595% | 2,476 |
| Noninterest income to average assets | 0.4966% | 3,399 |
| Noninterest expense to average assets | 2.5425% | 4,096 |
| Loan and lease loss provision to assets | 0.1221% | 1,807 |
| Net operating income to assets | 0.8263% | 3,236 |
| Return on assets (ROA) | 0.8263% | 3,352 |
| Pretax return on assets | 1.2984% | 2,368 |
| Return on Equity (ROE) | 6.7387% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.6322% | 2,444 |
| Net charge-offs to loans | -0.0130% | 5,011 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1561% | 4,329 |
| Assets per employee ($millions) | 4.2021% | 3,465 |
| Cash dividends to net income (ytd only)* | 16.4204% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 3,121 |
| Loan loss allowance to noncurrent loans | 584.3621% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 4,471 |
| Noncurrent loans to loans | 0.2264% | 4,868 |
| Net loans and leases to total assets | 74.1436% | 1,636 |
| Net loans and leases to deposits | 87.9466% | 1,844 |
| Net loans and leases to core deposits | 88.1368% | 2,539 |
| Total domestic deposits to total assets | 84.3053% | 3,446 |
| Equity capital to assets | 12.7955% | 1,496 |
| Core capital (leverage) ratio | 10.8332% | 2,578 |
| Tier 1 risk-based capital ratio | 14.1838% | 3,823 |
| Total risk-based capital ratio | 15.4341% | 3,751 |
| Memoranda: | ||
| Average total assets | $147,412,330 | 3,667 |
| Average earning assets | $135,921,330 | 3,665 |
| Average equity | $18,074,670 | 3,412 |
| Average total loans | $107,438,330 | 3,293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,292 |
| Cost of funding earning assets | 0.3894% | 3,421 |
| Net interest margin | 3.8560% | 2,043 |
| Noninterest income to average assets | 0.3447% | 4,441 |
| Noninterest expense to average assets | 2.5146% | 4,219 |
| Loan and lease loss provision to assets | 0.1203% | 1,723 |
| Net operating income to assets | 0.9032% | 2,730 |
| Return on assets (ROA) | 0.9032% | 2,854 |
| Pretax return on assets | 1.2560% | 2,444 |
| Return on Equity (ROE) | 7.5230% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.5230% | 1,753 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6291% | 4,374 |
| Assets per employee ($millions) | 4.3859% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,666 |
| Loan loss allowance to noncurrent loans | 219.9357% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 2,358 |
| Noncurrent loans to loans | 0.5701% | 3,874 |
| Net loans and leases to total assets | 72.2516% | 1,767 |
| Net loans and leases to deposits | 84.8811% | 1,968 |
| Net loans and leases to core deposits | 85.0547% | 2,648 |
| Total domestic deposits to total assets | 85.1209% | 3,347 |
| Equity capital to assets | 12.1981% | 1,890 |
| Core capital (leverage) ratio | 10.5422% | 2,907 |
| Tier 1 risk-based capital ratio | 13.7669% | 4,173 |
| Total risk-based capital ratio | 14.9966% | 4,103 |
| Memoranda: | ||
| Average total assets | $149,683,500 | 3,659 |
| Average earning assets | $137,654,000 | 3,661 |
| Average equity | $17,971,500 | 3,448 |
| Average total loans | $107,483,000 | 3,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,974 |
| Cost of funding earning assets | 0.4660% | 3,015 |
| Net interest margin | 3.4729% | 3,887 |
| Noninterest income to average assets | 0.3658% | 4,471 |
| Noninterest expense to average assets | 2.4642% | 4,657 |
| Loan and lease loss provision to assets | 0.2698% | 806 |
| Net operating income to assets | 0.5614% | 4,553 |
| Return on assets (ROA) | 0.5614% | 4,643 |
| Pretax return on assets | 0.8235% | 4,177 |
| Return on Equity (ROE) | 4.6259% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.6259% | 2,882 |
| Net charge-offs to loans | 0.3391% | 1,294 |
| Credit loss provision to net charge-offs | 106.6482% | 2,243 |
| Earnings coverage of net charge-offs (x) | 4.3213% | 3,684 |
| Efficiency ratio | 69.2671% | 3,662 |
| Assets per employee ($millions) | 4.4190% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,720 |
| Loan loss allowance to noncurrent loans | 65.0762% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 1,207 |
| Noncurrent loans to loans | 1.9206% | 1,465 |
| Net loans and leases to total assets | 69.5744% | 2,293 |
| Net loans and leases to deposits | 81.3789% | 2,557 |
| Net loans and leases to core deposits | 81.5433% | 3,148 |
| Total domestic deposits to total assets | 85.4944% | 3,084 |
| Equity capital to assets | 11.8160% | 2,161 |
| Core capital (leverage) ratio | 10.4286% | 3,027 |
| Tier 1 risk-based capital ratio | 13.8637% | 4,200 |
| Total risk-based capital ratio | 15.0884% | 4,146 |
| Memoranda: | ||
| Average total assets | $142,685,600 | 3,745 |
| Average earning assets | $131,128,600 | 3,742 |
| Average equity | $17,315,600 | 3,485 |
| Average total loans | $106,472,600 | 3,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,907 |
| Cost of funding earning assets | 0.4815% | 2,944 |
| Net interest margin | 3.4834% | 3,892 |
| Noninterest income to average assets | 0.3684% | 4,479 |
| Noninterest expense to average assets | 2.5502% | 4,363 |
| Loan and lease loss provision to assets | 0.1989% | 1,201 |
| Net operating income to assets | 0.5417% | 4,704 |
| Return on assets (ROA) | 0.5417% | 4,780 |
| Pretax return on assets | 0.8258% | 4,266 |
| Return on Equity (ROE) | 4.4324% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.4324% | 3,498 |
| Net charge-offs to loans | 0.4489% | 879 |
| Credit loss provision to net charge-offs | 58.4958% | 2,962 |
| Earnings coverage of net charge-offs (x) | 3.0140% | 3,764 |
| Efficiency ratio | 71.3377% | 3,290 |
| Assets per employee ($millions) | 4.1935% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 4,739 |
