Home > Bank of Cape Cod > Performance and Condition Ratios
Bank of Cape Cod, 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 | 4.0774% | 2,960 |
| Cost of funding earning assets | 0.7243% | 723 |
| Net interest margin | 3.3531% | 4,021 |
| Noninterest income to average assets | 0.2988% | 4,626 |
| Noninterest expense to average assets | 2.9818% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3096% | 5,266 |
| Return on assets (ROA) | 0.3126% | 5,341 |
| Pretax return on assets | 0.4806% | 5,170 |
| Return on Equity (ROE) | 3.0352% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.0352% | 4,094 |
| 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 | 86.2334% | 803 |
| Assets per employee ($millions) | 10.9108% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,522 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 1,896 |
| Noncurrent loans to loans | 0.0783% | 5,036 |
| Net loans and leases to total assets | 86.9472% | 187 |
| Net loans and leases to deposits | 112.4230% | 216 |
| Net loans and leases to core deposits | 128.2569% | 324 |
| Total domestic deposits to total assets | 77.3393% | 5,023 |
| Equity capital to assets | 10.4151% | 3,655 |
| Core capital (leverage) ratio | 10.2682% | 3,260 |
| Tier 1 risk-based capital ratio | 12.1342% | 4,709 |
| Total risk-based capital ratio | 13.1631% | 4,733 |
| Memoranda: | ||
| Average total assets | $261,045,500 | 2,443 |
| Average earning assets | $245,937,500 | 2,401 |
| Average equity | $26,883,750 | 2,594 |
| Average total loans | $231,815,750 | 1,897 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,044 |
| Cost of funding earning assets | 0.7567% | 605 |
| Net interest margin | 3.2980% | 4,245 |
| Noninterest income to average assets | 0.2976% | 4,655 |
| Noninterest expense to average assets | 2.8009% | 3,025 |
| Loan and lease loss provision to assets | 0.0253% | 3,630 |
| Net operating income to assets | 0.3769% | 5,100 |
| Return on assets (ROA) | 0.3789% | 5,178 |
| Pretax return on assets | 0.5898% | 4,909 |
| Return on Equity (ROE) | 3.6929% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.6929% | 3,539 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0674% | 1,261 |
| Assets per employee ($millions) | 9.6660% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,661 |
| Loan loss allowance to noncurrent loans | 1,268.3333% | 482 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 1,954 |
| Noncurrent loans to loans | 0.0766% | 5,144 |
| Net loans and leases to total assets | 89.1798% | 92 |
| Net loans and leases to deposits | 117.9544% | 121 |
| Net loans and leases to core deposits | 134.9319% | 239 |
| Total domestic deposits to total assets | 75.6053% | 5,341 |
| Equity capital to assets | 10.3765% | 3,763 |
| Core capital (leverage) ratio | 10.3057% | 3,190 |
| Tier 1 risk-based capital ratio | 11.9198% | 4,881 |
| Total risk-based capital ratio | 12.9522% | 4,926 |
| Memoranda: | ||
| Average total assets | $260,774,330 | 2,452 |
| Average earning assets | $246,329,330 | 2,415 |
| Average equity | $26,754,000 | 2,611 |
| Average total loans | $232,444,670 | 1,893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,208 |
| Cost of funding earning assets | 0.7784% | 548 |
| Net interest margin | 3.2272% | 4,483 |
| Noninterest income to average assets | 0.3391% | 4,308 |
| Noninterest expense to average assets | 2.8833% | 2,760 |
| Loan and lease loss provision to assets | 0.0230% | 3,383 |
| Net operating income to assets | 0.3116% | 5,271 |
| Return on assets (ROA) | 0.3146% | 5,345 |
| Pretax return on assets | 0.4910% | 5,107 |
| Return on Equity (ROE) | 3.0838% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.0838% | 3,972 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9842% | 1,066 |
| Assets per employee ($millions) | 7.2435% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,752 |
| Loan loss allowance to noncurrent loans | 3,431.8182% | 199 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 2,128 |
| Noncurrent loans to loans | 0.0283% | 5,383 |
| Net loans and leases to total assets | 88.4575% | 97 |
| Net loans and leases to deposits | 110.5002% | 214 |
| Net loans and leases to core deposits | 127.8116% | 306 |
| Total domestic deposits to total assets | 80.0519% | 4,732 |
| Equity capital to assets | 10.2490% | 3,795 |
| Core capital (leverage) ratio | 10.2185% | 3,295 |
| Tier 1 risk-based capital ratio | 11.8314% | 5,029 |
| Total risk-based capital ratio | 12.8619% | 5,071 |
| Memoranda: | ||
| Average total assets | $260,670,000 | 2,458 |
| Average earning assets | $246,652,500 | 2,416 |
| Average equity | $26,590,500 | 2,622 |
| Average total loans | $231,153,500 | 1,908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 2,885 |
| Cost of funding earning assets | 0.7532% | 629 |
| Net interest margin | 3.3542% | 4,096 |
| Noninterest income to average assets | 0.4215% | 3,878 |
| Noninterest expense to average assets | 3.0667% | 2,331 |
| Loan and lease loss provision to assets | 0.0492% | 3,339 |
| Net operating income to assets | 0.2972% | 5,370 |
| Return on assets (ROA) | 0.2988% | 5,445 |
| Pretax return on assets | 0.4551% | 5,214 |
| Return on Equity (ROE) | 2.8770% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,297 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9352% | 996 |
| Assets per employee ($millions) | 7.4449% | 720 |
| Cash dividends to net income (ytd only)* | 13.3869% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,711 |
| Loan loss allowance to noncurrent loans | 2,368.4211% | 285 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 2,083 |
| Noncurrent loans to loans | 0.0414% | 5,352 |
| Net loans and leases to total assets | 87.1633% | 161 |
| Net loans and leases to deposits | 106.0693% | 359 |
| Net loans and leases to core deposits | 127.7183% | 303 |
| Total domestic deposits to total assets | 82.1758% | 4,119 |
| Equity capital to assets | 10.1526% | 3,802 |
| Core capital (leverage) ratio | 9.9425% | 3,592 |
| Tier 1 risk-based capital ratio | 11.7506% | 5,102 |
| Total risk-based capital ratio | 12.7836% | 5,139 |
| Memoranda: | ||
| Average total assets | $250,037,800 | 2,506 |
| Average earning assets | $234,603,000 | 2,468 |
| Average equity | $25,964,800 | 2,621 |
