Home > Bancroft State Bank > Performance and Condition Ratios
Bancroft State Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 4,226 |
| Cost of funding earning assets | 0.1144% | 5,702 |
| Net interest margin | 3.5929% | 3,100 |
| Noninterest income to average assets | 0.5176% | 3,135 |
| Noninterest expense to average assets | 2.6417% | 3,533 |
| Loan and lease loss provision to assets | 0.1187% | 1,949 |
| Net operating income to assets | 1.1354% | 1,864 |
| Return on assets (ROA) | 1.1354% | 1,973 |
| Pretax return on assets | 1.1354% | 3,095 |
| Return on Equity (ROE) | 9.8614% | 2,113 |
| Retained earnings to average equity (ytd only) | 6.6387% | 1,826 |
| Net charge-offs to loans | 0.0447% | 2,752 |
| Credit loss provision to net charge-offs | 426.6667% | 802 |
| Earnings coverage of net charge-offs (x) | 45.0655% | 1,149 |
| Efficiency ratio | 67.8095% | 3,258 |
| Assets per employee ($millions) | 3.1318% | 5,261 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1104% | 5,915 |
| Loan loss allowance to noncurrent loans | 11.7788% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 3,171 |
| Noncurrent loans to loans | 0.9372% | 2,371 |
| Net loans and leases to total assets | 61.5518% | 3,683 |
| Net loans and leases to deposits | 69.7825% | 4,004 |
| Net loans and leases to core deposits | 71.1555% | 4,237 |
| Total domestic deposits to total assets | 88.2052% | 1,295 |
| Equity capital to assets | 11.7240% | 2,321 |
| Core capital (leverage) ratio | 11.3195% | 2,173 |
| Tier 1 risk-based capital ratio | 17.8524% | 1,958 |
| Total risk-based capital ratio | 17.9645% | 2,278 |
| Memoranda: | ||
| Average total assets | $71,870,250 | 4,935 |
| Average earning assets | $67,576,250 | 4,894 |
| Average equity | $8,274,500 | 4,938 |
| Average total loans | $44,764,500 | 4,766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 4,310 |
| Cost of funding earning assets | 0.1122% | 5,797 |
| Net interest margin | 3.5858% | 3,155 |
| Noninterest income to average assets | 0.5068% | 3,148 |
| Noninterest expense to average assets | 2.6234% | 3,643 |
| Loan and lease loss provision to assets | 0.1114% | 2,013 |
| Net operating income to assets | 1.1529% | 1,766 |
| Return on assets (ROA) | 1.1529% | 1,883 |
| Pretax return on assets | 1.1529% | 2,978 |
| Return on Equity (ROE) | 10.0758% | 2,013 |
| Retained earnings to average equity (ytd only) | 8.2505% | 1,090 |
| Net charge-offs to loans | 0.0624% | 2,303 |
| Credit loss provision to net charge-offs | 285.7143% | 999 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 1,338 |
| Efficiency ratio | 67.4785% | 3,457 |
| Assets per employee ($millions) | 2.9995% | 5,438 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0590% | 6,000 |
| Loan loss allowance to noncurrent loans | 3.2500% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 1,821 |
| Noncurrent loans to loans | 1.8157% | 1,133 |
| Net loans and leases to total assets | 63.8276% | 3,389 |
| Net loans and leases to deposits | 72.7006% | 3,730 |
| Net loans and leases to core deposits | 74.2025% | 3,968 |
| Total domestic deposits to total assets | 87.7952% | 1,531 |
| Equity capital to assets | 12.1353% | 2,026 |
| Core capital (leverage) ratio | 11.0091% | 2,424 |
| Tier 1 risk-based capital ratio | 17.9376% | 1,947 |
| Total risk-based capital ratio | 17.9981% | 2,284 |
| Memoranda: | ||
| Average total assets | $71,816,330 | 4,985 |
| Average earning assets | $67,712,330 | 4,939 |
| Average equity | $8,217,670 | 4,991 |
| Average total loans | $44,890,670 | 4,798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,229 |
| Cost of funding earning assets | 0.1275% | 5,767 |
| Net interest margin | 3.5979% | 3,087 |
| Noninterest income to average assets | 0.4971% | 3,139 |
| Noninterest expense to average assets | 2.5946% | 3,765 |
| Loan and lease loss provision to assets | 0.0874% | 2,227 |
| Net operating income to assets | 1.2072% | 1,529 |
| Return on assets (ROA) | 1.2072% | 1,632 |
| Pretax return on assets | 1.2072% | 2,674 |
| Return on Equity (ROE) | 10.8593% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.8593% | 675 |
| Net charge-offs to loans | -0.0177% | 4,796 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7135% | 3,683 |
| Assets per employee ($millions) | 3.0812% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0398% | 6,069 |
| Loan loss allowance to noncurrent loans | 4.2155% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 3,255 |
| Noncurrent loans to loans | 0.9452% | 2,487 |
| Net loans and leases to total assets | 63.7236% | 3,277 |
| Net loans and leases to deposits | 72.1782% | 3,638 |
| Net loans and leases to core deposits | 73.6232% | 3,930 |
| Total domestic deposits to total assets | 88.2865% | 1,482 |
| Equity capital to assets | 11.6472% | 2,290 |
| Core capital (leverage) ratio | 10.5205% | 2,935 |
| Tier 1 risk-based capital ratio | 17.2161% | 2,205 |
| Total risk-based capital ratio | 17.2570% | 2,629 |
| Memoranda: | ||
| Average total assets | $73,230,000 | 4,995 |
| Average earning assets | $69,040,500 | 4,951 |
| Average equity | $8,140,500 | 5,031 |
| Average total loans | $45,306,000 | 4,823 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5103% | 6,160 |
| Cost of funding earning assets | 0.0380% | 6,120 |
| Net interest margin | 0.4723% | 6,159 |
| Noninterest income to average assets | 0.0807% | 5,923 |
| Noninterest expense to average assets | 0.3366% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1933% | 5,591 |
| Return on assets (ROA) | 0.1933% | 5,645 |
| Pretax return on assets | 0.1933% | 5,691 |
| Return on Equity (ROE) | 2.1166% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.1166% | 4,515 |
| Net charge-offs to loans | 0.0065% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,055 |
| Efficiency ratio | 63.5171% | 4,364 |
| Assets per employee ($millions) | 3.1497% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 3,217 |
| Noncurrent loans to loans | 1.0256% | 2,286 |
| Net loans and leases to total assets | 60.1048% | 3,822 |
| Net loans and leases to deposits | 67.2952% | 4,191 |
| Net loans and leases to core deposits | 69.3558% | 4,347 |
| Total domestic deposits to total assets | 89.3151% | 956 |
| Equity capital to assets | 10.6187% | 3,218 |
| Core capital (leverage) ratio | 10.2826% | 3,174 |
| Tier 1 risk-based capital ratio | 16.7936% | 2,363 |
| Total risk-based capital ratio | 16.7936% | 2,843 |
| Memoranda: | ||
| Average total assets | $71,900,800 | 5,046 |
| Average earning assets | $68,387,400 | 4,972 |
| Average equity | $6,567,200 | 5,334 |
| Average total loans | $46,038,600 | 4,792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 3,852 |
| Cost of funding earning assets | 0.3292% | 3,996 |
| Net interest margin | 3.5404% | 3,384 |
| Noninterest income to average assets | -0.8096% | 6,263 |