| Loan loss allowance to noncurrent loans | 54.9976% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.2535% | 1,214 |
| Noncurrent loans to loans | 2.0048% | 1,582 |
| Net loans and leases to total assets | 72.3471% | 1,790 |
| Net loans and leases to deposits | 85.1355% | 2,016 |
| Net loans and leases to core deposits | 85.8497% | 2,682 |
| Total domestic deposits to total assets | 84.9787% | 3,345 |
| Equity capital to assets | 12.2908% | 1,836 |
| Core capital (leverage) ratio | 10.6286% | 2,894 |
| Tier 1 risk-based capital ratio | 14.0277% | 4,193 |
| Total risk-based capital ratio | 15.1215% | 4,249 |
| Memoranda: | ||
| Average total assets | $140,795,750 | 3,813 |
| Average earning assets | $129,602,500 | 3,795 |
| Average equity | $17,206,250 | 3,514 |
| Average total loans | $106,627,000 | 3,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,877 |
| Cost of funding earning assets | 0.4869% | 2,955 |
| Net interest margin | 3.4768% | 3,871 |
| Noninterest income to average assets | 0.3623% | 4,524 |
| Noninterest expense to average assets | 2.5749% | 4,332 |
| Loan and lease loss provision to assets | 0.1926% | 1,271 |
| Net operating income to assets | 0.5207% | 4,726 |
| Return on assets (ROA) | 0.5207% | 4,817 |
| Pretax return on assets | 0.7931% | 4,301 |
| Return on Equity (ROE) | 4.2689% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.2689% | 3,459 |
| Net charge-offs to loans | 0.0149% | 3,938 |
| Credit loss provision to net charge-offs | 1,687.5000% | 222 |
| Earnings coverage of net charge-offs (x) | 86.3750% | 618 |
| Efficiency ratio | 72.3157% | 3,281 |
| Assets per employee ($millions) | 4.2616% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,713 |
| Loan loss allowance to noncurrent loans | 27.4178% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 3.9329% | 553 |
| Noncurrent loans to loans | 4.8394% | 429 |
| Net loans and leases to total assets | 75.4055% | 1,249 |
| Net loans and leases to deposits | 88.3465% | 1,556 |
| Net loans and leases to core deposits | 88.9080% | 2,219 |
| Total domestic deposits to total assets | 85.3519% | 3,342 |
| Equity capital to assets | 12.3278% | 1,757 |
| Core capital (leverage) ratio | 10.6321% | 2,786 |
| Tier 1 risk-based capital ratio | 13.6989% | 4,453 |
| Total risk-based capital ratio | 14.9500% | 4,402 |
| Memoranda: | ||
| Average total assets | $140,201,670 | 3,847 |
| Average earning assets | $128,970,330 | 3,833 |
| Average equity | $17,100,330 | 3,534 |
| Average total loans | $107,402,330 | 3,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 4,019 |
| Cost of funding earning assets | 0.4941% | 2,965 |
| Net interest margin | 3.4217% | 4,018 |
| Noninterest income to average assets | 0.3772% | 4,372 |
| Noninterest expense to average assets | 2.5145% | 4,570 |
| Loan and lease loss provision to assets | 0.1714% | 1,412 |
| Net operating income to assets | 0.5458% | 4,475 |
| Return on assets (ROA) | 0.5458% | 4,547 |
| Pretax return on assets | 0.8372% | 3,947 |
| Return on Equity (ROE) | 4.4989% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.4989% | 3,420 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3706% | 3,597 |
| Assets per employee ($millions) | 4.1329% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,311 |
| Loan loss allowance to noncurrent loans | 25.2415% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 4.0927% | 564 |
| Noncurrent loans to loans | 5.0109% | 444 |
| Net loans and leases to total assets | 75.4969% | 1,060 |
| Net loans and leases to deposits | 89.1030% | 1,243 |
| Net loans and leases to core deposits | 89.6731% | 1,940 |
| Total domestic deposits to total assets | 84.7300% | 3,982 |
| Equity capital to assets | 12.1786% | 1,758 |
| Core capital (leverage) ratio | 10.6068% | 2,799 |
| Tier 1 risk-based capital ratio | 13.6123% | 4,599 |
| Total risk-based capital ratio | 14.8630% | 4,554 |
| Memoranda: | ||
| Average total assets | $139,986,000 | 3,880 |
| Average earning assets | $128,706,500 | 3,872 |
| Average equity | $16,982,000 | 3,552 |
| Average total loans | $107,368,000 | 3,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 3,605 |
| Cost of funding earning assets | 0.5598% | 3,023 |
| Net interest margin | 3.5742% | 3,582 |
| Noninterest income to average assets | 0.3956% | 4,481 |
| Noninterest expense to average assets | 2.4812% | 4,830 |
| Loan and lease loss provision to assets | 0.0657% | 3,813 |
| Net operating income to assets | 0.7176% | 3,705 |
| Return on assets (ROA) | 0.7176% | 3,793 |
| Pretax return on assets | 1.1300% | 2,852 |
| Return on Equity (ROE) | 5.9730% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.9730% | 1,991 |
| Net charge-offs to loans | 0.1320% | 3,484 |
| Credit loss provision to net charge-offs | 68.7023% | 3,340 |
| Earnings coverage of net charge-offs (x) | 12.5038% | 2,120 |
| Efficiency ratio | 67.4806% | 4,292 |
| Assets per employee ($millions) | 4.1016% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 4,608 |
| Loan loss allowance to noncurrent loans | 63.1502% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 2,130 |
| Noncurrent loans to loans | 1.9172% | 2,098 |
| Net loans and leases to total assets | 76.0044% | 1,076 |
| Net loans and leases to deposits | 89.6664% | 1,263 |
| Net loans and leases to core deposits | 90.2436% | 1,996 |
| Total domestic deposits to total assets | 84.7635% | 3,864 |
| Equity capital to assets | 12.0835% | 1,747 |
| Core capital (leverage) ratio | 10.4420% | 2,972 |
| Tier 1 risk-based capital ratio | 13.4479% | 4,684 |
| Total risk-based capital ratio | 14.6802% | 4,642 |
| Memoranda: | ||
| Average total assets | $136,992,400 | 3,933 |
| Average earning assets | $125,763,800 | 3,930 |
| Average equity | $16,457,400 | 3,634 |
