Home > Denver Savings Bank > Performance and Condition Ratios
Denver Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 703 |
| Cost of funding earning assets | 0.8096% | 197 |
| Net interest margin | 3.6014% | 1,466 |
| Noninterest income to average assets | 0.4763% | 2,695 |
| Noninterest expense to average assets | 2.1810% | 3,144 |
| Loan and lease loss provision to assets | 0.1337% | 912 |
| Net operating income to assets | 1.2306% | 1,810 |
| Return on assets (ROA) | 1.2385% | 1,844 |
| Pretax return on assets | 1.5605% | 1,537 |
| Return on Equity (ROE) | 11.0860% | 2,137 |
| Retained earnings to average equity (ytd only) | 11.0860% | 687 |
| Net charge-offs to loans | 0.0709% | 1,080 |
| Credit loss provision to net charge-offs | 279.0000% | 1,110 |
| Earnings coverage of net charge-offs (x) | 35.1500% | 1,506 |
| Efficiency ratio | 56.4274% | 3,654 |
| Assets per employee ($millions) | 6.9125% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,053 |
| Loan loss allowance to noncurrent loans | 555.5911% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 2,021 |
| Noncurrent loans to loans | 0.2097% | 2,905 |
| Net loans and leases to total assets | 66.6938% | 1,407 |
| Net loans and leases to deposits | 80.6969% | 1,158 |
| Net loans and leases to core deposits | 95.8683% | 696 |
| Total domestic deposits to total assets | 82.6473% | 3,872 |
| Equity capital to assets | 11.1596% | 1,693 |
| Core capital (leverage) ratio | 10.4315% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,713,000 | 2,999 |
| Average earning assets | $196,394,200 | 2,987 |
| Average equity | $23,317,800 | 2,957 |
| Average total loans | $141,088,800 | 2,715 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 553 |
| Cost of funding earning assets | 0.8460% | 200 |
| Net interest margin | 3.7664% | 1,196 |
| Noninterest income to average assets | 0.2555% | 3,864 |
| Noninterest expense to average assets | 2.1635% | 3,191 |
| Loan and lease loss provision to assets | 0.0934% | 1,277 |
| Net operating income to assets | 1.2218% | 2,095 |
| Return on assets (ROA) | 1.2218% | 2,152 |
| Pretax return on assets | 1.5383% | 1,882 |
| Return on Equity (ROE) | 10.9329% | 2,386 |
| Retained earnings to average equity (ytd only) | 10.9329% | 1,076 |
| Net charge-offs to loans | -0.0019% | 3,210 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0062% | 3,413 |
| Assets per employee ($millions) | 6.8756% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,048 |
| Loan loss allowance to noncurrent loans | 1,245.2555% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,615 |
| Noncurrent loans to loans | 0.0953% | 3,603 |
| Net loans and leases to total assets | 66.6492% | 1,473 |
| Net loans and leases to deposits | 81.0958% | 1,182 |
| Net loans and leases to core deposits | 97.6659% | 668 |
| Total domestic deposits to total assets | 82.1857% | 3,892 |
| Equity capital to assets | 11.3905% | 1,748 |
| Core capital (leverage) ratio | 10.4336% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,591,500 | 3,057 |
| Average earning assets | $193,212,500 | 3,042 |
| Average equity | $22,976,000 | 3,021 |
| Average total loans | $139,044,750 | 2,773 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 348 |
| Cost of funding earning assets | 0.8773% | 200 |
| Net interest margin | 4.1127% | 675 |
| Noninterest income to average assets | 0.2502% | 3,902 |
| Noninterest expense to average assets | 2.1460% | 3,255 |
| Loan and lease loss provision to assets | 0.0699% | 1,653 |
| Net operating income to assets | 1.4911% | 1,319 |
| Return on assets (ROA) | 1.4911% | 1,380 |
| Pretax return on assets | 1.8939% | 1,035 |
| Return on Equity (ROE) | 13.4327% | 1,586 |
