Home > Citizens National Bank of Wills Point > Performance and Condition Ratios
Citizens National Bank of Wills Point, 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 | 3.9985% | 3,238 |
| Cost of funding earning assets | 0.4522% | 2,536 |
| Net interest margin | 3.5463% | 3,291 |
| Noninterest income to average assets | 0.5375% | 2,994 |
| Noninterest expense to average assets | 3.3290% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4690% | 4,805 |
| Return on assets (ROA) | 0.4690% | 4,881 |
| Pretax return on assets | 0.4690% | 5,190 |
| Return on Equity (ROE) | 4.4803% | 4,728 |
| Retained earnings to average equity (ytd only) | -10.3146% | 5,848 |
| Net charge-offs to loans | 0.0034% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 246.1873% | 322 |
| Efficiency ratio | 87.6503% | 697 |
| Assets per employee ($millions) | 5.4319% | 1,926 |
| Cash dividends to net income (ytd only)* | 330.2212% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,671 |
| Loan loss allowance to noncurrent loans | 833.3333% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,198 |
| Noncurrent loans to loans | 0.1138% | 4,884 |
| Net loans and leases to total assets | 53.2003% | 4,564 |
| Net loans and leases to deposits | 58.8838% | 4,829 |
| Net loans and leases to core deposits | 65.1246% | 4,663 |
| Total domestic deposits to total assets | 90.3480% | 366 |
| Equity capital to assets | 9.3377% | 4,833 |
| Core capital (leverage) ratio | 9.4551% | 4,243 |
| Tier 1 risk-based capital ratio | 14.1659% | 3,474 |
| Total risk-based capital ratio | 14.9833% | 3,635 |
| Memoranda: | ||
| Average total assets | $140,139,750 | 3,692 |
| Average earning assets | $128,845,250 | 3,688 |
| Average equity | $14,671,500 | 3,886 |
| Average total loans | $77,768,000 | 3,883 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,262 |
| Cost of funding earning assets | 0.4506% | 2,563 |
| Net interest margin | 3.5434% | 3,316 |
| Noninterest income to average assets | 0.5391% | 2,963 |
| Noninterest expense to average assets | 2.2239% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6422% | 653 |
| Return on assets (ROA) | 1.6422% | 695 |
| Pretax return on assets | 1.6422% | 1,249 |
| Return on Equity (ROE) | 15.0796% | 661 |
| Retained earnings to average equity (ytd only) | 2.0097% | 4,557 |
| Net charge-offs to loans | 0.0052% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 559.0000% | 117 |
| Efficiency ratio | 57.5228% | 4,969 |
| Assets per employee ($millions) | 4.9475% | 2,360 |
| Cash dividends to net income (ytd only)* | 86.6726% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,582 |
| Loan loss allowance to noncurrent loans | 851.6484% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 5,293 |
| Noncurrent loans to loans | 0.1161% | 4,980 |
| Net loans and leases to total assets | 55.9997% | 4,310 |
| Net loans and leases to deposits | 63.2048% | 4,555 |
| Net loans and leases to core deposits | 70.2557% | 4,304 |
| Total domestic deposits to total assets | 88.6004% | 1,116 |
| Equity capital to assets | 11.0993% | 2,946 |
| Core capital (leverage) ratio | 10.5602% | 2,894 |
| Tier 1 risk-based capital ratio | 17.9406% | 1,945 |
| Total risk-based capital ratio | 18.9060% | 1,990 |
| Memoranda: | ||
| Average total assets | $136,155,330 | 3,780 |
| Average earning assets | $127,842,330 | 3,726 |
| Average equity | $14,828,000 | 3,886 |
| Average total loans | $76,461,000 | 3,938 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,268 |
| Cost of funding earning assets | 0.4541% | 2,538 |
| Net interest margin | 3.5317% | 3,355 |
| Noninterest income to average assets | 0.5453% | 2,835 |
| Noninterest expense to average assets | 2.1279% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7367% | 525 |
| Return on assets (ROA) | 1.7367% | 561 |
| Pretax return on assets | 1.7367% | 974 |
| Return on Equity (ROE) | 16.1055% | 524 |
| Retained earnings to average equity (ytd only) | -3.6828% | 5,528 |
| Net charge-offs to loans | -0.0053% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0613% | 5,284 |
| Assets per employee ($millions) | 5.0569% | 2,281 |
| Cash dividends to net income (ytd only)* | 122.8669% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.1737% | 4,338 |
| Net loans and leases to deposits | 61.8998% | 4,580 |
| Net loans and leases to core deposits | 68.6159% | 4,347 |
| Total domestic deposits to total assets | 89.1340% | 1,030 |
| Equity capital to assets | 10.6324% | 3,329 |
| Core capital (leverage) ratio | 10.2770% | 3,229 |
| Tier 1 risk-based capital ratio | 17.9544% | 1,994 |
| Total risk-based capital ratio | 18.9438% | 2,036 |
| Memoranda: | ||
| Average total assets | $134,967,500 | 3,819 |
| Average earning assets | $126,849,500 | 3,769 |
| Average equity | $14,554,000 | 3,922 |
| Average total loans | $75,515,500 | 3,986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 2,924 |
| Cost of funding earning assets | 0.4615% | 2,524 |
| Net interest margin | 3.6372% | 2,991 |
| Noninterest income to average assets | 0.5799% | 2,832 |
| Noninterest expense to average assets | 2.2344% | 4,967 |
| Loan and lease loss provision to assets | 0.0215% | 3,956 |
| Net operating income to assets | 1.7404% | 538 |
| Return on assets (ROA) | 1.7404% | 561 |
| Pretax return on assets | 1.7404% | 913 |
| Return on Equity (ROE) | 15.8193% | 575 |
| Retained earnings to average equity (ytd only) | 8.0398% | 901 |
| Net charge-offs to loans | 0.0113% | 4,078 |
| Credit loss provision to net charge-offs | 337.5000% | 888 |
| Earnings coverage of net charge-offs (x) | 276.8750% | 263 |
| Efficiency ratio | 55.9116% | 5,352 |
| Assets per employee ($millions) | 4.9407% | 2,434 |
| Cash dividends to net income (ytd only)* | 49.1773% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.5806% | 4,331 |
| Net loans and leases to deposits | 62.4897% | 4,596 |
| Net loans and leases to core deposits | 68.3367% | 4,418 |
| Total domestic deposits to total assets | 88.9437% | 1,144 |
| Equity capital to assets | 10.9379% | 2,887 |
| Core capital (leverage) ratio | 10.7282% | 2,683 |
| Tier 1 risk-based capital ratio | 19.3721% | 1,618 |
| Total risk-based capital ratio | 20.4281% | 1,619 |
| Memoranda: | ||
| Average total assets | $125,718,200 | 3,966 |
| Average earning assets | $118,084,400 | 3,923 |
| Average equity | $13,831,200 | 4,004 |
