Home > Black River Country Bank > Performance and Condition Ratios
Black River Country Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 1,685 |
| Cost of funding earning assets | 0.5494% | 712 |
| Net interest margin | 3.3253% | 2,248 |
| Noninterest income to average assets | 0.3088% | 3,554 |
| Noninterest expense to average assets | 2.1770% | 3,151 |
| Loan and lease loss provision to assets | 0.0630% | 1,810 |
| Net operating income to assets | 1.2025% | 1,914 |
| Return on assets (ROA) | 1.2067% | 1,948 |
| Pretax return on assets | 1.2067% | 2,643 |
| Return on Equity (ROE) | 12.5973% | 1,608 |
| Retained earnings to average equity (ytd only) | 0.1425% | 4,452 |
| Net charge-offs to loans | 0.0030% | 2,511 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 602.5000% | 236 |
| Efficiency ratio | 63.2398% | 2,676 |
| Assets per employee ($millions) | 5.4001% | 3,354 |
| Cash dividends to net income (ytd only)* | 98.8686% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,537 |
| Loan loss allowance to noncurrent loans | 34,366.6667% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,681 |
| Noncurrent loans to loans | 0.0044% | 4,091 |
| Net loans and leases to total assets | 65.7820% | 1,493 |
| Net loans and leases to deposits | 77.1887% | 1,477 |
| Net loans and leases to core deposits | 80.2313% | 1,574 |
| Total domestic deposits to total assets | 85.2224% | 3,204 |
| Equity capital to assets | 8.5194% | 4,038 |
| Core capital (leverage) ratio | 8.6537% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7248% | 1,963 |
| Memoranda: | ||
| Average total assets | $95,222,000 | 4,042 |
| Average earning assets | $89,736,800 | 4,029 |
| Average equity | $9,121,000 | 4,233 |
| Average total loans | $65,936,400 | 3,725 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 1,496 |
| Cost of funding earning assets | 0.5611% | 785 |
| Net interest margin | 3.4575% | 1,985 |
| Noninterest income to average assets | 0.3170% | 3,530 |
| Noninterest expense to average assets | 2.2089% | 3,043 |
| Loan and lease loss provision to assets | 0.0643% | 1,715 |
| Net operating income to assets | 1.2951% | 1,842 |
| Return on assets (ROA) | 1.2951% | 1,902 |
| Pretax return on assets | 1.2994% | 2,629 |
| Return on Equity (ROE) | 13.1218% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.7851% | 2,498 |
| Net charge-offs to loans | 0.0041% | 2,197 |
| Credit loss provision to net charge-offs | 2,250.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 477.5000% | 311 |
| Efficiency ratio | 61.8305% | 2,727 |
| Assets per employee ($millions) | 5.0032% | 3,692 |
| Cash dividends to net income (ytd only)* | 48.2911% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,526 |
| Loan loss allowance to noncurrent loans | 25,400.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,824 |
| Noncurrent loans to loans | 0.0060% | 4,165 |
| Net loans and leases to total assets | 68.8148% | 1,216 |
| Net loans and leases to deposits | 82.5709% | 1,060 |
| Net loans and leases to core deposits | 86.1780% | 1,277 |
| Total domestic deposits to total assets | 83.3402% | 3,621 |
| Equity capital to assets | 9.8947% | 3,005 |
| Core capital (leverage) ratio | 9.8143% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4911% | 1,488 |
| Memoranda: | ||
| Average total assets | $93,377,250 | 4,111 |
| Average earning assets | $87,921,750 | 4,093 |
| Average equity | $9,216,000 | 4,280 |
| Average total loans | $65,289,500 | 3,789 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 1,252 |
| Cost of funding earning assets | 0.5737% | 843 |
| Net interest margin | 3.5841% | 1,625 |
| Noninterest income to average assets | 0.3814% | 3,207 |
| Noninterest expense to average assets | 2.1483% | 3,248 |
| Loan and lease loss provision to assets | 0.0646% | 1,749 |
| Net operating income to assets | 1.5407% | 1,189 |
| Return on assets (ROA) | 1.5407% | 1,253 |
| Pretax return on assets | 1.5471% | 1,882 |
| Return on Equity (ROE) | 15.6239% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.1340% | 1,670 |
| Net charge-offs to loans | 0.0062% | 1,921 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 323 |
| Efficiency ratio | 57.1347% | 3,386 |
| Assets per employee ($millions) | 4.9766% | 3,681 |
| Cash dividends to net income (ytd only)* | 41.5385% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,572 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,884 |
| Noncurrent loans to loans | 0.0105% | 4,190 |
| Net loans and leases to total assets | 69.2031% | 1,298 |
| Net loans and leases to deposits | 82.9110% | 1,131 |
| Net loans and leases to core deposits | 86.2064% | 1,401 |
| Total domestic deposits to total assets | 83.4668% | 3,587 |
| Equity capital to assets | 9.8831% | 2,967 |
| Core capital (leverage) ratio | 9.8691% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5280% | 1,463 |
| Memoranda: | ||
| Average total assets | $92,816,000 | 4,144 |
| Average earning assets | $87,496,667 | 4,120 |
| Average equity | $9,152,667 | 4,308 |
| Average total loans | $64,908,667 | 3,818 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 1,185 |
| Cost of funding earning assets | 0.5949% | 891 |
| Net interest margin | 3.6153% | 1,542 |
| Noninterest income to average assets | 0.4698% | 2,755 |
| Noninterest expense to average assets | 2.2839% | 2,842 |
| Loan and lease loss provision to assets | 0.0653% | 1,837 |
| Net operating income to assets | 1.5183% | 1,286 |
| Return on assets (ROA) | 1.5183% | 1,348 |
| Pretax return on assets | 1.5313% | 1,910 |
| Return on Equity (ROE) | 15.4143% | 1,135 |
| Retained earnings to average equity (ytd only) | 9.4959% | 1,801 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8565% | 3,178 |
| Assets per employee ($millions) | 4.9285% | 3,735 |
| Cash dividends to net income (ytd only)* | 38.3954% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,565 |
| Loan loss allowance to noncurrent loans | 16,466.6667% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,005 |
| Noncurrent loans to loans | 0.0092% | 4,272 |
| Net loans and leases to total assets | 68.7658% | 1,434 |
| Net loans and leases to deposits | 81.2233% | 1,406 |
| Net loans and leases to core deposits | 83.9314% | 1,687 |
| Total domestic deposits to total assets | 84.6627% | 3,234 |
| Equity capital to assets | 9.7126% | 2,985 |
| Core capital (leverage) ratio | 9.9166% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9370% | 1,309 |
| Memoranda: | ||
| Average total assets | $91,946,500 | 4,161 |
| Average earning assets | $86,741,500 | 4,136 |
| Average equity | $9,056,500 | 4,326 |
| Average total loans | $64,145,000 | 3,838 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,257 |
| Cost of funding earning assets | 0.8543% | 1,005 |
| Net interest margin | 3.6685% | 1,919 |
| Noninterest income to average assets | 0.3388% | 3,434 |
| Noninterest expense to average assets | 2.2947% | 3,411 |
| Loan and lease loss provision to assets | 0.0689% | 3,520 |
| Net operating income to assets | 1.4127% | 992 |
| Return on assets (ROA) | 1.4127% | 1,075 |
| Pretax return on assets | 1.4127% | 1,617 |
| Return on Equity (ROE) | 13.4570% | 932 |
| Retained earnings to average equity (ytd only) | 0.3282% | 4,415 |
| Net charge-offs to loans | 0.0151% | 2,811 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 655 |
| Efficiency ratio | 60.7664% | 3,354 |
| Assets per employee ($millions) | 4.7501% | 3,660 |
| Cash dividends to net income (ytd only)* | 97.5610% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,442 |
| Loan loss allowance to noncurrent loans | 4,865.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,993 |
| Noncurrent loans to loans | 0.0318% | 4,185 |
| Net loans and leases to total assets | 68.6256% | 1,748 |
| Net loans and leases to deposits | 81.7605% | 1,682 |
| Net loans and leases to core deposits | 84.9532% | 1,956 |
| Total domestic deposits to total assets | 83.9350% | 3,134 |
| Equity capital to assets | 9.9920% | 3,137 |
| Core capital (leverage) ratio | 9.7894% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9924% | 1,263 |
| Memoranda: | ||
| Average total assets | $87,068,400 | 4,159 |
| Average earning assets | $81,586,600 | 4,140 |
| Average equity | $9,140,200 | 4,293 |
| Average total loans | $66,249,200 | 3,805 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 1,046 |
| Cost of funding earning assets | 0.9069% | 1,046 |
| Net interest margin | 3.8027% | 1,613 |
| Noninterest income to average assets | 0.3462% | 3,396 |
| Noninterest expense to average assets | 2.2950% | 3,434 |
| Loan and lease loss provision to assets | 0.0695% | 3,459 |
| Net operating income to assets | 1.5393% | 835 |
| Return on assets (ROA) | 1.5393% | 914 |
| Pretax return on assets | 1.5393% | 1,359 |
| Return on Equity (ROE) | 14.4805% | 799 |
| Retained earnings to average equity (ytd only) | 9.3047% | 909 |
| Net charge-offs to loans | 0.0179% | 2,500 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 714 |
| Efficiency ratio | 58.7886% | 3,556 |
| Assets per employee ($millions) | 4.4929% | 3,856 |
| Cash dividends to net income (ytd only)* | 35.7430% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,663 |
| Loan loss allowance to noncurrent loans | 1,546.7742% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 3,845 |
| Noncurrent loans to loans | 0.0916% | 4,001 |
| Net loans and leases to total assets | 74.2538% | 1,344 |
| Net loans and leases to deposits | 89.2615% | 1,344 |
| Net loans and leases to core deposits | 93.1313% | 1,699 |
| Total domestic deposits to total assets | 83.1868% | 3,095 |
| Equity capital to assets | 10.6780% | 2,644 |
| Core capital (leverage) ratio | 10.2892% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9490% | 1,258 |
| Memoranda: | ||
| Average total assets | $86,272,500 | 4,173 |
| Average earning assets | $80,712,750 | 4,158 |
| Average equity | $9,170,750 | 4,305 |
| Average total loans | $67,084,250 | 3,809 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 981 |
| Cost of funding earning assets | 0.9418% | 1,184 |
| Net interest margin | 3.9554% | 1,431 |
| Noninterest income to average assets | 0.3667% | 3,280 |
| Noninterest expense to average assets | 2.3296% | 3,453 |
| Loan and lease loss provision to assets | 0.0705% | 3,414 |
| Net operating income to assets | 1.6691% | 652 |
| Return on assets (ROA) | 1.6691% | 711 |
| Pretax return on assets | 1.6691% | 1,056 |
| Return on Equity (ROE) | 15.7265% | 614 |
| Retained earnings to average equity (ytd only) | 11.4516% | 541 |
| Net charge-offs to loans | 0.0269% | 2,185 |
| Credit loss provision to net charge-offs | 333.3333% | 1,547 |
| Earnings coverage of net charge-offs (x) | 82.2222% | 790 |
| Efficiency ratio | 57.2501% | 3,780 |
| Assets per employee ($millions) | 4.9529% | 3,229 |
| Cash dividends to net income (ytd only)* | 27.1831% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,643 |
| Loan loss allowance to noncurrent loans | 81.1694% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 821 |
| Noncurrent loans to loans | 1.7037% | 849 |
| Net loans and leases to total assets | 71.5353% | 1,797 |
| Net loans and leases to deposits | 85.0342% | 1,878 |
| Net loans and leases to core deposits | 88.3892% | 2,210 |