| Retained earnings to average equity (ytd only) | 13.4327% | 648 |
| Net charge-offs to loans | -0.0029% | 3,282 |
| Credit loss provision to net charge-offs | -3,550.0000% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2166% | 4,022 |
| Assets per employee ($millions) | 7.1537% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,191.9708% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 2,775 |
| Noncurrent loans to loans | 0.0978% | 3,694 |
| Net loans and leases to total assets | 64.5346% | 1,887 |
| Net loans and leases to deposits | 78.2370% | 1,593 |
| Net loans and leases to core deposits | 94.7410% | 870 |
| Total domestic deposits to total assets | 82.4861% | 3,825 |
| Equity capital to assets | 11.1443% | 1,881 |
| Core capital (leverage) ratio | 10.7852% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,074,333 | 3,073 |
| Average earning assets | $190,582,667 | 3,064 |
| Average equity | $22,542,000 | 3,047 |
| Average total loans | $137,471,667 | 2,813 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 343 |
| Cost of funding earning assets | 0.9427% | 182 |
| Net interest margin | 4.0806% | 745 |
| Noninterest income to average assets | 0.2798% | 3,726 |
| Noninterest expense to average assets | 2.0456% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6097% | 1,114 |
| Return on assets (ROA) | 1.6097% | 1,162 |
| Pretax return on assets | 2.0516% | 871 |
| Return on Equity (ROE) | 14.5325% | 1,319 |
| Retained earnings to average equity (ytd only) | 14.5325% | 687 |
| Net charge-offs to loans | -0.0029% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9258% | 4,187 |
| Assets per employee ($millions) | 6.8799% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,291 |
| Loan loss allowance to noncurrent loans | 2,559.0164% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,105 |
| Noncurrent loans to loans | 0.0442% | 4,071 |
| Net loans and leases to total assets | 68.4431% | 1,471 |
| Net loans and leases to deposits | 83.8059% | 1,169 |
| Net loans and leases to core deposits | 95.7454% | 896 |
| Total domestic deposits to total assets | 81.6686% | 3,962 |
| Equity capital to assets | 11.4567% | 1,569 |
| Core capital (leverage) ratio | 10.8271% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,305,500 | 3,111 |
| Average earning assets | $184,581,500 | 3,098 |
| Average equity | $21,854,500 | 3,087 |
| Average total loans | $136,141,500 | 2,825 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,084 |
| Cost of funding earning assets | 1.2549% | 217 |
| Net interest margin | 3.3525% | 2,919 |
| Noninterest income to average assets | 0.3184% | 3,556 |
| Noninterest expense to average assets | 2.0702% | 3,999 |
| Loan and lease loss provision to assets | 0.0925% | 3,193 |
| Net operating income to assets | 1.0313% | 2,173 |
| Return on assets (ROA) | 1.0313% | 2,320 |
| Pretax return on assets | 1.2903% | 2,010 |
| Return on Equity (ROE) | 9.6456% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.5282% | 1,190 |
| Net charge-offs to loans | -0.0007% | 3,921 |
| Credit loss provision to net charge-offs | -17,000.0000% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9527% | 3,464 |
| Assets per employee ($millions) | 6.7274% | 1,764 |
| Cash dividends to net income (ytd only)* | 21.9525% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 3,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 3,363 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.9705% | 1,833 |
| Net loans and leases to deposits | 82.9442% | 1,551 |
| Net loans and leases to core deposits | 96.6404% | 1,084 |
| Total domestic deposits to total assets | 81.9473% | 3,676 |
| Equity capital to assets | 10.6876% | 2,535 |
