Home > Bank of Keystone > Performance and Condition Ratios
Bank of Keystone, 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 | 4.2232% | 2,440 |
| Cost of funding earning assets | 0.5397% | 1,793 |
| Net interest margin | 3.6835% | 2,780 |
| Noninterest income to average assets | 0.2928% | 4,671 |
| Noninterest expense to average assets | 2.2753% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2505% | 1,452 |
| Return on assets (ROA) | 1.2505% | 1,563 |
| Pretax return on assets | 1.2790% | 2,505 |
| Return on Equity (ROE) | 9.7823% | 2,156 |
| Retained earnings to average equity (ytd only) | -22.7618% | 5,926 |
| Net charge-offs to loans | -0.0231% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2426% | 4,183 |
| Assets per employee ($millions) | 5.8410% | 1,548 |
| Cash dividends to net income (ytd only)* | 332.6825% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,944 |
| Noncurrent loans to loans | 0.1969% | 4,562 |
| Net loans and leases to total assets | 61.6597% | 3,671 |
| Net loans and leases to deposits | 73.0456% | 3,696 |
| Net loans and leases to core deposits | 74.2072% | 3,983 |
| Total domestic deposits to total assets | 84.4127% | 3,059 |
| Equity capital to assets | 14.6830% | 819 |
| Core capital (leverage) ratio | 10.6019% | 2,872 |
| Tier 1 risk-based capital ratio | 14.3438% | 3,371 |
| Total risk-based capital ratio | 14.3438% | 4,015 |
| Memoranda: | ||
| Average total assets | $65,571,500 | 5,061 |
| Average earning assets | $58,058,500 | 5,116 |
| Average equity | $8,382,250 | 4,915 |
| Average total loans | $40,416,250 | 4,907 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 2,497 |
| Cost of funding earning assets | 0.5540% | 1,669 |
| Net interest margin | 3.6520% | 2,885 |
| Noninterest income to average assets | 0.2878% | 4,728 |
| Noninterest expense to average assets | 2.1784% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3028% | 1,264 |
| Return on assets (ROA) | 1.3028% | 1,368 |
| Pretax return on assets | 1.3452% | 2,223 |
| Return on Equity (ROE) | 10.7076% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.5870% | 692 |
| Net charge-offs to loans | -0.0295% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8229% | 4,372 |
| Assets per employee ($millions) | 5.9113% | 1,463 |
| Cash dividends to net income (ytd only)* | 10.4651% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 1,266 |
| Loan loss allowance to noncurrent loans | 125.2336% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 2,536 |
| Noncurrent loans to loans | 1.3613% | 1,647 |
| Net loans and leases to total assets | 59.4119% | 3,962 |
| Net loans and leases to deposits | 68.4880% | 4,135 |
| Net loans and leases to core deposits | 68.7928% | 4,415 |
| Total domestic deposits to total assets | 86.7480% | 2,039 |
| Equity capital to assets | 12.6430% | 1,690 |
| Core capital (leverage) ratio | 12.2680% | 1,477 |
| Tier 1 risk-based capital ratio | 18.0842% | 1,908 |
| Total risk-based capital ratio | 19.3374% | 1,876 |
| Memoranda: | ||
| Average total assets | $66,011,670 | 5,101 |
| Average earning assets | $58,489,000 | 5,148 |
| Average equity | $8,031,670 | 5,015 |
| Average total loans | $40,682,670 | 4,949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,478 |
| Cost of funding earning assets | 0.5589% | 1,633 |
| Net interest margin | 3.6396% | 2,926 |
| Noninterest income to average assets | 0.2827% | 4,692 |
| Noninterest expense to average assets | 2.1352% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3593% | 1,116 |
| Return on assets (ROA) | 1.3593% | 1,184 |
| Pretax return on assets | 1.3593% | 2,050 |
| Return on Equity (ROE) | 11.3897% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.3897% | 593 |
| Net charge-offs to loans | 0.1257% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.3846% | 1,578 |
| Efficiency ratio | 61.1015% | 4,589 |
| Assets per employee ($millions) | 5.9178% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 1,390 |
| Loan loss allowance to noncurrent loans | 396.9512% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,549 |
| Noncurrent loans to loans | 0.4255% | 3,920 |
| Net loans and leases to total assets | 58.2048% | 4,021 |
| Net loans and leases to deposits | 66.9027% | 4,164 |
| Net loans and leases to core deposits | 67.1993% | 4,458 |
| Total domestic deposits to total assets | 86.9992% | 2,212 |
| Equity capital to assets | 12.3756% | 1,767 |
| Core capital (leverage) ratio | 11.8754% | 1,690 |
| Tier 1 risk-based capital ratio | 17.7797% | 2,045 |
| Total risk-based capital ratio | 19.0311% | 2,009 |
| Memoranda: | ||
| Average total assets | $66,505,500 | 5,136 |
| Average earning assets | $58,688,000 | 5,194 |
| Average equity | $7,937,000 | 5,061 |
| Average total loans | $41,373,000 | 4,964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,459 |
| Cost of funding earning assets | 0.5498% | 1,759 |
| Net interest margin | 3.9999% | 1,715 |
| Noninterest income to average assets | 0.3121% | 4,662 |
| Noninterest expense to average assets | 2.4792% | 4,292 |
| Loan and lease loss provision to assets | 0.0372% | 3,606 |
| Net operating income to assets | 1.3645% | 1,116 |
| Return on assets (ROA) | 1.3645% | 1,161 |
| Pretax return on assets | 1.3645% | 2,054 |
| Return on Equity (ROE) | 11.9398% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.6172% | 2,694 |
| Net charge-offs to loans | 0.0847% | 2,622 |
| Credit loss provision to net charge-offs | 65.7895% | 3,187 |
| Earnings coverage of net charge-offs (x) | 24.8158% | 1,650 |
| Efficiency ratio | 63.8836% | 4,295 |
| Assets per employee ($millions) | 5.2242% | 2,092 |
| Cash dividends to net income (ytd only)* | 61.3290% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,992 |
| Loan loss allowance to noncurrent loans | 873.6842% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,142 |
| Noncurrent loans to loans | 0.1719% | 4,801 |
| Net loans and leases to total assets | 64.1125% | 3,260 |
| Net loans and leases to deposits | 72.9518% | 3,619 |
| Net loans and leases to core deposits | 73.2586% | 4,015 |
| Total domestic deposits to total assets | 87.8834% | 1,691 |
| Equity capital to assets | 11.5114% | 2,348 |
| Core capital (leverage) ratio | 11.6835% | 1,828 |
| Tier 1 risk-based capital ratio | 15.3689% | 3,006 |
| Total risk-based capital ratio | 16.5248% | 2,984 |
| Memoranda: | ||
| Average total assets | $67,279,800 | 5,150 |
| Average earning assets | $60,027,000 | 5,189 |
| Average equity | $7,688,600 | 5,116 |
| Average total loans | $44,889,600 | 4,834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,509 |
| Cost of funding earning assets | 0.5467% | 1,829 |