| Average total loans | $70,939,000 | 4,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 2,917 |
| Cost of funding earning assets | 0.4641% | 2,542 |
| Net interest margin | 3.6392% | 3,001 |
| Noninterest income to average assets | 0.5783% | 2,860 |
| Noninterest expense to average assets | 2.2520% | 4,904 |
| Loan and lease loss provision to assets | 0.0302% | 3,631 |
| Net operating income to assets | 1.7167% | 602 |
| Return on assets (ROA) | 1.7167% | 630 |
| Pretax return on assets | 1.7167% | 1,062 |
| Return on Equity (ROE) | 15.5798% | 653 |
| Retained earnings to average equity (ytd only) | 5.0630% | 2,868 |
| Net charge-offs to loans | 0.0114% | 3,778 |
| Credit loss provision to net charge-offs | 466.6667% | 687 |
| Earnings coverage of net charge-offs (x) | 270.3263% | 262 |
| Efficiency ratio | 56.3156% | 5,309 |
| Assets per employee ($millions) | 4.7606% | 2,610 |
| Cash dividends to net income (ytd only)* | 67.5031% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.4923% | 4,296 |
| Net loans and leases to deposits | 63.6203% | 4,588 |
| Net loans and leases to core deposits | 69.7960% | 4,387 |
| Total domestic deposits to total assets | 88.7961% | 1,130 |
| Equity capital to assets | 10.9316% | 3,098 |
| Core capital (leverage) ratio | 10.6609% | 2,867 |
| Tier 1 risk-based capital ratio | 19.3544% | 1,692 |
| Total risk-based capital ratio | 20.4597% | 1,693 |
| Memoranda: | ||
| Average total assets | $123,798,000 | 4,048 |
| Average earning assets | $116,358,750 | 3,997 |
| Average equity | $13,641,250 | 4,074 |
| Average total loans | $69,943,500 | 4,136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,017 |
| Cost of funding earning assets | 0.4696% | 2,521 |
| Net interest margin | 3.5978% | 3,104 |
| Noninterest income to average assets | 0.5662% | 2,937 |
| Noninterest expense to average assets | 2.2992% | 4,848 |
| Loan and lease loss provision to assets | 0.0131% | 3,859 |
| Net operating income to assets | 1.6266% | 711 |
| Return on assets (ROA) | 1.6266% | 743 |
| Pretax return on assets | 1.6266% | 1,262 |
| Return on Equity (ROE) | 14.7208% | 779 |
| Retained earnings to average equity (ytd only) | 1.8956% | 4,748 |
| Net charge-offs to loans | 0.0087% | 3,600 |
| Credit loss provision to net charge-offs | 266.6667% | 1,000 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 208 |
| Efficiency ratio | 58.3714% | 5,177 |
| Assets per employee ($millions) | 4.4760% | 3,019 |
| Cash dividends to net income (ytd only)* | 87.1227% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.8663% | 4,238 |
| Net loans and leases to deposits | 63.9411% | 4,546 |
| Net loans and leases to core deposits | 70.4862% | 4,280 |
| Total domestic deposits to total assets | 88.9355% | 1,171 |
| Equity capital to assets | 10.8307% | 3,075 |
| Core capital (leverage) ratio | 10.6029% | 2,846 |
| Tier 1 risk-based capital ratio | 19.2352% | 1,736 |
| Total risk-based capital ratio | 20.4848% | 1,705 |
| Memoranda: | ||
| Average total assets | $122,218,670 | 4,111 |
| Average earning assets | $114,570,330 | 4,057 |
| Average equity | $13,504,670 | 4,123 |
| Average total loans | $68,793,670 | 4,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,184 |
| Cost of funding earning assets | 0.4747% | 2,508 |
| Net interest margin | 3.5388% | 3,267 |
| Noninterest income to average assets | 0.5437% | 3,000 |
| Noninterest expense to average assets | 2.3205% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5348% | 796 |
| Return on assets (ROA) | 1.5348% | 837 |
| Pretax return on assets | 1.5348% | 1,441 |
| Return on Equity (ROE) | 13.7491% | 925 |
| Retained earnings to average equity (ytd only) | -7.8099% | 6,068 |
| Net charge-offs to loans | -0.0060% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1892% | 5,071 |
| Assets per employee ($millions) | 4.5755% | 2,934 |
| Cash dividends to net income (ytd only)* | 156.8035% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.5962% | 4,356 |
| Net loans and leases to deposits | 61.3344% | 4,635 |
| Net loans and leases to core deposits | 66.6341% | 4,463 |
| Total domestic deposits to total assets | 89.0139% | 1,260 |
| Equity capital to assets | 10.8169% | 3,176 |
| Core capital (leverage) ratio | 10.2177% | 3,321 |
| Tier 1 risk-based capital ratio | 18.3227% | 2,056 |
| Total risk-based capital ratio | 18.3227% | 2,412 |
| Memoranda: | ||
| Average total assets | $120,663,500 | 4,174 |
| Average earning assets | $112,919,500 | 4,122 |
| Average equity | $13,470,000 | 4,154 |
| Average total loans | $67,174,000 | 4,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,803 |
| Cost of funding earning assets | 0.4759% | 2,928 |
| Net interest margin | 3.7682% | 2,739 |
| Noninterest income to average assets | 0.6476% | 2,562 |
| Noninterest expense to average assets | 2.4005% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7421% | 529 |
| Return on assets (ROA) | 1.7421% | 541 |
| Pretax return on assets | 1.7421% | 906 |
| Return on Equity (ROE) | 14.8817% | 800 |
| Retained earnings to average equity (ytd only) | 5.4171% | 2,319 |
| Net charge-offs to loans | 0.0286% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 107.4444% | 490 |
| Efficiency ratio | 57.9474% | 5,461 |
| Assets per employee ($millions) | 4.3626% | 3,252 |
| Cash dividends to net income (ytd only)* | 63.5988% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.5103% | 4,387 |
| Net loans and leases to deposits | 62.9089% | 4,645 |
| Net loans and leases to core deposits | 68.7142% | 4,429 |
| Total domestic deposits to total assets | 88.2391% | 1,640 |
| Equity capital to assets | 11.5265% | 2,409 |
| Core capital (leverage) ratio | 11.1450% | 2,265 |
| Tier 1 risk-based capital ratio | 19.0631% | 1,828 |
| Total risk-based capital ratio | 19.9901% | 1,889 |
| Memoranda: | ||
| Average total assets | $111,018,600 | 4,365 |
| Average earning assets | $102,966,400 | 4,329 |
| Average equity | $12,995,800 | 4,199 |
| Average total loans | $63,043,200 | 4,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,711 |
| Cost of funding earning assets | 0.4729% | 3,024 |
| Net interest margin | 3.8071% | 2,598 |
| Noninterest income to average assets | 0.6939% | 2,354 |
| Noninterest expense to average assets | 2.4147% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8037% | 511 |