| Noninterest expense to average assets | 2.7670% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2029% | 6,046 |
| Return on assets (ROA) | -0.2029% | 6,061 |
| Pretax return on assets | -0.2029% | 6,051 |
| Return on Equity (ROE) | -2.3217% | 6,081 |
| Retained earnings to average equity (ytd only) | -4.0414% | 5,993 |
| Net charge-offs to loans | 0.0115% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -27.0169% | 4,160 |
| Efficiency ratio | 107.9121% | 166 |
| Assets per employee ($millions) | 3.0036% | 5,541 |
| Cash dividends to net income (ytd only)* | -74.0694% | 6,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,745 |
| Loan loss allowance to noncurrent loans | 120.1268% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 2,487 |
| Noncurrent loans to loans | 1.3419% | 1,907 |
| Net loans and leases to total assets | 64.1794% | 3,281 |
| Net loans and leases to deposits | 70.2731% | 3,952 |
| Net loans and leases to core deposits | 72.4861% | 4,153 |
| Total domestic deposits to total assets | 91.3285% | 180 |
| Equity capital to assets | 8.5882% | 5,652 |
| Core capital (leverage) ratio | 8.7741% | 5,269 |
| Tier 1 risk-based capital ratio | 14.1401% | 3,768 |
| Total risk-based capital ratio | 15.3963% | 3,703 |
| Memoranda: | ||
| Average total assets | $70,977,750 | 5,128 |
| Average earning assets | $67,637,250 | 5,052 |
| Average equity | $6,202,250 | 5,461 |
| Average total loans | $46,189,500 | 4,837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,884 |
| Cost of funding earning assets | 0.3316% | 4,030 |
| Net interest margin | 3.5167% | 3,432 |
| Noninterest income to average assets | -1.1500% | 6,340 |
| Noninterest expense to average assets | 2.9147% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7308% | 6,228 |
| Return on assets (ROA) | -0.7308% | 6,232 |
| Pretax return on assets | -0.7308% | 6,222 |
| Return on Equity (ROE) | -8.3145% | 6,239 |
| Retained earnings to average equity (ytd only) | -10.8927% | 6,188 |
| Net charge-offs to loans | -0.0348% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4630% | 68 |
| Assets per employee ($millions) | 2.8759% | 5,735 |
| Cash dividends to net income (ytd only)* | -31.0078% | 6,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 1,725 |
| Loan loss allowance to noncurrent loans | 96.7337% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 1,764 |
| Noncurrent loans to loans | 1.7121% | 1,510 |
| Net loans and leases to total assets | 66.2451% | 2,909 |
| Net loans and leases to deposits | 72.5370% | 3,673 |
| Net loans and leases to core deposits | 74.9213% | 3,863 |
| Total domestic deposits to total assets | 91.3258% | 227 |
| Equity capital to assets | 8.6075% | 5,593 |
| Core capital (leverage) ratio | 8.5458% | 5,493 |
| Tier 1 risk-based capital ratio | 14.0850% | 3,870 |
| Total risk-based capital ratio | 15.3394% | 3,800 |
| Memoranda: | ||
| Average total assets | $70,608,000 | 5,196 |
| Average earning assets | $66,938,670 | 5,136 |
| Average equity | $6,206,000 | 5,499 |
| Average total loans | $45,911,670 | 4,889 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,033 |
| Cost of funding earning assets | 0.3325% | 4,065 |
| Net interest margin | 3.4617% | 3,574 |
| Noninterest income to average assets | 0.4202% | 3,843 |
| Noninterest expense to average assets | 2.9243% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7619% | 3,471 |
| Return on assets (ROA) | 0.7619% | 3,609 |
| Pretax return on assets | 0.7619% | 4,384 |
| Return on Equity (ROE) | 8.5825% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.5340% | 3,878 |
| Net charge-offs to loans | -0.0088% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3313% | 1,983 |
| Assets per employee ($millions) | 2.9323% | 5,752 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,781 |
| Loan loss allowance to noncurrent loans | 98.8342% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 671 |
| Noncurrent loans to loans | 1.7028% | 1,613 |
| Net loans and leases to total assets | 63.3387% | 3,186 |
| Net loans and leases to deposits | 69.7526% | 3,777 |
| Net loans and leases to core deposits | 72.0132% | 3,961 |
| Total domestic deposits to total assets | 90.8048% | 438 |
| Equity capital to assets | 9.0957% | 5,199 |
| Core capital (leverage) ratio | 8.8910% | 5,085 |
| Tier 1 risk-based capital ratio | 15.1148% | 3,372 |
| Total risk-based capital ratio | 16.3710% | 3,288 |
| Memoranda: | ||
| Average total assets | $71,401,500 | 5,225 |
| Average earning assets | $67,365,000 | 5,159 |
| Average equity | $6,338,500 | 5,524 |
| Average total loans | $45,621,000 | 4,932 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 4,064 |
| Cost of funding earning assets | 0.3836% | 3,865 |
| Net interest margin | 3.5331% | 3,671 |
| Noninterest income to average assets | 0.1521% | 5,934 |
| Noninterest expense to average assets | 3.0688% | 2,627 |
| Loan and lease loss provision to assets | 0.0142% | 4,329 |
| Net operating income to assets | 0.3681% | 5,329 |
| Return on assets (ROA) | 0.3952% | 5,306 |
| Pretax return on assets | 0.3952% | 5,501 |
| Return on Equity (ROE) | 4.5850% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.5850% | 2,916 |
| Net charge-offs to loans | -0.1734% | 6,237 |
| Credit loss provision to net charge-offs | -12.8205% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9209% | 920 |
| Assets per employee ($millions) | 3.0179% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,897 |
| Loan loss allowance to noncurrent loans | 117.9567% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 823 |
| Noncurrent loans to loans | 1.4073% | 2,083 |
| Net loans and leases to total assets | 62.3272% | 3,462 |
| Net loans and leases to deposits | 68.3177% | 4,095 |
| Net loans and leases to core deposits | 70.4237% | 4,287 |
| Total domestic deposits to total assets | 91.2314% | 289 |
| Equity capital to assets | 8.6650% | 5,602 |
| Core capital (leverage) ratio | 8.9143% | 5,102 |
| Tier 1 risk-based capital ratio | 14.0054% | 4,091 |
| Total risk-based capital ratio | 15.2618% | 4,010 |
| Memoranda: | ||
| Average total assets | $70,352,600 | 5,275 |
| Average earning assets | $65,693,200 | 5,238 |
| Average equity | $6,063,200 | 5,604 |
| Average total loans | $44,994,200 | 4,994 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 4,184 |
| Cost of funding earning assets | 0.3950% | 3,843 |
| Net interest margin | 3.5020% | 3,820 |
| Noninterest income to average assets | 0.2749% | 5,238 |
| Noninterest expense to average assets | 3.0777% | 2,533 |
| Loan and lease loss provision to assets | 0.0191% | 4,026 |
| Net operating income to assets | 0.4449% | 5,096 |
| Return on assets (ROA) | 0.3761% | 5,417 |
| Pretax return on assets | 0.3761% | 5,636 |