| Average total loans | $215,858,000 | 1,953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 2,732 |
| Cost of funding earning assets | 0.7417% | 677 |
| Net interest margin | 3.4140% | 3,895 |
| Noninterest income to average assets | 0.3616% | 4,346 |
| Noninterest expense to average assets | 3.0131% | 2,478 |
| Loan and lease loss provision to assets | 0.1202% | 1,893 |
| Net operating income to assets | 0.2804% | 5,512 |
| Return on assets (ROA) | 0.2808% | 5,582 |
| Pretax return on assets | 0.4241% | 5,415 |
| Return on Equity (ROE) | 2.6880% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.6880% | 4,504 |
| Net charge-offs to loans | 0.0627% | 2,693 |
| Credit loss provision to net charge-offs | 223.0000% | 1,230 |
| Earnings coverage of net charge-offs (x) | 10.0900% | 2,627 |
| Efficiency ratio | 84.7121% | 1,107 |
| Assets per employee ($millions) | 7.3335% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,703 |
| Loan loss allowance to noncurrent loans | 3,688.5246% | 207 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 2,188 |
| Noncurrent loans to loans | 0.0273% | 5,521 |
| Net loans and leases to total assets | 83.6367% | 411 |
| Net loans and leases to deposits | 101.2133% | 598 |
| Net loans and leases to core deposits | 122.2037% | 417 |
| Total domestic deposits to total assets | 82.6340% | 3,944 |
| Equity capital to assets | 9.9513% | 4,221 |
| Core capital (leverage) ratio | 9.8806% | 3,796 |
| Tier 1 risk-based capital ratio | 11.6860% | 5,274 |
| Total risk-based capital ratio | 12.7344% | 5,305 |
| Memoranda: | ||
| Average total assets | $247,404,000 | 2,544 |
| Average earning assets | $231,548,750 | 2,515 |
| Average equity | $25,842,250 | 2,653 |
| Average total loans | $212,479,000 | 1,984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,935 |
| Cost of funding earning assets | 0.7327% | 707 |
| Net interest margin | 3.3564% | 4,075 |
| Noninterest income to average assets | 0.3696% | 4,302 |
| Noninterest expense to average assets | 3.0744% | 2,325 |
| Loan and lease loss provision to assets | 0.0645% | 2,829 |
| Net operating income to assets | 0.2467% | 5,587 |
| Return on assets (ROA) | 0.2472% | 5,663 |
| Pretax return on assets | 0.3680% | 5,545 |
| Return on Equity (ROE) | 2.3269% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.3269% | 4,567 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6887% | 928 |
| Assets per employee ($millions) | 6.9306% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,869 |
| Loan loss allowance to noncurrent loans | 236.3344% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 1,589 |
| Noncurrent loans to loans | 0.4234% | 4,210 |
| Net loans and leases to total assets | 87.4269% | 170 |
| Net loans and leases to deposits | 106.7585% | 348 |
| Net loans and leases to core deposits | 128.6660% | 294 |
| Total domestic deposits to total assets | 81.8922% | 4,326 |
| Equity capital to assets | 10.4036% | 3,559 |
| Core capital (leverage) ratio | 10.3601% | 3,135 |
| Tier 1 risk-based capital ratio | 10.7800% | 5,813 |
| Total risk-based capital ratio | 11.7400% | 5,867 |
| Memoranda: | ||
| Average total assets | $241,870,330 | 2,598 |
| Average earning assets | $226,016,000 | 2,575 |
| Average equity | $25,699,000 | 2,673 |
| Average total loans | $208,953,670 | 2,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,007 |
| Cost of funding earning assets | 0.7396% | 698 |
| Net interest margin | 3.3183% | 4,142 |
| Noninterest income to average assets | 0.3394% | 4,478 |
| Noninterest expense to average assets | 3.0732% | 2,350 |
| Loan and lease loss provision to assets | 0.0386% | 3,133 |
| Net operating income to assets | 0.2223% | 5,625 |
| Return on assets (ROA) | 0.2235% | 5,715 |
| Pretax return on assets | 0.3277% | 5,579 |
| Return on Equity (ROE) | 2.0806% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.0806% | 4,633 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3939% | 895 |
| Assets per employee ($millions) | 6.6306% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 4,834 |
| Loan loss allowance to noncurrent loans | 172.5522% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 1,428 |
| Noncurrent loans to loans | 0.6015% | 3,773 |
| Net loans and leases to total assets | 85.8840% | 202 |
| Net loans and leases to deposits | 103.8179% | 376 |
| Net loans and leases to core deposits | 127.4352% | 280 |
| Total domestic deposits to total assets | 82.7256% | 4,262 |
| Equity capital to assets | 10.7683% | 3,236 |
| Core capital (leverage) ratio | 10.6822% | 2,764 |
| Tier 1 risk-based capital ratio | 11.3320% | 5,644 |
| Total risk-based capital ratio | 12.3272% | 5,691 |
| Memoranda: | ||
| Average total assets | $238,055,500 | 2,652 |
| Average earning assets | $222,282,000 | 2,619 |
| Average equity | $25,570,000 | 2,697 |
| Average total loans | $203,263,000 | 2,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,072 |
| Cost of funding earning assets | 0.8048% | 634 |
| Net interest margin | 3.3580% | 4,377 |
| Noninterest income to average assets | 0.3166% | 4,854 |
| Noninterest expense to average assets | 2.9953% | 2,854 |
| Loan and lease loss provision to assets | 0.1081% | 2,353 |
| Net operating income to assets | 0.2463% | 5,668 |
| Return on assets (ROA) | 0.2534% | 5,709 |
| Pretax return on assets | 0.3961% | 5,498 |
| Return on Equity (ROE) | 2.3749% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.9744% | 4,808 |
| Net charge-offs to loans | 0.0925% | 3,172 |
| Credit loss provision to net charge-offs | 143.7500% | 1,657 |
| Earnings coverage of net charge-offs (x) | 6.5568% | 3,176 |
| Efficiency ratio | 85.8648% | 1,188 |
| Assets per employee ($millions) | 6.4165% | 1,104 |
| Cash dividends to net income (ytd only)* | 16.8634% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 2,325 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.0812% | 424 |
| Net loans and leases to deposits | 98.7954% | 700 |
| Net loans and leases to core deposits | 122.0464% | 368 |
| Total domestic deposits to total assets | 84.0943% | 3,669 |
| Equity capital to assets | 10.7139% | 3,218 |
| Core capital (leverage) ratio | 10.2270% | 3,277 |
| Tier 1 risk-based capital ratio | 11.6269% | 5,591 |
| Total risk-based capital ratio | 12.6471% | 5,640 |