| Return on assets (ROA) | 1.8037% | 522 |
| Pretax return on assets | 1.8037% | 888 |
| Return on Equity (ROE) | 15.3453% | 763 |
| Retained earnings to average equity (ytd only) | 2.7288% | 4,648 |
| Net charge-offs to loans | 0.0150% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 211.3558% | 309 |
| Efficiency ratio | 57.2420% | 5,538 |
| Assets per employee ($millions) | 4.0297% | 3,815 |
| Cash dividends to net income (ytd only)* | 82.2176% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 56.7126% | 4,237 |
| Net loans and leases to deposits | 64.5165% | 4,481 |
| Net loans and leases to core deposits | 70.7588% | 4,265 |
| Total domestic deposits to total assets | 87.9041% | 1,813 |
| Equity capital to assets | 11.6767% | 2,336 |
| Core capital (leverage) ratio | 11.2324% | 2,285 |
| Tier 1 risk-based capital ratio | 17.6790% | 2,326 |
| Total risk-based capital ratio | 18.7468% | 2,358 |
| Memoranda: | ||
| Average total assets | $109,326,000 | 4,438 |
| Average earning assets | $101,210,750 | 4,407 |
| Average equity | $12,850,500 | 4,249 |
| Average total loans | $62,268,500 | 4,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 2,663 |
| Cost of funding earning assets | 0.4676% | 3,134 |
| Net interest margin | 3.8124% | 2,524 |
| Noninterest income to average assets | 0.6694% | 2,430 |
| Noninterest expense to average assets | 2.4132% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7844% | 502 |
| Return on assets (ROA) | 1.7844% | 524 |
| Pretax return on assets | 1.7844% | 873 |
| Return on Equity (ROE) | 15.1464% | 772 |
| Retained earnings to average equity (ytd only) | -1.0359% | 5,857 |
| Net charge-offs to loans | 0.0130% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 241.2500% | 282 |
| Efficiency ratio | 57.4890% | 5,613 |
| Assets per employee ($millions) | 4.2898% | 3,291 |
| Cash dividends to net income (ytd only)* | 106.8394% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 4,412 |
| Loan loss allowance to noncurrent loans | 713.8889% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,858 |
| Noncurrent loans to loans | 0.1684% | 5,510 |
| Net loans and leases to total assets | 56.8051% | 4,141 |
| Net loans and leases to deposits | 64.5065% | 4,438 |
| Net loans and leases to core deposits | 71.1684% | 4,132 |
| Total domestic deposits to total assets | 88.0610% | 1,870 |
| Equity capital to assets | 11.5337% | 2,390 |
| Core capital (leverage) ratio | 11.1765% | 2,270 |
| Tier 1 risk-based capital ratio | 17.3436% | 2,477 |
| Total risk-based capital ratio | 18.4245% | 2,513 |
| Memoranda: | ||
| Average total assets | $108,157,330 | 4,487 |
| Average earning assets | $100,095,670 | 4,469 |
| Average equity | $12,742,330 | 4,278 |
| Average total loans | $61,439,000 | 4,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,601 |
| Cost of funding earning assets | 0.4658% | 3,258 |
| Net interest margin | 3.8119% | 2,419 |
| Noninterest income to average assets | 0.6500% | 2,463 |
| Noninterest expense to average assets | 2.2917% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8935% | 397 |
| Return on assets (ROA) | 1.8935% | 419 |
| Pretax return on assets | 1.8935% | 659 |
| Return on Equity (ROE) | 15.8972% | 651 |
| Retained earnings to average equity (ytd only) | -8.8318% | 6,321 |
| Net charge-offs to loans | 0.0133% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 190 |
| Efficiency ratio | 54.7576% | 5,946 |
| Assets per employee ($millions) | 3.9909% | 3,966 |
| Cash dividends to net income (ytd only)* | 155.5556% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.8285% | 4,162 |
| Net loans and leases to deposits | 63.4197% | 4,384 |
| Net loans and leases to core deposits | 69.4930% | 4,157 |
| Total domestic deposits to total assets | 88.0303% | 2,221 |
| Equity capital to assets | 11.6654% | 2,129 |
| Core capital (leverage) ratio | 11.3915% | 2,058 |
| Tier 1 risk-based capital ratio | 17.7390% | 2,394 |
| Total risk-based capital ratio | 18.8670% | 2,411 |
| Memoranda: | ||
| Average total assets | $106,469,000 | 4,572 |
| Average earning assets | $98,744,500 | 4,547 |
| Average equity | $12,681,500 | 4,303 |
| Average total loans | $60,094,500 | 4,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,659 |
| Cost of funding earning assets | 0.4789% | 3,826 |
| Net interest margin | 3.9012% | 2,279 |
| Noninterest income to average assets | 0.7581% | 2,261 |
| Noninterest expense to average assets | 2.4022% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9765% | 356 |
| Return on assets (ROA) | 1.9765% | 355 |
| Pretax return on assets | 1.9765% | 511 |
| Return on Equity (ROE) | 16.3178% | 585 |
| Retained earnings to average equity (ytd only) | 6.6246% | 1,609 |
| Net charge-offs to loans | -0.0258% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8619% | 6,066 |
| Assets per employee ($millions) | 4.2073% | 3,431 |
| Cash dividends to net income (ytd only)* | 59.4030% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 4,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.6012% | 4,373 |
| Net loans and leases to deposits | 63.5623% | 4,550 |
| Net loans and leases to core deposits | 68.8270% | 4,418 |
| Total domestic deposits to total assets | 87.4752% | 2,482 |
| Equity capital to assets | 12.1626% | 1,705 |
| Core capital (leverage) ratio | 11.8027% | 1,755 |
| Tier 1 risk-based capital ratio | 18.9860% | 1,923 |
| Total risk-based capital ratio | 20.1585% | 1,915 |
| Memoranda: | ||
| Average total assets | $101,697,400 | 4,700 |
| Average earning assets | $94,380,600 | 4,674 |
| Average equity | $12,317,800 | 4,389 |
| Average total loans | $58,044,000 | 4,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 2,639 |
| Cost of funding earning assets | 0.4885% | 3,884 |
| Net interest margin | 3.8984% | 2,280 |
| Noninterest income to average assets | 0.7617% | 2,314 |
| Noninterest expense to average assets | 2.3261% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0550% | 326 |
| Return on assets (ROA) | 2.0550% | 337 |
| Pretax return on assets | 2.0550% | 512 |
| Return on Equity (ROE) | 16.9846% | 539 |
| Retained earnings to average equity (ytd only) | 3.9347% | 3,891 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0939% | 6,175 |
| Assets per employee ($millions) | 4.2210% | 3,382 |