| Net interest margin | 3.9838% | 1,751 |
| Noninterest income to average assets | 0.2642% | 5,047 |
| Noninterest expense to average assets | 2.1453% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6547% | 680 |
| Return on assets (ROA) | 1.6547% | 706 |
| Pretax return on assets | 1.6944% | 1,117 |
| Return on Equity (ROE) | 14.5063% | 802 |
| Retained earnings to average equity (ytd only) | 7.0181% | 1,676 |
| Net charge-offs to loans | -0.0326% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8717% | 5,369 |
| Assets per employee ($millions) | 5.1857% | 2,077 |
| Cash dividends to net income (ytd only)* | 51.6207% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 2,276 |
| Loan loss allowance to noncurrent loans | 533.3333% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 4,927 |
| Noncurrent loans to loans | 0.2758% | 4,591 |
| Net loans and leases to total assets | 74.0487% | 1,724 |
| Net loans and leases to deposits | 85.6216% | 2,191 |
| Net loans and leases to core deposits | 86.0261% | 2,850 |
| Total domestic deposits to total assets | 86.4836% | 2,290 |
| Equity capital to assets | 12.7033% | 1,615 |
| Core capital (leverage) ratio | 11.6554% | 1,918 |
| Tier 1 risk-based capital ratio | 56.8735% | 104 |
| Total risk-based capital ratio | 58.1714% | 101 |
| Memoranda: | ||
| Average total assets | $67,121,000 | 5,218 |
| Average earning assets | $60,242,750 | 5,243 |
| Average equity | $7,656,250 | 5,188 |
| Average total loans | $45,060,500 | 4,878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,072 |
| Cost of funding earning assets | 0.5353% | 1,939 |
| Net interest margin | 3.7990% | 2,313 |
| Noninterest income to average assets | 0.2502% | 5,155 |
| Noninterest expense to average assets | 2.1410% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4778% | 936 |
| Return on assets (ROA) | 1.4778% | 986 |
| Pretax return on assets | 1.5156% | 1,602 |
| Return on Equity (ROE) | 13.4155% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.4930% | 2,538 |
| Net charge-offs to loans | -0.0494% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5521% | 5,162 |
| Assets per employee ($millions) | 5.5240% | 1,711 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 2,146 |
| Loan loss allowance to noncurrent loans | 179.6345% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 3,681 |
| Noncurrent loans to loans | 0.8535% | 2,995 |
| Net loans and leases to total assets | 66.6606% | 2,842 |
| Net loans and leases to deposits | 76.0093% | 3,271 |
| Net loans and leases to core deposits | 76.8019% | 3,689 |
| Total domestic deposits to total assets | 87.7006% | 1,793 |
| Equity capital to assets | 11.5783% | 2,346 |
| Core capital (leverage) ratio | 11.4067% | 2,067 |
| Tier 1 risk-based capital ratio | 52.0727% | 130 |
| Total risk-based capital ratio | 52.0727% | 138 |
| Memoranda: | ||
| Average total assets | $68,752,000 | 5,238 |
| Average earning assets | $61,647,670 | 5,260 |
| Average equity | $7,573,330 | 5,246 |
| Average total loans | $44,491,670 | 4,932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,137 |
| Cost of funding earning assets | 0.5248% | 2,053 |
| Net interest margin | 3.7630% | 2,380 |
| Noninterest income to average assets | 0.2458% | 5,203 |
| Noninterest expense to average assets | 2.1205% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4518% | 935 |
| Return on assets (ROA) | 1.4518% | 998 |
| Pretax return on assets | 1.4861% | 1,610 |
| Return on Equity (ROE) | 13.5061% | 982 |
| Retained earnings to average equity (ytd only) | 8.1356% | 1,518 |
| Net charge-offs to loans | -0.0813% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7956% | 5,246 |
| Assets per employee ($millions) | 5.6463% | 1,673 |
| Cash dividends to net income (ytd only)* | 39.7638% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,016 |
| Loan loss allowance to noncurrent loans | 307.6233% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,669 |
| Noncurrent loans to loans | 0.5235% | 4,002 |
| Net loans and leases to total assets | 61.8552% | 3,390 |
| Net loans and leases to deposits | 70.2469% | 3,726 |
| Net loans and leases to core deposits | 70.9605% | 4,067 |
| Total domestic deposits to total assets | 88.0540% | 1,790 |
| Equity capital to assets | 11.2730% | 2,680 |
| Core capital (leverage) ratio | 10.7355% | 2,708 |
| Tier 1 risk-based capital ratio | 48.2532% | 160 |
| Total risk-based capital ratio | 49.5420% | 160 |
| Memoranda: | ||
| Average total assets | $69,984,000 | 5,258 |
| Average earning assets | $62,503,500 | 5,293 |
| Average equity | $7,522,500 | 5,295 |
| Average total loans | $44,299,500 | 4,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 1,412 |
| Cost of funding earning assets | 0.5600% | 2,139 |
| Net interest margin | 4.0942% | 1,594 |
| Noninterest income to average assets | 0.3135% | 4,881 |
| Noninterest expense to average assets | 2.5340% | 4,441 |
| Loan and lease loss provision to assets | 0.0833% | 2,814 |
| Net operating income to assets | 1.3223% | 1,260 |
| Return on assets (ROA) | 1.3223% | 1,300 |
| Pretax return on assets | 1.3616% | 2,033 |
| Return on Equity (ROE) | 12.0149% | 1,403 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,277 |
| Net charge-offs to loans | -0.0087% | 5,535 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6848% | 4,632 |
| Assets per employee ($millions) | 6.0178% | 1,364 |
| Cash dividends to net income (ytd only)* | 54.4101% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 2,599 |
| Loan loss allowance to noncurrent loans | 307.7273% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 4,817 |
| Noncurrent loans to loans | 0.4782% | 4,224 |
| Net loans and leases to total assets | 62.7671% | 3,397 |
| Net loans and leases to deposits | 70.4060% | 3,851 |
| Net loans and leases to core deposits | 70.7235% | 4,249 |
| Total domestic deposits to total assets | 89.1502% | 1,147 |
| Equity capital to assets | 10.2572% | 3,781 |
| Core capital (leverage) ratio | 11.2948% | 2,139 |
| Tier 1 risk-based capital ratio | 14.0037% | 4,094 |
| Total risk-based capital ratio | 15.2534% | 4,019 |
| Memoranda: | ||
| Average total assets | $66,023,200 | 5,391 |
| Average earning assets | $59,108,000 | 5,422 |
| Average equity | $7,266,000 | 5,359 |
| Average total loans | $45,747,200 | 4,966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,289 |
| Cost of funding earning assets | 0.5721% | 2,087 |
| Net interest margin | 4.1359% | 1,472 |
| Noninterest income to average assets | 0.3267% | 4,820 |
| Noninterest expense to average assets | 2.3181% | 5,060 |
| Loan and lease loss provision to assets | 0.0620% | 3,115 |
