Home > Brown County State Bank > Performance and Condition Ratios
Brown County State Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,445 |
| Cost of funding earning assets | 0.6912% | 855 |
| Net interest margin | 3.2533% | 4,337 |
| Noninterest income to average assets | 0.9027% | 1,397 |
| Noninterest expense to average assets | 2.1246% | 4,958 |
| Loan and lease loss provision to assets | 0.0860% | 2,507 |
| Net operating income to assets | 1.5253% | 837 |
| Return on assets (ROA) | 1.5253% | 885 |
| Pretax return on assets | 1.5474% | 1,548 |
| Return on Equity (ROE) | 14.4040% | 754 |
| Retained earnings to average equity (ytd only) | -11.9222% | 5,865 |
| Net charge-offs to loans | 0.0897% | 2,069 |
| Credit loss provision to net charge-offs | 129.6296% | 1,978 |
| Earnings coverage of net charge-offs (x) | 24.6290% | 1,667 |
| Efficiency ratio | 54.6405% | 5,188 |
| Assets per employee ($millions) | 7.5998% | 695 |
| Cash dividends to net income (ytd only)* | 182.7695% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,207 |
| Loan loss allowance to noncurrent loans | 324.5946% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 4,103 |
| Noncurrent loans to loans | 0.4309% | 3,737 |
| Net loans and leases to total assets | 74.2713% | 1,822 |
| Net loans and leases to deposits | 113.5251% | 191 |
| Net loans and leases to core deposits | 139.7791% | 197 |
| Total domestic deposits to total assets | 65.4228% | 5,830 |
| Equity capital to assets | 9.9590% | 4,167 |
| Core capital (leverage) ratio | 9.0876% | 4,735 |
| Tier 1 risk-based capital ratio | 10.9934% | 5,373 |
| Total risk-based capital ratio | 12.2439% | 5,287 |
| Memoranda: | ||
| Average total assets | $108,566,500 | 4,221 |
| Average earning assets | $95,284,750 | 4,319 |
| Average equity | $11,496,500 | 4,378 |
| Average total loans | $80,292,750 | 3,816 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,411 |
| Cost of funding earning assets | 0.7539% | 613 |
| Net interest margin | 3.1992% | 4,543 |
| Noninterest income to average assets | 0.9835% | 1,162 |
| Noninterest expense to average assets | 2.1114% | 5,033 |
| Loan and lease loss provision to assets | 0.0749% | 2,638 |
| Net operating income to assets | 1.5812% | 753 |
| Return on assets (ROA) | 1.5812% | 797 |
| Pretax return on assets | 1.6037% | 1,366 |
| Return on Equity (ROE) | 14.6219% | 726 |
| Retained earnings to average equity (ytd only) | -21.2399% | 5,975 |
| Net charge-offs to loans | 0.1377% | 1,502 |
| Credit loss provision to net charge-offs | 74.0741% | 2,437 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,925 |
| Efficiency ratio | 53.7815% | 5,330 |
| Assets per employee ($millions) | 6.9364% | 894 |
| Cash dividends to net income (ytd only)* | 245.2607% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,094 |
| Loan loss allowance to noncurrent loans | 594.4162% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,611 |
| Noncurrent loans to loans | 0.2428% | 4,481 |
| Net loans and leases to total assets | 72.0543% | 2,161 |
| Net loans and leases to deposits | 110.3768% | 242 |
| Net loans and leases to core deposits | 136.8261% | 215 |
| Total domestic deposits to total assets | 65.2803% | 5,910 |
| Equity capital to assets | 10.0970% | 4,097 |
| Core capital (leverage) ratio | 8.9027% | 4,933 |
| Tier 1 risk-based capital ratio | 11.4274% | 5,201 |
| Total risk-based capital ratio | 12.6788% | 5,092 |
| Memoranda: | ||
| Average total assets | $106,756,330 | 4,295 |
| Average earning assets | $93,648,000 | 4,390 |
| Average equity | $11,544,330 | 4,391 |
| Average total loans | $78,434,330 | 3,887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,715 |
| Cost of funding earning assets | 0.7342% | 678 |
| Net interest margin | 3.1301% | 4,781 |
| Noninterest income to average assets | 1.0435% | 999 |
| Noninterest expense to average assets | 2.1865% | 4,933 |
| Loan and lease loss provision to assets | 0.0382% | 3,146 |
| Net operating income to assets | 1.5825% | 724 |
| Return on assets (ROA) | 1.5825% | 762 |
| Pretax return on assets | 1.6055% | 1,275 |
| Return on Equity (ROE) | 14.1375% | 808 |
| Retained earnings to average equity (ytd only) | -37.0854% | 6,051 |
| Net charge-offs to loans | 0.1090% | 1,475 |
| Credit loss provision to net charge-offs | 47.6190% | 2,070 |
| Earnings coverage of net charge-offs (x) | 20.4762% | 1,463 |
| Efficiency ratio | 55.1896% | 5,267 |
| Assets per employee ($millions) | 6.5713% | 1,069 |
| Cash dividends to net income (ytd only)* | 362.3188% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,929 |
| Loan loss allowance to noncurrent loans | 543.5185% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 4,739 |
| Noncurrent loans to loans | 0.2783% | 4,437 |
| Net loans and leases to total assets | 72.6929% | 1,920 |
| Net loans and leases to deposits | 106.7965% | 313 |
| Net loans and leases to core deposits | 132.5552% | 236 |
| Total domestic deposits to total assets | 68.0667% | 5,923 |
| Equity capital to assets | 10.6543% | 3,307 |
| Core capital (leverage) ratio | 9.4676% | 4,249 |
| Tier 1 risk-based capital ratio | 11.9001% | 4,976 |
| Total risk-based capital ratio | 13.1524% | 4,882 |
| Memoranda: | ||
| Average total assets | $104,643,000 | 4,378 |
| Average earning assets | $93,160,000 | 4,443 |
| Average equity | $11,713,500 | 4,381 |
| Average total loans | $77,082,000 | 3,940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,411 |
| Cost of funding earning assets | 0.6955% | 839 |
| Net interest margin | 3.2785% | 4,376 |
| Noninterest income to average assets | 1.0369% | 1,100 |
| Noninterest expense to average assets | 2.1893% | 5,065 |
| Loan and lease loss provision to assets | 0.0760% | 2,752 |
| Net operating income to assets | 1.5994% | 707 |
| Return on assets (ROA) | 1.8001% | 495 |
| Pretax return on assets | 1.8284% | 757 |
| Return on Equity (ROE) | 15.3988% | 628 |
| Retained earnings to average equity (ytd only) | 13.1444% | 196 |
| Net charge-offs to loans | 0.0244% | 3,764 |
| Credit loss provision to net charge-offs | 441.1765% | 696 |
| Earnings coverage of net charge-offs (x) | 98.6471% | 582 |
| Efficiency ratio | 54.2872% | 5,505 |
| Assets per employee ($millions) | 6.5091% | 1,095 |
| Cash dividends to net income (ytd only)* | 14.6396% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,810 |
| Loan loss allowance to noncurrent loans | 583.7438% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,819 |
| Noncurrent loans to loans | 0.2652% | 4,496 |
| Net loans and leases to total assets | 72.3751% | 1,984 |
| Net loans and leases to deposits | 105.5894% | 377 |
| Net loans and leases to core deposits | 131.1303% | 253 |
| Total domestic deposits to total assets | 68.5439% | 5,954 |
| Equity capital to assets | 11.7384% | 2,161 |
| Core capital (leverage) ratio | 11.0475% | 2,355 |
| Tier 1 risk-based capital ratio | 13.5499% | 3,979 |