| Total domestic deposits to total assets | 84.1253% | 2,712 |
| Equity capital to assets | 10.0344% | 3,171 |
| Core capital (leverage) ratio | 10.6837% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5953% | 1,341 |
| Memoranda: | ||
| Average total assets | $85,077,333 | 4,194 |
| Average earning assets | $79,638,667 | 4,175 |
| Average equity | $9,029,333 | 4,336 |
| Average total loans | $66,885,000 | 3,818 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 1,365 |
| Cost of funding earning assets | 0.9986% | 1,426 |
| Net interest margin | 3.8244% | 1,889 |
| Noninterest income to average assets | 0.2880% | 3,797 |
| Noninterest expense to average assets | 2.5520% | 3,127 |
| Loan and lease loss provision to assets | 0.0745% | 2,807 |
| Net operating income to assets | 1.2363% | 1,417 |
| Return on assets (ROA) | 1.2363% | 1,516 |
| Pretax return on assets | 1.2363% | 2,080 |
| Return on Equity (ROE) | 11.2893% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.2893% | 526 |
| Net charge-offs to loans | 0.0544% | 1,466 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,194 |
| Efficiency ratio | 66.0668% | 2,949 |
| Assets per employee ($millions) | 3.8141% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,691 |
| Loan loss allowance to noncurrent loans | 73.1496% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.6243% | 624 |
| Noncurrent loans to loans | 1.9168% | 762 |
| Net loans and leases to total assets | 81.5599% | 496 |
| Net loans and leases to deposits | 95.0045% | 995 |
| Net loans and leases to core deposits | 99.3370% | 1,528 |
| Total domestic deposits to total assets | 85.8484% | 2,059 |
| Equity capital to assets | 11.0279% | 2,833 |
| Core capital (leverage) ratio | 11.3215% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9458% | 1,358 |
| Memoranda: | ||
| Average total assets | $80,563,000 | 4,259 |
| Average earning assets | $75,305,500 | 4,234 |
| Average equity | $8,822,500 | 4,386 |
| Average total loans | $66,196,000 | 3,842 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 1,704 |
| Cost of funding earning assets | 1.0000% | 1,722 |
| Net interest margin | 3.9175% | 2,111 |
| Noninterest income to average assets | 0.2890% | 3,959 |
| Noninterest expense to average assets | 2.5548% | 3,307 |
| Loan and lease loss provision to assets | 0.0754% | 2,487 |
| Net operating income to assets | 1.2969% | 1,704 |
| Return on assets (ROA) | 1.2969% | 1,776 |
| Pretax return on assets | 1.2969% | 2,512 |
| Return on Equity (ROE) | 11.5739% | 1,661 |
| Retained earnings to average equity (ytd only) | 0.3477% | 4,594 |
| Net charge-offs to loans | 0.0045% | 3,514 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 244 |
| Efficiency ratio | 65.0560% | 2,924 |
| Assets per employee ($millions) | 4.0515% | 3,841 |
| Cash dividends to net income (ytd only)* | 96.9961% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,535 |
| Loan loss allowance to noncurrent loans | 1,112.0482% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 3,937 |
| Noncurrent loans to loans | 0.1255% | 4,024 |
| Net loans and leases to total assets | 80.4811% | 726 |
| Net loans and leases to deposits | 93.8452% | 1,170 |
| Net loans and leases to core deposits | 97.6491% | 1,759 |
| Total domestic deposits to total assets | 85.7594% | 2,157 |
| Equity capital to assets | 10.8751% | 3,113 |
| Core capital (leverage) ratio | 10.8671% | 2,623 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,543 |
| Total risk-based capital ratio | 16.8506% | 2,478 |
| Memoranda: | ||
| Average total assets | $79,574,600 | 4,294 |
| Average earning assets | $73,899,400 | 4,288 |
| Average equity | $8,916,600 | 4,384 |
| Average total loans | $66,429,000 | 3,848 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,791 |
| Cost of funding earning assets | 0.9859% | 1,825 |
| Net interest margin | 3.9235% | 2,180 |
| Noninterest income to average assets | 0.2744% | 4,105 |
| Noninterest expense to average assets | 2.5518% | 3,293 |
| Loan and lease loss provision to assets | 0.0757% | 2,379 |
| Net operating income to assets | 1.2843% | 1,907 |
| Return on assets (ROA) | 1.2843% | 1,992 |
| Pretax return on assets | 1.2843% | 2,717 |
| Return on Equity (ROE) | 11.3758% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.6048% | 2,056 |
| Net charge-offs to loans | 0.0040% | 3,265 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 403.4869% | 245 |
| Efficiency ratio | 65.2324% | 2,820 |
| Assets per employee ($millions) | 3.9458% | 3,970 |
| Cash dividends to net income (ytd only)* | 41.9400% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,692 |
| Loan loss allowance to noncurrent loans | 1,180.5195% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,047 |
| Noncurrent loans to loans | 0.1159% | 4,130 |
| Net loans and leases to total assets | 83.0351% | 448 |
| Net loans and leases to deposits | 98.1237% | 809 |
| Net loans and leases to core deposits | 102.6682% | 1,447 |
| Total domestic deposits to total assets | 84.6229% | 2,571 |
| Equity capital to assets | 11.6833% | 2,522 |
| Core capital (leverage) ratio | 11.6069% | 2,142 |
| Tier 1 risk-based capital ratio | 16.1219% | 2,381 |
| Total risk-based capital ratio | 17.3747% | 2,321 |
| Memoranda: | ||
| Average total assets | $79,211,000 | 4,358 |
| Average earning assets | $73,436,500 | 4,349 |
| Average equity | $8,942,750 | 4,430 |
| Average total loans | $66,502,250 | 3,885 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 1,948 |
| Cost of funding earning assets | 0.9527% | 1,894 |
| Net interest margin | 3.8842% | 2,287 |
| Noninterest income to average assets | 0.2799% | 4,062 |
| Noninterest expense to average assets | 2.4663% | 3,583 |
| Loan and lease loss provision to assets | 0.0757% | 2,302 |
| Net operating income to assets | 1.3365% | 1,628 |
| Return on assets (ROA) | 1.3365% | 1,690 |
| Pretax return on assets | 1.3365% | 2,422 |
| Return on Equity (ROE) | 11.9770% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.5986% | 2,008 |
| Net charge-offs to loans | 0.0060% | 2,936 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 282 |
| Efficiency ratio | 63.5891% | 3,201 |
| Assets per employee ($millions) | 4.0847% | 3,761 |
| Cash dividends to net income (ytd only)* | 44.9057% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,806 |
| Loan loss allowance to noncurrent loans | 442.5743% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,416 |
| Noncurrent loans to loans | 0.3054% | 3,453 |
| Net loans and leases to total assets | 79.8771% | 893 |
| Net loans and leases to deposits | 94.6437% | 1,188 |
| Net loans and leases to core deposits | 98.7515% | 1,826 |
| Total domestic deposits to total assets | 84.3977% | 2,725 |
| Equity capital to assets | 11.0548% | 2,990 |
| Core capital (leverage) ratio | 11.3238% | 2,316 |
| Tier 1 risk-based capital ratio | 15.8303% | 2,486 |
| Total risk-based capital ratio | 17.0827% | 2,419 |
| Memoranda: | ||
| Average total assets | $79,309,330 | 4,387 |
| Average earning assets | $73,477,330 | 4,383 |
| Average equity | $8,850,330 | 4,459 |
| Average total loans | $66,524,000 | 3,916 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,795 |
| Cost of funding earning assets | 0.9112% | 1,954 |
| Net interest margin | 3.9265% | 2,108 |
| Noninterest income to average assets | 0.2867% | 3,959 |
| Noninterest expense to average assets | 2.2837% | 4,065 |
| Loan and lease loss provision to assets | 0.0768% | 2,141 |
| Net operating income to assets | 1.5669% | 969 |
| Return on assets (ROA) | 1.5669% | 996 |
| Pretax return on assets | 1.5669% | 1,552 |
| Return on Equity (ROE) | 13.9726% | 978 |
| Retained earnings to average equity (ytd only) | 13.9726% | 354 |
| Net charge-offs to loans | 0.0120% | 2,260 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 478 |
| Efficiency ratio | 58.1486% | 4,057 |
| Assets per employee ($millions) | 4.1496% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,038 |
| Loan loss allowance to noncurrent loans | 79.2606% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 825 |
| Noncurrent loans to loans | 1.6545% | 943 |
| Net loans and leases to total assets | 83.9032% | 381 |
| Net loans and leases to deposits | 100.7631% | 575 |
| Net loans and leases to core deposits | 105.3410% | 1,217 |
| Total domestic deposits to total assets | 83.2678% | 3,294 |
| Equity capital to assets | 11.3366% | 2,534 |
| Core capital (leverage) ratio | 11.6998% | 1,982 |
| Tier 1 risk-based capital ratio | 16.0492% | 2,417 |
| Total risk-based capital ratio | 17.3030% | 2,360 |
| Memoranda: | ||
| Average total assets | $78,117,500 | 4,455 |
| Average earning assets | $72,430,500 | 4,443 |
| Average equity | $8,760,000 | 4,504 |
| Average total loans | $66,712,000 | 3,951 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,720 |
| Cost of funding earning assets | 0.7723% | 1,675 |
| Net interest margin | 3.9620% | 2,121 |
| Noninterest income to average assets | 0.2661% | 4,335 |
| Noninterest expense to average assets | 2.4179% | 3,837 |
| Loan and lease loss provision to assets | 0.0779% | 2,570 |
| Net operating income to assets | 1.4419% | 1,302 |
| Return on assets (ROA) | 1.4419% | 1,290 |
| Pretax return on assets | 1.4458% | 1,966 |
| Return on Equity (ROE) | 12.5912% | 1,514 |
| Retained earnings to average equity (ytd only) | 0.1247% | 4,949 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3434% | 3,647 |
| Assets per employee ($millions) | 4.0733% | 3,787 |
| Cash dividends to net income (ytd only)* | 99.0099% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,021 |
| Loan loss allowance to noncurrent loans | 370.0855% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,105 |
| Noncurrent loans to loans | 0.3524% | 3,282 |
| Net loans and leases to total assets | 84.6692% | 351 |
| Net loans and leases to deposits | 100.4507% | 707 |
| Net loans and leases to core deposits | 104.6071% | 1,369 |
| Total domestic deposits to total assets | 84.2893% | 2,911 |
| Equity capital to assets | 11.0889% | 2,603 |
| Core capital (leverage) ratio | 11.2650% | 2,291 |
| Tier 1 risk-based capital ratio | 15.7904% | 2,500 |
| Total risk-based capital ratio | 17.0436% | 2,417 |
| Memoranda: | ||
| Average total assets | $77,049,400 | 4,482 |
| Average earning assets | $71,478,800 | 4,469 |
| Average equity | $8,823,600 | 4,480 |
| Average total loans | $65,513,000 | 3,976 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,670 |
| Cost of funding earning assets | 0.7377% | 1,632 |
| Net interest margin | 3.9649% | 2,065 |
| Noninterest income to average assets | 0.2720% | 4,335 |
| Noninterest expense to average assets | 2.2885% | 4,127 |
| Loan and lease loss provision to assets | 0.0780% | 2,400 |
| Net operating income to assets | 1.5799% | 999 |
| Return on assets (ROA) | 1.5799% | 1,004 |
| Pretax return on assets | 1.5834% | 1,623 |
| Return on Equity (ROE) | 13.6872% | 1,207 |
| Retained earnings to average equity (ytd only) | 8.5244% | 1,407 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9386% | 4,138 |
| Assets per employee ($millions) | 4.1015% | 3,726 |
| Cash dividends to net income (ytd only)* | 37.7197% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,168 |