| Memoranda: | ||
| Average total assets | $234,036,000 | 2,661 |
| Average earning assets | $221,053,800 | 2,615 |
| Average equity | $24,969,800 | 2,664 |
| Average total loans | $190,256,400 | 2,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 3,180 |
| Cost of funding earning assets | 0.8015% | 677 |
| Net interest margin | 3.3455% | 4,450 |
| Noninterest income to average assets | 0.2962% | 5,083 |
| Noninterest expense to average assets | 2.8931% | 3,146 |
| Loan and lease loss provision to assets | 0.1824% | 1,344 |
| Net operating income to assets | 0.2459% | 5,741 |
| Return on assets (ROA) | 0.2459% | 5,806 |
| Pretax return on assets | 0.3899% | 5,601 |
| Return on Equity (ROE) | 2.3068% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.3068% | 4,902 |
| Net charge-offs to loans | 0.1248% | 2,557 |
| Credit loss provision to net charge-offs | 181.2500% | 1,380 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 3,214 |
| Efficiency ratio | 83.4846% | 1,450 |
| Assets per employee ($millions) | 6.4155% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 4,547 |
| Loan loss allowance to noncurrent loans | 728.5714% | 724 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 2,353 |
| Noncurrent loans to loans | 0.1568% | 5,435 |
| Net loans and leases to total assets | 77.8649% | 975 |
| Net loans and leases to deposits | 92.0462% | 1,224 |
| Net loans and leases to core deposits | 113.0199% | 619 |
| Total domestic deposits to total assets | 84.5932% | 3,502 |
| Equity capital to assets | 10.3220% | 3,767 |
| Core capital (leverage) ratio | 10.0892% | 3,542 |
| Tier 1 risk-based capital ratio | 11.7163% | 5,668 |
| Total risk-based capital ratio | 12.7855% | 5,700 |
| Memoranda: | ||
| Average total assets | $233,192,250 | 2,687 |
| Average earning assets | $220,905,000 | 2,625 |
| Average equity | $24,853,250 | 2,685 |
| Average total loans | $187,977,750 | 2,149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 3,312 |
| Cost of funding earning assets | 0.7584% | 890 |
| Net interest margin | 3.3482% | 4,417 |
| Noninterest income to average assets | 0.3231% | 4,830 |
| Noninterest expense to average assets | 2.8686% | 3,277 |
| Loan and lease loss provision to assets | 0.1689% | 1,451 |
| Net operating income to assets | 0.2935% | 5,585 |
| Return on assets (ROA) | 0.2935% | 5,654 |
| Pretax return on assets | 0.4729% | 5,356 |
| Return on Equity (ROE) | 2.7233% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.7233% | 4,465 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7167% | 1,775 |
| Assets per employee ($millions) | 6.9741% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,619 |
| Loan loss allowance to noncurrent loans | 189.5270% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 4,511 |
| Noncurrent loans to loans | 0.6121% | 4,190 |
| Net loans and leases to total assets | 80.6343% | 609 |
| Net loans and leases to deposits | 97.3742% | 708 |
| Net loans and leases to core deposits | 119.8243% | 385 |
| Total domestic deposits to total assets | 82.8087% | 4,379 |
| Equity capital to assets | 10.5849% | 3,331 |
| Core capital (leverage) ratio | 10.6809% | 2,743 |
| Tier 1 risk-based capital ratio | 11.8818% | 5,605 |
| Total risk-based capital ratio | 12.9947% | 5,610 |
| Memoranda: | ||
| Average total assets | $229,660,000 | 2,733 |
| Average earning assets | $218,628,000 | 2,654 |
| Average equity | $24,749,670 | 2,688 |
| Average total loans | $186,630,670 | 2,165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,563 |
| Cost of funding earning assets | 0.7383% | 1,029 |
| Net interest margin | 3.2925% | 4,572 |
| Noninterest income to average assets | 0.3930% | 4,247 |
| Noninterest expense to average assets | 2.8398% | 3,418 |
| Loan and lease loss provision to assets | 0.1310% | 1,853 |
| Net operating income to assets | 0.3488% | 5,317 |
| Return on assets (ROA) | 0.3488% | 5,379 |
| Pretax return on assets | 0.5648% | 4,966 |
| Return on Equity (ROE) | 3.2065% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.2065% | 4,197 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3205% | 2,156 |
| Assets per employee ($millions) | 7.3224% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 4,909 |
| Loan loss allowance to noncurrent loans | 240.2715% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 4,978 |
| Noncurrent loans to loans | 0.4755% | 4,737 |
| Net loans and leases to total assets | 80.9723% | 461 |
| Net loans and leases to deposits | 99.6454% | 452 |
| Net loans and leases to core deposits | 124.6299% | 245 |
| Total domestic deposits to total assets | 81.2604% | 5,163 |
| Equity capital to assets | 10.8861% | 2,842 |
| Core capital (leverage) ratio | 10.9447% | 2,439 |
| Tier 1 risk-based capital ratio | 12.2411% | 5,479 |
| Total risk-based capital ratio | 13.3393% | 5,516 |
| Memoranda: | ||
| Average total assets | $225,930,000 | 2,770 |
| Average earning assets | $215,643,000 | 2,686 |
| Average equity | $24,575,000 | 2,686 |
| Average total loans | $183,224,000 | 2,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 3,196 |
| Cost of funding earning assets | 0.8609% | 907 |
| Net interest margin | 3.3781% | 4,371 |
| Noninterest income to average assets | 0.2429% | 5,607 |
| Noninterest expense to average assets | 2.9144% | 3,332 |
| Loan and lease loss provision to assets | 0.1227% | 2,775 |
| Net operating income to assets | 0.2631% | 5,645 |
| Return on assets (ROA) | 0.2634% | 5,725 |
| Pretax return on assets | 0.4197% | 5,442 |
| Return on Equity (ROE) | 2.6087% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.8324% | 4,929 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3217% | 1,593 |
| Assets per employee ($millions) | 7.0270% | 754 |
| Cash dividends to net income (ytd only)* | 29.7597% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 4,965 |
| Loan loss allowance to noncurrent loans | 231.9005% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 5,074 |
| Noncurrent loans to loans | 0.4897% | 4,769 |
| Net loans and leases to total assets | 79.3681% | 663 |
| Net loans and leases to deposits | 98.8896% | 545 |
| Net loans and leases to core deposits | 121.7841% | 304 |
| Total domestic deposits to total assets | 80.2593% | 5,385 |
| Equity capital to assets | 10.8683% | 2,739 |