| Core capital (leverage) ratio | 9.4872% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,749,800 | 3,075 |
| Average earning assets | $171,811,400 | 3,056 |
| Average equity | $19,646,200 | 3,218 |
| Average total loans | $134,130,400 | 2,813 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,026 |
| Cost of funding earning assets | 1.3144% | 233 |
| Net interest margin | 3.4018% | 2,918 |
| Noninterest income to average assets | 0.2469% | 3,998 |
| Noninterest expense to average assets | 2.0613% | 4,025 |
| Loan and lease loss provision to assets | 0.1255% | 2,768 |
| Net operating income to assets | 0.9957% | 2,356 |
| Return on assets (ROA) | 0.9957% | 2,485 |
| Pretax return on assets | 1.2418% | 2,262 |
| Return on Equity (ROE) | 9.3114% | 2,279 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,667 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1247% | 3,376 |
| Assets per employee ($millions) | 6.9144% | 1,557 |
| Cash dividends to net income (ytd only)* | 24.2783% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 3,473 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.7794% | 1,404 |
| Net loans and leases to deposits | 90.5927% | 1,213 |
| Net loans and leases to core deposits | 106.9868% | 806 |
| Total domestic deposits to total assets | 81.4408% | 3,554 |
| Equity capital to assets | 10.8812% | 2,496 |
| Core capital (leverage) ratio | 9.5937% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,913,500 | 3,082 |
| Average earning assets | $169,202,250 | 3,066 |
| Average equity | $19,345,000 | 3,245 |
| Average total loans | $134,121,250 | 2,823 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,143 |
| Cost of funding earning assets | 1.3677% | 256 |
| Net interest margin | 3.4436% | 2,963 |
| Noninterest income to average assets | 0.2291% | 4,115 |
| Noninterest expense to average assets | 2.0381% | 4,155 |
| Loan and lease loss provision to assets | 0.1441% | 2,571 |
| Net operating income to assets | 1.0213% | 2,250 |
| Return on assets (ROA) | 1.0213% | 2,378 |
| Pretax return on assets | 1.2738% | 2,117 |
| Return on Equity (ROE) | 9.6099% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,339 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9719% | 3,559 |
| Assets per employee ($millions) | 7.1637% | 1,355 |
| Cash dividends to net income (ytd only)* | 17.8337% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,568 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.8547% | 1,740 |
| Net loans and leases to deposits | 87.9815% | 1,563 |
| Net loans and leases to core deposits | 104.5448% | 969 |
| Total domestic deposits to total assets | 81.6703% | 3,454 |
| Equity capital to assets | 10.7294% | 2,546 |
| Core capital (leverage) ratio | 9.5785% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,988,333 | 3,081 |
| Average earning assets | $167,730,667 | 3,066 |
| Average equity | $19,022,000 | 3,265 |
| Average total loans | $132,396,000 | 2,832 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,036 |
| Cost of funding earning assets | 1.4760% | 294 |
| Net interest margin | 3.1107% | 4,071 |
| Noninterest income to average assets | 0.2258% | 4,197 |
| Noninterest expense to average assets | 1.9868% | 4,420 |
| Loan and lease loss provision to assets | 0.1163% | 2,235 |
| Net operating income to assets | 0.8349% | 2,773 |
| Return on assets (ROA) | 0.8349% | 2,861 |
| Pretax return on assets | 1.0265% | 2,756 |
| Return on Equity (ROE) | 7.8960% | 2,558 |
| Retained earnings to average equity (ytd only) | 6.0191% | 1,863 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4840% | 3,305 |
| Assets per employee ($millions) | 6.4915% | 1,346 |