| Net operating income to assets | 1.6150% | 723 |
| Return on assets (ROA) | 1.6150% | 752 |
| Pretax return on assets | 1.6543% | 1,172 |
| Return on Equity (ROE) | 14.4011% | 913 |
| Retained earnings to average equity (ytd only) | 9.4962% | 839 |
| Net charge-offs to loans | -0.0088% | 5,402 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4577% | 5,516 |
| Assets per employee ($millions) | 5.3159% | 1,891 |
| Cash dividends to net income (ytd only)* | 34.0590% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 3,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.7851% | 1,126 |
| Net loans and leases to deposits | 87.8711% | 1,692 |
| Net loans and leases to core deposits | 88.3259% | 2,388 |
| Total domestic deposits to total assets | 87.3838% | 2,102 |
| Equity capital to assets | 11.7901% | 2,224 |
| Core capital (leverage) ratio | 11.6719% | 1,924 |
| Tier 1 risk-based capital ratio | 14.0397% | 4,183 |
| Total risk-based capital ratio | 15.2491% | 4,156 |
| Memoranda: | ||
| Average total assets | $64,475,750 | 5,499 |
| Average earning assets | $57,801,250 | 5,517 |
| Average equity | $7,230,750 | 5,410 |
| Average total loans | $45,683,250 | 5,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,763 |
| Cost of funding earning assets | 0.5734% | 2,134 |
| Net interest margin | 3.9484% | 1,978 |
| Noninterest income to average assets | 0.3184% | 4,869 |
| Noninterest expense to average assets | 2.2842% | 5,190 |
| Loan and lease loss provision to assets | 0.0618% | 3,032 |
| Net operating income to assets | 1.4868% | 894 |
| Return on assets (ROA) | 1.4868% | 925 |
| Pretax return on assets | 1.5270% | 1,459 |
| Return on Equity (ROE) | 13.4847% | 1,057 |
| Retained earnings to average equity (ytd only) | 9.0552% | 970 |
| Net charge-offs to loans | -0.0090% | 5,302 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9785% | 5,432 |
| Assets per employee ($millions) | 5.3823% | 1,800 |
| Cash dividends to net income (ytd only)* | 32.8482% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,421 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,206 |
| Noncurrent loans to loans | 0.0173% | 6,025 |
| Net loans and leases to total assets | 70.4755% | 2,005 |
| Net loans and leases to deposits | 80.2207% | 2,489 |
| Net loans and leases to core deposits | 80.6242% | 3,140 |
| Total domestic deposits to total assets | 87.8520% | 1,998 |
| Equity capital to assets | 11.3583% | 2,546 |
| Core capital (leverage) ratio | 11.2894% | 2,164 |
| Tier 1 risk-based capital ratio | 14.4505% | 3,961 |
| Total risk-based capital ratio | 15.7002% | 3,898 |
| Memoranda: | ||
| Average total assets | $64,704,000 | 5,538 |
| Average earning assets | $58,251,000 | 5,553 |
| Average equity | $7,134,000 | 5,456 |
| Average total loans | $44,366,670 | 5,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 2,073 |
| Cost of funding earning assets | 0.5684% | 2,256 |
| Net interest margin | 3.8488% | 2,274 |
| Noninterest income to average assets | 0.3026% | 4,933 |
| Noninterest expense to average assets | 2.3656% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3712% | 1,058 |
| Return on assets (ROA) | 1.3712% | 1,100 |
| Pretax return on assets | 1.4082% | 1,717 |
| Return on Equity (ROE) | 12.6262% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.7825% | 1,020 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6841% | 5,037 |
| Assets per employee ($millions) | 5.3586% | 1,851 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 3,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.0639% | 2,880 |
| Net loans and leases to deposits | 72.6620% | 3,253 |
| Net loans and leases to core deposits | 73.0239% | 3,761 |
| Total domestic deposits to total assets | 88.1670% | 2,130 |
| Equity capital to assets | 11.0835% | 2,643 |
| Core capital (leverage) ratio | 11.0922% | 2,307 |
| Tier 1 risk-based capital ratio | 15.2247% | 3,594 |
| Total risk-based capital ratio | 16.4760% | 3,550 |
| Memoranda: | ||
| Average total assets | $64,762,500 | 5,600 |
| Average earning assets | $58,408,500 | 5,601 |
| Average equity | $7,033,000 | 5,509 |
| Average total loans | $43,471,000 | 5,190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,804 |
| Cost of funding earning assets | 0.5920% | 2,740 |
| Net interest margin | 4.0271% | 1,877 |
| Noninterest income to average assets | 0.4187% | 4,306 |
| Noninterest expense to average assets | 2.3894% | 5,102 |
| Loan and lease loss provision to assets | 0.0799% | 3,509 |
| Net operating income to assets | 1.5935% | 699 |
| Return on assets (ROA) | 1.5935% | 720 |
| Pretax return on assets | 1.6350% | 1,091 |
| Return on Equity (ROE) | 14.8487% | 795 |
| Retained earnings to average equity (ytd only) | 9.4275% | 671 |
| Net charge-offs to loans | 0.2593% | 2,413 |
| Credit loss provision to net charge-offs | 45.4545% | 3,927 |
| Earnings coverage of net charge-offs (x) | 9.7545% | 2,465 |
| Efficiency ratio | 58.2165% | 5,710 |
| Assets per employee ($millions) | 5.4352% | 1,717 |
| Cash dividends to net income (ytd only)* | 36.5095% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,800 |
| Loan loss allowance to noncurrent loans | 3,252.6316% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,296 |
| Noncurrent loans to loans | 0.0421% | 6,114 |
| Net loans and leases to total assets | 68.2454% | 2,311 |
| Net loans and leases to deposits | 76.9780% | 2,856 |
| Net loans and leases to core deposits | 77.3512% | 3,445 |
| Total domestic deposits to total assets | 88.6557% | 1,824 |
| Equity capital to assets | 10.6390% | 2,988 |
| Core capital (leverage) ratio | 10.8625% | 2,515 |
| Tier 1 risk-based capital ratio | 13.9490% | 4,328 |
| Total risk-based capital ratio | 15.1730% | 4,284 |
| Memoranda: | ||
| Average total assets | $62,568,200 | 5,688 |
| Average earning assets | $57,262,600 | 5,674 |
| Average equity | $6,714,400 | 5,641 |
| Average total loans | $42,421,600 | 5,253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 1,939 |
| Cost of funding earning assets | 0.6006% | 2,804 |
| Net interest margin | 3.9881% | 1,986 |
| Noninterest income to average assets | 0.4437% | 4,199 |
| Noninterest expense to average assets | 2.3369% | 5,225 |
| Loan and lease loss provision to assets | 0.0538% | 3,958 |
| Net operating income to assets | 1.6757% | 645 |
| Return on assets (ROA) | 1.6757% | 682 |
| Pretax return on assets | 1.7144% | 1,068 |
| Return on Equity (ROE) | 15.5793% | 700 |
| Retained earnings to average equity (ytd only) | 10.8936% | 595 |
| Net charge-offs to loans | 0.3545% | 1,775 |
| Credit loss provision to net charge-offs | 22.5225% | 4,026 |