| Core capital (leverage) ratio | 10.8722% | 2,509 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,354 |
| Total risk-based capital ratio | 13.4926% | 5,391 |
| Memoranda: | ||
| Average total assets | $205,394,000 | 2,967 |
| Average earning assets | $195,375,200 | 2,884 |
| Average equity | $20,738,000 | 3,080 |
| Average total loans | $168,941,800 | 2,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,131 |
| Cost of funding earning assets | 0.8813% | 899 |
| Net interest margin | 3.3852% | 4,334 |
| Noninterest income to average assets | 0.2048% | 5,952 |
| Noninterest expense to average assets | 2.9907% | 3,027 |
| Loan and lease loss provision to assets | 0.1423% | 2,506 |
| Net operating income to assets | 0.1828% | 5,956 |
| Return on assets (ROA) | 0.1828% | 6,024 |
| Pretax return on assets | 0.2846% | 5,908 |
| Return on Equity (ROE) | 1.8506% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.8506% | 5,211 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5097% | 1,212 |
| Assets per employee ($millions) | 6.3243% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 5,183 |
| Loan loss allowance to noncurrent loans | 227.3446% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,154 |
| Noncurrent loans to loans | 0.4994% | 4,946 |
| Net loans and leases to total assets | 83.9546% | 253 |
| Net loans and leases to deposits | 101.9172% | 385 |
| Net loans and leases to core deposits | 128.2294% | 212 |
| Total domestic deposits to total assets | 82.3753% | 4,799 |
| Equity capital to assets | 9.8327% | 4,128 |
| Core capital (leverage) ratio | 9.7217% | 4,074 |
| Tier 1 risk-based capital ratio | 10.6396% | 6,412 |
| Total risk-based capital ratio | 11.7530% | 6,423 |
| Memoranda: | ||
| Average total assets | $200,526,250 | 3,049 |
| Average earning assets | $190,311,250 | 2,969 |
| Average equity | $19,812,750 | 3,210 |
| Average total loans | $166,047,000 | 2,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,241 |
| Cost of funding earning assets | 0.9037% | 880 |
| Net interest margin | 3.3262% | 4,466 |
| Noninterest income to average assets | 0.1830% | 6,110 |
| Noninterest expense to average assets | 2.9899% | 3,031 |
| Loan and lease loss provision to assets | 0.0768% | 3,519 |
| Net operating income to assets | 0.1850% | 5,946 |
| Return on assets (ROA) | 0.1850% | 6,060 |
| Pretax return on assets | 0.2760% | 5,938 |
| Return on Equity (ROE) | 1.8696% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.8696% | 5,080 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4434% | 1,088 |
| Assets per employee ($millions) | 5.9162% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 81.5547% | 387 |
| Net loans and leases to deposits | 99.8934% | 432 |
| Net loans and leases to core deposits | 123.9649% | 255 |
| Total domestic deposits to total assets | 81.6417% | 5,160 |
| Equity capital to assets | 10.1351% | 3,742 |
| Core capital (leverage) ratio | 9.9513% | 3,585 |
| Tier 1 risk-based capital ratio | 11.1855% | 6,255 |
| Total risk-based capital ratio | 12.2812% | 6,297 |
| Memoranda: | ||
| Average total assets | $197,801,330 | 3,095 |
| Average earning assets | $187,899,670 | 3,019 |
| Average equity | $19,576,670 | 3,251 |
| Average total loans | $162,320,670 | 2,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 3,150 |
| Cost of funding earning assets | 0.9123% | 934 |
| Net interest margin | 3.3274% | 4,410 |
| Noninterest income to average assets | 0.1632% | 6,282 |
| Noninterest expense to average assets | 2.9369% | 3,200 |
| Loan and lease loss provision to assets | 0.0367% | 3,981 |
| Net operating income to assets | 0.2488% | 5,731 |
| Return on assets (ROA) | 0.2488% | 5,852 |
| Pretax return on assets | 0.3508% | 5,715 |
| Return on Equity (ROE) | 2.5454% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.5454% | 4,749 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3436% | 1,295 |
| Assets per employee ($millions) | 6.1378% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 82.9178% | 241 |
| Net loans and leases to deposits | 100.1119% | 347 |
| Net loans and leases to core deposits | 124.6827% | 219 |
| Total domestic deposits to total assets | 82.8251% | 4,913 |
| Equity capital to assets | 10.4252% | 3,638 |
| Core capital (leverage) ratio | 10.0915% | 3,283 |
| Tier 1 risk-based capital ratio | 11.3053% | 6,273 |
| Total risk-based capital ratio | 12.3840% | 6,322 |
| Memoranda: | ||
| Average total assets | $196,126,000 | 3,141 |
| Average earning assets | $186,334,000 | 3,068 |
| Average equity | $19,171,500 | 3,354 |
| Average total loans | $160,520,500 | 2,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 3,605 |
| Cost of funding earning assets | 1.0144% | 1,279 |
| Net interest margin | 3.4375% | 4,755 |
| Noninterest income to average assets | 0.2066% | 5,938 |
| Noninterest expense to average assets | 2.7946% | 4,038 |
| Loan and lease loss provision to assets | 0.2239% | 2,889 |
| Net operating income to assets | 0.2750% | 5,556 |
| Return on assets (ROA) | 0.2912% | 5,707 |
| Pretax return on assets | 0.4644% | 5,385 |
| Return on Equity (ROE) | 2.8486% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.4356% | 5,155 |
| Net charge-offs to loans | 0.0182% | 5,660 |
| Credit loss provision to net charge-offs | 1,556.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 46.0800% | 713 |
| Efficiency ratio | 80.8256% | 2,031 |
| Assets per employee ($millions) | 6.9944% | 764 |
| Cash dividends to net income (ytd only)* | 49.6047% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 78.9255% | 575 |
| Net loans and leases to deposits | 92.8382% | 844 |
| Net loans and leases to core deposits | 114.3481% | 406 |
| Total domestic deposits to total assets | 85.0140% | 3,856 |
| Equity capital to assets | 9.1231% | 5,373 |
| Core capital (leverage) ratio | 9.0082% | 4,885 |
| Tier 1 risk-based capital ratio | 9.9699% | 6,711 |
| Total risk-based capital ratio | 11.0701% | 6,716 |
| Memoranda: | ||
| Average total assets | $173,761,600 | 3,389 |
| Average earning assets | $164,335,600 | 3,315 |
| Average equity | $17,762,800 | 3,503 |
| Average total loans | $137,121,600 | 2,756 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 3,565 |
| Cost of funding earning assets | 1.0365% | 1,360 |