| Return on Equity (ROE) | 4.3704% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.3704% | 3,540 |
| Net charge-offs to loans | -0.2293% | 6,334 |
| Credit loss provision to net charge-offs | -12.9870% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9003% | 1,102 |
| Assets per employee ($millions) | 2.8916% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 2,102 |
| Loan loss allowance to noncurrent loans | 98.9597% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.1658% | 717 |
| Noncurrent loans to loans | 1.6763% | 1,947 |
| Net loans and leases to total assets | 65.0081% | 3,026 |
| Net loans and leases to deposits | 71.4761% | 3,740 |
| Net loans and leases to core deposits | 73.7860% | 3,959 |
| Total domestic deposits to total assets | 90.9509% | 378 |
| Equity capital to assets | 8.9411% | 5,419 |
| Core capital (leverage) ratio | 9.1187% | 4,898 |
| Tier 1 risk-based capital ratio | 13.8130% | 4,347 |
| Total risk-based capital ratio | 15.0683% | 4,275 |
| Memoranda: | ||
| Average total assets | $69,833,500 | 5,346 |
| Average earning assets | $65,142,250 | 5,303 |
| Average equity | $6,010,000 | 5,679 |
| Average total loans | $44,766,500 | 5,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 4,096 |
| Cost of funding earning assets | 0.4114% | 3,754 |
| Net interest margin | 3.5004% | 3,789 |
| Noninterest income to average assets | 0.0572% | 6,425 |
| Noninterest expense to average assets | 3.1981% | 2,198 |
| Loan and lease loss provision to assets | 0.0286% | 3,706 |
| Net operating income to assets | 0.0886% | 6,067 |
| Return on assets (ROA) | 0.1429% | 5,998 |
| Pretax return on assets | 0.1429% | 6,037 |
| Return on Equity (ROE) | 1.6821% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.6821% | 5,061 |
| Net charge-offs to loans | 0.2297% | 1,658 |
| Credit loss provision to net charge-offs | 19.6078% | 3,208 |
| Earnings coverage of net charge-offs (x) | 0.8039% | 3,966 |
| Efficiency ratio | 96.4655% | 541 |
| Assets per employee ($millions) | 2.8338% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 3,283 |
| Loan loss allowance to noncurrent loans | 112.2340% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.9672% | 862 |
| Noncurrent loans to loans | 1.2593% | 2,706 |
| Net loans and leases to total assets | 64.9213% | 2,919 |
| Net loans and leases to deposits | 71.3330% | 3,662 |
| Net loans and leases to core deposits | 73.7666% | 3,860 |
| Total domestic deposits to total assets | 91.0116% | 414 |
| Equity capital to assets | 8.8766% | 5,431 |
| Core capital (leverage) ratio | 8.9653% | 5,071 |
| Tier 1 risk-based capital ratio | 13.8283% | 4,371 |
| Total risk-based capital ratio | 15.0813% | 4,321 |
| Memoranda: | ||
| Average total assets | $69,978,330 | 5,390 |
| Average earning assets | $65,135,670 | 5,345 |
| Average equity | $5,945,000 | 5,725 |
| Average total loans | $44,396,670 | 5,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,295 |
| Cost of funding earning assets | 0.4229% | 3,732 |
| Net interest margin | 3.4254% | 4,008 |
| Noninterest income to average assets | 0.0225% | 6,560 |
| Noninterest expense to average assets | 2.9988% | 2,858 |
| Loan and lease loss provision to assets | 0.0564% | 2,985 |
| Net operating income to assets | 0.1635% | 5,899 |
| Return on assets (ROA) | 0.1635% | 5,938 |
| Pretax return on assets | 0.1635% | 5,989 |
| Return on Equity (ROE) | 1.9664% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.9664% | 4,814 |
| Net charge-offs to loans | 0.4344% | 839 |
| Credit loss provision to net charge-offs | 20.8333% | 2,492 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 3,257 |
| Efficiency ratio | 93.1699% | 803 |
| Assets per employee ($millions) | 2.9054% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 3,375 |
| Loan loss allowance to noncurrent loans | 108.5324% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 3.0403% | 933 |
| Noncurrent loans to loans | 1.3336% | 2,809 |
| Net loans and leases to total assets | 62.1024% | 3,226 |
| Net loans and leases to deposits | 67.9438% | 3,862 |
| Net loans and leases to core deposits | 70.1927% | 4,068 |
| Total domestic deposits to total assets | 91.4026% | 416 |
| Equity capital to assets | 8.5229% | 5,633 |
| Core capital (leverage) ratio | 8.5068% | 5,633 |
| Tier 1 risk-based capital ratio | 14.0372% | 4,310 |
| Total risk-based capital ratio | 15.2905% | 4,242 |
| Memoranda: | ||
| Average total assets | $70,962,500 | 5,410 |
| Average earning assets | $66,210,500 | 5,369 |
| Average equity | $5,899,000 | 5,772 |
| Average total loans | $44,202,000 | 5,157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 3,492 |
| Cost of funding earning assets | 0.5475% | 3,139 |
| Net interest margin | 3.6138% | 3,402 |
| Noninterest income to average assets | -0.0674% | 6,708 |
| Noninterest expense to average assets | 3.1462% | 2,608 |
| Loan and lease loss provision to assets | 0.3483% | 909 |
| Net operating income to assets | -0.1935% | 6,361 |
| Return on assets (ROA) | -0.1935% | 6,369 |
| Pretax return on assets | -0.1935% | 6,347 |
| Return on Equity (ROE) | -2.2657% | 6,390 |
| Retained earnings to average equity (ytd only) | -2.2657% | 6,199 |
| Net charge-offs to loans | 0.2351% | 2,571 |
| Credit loss provision to net charge-offs | 222.9358% | 1,023 |
| Earnings coverage of net charge-offs (x) | 0.9908% | 4,750 |
| Efficiency ratio | 95.3105% | 680 |
| Assets per employee ($millions) | 3.0081% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,116 |
| Loan loss allowance to noncurrent loans | 97.2583% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.9060% | 1,098 |
| Noncurrent loans to loans | 1.5586% | 2,561 |
| Net loans and leases to total assets | 60.6552% | 3,598 |
| Net loans and leases to deposits | 66.0742% | 4,289 |
| Net loans and leases to core deposits | 68.4668% | 4,455 |
| Total domestic deposits to total assets | 91.7986% | 332 |
| Equity capital to assets | 8.1100% | 5,927 |
| Core capital (leverage) ratio | 8.6720% | 5,444 |
| Tier 1 risk-based capital ratio | 13.7040% | 4,519 |
| Total risk-based capital ratio | 14.9583% | 4,457 |
| Memoranda: | ||
| Average total assets | $69,766,800 | 5,490 |
| Average earning assets | $65,028,200 | 5,436 |
| Average equity | $5,958,400 | 5,831 |
| Average total loans | $46,366,000 | 5,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,390 |
| Cost of funding earning assets | 0.5667% | 3,108 |
| Net interest margin | 3.6341% | 3,304 |
| Noninterest income to average assets | -0.2121% | 6,837 |
| Noninterest expense to average assets | 3.0691% | 2,758 |
| Loan and lease loss provision to assets | 0.4299% | 676 |
| Net operating income to assets | -0.3239% | 6,535 |
| Return on assets (ROA) | -0.3239% | 6,548 |
| Pretax return on assets | -0.3239% | 6,530 |
| Return on Equity (ROE) | -3.7430% | 6,559 |