| Earnings coverage of net charge-offs (x) | 7.3962% | 2,805 |
| Efficiency ratio | 56.9255% | 5,810 |
| Assets per employee ($millions) | 4.9768% | 2,196 |
| Cash dividends to net income (ytd only)* | 30.0768% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,383 |
| Loan loss allowance to noncurrent loans | 2,192.5926% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 6,331 |
| Noncurrent loans to loans | 0.0594% | 6,164 |
| Net loans and leases to total assets | 75.1662% | 1,117 |
| Net loans and leases to deposits | 85.8531% | 1,632 |
| Net loans and leases to core deposits | 86.3103% | 2,378 |
| Total domestic deposits to total assets | 87.5521% | 2,382 |
| Equity capital to assets | 11.5152% | 2,295 |
| Core capital (leverage) ratio | 11.4951% | 2,049 |
| Tier 1 risk-based capital ratio | 13.9931% | 4,437 |
| Total risk-based capital ratio | 15.1842% | 4,432 |
| Memoranda: | ||
| Average total assets | $61,904,750 | 5,769 |
| Average earning assets | $56,834,000 | 5,744 |
| Average equity | $6,658,250 | 5,731 |
| Average total loans | $41,744,750 | 5,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,475 |
| Cost of funding earning assets | 0.6001% | 2,933 |
| Net interest margin | 3.8241% | 2,461 |
| Noninterest income to average assets | 0.4790% | 3,967 |
| Noninterest expense to average assets | 2.2895% | 5,398 |
| Loan and lease loss provision to assets | 0.0798% | 3,461 |
| Net operating income to assets | 1.5711% | 786 |
| Return on assets (ROA) | 1.5711% | 856 |
| Pretax return on assets | 1.6094% | 1,343 |
| Return on Equity (ROE) | 14.9423% | 821 |
| Retained earnings to average equity (ytd only) | 11.1156% | 629 |
| Net charge-offs to loans | 0.5284% | 1,251 |
| Credit loss provision to net charge-offs | 23.3645% | 3,683 |
| Earnings coverage of net charge-offs (x) | 4.9439% | 2,997 |
| Efficiency ratio | 57.5441% | 5,792 |
| Assets per employee ($millions) | 5.1473% | 1,937 |
| Cash dividends to net income (ytd only)* | 25.6098% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 3,812 |
| 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 | 65.6133% | 2,660 |
| Net loans and leases to deposits | 74.2706% | 3,109 |
| Net loans and leases to core deposits | 74.6482% | 3,707 |
| Total domestic deposits to total assets | 88.3435% | 2,016 |
| Equity capital to assets | 10.8163% | 2,927 |
| Core capital (leverage) ratio | 10.6477% | 2,721 |
| Tier 1 risk-based capital ratio | 14.6255% | 4,016 |
| Total risk-based capital ratio | 15.8752% | 3,978 |
| Memoranda: | ||
| Average total assets | $62,632,670 | 5,787 |
| Average earning assets | $57,321,000 | 5,767 |
| Average equity | $6,585,330 | 5,782 |
| Average total loans | $40,499,000 | 5,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 2,616 |
| Cost of funding earning assets | 0.6286% | 2,854 |
| Net interest margin | 3.7436% | 2,683 |
| Noninterest income to average assets | 0.3044% | 5,262 |
| Noninterest expense to average assets | 2.2707% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3954% | 1,036 |
| Return on assets (ROA) | 1.3954% | 1,122 |
| Pretax return on assets | 1.4334% | 1,763 |
| Return on Equity (ROE) | 13.4608% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.4608% | 502 |
| Net charge-offs to loans | 1.0750% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.0926% | 3,133 |
| Efficiency ratio | 61.3014% | 5,405 |
| Assets per employee ($millions) | 5.3077% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 3,926 |
| Loan loss allowance to noncurrent loans | 4,758.3333% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 6,560 |
| Noncurrent loans to loans | 0.0309% | 6,403 |
| Net loans and leases to total assets | 60.0358% | 3,424 |
| Net loans and leases to deposits | 67.5321% | 3,831 |
| Net loans and leases to core deposits | 67.8604% | 4,317 |
| Total domestic deposits to total assets | 88.8997% | 1,738 |
| Equity capital to assets | 10.4377% | 3,618 |
| Core capital (leverage) ratio | 10.4645% | 2,829 |
| Tier 1 risk-based capital ratio | 14.8372% | 3,945 |
| Total risk-based capital ratio | 16.0882% | 3,909 |
| Memoranda: | ||
| Average total assets | $63,065,000 | 5,834 |
| Average earning assets | $57,270,500 | 5,817 |
| Average equity | $6,537,500 | 5,851 |
| Average total loans | $40,186,500 | 5,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3927% | 773 |
| Cost of funding earning assets | 0.7633% | 2,981 |
| Net interest margin | 4.6294% | 742 |
| Noninterest income to average assets | 0.4411% | 4,312 |
| Noninterest expense to average assets | 3.2116% | 2,570 |
| Loan and lease loss provision to assets | 0.2206% | 2,929 |
| Net operating income to assets | 1.1117% | 1,905 |
| Return on assets (ROA) | 1.1117% | 2,076 |
| Pretax return on assets | 1.1505% | 2,988 |
| Return on Equity (ROE) | 10.1456% | 2,109 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,676 |
| Net charge-offs to loans | 0.0955% | 4,713 |
| Credit loss provision to net charge-offs | 304.8780% | 793 |
| Earnings coverage of net charge-offs (x) | 18.9512% | 1,413 |
| Efficiency ratio | 70.0809% | 3,802 |
| Assets per employee ($millions) | 4.8029% | 2,491 |
| Cash dividends to net income (ytd only)* | 33.1746% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,180 |
| Loan loss allowance to noncurrent loans | 408.4337% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 5,882 |
| Noncurrent loans to loans | 0.3994% | 5,495 |
| Net loans and leases to total assets | 65.4826% | 2,612 |
| Net loans and leases to deposits | 73.5227% | 3,168 |
| Net loans and leases to core deposits | 73.5227% | 3,846 |
| Total domestic deposits to total assets | 89.0644% | 1,520 |
| Equity capital to assets | 10.2934% | 3,767 |
| Core capital (leverage) ratio | 11.4946% | 1,880 |
| Tier 1 risk-based capital ratio | 13.5119% | 4,745 |
| Total risk-based capital ratio | 14.7638% | 4,693 |
| Memoranda: | ||
| Average total assets | $56,670,200 | 6,007 |
| Average earning assets | $50,698,200 | 6,021 |
| Average equity | $6,209,600 | 5,968 |
| Average total loans | $42,922,400 | 5,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 672 |
| Cost of funding earning assets | 0.7956% | 2,983 |
| Net interest margin | 4.7086% | 663 |
| Noninterest income to average assets | 0.3525% | 4,998 |
| Noninterest expense to average assets | 3.3074% | 2,253 |
| Loan and lease loss provision to assets | 0.3018% | 2,188 |
| Net operating income to assets | 0.9150% | 2,908 |
| Return on assets (ROA) | 0.9150% | 3,134 |
| Pretax return on assets | 0.9584% | 3,885 |
| Return on Equity (ROE) | 8.2096% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.0616% | 2,091 |