| Average total loans | $99,242,600 | 3,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 3,628 |
| Cost of funding earning assets | 0.5690% | 3,087 |
| Net interest margin | 3.5644% | 3,601 |
| Noninterest income to average assets | 0.4351% | 4,266 |
| Noninterest expense to average assets | 2.5331% | 4,609 |
| Loan and lease loss provision to assets | 0.0440% | 4,133 |
| Net operating income to assets | 0.7215% | 3,748 |
| Return on assets (ROA) | 0.7215% | 3,880 |
| Pretax return on assets | 1.1282% | 2,988 |
| Return on Equity (ROE) | 6.0149% | 4,177 |
| Retained earnings to average equity (ytd only) | 6.0149% | 2,393 |
| Net charge-offs to loans | 0.1289% | 3,238 |
| Credit loss provision to net charge-offs | 47.8723% | 3,560 |
| Earnings coverage of net charge-offs (x) | 12.7554% | 2,097 |
| Efficiency ratio | 68.3641% | 4,020 |
| Assets per employee ($millions) | 4.0216% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,529 |
| Loan loss allowance to noncurrent loans | 75.4089% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 2,612 |
| Noncurrent loans to loans | 1.6868% | 2,662 |
| Net loans and leases to total assets | 73.2830% | 1,402 |
| Net loans and leases to deposits | 86.3185% | 1,580 |
| Net loans and leases to core deposits | 87.0830% | 2,274 |
| Total domestic deposits to total assets | 84.8983% | 3,794 |
| Equity capital to assets | 12.1682% | 1,808 |
| Core capital (leverage) ratio | 10.3779% | 3,134 |
| Tier 1 risk-based capital ratio | 13.6032% | 4,687 |
| Total risk-based capital ratio | 14.8530% | 4,646 |
| Memoranda: | ||
| Average total assets | $136,376,750 | 3,989 |
| Average earning assets | $125,122,000 | 3,979 |
| Average equity | $16,359,000 | 3,693 |
| Average total loans | $97,230,500 | 3,547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 3,731 |
| Cost of funding earning assets | 0.5700% | 3,220 |
| Net interest margin | 3.5306% | 3,655 |
| Noninterest income to average assets | 0.4183% | 4,389 |
| Noninterest expense to average assets | 2.4879% | 4,777 |
| Loan and lease loss provision to assets | 0.0440% | 4,085 |
| Net operating income to assets | 0.7163% | 3,734 |
| Return on assets (ROA) | 0.7163% | 3,903 |
| Pretax return on assets | 1.1229% | 3,001 |
| Return on Equity (ROE) | 6.0002% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.0002% | 2,441 |
| Net charge-offs to loans | 0.0584% | 3,866 |
| Credit loss provision to net charge-offs | 107.1429% | 2,068 |
| Earnings coverage of net charge-offs (x) | 28.3929% | 1,187 |
| Efficiency ratio | 68.0723% | 4,167 |
| Assets per employee ($millions) | 4.0743% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,133 |
| Loan loss allowance to noncurrent loans | 64.5503% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 2,187 |
| Noncurrent loans to loans | 2.1358% | 2,244 |
| Net loans and leases to total assets | 69.2991% | 2,019 |
| Net loans and leases to deposits | 81.1445% | 2,164 |
| Net loans and leases to core deposits | 81.8488% | 2,814 |
| Total domestic deposits to total assets | 85.4021% | 3,695 |
| Equity capital to assets | 11.8179% | 2,032 |
| Core capital (leverage) ratio | 10.1353% | 3,313 |
| Tier 1 risk-based capital ratio | 13.7594% | 4,597 |
| Total risk-based capital ratio | 15.0106% | 4,567 |
| Memoranda: | ||
| Average total assets | $136,258,000 | 4,017 |
| Average earning assets | $124,907,330 | 4,016 |
| Average equity | $16,266,000 | 3,727 |
| Average total loans | $95,809,670 | 3,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,558 |
| Cost of funding earning assets | 0.5730% | 3,349 |
| Net interest margin | 3.5674% | 3,396 |
| Noninterest income to average assets | 0.4144% | 4,352 |
| Noninterest expense to average assets | 2.4955% | 4,770 |
| Loan and lease loss provision to assets | 0.0444% | 3,863 |
| Net operating income to assets | 0.7223% | 3,578 |
| Return on assets (ROA) | 0.7223% | 3,716 |
| Pretax return on assets | 1.1367% | 2,833 |
| Return on Equity (ROE) | 6.0197% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.0197% | 2,668 |
| Net charge-offs to loans | 0.0126% | 3,893 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 293 |
| Efficiency ratio | 67.8744% | 4,330 |
| Assets per employee ($millions) | 4.0035% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,163 |
| Loan loss allowance to noncurrent loans | 192.8673% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 4,240 |
| Noncurrent loans to loans | 0.7335% | 4,666 |
| Net loans and leases to total assets | 69.2127% | 1,797 |
| Net loans and leases to deposits | 81.2115% | 1,934 |
| Net loans and leases to core deposits | 82.2861% | 2,535 |
| Total domestic deposits to total assets | 85.2253% | 3,936 |
| Equity capital to assets | 11.9955% | 2,048 |
| Core capital (leverage) ratio | 10.1901% | 3,160 |
| Tier 1 risk-based capital ratio | 13.7638% | 4,684 |
| Total risk-based capital ratio | 15.0155% | 4,647 |
| Memoranda: | ||
| Average total assets | $135,123,500 | 4,084 |
| Average earning assets | $123,565,000 | 4,075 |
| Average equity | $16,213,500 | 3,784 |
| Average total loans | $95,044,500 | 3,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 3,355 |
| Cost of funding earning assets | 0.6797% | 3,653 |
| Net interest margin | 3.8307% | 3,098 |
| Noninterest income to average assets | 0.4480% | 4,257 |
| Noninterest expense to average assets | 2.4577% | 5,230 |
| Loan and lease loss provision to assets | 0.0904% | 4,562 |
| Net operating income to assets | 0.8893% | 2,870 |
| Return on assets (ROA) | 0.8893% | 3,111 |
| Pretax return on assets | 1.3885% | 2,081 |
| Return on Equity (ROE) | 7.6222% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.6222% | 1,269 |