| Net interest margin | 3.4813% | 4,711 |
| Noninterest income to average assets | 0.2140% | 6,007 |
| Noninterest expense to average assets | 2.8340% | 3,858 |
| Loan and lease loss provision to assets | 0.2243% | 2,814 |
| Net operating income to assets | 0.2768% | 5,693 |
| Return on assets (ROA) | 0.2940% | 5,835 |
| Pretax return on assets | 0.4699% | 5,542 |
| Return on Equity (ROE) | 2.7888% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.7888% | 4,879 |
| Net charge-offs to loans | 0.0252% | 5,317 |
| Credit loss provision to net charge-offs | 1,132.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 33.6826% | 999 |
| Efficiency ratio | 80.9416% | 1,946 |
| Assets per employee ($millions) | 6.4760% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 77.9553% | 736 |
| Net loans and leases to deposits | 92.4958% | 919 |
| Net loans and leases to core deposits | 116.4980% | 373 |
| Total domestic deposits to total assets | 84.2798% | 4,089 |
| Equity capital to assets | 9.9367% | 4,595 |
| Core capital (leverage) ratio | 9.3175% | 4,550 |
| Tier 1 risk-based capital ratio | 11.0159% | 6,474 |
| Total risk-based capital ratio | 12.1529% | 6,500 |
| Memoranda: | ||
| Average total assets | $168,241,250 | 3,520 |
| Average earning assets | $158,864,750 | 3,430 |
| Average equity | $17,736,750 | 3,543 |
| Average total loans | $132,310,250 | 2,869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,827 |
| Cost of funding earning assets | 1.0284% | 1,592 |
| Net interest margin | 3.4568% | 4,853 |
| Noninterest income to average assets | 0.1794% | 6,286 |
| Noninterest expense to average assets | 2.7764% | 4,109 |
| Loan and lease loss provision to assets | 0.3454% | 1,902 |
| Net operating income to assets | 0.1839% | 5,964 |
| Return on assets (ROA) | 0.1940% | 6,118 |
| Pretax return on assets | 0.3307% | 5,894 |
| Return on Equity (ROE) | 1.8024% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.8024% | 5,291 |
| Net charge-offs to loans | 0.0388% | 4,831 |
| Credit loss provision to net charge-offs | 1,132.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 21.6400% | 1,331 |
| Efficiency ratio | 80.7884% | 2,065 |
| Assets per employee ($millions) | 6.0147% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 77.6618% | 766 |
| Net loans and leases to deposits | 93.8336% | 786 |
| Net loans and leases to core deposits | 118.0893% | 346 |
| Total domestic deposits to total assets | 82.7655% | 4,844 |
| Equity capital to assets | 9.8393% | 4,558 |
| Core capital (leverage) ratio | 10.0758% | 3,312 |
| Tier 1 risk-based capital ratio | 10.9270% | 6,533 |
| Total risk-based capital ratio | 12.0704% | 6,551 |
| Memoranda: | ||
| Average total assets | $163,879,330 | 3,599 |
| Average earning assets | $154,419,670 | 3,527 |
| Average equity | $17,643,000 | 3,550 |
| Average total loans | $128,732,000 | 2,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 3,667 |
| Cost of funding earning assets | 1.0862% | 1,468 |
| Net interest margin | 3.4764% | 4,805 |
| Noninterest income to average assets | 0.1697% | 6,362 |
| Noninterest expense to average assets | 2.7815% | 4,119 |
| Loan and lease loss provision to assets | 0.2956% | 2,112 |
| Net operating income to assets | 0.2040% | 5,975 |
| Return on assets (ROA) | 0.2057% | 6,114 |
| Pretax return on assets | 0.3779% | 5,788 |
| Return on Equity (ROE) | 1.8195% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.8195% | 5,335 |
| Net charge-offs to loans | 0.0818% | 3,679 |
| Credit loss provision to net charge-offs | 460.0000% | 705 |
| Earnings coverage of net charge-offs (x) | 10.4400% | 1,758 |
| Efficiency ratio | 80.5659% | 2,135 |
| Assets per employee ($millions) | 6.6292% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,385 |
| Loan loss allowance to noncurrent loans | 314.6694% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 6,131 |
| Noncurrent loans to loans | 0.3886% | 5,899 |
| Net loans and leases to total assets | 77.3276% | 658 |
| Net loans and leases to deposits | 96.1916% | 523 |
| Net loans and leases to core deposits | 120.1467% | 310 |
| Total domestic deposits to total assets | 80.3892% | 5,754 |
| Equity capital to assets | 11.0930% | 2,805 |
| Core capital (leverage) ratio | 11.0176% | 2,245 |
| Tier 1 risk-based capital ratio | 12.3333% | 5,732 |
| Total risk-based capital ratio | 13.5039% | 5,763 |
| Memoranda: | ||
| Average total assets | $155,599,000 | 3,766 |
| Average earning assets | $146,935,000 | 3,684 |
| Average equity | $17,587,500 | 3,558 |
| Average total loans | $122,186,000 | 3,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 4,414 |
| Cost of funding earning assets | 1.1856% | 2,124 |
| Net interest margin | 3.4758% | 5,235 |
| Noninterest income to average assets | 0.1758% | 6,234 |
| Noninterest expense to average assets | 2.9090% | 3,926 |
| Loan and lease loss provision to assets | 0.3018% | 3,257 |
| Net operating income to assets | 0.1523% | 5,725 |
| Return on assets (ROA) | 0.2460% | 5,581 |
| Pretax return on assets | 0.4098% | 5,266 |
| Return on Equity (ROE) | 2.1733% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.1733% | 4,669 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7315% | 1,796 |
| Assets per employee ($millions) | 6.6129% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,402 |
| Loan loss allowance to noncurrent loans | 264.0884% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 6,083 |
| Noncurrent loans to loans | 0.4532% | 5,800 |
| Net loans and leases to total assets | 77.8359% | 725 |
| Net loans and leases to deposits | 94.9252% | 747 |
| Net loans and leases to core deposits | 116.5515% | 433 |
| Total domestic deposits to total assets | 81.9970% | 5,127 |
| Equity capital to assets | 11.5229% | 2,487 |
| Core capital (leverage) ratio | 11.1053% | 2,185 |
| Tier 1 risk-based capital ratio | 12.7971% | 5,242 |
| Total risk-based capital ratio | 13.9476% | 5,288 |
| Memoranda: | ||
| Average total assets | $132,518,600 | 4,117 |
| Average earning assets | $125,756,600 | 4,019 |
| Average equity | $15,000,000 | 3,906 |
| Average total loans | $99,285,600 | 3,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 4,723 |
| Cost of funding earning assets | 1.2115% | 2,246 |