| Cash dividends to net income (ytd only)* | 23.7705% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,259 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,582 |
| Noncurrent loans to loans | 0.0227% | 4,480 |
| Net loans and leases to total assets | 74.4965% | 1,534 |
| Net loans and leases to deposits | 91.2975% | 1,367 |
| Net loans and leases to core deposits | 110.6929% | 818 |
| Total domestic deposits to total assets | 81.5975% | 3,522 |
| Equity capital to assets | 10.4798% | 3,341 |
| Core capital (leverage) ratio | 9.7381% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,355,000 | 3,082 |
| Average earning assets | $163,690,500 | 3,074 |
| Average equity | $18,541,000 | 3,314 |
| Average total loans | $130,918,500 | 2,823 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 3,074 |
| Cost of funding earning assets | 1.5948% | 308 |
| Net interest margin | 2.8685% | 4,687 |
| Noninterest income to average assets | 0.2573% | 4,134 |
| Noninterest expense to average assets | 1.9958% | 4,539 |
| Loan and lease loss provision to assets | 0.1116% | 1,874 |
| Net operating income to assets | 0.7146% | 3,823 |
| Return on assets (ROA) | 0.7032% | 3,923 |
| Pretax return on assets | 0.8226% | 3,927 |
| Return on Equity (ROE) | 7.0771% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.7799% | 2,546 |
| Net charge-offs to loans | 0.0722% | 2,064 |
| Credit loss provision to net charge-offs | 222.2222% | 1,193 |
| Earnings coverage of net charge-offs (x) | 18.8667% | 2,030 |
| Efficiency ratio | 67.8043% | 2,491 |
| Assets per employee ($millions) | 6.7477% | 1,151 |
| Cash dividends to net income (ytd only)* | 32.4603% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,643 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.2091% | 1,891 |
| Net loans and leases to deposits | 89.8658% | 1,606 |
| Net loans and leases to core deposits | 112.8728% | 720 |
| Total domestic deposits to total assets | 81.4649% | 3,661 |
| Equity capital to assets | 10.6669% | 3,288 |
| Core capital (leverage) ratio | 9.4934% | 4,072 |
| Tier 1 risk-based capital ratio | 11.9987% | 4,366 |
| Total risk-based capital ratio | 13.0027% | 4,372 |
| Memoranda: | ||
| Average total assets | $179,178,000 | 3,028 |
| Average earning assets | $167,790,600 | 3,015 |
| Average equity | $17,803,800 | 3,356 |
| Average total loans | $124,678,400 | 2,883 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 3,470 |
| Cost of funding earning assets | 1.6092% | 282 |
| Net interest margin | 2.7537% | 4,888 |
| Noninterest income to average assets | 0.2102% | 4,467 |
| Noninterest expense to average assets | 2.0276% | 4,496 |
| Loan and lease loss provision to assets | 0.0814% | 2,280 |
| Net operating income to assets | 0.5892% | 4,322 |
| Return on assets (ROA) | 0.5737% | 4,412 |
| Pretax return on assets | 0.6625% | 4,423 |
| Return on Equity (ROE) | 5.8790% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.1405% | 3,835 |
| Net charge-offs to loans | 0.0432% | 2,234 |
| Credit loss provision to net charge-offs | 275.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 25.7260% | 1,764 |
| Efficiency ratio | 72.6911% | 1,740 |
| Assets per employee ($millions) | 7.0206% | 1,016 |
| Cash dividends to net income (ytd only)* | 46.5804% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,288 |
| Loan loss allowance to noncurrent loans | 930.3448% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,402 |
| Noncurrent loans to loans | 0.1128% | 4,133 |
| Net loans and leases to total assets | 72.4451% | 2,098 |
| Net loans and leases to deposits | 89.2721% | 1,783 |
| Net loans and leases to core deposits | 110.6902% | 918 |
| Total domestic deposits to total assets | 81.1509% | 3,709 |
| Equity capital to assets | 10.4658% | 3,567 |