| Retained earnings to average equity (ytd only) | -3.7430% | 6,420 |
| Net charge-offs to loans | 0.2192% | 2,508 |
| Credit loss provision to net charge-offs | 289.6104% | 878 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,612 |
| Efficiency ratio | 96.6606% | 587 |
| Assets per employee ($millions) | 2.8519% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 3,496 |
| Loan loss allowance to noncurrent loans | 66.1524% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 4.7513% | 612 |
| Noncurrent loans to loans | 2.2541% | 1,947 |
| Net loans and leases to total assets | 66.2137% | 2,598 |
| Net loans and leases to deposits | 72.5178% | 3,452 |
| Net loans and leases to core deposits | 75.6241% | 3,657 |
| Total domestic deposits to total assets | 91.3069% | 420 |
| Equity capital to assets | 8.5879% | 5,638 |
| Core capital (leverage) ratio | 8.9760% | 5,159 |
| Tier 1 risk-based capital ratio | 13.3171% | 4,893 |
| Total risk-based capital ratio | 14.5711% | 4,828 |
| Memoranda: | ||
| Average total assets | $69,159,750 | 5,558 |
| Average earning assets | $64,461,500 | 5,511 |
| Average equity | $5,984,250 | 5,899 |
| Average total loans | $46,841,500 | 5,122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 3,335 |
| Cost of funding earning assets | 0.5831% | 3,099 |
| Net interest margin | 3.6251% | 3,261 |
| Noninterest income to average assets | -0.3804% | 6,895 |
| Noninterest expense to average assets | 3.2739% | 2,145 |
| Loan and lease loss provision to assets | 0.5562% | 472 |
| Net operating income to assets | -0.8242% | 6,721 |
| Return on assets (ROA) | -0.8242% | 6,728 |
| Pretax return on assets | -0.8242% | 6,711 |
| Return on Equity (ROE) | -9.5022% | 6,730 |
| Retained earnings to average equity (ytd only) | -9.5022% | 6,650 |
| Net charge-offs to loans | 0.2037% | 2,536 |
| Credit loss provision to net charge-offs | 402.0833% | 654 |
| Earnings coverage of net charge-offs (x) | -1.9375% | 4,765 |
| Efficiency ratio | 108.9166% | 298 |
| Assets per employee ($millions) | 2.7962% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 3,688 |
| Loan loss allowance to noncurrent loans | 36.0147% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 5.0813% | 601 |
| Noncurrent loans to loans | 4.1013% | 936 |
| Net loans and leases to total assets | 68.0848% | 2,214 |
| Net loans and leases to deposits | 74.5549% | 3,069 |
| Net loans and leases to core deposits | 77.8063% | 3,320 |
| Total domestic deposits to total assets | 91.3216% | 435 |
| Equity capital to assets | 8.5652% | 5,699 |
| Core capital (leverage) ratio | 8.6297% | 5,520 |
| Tier 1 risk-based capital ratio | 13.2708% | 4,939 |
| Total risk-based capital ratio | 14.5252% | 4,881 |
| Memoranda: | ||
| Average total assets | $69,398,000 | 5,590 |
| Average earning assets | $64,825,330 | 5,533 |
| Average equity | $6,019,670 | 5,932 |
| Average total loans | $47,120,000 | 5,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 3,700 |
| Cost of funding earning assets | 0.5953% | 3,150 |
| Net interest margin | 3.5112% | 3,650 |
| Noninterest income to average assets | -0.2552% | 6,962 |
| Noninterest expense to average assets | 3.3342% | 1,997 |
| Loan and lease loss provision to assets | 0.7201% | 327 |
| Net operating income to assets | -1.0320% | 6,817 |
| Return on assets (ROA) | -1.0320% | 6,827 |
| Pretax return on assets | -1.0320% | 6,809 |
| Return on Equity (ROE) | -11.8268% | 6,833 |
| Retained earnings to average equity (ytd only) | -11.8268% | 6,677 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3189% | 323 |
| Assets per employee ($millions) | 2.9070% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,199 |
| Loan loss allowance to noncurrent loans | 26.2289% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 6.3868% | 478 |
| Noncurrent loans to loans | 5.3624% | 692 |
| Net loans and leases to total assets | 67.0154% | 2,192 |
| Net loans and leases to deposits | 73.4834% | 2,989 |
| Net loans and leases to core deposits | 76.5638% | 3,252 |
| Total domestic deposits to total assets | 91.1981% | 444 |
| Equity capital to assets | 8.6887% | 5,822 |
| Core capital (leverage) ratio | 8.4876% | 5,619 |
| Tier 1 risk-based capital ratio | 13.0099% | 5,208 |
| Total risk-based capital ratio | 14.2618% | 5,157 |
| Memoranda: | ||
| Average total assets | $70,542,500 | 5,608 |
| Average earning assets | $65,846,500 | 5,552 |
| Average equity | $6,155,500 | 5,946 |
| Average total loans | $47,492,000 | 5,152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 1,801 |
| Cost of funding earning assets | 0.7581% | 3,028 |
| Net interest margin | 4.1537% | 1,804 |
| Noninterest income to average assets | 0.2242% | 5,835 |
| Noninterest expense to average assets | 3.5838% | 1,644 |
| Loan and lease loss provision to assets | 0.3654% | 1,798 |
| Net operating income to assets | 0.1354% | 5,927 |
| Return on assets (ROA) | 0.1354% | 6,083 |
| Pretax return on assets | 0.1354% | 6,093 |
| Return on Equity (ROE) | 1.5100% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.5100% | 5,111 |
| Net charge-offs to loans | 0.9006% | 1,265 |
| Credit loss provision to net charge-offs | 55.6541% | 4,557 |
| Earnings coverage of net charge-offs (x) | 0.7627% | 5,096 |
| Efficiency ratio | 87.7406% | 1,262 |
| Assets per employee ($millions) | 2.9715% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,411 |
| Loan loss allowance to noncurrent loans | 28.0374% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 5.6509% | 652 |
| Noncurrent loans to loans | 4.0495% | 1,154 |
| Net loans and leases to total assets | 65.9333% | 2,537 |
| Net loans and leases to deposits | 72.3600% | 3,354 |
| Net loans and leases to core deposits | 75.1771% | 3,636 |
| Total domestic deposits to total assets | 91.1184% | 452 |
| Equity capital to assets | 8.7624% | 5,779 |
| Core capital (leverage) ratio | 9.0046% | 4,893 |
| Tier 1 risk-based capital ratio | 13.2622% | 4,927 |
| Total risk-based capital ratio | 14.4233% | 4,921 |
| Memoranda: | ||
| Average total assets | $68,698,600 | 5,661 |
| Average earning assets | $63,846,200 | 5,614 |
| Average equity | $6,158,800 | 5,981 |
| Average total loans | $50,076,800 | 5,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,751 |
| Cost of funding earning assets | 0.7852% | 3,074 |
| Net interest margin | 4.1918% | 1,763 |
| Noninterest income to average assets | -0.1274% | 7,041 |
| Noninterest expense to average assets | 3.3762% | 2,068 |
| Loan and lease loss provision to assets | 0.3938% | 1,627 |
| Net operating income to assets | -0.0059% | 6,290 |
| Return on assets (ROA) | -0.0059% | 6,414 |
| Pretax return on assets | -0.0059% | 6,398 |
| Return on Equity (ROE) | -0.0652% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.0652% | 6,091 |
| Net charge-offs to loans | 0.4233% | 2,399 |