| Loan loss allowance to noncurrent loans | 341.7671% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,236 |
| Noncurrent loans to loans | 0.3760% | 3,302 |
| Net loans and leases to total assets | 83.8838% | 467 |
| Net loans and leases to deposits | 105.3082% | 470 |
| Net loans and leases to core deposits | 110.8081% | 988 |
| Total domestic deposits to total assets | 79.6556% | 4,182 |
| Equity capital to assets | 11.6839% | 2,118 |
| Core capital (leverage) ratio | 12.0336% | 1,767 |
| Tier 1 risk-based capital ratio | 16.7180% | 2,201 |
| Total risk-based capital ratio | 17.9708% | 2,145 |
| Memoranda: | ||
| Average total assets | $76,963,500 | 4,532 |
| Average earning assets | $71,391,500 | 4,513 |
| Average equity | $8,884,000 | 4,520 |
| Average total loans | $65,292,750 | 4,015 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 1,654 |
| Cost of funding earning assets | 0.7102% | 1,567 |
| Net interest margin | 3.9354% | 2,088 |
| Noninterest income to average assets | 0.2949% | 4,209 |
| Noninterest expense to average assets | 2.3094% | 4,123 |
| Loan and lease loss provision to assets | 0.0783% | 2,340 |
| Net operating income to assets | 1.5631% | 1,002 |
| Return on assets (ROA) | 1.5631% | 1,011 |
| Pretax return on assets | 1.5657% | 1,618 |
| Return on Equity (ROE) | 13.5977% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.8305% | 1,268 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4158% | 4,169 |
| Assets per employee ($millions) | 4.0692% | 3,785 |
| Cash dividends to net income (ytd only)* | 35.0584% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,299 |
| Loan loss allowance to noncurrent loans | 338.4615% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 3,298 |
| Noncurrent loans to loans | 0.3770% | 3,342 |
| Net loans and leases to total assets | 83.6679% | 498 |
| Net loans and leases to deposits | 102.1460% | 652 |
| Net loans and leases to core deposits | 106.4684% | 1,210 |
| Total domestic deposits to total assets | 81.9101% | 3,744 |
| Equity capital to assets | 11.5684% | 2,148 |
| Core capital (leverage) ratio | 11.8442% | 1,812 |
| Tier 1 risk-based capital ratio | 16.5117% | 2,255 |
| Total risk-based capital ratio | 17.7644% | 2,199 |
| Memoranda: | ||
| Average total assets | $76,642,000 | 4,577 |
| Average earning assets | $71,250,000 | 4,563 |
| Average equity | $8,810,330 | 4,560 |
| Average total loans | $64,983,670 | 4,046 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,680 |
| Cost of funding earning assets | 0.6586% | 1,669 |
| Net interest margin | 3.9063% | 2,025 |
| Noninterest income to average assets | 0.2569% | 4,459 |
| Noninterest expense to average assets | 2.2279% | 4,352 |
| Loan and lease loss provision to assets | 0.0786% | 2,202 |
| Net operating income to assets | 1.5831% | 890 |
| Return on assets (ROA) | 1.5831% | 896 |
| Pretax return on assets | 1.5883% | 1,420 |
| Return on Equity (ROE) | 13.8160% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.8160% | 419 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2005% | 4,443 |
| Assets per employee ($millions) | 3.9968% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,443 |
| Loan loss allowance to noncurrent loans | 91.4254% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 1,238 |
| Noncurrent loans to loans | 1.3813% | 1,293 |
| Net loans and leases to total assets | 84.5286% | 386 |
| Net loans and leases to deposits | 103.7833% | 486 |
| Net loans and leases to core deposits | 107.4614% | 1,155 |
| Total domestic deposits to total assets | 81.4472% | 4,107 |
| Equity capital to assets | 11.6658% | 2,017 |
| Core capital (leverage) ratio | 11.8920% | 1,718 |
| Tier 1 risk-based capital ratio | 16.3689% | 2,334 |
| Total risk-based capital ratio | 17.6226% | 2,273 |
| Memoranda: | ||
| Average total assets | $76,306,000 | 4,633 |
| Average earning assets | $71,064,000 | 4,615 |
| Average equity | $8,743,500 | 4,619 |
| Average total loans | $64,714,000 | 4,078 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 1,424 |
| Cost of funding earning assets | 0.6220% | 1,457 |
| Net interest margin | 3.9799% | 1,810 |
| Noninterest income to average assets | 0.2680% | 4,516 |
| Noninterest expense to average assets | 2.4917% | 3,811 |
| Loan and lease loss provision to assets | 0.0788% | 2,617 |
| Net operating income to assets | 1.3818% | 1,058 |
| Return on assets (ROA) | 1.3779% | 1,080 |
| Pretax return on assets | 1.3831% | 2,046 |
| Return on Equity (ROE) | 11.2988% | 1,395 |
| Retained earnings to average equity (ytd only) | -7.4966% | 5,493 |
| Net charge-offs to loans | 0.0207% | 3,419 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 85.8462% | 727 |
| Efficiency ratio | 62.9605% | 3,783 |
| Assets per employee ($millions) | 4.0354% | 3,907 |
| Cash dividends to net income (ytd only)* | 166.3489% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,463 |
| Loan loss allowance to noncurrent loans | 102.4142% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 1,430 |
| Noncurrent loans to loans | 1.2217% | 1,448 |
| Net loans and leases to total assets | 82.9638% | 569 |
| Net loans and leases to deposits | 97.8886% | 912 |
| Net loans and leases to core deposits | 100.3756% | 1,682 |
| Total domestic deposits to total assets | 84.7532% | 2,923 |
| Equity capital to assets | 11.2531% | 2,397 |
| Core capital (leverage) ratio | 11.3316% | 2,076 |
| Tier 1 risk-based capital ratio | 15.7647% | 2,525 |
| Total risk-based capital ratio | 17.0155% | 2,467 |
| Memoranda: | ||
| Average total assets | $76,133,000 | 4,670 |
| Average earning assets | $70,579,600 | 4,656 |
| Average equity | $9,284,200 | 4,565 |
| Average total loans | $62,945,800 | 4,129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,498 |
| Cost of funding earning assets | 0.6099% | 1,460 |
| Net interest margin | 3.9414% | 1,891 |
| Noninterest income to average assets | 0.2702% | 4,576 |
| Noninterest expense to average assets | 2.3667% | 4,099 |
| Loan and lease loss provision to assets | 0.0789% | 2,507 |
| Net operating income to assets | 1.4684% | 961 |
| Return on assets (ROA) | 1.4649% | 981 |
| Pretax return on assets | 1.4719% | 1,875 |
| Return on Equity (ROE) | 11.7832% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.7819% | 3,672 |
| Net charge-offs to loans | 0.0277% | 2,882 |
| Credit loss provision to net charge-offs | 346.1538% | 872 |
| Earnings coverage of net charge-offs (x) | 68.1650% | 911 |
| Efficiency ratio | 60.3579% | 4,151 |
| Assets per employee ($millions) | 3.8669% | 4,212 |
| Cash dividends to net income (ytd only)* | 67.9038% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,886 |
| Loan loss allowance to noncurrent loans | 104.2161% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 1,524 |
| Noncurrent loans to loans | 1.1595% | 1,655 |
| Net loans and leases to total assets | 83.6148% | 477 |
| Net loans and leases to deposits | 103.6862% | 515 |
| Net loans and leases to core deposits | 105.9838% | 1,273 |
| Total domestic deposits to total assets | 80.6421% | 4,159 |
| Equity capital to assets | 12.4816% | 1,667 |
| Core capital (leverage) ratio | 12.9809% | 1,215 |
| Tier 1 risk-based capital ratio | 17.3885% | 2,039 |
| Total risk-based capital ratio | 18.6402% | 1,992 |
| Memoranda: | ||
| Average total assets | $75,998,250 | 4,712 |
| Average earning assets | $70,396,250 | 4,707 |
| Average equity | $9,448,250 | 4,582 |
| Average total loans | $62,578,250 | 4,168 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,455 |
| Cost of funding earning assets | 0.5978% | 1,467 |
| Net interest margin | 3.9271% | 1,845 |
| Noninterest income to average assets | 0.2832% | 4,530 |
| Noninterest expense to average assets | 2.4010% | 4,048 |
| Loan and lease loss provision to assets | 0.0794% | 2,395 |
| Net operating income to assets | 1.4268% | 1,005 |
| Return on assets (ROA) | 1.4215% | 1,039 |
| Pretax return on assets | 1.4321% | 1,891 |
| Return on Equity (ROE) | 11.4499% | 1,476 |
| Retained earnings to average equity (ytd only) | 1.8977% | 4,491 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2838% | 4,122 |
| Assets per employee ($millions) | 3.9158% | 4,106 |
| Cash dividends to net income (ytd only)* | 83.4264% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,522 |
| Loan loss allowance to noncurrent loans | 314.3426% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,465 |
| Noncurrent loans to loans | 0.4066% | 3,567 |
| Net loans and leases to total assets | 81.9183% | 677 |
| Net loans and leases to deposits | 100.4996% | 702 |
| Net loans and leases to core deposits | 101.8482% | 1,523 |
| Total domestic deposits to total assets | 81.5110% | 4,041 |
| Equity capital to assets | 12.7337% | 1,507 |
| Core capital (leverage) ratio | 12.8908% | 1,219 |
| Tier 1 risk-based capital ratio | 17.9857% | 1,858 |
| Total risk-based capital ratio | 19.2369% | 1,817 |
| Memoranda: | ||
| Average total assets | $75,551,670 | 4,752 |
| Average earning assets | $69,924,670 | 4,749 |
| Average equity | $9,380,000 | 4,613 |
| Average total loans | $61,618,670 | 4,218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,486 |
| Cost of funding earning assets | 0.5667% | 1,610 |
| Net interest margin | 3.8875% | 1,827 |
| Noninterest income to average assets | 0.2837% | 4,517 |
| Noninterest expense to average assets | 2.3382% | 4,298 |
| Loan and lease loss provision to assets | 0.0788% | 2,238 |
| Net operating income to assets | 1.4607% | 874 |
| Return on assets (ROA) | 1.4607% | 900 |
| Pretax return on assets | 1.4712% | 1,633 |
| Return on Equity (ROE) | 11.9147% | 1,264 |
| Retained earnings to average equity (ytd only) | 2.9144% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1351% | 4,434 |
| Assets per employee ($millions) | 3.8074% | 4,335 |
| Cash dividends to net income (ytd only)* | 75.5396% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,739 |
| Loan loss allowance to noncurrent loans | 288.8060% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,673 |
| Noncurrent loans to loans | 0.4374% | 3,526 |
| Net loans and leases to total assets | 79.4440% | 910 |
| Net loans and leases to deposits | 96.4986% | 897 |
| Net loans and leases to core deposits | 97.7444% | 1,677 |
| Total domestic deposits to total assets | 82.3265% | 4,079 |
| Equity capital to assets | 12.3194% | 1,649 |
| Core capital (leverage) ratio | 12.5135% | 1,335 |
| Tier 1 risk-based capital ratio | 18.2925% | 1,782 |
| Total risk-based capital ratio | 19.5448% | 1,747 |
| Memoranda: | ||
| Average total assets | $76,127,000 | 4,791 |
| Average earning assets | $70,586,000 | 4,775 |
| Average equity | $9,333,000 | 4,654 |
| Average total loans | $61,559,500 | 4,256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,520 |
| Cost of funding earning assets | 0.5879% | 1,429 |
| Net interest margin | 3.9182% | 1,911 |
| Noninterest income to average assets | 0.3056% | 4,554 |
| Noninterest expense to average assets | 2.5014% | 4,002 |
| Loan and lease loss provision to assets | 0.0808% | 2,743 |
| Net operating income to assets | 1.3396% | 1,121 |
| Return on assets (ROA) | 1.3409% | 1,172 |
| Pretax return on assets | 1.3409% | 2,136 |
| Return on Equity (ROE) | 10.3813% | 1,809 |