| Core capital (leverage) ratio | 9.2123% | 4,468 |
| Tier 1 risk-based capital ratio | 11.9606% | 4,432 |
| Total risk-based capital ratio | 12.9643% | 4,464 |
| Memoranda: | ||
| Average total assets | $180,112,500 | 3,041 |
| Average earning assets | $168,692,000 | 3,030 |
| Average equity | $17,576,250 | 3,400 |
| Average total loans | $123,391,250 | 2,931 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 3,818 |
| Cost of funding earning assets | 1.6090% | 259 |
| Net interest margin | 2.6327% | 5,050 |
| Noninterest income to average assets | 0.1960% | 4,582 |
| Noninterest expense to average assets | 2.1107% | 4,399 |
| Loan and lease loss provision to assets | 0.0584% | 2,659 |
| Net operating income to assets | 0.4536% | 4,637 |
| Return on assets (ROA) | 0.4283% | 4,704 |
| Pretax return on assets | 0.4657% | 4,747 |
| Return on Equity (ROE) | 4.4940% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.9820% | 4,441 |
| Net charge-offs to loans | 0.0164% | 2,562 |
| Credit loss provision to net charge-offs | 530.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 50.1000% | 1,094 |
| Efficiency ratio | 79.2804% | 1,031 |
| Assets per employee ($millions) | 7.4265% | 843 |
| Cash dividends to net income (ytd only)* | 78.1491% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,799 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.1338% | 3,086 |
| Net loans and leases to deposits | 80.7686% | 2,874 |
| Net loans and leases to core deposits | 105.1358% | 1,295 |
| Total domestic deposits to total assets | 81.8806% | 3,553 |
| Equity capital to assets | 9.6110% | 4,306 |
| Core capital (leverage) ratio | 8.9469% | 4,675 |
| Tier 1 risk-based capital ratio | 12.1011% | 4,360 |
| Total risk-based capital ratio | 13.1170% | 4,372 |
| Memoranda: | ||
| Average total assets | $181,645,000 | 3,036 |
| Average earning assets | $170,165,330 | 3,016 |
| Average equity | $17,312,000 | 3,431 |
| Average total loans | $121,688,000 | 2,968 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,910 |
| Cost of funding earning assets | 1.6138% | 217 |
| Net interest margin | 2.5730% | 5,156 |
| Noninterest income to average assets | 0.1937% | 4,597 |
| Noninterest expense to average assets | 2.2156% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3674% | 4,801 |
| Return on assets (ROA) | 0.3674% | 4,810 |
| Pretax return on assets | 0.3852% | 4,858 |
| Return on Equity (ROE) | 3.8719% | 4,602 |
| Retained earnings to average equity (ytd only) | 0.5397% | 4,425 |
| Net charge-offs to loans | 0.0332% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 17.3000% | 1,664 |
| Efficiency ratio | 85.1884% | 632 |
| Assets per employee ($millions) | 6.6447% | 1,175 |
| Cash dividends to net income (ytd only)* | 86.0606% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,975 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.9214% | 3,064 |
| Net loans and leases to deposits | 78.5817% | 2,998 |
| Net loans and leases to core deposits | 101.3810% | 1,509 |
| Total domestic deposits to total assets | 83.8891% | 3,081 |
| Equity capital to assets | 9.5933% | 4,169 |
| Core capital (leverage) ratio | 8.9287% | 4,698 |
| Tier 1 risk-based capital ratio | 12.3171% | 4,291 |
| Total risk-based capital ratio | 13.3136% | 4,317 |
| Memoranda: | ||
| Average total assets | $179,636,000 | 3,092 |
| Average earning assets | $168,053,500 | 3,076 |
| Average equity | $17,046,000 | 3,472 |
| Average total loans | $120,478,000 | 3,013 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,430 |
| Cost of funding earning assets | 1.4360% | 116 |
| Net interest margin | 2.7715% | 5,048 |
| Noninterest income to average assets | 0.2255% | 4,567 |