| Cash dividends to net income (ytd only)* | 76.8339% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.1385% | 4,154 |
| Net loans and leases to deposits | 65.4807% | 4,357 |
| Net loans and leases to core deposits | 70.9055% | 4,223 |
| Total domestic deposits to total assets | 87.2600% | 2,527 |
| Equity capital to assets | 12.2158% | 1,770 |
| Core capital (leverage) ratio | 11.7211% | 1,875 |
| Tier 1 risk-based capital ratio | 18.7241% | 2,073 |
| Total risk-based capital ratio | 19.8978% | 2,068 |
| Memoranda: | ||
| Average total assets | $100,826,000 | 4,767 |
| Average earning assets | $93,608,000 | 4,737 |
| Average equity | $12,199,000 | 4,459 |
| Average total loans | $57,740,500 | 4,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,643 |
| Cost of funding earning assets | 0.4756% | 4,141 |
| Net interest margin | 3.9032% | 2,200 |
| Noninterest income to average assets | 0.7470% | 2,428 |
| Noninterest expense to average assets | 2.3324% | 5,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0344% | 340 |
| Return on assets (ROA) | 2.0344% | 358 |
| Pretax return on assets | 2.0344% | 566 |
| Return on Equity (ROE) | 16.8694% | 568 |
| Retained earnings to average equity (ytd only) | -0.3460% | 5,923 |
| Net charge-offs to loans | -0.0139% | 5,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4122% | 6,189 |
| Assets per employee ($millions) | 4.4068% | 2,974 |
| Cash dividends to net income (ytd only)* | 102.0508% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,440 |
| Loan loss allowance to noncurrent loans | 15,300.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,554 |
| Noncurrent loans to loans | 0.0086% | 6,412 |
| Net loans and leases to total assets | 56.7416% | 4,171 |
| Net loans and leases to deposits | 64.5328% | 4,433 |
| Net loans and leases to core deposits | 70.0482% | 4,275 |
| Total domestic deposits to total assets | 87.9267% | 2,297 |
| Equity capital to assets | 11.7388% | 2,097 |
| Core capital (leverage) ratio | 11.5115% | 1,928 |
| Tier 1 risk-based capital ratio | 17.7571% | 2,407 |
| Total risk-based capital ratio | 18.9006% | 2,423 |
| Memoranda: | ||
| Average total assets | $100,667,000 | 4,796 |
| Average earning assets | $93,359,330 | 4,773 |
| Average equity | $12,140,330 | 4,499 |
| Average total loans | $57,439,670 | 4,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 2,575 |
| Cost of funding earning assets | 0.4834% | 4,255 |
| Net interest margin | 3.9020% | 2,113 |
| Noninterest income to average assets | 0.7496% | 2,339 |
| Noninterest expense to average assets | 2.3444% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0095% | 338 |
| Return on assets (ROA) | 2.0095% | 367 |
| Pretax return on assets | 2.0095% | 583 |
| Return on Equity (ROE) | 16.4417% | 562 |
| Retained earnings to average equity (ytd only) | -7.5032% | 6,497 |
| Net charge-offs to loans | -0.0140% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,243 |
| Assets per employee ($millions) | 4.2508% | 3,432 |
| Cash dividends to net income (ytd only)* | 145.6349% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,545 |
| Loan loss allowance to noncurrent loans | 12,716.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,612 |
| Noncurrent loans to loans | 0.0105% | 6,473 |
| Net loans and leases to total assets | 55.3613% | 4,191 |
| Net loans and leases to deposits | 64.1610% | 4,295 |
| Net loans and leases to core deposits | 68.6700% | 4,224 |
| Total domestic deposits to total assets | 86.2849% | 3,366 |
| Equity capital to assets | 11.8919% | 2,116 |
| Core capital (leverage) ratio | 11.4841% | 1,895 |
| Tier 1 risk-based capital ratio | 18.5093% | 2,192 |
| Total risk-based capital ratio | 19.7296% | 2,168 |
| Memoranda: | ||
| Average total assets | $100,322,500 | 4,860 |
| Average earning assets | $92,670,000 | 4,831 |
| Average equity | $12,261,500 | 4,526 |
| Average total loans | $57,021,500 | 4,813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 2,777 |
| Cost of funding earning assets | 0.4687% | 5,429 |
| Net interest margin | 4.1861% | 1,695 |
| Noninterest income to average assets | 0.7616% | 2,439 |
| Noninterest expense to average assets | 2.4290% | 5,326 |
| Loan and lease loss provision to assets | 0.0443% | 5,296 |
| Net operating income to assets | 2.1676% | 271 |
| Return on assets (ROA) | 2.1676% | 298 |
| Pretax return on assets | 2.1676% | 441 |
| Return on Equity (ROE) | 17.8996% | 453 |
| Retained earnings to average equity (ytd only) | 5.7456% | 2,222 |
| Net charge-offs to loans | 0.0536% | 5,182 |
| Credit loss provision to net charge-offs | 143.3333% | 1,906 |
| Earnings coverage of net charge-offs (x) | 71.6333% | 517 |
| Efficiency ratio | 52.3398% | 6,438 |
| Assets per employee ($millions) | 4.1094% | 3,716 |
| Cash dividends to net income (ytd only)* | 67.9012% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,464 |
| Loan loss allowance to noncurrent loans | 15,200.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,690 |
| Noncurrent loans to loans | 0.0088% | 6,552 |
| Net loans and leases to total assets | 56.8217% | 4,142 |
| Net loans and leases to deposits | 66.3883% | 4,230 |
| Net loans and leases to core deposits | 71.1713% | 4,146 |
| Total domestic deposits to total assets | 85.5900% | 3,567 |
| Equity capital to assets | 12.5636% | 1,660 |
| Core capital (leverage) ratio | 11.9164% | 1,612 |
| Tier 1 risk-based capital ratio | 18.4680% | 2,112 |
| Total risk-based capital ratio | 19.6106% | 2,110 |
| Memoranda: | ||
| Average total assets | $97,158,000 | 4,909 |
| Average earning assets | $90,036,600 | 4,869 |
| Average equity | $11,765,600 | 4,618 |
| Average total loans | $55,934,600 | 4,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 2,870 |
| Cost of funding earning assets | 0.4703% | 5,638 |
| Net interest margin | 4.2131% | 1,697 |
| Noninterest income to average assets | 0.7521% | 2,470 |
| Noninterest expense to average assets | 2.4106% | 5,363 |
| Loan and lease loss provision to assets | 0.0592% | 4,987 |
| Net operating income to assets | 2.1944% | 284 |
| Return on assets (ROA) | 2.1944% | 321 |
| Pretax return on assets | 2.1944% | 485 |
| Return on Equity (ROE) | 18.2953% | 469 |
| Retained earnings to average equity (ytd only) | 1.8720% | 5,405 |
| Net charge-offs to loans | 0.0024% | 5,739 |
| Credit loss provision to net charge-offs | 4,300.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,640.0602% | 20 |