| Net interest margin | 3.4234% | 5,496 |
| Noninterest income to average assets | 0.1651% | 6,412 |
| Noninterest expense to average assets | 2.9377% | 3,786 |
| Loan and lease loss provision to assets | 0.2821% | 3,267 |
| Net operating income to assets | 0.1127% | 5,936 |
| Return on assets (ROA) | 0.2257% | 5,765 |
| Pretax return on assets | 0.3750% | 5,543 |
| Return on Equity (ROE) | 2.0043% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.0043% | 5,134 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9413% | 1,536 |
| Assets per employee ($millions) | 6.4200% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,607 |
| Loan loss allowance to noncurrent loans | 258.7302% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 6,212 |
| Noncurrent loans to loans | 0.4510% | 5,939 |
| Net loans and leases to total assets | 74.7928% | 1,181 |
| Net loans and leases to deposits | 91.0649% | 1,101 |
| Net loans and leases to core deposits | 110.9616% | 633 |
| Total domestic deposits to total assets | 82.1312% | 5,040 |
| Equity capital to assets | 11.8218% | 2,398 |
| Core capital (leverage) ratio | 11.5878% | 1,964 |
| Tier 1 risk-based capital ratio | 13.4620% | 4,766 |
| Total risk-based capital ratio | 14.5711% | 4,840 |
| Memoranda: | ||
| Average total assets | $127,624,000 | 4,239 |
| Average earning assets | $121,279,750 | 4,127 |
| Average equity | $14,368,500 | 4,059 |
| Average total loans | $94,152,000 | 3,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 4,724 |
| Cost of funding earning assets | 1.2088% | 2,517 |
| Net interest margin | 3.4480% | 5,377 |
| Noninterest income to average assets | 0.1488% | 6,579 |
| Noninterest expense to average assets | 3.0295% | 3,526 |
| Loan and lease loss provision to assets | 0.0910% | 5,180 |
| Net operating income to assets | 0.1910% | 5,765 |
| Return on assets (ROA) | 0.1984% | 5,864 |
| Pretax return on assets | 0.3324% | 5,592 |
| Return on Equity (ROE) | 1.7992% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.7992% | 5,096 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0346% | 1,411 |
| Assets per employee ($millions) | 6.0569% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,726 |
| Loan loss allowance to noncurrent loans | 89.9257% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 5,056 |
| Noncurrent loans to loans | 1.2888% | 4,512 |
| Net loans and leases to total assets | 69.7008% | 2,282 |
| Net loans and leases to deposits | 83.8679% | 2,130 |
| Net loans and leases to core deposits | 106.2338% | 919 |
| Total domestic deposits to total assets | 83.1078% | 4,712 |
| Equity capital to assets | 10.1350% | 3,971 |
| Core capital (leverage) ratio | 9.6307% | 3,766 |
| Tier 1 risk-based capital ratio | 11.8858% | 5,873 |
| Total risk-based capital ratio | 12.9658% | 6,004 |
| Memoranda: | ||
| Average total assets | $120,945,330 | 4,425 |
| Average earning assets | $115,485,670 | 4,291 |
| Average equity | $13,339,330 | 4,271 |
| Average total loans | $88,288,330 | 3,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 4,155 |
| Cost of funding earning assets | 1.1737% | 2,993 |
| Net interest margin | 3.6051% | 4,547 |
| Noninterest income to average assets | 0.1429% | 6,697 |
| Noninterest expense to average assets | 3.1465% | 3,084 |
| Loan and lease loss provision to assets | 0.0871% | 4,919 |
| Net operating income to assets | 0.2046% | 5,772 |
| Return on assets (ROA) | 0.2091% | 5,820 |
| Pretax return on assets | 0.3519% | 5,499 |
| Return on Equity (ROE) | 1.8104% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.8104% | 5,031 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9260% | 1,525 |
| Assets per employee ($millions) | 5.6293% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,697 |
| Loan loss allowance to noncurrent loans | 146.2707% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 5,748 |
| Noncurrent loans to loans | 0.8108% | 5,411 |
| Net loans and leases to total assets | 74.6445% | 1,241 |
| Net loans and leases to deposits | 92.6541% | 963 |
| Net loans and leases to core deposits | 112.8329% | 635 |
| Total domestic deposits to total assets | 80.5625% | 5,800 |
| Equity capital to assets | 11.2642% | 2,442 |
| Core capital (leverage) ratio | 10.6635% | 2,462 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,473 |
| Total risk-based capital ratio | 13.3600% | 5,588 |
| Memoranda: | ||
| Average total assets | $114,792,500 | 4,627 |
| Average earning assets | $109,401,500 | 4,491 |
| Average equity | $13,256,500 | 4,278 |
| Average total loans | $85,449,500 | 4,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 5,933 |
| Cost of funding earning assets | 1.3246% | 3,722 |
| Net interest margin | 3.3319% | 5,863 |
| Noninterest income to average assets | 0.2149% | 6,274 |
| Noninterest expense to average assets | 3.1714% | 3,187 |
| Loan and lease loss provision to assets | 0.0275% | 6,851 |
| Net operating income to assets | 1.6349% | 587 |
| Return on assets (ROA) | 1.8233% | 426 |
| Pretax return on assets | 0.3929% | 4,970 |
| Return on Equity (ROE) | 18.5182% | 340 |
| Retained earnings to average equity (ytd only) | 17.5567% | 78 |
| Net charge-offs to loans | 0.1944% | 5,131 |
| Credit loss provision to net charge-offs | 19.5946% | 6,556 |
| Earnings coverage of net charge-offs (x) | 1.6554% | 4,494 |
| Efficiency ratio | 93.1850% | 1,107 |
| Assets per employee ($millions) | 5.5685% | 1,520 |
| Cash dividends to net income (ytd only)* | 5.1921% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,168 |
| Loan loss allowance to noncurrent loans | 49.6880% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 3,522 |
| Noncurrent loans to loans | 2.5527% | 2,975 |
| Net loans and leases to total assets | 72.3391% | 2,020 |
| Net loans and leases to deposits | 91.5469% | 1,319 |
| Net loans and leases to core deposits | 110.0180% | 915 |
| Total domestic deposits to total assets | 79.0186% | 6,072 |
| Equity capital to assets | 11.8497% | 2,006 |
| Core capital (leverage) ratio | 10.4850% | 2,573 |
| Tier 1 risk-based capital ratio | 12.7832% | 4,786 |
| Total risk-based capital ratio | 13.9385% | 4,848 |
| Memoranda: | ||
| Average total assets | $105,633,200 | 4,831 |
| Average earning assets | $101,083,800 | 4,699 |
| Average equity | $10,400,600 | 5,009 |