| Retained earnings to average equity (ytd only) | 0.1042% | 5,271 |
| Net charge-offs to loans | -0.0034% | 4,757 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7830% | 3,978 |
| Assets per employee ($millions) | 3.8053% | 4,300 |
| Cash dividends to net income (ytd only)* | 98.9960% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,956 |
| Loan loss allowance to noncurrent loans | 364.9038% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 3,958 |
| Noncurrent loans to loans | 0.3363% | 3,934 |
| Net loans and leases to total assets | 80.2709% | 861 |
| Net loans and leases to deposits | 98.4338% | 784 |
| Net loans and leases to core deposits | 99.7127% | 1,645 |
| Total domestic deposits to total assets | 81.5481% | 4,195 |
| Equity capital to assets | 12.2001% | 1,684 |
| Core capital (leverage) ratio | 12.7446% | 1,235 |
| Tier 1 risk-based capital ratio | 17.7388% | 1,929 |
| Total risk-based capital ratio | 18.9900% | 1,889 |
| Memoranda: | ||
| Average total assets | $74,278,400 | 4,845 |
| Average earning assets | $68,552,600 | 4,836 |
| Average equity | $9,594,200 | 4,649 |
| Average total loans | $58,836,000 | 4,336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,495 |
| Cost of funding earning assets | 0.5932% | 1,385 |
| Net interest margin | 3.9191% | 1,910 |
| Noninterest income to average assets | 0.2962% | 4,644 |
| Noninterest expense to average assets | 2.4112% | 4,256 |
| Loan and lease loss provision to assets | 0.0813% | 2,582 |
| Net operating income to assets | 1.4196% | 1,028 |
| Return on assets (ROA) | 1.4214% | 1,078 |
| Pretax return on assets | 1.4214% | 1,962 |
| Return on Equity (ROE) | 10.8495% | 1,729 |
| Retained earnings to average equity (ytd only) | 6.0244% | 2,173 |
| Net charge-offs to loans | -0.0046% | 4,602 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6343% | 4,291 |
| Assets per employee ($millions) | 3.5319% | 4,737 |
| Cash dividends to net income (ytd only)* | 44.4730% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,962 |
| Loan loss allowance to noncurrent loans | 185.5362% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 3,103 |
| Noncurrent loans to loans | 0.6734% | 3,007 |
| Net loans and leases to total assets | 79.2865% | 995 |
| Net loans and leases to deposits | 97.8942% | 863 |
| Net loans and leases to core deposits | 99.2038% | 1,710 |
| Total domestic deposits to total assets | 80.9921% | 4,247 |
| Equity capital to assets | 13.3007% | 1,345 |
| Core capital (leverage) ratio | 13.4558% | 1,016 |
| Tier 1 risk-based capital ratio | 19.3807% | 1,578 |
| Total risk-based capital ratio | 20.6318% | 1,536 |
| Memoranda: | ||
| Average total assets | $73,821,500 | 4,891 |
| Average earning assets | $68,108,500 | 4,884 |
| Average equity | $9,671,500 | 4,684 |
| Average total loans | $58,082,500 | 4,383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 1,710 |
| Cost of funding earning assets | 0.5811% | 1,464 |
| Net interest margin | 3.8591% | 2,111 |
| Noninterest income to average assets | 0.2795% | 4,784 |
| Noninterest expense to average assets | 2.4096% | 4,308 |
| Loan and lease loss provision to assets | 0.0814% | 2,509 |
| Net operating income to assets | 1.3567% | 1,147 |
| Return on assets (ROA) | 1.3540% | 1,227 |
| Pretax return on assets | 1.3540% | 2,194 |
| Return on Equity (ROE) | 10.3883% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.0164% | 2,110 |
| Net charge-offs to loans | -0.0069% | 4,606 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6234% | 4,246 |
| Assets per employee ($millions) | 3.8595% | 4,153 |
| Cash dividends to net income (ytd only)* | 42.0842% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 3,113 |
| Loan loss allowance to noncurrent loans | 837.9310% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,822 |
| Noncurrent loans to loans | 0.1484% | 4,840 |
| Net loans and leases to total assets | 78.9295% | 1,072 |
| Net loans and leases to deposits | 95.4422% | 1,140 |
| Net loans and leases to core deposits | 96.7003% | 1,915 |
| Total domestic deposits to total assets | 82.6988% | 3,762 |
| Equity capital to assets | 13.2633% | 1,346 |
| Core capital (leverage) ratio | 13.3329% | 1,045 |
| Tier 1 risk-based capital ratio | 19.3151% | 1,623 |
| Total risk-based capital ratio | 20.5671% | 1,583 |
| Memoranda: | ||
| Average total assets | $73,705,670 | 4,940 |
| Average earning assets | $68,151,000 | 4,932 |
| Average equity | $9,607,000 | 4,724 |
| Average total loans | $57,593,330 | 4,418 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 1,887 |
| Cost of funding earning assets | 0.5837% | 1,455 |
| Net interest margin | 3.7884% | 2,333 |
| Noninterest income to average assets | 0.2544% | 4,923 |
| Noninterest expense to average assets | 2.1923% | 4,918 |
| Loan and lease loss provision to assets | 0.0812% | 2,335 |
| Net operating income to assets | 1.4940% | 867 |
| Return on assets (ROA) | 1.4940% | 909 |
| Pretax return on assets | 1.4940% | 1,616 |
| Return on Equity (ROE) | 11.5632% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.5632% | 565 |
| Net charge-offs to loans | 0.0280% | 2,378 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 675 |
| Efficiency ratio | 58.1897% | 4,972 |
| Assets per employee ($millions) | 4.0624% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 3,287 |
| Loan loss allowance to noncurrent loans | 1,056.7164% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 5,001 |
| Noncurrent loans to loans | 0.1167% | 5,012 |
| Net loans and leases to total assets | 77.5204% | 1,162 |
| Net loans and leases to deposits | 92.4158% | 1,294 |
| Net loans and leases to core deposits | 93.8510% | 2,002 |
| Total domestic deposits to total assets | 83.8822% | 3,565 |
| Equity capital to assets | 13.2583% | 1,288 |
| Core capital (leverage) ratio | 13.1628% | 1,098 |
| Tier 1 risk-based capital ratio | 19.7730% | 1,552 |
| Total risk-based capital ratio | 21.0239% | 1,520 |
| Memoranda: | ||
| Average total assets | $73,893,500 | 4,979 |
| Average earning assets | $68,525,000 | 4,966 |
| Average equity | $9,547,500 | 4,752 |
| Average total loans | $57,086,000 | 4,469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,263 |
| Cost of funding earning assets | 0.5432% | 1,823 |
| Net interest margin | 4.0846% | 1,448 |
| Noninterest income to average assets | 0.2235% | 5,263 |
| Noninterest expense to average assets | 2.5043% | 4,212 |
| Loan and lease loss provision to assets | 0.0833% | 2,627 |
| Net operating income to assets | 1.4354% | 970 |
| Return on assets (ROA) | 1.4354% | 1,001 |
| Pretax return on assets | 1.4354% | 1,768 |
| Return on Equity (ROE) | 10.7070% | 1,724 |
| Retained earnings to average equity (ytd only) | -3.4275% | 5,844 |
| Net charge-offs to loans | 0.5236% | 488 |
| Credit loss provision to net charge-offs | 20.2703% | 3,746 |
| Earnings coverage of net charge-offs (x) | 3.6959% | 3,677 |
| Efficiency ratio | 62.2498% | 4,561 |
| Assets per employee ($millions) | 4.3919% | 3,230 |
| Cash dividends to net income (ytd only)* | 132.0116% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 3,306 |
| Loan loss allowance to noncurrent loans | 749.4624% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 4,902 |
| Noncurrent loans to loans | 0.1638% | 4,835 |
| Net loans and leases to total assets | 75.1122% | 1,550 |
| Net loans and leases to deposits | 88.7540% | 1,779 |
| Net loans and leases to core deposits | 90.0871% | 2,396 |
| Total domestic deposits to total assets | 84.6296% | 3,243 |
| Equity capital to assets | 12.5899% | 1,575 |
| Core capital (leverage) ratio | 12.7766% | 1,233 |
| Tier 1 risk-based capital ratio | 19.5419% | 1,577 |
| Total risk-based capital ratio | 20.7937% | 1,544 |
| Memoranda: | ||
| Average total assets | $72,037,200 | 5,043 |
| Average earning assets | $67,007,400 | 5,017 |
| Average equity | $9,657,200 | 4,719 |
| Average total loans | $56,526,400 | 4,483 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 1,594 |
| Cost of funding earning assets | 0.5355% | 1,926 |
| Net interest margin | 3.9650% | 1,825 |
| Noninterest income to average assets | 0.2129% | 5,375 |
| Noninterest expense to average assets | 2.5160% | 4,141 |
| Loan and lease loss provision to assets | 0.0841% | 2,492 |
| Net operating income to assets | 1.3056% | 1,325 |
| Return on assets (ROA) | 1.3056% | 1,376 |
| Pretax return on assets | 1.3056% | 2,376 |
| Return on Equity (ROE) | 9.5868% | 2,277 |
| Retained earnings to average equity (ytd only) | 2.1121% | 4,826 |
| Net charge-offs to loans | 0.6942% | 308 |
| Credit loss provision to net charge-offs | 15.3061% | 3,399 |
| Earnings coverage of net charge-offs (x) | 2.5306% | 3,656 |
| Efficiency ratio | 64.4189% | 4,168 |
| Assets per employee ($millions) | 4.2808% | 3,355 |
| Cash dividends to net income (ytd only)* | 77.9684% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 3,803 |
| Loan loss allowance to noncurrent loans | 116.9231% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,742 |
| Noncurrent loans to loans | 1.0022% | 2,478 |
| Net loans and leases to total assets | 79.2673% | 913 |
| Net loans and leases to deposits | 96.7367% | 933 |
| Net loans and leases to core deposits | 98.2726% | 1,671 |
| Total domestic deposits to total assets | 81.9414% | 4,181 |
| Equity capital to assets | 13.5996% | 1,180 |
| Core capital (leverage) ratio | 13.7605% | 923 |
| Tier 1 risk-based capital ratio | 20.1363% | 1,507 |
| Total risk-based capital ratio | 21.3874% | 1,483 |
| Memoranda: | ||
| Average total assets | $71,380,750 | 5,119 |
| Average earning assets | $66,479,500 | 5,090 |
| Average equity | $9,721,500 | 4,764 |
| Average total loans | $56,463,500 | 4,530 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 1,645 |
| Cost of funding earning assets | 0.5218% | 2,055 |
| Net interest margin | 3.9419% | 1,850 |
| Noninterest income to average assets | 0.1805% | 5,613 |
| Noninterest expense to average assets | 2.4451% | 4,411 |
| Loan and lease loss provision to assets | 0.0846% | 2,426 |
| Net operating income to assets | 1.3368% | 1,224 |
| Return on assets (ROA) | 1.3368% | 1,269 |
| Pretax return on assets | 1.3368% | 2,221 |
| Return on Equity (ROE) | 9.8106% | 2,154 |
| Retained earnings to average equity (ytd only) | -1.4695% | 5,766 |
| Net charge-offs to loans | -0.0251% | 5,250 |
| Credit loss provision to net charge-offs | -428.5714% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2385% | 4,476 |
| Assets per employee ($millions) | 3.8273% | 4,210 |
| Cash dividends to net income (ytd only)* | 114.9789% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 1,623 |
| Loan loss allowance to noncurrent loans | 119.0184% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1730% | 2,163 |
| Noncurrent loans to loans | 1.4208% | 1,887 |
| Net loans and leases to total assets | 77.5506% | 1,130 |
| Net loans and leases to deposits | 94.1689% | 1,134 |
| Net loans and leases to core deposits | 95.2473% | 1,860 |
| Total domestic deposits to total assets | 82.3526% | 4,170 |
| Equity capital to assets | 13.2565% | 1,273 |
| Core capital (leverage) ratio | 13.9588% | 850 |
| Tier 1 risk-based capital ratio | 19.8211% | 1,593 |
| Total risk-based capital ratio | 21.0793% | 1,549 |
| Memoranda: | ||