| Total risk-based capital ratio | 14.8023% | 3,911 |
| Memoranda: | ||
| Average total assets | $98,663,200 | 4,484 |
| Average earning assets | $85,833,200 | 4,591 |
| Average equity | $11,533,400 | 4,388 |
| Average total loans | $69,652,400 | 4,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,157 |
| Cost of funding earning assets | 0.6963% | 855 |
| Net interest margin | 3.3467% | 4,154 |
| Noninterest income to average assets | 1.0799% | 1,035 |
| Noninterest expense to average assets | 2.2365% | 4,950 |
| Loan and lease loss provision to assets | 0.0617% | 2,947 |
| Net operating income to assets | 1.6455% | 695 |
| Return on assets (ROA) | 1.7623% | 580 |
| Pretax return on assets | 1.7925% | 912 |
| Return on Equity (ROE) | 15.0928% | 712 |
| Retained earnings to average equity (ytd only) | 12.0415% | 363 |
| Net charge-offs to loans | 0.0137% | 3,691 |
| Credit loss provision to net charge-offs | 642.8571% | 531 |
| Earnings coverage of net charge-offs (x) | 180.9175% | 399 |
| Efficiency ratio | 54.3133% | 5,488 |
| Assets per employee ($millions) | 6.3823% | 1,132 |
| Cash dividends to net income (ytd only)* | 20.2179% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 1,496 |
| Loan loss allowance to noncurrent loans | 451.5504% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 4,754 |
| Noncurrent loans to loans | 0.3743% | 4,275 |
| Net loans and leases to total assets | 66.3543% | 2,960 |
| Net loans and leases to deposits | 90.9810% | 1,530 |
| Net loans and leases to core deposits | 111.8597% | 773 |
| Total domestic deposits to total assets | 72.9320% | 5,794 |
| Equity capital to assets | 11.6229% | 2,401 |
| Core capital (leverage) ratio | 10.5006% | 3,048 |
| Tier 1 risk-based capital ratio | 14.3122% | 3,672 |
| Total risk-based capital ratio | 15.5669% | 3,589 |
| Memoranda: | ||
| Average total assets | $97,292,750 | 4,560 |
| Average earning assets | $84,061,750 | 4,691 |
| Average equity | $11,360,500 | 4,467 |
| Average total loans | $67,925,500 | 4,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,166 |
| Cost of funding earning assets | 0.6751% | 966 |
| Net interest margin | 3.3539% | 4,088 |
| Noninterest income to average assets | 1.1099% | 983 |
| Noninterest expense to average assets | 2.2156% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7907% | 529 |
| Return on assets (ROA) | 1.8645% | 478 |
| Pretax return on assets | 1.8979% | 736 |
| Return on Equity (ROE) | 15.9414% | 613 |
| Retained earnings to average equity (ytd only) | 13.6181% | 262 |
| Net charge-offs to loans | 0.0414% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 62.2857% | 823 |
| Efficiency ratio | 52.8468% | 5,660 |
| Assets per employee ($millions) | 6.1655% | 1,238 |
| Cash dividends to net income (ytd only)* | 14.5740% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 1,793 |
| Loan loss allowance to noncurrent loans | 394.6809% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 4,734 |
| Noncurrent loans to loans | 0.4151% | 4,234 |
| Net loans and leases to total assets | 67.7449% | 2,681 |
| Net loans and leases to deposits | 94.4967% | 1,104 |
| Net loans and leases to core deposits | 114.8304% | 633 |
| Total domestic deposits to total assets | 71.6903% | 5,951 |
| Equity capital to assets | 11.6657% | 2,274 |
| Core capital (leverage) ratio | 10.1026% | 3,457 |
| Tier 1 risk-based capital ratio | 14.3271% | 3,743 |
| Total risk-based capital ratio | 15.5813% | 3,659 |
| Memoranda: | ||
| Average total assets | $95,684,670 | 4,638 |
| Average earning assets | $83,545,670 | 4,747 |
| Average equity | $11,191,000 | 4,526 |
| Average total loans | $67,592,670 | 4,227 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,166 |
| Cost of funding earning assets | 0.6277% | 1,247 |
| Net interest margin | 3.3913% | 3,879 |
| Noninterest income to average assets | 1.2611% | 720 |
| Noninterest expense to average assets | 2.3057% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8756% | 422 |
| Return on assets (ROA) | 2.0254% | 341 |
| Pretax return on assets | 2.0679% | 517 |
| Return on Equity (ROE) | 17.2944% | 449 |
| Retained earnings to average equity (ytd only) | 17.2944% | 167 |
| Net charge-offs to loans | -0.0059% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7163% | 5,766 |
| Assets per employee ($millions) | 5.9673% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,705 |
| Loan loss allowance to noncurrent loans | 391.6667% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,763 |
| Noncurrent loans to loans | 0.4373% | 4,288 |
| Net loans and leases to total assets | 67.8006% | 2,478 |
| Net loans and leases to deposits | 90.9364% | 1,302 |
| Net loans and leases to core deposits | 109.4164% | 776 |
| Total domestic deposits to total assets | 74.5583% | 5,862 |
| Equity capital to assets | 11.8468% | 2,153 |
| Core capital (leverage) ratio | 10.5285% | 2,927 |
| Tier 1 risk-based capital ratio | 14.6147% | 3,649 |
| Total risk-based capital ratio | 15.8694% | 3,574 |
| Memoranda: | ||
| Average total assets | $94,203,000 | 4,713 |
| Average earning assets | $82,210,000 | 4,817 |
| Average equity | $11,032,500 | 4,590 |
| Average total loans | $67,418,000 | 4,255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,369 |
| Cost of funding earning assets | 0.6587% | 1,350 |
| Net interest margin | 3.4294% | 4,070 |
| Noninterest income to average assets | 0.9692% | 1,291 |
| Noninterest expense to average assets | 2.3549% | 4,959 |
| Loan and lease loss provision to assets | -0.0852% | 6,118 |
| Net operating income to assets | 1.7190% | 562 |
| Return on assets (ROA) | 1.7190% | 577 |
| Pretax return on assets | 1.7606% | 867 |
| Return on Equity (ROE) | 15.8615% | 637 |
| Retained earnings to average equity (ytd only) | 9.1788% | 665 |
| Net charge-offs to loans | 0.1595% | 2,436 |
| Credit loss provision to net charge-offs | -74.7664% | 5,470 |
| Earnings coverage of net charge-offs (x) | 14.7009% | 2,137 |
| Efficiency ratio | 56.3953% | 5,631 |
| Assets per employee ($millions) | 5.4664% | 1,797 |
| Cash dividends to net income (ytd only)* | 42.1314% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,976 |
| Loan loss allowance to noncurrent loans | 670.8333% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 5,307 |
| Noncurrent loans to loans | 0.2436% | 4,958 |
| Net loans and leases to total assets | 73.0095% | 1,753 |
| Net loans and leases to deposits | 98.7483% | 704 |
| Net loans and leases to core deposits | 115.0788% | 553 |
| Total domestic deposits to total assets | 73.9349% | 5,954 |
| Equity capital to assets | 11.5723% | 2,372 |
| Core capital (leverage) ratio | 9.7232% | 3,939 |
| Tier 1 risk-based capital ratio | 13.5720% | 4,371 |
| Total risk-based capital ratio | 14.8282% | 4,300 |
| Memoranda: | ||
| Average total assets | $93,891,000 | 4,757 |
| Average earning assets | $83,803,600 | 4,796 |