| Efficiency ratio | 51.6834% | 6,476 |
| Assets per employee ($millions) | 4.0188% | 3,831 |
| Cash dividends to net income (ytd only)* | 89.7676% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,390 |
| Loan loss allowance to noncurrent loans | 1,052.0000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 6,548 |
| Noncurrent loans to loans | 0.1328% | 6,267 |
| Net loans and leases to total assets | 57.7423% | 4,174 |
| Net loans and leases to deposits | 67.5099% | 4,259 |
| Net loans and leases to core deposits | 72.7633% | 4,161 |
| Total domestic deposits to total assets | 85.5315% | 3,494 |
| Equity capital to assets | 12.4125% | 1,953 |
| Core capital (leverage) ratio | 11.6320% | 1,887 |
| Tier 1 risk-based capital ratio | 18.4166% | 2,194 |
| Total risk-based capital ratio | 19.6667% | 2,169 |
| Memoranda: | ||
| Average total assets | $96,791,000 | 4,966 |
| Average earning assets | $89,876,000 | 4,918 |
| Average equity | $11,609,250 | 4,693 |
| Average total loans | $55,718,000 | 4,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,942 |
| Cost of funding earning assets | 0.4758% | 5,792 |
| Net interest margin | 4.2180% | 1,705 |
| Noninterest income to average assets | 0.7492% | 2,416 |
| Noninterest expense to average assets | 2.3735% | 5,550 |
| Loan and lease loss provision to assets | 0.0578% | 4,934 |
| Net operating income to assets | 2.2331% | 271 |
| Return on assets (ROA) | 2.2331% | 309 |
| Pretax return on assets | 2.2331% | 464 |
| Return on Equity (ROE) | 18.8365% | 427 |
| Retained earnings to average equity (ytd only) | -2.9943% | 6,458 |
| Net charge-offs to loans | -0.0072% | 6,227 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8850% | 6,582 |
| Assets per employee ($millions) | 3.9826% | 3,911 |
| Cash dividends to net income (ytd only)* | 115.8965% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 4,492 |
| Loan loss allowance to noncurrent loans | 3,378.2609% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 6,771 |
| Noncurrent loans to loans | 0.0413% | 6,575 |
| Net loans and leases to total assets | 57.4747% | 4,250 |
| Net loans and leases to deposits | 66.8386% | 4,389 |
| Net loans and leases to core deposits | 71.7817% | 4,320 |
| Total domestic deposits to total assets | 85.9902% | 3,357 |
| Equity capital to assets | 12.0618% | 2,107 |
| Core capital (leverage) ratio | 11.1537% | 2,162 |
| Tier 1 risk-based capital ratio | 17.9793% | 2,294 |
| Total risk-based capital ratio | 19.0641% | 2,321 |
| Memoranda: | ||
| Average total assets | $96,904,330 | 4,982 |
| Average earning assets | $89,948,000 | 4,934 |
| Average equity | $11,488,330 | 4,718 |
| Average total loans | $55,463,330 | 4,970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,957 |
| Cost of funding earning assets | 0.4869% | 5,888 |
| Net interest margin | 4.2363% | 1,651 |
| Noninterest income to average assets | 0.7380% | 2,454 |
| Noninterest expense to average assets | 2.2754% | 5,837 |
| Loan and lease loss provision to assets | 0.1148% | 3,921 |
| Net operating income to assets | 2.2713% | 249 |
| Return on assets (ROA) | 2.2713% | 301 |
| Pretax return on assets | 2.2713% | 478 |
| Return on Equity (ROE) | 19.3233% | 426 |
| Retained earnings to average equity (ytd only) | -13.8123% | 6,951 |
| Net charge-offs to loans | -0.0289% | 6,328 |
| Credit loss provision to net charge-offs | -700.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8127% | 6,748 |
| Assets per employee ($millions) | 4.0697% | 3,860 |
| Cash dividends to net income (ytd only)* | 171.4801% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 4,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.0058% | 4,385 |
| Net loans and leases to deposits | 63.8043% | 4,663 |
| Net loans and leases to core deposits | 70.3608% | 4,361 |
| Total domestic deposits to total assets | 87.7775% | 2,480 |
| Equity capital to assets | 11.5181% | 2,426 |
| Core capital (leverage) ratio | 10.8404% | 2,399 |
| Tier 1 risk-based capital ratio | 18.2200% | 2,218 |
| Total risk-based capital ratio | 19.3495% | 2,221 |
| Memoranda: | ||
| Average total assets | $97,565,000 | 4,996 |
| Average earning assets | $90,362,500 | 4,956 |
| Average equity | $11,468,000 | 4,738 |
| Average total loans | $55,338,500 | 5,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 3,227 |
| Cost of funding earning assets | 0.6501% | 5,824 |
| Net interest margin | 4.2757% | 1,783 |
| Noninterest income to average assets | 0.7560% | 2,305 |
| Noninterest expense to average assets | 2.5817% | 5,165 |
| Loan and lease loss provision to assets | 0.0737% | 5,693 |
| Net operating income to assets | 2.0342% | 289 |
| Return on assets (ROA) | 2.0342% | 307 |
| Pretax return on assets | 2.0342% | 497 |
| Return on Equity (ROE) | 17.9634% | 381 |
| Retained earnings to average equity (ytd only) | 6.6944% | 1,643 |
| Net charge-offs to loans | 0.0254% | 6,081 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 235 |
| Efficiency ratio | 55.0516% | 6,412 |
| Assets per employee ($millions) | 4.2373% | 3,398 |
| Cash dividends to net income (ytd only)* | 62.7329% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,842 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.8702% | 4,728 |
| Net loans and leases to deposits | 63.7633% | 5,042 |
| Net loans and leases to core deposits | 70.6162% | 4,706 |
| Total domestic deposits to total assets | 87.6213% | 2,391 |
| Equity capital to assets | 11.9908% | 2,135 |
| Core capital (leverage) ratio | 11.0998% | 2,192 |
| Tier 1 risk-based capital ratio | 19.4035% | 1,791 |
| Total risk-based capital ratio | 20.5226% | 1,793 |
| Memoranda: | ||
| Average total assets | $94,977,000 | 5,046 |
| Average earning assets | $87,377,400 | 5,013 |
| Average equity | $10,755,200 | 4,839 |
| Average total loans | $55,062,000 | 5,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 3,182 |
| Cost of funding earning assets | 0.6810% | 5,871 |
| Net interest margin | 4.2998% | 1,716 |
| Noninterest income to average assets | 0.7433% | 2,352 |
| Noninterest expense to average assets | 2.5703% | 5,197 |
| Loan and lease loss provision to assets | 0.0071% | 6,337 |
| Net operating income to assets | 2.1182% | 285 |
| Return on assets (ROA) | 2.1182% | 303 |
| Pretax return on assets | 2.1182% | 495 |