| Average total assets | $70,916,330 | 5,186 |
| Average earning assets | $66,314,000 | 5,146 |
| Average equity | $9,663,000 | 4,807 |
| Average total loans | $55,828,000 | 4,590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,459 |
| Cost of funding earning assets | 0.5309% | 2,008 |
| Net interest margin | 3.9693% | 1,655 |
| Noninterest income to average assets | 0.2114% | 5,441 |
| Noninterest expense to average assets | 2.4738% | 4,352 |
| Loan and lease loss provision to assets | 0.0857% | 2,263 |
| Net operating income to assets | 1.4111% | 1,014 |
| Return on assets (ROA) | 1.4111% | 1,070 |
| Pretax return on assets | 1.4111% | 1,853 |
| Return on Equity (ROE) | 10.1323% | 1,942 |
| Retained earnings to average equity (ytd only) | -9.8862% | 6,132 |
| Net charge-offs to loans | -0.0581% | 5,598 |
| Credit loss provision to net charge-offs | -187.5000% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3022% | 4,751 |
| Assets per employee ($millions) | 3.6741% | 4,569 |
| Cash dividends to net income (ytd only)* | 197.5709% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 1,629 |
| Loan loss allowance to noncurrent loans | 44.4238% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.2332% | 547 |
| Noncurrent loans to loans | 3.9224% | 450 |
| Net loans and leases to total assets | 77.2247% | 1,027 |
| Net loans and leases to deposits | 89.7048% | 1,421 |
| Net loans and leases to core deposits | 90.7253% | 2,062 |
| Total domestic deposits to total assets | 86.0876% | 2,897 |
| Equity capital to assets | 13.8193% | 1,048 |
| Core capital (leverage) ratio | 13.8919% | 857 |
| Tier 1 risk-based capital ratio | 21.4719% | 1,333 |
| Total risk-based capital ratio | 22.7324% | 1,302 |
| Memoranda: | ||
| Average total assets | $70,015,000 | 5,256 |
| Average earning assets | $66,308,500 | 5,190 |
| Average equity | $9,751,000 | 4,834 |
| Average total loans | $55,060,000 | 4,641 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 1,851 |
| Cost of funding earning assets | 0.6093% | 1,684 |
| Net interest margin | 3.8934% | 2,267 |
| Noninterest income to average assets | 0.2226% | 5,533 |
| Noninterest expense to average assets | 2.5818% | 4,288 |
| Loan and lease loss provision to assets | 0.0879% | 2,712 |
| Net operating income to assets | 1.2008% | 1,584 |
| Return on assets (ROA) | 1.2008% | 1,641 |
| Pretax return on assets | 1.2023% | 2,642 |
| Return on Equity (ROE) | 8.6144% | 2,780 |
| Retained earnings to average equity (ytd only) | 1.6073% | 5,018 |
| Net charge-offs to loans | 0.0095% | 4,720 |
| Credit loss provision to net charge-offs | 1,200.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 305 |
| Efficiency ratio | 66.6793% | 4,116 |
| Assets per employee ($millions) | 3.6959% | 4,534 |
| Cash dividends to net income (ytd only)* | 81.3415% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 1,804 |
| Loan loss allowance to noncurrent loans | 40.2676% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 3.4491% | 539 |
| Noncurrent loans to loans | 4.1933% | 418 |
| Net loans and leases to total assets | 77.3575% | 1,092 |
| Net loans and leases to deposits | 90.0638% | 1,515 |
| Net loans and leases to core deposits | 90.4763% | 2,233 |
| Total domestic deposits to total assets | 85.8919% | 2,900 |
| Equity capital to assets | 14.0341% | 939 |
| Core capital (leverage) ratio | 14.1630% | 773 |
| Tier 1 risk-based capital ratio | 21.8311% | 1,249 |
| Total risk-based capital ratio | 23.0910% | 1,224 |
| Memoranda: | ||
| Average total assets | $68,285,000 | 5,338 |
| Average earning assets | $64,005,400 | 5,277 |
| Average equity | $9,519,000 | 4,860 |
| Average total loans | $52,770,800 | 4,733 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,795 |
| Cost of funding earning assets | 0.6335% | 1,572 |
| Net interest margin | 3.8871% | 2,294 |
| Noninterest income to average assets | 0.2202% | 5,615 |
| Noninterest expense to average assets | 2.5151% | 4,480 |
| Loan and lease loss provision to assets | 0.0885% | 2,586 |
| Net operating income to assets | 1.2468% | 1,535 |
| Return on assets (ROA) | 1.2468% | 1,589 |
| Pretax return on assets | 1.2487% | 2,579 |
| Return on Equity (ROE) | 8.9593% | 2,711 |
| Retained earnings to average equity (ytd only) | 0.7348% | 5,583 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2884% | 4,325 |
| Assets per employee ($millions) | 3.4027% | 5,042 |
| Cash dividends to net income (ytd only)* | 91.7983% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 1,857 |
| Loan loss allowance to noncurrent loans | 42.9502% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 3.3121% | 664 |
| Noncurrent loans to loans | 4.0488% | 515 |
| Net loans and leases to total assets | 76.6388% | 1,144 |
| Net loans and leases to deposits | 91.8384% | 1,246 |
| Net loans and leases to core deposits | 92.7794% | 1,973 |
| Total domestic deposits to total assets | 83.4497% | 3,972 |
| Equity capital to assets | 13.9759% | 1,015 |
| Core capital (leverage) ratio | 14.3996% | 748 |
| Tier 1 risk-based capital ratio | 22.6220% | 1,171 |
| Total risk-based capital ratio | 23.8835% | 1,151 |
| Memoranda: | ||
| Average total assets | $67,800,750 | 5,408 |
| Average earning assets | $63,352,750 | 5,358 |
| Average equity | $9,435,000 | 4,910 |
| Average total loans | $52,149,750 | 4,788 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,810 |
| Cost of funding earning assets | 0.6432% | 1,566 |
| Net interest margin | 3.8623% | 2,318 |
| Noninterest income to average assets | 0.2245% | 5,598 |
| Noninterest expense to average assets | 2.4957% | 4,587 |
| Loan and lease loss provision to assets | 0.0886% | 2,551 |
| Net operating income to assets | 1.2375% | 1,486 |
| Return on assets (ROA) | 1.2375% | 1,548 |
| Pretax return on assets | 1.2405% | 2,498 |
| Return on Equity (ROE) | 8.9057% | 2,635 |
| Retained earnings to average equity (ytd only) | -1.4666% | 5,925 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2510% | 4,477 |
| Assets per employee ($millions) | 3.6148% | 4,627 |
| Cash dividends to net income (ytd only)* | 116.4678% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 2,041 |
| Loan loss allowance to noncurrent loans | 40.3735% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.4318% | 689 |
| Noncurrent loans to loans | 4.2803% | 526 |
| Net loans and leases to total assets | 75.1798% | 1,282 |
| Net loans and leases to deposits | 89.0581% | 1,473 |
| Net loans and leases to core deposits | 89.9486% | 2,132 |
| Total domestic deposits to total assets | 84.4166% | 3,763 |
| Equity capital to assets | 13.6688% | 1,096 |
| Core capital (leverage) ratio | 14.3406% | 745 |
| Tier 1 risk-based capital ratio | 22.2748% | 1,221 |
| Total risk-based capital ratio | 23.5347% | 1,201 |
| Memoranda: | ||
| Average total assets | $67,716,670 | 5,456 |
| Average earning assets | $63,123,330 | 5,416 |
| Average equity | $9,409,670 | 4,932 |
| Average total loans | $51,840,330 | 4,833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,451 |
| Cost of funding earning assets | 0.6638% | 1,486 |
| Net interest margin | 3.9575% | 1,900 |
| Noninterest income to average assets | 0.2380% | 5,457 |
| Noninterest expense to average assets | 2.5404% | 4,474 |
| Loan and lease loss provision to assets | 0.0892% | 2,427 |
| Net operating income to assets | 1.2910% | 1,241 |
| Return on assets (ROA) | 1.2910% | 1,287 |
| Pretax return on assets | 1.2970% | 2,106 |
| Return on Equity (ROE) | 9.2139% | 2,369 |
| Retained earnings to average equity (ytd only) | -7.1334% | 6,251 |
| Net charge-offs to loans | 0.0078% | 3,483 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 214 |
| Efficiency ratio | 64.6970% | 4,747 |
| Assets per employee ($millions) | 3.5222% | 4,878 |
| Cash dividends to net income (ytd only)* | 177.4194% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,220 |
| Loan loss allowance to noncurrent loans | 82.0607% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7857% | 1,968 |
| Noncurrent loans to loans | 2.1208% | 1,733 |
| Net loans and leases to total assets | 75.2563% | 1,095 |
| Net loans and leases to deposits | 89.6187% | 1,195 |
| Net loans and leases to core deposits | 90.5402% | 1,869 |
| Total domestic deposits to total assets | 83.9739% | 4,286 |
| Equity capital to assets | 14.0357% | 909 |
| Core capital (leverage) ratio | 14.1937% | 759 |
| Tier 1 risk-based capital ratio | 22.5215% | 1,207 |
| Total risk-based capital ratio | 23.7827% | 1,183 |
| Memoranda: | ||
| Average total assets | $67,234,000 | 5,523 |
| Average earning assets | $62,665,500 | 5,484 |
| Average equity | $9,420,500 | 4,954 |
| Average total loans | $51,489,000 | 4,883 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 1,413 |
| Cost of funding earning assets | 0.7347% | 1,599 |
| Net interest margin | 4.0243% | 1,883 |
| Noninterest income to average assets | 0.2778% | 5,366 |
| Noninterest expense to average assets | 2.5021% | 4,758 |
| Loan and lease loss provision to assets | 0.0873% | 3,359 |
| Net operating income to assets | 1.4329% | 958 |
| Return on assets (ROA) | 1.4329% | 992 |
| Pretax return on assets | 1.4416% | 1,648 |
| Return on Equity (ROE) | 10.4774% | 1,930 |
| Retained earnings to average equity (ytd only) | 2.9358% | 4,151 |
| Net charge-offs to loans | 0.0153% | 5,137 |
| Credit loss provision to net charge-offs | 750.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 131.3750% | 352 |
| Efficiency ratio | 62.0715% | 5,198 |
| Assets per employee ($millions) | 3.3773% | 5,141 |
| Cash dividends to net income (ytd only)* | 71.9797% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 2,410 |
| Loan loss allowance to noncurrent loans | 86.0784% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 2,211 |
| Noncurrent loans to loans | 1.9720% | 2,023 |
| Net loans and leases to total assets | 75.2746% | 1,191 |
| Net loans and leases to deposits | 89.7434% | 1,258 |
| Net loans and leases to core deposits | 90.6554% | 1,943 |
| Total domestic deposits to total assets | 83.8777% | 4,211 |
| Equity capital to assets | 13.9875% | 901 |
| Core capital (leverage) ratio | 14.4006% | 715 |
| Tier 1 risk-based capital ratio | 22.6619% | 1,151 |
| Total risk-based capital ratio | 23.9208% | 1,129 |
| Memoranda: | ||
| Average total assets | $68,742,800 | 5,515 |
| Average earning assets | $64,111,200 | 5,462 |
| Average equity | $9,401,200 | 5,001 |
| Average total loans | $52,119,600 | 4,885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 1,466 |
| Cost of funding earning assets | 0.7555% | 1,567 |
| Net interest margin | 3.9988% | 1,947 |
| Noninterest income to average assets | 0.3013% | 5,290 |
| Noninterest expense to average assets | 2.4661% | 4,817 |
| Loan and lease loss provision to assets | 0.0869% | 3,320 |
| Net operating income to assets | 1.4715% | 947 |
| Return on assets (ROA) | 1.4715% | 998 |
| Pretax return on assets | 1.4792% | 1,670 |
| Return on Equity (ROE) | 10.8203% | 1,884 |
| Retained earnings to average equity (ytd only) | 2.0874% | 5,076 |
| Net charge-offs to loans | -0.0077% | 5,841 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1590% | 5,249 |
| Assets per employee ($millions) | 3.2269% | 5,440 |