| Credit loss provision to net charge-offs | 124.8447% | 2,318 |
| Earnings coverage of net charge-offs (x) | 1.2298% | 4,676 |
| Efficiency ratio | 89.6929% | 1,066 |
| Assets per employee ($millions) | 2.8336% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,606 |
| Loan loss allowance to noncurrent loans | 27.0177% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 7.3390% | 467 |
| Noncurrent loans to loans | 5.8433% | 709 |
| Net loans and leases to total assets | 71.5029% | 1,648 |
| Net loans and leases to deposits | 78.7762% | 2,560 |
| Net loans and leases to core deposits | 81.6657% | 3,007 |
| Total domestic deposits to total assets | 90.7671% | 493 |
| Equity capital to assets | 9.1005% | 5,707 |
| Core capital (leverage) ratio | 9.0391% | 5,002 |
| Tier 1 risk-based capital ratio | 12.9445% | 5,295 |
| Total risk-based capital ratio | 14.1996% | 5,258 |
| Memoranda: | ||
| Average total assets | $68,044,250 | 5,744 |
| Average earning assets | $63,170,000 | 5,692 |
| Average equity | $6,136,250 | 6,056 |
| Average total loans | $50,705,750 | 5,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 1,717 |
| Cost of funding earning assets | 0.8038% | 3,160 |
| Net interest margin | 4.2217% | 1,693 |
| Noninterest income to average assets | -0.3203% | 7,159 |
| Noninterest expense to average assets | 3.3501% | 2,156 |
| Loan and lease loss provision to assets | 0.4437% | 1,457 |
| Net operating income to assets | -0.1940% | 6,538 |
| Return on assets (ROA) | -0.1940% | 6,611 |
| Pretax return on assets | -0.1940% | 6,587 |
| Return on Equity (ROE) | -2.1573% | 6,630 |
| Retained earnings to average equity (ytd only) | -2.1573% | 6,377 |
| Net charge-offs to loans | 0.1369% | 3,831 |
| Credit loss provision to net charge-offs | 431.4286% | 686 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 3,786 |
| Efficiency ratio | 93.0612% | 858 |
| Assets per employee ($millions) | 2.8121% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 3,274 |
| Loan loss allowance to noncurrent loans | 25.4157% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 7.7597% | 456 |
| Noncurrent loans to loans | 6.6439% | 614 |
| Net loans and leases to total assets | 73.8435% | 1,269 |
| Net loans and leases to deposits | 81.2776% | 2,196 |
| Net loans and leases to core deposits | 84.2695% | 2,657 |
| Total domestic deposits to total assets | 90.8535% | 502 |
| Equity capital to assets | 9.0369% | 5,659 |
| Core capital (leverage) ratio | 8.9096% | 5,029 |
| Tier 1 risk-based capital ratio | 12.6454% | 5,457 |
| Total risk-based capital ratio | 13.9030% | 5,432 |
| Memoranda: | ||
| Average total assets | $68,056,670 | 5,781 |
| Average earning assets | $63,197,330 | 5,728 |
| Average equity | $6,118,670 | 6,084 |
| Average total loans | $51,138,670 | 5,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 1,500 |
| Cost of funding earning assets | 0.8345% | 3,190 |
| Net interest margin | 4.2925% | 1,489 |
| Noninterest income to average assets | -0.0761% | 7,156 |
| Noninterest expense to average assets | 3.7401% | 1,315 |
| Loan and lease loss provision to assets | 0.4448% | 1,397 |
| Net operating income to assets | -0.2868% | 6,699 |
| Return on assets (ROA) | -0.2868% | 6,738 |
| Pretax return on assets | -0.2868% | 6,722 |
| Return on Equity (ROE) | -3.1982% | 6,767 |
| Retained earnings to average equity (ytd only) | -3.1982% | 6,420 |
| Net charge-offs to loans | 0.2648% | 2,607 |
| Credit loss provision to net charge-offs | 223.5294% | 1,246 |
| Earnings coverage of net charge-offs (x) | 0.7941% | 3,937 |
| Efficiency ratio | 95.9459% | 722 |
| Assets per employee ($millions) | 2.8295% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,992 |
| Loan loss allowance to noncurrent loans | 22.5101% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 8.1610% | 458 |
| Noncurrent loans to loans | 6.8387% | 670 |
| Net loans and leases to total assets | 73.6541% | 1,118 |
| Net loans and leases to deposits | 81.0609% | 2,048 |
| Net loans and leases to core deposits | 84.0255% | 2,542 |
| Total domestic deposits to total assets | 90.8626% | 615 |
| Equity capital to assets | 8.9901% | 5,510 |
| Core capital (leverage) ratio | 8.9313% | 4,942 |
| Tier 1 risk-based capital ratio | 12.5288% | 5,581 |
| Total risk-based capital ratio | 13.7840% | 5,540 |
| Memoranda: | ||
| Average total assets | $68,340,000 | 5,815 |
| Average earning assets | $63,273,500 | 5,772 |
| Average equity | $6,128,500 | 6,113 |
| Average total loans | $51,361,500 | 5,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 1,569 |
| Cost of funding earning assets | 1.0715% | 2,869 |
| Net interest margin | 4.2763% | 1,782 |
| Noninterest income to average assets | 0.1348% | 6,479 |
| Noninterest expense to average assets | 3.2599% | 2,656 |
| Loan and lease loss provision to assets | 0.4912% | 2,152 |
| Net operating income to assets | 0.3639% | 5,014 |
| Return on assets (ROA) | 0.3639% | 5,182 |
| Pretax return on assets | 0.3639% | 5,391 |
| Return on Equity (ROE) | 4.0489% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,309 |
| Net charge-offs to loans | 0.8133% | 2,121 |
| Credit loss provision to net charge-offs | 73.0512% | 4,734 |
| Earnings coverage of net charge-offs (x) | 1.2717% | 4,827 |
| Efficiency ratio | 79.2213% | 2,412 |
| Assets per employee ($millions) | 2.8655% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,352 |
| Loan loss allowance to noncurrent loans | 20.5556% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 8.9266% | 408 |
| Noncurrent loans to loans | 6.9332% | 641 |
| Net loans and leases to total assets | 74.4256% | 1,194 |
| Net loans and leases to deposits | 81.8774% | 2,215 |
| Net loans and leases to core deposits | 84.8555% | 2,763 |
| Total domestic deposits to total assets | 90.8989% | 540 |
| Equity capital to assets | 8.9455% | 5,611 |
| Core capital (leverage) ratio | 8.9560% | 4,850 |
| Tier 1 risk-based capital ratio | 12.2691% | 5,632 |
| Total risk-based capital ratio | 13.5227% | 5,603 |
| Memoranda: | ||
| Average total assets | $66,781,800 | 5,846 |
| Average earning assets | $62,157,000 | 5,798 |
| Average equity | $6,001,600 | 6,160 |
| Average total loans | $55,210,400 | 5,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 1,429 |
| Cost of funding earning assets | 1.1156% | 2,877 |
| Net interest margin | 4.3159% | 1,657 |
| Noninterest income to average assets | -0.1328% | 7,234 |
| Noninterest expense to average assets | 3.2325% | 2,721 |
| Loan and lease loss provision to assets | 0.5089% | 1,949 |
| Net operating income to assets | 0.1569% | 5,811 |
| Return on assets (ROA) | 0.1569% | 5,935 |
| Pretax return on assets | 0.1569% | 5,985 |
| Return on Equity (ROE) | 1.7438% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.7438% | 5,271 |