| Net charge-offs to loans | 0.0538% | 5,179 |
| Credit loss provision to net charge-offs | 240.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 39.2800% | 811 |
| Efficiency ratio | 62.4331% | 5,178 |
| Assets per employee ($millions) | 3.9450% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,084 |
| Loan loss allowance to noncurrent loans | 173.3506% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 4,186 |
| Noncurrent loans to loans | 0.8178% | 4,551 |
| Net loans and leases to total assets | 69.4749% | 1,948 |
| Net loans and leases to deposits | 81.5361% | 2,066 |
| Net loans and leases to core deposits | 82.6307% | 2,704 |
| Total domestic deposits to total assets | 85.2075% | 3,762 |
| Equity capital to assets | 12.0026% | 2,048 |
| Core capital (leverage) ratio | 10.1845% | 3,160 |
| Tier 1 risk-based capital ratio | 13.7136% | 4,593 |
| Total risk-based capital ratio | 14.9651% | 4,540 |
| Memoranda: | ||
| Average total assets | $132,805,200 | 4,089 |
| Average earning assets | $120,943,800 | 4,093 |
| Average equity | $15,494,200 | 3,859 |
| Average total loans | $92,944,000 | 3,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 3,418 |
| Cost of funding earning assets | 0.7002% | 3,771 |
| Net interest margin | 3.8520% | 3,109 |
| Noninterest income to average assets | 0.4237% | 4,453 |
| Noninterest expense to average assets | 2.5453% | 4,939 |
| Loan and lease loss provision to assets | 0.0906% | 4,470 |
| Net operating income to assets | 0.8152% | 3,372 |
| Return on assets (ROA) | 0.8152% | 3,612 |
| Pretax return on assets | 1.2983% | 2,619 |
| Return on Equity (ROE) | 7.0388% | 3,788 |
| Retained earnings to average equity (ytd only) | 7.0388% | 2,105 |
| Net charge-offs to loans | 0.0720% | 4,686 |
| Credit loss provision to net charge-offs | 180.0000% | 1,546 |
| Earnings coverage of net charge-offs (x) | 27.5979% | 1,180 |
| Efficiency ratio | 64.6969% | 4,680 |
| Assets per employee ($millions) | 3.8376% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,295 |
| Loan loss allowance to noncurrent loans | 165.4040% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 4,243 |
| Noncurrent loans to loans | 0.8578% | 4,701 |
| Net loans and leases to total assets | 69.7563% | 1,960 |
| Net loans and leases to deposits | 81.8809% | 2,133 |
| Net loans and leases to core deposits | 83.2172% | 2,794 |
| Total domestic deposits to total assets | 85.1924% | 3,664 |
| Equity capital to assets | 12.0670% | 2,198 |
| Core capital (leverage) ratio | 10.0087% | 3,528 |
| Tier 1 risk-based capital ratio | 13.7892% | 4,693 |
| Total risk-based capital ratio | 15.0410% | 4,650 |
| Memoranda: | ||
| Average total assets | $132,474,250 | 4,125 |
| Average earning assets | $120,730,250 | 4,137 |
| Average equity | $15,343,000 | 3,922 |
| Average total loans | $92,548,500 | 3,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 3,336 |
| Cost of funding earning assets | 0.7106% | 3,935 |
| Net interest margin | 3.8944% | 2,930 |
| Noninterest income to average assets | 0.4281% | 4,445 |
| Noninterest expense to average assets | 2.5192% | 5,080 |
| Loan and lease loss provision to assets | 0.0901% | 4,444 |
| Net operating income to assets | 0.8562% | 3,107 |
| Return on assets (ROA) | 0.8562% | 3,376 |
| Pretax return on assets | 1.3670% | 2,331 |
| Return on Equity (ROE) | 7.4956% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.4956% | 1,876 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3547% | 5,015 |
| Assets per employee ($millions) | 3.9018% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 4,120 |
| Loan loss allowance to noncurrent loans | 184.9791% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 4,474 |
| Noncurrent loans to loans | 0.7996% | 4,909 |
| Net loans and leases to total assets | 66.7812% | 2,507 |
| Net loans and leases to deposits | 77.7293% | 2,717 |
| Net loans and leases to core deposits | 79.1445% | 3,349 |
| Total domestic deposits to total assets | 85.9151% | 3,396 |
| Equity capital to assets | 11.6750% | 2,437 |
| Core capital (leverage) ratio | 9.7998% | 3,717 |
| Tier 1 risk-based capital ratio | 13.7181% | 4,646 |
| Total risk-based capital ratio | 14.9556% | 4,633 |
| Memoranda: | ||
| Average total assets | $133,139,000 | 4,139 |
| Average earning assets | $121,301,330 | 4,146 |
| Average equity | $15,209,000 | 3,943 |
| Average total loans | $92,622,000 | 3,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 2,606 |
| Cost of funding earning assets | 0.7262% | 4,064 |
| Net interest margin | 4.0813% | 2,166 |
| Noninterest income to average assets | 0.4349% | 4,415 |
| Noninterest expense to average assets | 2.4682% | 5,254 |
| Loan and lease loss provision to assets | 0.0900% | 4,233 |
| Net operating income to assets | 0.9987% | 2,485 |
| Return on assets (ROA) | 0.9987% | 2,675 |
| Pretax return on assets | 1.6015% | 1,572 |
| Return on Equity (ROE) | 8.8390% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.8390% | 1,647 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3367% | 5,716 |
| Assets per employee ($millions) | 3.8960% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,423 |
| Loan loss allowance to noncurrent loans | 248.0916% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 4,799 |
| Noncurrent loans to loans | 0.5802% | 5,508 |
| Net loans and leases to total assets | 67.2037% | 2,252 |
| Net loans and leases to deposits | 78.7551% | 2,376 |
| Net loans and leases to core deposits | 80.1975% | 3,051 |
| Total domestic deposits to total assets | 85.3325% | 3,865 |
| Equity capital to assets | 11.5006% | 2,444 |
| Core capital (leverage) ratio | 9.6416% | 3,856 |
| Tier 1 risk-based capital ratio | 13.4191% | 4,889 |
| Total risk-based capital ratio | 14.6715% | 4,876 |