| Cash dividends to net income (ytd only)* | 80.7091% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 2,683 |
| Loan loss allowance to noncurrent loans | 86.5347% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 2,495 |
| Noncurrent loans to loans | 1.9439% | 2,313 |
| Net loans and leases to total assets | 75.3852% | 1,082 |
| Net loans and leases to deposits | 91.2671% | 1,039 |
| Net loans and leases to core deposits | 92.2027% | 1,754 |
| Total domestic deposits to total assets | 82.5984% | 4,718 |
| Equity capital to assets | 13.8422% | 1,007 |
| Core capital (leverage) ratio | 14.1036% | 845 |
| Tier 1 risk-based capital ratio | 21.9880% | 1,320 |
| Total risk-based capital ratio | 23.2461% | 1,305 |
| Memoranda: | ||
| Average total assets | $69,042,000 | 5,565 |
| Average earning assets | $64,418,250 | 5,513 |
| Average equity | $9,389,500 | 5,059 |
| Average total loans | $52,218,750 | 4,915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 1,462 |
| Cost of funding earning assets | 0.7598% | 1,647 |
| Net interest margin | 3.9814% | 1,928 |
| Noninterest income to average assets | 0.3196% | 5,150 |
| Noninterest expense to average assets | 2.4069% | 5,035 |
| Loan and lease loss provision to assets | 0.0864% | 3,352 |
| Net operating income to assets | 1.5288% | 855 |
| Return on assets (ROA) | 1.5288% | 922 |
| Pretax return on assets | 1.5374% | 1,519 |
| Return on Equity (ROE) | 11.3067% | 1,719 |
| Retained earnings to average equity (ytd only) | 0.7666% | 5,595 |
| Net charge-offs to loans | -0.0038% | 5,591 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7143% | 5,520 |
| Assets per employee ($millions) | 3.2964% | 5,270 |
| Cash dividends to net income (ytd only)* | 93.2203% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 2,924 |
| Loan loss allowance to noncurrent loans | 85.5289% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 2,710 |
| Noncurrent loans to loans | 1.9458% | 2,459 |
| Net loans and leases to total assets | 73.1509% | 1,382 |
| Net loans and leases to deposits | 88.2533% | 1,310 |
| Net loans and leases to core deposits | 89.1075% | 1,997 |
| Total domestic deposits to total assets | 82.8874% | 4,745 |
| Equity capital to assets | 13.3595% | 1,196 |
| Core capital (leverage) ratio | 13.7211% | 907 |
| Tier 1 risk-based capital ratio | 20.9310% | 1,507 |
| Total risk-based capital ratio | 22.1886% | 1,482 |
| Memoranda: | ||
| Average total assets | $69,468,000 | 5,587 |
| Average earning assets | $64,750,670 | 5,537 |
| Average equity | $9,392,670 | 5,085 |
| Average total loans | $52,305,670 | 4,940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 1,398 |
| Cost of funding earning assets | 0.7643% | 1,754 |
| Net interest margin | 3.9880% | 1,836 |
| Noninterest income to average assets | 0.3276% | 5,086 |
| Noninterest expense to average assets | 2.5004% | 4,751 |
| Loan and lease loss provision to assets | 0.0862% | 3,222 |
| Net operating income to assets | 1.4542% | 950 |
| Return on assets (ROA) | 1.4542% | 1,027 |
| Pretax return on assets | 1.4600% | 1,682 |
| Return on Equity (ROE) | 10.6920% | 1,798 |
| Retained earnings to average equity (ytd only) | 0.1268% | 5,739 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7898% | 5,334 |
| Assets per employee ($millions) | 3.4545% | 5,076 |
| Cash dividends to net income (ytd only)* | 98.8142% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 3,333 |
| Loan loss allowance to noncurrent loans | 83.9321% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 2,853 |
| Noncurrent loans to loans | 1.9252% | 2,707 |
| Net loans and leases to total assets | 74.1160% | 1,060 |
| Net loans and leases to deposits | 89.7501% | 993 |
| Net loans and leases to core deposits | 90.6237% | 1,648 |
| Total domestic deposits to total assets | 82.5804% | 4,997 |
| Equity capital to assets | 13.6954% | 1,137 |
| Core capital (leverage) ratio | 13.6907% | 877 |
| Tier 1 risk-based capital ratio | 20.8258% | 1,577 |
| Total risk-based capital ratio | 22.0839% | 1,548 |
| Memoranda: | ||
| Average total assets | $69,590,000 | 5,640 |
| Average earning assets | $64,894,500 | 5,584 |
| Average equity | $9,465,000 | 5,119 |
| Average total loans | $52,711,000 | 4,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 1,166 |
| Cost of funding earning assets | 1.1206% | 842 |
| Net interest margin | 4.0525% | 2,185 |
| Noninterest income to average assets | 0.3856% | 4,719 |
| Noninterest expense to average assets | 2.3778% | 5,477 |
| Loan and lease loss provision to assets | 0.0857% | 4,631 |
| Net operating income to assets | 1.6737% | 650 |
| Return on assets (ROA) | 1.6737% | 729 |
| Pretax return on assets | 1.6766% | 1,193 |
| Return on Equity (ROE) | 12.7176% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.1218% | 2,620 |
| Net charge-offs to loans | -0.0018% | 6,325 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4336% | 5,905 |
| Assets per employee ($millions) | 3.5046% | 4,995 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 3,534 |
| Loan loss allowance to noncurrent loans | 75.0909% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 3,033 |
| Noncurrent loans to loans | 2.0609% | 2,626 |
| Net loans and leases to total assets | 74.9725% | 1,054 |
| Net loans and leases to deposits | 90.5299% | 1,024 |
| Net loans and leases to core deposits | 90.9215% | 1,728 |
| Total domestic deposits to total assets | 82.8152% | 4,793 |
| Equity capital to assets | 13.5082% | 1,225 |
| Core capital (leverage) ratio | 13.6894% | 888 |
| Tier 1 risk-based capital ratio | 20.1750% | 1,634 |
| Total risk-based capital ratio | 21.4322% | 1,609 |
| Memoranda: | ||
| Average total assets | $70,024,000 | 5,629 |
| Average earning assets | $64,873,800 | 5,588 |
| Average equity | $9,215,600 | 5,167 |
| Average total loans | $54,222,800 | 4,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 1,132 |
| Cost of funding earning assets | 1.1992% | 693 |
| Net interest margin | 4.0349% | 2,360 |
| Noninterest income to average assets | 0.3028% | 5,362 |
| Noninterest expense to average assets | 2.5159% | 5,030 |
| Loan and lease loss provision to assets | 0.0857% | 4,532 |
| Net operating income to assets | 1.4417% | 1,140 |
| Return on assets (ROA) | 1.4417% | 1,262 |
| Pretax return on assets | 1.4436% | 2,099 |
| Return on Equity (ROE) | 11.0277% | 1,949 |
| Retained earnings to average equity (ytd only) | 3.3797% | 4,490 |
| Net charge-offs to loans | 0.0196% | 5,395 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 100.3411% | 424 |
| Efficiency ratio | 62.1940% | 5,123 |
| Assets per employee ($millions) | 3.3148% | 5,409 |
| Cash dividends to net income (ytd only)* | 69.3523% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 4,008 |
| Loan loss allowance to noncurrent loans | 86.3294% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.4666% | 2,143 |
| Noncurrent loans to loans | 1.7231% | 3,206 |
| Net loans and leases to total assets | 76.3008% | 923 |
| Net loans and leases to deposits | 92.0056% | 970 |
| Net loans and leases to core deposits | 94.7533% | 1,510 |
| Total domestic deposits to total assets | 82.9306% | 4,665 |
| Equity capital to assets | 13.2869% | 1,449 |
| Core capital (leverage) ratio | 13.2211% | 1,099 |
| Tier 1 risk-based capital ratio | 18.9340% | 2,032 |
| Total risk-based capital ratio | 20.1893% | 1,996 |
| Memoranda: | ||
| Average total assets | $70,007,250 | 5,700 |
| Average earning assets | $64,932,250 | 5,642 |
| Average equity | $9,152,500 | 5,230 |
| Average total loans | $54,434,750 | 4,975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 1,095 |
| Cost of funding earning assets | 1.2317% | 708 |
| Net interest margin | 4.0463% | 2,311 |
| Noninterest income to average assets | 0.2538% | 5,765 |
| Noninterest expense to average assets | 2.5321% | 5,027 |
| Loan and lease loss provision to assets | 0.0855% | 4,516 |
| Net operating income to assets | 1.3801% | 1,233 |
| Return on assets (ROA) | 1.3801% | 1,384 |
| Pretax return on assets | 1.3830% | 2,268 |
| Return on Equity (ROE) | 10.6137% | 2,127 |
| Retained earnings to average equity (ytd only) | 1.7324% | 5,328 |
| Net charge-offs to loans | 0.0220% | 5,093 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 85.8333% | 479 |
| Efficiency ratio | 63.2929% | 5,029 |
| Assets per employee ($millions) | 3.6745% | 4,579 |
| Cash dividends to net income (ytd only)* | 83.6777% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 4,374 |
| Loan loss allowance to noncurrent loans | 95.5206% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 2.3261% | 2,402 |
| Noncurrent loans to loans | 1.4891% | 3,673 |
| Net loans and leases to total assets | 78.3213% | 689 |
| Net loans and leases to deposits | 96.1812% | 620 |
| Net loans and leases to core deposits | 99.0777% | 1,166 |
| Total domestic deposits to total assets | 81.4309% | 5,319 |
| Equity capital to assets | 13.0201% | 1,508 |
| Core capital (leverage) ratio | 13.0174% | 1,145 |
| Tier 1 risk-based capital ratio | 18.2461% | 2,212 |
| Total risk-based capital ratio | 19.5003% | 2,181 |
| Memoranda: | ||
| Average total assets | $70,139,670 | 5,730 |
| Average earning assets | $64,948,670 | 5,676 |
| Average equity | $9,120,330 | 5,233 |
| Average total loans | $54,608,000 | 5,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 1,134 |
| Cost of funding earning assets | 1.2684% | 726 |
| Net interest margin | 4.0147% | 2,441 |
| Noninterest income to average assets | 0.4324% | 4,435 |
| Noninterest expense to average assets | 2.4523% | 5,310 |
| Loan and lease loss provision to assets | 0.0853% | 4,314 |
| Net operating income to assets | 1.5988% | 865 |
| Return on assets (ROA) | 1.5988% | 968 |
| Pretax return on assets | 1.6045% | 1,557 |
| Return on Equity (ROE) | 12.3037% | 1,580 |
| Retained earnings to average equity (ytd only) | 3.9845% | 4,191 |
| Net charge-offs to loans | 0.0148% | 4,486 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 246 |
| Efficiency ratio | 59.2033% | 5,742 |
| Assets per employee ($millions) | 3.4841% | 5,151 |
| Cash dividends to net income (ytd only)* | 67.6157% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,445 |
| Loan loss allowance to noncurrent loans | 94.1889% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.5818% | 2,291 |
| Noncurrent loans to loans | 1.5239% | 3,833 |
| Net loans and leases to total assets | 76.6708% | 731 |
| Net loans and leases to deposits | 94.1426% | 651 |
| Net loans and leases to core deposits | 97.4038% | 1,173 |
| Total domestic deposits to total assets | 81.4411% | 5,484 |
| Equity capital to assets | 13.0308% | 1,430 |
| Core capital (leverage) ratio | 12.8334% | 1,192 |
| Tier 1 risk-based capital ratio | 18.6030% | 2,111 |
| Total risk-based capital ratio | 19.8576% | 2,077 |
| Memoranda: | ||
| Average total assets | $70,302,000 | 5,759 |
| Average earning assets | $64,961,500 | 5,722 |
| Average equity | $9,135,500 | 5,250 |
| Average total loans | $54,177,500 | 5,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 1,159 |
| Cost of funding earning assets | 1.4606% | 829 |
| Net interest margin | 4.0469% | 2,647 |
| Noninterest income to average assets | 0.2981% | 5,393 |
| Noninterest expense to average assets | 2.4576% | 5,613 |