| Average total loans | $76,137,600 | 4,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 6,236 |
| Cost of funding earning assets | 1.3526% | 3,882 |
| Net interest margin | 3.2839% | 6,070 |
| Noninterest income to average assets | 0.1727% | 6,645 |
| Noninterest expense to average assets | 3.0646% | 3,516 |
| Loan and lease loss provision to assets | 0.0115% | 6,911 |
| Net operating income to assets | 2.2303% | 222 |
| Return on assets (ROA) | 2.3813% | 173 |
| Pretax return on assets | 0.3915% | 5,246 |
| Return on Equity (ROE) | 25.5761% | 109 |
| Retained earnings to average equity (ytd only) | 24.2018% | 36 |
| Net charge-offs to loans | 0.2675% | 4,345 |
| Credit loss provision to net charge-offs | 6.0000% | 6,350 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,763 |
| Efficiency ratio | 92.3997% | 1,092 |
| Assets per employee ($millions) | 5.7011% | 1,463 |
| Cash dividends to net income (ytd only)* | 5.3735% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,844 |
| Loan loss allowance to noncurrent loans | 136.1559% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 5,824 |
| Noncurrent loans to loans | 0.9707% | 5,294 |
| Net loans and leases to total assets | 66.3328% | 3,612 |
| Net loans and leases to deposits | 81.8966% | 3,130 |
| Net loans and leases to core deposits | 100.0609% | 1,843 |
| Total domestic deposits to total assets | 80.9958% | 5,364 |
| Equity capital to assets | 9.6569% | 4,606 |
| Core capital (leverage) ratio | 9.8034% | 3,482 |
| Tier 1 risk-based capital ratio | 13.4266% | 4,246 |
| Total risk-based capital ratio | 14.6770% | 4,206 |
| Memoranda: | ||
| Average total assets | $104,199,000 | 4,928 |
| Average earning assets | $99,756,750 | 4,788 |
| Average equity | $9,701,500 | 5,285 |
| Average total loans | $74,772,250 | 4,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 6,179 |
| Cost of funding earning assets | 1.3548% | 4,165 |
| Net interest margin | 3.3332% | 5,889 |
| Noninterest income to average assets | 0.1566% | 6,769 |
| Noninterest expense to average assets | 3.1390% | 3,151 |
| Loan and lease loss provision to assets | 0.0178% | 6,745 |
| Net operating income to assets | 0.1982% | 5,567 |
| Return on assets (ROA) | 0.3547% | 5,112 |
| Pretax return on assets | 0.3547% | 5,359 |
| Return on Equity (ROE) | 3.8640% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.8640% | 3,630 |
| Net charge-offs to loans | 0.1106% | 5,059 |
| Credit loss provision to net charge-offs | 21.9512% | 5,831 |
| Earnings coverage of net charge-offs (x) | 2.6585% | 3,667 |
| Efficiency ratio | 93.5617% | 1,091 |
| Assets per employee ($millions) | 5.3017% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 4,033 |
| Loan loss allowance to noncurrent loans | 149.6000% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 5,721 |
| Noncurrent loans to loans | 0.9866% | 5,332 |
| Net loans and leases to total assets | 70.6356% | 2,764 |
| Net loans and leases to deposits | 85.3051% | 2,638 |
| Net loans and leases to core deposits | 108.3924% | 1,275 |
| Total domestic deposits to total assets | 82.8035% | 4,649 |
| Equity capital to assets | 8.8397% | 5,690 |
| Core capital (leverage) ratio | 9.2246% | 4,266 |
| Tier 1 risk-based capital ratio | 11.4723% | 5,797 |
| Total risk-based capital ratio | 12.7232% | 5,769 |
| Memoranda: | ||
| Average total assets | $100,924,670 | 5,050 |
| Average earning assets | $96,843,670 | 4,908 |
| Average equity | $9,265,000 | 5,427 |
| Average total loans | $74,147,330 | 4,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 6,384 |
| Cost of funding earning assets | 1.4169% | 4,073 |
| Net interest margin | 3.2409% | 6,162 |
| Noninterest income to average assets | 0.1464% | 6,927 |
| Noninterest expense to average assets | 3.1107% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1423% | 5,883 |
| Return on assets (ROA) | 0.2318% | 5,689 |
| Pretax return on assets | 0.2318% | 5,792 |
| Return on Equity (ROE) | 2.4753% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.4753% | 4,650 |
| Net charge-offs to loans | 0.1202% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.5909% | 3,771 |
| Efficiency ratio | 95.6250% | 1,047 |
| Assets per employee ($millions) | 4.9531% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,642 |
| Loan loss allowance to noncurrent loans | 68.4815% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6687% | 3,968 |
| Noncurrent loans to loans | 2.2686% | 3,434 |
| Net loans and leases to total assets | 72.4119% | 2,353 |
| Net loans and leases to deposits | 90.2880% | 1,862 |
| Net loans and leases to core deposits | 112.7596% | 1,116 |
| Total domestic deposits to total assets | 80.2011% | 5,718 |
| Equity capital to assets | 9.3306% | 4,786 |
| Core capital (leverage) ratio | 9.4609% | 3,830 |
| Tier 1 risk-based capital ratio | 11.7017% | 5,491 |
| Total risk-based capital ratio | 12.9523% | 5,445 |
| Memoranda: | ||
| Average total assets | $98,370,500 | 5,198 |
| Average earning assets | $94,293,500 | 5,038 |
| Average equity | $9,211,000 | 5,478 |
| Average total loans | $73,211,500 | 4,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 6,376 |
| Cost of funding earning assets | 1.9388% | 3,256 |
| Net interest margin | 3.0789% | 6,442 |
| Noninterest income to average assets | 0.2542% | 6,286 |
| Noninterest expense to average assets | 3.4632% | 2,478 |
| Loan and lease loss provision to assets | 0.8287% | 2,653 |
| Net operating income to assets | -1.0852% | 6,634 |
| Return on assets (ROA) | -0.8971% | 6,509 |
| Pretax return on assets | -0.8971% | 6,341 |
| Return on Equity (ROE) | -7.9959% | 6,466 |
| Retained earnings to average equity (ytd only) | -7.9959% | 6,347 |
| Net charge-offs to loans | 0.2694% | 4,935 |
| Credit loss provision to net charge-offs | 408.0000% | 776 |
| Earnings coverage of net charge-offs (x) | -1.2629% | 6,924 |
| Efficiency ratio | 107.9986% | 841 |
| Assets per employee ($millions) | 4.8840% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,402 |
| Loan loss allowance to noncurrent loans | 92.0990% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 4,523 |
| Noncurrent loans to loans | 1.7034% | 4,085 |
| Net loans and leases to total assets | 74.1247% | 2,245 |