| Average equity | $10,175,600 | 4,717 |
| Average total loans | $67,094,600 | 4,264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,386 |
| Cost of funding earning assets | 0.6654% | 1,353 |
| Net interest margin | 3.4322% | 4,100 |
| Noninterest income to average assets | 0.8966% | 1,532 |
| Noninterest expense to average assets | 2.3201% | 5,055 |
| Loan and lease loss provision to assets | 0.1700% | 1,449 |
| Net operating income to assets | 1.4178% | 1,095 |
| Return on assets (ROA) | 1.4178% | 1,133 |
| Pretax return on assets | 1.4603% | 1,776 |
| Return on Equity (ROE) | 13.3051% | 1,135 |
| Retained earnings to average equity (ytd only) | 7.5896% | 1,541 |
| Net charge-offs to loans | 0.1401% | 2,396 |
| Credit loss provision to net charge-offs | 171.4286% | 1,443 |
| Earnings coverage of net charge-offs (x) | 16.4431% | 1,970 |
| Efficiency ratio | 56.6511% | 5,595 |
| Assets per employee ($millions) | 5.4232% | 1,797 |
| Cash dividends to net income (ytd only)* | 42.9572% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 1,132 |
| Loan loss allowance to noncurrent loans | 802.3529% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 5,477 |
| Noncurrent loans to loans | 0.2580% | 5,134 |
| Net loans and leases to total assets | 70.0002% | 2,191 |
| Net loans and leases to deposits | 93.8815% | 1,054 |
| Net loans and leases to core deposits | 109.3979% | 771 |
| Total domestic deposits to total assets | 74.5623% | 5,962 |
| Equity capital to assets | 11.2220% | 2,734 |
| Core capital (leverage) ratio | 9.2824% | 4,661 |
| Tier 1 risk-based capital ratio | 13.6053% | 4,470 |
| Total risk-based capital ratio | 14.8621% | 4,412 |
| Memoranda: | ||
| Average total assets | $94,131,500 | 4,792 |
| Average earning assets | $83,753,750 | 4,844 |
| Average equity | $10,031,000 | 4,778 |
| Average total loans | $66,624,750 | 4,316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,458 |
| Cost of funding earning assets | 0.6624% | 1,418 |
| Net interest margin | 3.4092% | 4,138 |
| Noninterest income to average assets | 0.9517% | 1,327 |
| Noninterest expense to average assets | 2.2896% | 5,176 |
| Loan and lease loss provision to assets | 0.2532% | 857 |
| Net operating income to assets | 1.3948% | 1,075 |
| Return on assets (ROA) | 1.3948% | 1,122 |
| Pretax return on assets | 1.4392% | 1,755 |
| Return on Equity (ROE) | 13.3186% | 1,091 |
| Retained earnings to average equity (ytd only) | 9.0872% | 963 |
| Net charge-offs to loans | 0.2034% | 1,808 |
| Credit loss provision to net charge-offs | 176.4706% | 1,295 |
| Earnings coverage of net charge-offs (x) | 11.7941% | 2,118 |
| Efficiency ratio | 55.4319% | 5,799 |
| Assets per employee ($millions) | 5.6069% | 1,601 |
| Cash dividends to net income (ytd only)* | 31.7700% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 1,217 |
| Loan loss allowance to noncurrent loans | 370.1897% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 4,302 |
| Noncurrent loans to loans | 0.5626% | 4,332 |
| Net loans and leases to total assets | 67.3815% | 2,518 |
| Net loans and leases to deposits | 88.9939% | 1,479 |
| Net loans and leases to core deposits | 104.7254% | 970 |
| Total domestic deposits to total assets | 75.7147% | 5,950 |
| Equity capital to assets | 10.6948% | 3,207 |
| Core capital (leverage) ratio | 9.1397% | 4,827 |
| Tier 1 risk-based capital ratio | 13.4262% | 4,633 |
| Total risk-based capital ratio | 14.6870% | 4,569 |
| Memoranda: | ||
| Average total assets | $94,777,330 | 4,801 |
| Average earning assets | $84,242,670 | 4,861 |
| Average equity | $9,926,000 | 4,822 |
| Average total loans | $66,866,330 | 4,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,139 |
| Cost of funding earning assets | 0.6490% | 1,585 |
| Net interest margin | 3.4894% | 3,743 |
| Noninterest income to average assets | 0.8761% | 1,465 |
| Noninterest expense to average assets | 2.2305% | 5,381 |
| Loan and lease loss provision to assets | 0.2539% | 845 |
| Net operating income to assets | 1.4941% | 829 |
| Return on assets (ROA) | 1.4941% | 857 |
| Pretax return on assets | 1.5322% | 1,334 |
| Return on Equity (ROE) | 14.4199% | 873 |
| Retained earnings to average equity (ytd only) | 14.4199% | 367 |
| Net charge-offs to loans | 0.0415% | 2,802 |
| Credit loss provision to net charge-offs | 857.1429% | 351 |
| Earnings coverage of net charge-offs (x) | 60.2857% | 653 |
| Efficiency ratio | 53.5300% | 6,050 |
| Assets per employee ($millions) | 5.4671% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 1,410 |
| Loan loss allowance to noncurrent loans | 296.5293% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 4,190 |
| Noncurrent loans to loans | 0.6923% | 4,141 |
| Net loans and leases to total assets | 70.1786% | 1,858 |
| Net loans and leases to deposits | 94.3757% | 756 |
| Net loans and leases to core deposits | 111.9341% | 519 |
| Total domestic deposits to total assets | 74.3609% | 6,211 |
| Equity capital to assets | 10.8027% | 2,939 |
| Core capital (leverage) ratio | 8.9505% | 5,085 |
| Tier 1 risk-based capital ratio | 12.9899% | 5,010 |
| Total risk-based capital ratio | 14.2501% | 4,934 |
| Memoranda: | ||
| Average total assets | $94,507,500 | 4,860 |
| Average earning assets | $85,058,500 | 4,890 |
| Average equity | $9,792,000 | 4,872 |
| Average total loans | $67,503,500 | 4,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 678 |
| Cost of funding earning assets | 0.6963% | 1,843 |
| Net interest margin | 4.4805% | 765 |
| Noninterest income to average assets | 0.9894% | 1,421 |
| Noninterest expense to average assets | 2.3122% | 5,342 |
| Loan and lease loss provision to assets | 1.0703% | 162 |
| Net operating income to assets | 1.4717% | 873 |
| Return on assets (ROA) | 1.9263% | 385 |
| Pretax return on assets | 1.9493% | 538 |
| Return on Equity (ROE) | 15.1029% | 742 |
| Retained earnings to average equity (ytd only) | -15.6687% | 6,625 |
| Net charge-offs to loans | 0.0957% | 3,886 |
| Credit loss provision to net charge-offs | 1,687.9310% | 148 |
| Earnings coverage of net charge-offs (x) | 40.3793% | 936 |
| Efficiency ratio | 45.7258% | 6,568 |
| Assets per employee ($millions) | 5.6515% | 1,513 |
| Cash dividends to net income (ytd only)* | 203.7457% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,735 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 4,031 |
| Noncurrent loans to loans | 0.6402% | 4,378 |
| Net loans and leases to total assets | 69.8434% | 2,039 |
| Net loans and leases to deposits | 96.1264% | 722 |
| Net loans and leases to core deposits | 107.6819% | 713 |
| Total domestic deposits to total assets | 72.6578% | 6,375 |
| Equity capital to assets | 9.9339% | 3,855 |
| Core capital (leverage) ratio | 8.9471% | 5,085 |
| Tier 1 risk-based capital ratio | 11.9359% | 5,651 |
| Total risk-based capital ratio | 13.1945% | 5,592 |