| Noninterest expense to average assets | 1.9660% | 4,797 |
| Loan and lease loss provision to assets | 0.1543% | 1,365 |
| Net operating income to assets | 0.5918% | 4,439 |
| Return on assets (ROA) | 0.6399% | 4,321 |
| Pretax return on assets | 0.7495% | 4,291 |
| Return on Equity (ROE) | 6.8829% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.5845% | 3,004 |
| Net charge-offs to loans | 0.1576% | 1,219 |
| Credit loss provision to net charge-offs | 144.4444% | 1,882 |
| Earnings coverage of net charge-offs (x) | 7.9312% | 2,939 |
| Efficiency ratio | 69.8815% | 2,209 |
| Assets per employee ($millions) | 6.4238% | 1,251 |
| Cash dividends to net income (ytd only)* | 33.3922% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,356 |
| Loan loss allowance to noncurrent loans | 2,842.2222% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 3,828 |
| Noncurrent loans to loans | 0.0371% | 4,600 |
| Net loans and leases to total assets | 66.7947% | 3,029 |
| Net loans and leases to deposits | 79.3680% | 3,019 |
| Net loans and leases to core deposits | 102.5015% | 1,543 |
| Total domestic deposits to total assets | 84.1582% | 2,952 |
| Equity capital to assets | 9.3853% | 4,233 |
| Core capital (leverage) ratio | 8.8764% | 4,753 |
| Tier 1 risk-based capital ratio | 12.1284% | 4,339 |
| Total risk-based capital ratio | 13.1188% | 4,401 |
| Memoranda: | ||
| Average total assets | $176,909,000 | 3,087 |
| Average earning assets | $165,180,600 | 3,076 |
| Average equity | $16,446,600 | 3,467 |
| Average total loans | $119,933,000 | 2,994 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 3,419 |
| Cost of funding earning assets | 1.3658% | 118 |
| Net interest margin | 2.7997% | 5,089 |
| Noninterest income to average assets | 0.2361% | 4,560 |
| Noninterest expense to average assets | 1.9541% | 4,818 |
| Loan and lease loss provision to assets | 0.1862% | 968 |
| Net operating income to assets | 0.6024% | 4,496 |
| Return on assets (ROA) | 0.6668% | 4,345 |
| Pretax return on assets | 0.7856% | 4,332 |
| Return on Equity (ROE) | 7.1896% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.1494% | 3,158 |
| Net charge-offs to loans | 0.1829% | 916 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 7.2196% | 2,823 |
| Efficiency ratio | 68.5608% | 2,428 |
| Assets per employee ($millions) | 6.8390% | 1,007 |
| Cash dividends to net income (ytd only)* | 28.3772% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,422 |
| Loan loss allowance to noncurrent loans | 1,637.1795% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,841 |
| Noncurrent loans to loans | 0.0646% | 4,592 |
| Net loans and leases to total assets | 67.1338% | 3,059 |
| Net loans and leases to deposits | 79.6103% | 3,077 |
| Net loans and leases to core deposits | 103.0143% | 1,531 |
| Total domestic deposits to total assets | 84.3281% | 2,843 |
| Equity capital to assets | 9.1387% | 4,431 |
| Core capital (leverage) ratio | 8.8264% | 4,868 |
| Tier 1 risk-based capital ratio | 12.1212% | 4,433 |
| Total risk-based capital ratio | 13.1165% | 4,459 |
| Memoranda: | ||
| Average total assets | $176,169,750 | 3,115 |
| Average earning assets | $164,491,500 | 3,101 |
| Average equity | $16,338,000 | 3,498 |
| Average total loans | $119,561,250 | 3,028 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,336 |
| Cost of funding earning assets | 1.2711% | 136 |
| Net interest margin | 2.8619% | 5,064 |
| Noninterest income to average assets | 0.2619% | 4,435 |
| Noninterest expense to average assets | 1.9189% | 4,934 |
| Loan and lease loss provision to assets | 0.2403% | 651 |
| Net operating income to assets | 0.6507% | 4,343 |
| Return on assets (ROA) | 0.7425% | 4,061 |
| Pretax return on assets | 0.8837% | 4,013 |