| Net charge-offs to loans | 0.1726% | 3,720 |
| Credit loss provision to net charge-offs | 223.2143% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.3220% | 2,336 |
| Efficiency ratio | 72.4101% | 3,247 |
| Assets per employee ($millions) | 4.2815% | 3,312 |
| Cash dividends to net income (ytd only)* | 13.9832% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 4,493 |
| Loan loss allowance to noncurrent loans | 76.1194% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.5649% | 3,248 |
| Noncurrent loans to loans | 1.8017% | 3,076 |
| Net loans and leases to total assets | 85.6612% | 158 |
| Net loans and leases to deposits | 102.8119% | 315 |
| Net loans and leases to core deposits | 103.4117% | 901 |
| Total domestic deposits to total assets | 83.3184% | 4,511 |
| Equity capital to assets | 11.3744% | 2,877 |
| Core capital (leverage) ratio | 11.4210% | 2,043 |
| Tier 1 risk-based capital ratio | 12.3102% | 5,758 |
| Total risk-based capital ratio | 13.5617% | 5,731 |
| Memoranda: | ||
| Average total assets | $55,228,250 | 6,116 |
| Average earning assets | $49,439,750 | 6,140 |
| Average equity | $6,155,250 | 6,050 |
| Average total loans | $43,262,000 | 5,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 968 |
| Cost of funding earning assets | 0.8348% | 2,910 |
| Net interest margin | 4.5095% | 980 |
| Noninterest income to average assets | 0.3340% | 5,157 |
| Noninterest expense to average assets | 3.6490% | 1,471 |
| Loan and lease loss provision to assets | 0.1815% | 3,287 |
| Net operating income to assets | 0.4611% | 4,993 |
| Return on assets (ROA) | 0.4611% | 5,234 |
| Pretax return on assets | 0.5047% | 5,428 |
| Return on Equity (ROE) | 4.1662% | 5,191 |
| Retained earnings to average equity (ytd only) | 4.1662% | 3,833 |
| Net charge-offs to loans | 0.0337% | 4,908 |
| Credit loss provision to net charge-offs | 714.2857% | 443 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,145 |
| Efficiency ratio | 84.1709% | 1,610 |
| Assets per employee ($millions) | 4.0953% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 4,322 |
| Loan loss allowance to noncurrent loans | 146.4368% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 4,768 |
| Noncurrent loans to loans | 0.9793% | 4,553 |
| Net loans and leases to total assets | 82.2367% | 325 |
| Net loans and leases to deposits | 93.8280% | 788 |
| Net loans and leases to core deposits | 94.3700% | 1,565 |
| Total domestic deposits to total assets | 87.6463% | 2,366 |
| Equity capital to assets | 11.5141% | 2,577 |
| Core capital (leverage) ratio | 10.9096% | 2,383 |
| Tier 1 risk-based capital ratio | 12.9111% | 5,244 |
| Total risk-based capital ratio | 14.1627% | 5,222 |
| Memoranda: | ||
| Average total assets | $55,084,330 | 6,162 |
| Average earning assets | $48,874,330 | 6,202 |
| Average equity | $6,096,670 | 6,090 |
| Average total loans | $41,568,670 | 5,531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 1,366 |
| Cost of funding earning assets | 0.8533% | 3,037 |
| Net interest margin | 4.3228% | 1,397 |
| Noninterest income to average assets | 0.3285% | 5,234 |
| Noninterest expense to average assets | 2.7068% | 4,398 |
| Loan and lease loss provision to assets | 0.3571% | 1,763 |
| Net operating income to assets | 1.0570% | 2,263 |
| Return on assets (ROA) | 1.0570% | 2,454 |
| Pretax return on assets | 1.0999% | 3,325 |
| Return on Equity (ROE) | 9.7368% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.7368% | 1,342 |
| Net charge-offs to loans | 0.0797% | 3,700 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,027 |
| Efficiency ratio | 65.0086% | 4,737 |
| Assets per employee ($millions) | 4.3092% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 3,653 |
| Loan loss allowance to noncurrent loans | 71.4607% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6191% | 3,420 |
| Noncurrent loans to loans | 2.2638% | 2,847 |
| Net loans and leases to total assets | 69.0462% | 1,941 |
| Net loans and leases to deposits | 78.2532% | 2,463 |
| Net loans and leases to core deposits | 78.6750% | 3,233 |
| Total domestic deposits to total assets | 88.2343% | 2,168 |
| Equity capital to assets | 10.9820% | 2,924 |
| Core capital (leverage) ratio | 10.8140% | 2,430 |
| Tier 1 risk-based capital ratio | 14.1097% | 4,388 |
| Total risk-based capital ratio | 15.3625% | 4,359 |
| Memoranda: | ||
| Average total assets | $56,007,000 | 6,174 |
| Average earning assets | $49,689,500 | 6,207 |
| Average equity | $6,080,000 | 6,123 |
| Average total loans | $40,143,500 | 5,636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6664% | 837 |
| Cost of funding earning assets | 0.9437% | 3,760 |
| Net interest margin | 4.7227% | 715 |
| Noninterest income to average assets | 0.3885% | 4,720 |
| Noninterest expense to average assets | 2.9053% | 3,941 |
| Loan and lease loss provision to assets | 0.0938% | 5,424 |
| Net operating income to assets | 1.5653% | 724 |
| Return on assets (ROA) | 1.5653% | 777 |
| Pretax return on assets | 1.6065% | 1,182 |
| Return on Equity (ROE) | 14.5377% | 823 |
| Retained earnings to average equity (ytd only) | 10.0579% | 553 |
| Net charge-offs to loans | -0.0867% | 7,120 |
| Credit loss provision to net charge-offs | -142.8571% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0807% | 5,281 |
| Assets per employee ($millions) | 4.3073% | 3,233 |
| Cash dividends to net income (ytd only)* | 30.8153% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 4,236 |
| Loan loss allowance to noncurrent loans | 119.7581% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,847 |
| Noncurrent loans to loans | 1.2106% | 4,349 |
| Net loans and leases to total assets | 72.1100% | 1,630 |
| Net loans and leases to deposits | 81.4467% | 2,283 |
| Net loans and leases to core deposits | 81.8810% | 3,196 |
| Total domestic deposits to total assets | 88.5365% | 1,831 |
| Equity capital to assets | 10.7295% | 3,273 |
| Core capital (leverage) ratio | 11.3145% | 2,027 |
| Tier 1 risk-based capital ratio | 13.2193% | 4,897 |
| Total risk-based capital ratio | 14.4708% | 4,878 |
| Memoranda: | ||
| Average total assets | $53,282,200 | 6,250 |
| Average earning assets | $47,578,600 | 6,269 |
| Average equity | $5,736,800 | 6,224 |
| Average total loans | $40,386,000 | 5,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 1,023 |
| Cost of funding earning assets | 0.9590% | 3,970 |
| Net interest margin | 4.6462% | 855 |
| Noninterest income to average assets | 0.3700% | 4,913 |
| Noninterest expense to average assets | 2.8768% | 4,029 |
| Loan and lease loss provision to assets | 0.0634% | 5,660 |
| Net operating income to assets | 1.5841% | 792 |