| Return on Equity (ROE) | 18.9938% | 386 |
| Retained earnings to average equity (ytd only) | 3.6366% | 4,163 |
| Net charge-offs to loans | 0.0242% | 5,808 |
| Credit loss provision to net charge-offs | 50.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | 150.4336% | 257 |
| Efficiency ratio | 54.7397% | 6,420 |
| Assets per employee ($millions) | 4.4657% | 2,979 |
| Cash dividends to net income (ytd only)* | 80.8538% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 6,930 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.8791% | 5,015 |
| Net loans and leases to deposits | 62.2522% | 5,370 |
| Net loans and leases to core deposits | 68.6033% | 5,105 |
| Total domestic deposits to total assets | 88.1561% | 1,948 |
| Equity capital to assets | 11.4469% | 2,735 |
| Core capital (leverage) ratio | 10.8064% | 2,566 |
| Tier 1 risk-based capital ratio | 18.4077% | 2,114 |
| Total risk-based capital ratio | 19.6115% | 2,095 |
| Memoranda: | ||
| Average total assets | $94,356,750 | 5,092 |
| Average earning assets | $86,730,500 | 5,072 |
| Average equity | $10,522,500 | 4,915 |
| Average total loans | $55,028,250 | 5,115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 2,832 |
| Cost of funding earning assets | 0.7333% | 5,763 |
| Net interest margin | 4.3365% | 1,547 |
| Noninterest income to average assets | 0.7264% | 2,396 |
| Noninterest expense to average assets | 2.6606% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0438% | 320 |
| Return on assets (ROA) | 2.0438% | 332 |
| Pretax return on assets | 2.0438% | 543 |
| Return on Equity (ROE) | 18.4996% | 419 |
| Retained earnings to average equity (ytd only) | -1.5173% | 6,162 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5555% | 6,354 |
| Assets per employee ($millions) | 4.3162% | 3,140 |
| Cash dividends to net income (ytd only)* | 108.2019% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,390 |
| Loan loss allowance to noncurrent loans | 5,315.3846% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,944 |
| Noncurrent loans to loans | 0.0232% | 6,938 |
| Net loans and leases to total assets | 58.1884% | 4,591 |
| Net loans and leases to deposits | 65.7097% | 5,041 |
| Net loans and leases to core deposits | 72.1454% | 4,798 |
| Total domestic deposits to total assets | 88.5538% | 1,818 |
| Equity capital to assets | 11.1071% | 2,855 |
| Core capital (leverage) ratio | 10.7690% | 2,455 |
| Tier 1 risk-based capital ratio | 18.2324% | 2,095 |
| Total risk-based capital ratio | 19.4767% | 2,056 |
| Memoranda: | ||
| Average total assets | $93,060,670 | 5,165 |
| Average earning assets | $85,367,670 | 5,143 |
| Average equity | $10,281,330 | 4,976 |
| Average total loans | $55,170,330 | 5,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 2,686 |
| Cost of funding earning assets | 0.7773% | 5,693 |
| Net interest margin | 4.3129% | 1,524 |
| Noninterest income to average assets | 0.7122% | 2,503 |
| Noninterest expense to average assets | 2.6185% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0453% | 324 |
| Return on assets (ROA) | 2.0453% | 339 |
| Pretax return on assets | 2.0453% | 517 |
| Return on Equity (ROE) | 18.5643% | 432 |
| Retained earnings to average equity (ytd only) | -8.9471% | 6,817 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1453% | 6,488 |
| Assets per employee ($millions) | 4.3298% | 3,179 |
| Cash dividends to net income (ytd only)* | 148.1953% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,366 |
| Loan loss allowance to noncurrent loans | 1,470.2128% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 7,044 |
| Noncurrent loans to loans | 0.0853% | 6,830 |
| Net loans and leases to total assets | 57.0925% | 4,787 |
| Net loans and leases to deposits | 64.0882% | 5,242 |
| Net loans and leases to core deposits | 70.7904% | 4,953 |
| Total domestic deposits to total assets | 89.0842% | 1,725 |
| Equity capital to assets | 10.5894% | 3,092 |
| Core capital (leverage) ratio | 10.7573% | 2,393 |
| Tier 1 risk-based capital ratio | 18.8273% | 1,860 |
| Total risk-based capital ratio | 20.0804% | 1,818 |
| Memoranda: | ||
| Average total assets | $92,112,500 | 5,237 |
| Average earning assets | $84,397,000 | 5,213 |
| Average equity | $10,148,500 | 5,005 |
| Average total loans | $54,783,000 | 5,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 2,604 |
| Cost of funding earning assets | 0.9663% | 5,859 |
| Net interest margin | 4.4482% | 1,358 |
| Noninterest income to average assets | 0.8468% | 2,071 |
| Noninterest expense to average assets | 2.6065% | 5,390 |
| Loan and lease loss provision to assets | 0.1158% | 6,000 |
| Net operating income to assets | 2.2092% | 194 |
| Return on assets (ROA) | 2.2092% | 199 |
| Pretax return on assets | 2.2092% | 313 |
| Return on Equity (ROE) | 19.2416% | 297 |
| Retained earnings to average equity (ytd only) | 6.7401% | 1,434 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8541% | 6,906 |
| Assets per employee ($millions) | 4.2366% | 3,314 |
| Cash dividends to net income (ytd only)* | 64.9712% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 5,170 |
| Loan loss allowance to noncurrent loans | 1,470.2128% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 7,100 |
| Noncurrent loans to loans | 0.0863% | 6,917 |
| Net loans and leases to total assets | 60.4705% | 4,590 |
| Net loans and leases to deposits | 68.5315% | 5,033 |
| Net loans and leases to core deposits | 74.2212% | 4,951 |
| Total domestic deposits to total assets | 88.2375% | 2,101 |
| Equity capital to assets | 11.4759% | 2,280 |
| Core capital (leverage) ratio | 11.6811% | 1,736 |
| Tier 1 risk-based capital ratio | 18.2902% | 1,909 |
| Total risk-based capital ratio | 19.5289% | 1,871 |
| Memoranda: | ||
| Average total assets | $86,322,000 | 5,398 |
| Average earning assets | $79,268,400 | 5,374 |
| Average equity | $9,910,800 | 5,160 |
| Average total loans | $52,488,000 | 5,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 2,758 |
| Cost of funding earning assets | 0.9967% | 5,951 |
| Net interest margin | 4.4300% | 1,428 |
| Noninterest income to average assets | 0.8701% | 1,911 |
| Noninterest expense to average assets | 2.5822% | 5,396 |
| Loan and lease loss provision to assets | 0.1401% | 5,629 |
| Net operating income to assets | 2.2227% | 227 |
| Return on assets (ROA) | 2.2227% | 243 |