| Memoranda: | ||
| Average total assets | $91,469,800 | 4,944 |
| Average earning assets | $79,277,200 | 5,055 |
| Average equity | $11,666,600 | 4,516 |
| Average total loans | $60,604,400 | 4,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 412 |
| Cost of funding earning assets | 0.7051% | 1,917 |
| Net interest margin | 4.7256% | 497 |
| Noninterest income to average assets | 1.0570% | 1,311 |
| Noninterest expense to average assets | 2.2896% | 5,375 |
| Loan and lease loss provision to assets | 0.9226% | 192 |
| Net operating income to assets | 1.8836% | 451 |
| Return on assets (ROA) | 2.4609% | 186 |
| Pretax return on assets | 2.4845% | 251 |
| Return on Equity (ROE) | 18.2222% | 421 |
| Retained earnings to average equity (ytd only) | 5.1048% | 3,004 |
| Net charge-offs to loans | 0.0796% | 3,814 |
| Credit loss provision to net charge-offs | 1,785.7143% | 185 |
| Earnings coverage of net charge-offs (x) | 54.6518% | 809 |
| Efficiency ratio | 43.1005% | 6,681 |
| Assets per employee ($millions) | 5.2811% | 1,854 |
| Cash dividends to net income (ytd only)* | 71.9856% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 2,924 |
| Loan loss allowance to noncurrent loans | 192.3679% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 4,066 |
| Noncurrent loans to loans | 0.8411% | 4,149 |
| Net loans and leases to total assets | 66.5757% | 2,547 |
| Net loans and leases to deposits | 93.0404% | 897 |
| Net loans and leases to core deposits | 100.9492% | 1,056 |
| Total domestic deposits to total assets | 71.5557% | 6,523 |
| Equity capital to assets | 13.1222% | 1,279 |
| Core capital (leverage) ratio | 11.8401% | 1,782 |
| Tier 1 risk-based capital ratio | 17.1664% | 2,637 |
| Total risk-based capital ratio | 18.4201% | 2,604 |
| Memoranda: | ||
| Average total assets | $90,318,500 | 5,032 |
| Average earning assets | $77,533,500 | 5,153 |
| Average equity | $12,197,250 | 4,460 |
| Average total loans | $58,651,500 | 4,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 184 |
| Cost of funding earning assets | 0.7077% | 2,021 |
| Net interest margin | 5.2937% | 187 |
| Noninterest income to average assets | 1.2265% | 1,031 |
| Noninterest expense to average assets | 2.3934% | 5,076 |
| Loan and lease loss provision to assets | 1.3812% | 102 |
| Net operating income to assets | 1.9315% | 396 |
| Return on assets (ROA) | 2.8045% | 133 |
| Pretax return on assets | 2.8045% | 180 |
| Return on Equity (ROE) | 20.5739% | 269 |
| Retained earnings to average equity (ytd only) | 3.8748% | 3,832 |
| Net charge-offs to loans | 0.0725% | 3,673 |
| Credit loss provision to net charge-offs | 2,976.1905% | 114 |
| Earnings coverage of net charge-offs (x) | 71.3810% | 630 |
| Efficiency ratio | 40.4338% | 6,788 |
| Assets per employee ($millions) | 5.1967% | 1,891 |
| Cash dividends to net income (ytd only)* | 81.1663% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 2,693 |
| Loan loss allowance to noncurrent loans | 192.4710% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 4,146 |
| Noncurrent loans to loans | 0.8957% | 4,137 |
| Net loans and leases to total assets | 64.3371% | 2,865 |
| Net loans and leases to deposits | 87.5616% | 1,396 |
| Net loans and leases to core deposits | 94.5252% | 1,476 |
| Total domestic deposits to total assets | 73.4764% | 6,473 |
| Equity capital to assets | 13.3965% | 1,184 |
| Core capital (leverage) ratio | 11.3264% | 2,073 |
| Tier 1 risk-based capital ratio | 17.6501% | 2,461 |
| Total risk-based capital ratio | 18.9004% | 2,424 |
| Memoranda: | ||
| Average total assets | $90,498,330 | 5,049 |
| Average earning assets | $76,581,670 | 5,211 |
| Average equity | $12,336,000 | 4,455 |
| Average total loans | $57,950,670 | 4,749 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,880 |
| Cost of funding earning assets | 0.6980% | 2,230 |
| Net interest margin | 3.6040% | 3,242 |
| Noninterest income to average assets | 1.0833% | 1,259 |
| Noninterest expense to average assets | 2.2233% | 5,625 |
| Loan and lease loss provision to assets | 0.2184% | 1,698 |
| Net operating income to assets | 1.6598% | 636 |
| Return on assets (ROA) | 1.6598% | 702 |
| Pretax return on assets | 1.6860% | 1,110 |
| Return on Equity (ROE) | 12.0764% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.0764% | 692 |
| Net charge-offs to loans | 0.1448% | 2,538 |
| Credit loss provision to net charge-offs | 238.0952% | 956 |
| Earnings coverage of net charge-offs (x) | 20.7619% | 1,176 |
| Efficiency ratio | 51.8519% | 6,389 |
| Assets per employee ($millions) | 5.3836% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 6,540 |
| Loan loss allowance to noncurrent loans | 75.6272% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 4,275 |
| Noncurrent loans to loans | 0.9745% | 4,186 |
| Net loans and leases to total assets | 62.1031% | 3,040 |
| Net loans and leases to deposits | 84.7759% | 1,501 |
| Net loans and leases to core deposits | 91.2870% | 1,579 |
| Total domestic deposits to total assets | 73.2556% | 6,582 |
| Equity capital to assets | 13.9999% | 1,025 |
| Core capital (leverage) ratio | 11.4937% | 1,889 |
| Tier 1 risk-based capital ratio | 17.7298% | 2,473 |
| Total risk-based capital ratio | 18.4694% | 2,639 |
| Memoranda: | ||
| Average total assets | $91,575,500 | 5,064 |
| Average earning assets | $77,359,000 | 5,225 |
| Average equity | $12,586,500 | 4,457 |
| Average total loans | $58,008,500 | 4,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 3,204 |
| Cost of funding earning assets | 0.8519% | 2,275 |
| Net interest margin | 3.6999% | 3,645 |
| Noninterest income to average assets | 1.2820% | 945 |
| Noninterest expense to average assets | 2.3863% | 5,445 |
| Loan and lease loss provision to assets | 0.2699% | 2,490 |
| Net operating income to assets | 1.8645% | 458 |
| Return on assets (ROA) | 1.8645% | 508 |
| Pretax return on assets | 1.8881% | 769 |
| Return on Equity (ROE) | 13.7856% | 1,037 |
| Retained earnings to average equity (ytd only) | 5.4710% | 2,399 |
| Net charge-offs to loans | 0.0557% | 5,153 |
| Credit loss provision to net charge-offs | 774.1935% | 317 |
| Earnings coverage of net charge-offs (x) | 61.9032% | 582 |
| Efficiency ratio | 50.6063% | 6,549 |
| Assets per employee ($millions) | 5.7268% | 1,495 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 6,673 |
| Loan loss allowance to noncurrent loans | 136.4583% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 5,102 |
| Noncurrent loans to loans | 0.4902% | 5,305 |
| Net loans and leases to total assets | 63.6960% | 2,949 |
| Net loans and leases to deposits | 83.4248% | 1,826 |
| Net loans and leases to core deposits | 89.5442% | 1,886 |
| Total domestic deposits to total assets | 76.3514% | 6,314 |
| Equity capital to assets | 13.4892% | 1,235 |
| Core capital (leverage) ratio | 11.0972% | 2,169 |
| Tier 1 risk-based capital ratio | 16.5221% | 2,871 |