| Net charge-offs to loans | 0.0928% | 5,047 |
| Credit loss provision to net charge-offs | 648.7179% | 418 |
| Earnings coverage of net charge-offs (x) | 8.4869% | 2,167 |
| Efficiency ratio | 82.9205% | 1,855 |
| Assets per employee ($millions) | 2.7759% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 2,551 |
| Loan loss allowance to noncurrent loans | 25.4558% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 7.9148% | 562 |
| Noncurrent loans to loans | 7.5577% | 617 |
| Net loans and leases to total assets | 82.2581% | 334 |
| Net loans and leases to deposits | 91.3367% | 1,069 |
| Net loans and leases to core deposits | 94.8033% | 1,719 |
| Total domestic deposits to total assets | 90.0603% | 834 |
| Equity capital to assets | 9.0135% | 5,743 |
| Core capital (leverage) ratio | 8.7145% | 5,385 |
| Tier 1 risk-based capital ratio | 11.7588% | 6,063 |
| Total risk-based capital ratio | 13.0234% | 6,050 |
| Memoranda: | ||
| Average total assets | $66,284,250 | 5,904 |
| Average earning assets | $61,909,250 | 5,849 |
| Average equity | $5,964,000 | 6,211 |
| Average total loans | $56,032,000 | 5,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4455% | 1,425 |
| Cost of funding earning assets | 1.1572% | 2,857 |
| Net interest margin | 4.2883% | 1,712 |
| Noninterest income to average assets | -0.1451% | 7,311 |
| Noninterest expense to average assets | 3.1222% | 3,172 |
| Loan and lease loss provision to assets | 0.4806% | 2,056 |
| Net operating income to assets | 0.2509% | 5,558 |
| Return on assets (ROA) | 0.2509% | 5,683 |
| Pretax return on assets | 0.2509% | 5,807 |
| Return on Equity (ROE) | 2.7898% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.7898% | 4,507 |
| Net charge-offs to loans | 0.0285% | 5,432 |
| Credit loss provision to net charge-offs | 1,987.5000% | 169 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 915 |
| Efficiency ratio | 81.0196% | 2,241 |
| Assets per employee ($millions) | 2.7242% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 2,967 |
| Loan loss allowance to noncurrent loans | 28.9391% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 7.5175% | 640 |
| Noncurrent loans to loans | 6.2440% | 923 |
| Net loans and leases to total assets | 84.1131% | 241 |
| Net loans and leases to deposits | 93.6259% | 899 |
| Net loans and leases to core deposits | 97.2399% | 1,558 |
| Total domestic deposits to total assets | 89.8396% | 1,053 |
| Equity capital to assets | 9.2076% | 5,273 |
| Core capital (leverage) ratio | 8.9964% | 4,730 |
| Tier 1 risk-based capital ratio | 11.6599% | 6,042 |
| Total risk-based capital ratio | 12.9187% | 6,034 |
| Memoranda: | ||
| Average total assets | $66,171,670 | 5,954 |
| Average earning assets | $61,702,330 | 5,896 |
| Average equity | $5,950,330 | 6,245 |
| Average total loans | $56,083,670 | 5,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 1,505 |
| Cost of funding earning assets | 1.1917% | 2,876 |
| Net interest margin | 4.2255% | 1,818 |
| Noninterest income to average assets | -0.0901% | 7,382 |
| Noninterest expense to average assets | 3.1908% | 2,926 |
| Loan and lease loss provision to assets | 0.5949% | 1,450 |
| Net operating income to assets | 0.0661% | 6,193 |
| Return on assets (ROA) | 0.0661% | 6,238 |
| Pretax return on assets | 0.0661% | 6,246 |
| Return on Equity (ROE) | 0.7438% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.7438% | 5,529 |
| Net charge-offs to loans | -0.0285% | 6,694 |
| Credit loss provision to net charge-offs | -2,475.0000% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8393% | 2,106 |
| Assets per employee ($millions) | 2.6414% | 6,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 3,239 |
| Loan loss allowance to noncurrent loans | 27.6139% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 7.4839% | 675 |
| Noncurrent loans to loans | 6.2751% | 983 |
| Net loans and leases to total assets | 82.7879% | 290 |
| Net loans and leases to deposits | 91.8853% | 1,029 |
| Net loans and leases to core deposits | 95.3851% | 1,731 |
| Total domestic deposits to total assets | 90.0992% | 1,097 |
| Equity capital to assets | 8.9619% | 5,260 |
| Core capital (leverage) ratio | 8.7579% | 4,989 |
| Tier 1 risk-based capital ratio | 11.4988% | 6,107 |
| Total risk-based capital ratio | 12.7575% | 6,077 |
| Memoranda: | ||
| Average total assets | $66,567,000 | 5,975 |
| Average earning assets | $62,098,500 | 5,932 |
| Average equity | $5,915,500 | 6,276 |
| Average total loans | $56,122,500 | 5,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8881% | 1,071 |
| Cost of funding earning assets | 1.4843% | 2,738 |
| Net interest margin | 4.4037% | 1,456 |
| Noninterest income to average assets | -0.0442% | 7,349 |
| Noninterest expense to average assets | 3.0901% | 3,504 |
| Loan and lease loss provision to assets | 1.5650% | 932 |
| Net operating income to assets | -0.6121% | 6,458 |
| Return on assets (ROA) | -0.6121% | 6,487 |
| Pretax return on assets | -0.6121% | 6,406 |
| Return on Equity (ROE) | -7.0135% | 6,557 |
| Retained earnings to average equity (ytd only) | -7.2332% | 6,472 |
| Net charge-offs to loans | 1.2451% | 1,802 |
| Credit loss provision to net charge-offs | 147.7716% | 2,477 |
| Earnings coverage of net charge-offs (x) | 0.8997% | 5,215 |
| Efficiency ratio | 76.4320% | 2,982 |
| Assets per employee ($millions) | 2.4851% | 7,030 |
| Cash dividends to net income (ytd only)* | -3.1325% | 7,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,895 |
| Loan loss allowance to noncurrent loans | 21.6549% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 7.4040% | 716 |
| Noncurrent loans to loans | 7.0232% | 801 |
| Net loans and leases to total assets | 83.0877% | 375 |
| Net loans and leases to deposits | 92.0713% | 1,260 |
| Net loans and leases to core deposits | 94.7743% | 2,162 |
| Total domestic deposits to total assets | 90.2428% | 959 |
| Equity capital to assets | 8.8124% | 5,418 |
| Core capital (leverage) ratio | 8.6507% | 5,101 |
| Tier 1 risk-based capital ratio | 11.3604% | 6,024 |
| Total risk-based capital ratio | 12.6162% | 6,017 |
| Memoranda: | ||
| Average total assets | $67,797,600 | 5,939 |
| Average earning assets | $62,923,800 | 5,898 |
| Average equity | $5,917,200 | 6,393 |
| Average total loans | $57,666,200 | 5,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9170% | 1,095 |
| Cost of funding earning assets | 1.5327% | 2,756 |
| Net interest margin | 4.3843% | 1,577 |
| Noninterest income to average assets | 0.0824% | 7,124 |
| Noninterest expense to average assets | 2.9894% | 3,787 |
| Loan and lease loss provision to assets | 1.9831% | 600 |
| Net operating income to assets | -0.8278% | 6,803 |
| Return on assets (ROA) | -0.8278% | 6,842 |
| Pretax return on assets | -0.8278% | 6,756 |
| Return on Equity (ROE) | -9.5070% | 6,907 |