| Net loans and leases to deposits | 91.9849% | 1,900 |
| Net loans and leases to core deposits | 138.6325% | 855 |
| Total domestic deposits to total assets | 80.5835% | 5,478 |
| Equity capital to assets | 9.3970% | 4,562 |
| Core capital (leverage) ratio | 9.8426% | 3,281 |
| Tier 1 risk-based capital ratio | 11.6436% | 5,253 |
| Total risk-based capital ratio | 12.8864% | 5,216 |
| Memoranda: | ||
| Average total assets | $86,163,200 | 5,518 |
| Average earning assets | $82,627,200 | 5,376 |
| Average equity | $9,667,400 | 5,394 |
| Average total loans | $64,970,400 | 5,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 6,400 |
| Cost of funding earning assets | 2.0841% | 2,965 |
| Net interest margin | 2.9811% | 6,654 |
| Noninterest income to average assets | 0.2834% | 6,207 |
| Noninterest expense to average assets | 3.6757% | 1,876 |
| Loan and lease loss provision to assets | 0.3522% | 4,209 |
| Net operating income to assets | -0.8821% | 6,748 |
| Return on assets (ROA) | -0.6708% | 6,586 |
| Pretax return on assets | -0.6708% | 6,462 |
| Return on Equity (ROE) | -5.7066% | 6,525 |
| Retained earnings to average equity (ytd only) | -5.7066% | 6,352 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8448% | 640 |
| Assets per employee ($millions) | 4.9799% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,949 |
| Loan loss allowance to noncurrent loans | 134.8950% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,757 |
| Noncurrent loans to loans | 0.9123% | 5,466 |
| Net loans and leases to total assets | 74.7654% | 2,300 |
| Net loans and leases to deposits | 95.2963% | 1,670 |
| Net loans and leases to core deposits | 128.0455% | 1,576 |
| Total domestic deposits to total assets | 78.4558% | 5,965 |
| Equity capital to assets | 10.6929% | 3,296 |
| Core capital (leverage) ratio | 10.6364% | 2,680 |
| Tier 1 risk-based capital ratio | 13.0641% | 4,144 |
| Total risk-based capital ratio | 14.2274% | 4,135 |
| Memoranda: | ||
| Average total assets | $83,284,000 | 5,643 |
| Average earning assets | $79,967,250 | 5,496 |
| Average equity | $9,789,500 | 5,404 |
| Average total loans | $62,823,250 | 5,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 6,652 |
| Cost of funding earning assets | 2.2447% | 2,605 |
| Net interest margin | 2.7936% | 7,027 |
| Noninterest income to average assets | 0.3055% | 6,074 |
| Noninterest expense to average assets | 3.9302% | 1,430 |
| Loan and lease loss provision to assets | 0.5249% | 2,923 |
| Net operating income to assets | -1.4661% | 7,227 |
| Return on assets (ROA) | -1.4661% | 7,233 |
| Pretax return on assets | -1.4661% | 7,073 |
| Return on Equity (ROE) | -12.0718% | 7,178 |
| Retained earnings to average equity (ytd only) | -12.0718% | 7,061 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4922% | 514 |
| Assets per employee ($millions) | 4.8076% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 4,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.5728% | 2,043 |
| Net loans and leases to deposits | 95.0007% | 1,954 |
| Net loans and leases to core deposits | 128.9992% | 1,654 |
| Total domestic deposits to total assets | 80.6023% | 5,233 |
| Equity capital to assets | 11.0162% | 2,909 |
| Core capital (leverage) ratio | 11.4609% | 2,106 |
| Tier 1 risk-based capital ratio | 12.8459% | 4,247 |
| Total risk-based capital ratio | 14.0015% | 4,235 |
| Memoranda: | ||
| Average total assets | $81,165,670 | 5,756 |
| Average earning assets | $77,962,670 | 5,597 |
| Average equity | $9,857,670 | 5,402 |
| Average total loans | $61,146,330 | 5,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 6,368 |
| Cost of funding earning assets | 2.3224% | 2,604 |
| Net interest margin | 2.8591% | 6,854 |
| Noninterest income to average assets | 0.1784% | 7,027 |
| Noninterest expense to average assets | 3.9704% | 1,217 |
| Loan and lease loss provision to assets | 0.1529% | 4,975 |
| Net operating income to assets | -1.2028% | 7,360 |
| Return on assets (ROA) | -1.2028% | 7,381 |
| Pretax return on assets | -1.2028% | 7,257 |
| Return on Equity (ROE) | -9.4212% | 7,323 |
| Retained earnings to average equity (ytd only) | -9.4212% | 7,047 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.9511% | 449 |
| Assets per employee ($millions) | 4.4126% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.3765% | 2,919 |
| Net loans and leases to deposits | 93.1943% | 2,401 |
| Net loans and leases to core deposits | 123.0912% | 2,158 |
| Total domestic deposits to total assets | 78.7349% | 5,814 |
| Equity capital to assets | 12.4644% | 1,996 |
| Core capital (leverage) ratio | 12.3582% | 1,743 |
| Tier 1 risk-based capital ratio | 14.7444% | 3,184 |
| Total risk-based capital ratio | 15.7483% | 3,235 |
| Memoranda: | ||
| Average total assets | $78,480,500 | 5,872 |
| Average earning assets | $75,268,500 | 5,722 |
| Average equity | $10,020,000 | 5,379 |
| Average total loans | $58,174,000 | 5,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 7,468 |
| Cost of funding earning assets | 2.4459% | 4,499 |
| Net interest margin | 2.9470% | 7,041 |
| Noninterest income to average assets | 0.2021% | 7,006 |
| Noninterest expense to average assets | 4.6718% | 783 |
| Loan and lease loss provision to assets | 0.5479% | 2,627 |
| Net operating income to assets | -2.2135% | 7,648 |
| Return on assets (ROA) | -2.2135% | 7,608 |
| Pretax return on assets | -2.2135% | 7,510 |
| Return on Equity (ROE) | -13.3060% | 7,511 |
| Retained earnings to average equity (ytd only) | -13.3060% | 7,356 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.4097% | 327 |
| Assets per employee ($millions) | 4.3075% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.2676% | 3,292 |
| Net loans and leases to deposits | 92.5694% | 3,039 |
| Net loans and leases to core deposits | 115.3204% | 3,202 |
| Total domestic deposits to total assets | 79.1488% | 5,319 |
| Equity capital to assets | 13.0780% | 1,751 |
| Core capital (leverage) ratio | 13.0126% | 1,536 |
| Tier 1 risk-based capital ratio | 15.4199% | 2,867 |
| Total risk-based capital ratio | 16.3999% | 2,902 |
| Memoranda: | ||
| Average total assets | $63,337,400 | 6,258 |
| Average earning assets | $60,264,200 | 6,159 |
| Average equity | $10,536,600 | 5,251 |
| Average total loans | $44,025,400 | 5,976 |