| Memoranda: | ||
| Average total assets | $133,378,500 | 4,158 |
| Average earning assets | $121,725,500 | 4,160 |
| Average equity | $15,069,500 | 3,980 |
| Average total loans | $93,972,000 | 3,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 2,412 |
| Cost of funding earning assets | 1.0685% | 2,893 |
| Net interest margin | 4.0429% | 2,663 |
| Noninterest income to average assets | 0.4210% | 4,437 |
| Noninterest expense to average assets | 2.5283% | 5,360 |
| Loan and lease loss provision to assets | 0.1368% | 4,913 |
| Net operating income to assets | 1.4621% | 899 |
| Return on assets (ROA) | 1.4621% | 976 |
| Pretax return on assets | 1.4621% | 1,587 |
| Return on Equity (ROE) | 13.8735% | 964 |
| Retained earnings to average equity (ytd only) | 12.7919% | 246 |
| Net charge-offs to loans | 0.1078% | 5,283 |
| Credit loss provision to net charge-offs | 169.8113% | 1,585 |
| Earnings coverage of net charge-offs (x) | 19.8491% | 1,155 |
| Efficiency ratio | 61.2594% | 5,568 |
| Assets per employee ($millions) | 4.0695% | 3,710 |
| Cash dividends to net income (ytd only)* | 7.7963% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,899 |
| Loan loss allowance to noncurrent loans | 465.2015% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,312 |
| Noncurrent loans to loans | 0.2796% | 6,165 |
| Net loans and leases to total assets | 71.7486% | 1,688 |
| Net loans and leases to deposits | 83.0352% | 2,064 |
| Net loans and leases to core deposits | 84.5144% | 2,814 |
| Total domestic deposits to total assets | 86.4074% | 3,071 |
| Equity capital to assets | 11.0988% | 2,892 |
| Core capital (leverage) ratio | 9.2943% | 4,340 |
| Tier 1 risk-based capital ratio | 12.2368% | 5,655 |
| Total risk-based capital ratio | 13.4878% | 5,631 |
| Memoranda: | ||
| Average total assets | $131,592,600 | 4,137 |
| Average earning assets | $120,632,400 | 4,120 |
| Average equity | $13,868,200 | 4,138 |
| Average total loans | $98,373,000 | 3,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 2,410 |
| Cost of funding earning assets | 1.1315% | 2,761 |
| Net interest margin | 4.0118% | 2,868 |
| Noninterest income to average assets | 0.3911% | 4,734 |
| Noninterest expense to average assets | 2.5471% | 5,293 |
| Loan and lease loss provision to assets | 0.1375% | 4,719 |
| Net operating income to assets | 1.1131% | 1,923 |
| Return on assets (ROA) | 1.1131% | 2,062 |
| Pretax return on assets | 1.3932% | 1,959 |
| Return on Equity (ROE) | 10.7084% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.2387% | 1,060 |
| Net charge-offs to loans | 0.1434% | 4,627 |
| Credit loss provision to net charge-offs | 127.3585% | 2,514 |
| Earnings coverage of net charge-offs (x) | 14.1792% | 1,553 |
| Efficiency ratio | 62.4625% | 5,340 |
| Assets per employee ($millions) | 3.8377% | 4,219 |
| Cash dividends to net income (ytd only)* | 13.7240% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,285 |
| Loan loss allowance to noncurrent loans | 306.2500% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 5,177 |
| Noncurrent loans to loans | 0.4059% | 6,041 |
| Net loans and leases to total assets | 74.5798% | 1,220 |
| Net loans and leases to deposits | 86.6623% | 1,595 |
| Net loans and leases to core deposits | 98.2692% | 1,403 |
| Total domestic deposits to total assets | 86.0580% | 3,190 |
| Equity capital to assets | 10.8512% | 3,288 |
| Core capital (leverage) ratio | 8.6677% | 5,459 |
| Tier 1 risk-based capital ratio | 11.5318% | 6,225 |
| Total risk-based capital ratio | 12.7818% | 6,213 |
| Memoranda: | ||
| Average total assets | $130,917,250 | 4,183 |
| Average earning assets | $120,309,750 | 4,144 |
| Average equity | $13,609,000 | 4,214 |
| Average total loans | $98,560,250 | 3,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 2,611 |
| Cost of funding earning assets | 1.1622% | 2,836 |
| Net interest margin | 3.9525% | 3,075 |
| Noninterest income to average assets | 0.4120% | 4,573 |
| Noninterest expense to average assets | 2.5683% | 5,295 |
| Loan and lease loss provision to assets | 0.1373% | 4,588 |
| Net operating income to assets | 1.1765% | 1,643 |
| Return on assets (ROA) | 1.1765% | 1,730 |
| Pretax return on assets | 1.3444% | 1,985 |
| Return on Equity (ROE) | 11.4855% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.2509% | 1,033 |
| Net charge-offs to loans | 0.0791% | 4,850 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 24.8974% | 1,053 |
| Efficiency ratio | 63.4137% | 5,342 |
| Assets per employee ($millions) | 3.9087% | 3,973 |
| Cash dividends to net income (ytd only)* | 19.4553% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 5,190 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 4,797 |
| Noncurrent loans to loans | 0.5260% | 5,854 |
| Net loans and leases to total assets | 72.8718% | 1,621 |
| Net loans and leases to deposits | 85.5798% | 1,847 |
| Net loans and leases to core deposits | 87.1604% | 2,744 |
| Total domestic deposits to total assets | 85.1507% | 3,810 |
| Equity capital to assets | 10.3894% | 3,646 |
| Core capital (leverage) ratio | 8.4358% | 5,651 |
| Tier 1 risk-based capital ratio | 11.1953% | 6,382 |
| Total risk-based capital ratio | 12.4460% | 6,375 |
| Memoranda: | ||
| Average total assets | $131,062,000 | 4,205 |
| Average earning assets | $120,632,330 | 4,175 |
| Average equity | $13,425,670 | 4,249 |
| Average total loans | $98,567,330 | 3,727 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 2,664 |
| Cost of funding earning assets | 1.1867% | 2,905 |
| Net interest margin | 3.9100% | 3,092 |
| Noninterest income to average assets | 0.4395% | 4,369 |
| Noninterest expense to average assets | 2.5817% | 5,291 |