| Retained earnings to average equity (ytd only) | -9.8000% | 6,868 |
| Net charge-offs to loans | 1.0104% | 1,991 |
| Credit loss provision to net charge-offs | 230.2961% | 1,493 |
| Earnings coverage of net charge-offs (x) | 1.3417% | 4,738 |
| Efficiency ratio | 72.1249% | 3,672 |
| Assets per employee ($millions) | 2.4793% | 7,102 |
| Cash dividends to net income (ytd only)* | -3.0801% | 7,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 2,608 |
| Loan loss allowance to noncurrent loans | 27.0875% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 7.7263% | 662 |
| Noncurrent loans to loans | 6.8531% | 837 |
| Net loans and leases to total assets | 86.0890% | 195 |
| Net loans and leases to deposits | 95.4849% | 1,047 |
| Net loans and leases to core deposits | 99.7525% | 1,874 |
| Total domestic deposits to total assets | 90.1598% | 798 |
| Equity capital to assets | 8.8856% | 5,728 |
| Core capital (leverage) ratio | 8.7247% | 5,143 |
| Tier 1 risk-based capital ratio | 11.0174% | 6,368 |
| Total risk-based capital ratio | 12.2782% | 6,328 |
| Memoranda: | ||
| Average total assets | $67,972,250 | 6,004 |
| Average earning assets | $62,980,250 | 5,957 |
| Average equity | $5,918,250 | 6,473 |
| Average total loans | $57,929,750 | 5,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0224% | 898 |
| Cost of funding earning assets | 1.5808% | 2,764 |
| Net interest margin | 4.4416% | 1,340 |
| Noninterest income to average assets | 0.1552% | 6,778 |
| Noninterest expense to average assets | 2.9656% | 3,834 |
| Loan and lease loss provision to assets | 1.8707% | 664 |
| Net operating income to assets | -0.5767% | 6,725 |
| Return on assets (ROA) | -0.5767% | 6,755 |
| Pretax return on assets | -0.5767% | 6,644 |
| Return on Equity (ROE) | -6.6686% | 6,811 |
| Retained earnings to average equity (ytd only) | -7.1086% | 6,748 |
| Net charge-offs to loans | 0.5445% | 2,897 |
| Credit loss provision to net charge-offs | 407.0064% | 894 |
| Earnings coverage of net charge-offs (x) | 2.8153% | 3,580 |
| Efficiency ratio | 69.6220% | 4,259 |
| Assets per employee ($millions) | 2.5196% | 7,078 |
| Cash dividends to net income (ytd only)* | -6.5990% | 7,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 3,043 |
| Loan loss allowance to noncurrent loans | 45.0450% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.2283% | 1,206 |
| Noncurrent loans to loans | 3.7914% | 2,035 |
| Net loans and leases to total assets | 87.8551% | 137 |
| Net loans and leases to deposits | 97.5293% | 919 |
| Net loans and leases to core deposits | 101.9810% | 1,831 |
| Total domestic deposits to total assets | 90.0808% | 886 |
| Equity capital to assets | 8.7362% | 5,832 |
| Core capital (leverage) ratio | 8.3756% | 5,620 |
| Tier 1 risk-based capital ratio | 10.5340% | 6,659 |
| Total risk-based capital ratio | 11.7916% | 6,647 |
| Memoranda: | ||
| Average total assets | $68,316,330 | 6,019 |
| Average earning assets | $63,131,000 | 5,982 |
| Average equity | $5,908,330 | 6,497 |
| Average total loans | $57,667,000 | 5,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9364% | 1,111 |
| Cost of funding earning assets | 1.6348% | 2,742 |
| Net interest margin | 4.3015% | 1,688 |
| Noninterest income to average assets | 0.2524% | 6,133 |
| Noninterest expense to average assets | 3.0752% | 3,366 |
| Loan and lease loss provision to assets | 0.3442% | 3,317 |
| Net operating income to assets | 0.8032% | 2,948 |
| Return on assets (ROA) | 0.8032% | 3,051 |
| Pretax return on assets | 0.8032% | 3,851 |
| Return on Equity (ROE) | 9.3318% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.3318% | 1,310 |
| Net charge-offs to loans | 0.4613% | 2,663 |
| Credit loss provision to net charge-offs | 90.9091% | 3,642 |
| Earnings coverage of net charge-offs (x) | 3.0303% | 3,041 |
| Efficiency ratio | 72.8261% | 3,791 |
| Assets per employee ($millions) | 2.9496% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 6,863 |
| Loan loss allowance to noncurrent loans | 22.9699% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 5.5218% | 1,116 |
| Noncurrent loans to loans | 3.8808% | 2,039 |
| Net loans and leases to total assets | 83.9107% | 384 |
| Net loans and leases to deposits | 93.1532% | 1,456 |
| Net loans and leases to core deposits | 97.2329% | 2,429 |
| Total domestic deposits to total assets | 90.0781% | 949 |
| Equity capital to assets | 8.9254% | 5,385 |
| Core capital (leverage) ratio | 8.5468% | 5,295 |
| Tier 1 risk-based capital ratio | 9.4581% | 7,324 |
| Total risk-based capital ratio | 10.2703% | 7,480 |
| Memoranda: | ||
| Average total assets | $69,720,000 | 6,052 |
| Average earning assets | $64,349,000 | 6,021 |
| Average equity | $6,001,000 | 6,521 |
| Average total loans | $57,224,000 | 5,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2559% | 1,102 |
| Cost of funding earning assets | 2.0081% | 2,925 |
| Net interest margin | 4.2478% | 1,904 |
| Noninterest income to average assets | 0.1226% | 7,142 |
| Noninterest expense to average assets | 3.1308% | 3,610 |
| Loan and lease loss provision to assets | 0.3014% | 5,022 |
| Net operating income to assets | 0.6471% | 3,150 |
| Return on assets (ROA) | 0.6471% | 3,202 |
| Pretax return on assets | 0.6471% | 3,759 |
| Return on Equity (ROE) | 7.4579% | 2,597 |
| Retained earnings to average equity (ytd only) | 5.2273% | 1,705 |
| Net charge-offs to loans | 0.4401% | 4,038 |
| Credit loss provision to net charge-offs | 86.0759% | 6,129 |
| Earnings coverage of net charge-offs (x) | 2.7089% | 3,748 |
| Efficiency ratio | 76.7476% | 3,400 |
| Assets per employee ($millions) | 2.6519% | 6,945 |
| Cash dividends to net income (ytd only)* | 29.9087% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 6,777 |
| Loan loss allowance to noncurrent loans | 34.2819% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 4.1145% | 1,597 |
| Noncurrent loans to loans | 2.6504% | 2,899 |
| Net loans and leases to total assets | 78.9008% | 1,205 |
| Net loans and leases to deposits | 87.0878% | 2,722 |
| Net loans and leases to core deposits | 108.9316% | 3,011 |
| Total domestic deposits to total assets | 90.5992% | 697 |
| Equity capital to assets | 8.3059% | 6,188 |
| Core capital (leverage) ratio | 8.8681% | 4,645 |
| Tier 1 risk-based capital ratio | 9.1889% | 7,381 |
| Total risk-based capital ratio | 10.0065% | 7,583 |
| Memoranda: | ||
| Average total assets | $67,682,200 | 6,091 |
| Average earning assets | $63,044,800 | 6,032 |
| Average equity | $5,873,000 | 6,645 |
| Average total loans | $53,846,600 | 5,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2246% | 1,310 |
| Cost of funding earning assets | 2.0606% | 3,072 |
| Net interest margin | 4.1640% | 2,170 |
| Noninterest income to average assets | 0.2579% | 6,390 |
| Noninterest expense to average assets | 3.1762% | 3,378 |