| Total risk-based capital ratio | 17.1904% | 3,154 |
| Memoranda: | ||
| Average total assets | $88,924,400 | 5,117 |
| Average earning assets | $78,408,400 | 5,174 |
| Average equity | $12,027,000 | 4,563 |
| Average total loans | $55,699,200 | 4,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 3,566 |
| Cost of funding earning assets | 0.8709% | 2,386 |
| Net interest margin | 3.6468% | 4,017 |
| Noninterest income to average assets | 1.3824% | 783 |
| Noninterest expense to average assets | 2.4415% | 5,265 |
| Loan and lease loss provision to assets | 0.2719% | 2,401 |
| Net operating income to assets | 1.8855% | 468 |
| Return on assets (ROA) | 1.8855% | 547 |
| Pretax return on assets | 1.9082% | 854 |
| Return on Equity (ROE) | 13.9316% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.5592% | 2,997 |
| Net charge-offs to loans | -0.0146% | 6,430 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9317% | 6,522 |
| Assets per employee ($millions) | 5.1636% | 1,977 |
| Cash dividends to net income (ytd only)* | 60.0964% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 6,802 |
| Loan loss allowance to noncurrent loans | 121.7105% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 5,342 |
| Noncurrent loans to loans | 0.5381% | 5,368 |
| Net loans and leases to total assets | 63.9391% | 3,035 |
| Net loans and leases to deposits | 84.0451% | 1,867 |
| Net loans and leases to core deposits | 87.1781% | 2,319 |
| Total domestic deposits to total assets | 76.0771% | 6,369 |
| Equity capital to assets | 13.9983% | 1,159 |
| Core capital (leverage) ratio | 11.0326% | 2,346 |
| Tier 1 risk-based capital ratio | 16.1379% | 3,200 |
| Total risk-based capital ratio | 16.7640% | 3,490 |
| Memoranda: | ||
| Average total assets | $88,248,250 | 5,185 |
| Average earning assets | $78,386,250 | 5,233 |
| Average equity | $11,943,750 | 4,625 |
| Average total loans | $54,934,750 | 4,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 3,703 |
| Cost of funding earning assets | 0.8750% | 2,605 |
| Net interest margin | 3.6403% | 4,076 |
| Noninterest income to average assets | 1.4547% | 689 |
| Noninterest expense to average assets | 2.4592% | 5,263 |
| Loan and lease loss provision to assets | 0.2715% | 2,410 |
| Net operating income to assets | 1.9320% | 436 |
| Return on assets (ROA) | 1.9320% | 505 |
| Pretax return on assets | 1.9524% | 753 |
| Return on Equity (ROE) | 14.4391% | 1,023 |
| Retained earnings to average equity (ytd only) | 5.9853% | 2,722 |
| Net charge-offs to loans | 0.0184% | 5,153 |
| Credit loss provision to net charge-offs | 2,400.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 196.6000% | 228 |
| Efficiency ratio | 50.6280% | 6,601 |
| Assets per employee ($millions) | 5.1454% | 1,977 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5478% | 6,983 |
| Loan loss allowance to noncurrent loans | 78.8918% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 5,681 |
| Noncurrent loans to loans | 0.6944% | 5,116 |
| Net loans and leases to total assets | 62.0526% | 3,426 |
| Net loans and leases to deposits | 84.4938% | 1,789 |
| Net loans and leases to core deposits | 94.4655% | 1,555 |
| Total domestic deposits to total assets | 73.4403% | 6,716 |
| Equity capital to assets | 13.7989% | 1,179 |
| Core capital (leverage) ratio | 10.6901% | 2,610 |
| Tier 1 risk-based capital ratio | 16.9761% | 2,672 |
| Total risk-based capital ratio | 17.5176% | 2,992 |
| Memoranda: | ||
| Average total assets | $88,403,670 | 5,216 |
| Average earning assets | $78,400,000 | 5,260 |
| Average equity | $11,829,000 | 4,644 |
| Average total loans | $54,414,000 | 5,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 4,002 |
| Cost of funding earning assets | 0.9113% | 2,595 |
| Net interest margin | 3.5689% | 4,398 |
| Noninterest income to average assets | 1.4988% | 639 |
| Noninterest expense to average assets | 2.3990% | 5,470 |
| Loan and lease loss provision to assets | 0.2701% | 2,297 |
| Net operating income to assets | 1.9669% | 448 |
| Return on assets (ROA) | 1.9669% | 513 |
| Pretax return on assets | 1.9849% | 754 |
| Return on Equity (ROE) | 14.9293% | 981 |
| Retained earnings to average equity (ytd only) | 14.9293% | 453 |
| Net charge-offs to loans | 0.0221% | 4,376 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 217 |
| Efficiency ratio | 49.7099% | 6,691 |
| Assets per employee ($millions) | 5.5725% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 7,107 |
| Loan loss allowance to noncurrent loans | 37.3643% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 4,597 |
| Noncurrent loans to loans | 1.1841% | 4,355 |
| Net loans and leases to total assets | 60.8232% | 3,484 |
| Net loans and leases to deposits | 82.1580% | 1,919 |
| Net loans and leases to core deposits | 91.5645% | 1,695 |
| Total domestic deposits to total assets | 74.0321% | 6,742 |
| Equity capital to assets | 13.4051% | 1,271 |
| Core capital (leverage) ratio | 10.6830% | 2,566 |
| Tier 1 risk-based capital ratio | 14.3457% | 4,212 |
| Total risk-based capital ratio | 14.7121% | 4,844 |
| Memoranda: | ||
| Average total assets | $88,870,000 | 5,245 |
| Average earning assets | $78,568,500 | 5,281 |
| Average equity | $11,708,500 | 4,672 |
| Average total loans | $54,332,500 | 5,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 3,708 |
| Cost of funding earning assets | 0.9734% | 3,554 |
| Net interest margin | 3.8477% | 3,582 |
| Noninterest income to average assets | 1.0299% | 1,286 |
| Noninterest expense to average assets | 2.4590% | 5,604 |
| Loan and lease loss provision to assets | 0.2083% | 4,102 |
| Net operating income to assets | 1.7358% | 518 |
| Return on assets (ROA) | 1.7358% | 555 |
| Pretax return on assets | 1.7566% | 884 |
| Return on Equity (ROE) | 14.8497% | 777 |
| Retained earnings to average equity (ytd only) | 2.2473% | 4,610 |
| Net charge-offs to loans | 0.4138% | 3,353 |
| Credit loss provision to net charge-offs | 75.3138% | 4,664 |
| Earnings coverage of net charge-offs (x) | 7.1046% | 2,398 |
| Efficiency ratio | 53.5705% | 6,555 |
| Assets per employee ($millions) | 4.6621% | 2,665 |
| Cash dividends to net income (ytd only)* | 84.8667% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3395% | 7,199 |
| Loan loss allowance to noncurrent loans | 51.6854% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 5,253 |
| Noncurrent loans to loans | 0.6569% | 5,391 |
| Net loans and leases to total assets | 60.9731% | 3,795 |
| Net loans and leases to deposits | 85.6880% | 1,702 |
| Net loans and leases to core deposits | 96.0178% | 1,490 |
| Total domestic deposits to total assets | 71.1571% | 6,918 |
| Equity capital to assets | 12.9431% | 1,520 |
| Core capital (leverage) ratio | 10.3414% | 2,919 |
| Tier 1 risk-based capital ratio | 15.8610% | 3,122 |
| Total risk-based capital ratio | 16.1860% | 3,641 |
| Memoranda: | ||