| Loan and lease loss provision to assets | 0.1383% | 4,280 |
| Net operating income to assets | 1.2970% | 1,274 |
| Return on assets (ROA) | 1.2970% | 1,313 |
| Pretax return on assets | 1.3247% | 1,965 |
| Return on Equity (ROE) | 12.7541% | 1,258 |
| Retained earnings to average equity (ytd only) | 8.2206% | 1,655 |
| Net charge-offs to loans | -0.0081% | 6,311 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8298% | 5,387 |
| Assets per employee ($millions) | 3.9479% | 3,948 |
| Cash dividends to net income (ytd only)* | 35.5450% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,407 |
| Loan loss allowance to noncurrent loans | 117.9317% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,734 |
| Noncurrent loans to loans | 1.0587% | 4,937 |
| Net loans and leases to total assets | 75.4652% | 1,113 |
| Net loans and leases to deposits | 88.5052% | 1,405 |
| Net loans and leases to core deposits | 89.9629% | 2,350 |
| Total domestic deposits to total assets | 85.2663% | 3,907 |
| Equity capital to assets | 10.2579% | 3,462 |
| Core capital (leverage) ratio | 8.2418% | 5,916 |
| Tier 1 risk-based capital ratio | 10.9022% | 6,568 |
| Total risk-based capital ratio | 12.1531% | 6,548 |
| Memoranda: | ||
| Average total assets | $130,145,500 | 4,258 |
| Average earning assets | $119,998,500 | 4,221 |
| Average equity | $13,235,000 | 4,284 |
| Average total loans | $98,806,000 | 3,754 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 2,855 |
| Cost of funding earning assets | 1.3990% | 3,275 |
| Net interest margin | 3.9616% | 3,205 |
| Noninterest income to average assets | 0.5590% | 3,755 |
| Noninterest expense to average assets | 2.6118% | 5,366 |
| Loan and lease loss provision to assets | 0.2590% | 4,715 |
| Net operating income to assets | 1.2917% | 1,197 |
| Return on assets (ROA) | 1.2917% | 1,251 |
| Pretax return on assets | 1.3170% | 1,892 |
| Return on Equity (ROE) | 12.8610% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.1443% | 940 |
| Net charge-offs to loans | 0.1468% | 5,476 |
| Credit loss provision to net charge-offs | 226.2069% | 1,310 |
| Earnings coverage of net charge-offs (x) | 13.7655% | 1,390 |
| Efficiency ratio | 62.3680% | 5,665 |
| Assets per employee ($millions) | 3.9397% | 3,915 |
| Cash dividends to net income (ytd only)* | 36.6748% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 5,416 |
| Loan loss allowance to noncurrent loans | 83.9298% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 4,275 |
| Noncurrent loans to loans | 1.4533% | 4,305 |
| Net loans and leases to total assets | 74.4991% | 1,570 |
| Net loans and leases to deposits | 87.0015% | 1,937 |
| Net loans and leases to core deposits | 89.0410% | 2,893 |
| Total domestic deposits to total assets | 85.6297% | 3,533 |
| Equity capital to assets | 10.0807% | 3,644 |
| Core capital (leverage) ratio | 8.0876% | 6,047 |
| Tier 1 risk-based capital ratio | 10.7028% | 6,568 |
| Total risk-based capital ratio | 11.9532% | 6,536 |
| Memoranda: | ||
| Average total assets | $126,654,400 | 4,341 |
| Average earning assets | $116,013,000 | 4,319 |
| Average equity | $12,720,600 | 4,423 |
| Average total loans | $98,755,000 | 3,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 2,895 |
| Cost of funding earning assets | 1.4295% | 3,393 |
| Net interest margin | 3.9689% | 3,242 |
| Noninterest income to average assets | 0.5511% | 3,777 |
| Noninterest expense to average assets | 2.5730% | 5,416 |
| Loan and lease loss provision to assets | 0.2681% | 4,439 |
| Net operating income to assets | 1.3183% | 1,304 |
| Return on assets (ROA) | 1.3183% | 1,377 |
| Pretax return on assets | 1.3437% | 2,056 |
| Return on Equity (ROE) | 13.1384% | 1,222 |
| Retained earnings to average equity (ytd only) | 8.3858% | 1,277 |
| Net charge-offs to loans | 0.3679% | 3,839 |
| Credit loss provision to net charge-offs | 92.6740% | 4,669 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,719 |
| Efficiency ratio | 61.4839% | 5,710 |
| Assets per employee ($millions) | 3.8076% | 4,246 |
| Cash dividends to net income (ytd only)* | 36.1738% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,452 |
| Loan loss allowance to noncurrent loans | 62.9677% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 4,094 |
| Noncurrent loans to loans | 1.5693% | 4,286 |
| Net loans and leases to total assets | 79.1868% | 861 |
| Net loans and leases to deposits | 93.1447% | 1,313 |
| Net loans and leases to core deposits | 94.9735% | 2,389 |
| Total domestic deposits to total assets | 85.0148% | 3,612 |
| Equity capital to assets | 10.3517% | 3,697 |
| Core capital (leverage) ratio | 8.3143% | 5,845 |
| Tier 1 risk-based capital ratio | 10.3247% | 6,882 |
| Total risk-based capital ratio | 11.3504% | 6,993 |
| Memoranda: | ||
| Average total assets | $125,815,250 | 4,421 |
| Average earning assets | $115,192,250 | 4,399 |
| Average equity | $12,624,250 | 4,518 |
| Average total loans | $98,930,500 | 3,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 3,057 |
| Cost of funding earning assets | 1.4757% | 3,394 |
| Net interest margin | 3.9056% | 3,418 |
| Noninterest income to average assets | 0.5752% | 3,509 |
| Noninterest expense to average assets | 2.5566% | 5,498 |
| Loan and lease loss provision to assets | 0.2828% | 4,134 |
| Net operating income to assets | 1.2807% | 1,353 |
| Return on assets (ROA) | 1.2807% | 1,413 |
| Pretax return on assets | 1.3061% | 2,065 |
| Return on Equity (ROE) | 12.8994% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.0982% | 1,409 |
| Net charge-offs to loans | 0.5528% | 2,872 |
| Credit loss provision to net charge-offs | 65.4412% | 5,088 |
| Earnings coverage of net charge-offs (x) | 3.6765% | 3,219 |
| Efficiency ratio | 61.6711% | 5,744 |