| Return on assets (ROA) | 1.5841% | 868 |
| Pretax return on assets | 1.6297% | 1,306 |
| Return on Equity (ROE) | 14.6994% | 893 |
| Retained earnings to average equity (ytd only) | 12.2064% | 478 |
| Net charge-offs to loans | -0.1127% | 7,189 |
| Credit loss provision to net charge-offs | -73.5294% | 6,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9506% | 5,247 |
| Assets per employee ($millions) | 3.8058% | 4,296 |
| Cash dividends to net income (ytd only)* | 16.9601% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,142 |
| Loan loss allowance to noncurrent loans | 110.9375% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 4,818 |
| Noncurrent loans to loans | 1.1466% | 4,626 |
| Net loans and leases to total assets | 82.7424% | 308 |
| Net loans and leases to deposits | 98.3470% | 557 |
| Net loans and leases to core deposits | 98.9229% | 1,346 |
| Total domestic deposits to total assets | 84.1332% | 4,166 |
| Equity capital to assets | 11.1879% | 2,968 |
| Core capital (leverage) ratio | 11.2877% | 2,168 |
| Tier 1 risk-based capital ratio | 12.4035% | 5,575 |
| Total risk-based capital ratio | 13.5914% | 5,614 |
| Memoranda: | ||
| Average total assets | $52,604,000 | 6,332 |
| Average earning assets | $47,550,000 | 6,321 |
| Average equity | $5,669,000 | 6,284 |
| Average total loans | $40,239,500 | 5,733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 1,524 |
| Cost of funding earning assets | 0.9771% | 4,110 |
| Net interest margin | 4.4352% | 1,280 |
| Noninterest income to average assets | 0.3666% | 4,945 |
| Noninterest expense to average assets | 2.8752% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4319% | 1,018 |
| Return on assets (ROA) | 1.4319% | 1,075 |
| Pretax return on assets | 1.4777% | 1,594 |
| Return on Equity (ROE) | 13.4610% | 1,097 |
| Retained earnings to average equity (ytd only) | 11.2713% | 621 |
| Net charge-offs to loans | -0.1702% | 7,271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0526% | 4,864 |
| Assets per employee ($millions) | 3.7851% | 4,237 |
| Cash dividends to net income (ytd only)* | 16.2667% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 5,101 |
| Loan loss allowance to noncurrent loans | 87.1383% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 4,540 |
| Noncurrent loans to loans | 1.4819% | 4,203 |
| Net loans and leases to total assets | 78.1816% | 754 |
| Net loans and leases to deposits | 88.5938% | 1,412 |
| Net loans and leases to core deposits | 89.0872% | 2,484 |
| Total domestic deposits to total assets | 88.2473% | 1,993 |
| Equity capital to assets | 10.8564% | 3,124 |
| Core capital (leverage) ratio | 10.8301% | 2,390 |
| Tier 1 risk-based capital ratio | 12.6307% | 5,235 |
| Total risk-based capital ratio | 13.8265% | 5,240 |
| Memoranda: | ||
| Average total assets | $52,378,330 | 6,397 |
| Average earning assets | $47,078,000 | 6,395 |
| Average equity | $5,571,670 | 6,348 |
| Average total loans | $38,768,000 | 5,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1171% | 2,570 |
| Cost of funding earning assets | 0.9795% | 4,351 |
| Net interest margin | 4.1376% | 2,126 |
| Noninterest income to average assets | 0.3534% | 5,072 |
| Noninterest expense to average assets | 2.8576% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2137% | 1,490 |
| Return on assets (ROA) | 1.2137% | 1,545 |
| Pretax return on assets | 1.2598% | 2,162 |
| Return on Equity (ROE) | 11.5307% | 1,590 |
| Retained earnings to average equity (ytd only) | 10.2901% | 1,048 |
| Net charge-offs to loans | -0.4413% | 7,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4030% | 4,395 |
| Assets per employee ($millions) | 3.6958% | 4,550 |
| Cash dividends to net income (ytd only)* | 10.7595% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,324 |
| Loan loss allowance to noncurrent loans | 49.2390% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.1588% | 3,117 |
| Noncurrent loans to loans | 2.9951% | 2,512 |
| Net loans and leases to total assets | 71.0152% | 1,917 |
| Net loans and leases to deposits | 80.3499% | 2,647 |
| Net loans and leases to core deposits | 80.8040% | 3,630 |
| Total domestic deposits to total assets | 88.3825% | 2,154 |
| Equity capital to assets | 10.7246% | 2,960 |
| Core capital (leverage) ratio | 10.5573% | 2,554 |
| Tier 1 risk-based capital ratio | 13.4842% | 4,427 |
| Total risk-based capital ratio | 14.7345% | 4,409 |
| Memoranda: | ||
| Average total assets | $52,071,500 | 6,455 |
| Average earning assets | $47,371,000 | 6,437 |
| Average equity | $5,481,000 | 6,392 |
| Average total loans | $37,166,000 | 5,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 2,256 |
| Cost of funding earning assets | 1.1238% | 5,007 |
| Net interest margin | 4.3825% | 1,545 |
| Noninterest income to average assets | 0.3586% | 5,241 |
| Noninterest expense to average assets | 2.8173% | 4,532 |
| Loan and lease loss provision to assets | 0.1855% | 5,375 |
| Net operating income to assets | 1.2365% | 1,328 |
| Return on assets (ROA) | 1.2365% | 1,400 |
| Pretax return on assets | 1.2860% | 1,965 |
| Return on Equity (ROE) | 11.5039% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.6280% | 807 |
| Net charge-offs to loans | 0.1980% | 5,103 |
| Credit loss provision to net charge-offs | 132.3529% | 2,967 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,696 |
| Efficiency ratio | 65.6896% | 5,028 |
| Assets per employee ($millions) | 3.4935% | 4,944 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 4,637 |
| Loan loss allowance to noncurrent loans | 79.2835% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,568 |
| Noncurrent loans to loans | 1.7334% | 3,899 |
| Net loans and leases to total assets | 69.7092% | 2,596 |
| Net loans and leases to deposits | 78.4659% | 3,436 |
| Net loans and leases to core deposits | 78.8980% | 4,358 |
| Total domestic deposits to total assets | 88.8401% | 1,751 |
| Equity capital to assets | 10.3298% | 3,352 |
| Core capital (leverage) ratio | 11.2310% | 1,989 |
| Tier 1 risk-based capital ratio | 13.0652% | 4,553 |
| Total risk-based capital ratio | 14.2940% | 4,528 |
| Memoranda: | ||
| Average total assets | $48,522,400 | 6,590 |
| Average earning assets | $43,514,200 | 6,595 |
| Average equity | $5,215,600 | 6,589 |
| Average total loans | $34,341,400 | 6,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 2,153 |
| Cost of funding earning assets | 1.1574% | 5,103 |
| Net interest margin | 4.4198% | 1,466 |
| Noninterest income to average assets | 0.3617% | 5,266 |
| Noninterest expense to average assets | 2.9132% | 4,035 |
| Loan and lease loss provision to assets | 0.1682% | 5,361 |