| Average total assets | $86,416,800 | 5,282 |
| Average earning assets | $76,227,200 | 5,335 |
| Average equity | $10,101,200 | 4,986 |
| Average total loans | $57,757,400 | 4,957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 3,638 |
| Cost of funding earning assets | 0.9964% | 3,698 |
| Net interest margin | 3.8835% | 3,465 |
| Noninterest income to average assets | 0.9812% | 1,387 |
| Noninterest expense to average assets | 2.5649% | 5,216 |
| Loan and lease loss provision to assets | 0.2096% | 3,928 |
| Net operating income to assets | 1.6100% | 757 |
| Return on assets (ROA) | 1.6100% | 830 |
| Pretax return on assets | 1.6318% | 1,299 |
| Return on Equity (ROE) | 14.1659% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.3357% | 1,795 |
| Net charge-offs to loans | 0.4729% | 2,847 |
| Credit loss provision to net charge-offs | 64.9038% | 4,638 |
| Earnings coverage of net charge-offs (x) | 5.7018% | 2,717 |
| Efficiency ratio | 56.1663% | 6,259 |
| Assets per employee ($millions) | 4.6181% | 2,732 |
| Cash dividends to net income (ytd only)* | 48.2161% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 7,282 |
| Loan loss allowance to noncurrent loans | 44.6194% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,414 |
| Noncurrent loans to loans | 0.6996% | 5,485 |
| Net loans and leases to total assets | 61.8732% | 3,759 |
| Net loans and leases to deposits | 84.0337% | 1,992 |
| Net loans and leases to core deposits | 93.8900% | 1,802 |
| Total domestic deposits to total assets | 73.6290% | 6,800 |
| Equity capital to assets | 13.4425% | 1,393 |
| Core capital (leverage) ratio | 11.2177% | 2,218 |
| Tier 1 risk-based capital ratio | 15.9977% | 3,121 |
| Total risk-based capital ratio | 16.2911% | 3,609 |
| Memoranda: | ||
| Average total assets | $85,876,000 | 5,331 |
| Average earning assets | $75,738,250 | 5,393 |
| Average equity | $9,760,250 | 5,105 |
| Average total loans | $58,648,250 | 4,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,493 |
| Cost of funding earning assets | 0.9735% | 4,138 |
| Net interest margin | 3.9552% | 3,068 |
| Noninterest income to average assets | 0.9290% | 1,540 |
| Noninterest expense to average assets | 2.5618% | 5,320 |
| Loan and lease loss provision to assets | 0.2111% | 3,801 |
| Net operating income to assets | 1.6234% | 701 |
| Return on assets (ROA) | 1.6234% | 741 |
| Pretax return on assets | 1.6445% | 1,165 |
| Return on Equity (ROE) | 15.2389% | 757 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,508 |
| Net charge-offs to loans | 0.0167% | 5,608 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 158.2000% | 226 |
| Efficiency ratio | 55.9214% | 6,431 |
| Assets per employee ($millions) | 4.4426% | 2,936 |
| Cash dividends to net income (ytd only)* | 72.2543% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 7,172 |
| Loan loss allowance to noncurrent loans | 39.6614% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 4,885 |
| Noncurrent loans to loans | 1.4488% | 4,246 |
| Net loans and leases to total assets | 67.2381% | 2,783 |
| Net loans and leases to deposits | 88.9939% | 1,375 |
| Net loans and leases to core deposits | 89.5557% | 2,432 |
| Total domestic deposits to total assets | 75.5536% | 6,665 |
| Equity capital to assets | 11.0379% | 2,914 |
| Core capital (leverage) ratio | 8.4032% | 5,704 |
| Tier 1 risk-based capital ratio | 12.0242% | 5,771 |
| Total risk-based capital ratio | 12.5808% | 6,287 |
| Memoranda: | ||
| Average total assets | $85,253,330 | 5,387 |
| Average earning assets | $75,191,670 | 5,457 |
| Average equity | $9,082,000 | 5,300 |
| Average total loans | $60,044,330 | 4,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 4,018 |
| Cost of funding earning assets | 0.8898% | 4,995 |
| Net interest margin | 3.9193% | 3,049 |
| Noninterest income to average assets | 0.8404% | 1,884 |
| Noninterest expense to average assets | 2.5912% | 5,260 |
| Loan and lease loss provision to assets | 0.2101% | 3,544 |
| Net operating income to assets | 1.4707% | 931 |
| Return on assets (ROA) | 1.4707% | 972 |
| Pretax return on assets | 1.4940% | 1,466 |
| Return on Equity (ROE) | 14.0554% | 981 |
| Retained earnings to average equity (ytd only) | 14.0554% | 469 |
| Net charge-offs to loans | 0.0325% | 4,644 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 425 |
| Efficiency ratio | 58.2609% | 6,234 |
| Assets per employee ($millions) | 4.4599% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4798% | 7,297 |
| Loan loss allowance to noncurrent loans | 15.1095% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 2.5361% | 2,693 |
| Noncurrent loans to loans | 3.1755% | 2,366 |
| Net loans and leases to total assets | 69.2723% | 2,272 |
| Net loans and leases to deposits | 91.4373% | 1,069 |
| Net loans and leases to core deposits | 104.0485% | 1,059 |
| Total domestic deposits to total assets | 75.7594% | 6,702 |
| Equity capital to assets | 10.8240% | 2,857 |
| Core capital (leverage) ratio | 8.4998% | 5,453 |
| Tier 1 risk-based capital ratio | 11.8444% | 5,822 |
| Total risk-based capital ratio | 12.3106% | 6,444 |
| Memoranda: | ||
| Average total assets | $85,675,500 | 5,417 |
| Average earning assets | $75,523,000 | 5,493 |
| Average equity | $8,964,500 | 5,344 |
| Average total loans | $61,525,000 | 4,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 6,868 |
| Cost of funding earning assets | 0.9746% | 5,819 |
| Net interest margin | 3.2688% | 6,071 |
| Noninterest income to average assets | 0.8656% | 1,993 |
| Noninterest expense to average assets | 2.3251% | 6,287 |
| Loan and lease loss provision to assets | 0.2823% | 4,547 |
| Net operating income to assets | 1.1432% | 1,566 |
| Return on assets (ROA) | 1.0855% | 1,832 |
| Pretax return on assets | 1.1067% | 2,554 |
| Return on Equity (ROE) | 11.2894% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.2894% | 352 |
| Net charge-offs to loans | -0.0046% | 7,258 |
| Credit loss provision to net charge-offs | -8,000.0000% | 7,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6010% | 6,106 |
| Assets per employee ($millions) | 5.4133% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 7,438 |
| Loan loss allowance to noncurrent loans | 29.1367% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 4,468 |
| Noncurrent loans to loans | 1.3018% | 4,538 |
| Net loans and leases to total assets | 73.6887% | 1,724 |
| Net loans and leases to deposits | 100.6180% | 542 |
| Net loans and leases to core deposits | 114.6862% | 689 |
| Total domestic deposits to total assets | 73.2361% | 6,976 |
| Equity capital to assets | 10.1105% | 3,600 |
| Core capital (leverage) ratio | 8.0811% | 6,060 |
| Tier 1 risk-based capital ratio | 10.5881% | 6,647 |
| Total risk-based capital ratio | 10.9634% | 7,079 |
| Memoranda: | ||
| Average total assets | $85,027,800 | 5,438 |
| Average earning assets | $75,624,200 | 5,490 |