| Assets per employee ($millions) | 3.7145% | 4,426 |
| Cash dividends to net income (ytd only)* | 37.2208% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 6,679 |
| Loan loss allowance to noncurrent loans | 59.4945% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 4,011 |
| Noncurrent loans to loans | 1.5528% | 4,385 |
| Net loans and leases to total assets | 80.3173% | 755 |
| Net loans and leases to deposits | 93.8479% | 1,295 |
| Net loans and leases to core deposits | 94.8031% | 2,605 |
| Total domestic deposits to total assets | 85.5825% | 3,326 |
| Equity capital to assets | 10.3940% | 3,530 |
| Core capital (leverage) ratio | 8.0245% | 6,243 |
| Tier 1 risk-based capital ratio | 10.2523% | 6,879 |
| Total risk-based capital ratio | 11.2219% | 7,020 |
| Memoranda: | ||
| Average total assets | $125,870,000 | 4,448 |
| Average earning assets | $115,066,000 | 4,435 |
| Average equity | $12,496,670 | 4,551 |
| Average total loans | $98,410,000 | 3,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 3,824 |
| Cost of funding earning assets | 1.5379% | 3,344 |
| Net interest margin | 3.7040% | 4,222 |
| Noninterest income to average assets | 0.4643% | 4,344 |
| Noninterest expense to average assets | 2.5001% | 5,733 |
| Loan and lease loss provision to assets | 0.1192% | 5,399 |
| Net operating income to assets | 1.2046% | 1,529 |
| Return on assets (ROA) | 1.2046% | 1,606 |
| Pretax return on assets | 1.2297% | 2,266 |
| Return on Equity (ROE) | 12.4126% | 1,387 |
| Retained earnings to average equity (ytd only) | 7.5639% | 1,896 |
| Net charge-offs to loans | 0.5596% | 2,402 |
| Credit loss provision to net charge-offs | 27.7372% | 4,853 |
| Earnings coverage of net charge-offs (x) | 3.1387% | 3,007 |
| Efficiency ratio | 64.9552% | 5,314 |
| Assets per employee ($millions) | 3.7788% | 4,361 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 6,759 |
| Loan loss allowance to noncurrent loans | 61.0147% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 4,447 |
| Noncurrent loans to loans | 1.5153% | 4,476 |
| Net loans and leases to total assets | 78.5423% | 1,051 |
| Net loans and leases to deposits | 91.7774% | 1,642 |
| Net loans and leases to core deposits | 93.5445% | 2,899 |
| Total domestic deposits to total assets | 85.5791% | 3,371 |
| Equity capital to assets | 10.0023% | 3,875 |
| Core capital (leverage) ratio | 7.6605% | 6,664 |
| Tier 1 risk-based capital ratio | 9.9987% | 7,038 |
| Total risk-based capital ratio | 10.9673% | 7,194 |
| Memoranda: | ||
| Average total assets | $127,515,000 | 4,469 |
| Average earning assets | $116,523,500 | 4,453 |
| Average equity | $12,374,500 | 4,621 |
| Average total loans | $97,929,500 | 4,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 3,972 |
| Cost of funding earning assets | 2.0344% | 2,798 |
| Net interest margin | 3.4992% | 4,958 |
| Noninterest income to average assets | 0.4532% | 4,780 |
| Noninterest expense to average assets | 2.5451% | 5,971 |
| Loan and lease loss provision to assets | 0.1197% | 6,445 |
| Net operating income to assets | 0.9662% | 1,957 |
| Return on assets (ROA) | 0.9662% | 2,010 |
| Pretax return on assets | 0.9885% | 2,628 |
| Return on Equity (ROE) | 10.0628% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.8694% | 1,892 |
| Net charge-offs to loans | 0.0427% | 6,681 |
| Credit loss provision to net charge-offs | 365.8537% | 877 |
| Earnings coverage of net charge-offs (x) | 33.8780% | 686 |
| Efficiency ratio | 69.6659% | 4,702 |
| Assets per employee ($millions) | 3.9494% | 3,920 |
| Cash dividends to net income (ytd only)* | 51.6102% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,156 |
| Loan loss allowance to noncurrent loans | 52.3785% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.6512% | 3,899 |
| Noncurrent loans to loans | 1.9938% | 3,656 |
| Net loans and leases to total assets | 73.6513% | 2,350 |
| Net loans and leases to deposits | 84.9979% | 3,086 |
| Net loans and leases to core deposits | 99.8170% | 4,021 |
| Total domestic deposits to total assets | 86.6507% | 2,680 |
| Equity capital to assets | 9.4192% | 4,527 |
| Core capital (leverage) ratio | 7.2589% | 7,022 |
| Tier 1 risk-based capital ratio | 9.7853% | 7,030 |
| Total risk-based capital ratio | 10.8625% | 7,130 |
| Memoranda: | ||
| Average total assets | $125,339,000 | 4,438 |
| Average earning assets | $114,627,000 | 4,435 |
| Average equity | $12,034,400 | 4,740 |
| Average total loans | $95,968,800 | 4,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 3,580 |
| Cost of funding earning assets | 2.1274% | 2,761 |
| Net interest margin | 3.5218% | 4,776 |
| Noninterest income to average assets | 0.4642% | 4,788 |
| Noninterest expense to average assets | 2.5937% | 5,730 |
| Loan and lease loss provision to assets | 0.1203% | 6,161 |
| Net operating income to assets | 0.9487% | 2,237 |
| Return on assets (ROA) | 0.9487% | 2,300 |
| Pretax return on assets | 0.9713% | 2,989 |
| Return on Equity (ROE) | 9.8321% | 1,985 |
| Retained earnings to average equity (ytd only) | 5.0998% | 2,430 |
| Net charge-offs to loans | 0.0181% | 6,662 |
| Credit loss provision to net charge-offs | 861.5385% | 442 |
| Earnings coverage of net charge-offs (x) | 78.1668% | 431 |
| Efficiency ratio | 70.3790% | 4,516 |
| Assets per employee ($millions) | 3.9362% | 3,857 |
| Cash dividends to net income (ytd only)* | 48.1313% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 6,026 |
| Loan loss allowance to noncurrent loans | 59.6669% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 4,177 |
| Noncurrent loans to loans | 1.7546% | 3,983 |
| Net loans and leases to total assets | 72.9836% | 2,799 |
| Net loans and leases to deposits | 84.1607% | 3,618 |