| Loan and lease loss provision to assets | 0.1854% | 4,339 |
| Net operating income to assets | 1.4149% | 997 |
| Return on assets (ROA) | 1.4149% | 1,076 |
| Pretax return on assets | 1.4292% | 1,687 |
| Return on Equity (ROE) | 11.0279% | 1,692 |
| Retained earnings to average equity (ytd only) | 0.9227% | 5,431 |
| Net charge-offs to loans | 0.0650% | 5,653 |
| Credit loss provision to net charge-offs | 361.1111% | 640 |
| Earnings coverage of net charge-offs (x) | 31.4444% | 815 |
| Efficiency ratio | 60.3503% | 5,698 |
| Assets per employee ($millions) | 3.5462% | 4,900 |
| Cash dividends to net income (ytd only)* | 91.6331% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,399 |
| Loan loss allowance to noncurrent loans | 92.6150% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.5366% | 2,396 |
| Noncurrent loans to loans | 1.5253% | 3,863 |
| Net loans and leases to total assets | 75.2746% | 1,055 |
| Net loans and leases to deposits | 92.2215% | 950 |
| Net loans and leases to core deposits | 95.7425% | 1,523 |
| Total domestic deposits to total assets | 81.6237% | 5,260 |
| Equity capital to assets | 12.9591% | 1,508 |
| Core capital (leverage) ratio | 12.9010% | 1,180 |
| Tier 1 risk-based capital ratio | 18.3023% | 2,105 |
| Total risk-based capital ratio | 19.5552% | 2,067 |
| Memoranda: | ||
| Average total assets | $70,108,600 | 5,735 |
| Average earning assets | $65,383,600 | 5,688 |
| Average equity | $8,995,400 | 5,277 |
| Average total loans | $55,413,600 | 5,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5287% | 1,188 |
| Cost of funding earning assets | 1.4991% | 864 |
| Net interest margin | 4.0296% | 2,783 |
| Noninterest income to average assets | 0.2708% | 5,677 |
| Noninterest expense to average assets | 2.4433% | 5,651 |
| Loan and lease loss provision to assets | 0.2193% | 3,820 |
| Net operating income to assets | 1.3580% | 1,246 |
| Return on assets (ROA) | 1.3580% | 1,328 |
| Pretax return on assets | 1.3713% | 2,034 |
| Return on Equity (ROE) | 10.6110% | 1,988 |
| Retained earnings to average equity (ytd only) | -0.3278% | 6,039 |
| Net charge-offs to loans | 0.0837% | 5,139 |
| Credit loss provision to net charge-offs | 328.5714% | 853 |
| Earnings coverage of net charge-offs (x) | 23.8262% | 1,100 |
| Efficiency ratio | 60.5674% | 5,627 |
| Assets per employee ($millions) | 3.5015% | 4,995 |
| Cash dividends to net income (ytd only)* | 103.0896% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,874 |
| Loan loss allowance to noncurrent loans | 47.5016% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.5075% | 2,578 |
| Noncurrent loans to loans | 2.7998% | 2,485 |
| Net loans and leases to total assets | 79.5628% | 555 |
| Net loans and leases to deposits | 97.7405% | 588 |
| Net loans and leases to core deposits | 101.0501% | 1,158 |
| Total domestic deposits to total assets | 81.4020% | 5,295 |
| Equity capital to assets | 12.9689% | 1,627 |
| Core capital (leverage) ratio | 12.6238% | 1,380 |
| Tier 1 risk-based capital ratio | 17.7726% | 2,343 |
| Total risk-based capital ratio | 19.0255% | 2,310 |
| Memoranda: | ||
| Average total assets | $69,905,000 | 5,784 |
| Average earning assets | $65,281,750 | 5,735 |
| Average equity | $8,946,500 | 5,325 |
| Average total loans | $55,729,000 | 5,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 1,368 |
| Cost of funding earning assets | 1.5248% | 923 |
| Net interest margin | 3.9437% | 3,110 |
| Noninterest income to average assets | 0.2777% | 5,662 |
| Noninterest expense to average assets | 2.4448% | 5,715 |
| Loan and lease loss provision to assets | 0.2863% | 3,093 |
| Net operating income to assets | 1.2224% | 1,506 |
| Return on assets (ROA) | 1.2224% | 1,585 |
| Pretax return on assets | 1.2338% | 2,359 |
| Return on Equity (ROE) | 9.5941% | 2,272 |
| Retained earnings to average equity (ytd only) | -3.3029% | 6,406 |
| Net charge-offs to loans | -0.0072% | 6,631 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6606% | 5,634 |
| Assets per employee ($millions) | 3.5293% | 4,863 |
| Cash dividends to net income (ytd only)* | 134.4262% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,703 |
| Loan loss allowance to noncurrent loans | 46.4264% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.6068% | 2,555 |
| Noncurrent loans to loans | 2.9614% | 2,451 |
| Net loans and leases to total assets | 78.5592% | 699 |
| Net loans and leases to deposits | 98.5533% | 562 |
| Net loans and leases to core deposits | 100.9834% | 1,259 |
| Total domestic deposits to total assets | 79.7124% | 5,898 |
| Equity capital to assets | 12.6542% | 1,705 |
| Core capital (leverage) ratio | 12.5324% | 1,343 |
| Tier 1 risk-based capital ratio | 17.5901% | 2,308 |
| Total risk-based capital ratio | 18.8439% | 2,275 |
| Memoranda: | ||
| Average total assets | $69,863,670 | 5,832 |
| Average earning assets | $65,319,000 | 5,778 |
| Average equity | $8,901,330 | 5,350 |
| Average total loans | $55,482,670 | 5,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 1,518 |
| Cost of funding earning assets | 1.5650% | 935 |
| Net interest margin | 3.8480% | 3,380 |
| Noninterest income to average assets | 0.2878% | 5,615 |
| Noninterest expense to average assets | 2.4690% | 5,675 |
| Loan and lease loss provision to assets | 0.0863% | 4,926 |
| Net operating income to assets | 1.3352% | 1,186 |
| Return on assets (ROA) | 1.3352% | 1,234 |
| Pretax return on assets | 1.3409% | 1,910 |
| Return on Equity (ROE) | 10.4434% | 1,936 |
| Retained earnings to average equity (ytd only) | -8.1927% | 6,764 |
| Net charge-offs to loans | -0.0145% | 6,467 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3678% | 5,463 |
| Assets per employee ($millions) | 3.6534% | 4,645 |
| Cash dividends to net income (ytd only)* | 178.4483% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 5,443 |
| Loan loss allowance to noncurrent loans | 50.1092% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,824 |
| Noncurrent loans to loans | 2.4751% | 3,021 |
| Net loans and leases to total assets | 78.9236% | 627 |
| Net loans and leases to deposits | 99.5729% | 495 |
| Net loans and leases to core deposits | 101.6005% | 1,225 |
| Total domestic deposits to total assets | 79.2621% | 6,129 |
| Equity capital to assets | 12.6905% | 1,525 |
| Core capital (leverage) ratio | 12.4441% | 1,351 |
| Tier 1 risk-based capital ratio | 17.7389% | 2,203 |
| Total risk-based capital ratio | 18.9899% | 2,168 |
| Memoranda: | ||
| Average total assets | $69,503,000 | 5,876 |
| Average earning assets | $65,177,000 | 5,822 |
| Average equity | $8,886,000 | 5,362 |
| Average total loans | $55,112,000 | 5,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 1,236 |
| Cost of funding earning assets | 1.7954% | 1,188 |
| Net interest margin | 4.0204% | 2,922 |
| Noninterest income to average assets | 0.3431% | 5,339 |
| Noninterest expense to average assets | 2.3395% | 6,245 |
| Loan and lease loss provision to assets | 0.0851% | 6,299 |
| Net operating income to assets | 1.6816% | 538 |
| Return on assets (ROA) | 1.6816% | 577 |
| Pretax return on assets | 1.6873% | 971 |
| Return on Equity (ROE) | 13.6841% | 947 |
| Retained earnings to average equity (ytd only) | 6.4151% | 1,609 |
| Net charge-offs to loans | 0.1286% | 5,619 |
| Credit loss provision to net charge-offs | 81.0811% | 5,522 |
| Earnings coverage of net charge-offs (x) | 16.8919% | 1,183 |
| Efficiency ratio | 56.8966% | 6,473 |
| Assets per employee ($millions) | 3.6627% | 4,540 |
| Cash dividends to net income (ytd only)* | 53.1197% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,389 |
| Loan loss allowance to noncurrent loans | 86.8047% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 4,000 |
| Noncurrent loans to loans | 1.4118% | 4,362 |
| Net loans and leases to total assets | 77.7115% | 988 |
| Net loans and leases to deposits | 97.7674% | 737 |
| Net loans and leases to core deposits | 99.7271% | 1,644 |
| Total domestic deposits to total assets | 79.4861% | 5,973 |
| Equity capital to assets | 12.8794% | 1,448 |
| Core capital (leverage) ratio | 12.4997% | 1,318 |
| Tier 1 risk-based capital ratio | 18.2339% | 1,928 |
| Total risk-based capital ratio | 19.4855% | 1,888 |
| Memoranda: | ||
| Average total assets | $70,527,600 | 5,868 |
| Average earning assets | $66,113,200 | 5,794 |
| Average equity | $8,667,000 | 5,510 |
| Average total loans | $57,563,800 | 5,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 1,301 |
| Cost of funding earning assets | 1.8304% | 1,301 |
| Net interest margin | 4.0027% | 3,098 |
| Noninterest income to average assets | 0.2902% | 5,801 |
| Noninterest expense to average assets | 2.2441% | 6,478 |
| Loan and lease loss provision to assets | 0.0848% | 6,190 |
| Net operating income to assets | 1.7052% | 615 |
| Return on assets (ROA) | 1.7052% | 669 |
| Pretax return on assets | 1.7109% | 1,092 |
| Return on Equity (ROE) | 14.0421% | 1,026 |
| Retained earnings to average equity (ytd only) | 4.3135% | 3,465 |
| Net charge-offs to loans | 0.1739% | 4,922 |
| Credit loss provision to net charge-offs | 59.2105% | 5,714 |
| Earnings coverage of net charge-offs (x) | 12.5395% | 1,673 |
| Efficiency ratio | 55.5504% | 6,619 |
| Assets per employee ($millions) | 3.5783% | 4,782 |
| Cash dividends to net income (ytd only)* | 69.2816% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,830 |
| Loan loss allowance to noncurrent loans | 50.5019% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 3,488 |
| Noncurrent loans to loans | 2.2300% | 3,414 |
| Net loans and leases to total assets | 80.2320% | 710 |
| Net loans and leases to deposits | 100.0906% | 654 |
| Net loans and leases to core deposits | 102.0021% | 1,654 |
| Total domestic deposits to total assets | 80.1593% | 5,652 |
| Equity capital to assets | 12.3538% | 1,938 |
| Core capital (leverage) ratio | 12.2968% | 1,511 |
| Tier 1 risk-based capital ratio | 16.6779% | 2,469 |
| Total risk-based capital ratio | 17.9287% | 2,432 |
| Memoranda: | ||
| Average total assets | $70,761,500 | 5,924 |
| Average earning assets | $66,287,500 | 5,855 |
| Average equity | $8,593,000 | 5,605 |
| Average total loans | $58,266,750 | 5,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 1,336 |
| Cost of funding earning assets | 1.8639% | 1,358 |
| Net interest margin | 3.9702% | 3,158 |
| Noninterest income to average assets | 0.2355% | 6,222 |
| Noninterest expense to average assets | 2.2300% | 6,570 |
| Loan and lease loss provision to assets | 0.0851% | 6,075 |
| Net operating income to assets | 1.6314% | 678 |
| Return on assets (ROA) | 1.6314% | 729 |
| Pretax return on assets | 1.6370% | 1,194 |
| Return on Equity (ROE) | 13.5130% | 1,138 |
| Retained earnings to average equity (ytd only) | 1.6451% | 5,049 |
| Net charge-offs to loans | 0.2194% | 4,284 |
| Credit loss provision to net charge-offs | 46.8750% | 5,485 |
| Earnings coverage of net charge-offs (x) | 9.4844% | 2,016 |
| Efficiency ratio | 56.4250% | 6,582 |
| Assets per employee ($millions) | 3.6969% | 4,478 |
| Cash dividends to net income (ytd only)* | 87.8261% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,883 |
| Loan loss allowance to noncurrent loans | 51.3812% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9817% | 3,515 |