| Average equity | $8,175,800 | 5,659 |
| Average total loans | $65,490,600 | 4,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 7,061 |
| Cost of funding earning assets | 0.9362% | 6,242 |
| Net interest margin | 3.2874% | 6,060 |
| Noninterest income to average assets | 0.8523% | 1,987 |
| Noninterest expense to average assets | 2.2245% | 6,538 |
| Loan and lease loss provision to assets | 0.1434% | 5,601 |
| Net operating income to assets | 1.4013% | 1,103 |
| Return on assets (ROA) | 1.3233% | 1,368 |
| Pretax return on assets | 1.3375% | 2,073 |
| Return on Equity (ROE) | 13.9465% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.9465% | 278 |
| Net charge-offs to loans | 0.0101% | 6,524 |
| Credit loss provision to net charge-offs | 1,820.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 197.8966% | 165 |
| Efficiency ratio | 58.7843% | 6,150 |
| Assets per employee ($millions) | 4.2574% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1295% | 7,661 |
| Loan loss allowance to noncurrent loans | 11.3456% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 5,320 |
| Noncurrent loans to loans | 1.1415% | 4,955 |
| Net loans and leases to total assets | 77.8853% | 1,058 |
| Net loans and leases to deposits | 107.0838% | 319 |
| Net loans and leases to core deposits | 128.4267% | 404 |
| Total domestic deposits to total assets | 72.7330% | 7,062 |
| Equity capital to assets | 10.1930% | 3,890 |
| Core capital (leverage) ratio | 8.0933% | 6,209 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,957 |
| Total risk-based capital ratio | 10.3355% | 7,363 |
| Memoranda: | ||
| Average total assets | $84,631,500 | 5,516 |
| Average earning assets | $75,477,750 | 5,561 |
| Average equity | $8,030,500 | 5,780 |
| Average total loans | $65,846,500 | 4,913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 7,466 |
| Cost of funding earning assets | 1.2440% | 4,873 |
| Net interest margin | 2.6015% | 7,347 |
| Noninterest income to average assets | 0.8051% | 2,091 |
| Noninterest expense to average assets | 1.7878% | 7,402 |
| Loan and lease loss provision to assets | 0.0971% | 5,941 |
| Net operating income to assets | 1.2266% | 1,491 |
| Return on assets (ROA) | 1.1106% | 1,887 |
| Pretax return on assets | 1.1343% | 2,658 |
| Return on Equity (ROE) | 12.0036% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.0036% | 493 |
| Net charge-offs to loans | 0.0091% | 6,225 |
| Credit loss provision to net charge-offs | 1,366.6667% | 289 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 176 |
| Efficiency ratio | 56.9811% | 6,509 |
| Assets per employee ($millions) | 4.7216% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0590% | 7,747 |
| Loan loss allowance to noncurrent loans | 5.2342% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 5,407 |
| Noncurrent loans to loans | 1.1281% | 5,073 |
| Net loans and leases to total assets | 75.6766% | 1,549 |
| Net loans and leases to deposits | 102.2349% | 584 |
| Net loans and leases to core deposits | 120.3113% | 683 |
| Total domestic deposits to total assets | 74.0222% | 6,965 |
| Equity capital to assets | 9.7696% | 4,314 |
| Core capital (leverage) ratio | 8.2186% | 5,910 |
| Tier 1 risk-based capital ratio | 10.3846% | 6,775 |
| Total risk-based capital ratio | 10.4437% | 7,372 |
| Memoranda: | ||
| Average total assets | $84,459,670 | 5,550 |
| Average earning assets | $75,725,670 | 5,586 |
| Average equity | $7,814,330 | 5,867 |
| Average total loans | $65,661,000 | 4,952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0573% | 7,871 |
| Cost of funding earning assets | 0.6699% | 7,399 |
| Net interest margin | 1.3873% | 7,847 |
| Noninterest income to average assets | 0.5131% | 3,947 |
| Noninterest expense to average assets | 0.6984% | 7,900 |
| Loan and lease loss provision to assets | 0.0523% | 6,145 |
| Net operating income to assets | 0.9929% | 2,215 |
| Return on assets (ROA) | 0.7601% | 3,266 |
| Pretax return on assets | 0.7744% | 3,973 |
| Return on Equity (ROE) | 8.4544% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.4544% | 1,548 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6226% | 7,743 |
| Assets per employee ($millions) | 4.6926% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0168% | 7,856 |
| Loan loss allowance to noncurrent loans | 1.2615% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 5,088 |
| Noncurrent loans to loans | 1.3329% | 4,752 |
| Net loans and leases to total assets | 77.4397% | 1,263 |
| Net loans and leases to deposits | 106.9909% | 385 |
| Net loans and leases to core deposits | 126.5570% | 571 |
| Total domestic deposits to total assets | 72.3797% | 7,229 |
| Equity capital to assets | 9.4060% | 4,669 |
| Core capital (leverage) ratio | 7.8087% | 6,492 |
| Tier 1 risk-based capital ratio | 9.8477% | 7,119 |
| Total risk-based capital ratio | 9.8647% | 7,565 |
| Memoranda: | ||
| Average total assets | $84,195,500 | 5,628 |
| Average earning assets | $75,829,000 | 5,642 |
| Average equity | $7,570,000 | 5,987 |
| Average total loans | $66,314,500 | 4,993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 1,899 |
| Cost of funding earning assets | 1.8872% | 3,531 |
| Net interest margin | 4.1060% | 2,420 |
| Noninterest income to average assets | 0.9323% | 1,826 |
| Noninterest expense to average assets | 2.3344% | 6,650 |
| Loan and lease loss provision to assets | 0.1550% | 6,121 |
| Net operating income to assets | 1.5698% | 582 |
| Return on assets (ROA) | 1.5698% | 629 |
| Pretax return on assets | 2.1957% | 278 |
| Return on Equity (ROE) | 19.2555% | 285 |
| Retained earnings to average equity (ytd only) | 4.9604% | 1,838 |
| Net charge-offs to loans | 0.1062% | 6,086 |
| Credit loss provision to net charge-offs | 187.3239% | 2,157 |
| Earnings coverage of net charge-offs (x) | 28.4085% | 807 |
| Efficiency ratio | 49.8259% | 7,549 |
| Assets per employee ($millions) | 4.4171% | 3,071 |
| Cash dividends to net income (ytd only)* | 74.2390% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 7,072 |
| Loan loss allowance to noncurrent loans | 59.3111% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 4,873 |
| Noncurrent loans to loans | 1.3823% | 4,611 |
| Net loans and leases to total assets | 79.4242% | 1,112 |
| Net loans and leases to deposits | 105.8553% | 557 |
| Net loans and leases to core deposits | 110.2372% | 2,869 |
| Total domestic deposits to total assets | 75.0310% | 6,860 |
| Equity capital to assets | 8.5732% | 5,760 |
| Core capital (leverage) ratio | 8.2510% | 5,723 |
| Tier 1 risk-based capital ratio | 10.4239% | 6,473 |
| Total risk-based capital ratio | 11.2521% | 6,838 |
| Memoranda: | ||
| Average total assets | $85,805,400 | 5,532 |
| Average earning assets | $78,421,200 | 5,512 |
| Average equity | $6,995,400 | 6,270 |
| Average total loans | $66,872,600 | 4,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9772% | 2,125 |