| Net operating income to assets | 1.1916% | 1,612 |
| Return on assets (ROA) | 1.1916% | 1,702 |
| Pretax return on assets | 1.2421% | 2,356 |
| Return on Equity (ROE) | 10.9683% | 1,795 |
| Retained earnings to average equity (ytd only) | 9.0329% | 1,048 |
| Net charge-offs to loans | 0.2257% | 4,578 |
| Credit loss provision to net charge-offs | 105.2632% | 4,070 |
| Earnings coverage of net charge-offs (x) | 8.8243% | 2,105 |
| Efficiency ratio | 67.3800% | 4,587 |
| Assets per employee ($millions) | 3.5497% | 4,853 |
| Cash dividends to net income (ytd only)* | 17.6476% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,702 |
| Loan loss allowance to noncurrent loans | 177.5362% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 5,944 |
| Noncurrent loans to loans | 0.7618% | 5,681 |
| Net loans and leases to total assets | 77.4542% | 1,137 |
| Net loans and leases to deposits | 88.7140% | 1,905 |
| Net loans and leases to core deposits | 89.8763% | 3,109 |
| Total domestic deposits to total assets | 87.3077% | 2,367 |
| Equity capital to assets | 11.6045% | 2,451 |
| Core capital (leverage) ratio | 11.1599% | 2,151 |
| Tier 1 risk-based capital ratio | 13.4738% | 4,223 |
| Total risk-based capital ratio | 14.7165% | 4,176 |
| Memoranda: | ||
| Average total assets | $47,552,500 | 6,696 |
| Average earning assets | $42,624,750 | 6,708 |
| Average equity | $5,166,250 | 6,693 |
| Average total loans | $33,667,250 | 6,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 2,951 |
| Cost of funding earning assets | 1.1795% | 5,239 |
| Net interest margin | 4.2259% | 2,067 |
| Noninterest income to average assets | 0.3332% | 5,493 |
| Noninterest expense to average assets | 2.7988% | 4,484 |
| Loan and lease loss provision to assets | 0.1249% | 5,639 |
| Net operating income to assets | 1.1495% | 1,699 |
| Return on assets (ROA) | 1.1495% | 1,761 |
| Pretax return on assets | 1.1995% | 2,418 |
| Return on Equity (ROE) | 10.8165% | 1,805 |
| Retained earnings to average equity (ytd only) | 9.3664% | 992 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8788% | 4,606 |
| Assets per employee ($millions) | 3.5691% | 4,755 |
| Cash dividends to net income (ytd only)* | 13.4058% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,998 |
| Loan loss allowance to noncurrent loans | 180.1394% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 5,948 |
| Noncurrent loans to loans | 0.8248% | 5,630 |
| Net loans and leases to total assets | 73.8803% | 1,934 |
| Net loans and leases to deposits | 83.7401% | 2,919 |
| Net loans and leases to core deposits | 84.8133% | 4,023 |
| Total domestic deposits to total assets | 88.2258% | 1,867 |
| Equity capital to assets | 11.3044% | 2,593 |
| Core capital (leverage) ratio | 10.7445% | 2,436 |
| Tier 1 risk-based capital ratio | 13.6212% | 3,993 |
| Total risk-based capital ratio | 14.8731% | 3,951 |
| Memoranda: | ||
| Average total assets | $48,021,330 | 6,728 |
| Average earning assets | $43,067,670 | 6,737 |
| Average equity | $5,103,330 | 6,748 |
| Average total loans | $32,812,330 | 6,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 4,573 |
| Cost of funding earning assets | 1.1931% | 5,443 |
| Net interest margin | 3.8980% | 3,338 |
| Noninterest income to average assets | 0.2949% | 5,786 |
| Noninterest expense to average assets | 2.7277% | 4,776 |
| Loan and lease loss provision to assets | 0.2457% | 4,081 |
| Net operating income to assets | 0.7782% | 3,069 |
| Return on assets (ROA) | 0.7782% | 3,177 |
| Pretax return on assets | 0.8273% | 3,756 |
| Return on Equity (ROE) | 7.5509% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,901 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7672% | 3,970 |
| Assets per employee ($millions) | 3.7535% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 3,436 |
| Loan loss allowance to noncurrent loans | 79.4163% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 4,518 |
| Noncurrent loans to loans | 2.0169% | 3,773 |
| Net loans and leases to total assets | 65.0907% | 4,084 |
| Net loans and leases to deposits | 72.9920% | 4,908 |
| Net loans and leases to core deposits | 73.8645% | 5,510 |
| Total domestic deposits to total assets | 89.1751% | 1,428 |
| Equity capital to assets | 10.3966% | 3,347 |
| Core capital (leverage) ratio | 10.2889% | 2,824 |
| Tier 1 risk-based capital ratio | 13.7670% | 3,818 |
| Total risk-based capital ratio | 15.0191% | 3,772 |
| Memoranda: | ||
| Average total assets | $48,833,000 | 6,771 |
| Average earning assets | $43,920,500 | 6,780 |
| Average equity | $5,032,500 | 6,831 |
| Average total loans | $31,820,500 | 6,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 2,792 |
| Cost of funding earning assets | 1.5784% | 5,138 |
| Net interest margin | 4.1888% | 2,110 |
| Noninterest income to average assets | 0.4064% | 5,151 |
| Noninterest expense to average assets | 3.0971% | 3,758 |
| Loan and lease loss provision to assets | 0.4283% | 4,260 |
| Net operating income to assets | 0.6304% | 3,217 |
| Return on assets (ROA) | 0.6304% | 3,278 |
| Pretax return on assets | 0.6699% | 3,684 |
| Return on Equity (ROE) | 5.8469% | 3,275 |
| Retained earnings to average equity (ytd only) | 2.1798% | 3,584 |
| Net charge-offs to loans | 0.6713% | 3,173 |
| Credit loss provision to net charge-offs | 89.4495% | 6,019 |
| Earnings coverage of net charge-offs (x) | 2.2936% | 4,008 |
| Efficiency ratio | 73.8220% | 3,933 |
| Assets per employee ($millions) | 3.7593% | 4,377 |
| Cash dividends to net income (ytd only)* | 62.7178% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,461 |
| Loan loss allowance to noncurrent loans | 529.3478% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 6,998 |
| Noncurrent loans to loans | 0.2933% | 6,692 |
| Net loans and leases to total assets | 63.1786% | 4,777 |
| Net loans and leases to deposits | 70.4980% | 5,538 |
| Net loans and leases to core deposits | 79.3870% | 6,154 |
| Total domestic deposits to total assets | 89.6176% | 1,147 |
| Equity capital to assets | 10.2146% | 3,495 |
| Core capital (leverage) ratio | 10.8816% | 2,291 |
| Tier 1 risk-based capital ratio | 13.7807% | 3,643 |
| Total risk-based capital ratio | 15.0332% | 3,575 |
| Memoranda: | ||
| Average total assets | $45,526,000 | 6,894 |
| Average earning assets | $41,181,200 | 6,900 |
| Average equity | $4,908,600 | 6,976 |
| Average total loans | $32,473,200 | 6,494 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8626% | 2,615 |
| Cost of funding earning assets | 1.6572% | 5,122 |
| Net interest margin | 4.2053% | 2,038 |
| Noninterest income to average assets | 0.4147% | 5,175 |