| Loan and lease loss provision to assets | 0.2878% | 4,672 |
| Net operating income to assets | 0.6836% | 3,266 |
| Return on assets (ROA) | 0.6836% | 3,318 |
| Pretax return on assets | 0.6836% | 3,913 |
| Return on Equity (ROE) | 7.7887% | 2,732 |
| Retained earnings to average equity (ytd only) | 7.0828% | 1,470 |
| Net charge-offs to loans | 0.5227% | 3,124 |
| Credit loss provision to net charge-offs | 69.2308% | 5,996 |
| Earnings coverage of net charge-offs (x) | 2.3365% | 4,069 |
| Efficiency ratio | 76.5783% | 3,407 |
| Assets per employee ($millions) | 2.4188% | 7,350 |
| Cash dividends to net income (ytd only)* | 9.0638% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,898 |
| Loan loss allowance to noncurrent loans | 21.0458% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 5.5606% | 1,020 |
| Noncurrent loans to loans | 4.1199% | 1,773 |
| Net loans and leases to total assets | 82.2109% | 770 |
| Net loans and leases to deposits | 91.2142% | 2,359 |
| Net loans and leases to core deposits | 108.0139% | 3,470 |
| Total domestic deposits to total assets | 90.1295% | 719 |
| Equity capital to assets | 8.8429% | 5,723 |
| Core capital (leverage) ratio | 8.6627% | 5,201 |
| Tier 1 risk-based capital ratio | 9.4086% | 7,433 |
| Total risk-based capital ratio | 10.1951% | 7,664 |
| Memoranda: | ||
| Average total assets | $66,702,750 | 6,168 |
| Average earning assets | $62,310,000 | 6,095 |
| Average equity | $5,854,500 | 6,720 |
| Average total loans | $53,055,500 | 5,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2286% | 1,383 |
| Cost of funding earning assets | 2.1020% | 3,256 |
| Net interest margin | 4.1266% | 2,234 |
| Noninterest income to average assets | 0.0995% | 7,485 |
| Noninterest expense to average assets | 3.0349% | 3,951 |
| Loan and lease loss provision to assets | 0.3134% | 4,064 |
| Net operating income to assets | 0.6088% | 3,642 |
| Return on assets (ROA) | 0.6088% | 3,750 |
| Pretax return on assets | 0.6088% | 4,297 |
| Return on Equity (ROE) | 6.9539% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,074 |
| Net charge-offs to loans | 0.6613% | 2,379 |
| Credit loss provision to net charge-offs | 60.4651% | 5,582 |
| Earnings coverage of net charge-offs (x) | 1.7791% | 4,222 |
| Efficiency ratio | 76.6946% | 3,567 |
| Assets per employee ($millions) | 2.6737% | 6,894 |
| Cash dividends to net income (ytd only)* | 15.3465% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,874 |
| Loan loss allowance to noncurrent loans | 30.5310% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 3.7671% | 1,620 |
| Noncurrent loans to loans | 2.8665% | 2,514 |
| Net loans and leases to total assets | 81.8438% | 980 |
| Net loans and leases to deposits | 93.7758% | 2,123 |
| Net loans and leases to core deposits | 110.6804% | 3,309 |
| Total domestic deposits to total assets | 87.2760% | 2,110 |
| Equity capital to assets | 8.7654% | 5,650 |
| Core capital (leverage) ratio | 8.5389% | 5,370 |
| Tier 1 risk-based capital ratio | 11.0108% | 5,862 |
| Total risk-based capital ratio | 11.9462% | 6,130 |
| Memoranda: | ||
| Average total assets | $66,361,330 | 6,213 |
| Average earning assets | $62,036,670 | 6,144 |
| Average equity | $5,809,670 | 6,792 |
| Average total loans | $52,018,670 | 5,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1394% | 1,800 |
| Cost of funding earning assets | 2.1653% | 3,341 |
| Net interest margin | 3.9741% | 2,760 |
| Noninterest income to average assets | 0.2480% | 6,471 |
| Noninterest expense to average assets | 3.1820% | 3,066 |
| Loan and lease loss provision to assets | 0.2662% | 3,833 |
| Net operating income to assets | 0.5082% | 4,382 |
| Return on assets (ROA) | 0.5082% | 4,569 |
| Pretax return on assets | 0.5082% | 5,060 |
| Return on Equity (ROE) | 5.8081% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,724 |
| Net charge-offs to loans | 0.4124% | 2,452 |
| Credit loss provision to net charge-offs | 84.6154% | 4,114 |
| Earnings coverage of net charge-offs (x) | 2.4615% | 3,512 |
| Efficiency ratio | 80.4281% | 2,760 |
| Assets per employee ($millions) | 2.3627% | 7,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,829 |
| Loan loss allowance to noncurrent loans | 26.8546% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 4.0450% | 1,265 |
| Noncurrent loans to loans | 3.8967% | 1,570 |
| Net loans and leases to total assets | 77.6150% | 1,911 |
| Net loans and leases to deposits | 86.1079% | 3,611 |
| Net loans and leases to core deposits | 101.5988% | 4,389 |
| Total domestic deposits to total assets | 90.1369% | 733 |
| Equity capital to assets | 8.7717% | 5,663 |
| Core capital (leverage) ratio | 8.5818% | 5,374 |
| Tier 1 risk-based capital ratio | 11.3771% | 5,526 |
| Total risk-based capital ratio | 12.4804% | 5,579 |
| Memoranda: | ||
| Average total assets | $66,121,000 | 6,248 |
| Average earning assets | $61,700,000 | 6,186 |
| Average equity | $5,785,000 | 6,843 |
| Average total loans | $50,433,500 | 5,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6066% | 2,455 |
| Cost of funding earning assets | 2.7789% | 2,792 |
| Net interest margin | 3.8277% | 3,904 |
| Noninterest income to average assets | 0.3145% | 6,203 |
| Noninterest expense to average assets | 2.9469% | 4,271 |
| Loan and lease loss provision to assets | 0.3239% | 3,787 |
| Net operating income to assets | 0.5881% | 4,359 |
| Return on assets (ROA) | 0.5881% | 4,225 |
| Pretax return on assets | 0.6133% | 4,653 |
| Return on Equity (ROE) | 6.8365% | 3,609 |
| Retained earnings to average equity (ytd only) | 3.6376% | 2,886 |
| Net charge-offs to loans | 0.1643% | 4,558 |
| Credit loss provision to net charge-offs | 260.7595% | 1,776 |
| Earnings coverage of net charge-offs (x) | 7.5443% | 3,085 |
| Efficiency ratio | 75.8704% | 3,252 |
| Assets per employee ($millions) | 2.3602% | 7,464 |
| Cash dividends to net income (ytd only)* | 46.7914% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,096 |
| Loan loss allowance to noncurrent loans | 27.5225% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 3.8420% | 1,100 |
| Noncurrent loans to loans | 4.0876% | 1,195 |
| Net loans and leases to total assets | 73.2772% | 3,289 |
| Net loans and leases to deposits | 81.3349% | 4,821 |
| Net loans and leases to core deposits | 96.0681% | 5,252 |
| Total domestic deposits to total assets | 90.0932% | 614 |
| Equity capital to assets | 8.7265% | 5,769 |
| Core capital (leverage) ratio | 8.5818% | 5,421 |
| Tier 1 risk-based capital ratio | 11.6091% | 5,148 |
| Total risk-based capital ratio | 12.7689% | 5,119 |
| Memoranda: | ||
| Average total assets | $63,593,200 | 6,247 |
| Average earning assets | $59,304,600 | 6,202 |
| Average equity | $5,470,600 | 6,989 |
| Average total loans | $48,086,000 | 5,785 |