| Cost of funding earning assets | 1.8850% | 3,955 |
| Net interest margin | 4.0923% | 2,431 |
| Noninterest income to average assets | 0.8994% | 1,980 |
| Noninterest expense to average assets | 2.2686% | 6,784 |
| Loan and lease loss provision to assets | 0.1391% | 5,965 |
| Net operating income to assets | 1.5392% | 746 |
| Return on assets (ROA) | 1.5392% | 802 |
| Pretax return on assets | 2.2393% | 320 |
| Return on Equity (ROE) | 19.1199% | 356 |
| Retained earnings to average equity (ytd only) | -0.0767% | 5,226 |
| Net charge-offs to loans | 0.0998% | 5,672 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 30.7777% | 923 |
| Efficiency ratio | 48.8194% | 7,629 |
| Assets per employee ($millions) | 4.4199% | 2,990 |
| Cash dividends to net income (ytd only)* | 100.4014% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,157 |
| Loan loss allowance to noncurrent loans | 105.5888% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 5,959 |
| Noncurrent loans to loans | 0.7472% | 5,814 |
| Net loans and leases to total assets | 79.2079% | 1,347 |
| Net loans and leases to deposits | 111.8551% | 397 |
| Net loans and leases to core deposits | 116.1440% | 2,608 |
| Total domestic deposits to total assets | 70.8129% | 7,349 |
| Equity capital to assets | 8.1616% | 6,681 |
| Core capital (leverage) ratio | 7.9140% | 6,484 |
| Tier 1 risk-based capital ratio | 9.9876% | 6,995 |
| Total risk-based capital ratio | 10.7898% | 7,306 |
| Memoranda: | ||
| Average total assets | $86,275,750 | 5,543 |
| Average earning assets | $79,008,750 | 5,525 |
| Average equity | $6,945,500 | 6,334 |
| Average total loans | $66,789,000 | 5,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9261% | 2,474 |
| Cost of funding earning assets | 1.8851% | 4,346 |
| Net interest margin | 4.0410% | 2,538 |
| Noninterest income to average assets | 0.8961% | 2,005 |
| Noninterest expense to average assets | 2.2748% | 6,839 |
| Loan and lease loss provision to assets | 0.1379% | 5,696 |
| Net operating income to assets | 1.5510% | 752 |
| Return on assets (ROA) | 1.5510% | 811 |
| Pretax return on assets | 2.1875% | 369 |
| Return on Equity (ROE) | 19.3521% | 378 |
| Retained earnings to average equity (ytd only) | 5.0172% | 2,494 |
| Net charge-offs to loans | 0.1229% | 4,932 |
| Credit loss provision to net charge-offs | 146.3415% | 3,161 |
| Earnings coverage of net charge-offs (x) | 24.6829% | 1,147 |
| Efficiency ratio | 49.4505% | 7,696 |
| Assets per employee ($millions) | 4.3332% | 3,050 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 7,212 |
| Loan loss allowance to noncurrent loans | 136.5591% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 6,311 |
| Noncurrent loans to loans | 0.5730% | 6,117 |
| Net loans and leases to total assets | 78.2364% | 1,690 |
| Net loans and leases to deposits | 113.7017% | 408 |
| Net loans and leases to core deposits | 118.7230% | 2,481 |
| Total domestic deposits to total assets | 68.8085% | 7,568 |
| Equity capital to assets | 8.4951% | 6,054 |
| Core capital (leverage) ratio | 8.2538% | 5,881 |
| Tier 1 risk-based capital ratio | 10.4720% | 6,400 |
| Total risk-based capital ratio | 11.2585% | 6,843 |
| Memoranda: | ||
| Average total assets | $87,041,330 | 5,553 |
| Average earning assets | $79,782,670 | 5,538 |
| Average equity | $6,976,000 | 6,379 |
| Average total loans | $66,703,000 | 5,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 2,791 |
| Cost of funding earning assets | 1.8839% | 4,715 |
| Net interest margin | 4.0168% | 2,580 |
| Noninterest income to average assets | 0.8278% | 2,188 |
| Noninterest expense to average assets | 2.0761% | 7,178 |
| Loan and lease loss provision to assets | 0.1342% | 5,241 |
| Net operating income to assets | 1.6645% | 698 |
| Return on assets (ROA) | 1.6645% | 763 |
| Pretax return on assets | 2.2999% | 365 |
| Return on Equity (ROE) | 21.3578% | 338 |
| Retained earnings to average equity (ytd only) | 21.3578% | 136 |
| Net charge-offs to loans | 0.1302% | 3,921 |
| Credit loss provision to net charge-offs | 136.3636% | 2,975 |
| Earnings coverage of net charge-offs (x) | 24.7273% | 1,231 |
| Efficiency ratio | 46.0317% | 7,841 |
| Assets per employee ($millions) | 4.7269% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 7,281 |
| Loan loss allowance to noncurrent loans | 128.4238% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 6,124 |
| Noncurrent loans to loans | 0.5937% | 5,912 |
| Net loans and leases to total assets | 76.0260% | 2,259 |
| Net loans and leases to deposits | 108.9118% | 675 |
| Net loans and leases to core deposits | 115.1058% | 2,902 |
| Total domestic deposits to total assets | 69.8051% | 7,443 |
| Equity capital to assets | 8.4364% | 6,172 |
| Core capital (leverage) ratio | 8.1396% | 6,204 |
| Tier 1 risk-based capital ratio | 10.6228% | 6,271 |
| Total risk-based capital ratio | 11.3812% | 6,691 |
| Memoranda: | ||
| Average total assets | $89,397,000 | 5,508 |
| Average earning assets | $81,956,500 | 5,490 |
| Average equity | $6,967,000 | 6,426 |
| Average total loans | $67,594,500 | 5,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3654% | 3,606 |
| Cost of funding earning assets | 2.6154% | 3,604 |
| Net interest margin | 3.7500% | 4,225 |
| Noninterest income to average assets | 0.8843% | 2,036 |
| Noninterest expense to average assets | 2.2138% | 6,931 |
| Loan and lease loss provision to assets | 0.0740% | 6,474 |
| Net operating income to assets | 1.4405% | 1,143 |
| Return on assets (ROA) | 1.4405% | 1,099 |
| Pretax return on assets | 2.0205% | 572 |
| Return on Equity (ROE) | 18.7913% | 466 |
| Retained earnings to average equity (ytd only) | 11.0070% | 325 |
| Net charge-offs to loans | 0.0190% | 6,598 |
| Credit loss provision to net charge-offs | 516.6667% | 849 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 313 |
| Efficiency ratio | 51.3850% | 7,551 |
| Assets per employee ($millions) | 5.2061% | 1,720 |
| Cash dividends to net income (ytd only)* | 41.4250% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 7,426 |
| Loan loss allowance to noncurrent loans | 222.2727% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 6,631 |
| Noncurrent loans to loans | 0.3143% | 6,433 |
| Net loans and leases to total assets | 74.1831% | 3,067 |
| Net loans and leases to deposits | 111.1063% | 759 |
| Net loans and leases to core deposits | 118.3711% | 2,846 |
| Total domestic deposits to total assets | 66.7677% | 7,595 |
| Equity capital to assets | 7.2095% | 7,621 |
| Core capital (leverage) ratio | 7.5894% | 7,087 |
| Tier 1 risk-based capital ratio | 9.3068% | 7,517 |
| Total risk-based capital ratio | 9.9975% | 8,011 |
| Memoranda: | ||
| Average total assets | $83,792,600 | 5,571 |
| Average earning assets | $76,507,600 | 5,565 |
| Average equity | $6,423,200 | 6,671 |
| Average total loans | $63,034,000 | 5,139 |