| Pretax return on assets | 2.2227% | 389 |
| Return on Equity (ROE) | 19.3570% | 356 |
| Retained earnings to average equity (ytd only) | 2.5619% | 4,629 |
| Net charge-offs to loans | -0.0077% | 7,246 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2191% | 6,955 |
| Assets per employee ($millions) | 4.2424% | 3,370 |
| Cash dividends to net income (ytd only)* | 86.7649% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,943 |
| Loan loss allowance to noncurrent loans | 1,179.3103% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 7,179 |
| Noncurrent loans to loans | 0.1106% | 6,965 |
| Net loans and leases to total assets | 58.1030% | 5,246 |
| Net loans and leases to deposits | 65.8399% | 5,684 |
| Net loans and leases to core deposits | 71.2797% | 5,601 |
| Total domestic deposits to total assets | 88.2490% | 1,828 |
| Equity capital to assets | 11.4020% | 2,603 |
| Core capital (leverage) ratio | 10.9988% | 2,263 |
| Tier 1 risk-based capital ratio | 18.7187% | 1,818 |
| Total risk-based capital ratio | 19.9700% | 1,790 |
| Memoranda: | ||
| Average total assets | $85,660,250 | 5,476 |
| Average earning assets | $78,794,750 | 5,448 |
| Average equity | $9,836,000 | 5,244 |
| Average total loans | $51,987,250 | 5,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 2,643 |
| Cost of funding earning assets | 1.0268% | 6,017 |
| Net interest margin | 4.4460% | 1,330 |
| Noninterest income to average assets | 0.8874% | 1,735 |
| Noninterest expense to average assets | 2.6054% | 5,306 |
| Loan and lease loss provision to assets | 0.1420% | 5,475 |
| Net operating income to assets | 2.2386% | 212 |
| Return on assets (ROA) | 2.2386% | 234 |
| Pretax return on assets | 2.2386% | 381 |
| Return on Equity (ROE) | 19.4477% | 361 |
| Retained earnings to average equity (ytd only) | -2.3847% | 6,205 |
| Net charge-offs to loans | -0.0077% | 7,163 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2544% | 7,040 |
| Assets per employee ($millions) | 4.1883% | 3,406 |
| Cash dividends to net income (ytd only)* | 112.2622% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,289 |
| Loan loss allowance to noncurrent loans | 1,360.4167% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 7,118 |
| Noncurrent loans to loans | 0.0904% | 7,086 |
| Net loans and leases to total assets | 59.6089% | 5,138 |
| Net loans and leases to deposits | 67.2270% | 5,656 |
| Net loans and leases to core deposits | 71.8117% | 5,693 |
| Total domestic deposits to total assets | 88.6681% | 1,629 |
| Equity capital to assets | 10.9874% | 2,874 |
| Core capital (leverage) ratio | 10.9818% | 2,257 |
| Tier 1 risk-based capital ratio | 17.5683% | 2,086 |
| Total risk-based capital ratio | 18.7864% | 2,056 |
| Memoranda: | ||
| Average total assets | $84,517,000 | 5,547 |
| Average earning assets | $77,912,000 | 5,509 |
| Average equity | $9,728,670 | 5,278 |
| Average total loans | $51,833,670 | 5,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 2,473 |
| Cost of funding earning assets | 1.0591% | 6,093 |
| Net interest margin | 4.4672% | 1,214 |
| Noninterest income to average assets | 0.8841% | 1,689 |
| Noninterest expense to average assets | 2.6571% | 5,115 |
| Loan and lease loss provision to assets | 0.1449% | 5,103 |
| Net operating income to assets | 2.1981% | 251 |
| Return on assets (ROA) | 2.1981% | 277 |
| Pretax return on assets | 2.1981% | 422 |
| Return on Equity (ROE) | 18.6456% | 467 |
| Retained earnings to average equity (ytd only) | -10.0400% | 6,971 |
| Net charge-offs to loans | -0.0156% | 7,014 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1401% | 7,049 |
| Assets per employee ($millions) | 3.8376% | 4,231 |
| Cash dividends to net income (ytd only)* | 153.8462% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 60.5735% | 5,027 |
| Net loans and leases to deposits | 68.5904% | 5,525 |
| Net loans and leases to core deposits | 72.8307% | 5,628 |
| Total domestic deposits to total assets | 88.3119% | 1,898 |
| Equity capital to assets | 11.3896% | 2,437 |
| Core capital (leverage) ratio | 11.0977% | 2,160 |
| Tier 1 risk-based capital ratio | 18.0420% | 1,935 |
| Total risk-based capital ratio | 19.2519% | 1,914 |
| Memoranda: | ||
| Average total assets | $82,798,000 | 5,668 |
| Average earning assets | $76,290,000 | 5,628 |
| Average equity | $9,761,000 | 5,306 |
| Average total loans | $51,209,500 | 5,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9577% | 2,024 |
| Cost of funding earning assets | 1.4495% | 5,727 |
| Net interest margin | 4.5082% | 1,162 |
| Noninterest income to average assets | 0.8366% | 2,243 |
| Noninterest expense to average assets | 2.6065% | 5,778 |
| Loan and lease loss provision to assets | 0.1040% | 6,595 |
| Net operating income to assets | 2.2310% | 137 |
| Return on assets (ROA) | 2.2310% | 146 |
| Pretax return on assets | 2.2310% | 257 |
| Return on Equity (ROE) | 19.2535% | 286 |
| Retained earnings to average equity (ytd only) | 5.9639% | 1,363 |
| Net charge-offs to loans | 0.0098% | 7,095 |
| Credit loss provision to net charge-offs | 1,700.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 381.8000% | 76 |
| Efficiency ratio | 52.7475% | 7,337 |
| Assets per employee ($millions) | 3.8651% | 4,106 |
| Cash dividends to net income (ytd only)* | 69.0241% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.6795% | 5,061 |
| Net loans and leases to deposits | 70.5475% | 5,531 |
| Net loans and leases to core deposits | 91.1614% | 4,994 |
| Total domestic deposits to total assets | 87.4298% | 2,254 |
| Equity capital to assets | 12.2043% | 1,907 |
| Core capital (leverage) ratio | 11.7024% | 1,810 |
| Tier 1 risk-based capital ratio | 18.8633% | 1,683 |
| Total risk-based capital ratio | 20.0324% | 1,662 |
| Memoranda: | ||
| Average total assets | $81,756,600 | 5,674 |
| Average earning assets | $74,442,000 | 5,659 |
| Average equity | $9,473,600 | 5,455 |
| Average total loans | $51,090,400 | 5,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 1,893 |
| Cost of funding earning assets | 1.5302% | 5,716 |
| Net interest margin | 4.5063% | 1,180 |
| Noninterest income to average assets | 0.8042% | 2,407 |
| Noninterest expense to average assets | 2.5558% | 5,876 |
| Loan and lease loss provision to assets | 0.0895% | 6,474 |
| Net operating income to assets | 2.2530% | 163 |
| Return on assets (ROA) | 2.2530% | 177 |