| Noninterest expense to average assets | 3.1863% | 3,347 |
| Loan and lease loss provision to assets | 0.3580% | 4,173 |
| Net operating income to assets | 0.6653% | 3,332 |
| Return on assets (ROA) | 0.6653% | 3,397 |
| Pretax return on assets | 0.7011% | 3,853 |
| Return on Equity (ROE) | 6.0832% | 3,492 |
| Retained earnings to average equity (ytd only) | 1.1729% | 4,670 |
| Net charge-offs to loans | 0.8875% | 2,188 |
| Credit loss provision to net charge-offs | 55.0459% | 6,242 |
| Earnings coverage of net charge-offs (x) | 1.6284% | 4,572 |
| Efficiency ratio | 75.0527% | 3,682 |
| Assets per employee ($millions) | 3.3491% | 5,259 |
| Cash dividends to net income (ytd only)* | 80.7150% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,993 |
| Loan loss allowance to noncurrent loans | 388.6792% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 6,914 |
| Noncurrent loans to loans | 0.3146% | 6,729 |
| Net loans and leases to total assets | 76.4528% | 1,905 |
| Net loans and leases to deposits | 86.5471% | 3,215 |
| Net loans and leases to core deposits | 101.4044% | 4,222 |
| Total domestic deposits to total assets | 88.3366% | 1,503 |
| Equity capital to assets | 11.3326% | 2,724 |
| Core capital (leverage) ratio | 10.8893% | 2,487 |
| Tier 1 risk-based capital ratio | 13.2310% | 4,028 |
| Total risk-based capital ratio | 14.3440% | 4,062 |
| Memoranda: | ||
| Average total assets | $44,689,750 | 6,977 |
| Average earning assets | $40,709,250 | 6,972 |
| Average equity | $4,887,750 | 7,044 |
| Average total loans | $32,750,750 | 6,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 3,316 |
| Cost of funding earning assets | 1.6563% | 5,488 |
| Net interest margin | 4.0898% | 2,353 |
| Noninterest income to average assets | 0.4127% | 5,180 |
| Noninterest expense to average assets | 3.1548% | 3,485 |
| Loan and lease loss provision to assets | 0.1331% | 5,761 |
| Net operating income to assets | 0.8253% | 2,753 |
| Return on assets (ROA) | 0.8253% | 2,850 |
| Pretax return on assets | 0.8608% | 3,469 |
| Return on Equity (ROE) | 7.6350% | 2,912 |
| Retained earnings to average equity (ytd only) | 0.2463% | 5,115 |
| Net charge-offs to loans | 0.7523% | 2,179 |
| Credit loss provision to net charge-offs | 24.5902% | 6,083 |
| Earnings coverage of net charge-offs (x) | 1.8361% | 4,192 |
| Efficiency ratio | 76.0428% | 3,682 |
| Assets per employee ($millions) | 3.2879% | 5,352 |
| Cash dividends to net income (ytd only)* | 96.7742% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,546 |
| Loan loss allowance to noncurrent loans | 119.0883% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 5,493 |
| Noncurrent loans to loans | 1.0575% | 5,100 |
| Net loans and leases to total assets | 71.1998% | 3,422 |
| Net loans and leases to deposits | 79.9873% | 4,550 |
| Net loans and leases to core deposits | 93.6748% | 5,154 |
| Total domestic deposits to total assets | 89.0139% | 1,264 |
| Equity capital to assets | 10.6189% | 3,282 |
| Core capital (leverage) ratio | 10.8165% | 2,552 |
| Tier 1 risk-based capital ratio | 12.9550% | 4,179 |
| Total risk-based capital ratio | 14.0687% | 4,191 |
| Memoranda: | ||
| Average total assets | $45,073,670 | 7,015 |
| Average earning assets | $41,176,000 | 7,003 |
| Average equity | $4,872,330 | 7,113 |
| Average total loans | $32,435,000 | 6,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 3,137 |
| Cost of funding earning assets | 1.6911% | 5,632 |
| Net interest margin | 4.1394% | 2,129 |
| Noninterest income to average assets | 0.4395% | 4,878 |
| Noninterest expense to average assets | 3.1483% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0315% | 2,186 |
| Return on assets (ROA) | 1.0315% | 2,327 |
| Pretax return on assets | 1.0674% | 3,116 |
| Return on Equity (ROE) | 9.4563% | 2,553 |
| Retained earnings to average equity (ytd only) | -2.8780% | 6,254 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6809% | 3,707 |
| Assets per employee ($millions) | 3.1551% | 5,724 |
| Cash dividends to net income (ytd only)* | 130.4348% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 2,380 |
| Loan loss allowance to noncurrent loans | 123.1884% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,847 |
| Noncurrent loans to loans | 1.3278% | 4,324 |
| Net loans and leases to total assets | 69.4347% | 3,813 |
| Net loans and leases to deposits | 78.3557% | 4,867 |
| Net loans and leases to core deposits | 87.9628% | 5,743 |
| Total domestic deposits to total assets | 88.6147% | 1,416 |
| Equity capital to assets | 10.9529% | 3,008 |
| Core capital (leverage) ratio | 10.9090% | 2,573 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,793 |
| Total risk-based capital ratio | 14.8663% | 3,711 |
| Memoranda: | ||
| Average total assets | $44,595,000 | 7,076 |
| Average earning assets | $40,682,500 | 7,070 |
| Average equity | $4,864,500 | 7,167 |
| Average total loans | $32,056,500 | 6,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1789% | 778 |
| Cost of funding earning assets | 2.2969% | 5,164 |
| Net interest margin | 4.8819% | 651 |
| Noninterest income to average assets | 0.4376% | 5,142 |
| Noninterest expense to average assets | 3.1225% | 3,607 |
| Loan and lease loss provision to assets | 0.2978% | 3,998 |
| Net operating income to assets | 1.4937% | 1,032 |
| Return on assets (ROA) | 1.4937% | 992 |
| Pretax return on assets | 1.4433% | 1,842 |
| Return on Equity (ROE) | 14.3259% | 1,045 |
| Retained earnings to average equity (ytd only) | 14.3259% | 112 |
| Net charge-offs to loans | 0.6615% | 1,875 |
| Credit loss provision to net charge-offs | 60.4651% | 6,224 |
| Earnings coverage of net charge-offs (x) | 3.5349% | 4,324 |
| Efficiency ratio | 64.2016% | 5,517 |
| Assets per employee ($millions) | 3.2156% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 2,460 |
| Loan loss allowance to noncurrent loans | 222.7074% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 5,657 |
| Noncurrent loans to loans | 0.6954% | 5,295 |
| Net loans and leases to total assets | 72.0207% | 3,576 |
| Net loans and leases to deposits | 81.3953% | 4,809 |
| Net loans and leases to core deposits | 93.6783% | 5,472 |
| Total domestic deposits to total assets | 88.4826% | 1,262 |
| Equity capital to assets | 10.8643% | 3,152 |
| Core capital (leverage) ratio | 11.2611% | 2,394 |
| Tier 1 risk-based capital ratio | 12.9456% | 4,140 |
| Total risk-based capital ratio | 14.1962% | 4,067 |
| Memoranda: | ||
| Average total assets | $43,651,000 | 7,045 |
| Average earning assets | $39,574,400 | 7,061 |
| Average equity | $4,551,200 | 7,312 |
| Average total loans | $32,500,400 | 6,580 |