| Noncurrent loans to loans | 2.1662% | 3,510 |
| Net loans and leases to total assets | 82.3436% | 502 |
| Net loans and leases to deposits | 102.3572% | 574 |
| Net loans and leases to core deposits | 104.3234% | 1,613 |
| Total domestic deposits to total assets | 80.4473% | 5,576 |
| Equity capital to assets | 12.1909% | 1,982 |
| Core capital (leverage) ratio | 12.0410% | 1,619 |
| Tier 1 risk-based capital ratio | 17.0064% | 2,279 |
| Total risk-based capital ratio | 18.2567% | 2,229 |
| Memoranda: | ||
| Average total assets | $70,493,670 | 5,962 |
| Average earning assets | $65,991,000 | 5,901 |
| Average equity | $8,510,330 | 5,633 |
| Average total loans | $58,331,670 | 5,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 1,547 |
| Cost of funding earning assets | 1.8839% | 1,513 |
| Net interest margin | 3.8890% | 3,378 |
| Noninterest income to average assets | 0.1926% | 6,589 |
| Noninterest expense to average assets | 2.2656% | 6,494 |
| Loan and lease loss provision to assets | 0.0850% | 5,787 |
| Net operating income to assets | 1.4727% | 939 |
| Return on assets (ROA) | 1.4727% | 1,007 |
| Pretax return on assets | 1.4783% | 1,575 |
| Return on Equity (ROE) | 12.2584% | 1,426 |
| Retained earnings to average equity (ytd only) | -2.3574% | 6,267 |
| Net charge-offs to loans | -0.0275% | 7,163 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1716% | 6,310 |
| Assets per employee ($millions) | 3.4722% | 5,094 |
| Cash dividends to net income (ytd only)* | 119.2308% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,448 |
| Loan loss allowance to noncurrent loans | 46.6844% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.3515% | 3,087 |
| Noncurrent loans to loans | 2.5931% | 3,078 |
| Net loans and leases to total assets | 82.7300% | 501 |
| Net loans and leases to deposits | 104.1269% | 521 |
| Net loans and leases to core deposits | 106.1529% | 1,564 |
| Total domestic deposits to total assets | 79.4511% | 5,975 |
| Equity capital to assets | 12.1767% | 1,943 |
| Core capital (leverage) ratio | 11.7866% | 1,760 |
| Tier 1 risk-based capital ratio | 16.9268% | 2,285 |
| Total risk-based capital ratio | 18.1792% | 2,238 |
| Memoranda: | ||
| Average total assets | $70,620,000 | 6,029 |
| Average earning assets | $66,033,000 | 5,964 |
| Average equity | $8,484,000 | 5,692 |
| Average total loans | $58,252,500 | 5,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2007% | 1,240 |
| Cost of funding earning assets | 2.2474% | 1,847 |
| Net interest margin | 3.9533% | 3,064 |
| Noninterest income to average assets | 0.3781% | 5,390 |
| Noninterest expense to average assets | 2.3911% | 6,493 |
| Loan and lease loss provision to assets | 0.6848% | 3,083 |
| Net operating income to assets | 0.9858% | 1,886 |
| Return on assets (ROA) | 1.0129% | 1,848 |
| Pretax return on assets | 1.0158% | 2,538 |
| Return on Equity (ROE) | 8.4249% | 2,227 |
| Retained earnings to average equity (ytd only) | -0.1780% | 4,987 |
| Net charge-offs to loans | 0.6030% | 3,411 |
| Credit loss provision to net charge-offs | 138.3285% | 3,548 |
| Earnings coverage of net charge-offs (x) | 3.3804% | 3,369 |
| Efficiency ratio | 58.8277% | 6,645 |
| Assets per employee ($millions) | 3.5898% | 4,808 |
| Cash dividends to net income (ytd only)* | 102.1127% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,509 |
| Loan loss allowance to noncurrent loans | 75.4405% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 4,253 |
| Noncurrent loans to loans | 1.5561% | 4,318 |
| Net loans and leases to total assets | 80.3178% | 938 |
| Net loans and leases to deposits | 99.2171% | 974 |
| Net loans and leases to core deposits | 114.5374% | 2,454 |
| Total domestic deposits to total assets | 80.9516% | 5,357 |
| Equity capital to assets | 11.8558% | 2,105 |
| Core capital (leverage) ratio | 11.8047% | 1,755 |
| Tier 1 risk-based capital ratio | 16.7767% | 2,212 |
| Total risk-based capital ratio | 18.0286% | 2,183 |
| Memoranda: | ||
| Average total assets | $70,093,600 | 5,999 |
| Average earning assets | $65,363,400 | 5,949 |
| Average equity | $8,427,400 | 5,791 |
| Average total loans | $57,543,000 | 5,362 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2430% | 1,259 |
| Cost of funding earning assets | 2.3416% | 1,842 |
| Net interest margin | 3.9014% | 3,234 |
| Noninterest income to average assets | 0.3962% | 5,320 |
| Noninterest expense to average assets | 2.3578% | 6,535 |
| Loan and lease loss provision to assets | 0.8899% | 2,162 |
| Net operating income to assets | 0.7847% | 2,881 |
| Return on assets (ROA) | 0.7847% | 2,940 |
| Pretax return on assets | 0.7866% | 3,585 |
| Return on Equity (ROE) | 6.5029% | 3,298 |
| Retained earnings to average equity (ytd only) | -4.9962% | 6,256 |
| Net charge-offs to loans | 0.8045% | 2,356 |
| Credit loss provision to net charge-offs | 134.3931% | 3,704 |
| Earnings coverage of net charge-offs (x) | 2.5318% | 3,958 |
| Efficiency ratio | 58.4440% | 6,660 |
| Assets per employee ($millions) | 3.3791% | 5,208 |
| Cash dividends to net income (ytd only)* | 176.8298% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,316 |
| Loan loss allowance to noncurrent loans | 50.4891% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0490% | 3,286 |
| Noncurrent loans to loans | 2.3106% | 3,252 |
| Net loans and leases to total assets | 80.1091% | 1,147 |
| Net loans and leases to deposits | 98.8626% | 1,227 |
| Net loans and leases to core deposits | 115.1518% | 2,708 |
| Total domestic deposits to total assets | 81.0307% | 5,073 |
| Equity capital to assets | 11.6767% | 2,450 |
| Core capital (leverage) ratio | 11.4423% | 2,106 |
| Tier 1 risk-based capital ratio | 16.3206% | 2,506 |
| Total risk-based capital ratio | 17.5716% | 2,442 |
| Memoranda: | ||
| Average total assets | $69,668,000 | 6,051 |
| Average earning assets | $64,967,250 | 6,005 |
| Average equity | $8,406,250 | 5,850 |
| Average total loans | $57,341,250 | 5,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2578% | 1,314 |
| Cost of funding earning assets | 2.3945% | 1,989 |
| Net interest margin | 3.8633% | 3,275 |
| Noninterest income to average assets | 0.3697% | 5,553 |
| Noninterest expense to average assets | 2.3340% | 6,661 |
| Loan and lease loss provision to assets | 0.0867% | 6,305 |
| Net operating income to assets | 1.5685% | 731 |
| Return on assets (ROA) | 1.5685% | 788 |
| Pretax return on assets | 1.5656% | 1,288 |
| Return on Equity (ROE) | 12.8577% | 1,209 |
| Retained earnings to average equity (ytd only) | -3.3624% | 6,025 |
| Net charge-offs to loans | 0.0175% | 6,278 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 114.4000% | 336 |
| Efficiency ratio | 58.5507% | 6,761 |
| Assets per employee ($millions) | 3.5104% | 4,797 |
| Cash dividends to net income (ytd only)* | 126.1510% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,277 |
| Loan loss allowance to noncurrent loans | 50.1303% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 3,295 |
| Noncurrent loans to loans | 1.9883% | 3,543 |
| Net loans and leases to total assets | 81.6329% | 1,019 |
| Net loans and leases to deposits | 101.2580% | 1,147 |
| Net loans and leases to core deposits | 119.2981% | 2,429 |
| Total domestic deposits to total assets | 80.6187% | 5,228 |
| Equity capital to assets | 11.9447% | 2,237 |
| Core capital (leverage) ratio | 11.8144% | 1,911 |
| Tier 1 risk-based capital ratio | 16.4516% | 2,461 |
| Total risk-based capital ratio | 17.6007% | 2,450 |
| Memoranda: | ||
| Average total assets | $69,236,670 | 6,102 |
| Average earning assets | $64,814,670 | 6,052 |
| Average equity | $8,446,330 | 5,867 |
| Average total loans | $57,282,330 | 5,457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3289% | 1,223 |
| Cost of funding earning assets | 2.4385% | 2,146 |
| Net interest margin | 3.8904% | 3,071 |
| Noninterest income to average assets | 0.3956% | 5,246 |
| Noninterest expense to average assets | 2.2225% | 6,795 |
| Loan and lease loss provision to assets | 0.0873% | 5,845 |
| Net operating income to assets | 1.7454% | 589 |
| Return on assets (ROA) | 1.7454% | 643 |
| Pretax return on assets | 1.7338% | 1,112 |
| Return on Equity (ROE) | 14.1568% | 1,137 |
| Retained earnings to average equity (ytd only) | -9.4379% | 7,051 |
| Net charge-offs to loans | 0.0140% | 5,397 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 280 |
| Efficiency ratio | 54.9640% | 7,105 |
| Assets per employee ($millions) | 3.4218% | 5,016 |
| Cash dividends to net income (ytd only)* | 166.6667% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,235 |
| Loan loss allowance to noncurrent loans | 52.3148% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 3,090 |
| Noncurrent loans to loans | 1.8997% | 3,414 |
| Net loans and leases to total assets | 82.2462% | 978 |
| Net loans and leases to deposits | 102.6311% | 1,122 |
| Net loans and leases to core deposits | 127.9722% | 1,789 |
| Total domestic deposits to total assets | 80.1376% | 5,314 |
| Equity capital to assets | 12.2289% | 2,120 |
| Core capital (leverage) ratio | 11.8555% | 1,970 |
| Tier 1 risk-based capital ratio | 16.5220% | 2,507 |
| Total risk-based capital ratio | 17.6599% | 2,495 |
| Memoranda: | ||
| Average total assets | $68,751,500 | 6,149 |
| Average earning assets | $64,466,500 | 6,087 |
| Average equity | $8,476,500 | 5,888 |
| Average total loans | $56,979,000 | 5,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7296% | 1,928 |
| Cost of funding earning assets | 2.7115% | 3,104 |
| Net interest margin | 4.0181% | 3,034 |
| Noninterest income to average assets | 0.3368% | 6,044 |
| Noninterest expense to average assets | 2.1920% | 6,984 |
| Loan and lease loss provision to assets | 0.0541% | 6,739 |
| Net operating income to assets | 1.8703% | 467 |
| Return on assets (ROA) | 1.8703% | 449 |
| Pretax return on assets | 1.8357% | 878 |
| Return on Equity (ROE) | 15.4377% | 859 |
| Retained earnings to average equity (ytd only) | 9.3569% | 543 |
| Net charge-offs to loans | 0.1293% | 4,942 |
| Credit loss provision to net charge-offs | 50.7042% | 6,347 |
| Earnings coverage of net charge-offs (x) | 17.7042% | 1,752 |
| Efficiency ratio | 53.7017% | 7,301 |
| Assets per employee ($millions) | 3.4534% | 4,790 |
| Cash dividends to net income (ytd only)* | 39.3891% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,286 |
| Loan loss allowance to noncurrent loans | 51.0166% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.8663% | 2,638 |
| Noncurrent loans to loans | 1.8947% | 2,915 |
| Net loans and leases to total assets | 81.8843% | 1,248 |
| Net loans and leases to deposits | 102.5104% | 1,532 |
| Net loans and leases to core deposits | 127.5629% | 2,035 |
| Total domestic deposits to total assets | 79.8790% | 5,069 |
| Equity capital to assets | 12.4285% | 2,048 |
| Core capital (leverage) ratio | 12.1845% | 1,888 |
| Tier 1 risk-based capital ratio | 16.7701% | 2,396 |
| Total risk-based capital ratio | 17.8716% | 2,377 |
| Memoranda: | ||
| Average total assets | $66,514,400 | 6,142 |
| Average earning assets | $61,995,200 | 6,086 |
| Average equity | $8,058,200 | 6,069 |
| Average total loans | $54,903,600 | 5,490 |