| Pretax return on assets | 2.2530% | 313 |
| Return on Equity (ROE) | 19.7031% | 329 |
| Retained earnings to average equity (ytd only) | 1.7795% | 4,319 |
| Net charge-offs to loans | 0.0026% | 6,955 |
| Credit loss provision to net charge-offs | 5,500.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,442.5714% | 10 |
| Efficiency ratio | 52.1768% | 7,398 |
| Assets per employee ($millions) | 3.8283% | 4,131 |
| Cash dividends to net income (ytd only)* | 90.9678% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,653 |
| Loan loss allowance to noncurrent loans | 28,250.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,609 |
| Noncurrent loans to loans | 0.0039% | 7,527 |
| Net loans and leases to total assets | 62.4815% | 5,165 |
| Net loans and leases to deposits | 71.2490% | 5,769 |
| Net loans and leases to core deposits | 91.7681% | 5,254 |
| Total domestic deposits to total assets | 87.6945% | 1,803 |
| Equity capital to assets | 11.8950% | 2,293 |
| Core capital (leverage) ratio | 11.0925% | 2,342 |
| Tier 1 risk-based capital ratio | 19.4052% | 1,664 |
| Total risk-based capital ratio | 20.6106% | 1,636 |
| Memoranda: | ||
| Average total assets | $81,903,750 | 5,695 |
| Average earning assets | $74,413,250 | 5,700 |
| Average equity | $9,365,500 | 5,531 |
| Average total loans | $51,199,250 | 5,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0738% | 1,886 |
| Cost of funding earning assets | 1.5984% | 5,753 |
| Net interest margin | 4.4754% | 1,224 |
| Noninterest income to average assets | 0.7791% | 2,526 |
| Noninterest expense to average assets | 2.5047% | 6,110 |
| Loan and lease loss provision to assets | 0.0728% | 6,466 |
| Net operating income to assets | 2.2450% | 177 |
| Return on assets (ROA) | 2.2450% | 196 |
| Pretax return on assets | 2.2450% | 324 |
| Return on Equity (ROE) | 19.8932% | 346 |
| Retained earnings to average equity (ytd only) | -3.2689% | 6,014 |
| Net charge-offs to loans | 0.0195% | 6,243 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 215 |
| Efficiency ratio | 51.9376% | 7,517 |
| Assets per employee ($millions) | 3.9681% | 3,743 |
| Cash dividends to net income (ytd only)* | 116.4324% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.9552% | 5,528 |
| Net loans and leases to deposits | 68.8882% | 6,103 |
| Net loans and leases to core deposits | 88.0556% | 5,716 |
| Total domestic deposits to total assets | 88.4843% | 1,533 |
| Equity capital to assets | 11.1340% | 2,806 |
| Core capital (leverage) ratio | 10.6559% | 2,695 |
| Tier 1 risk-based capital ratio | 17.4087% | 2,173 |
| Total risk-based capital ratio | 18.4670% | 2,168 |
| Memoranda: | ||
| Average total assets | $82,406,670 | 5,715 |
| Average earning assets | $74,451,330 | 5,729 |
| Average equity | $9,299,670 | 5,581 |
| Average total loans | $51,333,330 | 5,706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1592% | 1,728 |
| Cost of funding earning assets | 1.6704% | 5,740 |
| Net interest margin | 4.4888% | 1,150 |
| Noninterest income to average assets | 0.6785% | 3,015 |
| Noninterest expense to average assets | 2.5334% | 5,721 |
| Loan and lease loss provision to assets | 0.0732% | 6,041 |
| Net operating income to assets | 2.0990% | 288 |
| Return on assets (ROA) | 2.0990% | 334 |
| Pretax return on assets | 2.0990% | 542 |
| Return on Equity (ROE) | 18.4738% | 553 |
| Retained earnings to average equity (ytd only) | -15.1227% | 7,444 |
| Net charge-offs to loans | 0.0078% | 5,557 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 73 |
| Efficiency ratio | 53.8382% | 7,235 |
| Assets per employee ($millions) | 4.1551% | 3,352 |
| Cash dividends to net income (ytd only)* | 181.8605% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 6,064 |
| Loan loss allowance to noncurrent loans | 122.0930% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 5,921 |
| Noncurrent loans to loans | 0.8328% | 5,357 |
| Net loans and leases to total assets | 61.4975% | 5,416 |
| Net loans and leases to deposits | 69.8232% | 5,997 |
| Net loans and leases to core deposits | 88.7455% | 5,676 |
| Total domestic deposits to total assets | 88.0760% | 1,719 |
| Equity capital to assets | 10.9734% | 2,985 |
| Core capital (leverage) ratio | 10.5108% | 2,910 |
| Tier 1 risk-based capital ratio | 17.1148% | 2,302 |
| Total risk-based capital ratio | 18.1574% | 2,296 |
| Memoranda: | ||
| Average total assets | $81,945,000 | 5,755 |
| Average earning assets | $73,515,500 | 5,794 |
| Average equity | $9,310,500 | 5,603 |
| Average total loans | $51,335,000 | 5,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5046% | 2,935 |
| Cost of funding earning assets | 2.2673% | 5,303 |
| Net interest margin | 4.2373% | 2,169 |
| Noninterest income to average assets | 0.7064% | 3,086 |
| Noninterest expense to average assets | 2.5223% | 5,924 |
| Loan and lease loss provision to assets | 0.0752% | 6,461 |
| Net operating income to assets | 1.9910% | 361 |
| Return on assets (ROA) | 1.9910% | 343 |
| Pretax return on assets | 1.9910% | 619 |
| Return on Equity (ROE) | 18.2953% | 503 |
| Retained earnings to average equity (ytd only) | 6.4572% | 1,347 |
| Net charge-offs to loans | 0.0274% | 6,442 |
| Credit loss provision to net charge-offs | 435.7143% | 1,003 |
| Earnings coverage of net charge-offs (x) | 119.7143% | 378 |
| Efficiency ratio | 54.9704% | 7,155 |
| Assets per employee ($millions) | 3.8471% | 3,862 |
| Cash dividends to net income (ytd only)* | 64.7059% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,042 |
| Loan loss allowance to noncurrent loans | 1,892.5926% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 7,457 |
| Noncurrent loans to loans | 0.0529% | 7,296 |
| Net loans and leases to total assets | 62.5444% | 5,531 |
| Net loans and leases to deposits | 71.7314% | 6,085 |
| Net loans and leases to core deposits | 91.3907% | 5,688 |
| Total domestic deposits to total assets | 87.1926% | 1,843 |
| Equity capital to assets | 11.7615% | 2,460 |
| Core capital (leverage) ratio | 11.1833% | 2,440 |
| Tier 1 risk-based capital ratio | 17.9734% | 2,044 |
| Total risk-based capital ratio | 18.9973% | 2,044 |
| Memoranda: | ||
| Average total assets | $81,115,200 | 5,656 |
| Average earning assets | $74,317,000 | 5,650 |
| Average equity | $8,827,400 | 5,794 |
| Average total loans | $51,066,200 | 5,660 |