| Net loans and leases to core deposits | 100.3079% | 4,337 |
| Total domestic deposits to total assets | 86.7193% | 2,316 |
| Equity capital to assets | 9.3860% | 4,903 |
| Core capital (leverage) ratio | 7.3486% | 7,135 |
| Tier 1 risk-based capital ratio | 9.9182% | 7,045 |
| Total risk-based capital ratio | 11.0146% | 7,138 |
| Memoranda: | ||
| Average total assets | $124,091,500 | 4,498 |
| Average earning assets | $113,501,000 | 4,496 |
| Average equity | $11,974,000 | 4,800 |
| Average total loans | $95,710,500 | 4,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 3,013 |
| Cost of funding earning assets | 2.2262% | 2,677 |
| Net interest margin | 3.5807% | 4,444 |
| Noninterest income to average assets | 0.4961% | 4,482 |
| Noninterest expense to average assets | 2.6458% | 5,578 |
| Loan and lease loss provision to assets | 0.1228% | 5,883 |
| Net operating income to assets | 0.9611% | 2,241 |
| Return on assets (ROA) | 0.9611% | 2,340 |
| Pretax return on assets | 0.9823% | 3,077 |
| Return on Equity (ROE) | 9.8644% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,374 |
| Net charge-offs to loans | 0.0063% | 6,514 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 186 |
| Efficiency ratio | 70.5369% | 4,674 |
| Assets per employee ($millions) | 3.6717% | 4,396 |
| Cash dividends to net income (ytd only)* | 46.8484% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,227 |
| Loan loss allowance to noncurrent loans | 92.1624% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,917 |
| Noncurrent loans to loans | 1.0870% | 5,023 |
| Net loans and leases to total assets | 77.2561% | 1,902 |
| Net loans and leases to deposits | 88.8223% | 3,031 |
| Net loans and leases to core deposits | 105.1596% | 3,940 |
| Total domestic deposits to total assets | 86.9783% | 2,270 |
| Equity capital to assets | 9.6357% | 4,448 |
| Core capital (leverage) ratio | 7.4470% | 7,085 |
| Tier 1 risk-based capital ratio | 9.7509% | 7,182 |
| Total risk-based capital ratio | 10.8167% | 7,289 |
| Memoranda: | ||
| Average total assets | $122,157,000 | 4,577 |
| Average earning assets | $111,039,330 | 4,600 |
| Average equity | $11,901,330 | 4,839 |
| Average total loans | $95,679,000 | 4,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8981% | 2,806 |
| Cost of funding earning assets | 2.2998% | 2,701 |
| Net interest margin | 3.5983% | 4,322 |
| Noninterest income to average assets | 0.4768% | 4,539 |
| Noninterest expense to average assets | 2.5857% | 5,515 |
| Loan and lease loss provision to assets | 0.1258% | 5,347 |
| Net operating income to assets | 0.9932% | 2,337 |
| Return on assets (ROA) | 0.9932% | 2,472 |
| Pretax return on assets | 1.0131% | 3,301 |
| Return on Equity (ROE) | 10.1373% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.0686% | 3,081 |
| Net charge-offs to loans | 0.0127% | 5,431 |
| Credit loss provision to net charge-offs | 1,266.6667% | 492 |
| Earnings coverage of net charge-offs (x) | 114.6667% | 379 |
| Efficiency ratio | 69.4222% | 4,694 |
| Assets per employee ($millions) | 3.5718% | 4,648 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,337 |
| Loan loss allowance to noncurrent loans | 181.9767% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 5,494 |
| Noncurrent loans to loans | 0.5369% | 6,074 |
| Net loans and leases to total assets | 78.3640% | 1,730 |
| Net loans and leases to deposits | 91.2434% | 2,734 |
| Net loans and leases to core deposits | 107.0207% | 3,791 |
| Total domestic deposits to total assets | 85.8845% | 2,782 |
| Equity capital to assets | 9.7883% | 4,252 |
| Core capital (leverage) ratio | 7.5355% | 7,113 |
| Tier 1 risk-based capital ratio | 9.5842% | 7,357 |
| Total risk-based capital ratio | 10.6108% | 7,500 |
| Memoranda: | ||
| Average total assets | $120,816,500 | 4,628 |
| Average earning assets | $109,052,500 | 4,668 |
| Average equity | $11,837,500 | 4,892 |
| Average total loans | $94,808,000 | 4,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3968% | 3,435 |
| Cost of funding earning assets | 2.8486% | 2,484 |
| Net interest margin | 3.5482% | 5,106 |
| Noninterest income to average assets | 0.4629% | 4,941 |
| Noninterest expense to average assets | 2.6483% | 5,453 |
| Loan and lease loss provision to assets | 0.1291% | 5,715 |
| Net operating income to assets | 0.8336% | 3,291 |
| Return on assets (ROA) | 0.8336% | 3,136 |
| Pretax return on assets | 0.8529% | 3,881 |
| Return on Equity (ROE) | 8.3141% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.7146% | 2,826 |
| Net charge-offs to loans | 0.1561% | 4,633 |
| Credit loss provision to net charge-offs | 105.0000% | 5,092 |
| Earnings coverage of net charge-offs (x) | 7.9857% | 2,969 |
| Efficiency ratio | 72.9494% | 3,762 |
| Assets per employee ($millions) | 3.5351% | 4,582 |
| Cash dividends to net income (ytd only)* | 55.3214% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,285 |
| Loan loss allowance to noncurrent loans | 203.6036% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 5,358 |
| Noncurrent loans to loans | 0.4748% | 5,922 |
| Net loans and leases to total assets | 77.0492% | 2,361 |
| Net loans and leases to deposits | 92.6672% | 3,016 |
| Net loans and leases to core deposits | 108.2882% | 3,934 |
| Total domestic deposits to total assets | 83.1461% | 3,707 |
| Equity capital to assets | 9.8076% | 4,285 |
| Core capital (leverage) ratio | 7.6275% | 7,038 |
| Tier 1 risk-based capital ratio | 9.6623% | 7,129 |
| Total risk-based capital ratio | 10.6761% | 7,303 |
| Memoranda: | ||
| Average total assets | $113,847,200 | 4,670 |
| Average earning assets | $101,628,400 | 4,764 |
| Average equity | $11,414,400 | 4,997 |
| Average total loans | $89,702,400 | 4,236 |