| Return on Equity (ROE) | 7.9671% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.4865% | 2,832 |
| Net charge-offs to loans | 0.2769% | 576 |
| Credit loss provision to net charge-offs | 127.8788% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,713 |
| Efficiency ratio | 65.4115% | 3,081 |
| Assets per employee ($millions) | 6.8466% | 994 |
| Cash dividends to net income (ytd only)* | 31.1350% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,767 |
| Loan loss allowance to noncurrent loans | 1,772.8571% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,729 |
| Noncurrent loans to loans | 0.0570% | 4,661 |
| Net loans and leases to total assets | 68.2797% | 2,828 |
| Net loans and leases to deposits | 81.5422% | 2,815 |
| Net loans and leases to core deposits | 104.5305% | 1,351 |
| Total domestic deposits to total assets | 83.7354% | 3,158 |
| Equity capital to assets | 9.1943% | 4,386 |
| Core capital (leverage) ratio | 8.8519% | 4,839 |
| Tier 1 risk-based capital ratio | 10.8095% | 5,152 |
| Total risk-based capital ratio | 11.6822% | 5,201 |
| Memoranda: | ||
| Average total assets | $175,621,330 | 3,140 |
| Average earning assets | $163,947,000 | 3,131 |
| Average equity | $16,367,330 | 3,517 |
| Average total loans | $119,198,000 | 3,046 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,496 |
| Cost of funding earning assets | 1.1992% | 141 |
| Net interest margin | 2.8335% | 5,120 |
| Noninterest income to average assets | 0.3279% | 3,961 |
| Noninterest expense to average assets | 1.9951% | 4,857 |
| Loan and lease loss provision to assets | 0.4449% | 239 |
| Net operating income to assets | 0.4597% | 4,792 |
| Return on assets (ROA) | 0.6490% | 4,290 |
| Pretax return on assets | 0.7522% | 4,285 |
| Return on Equity (ROE) | 6.9161% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.1546% | 3,533 |
| Net charge-offs to loans | 0.5622% | 264 |
| Credit loss provision to net charge-offs | 117.5758% | 1,398 |
| Earnings coverage of net charge-offs (x) | 2.5818% | 2,450 |
| Efficiency ratio | 67.1296% | 2,981 |
| Assets per employee ($millions) | 7.3528% | 828 |
| Cash dividends to net income (ytd only)* | 39.9293% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,790 |
| Loan loss allowance to noncurrent loans | 1,748.5714% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,913 |
| Noncurrent loans to loans | 0.0589% | 4,710 |
| Net loans and leases to total assets | 66.7024% | 2,940 |
| Net loans and leases to deposits | 77.3315% | 3,081 |
| Net loans and leases to core deposits | 101.8183% | 1,546 |
| Total domestic deposits to total assets | 86.2551% | 2,419 |
| Equity capital to assets | 9.1644% | 4,401 |
| Core capital (leverage) ratio | 8.7579% | 4,942 |
| Tier 1 risk-based capital ratio | 10.9001% | 5,187 |
| Total risk-based capital ratio | 11.7841% | 5,248 |
| Memoranda: | ||
| Average total assets | $174,426,000 | 3,200 |
| Average earning assets | $162,768,500 | 3,180 |
| Average equity | $16,367,500 | 3,547 |
| Average total loans | $117,403,500 | 3,096 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,486 |
| Cost of funding earning assets | 1.1786% | 80 |
| Net interest margin | 2.7982% | 5,168 |
| Noninterest income to average assets | 0.2004% | 4,945 |
| Noninterest expense to average assets | 1.9498% | 5,049 |
| Loan and lease loss provision to assets | 0.2604% | 705 |
| Net operating income to assets | 0.4748% | 4,444 |
| Return on assets (ROA) | 0.4836% | 4,446 |
| Pretax return on assets | 0.6251% | 4,684 |
| Return on Equity (ROE) | 4.9420% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.7341% | 2,991 |
| Net charge-offs to loans | 0.0162% | 3,549 |
| Credit loss provision to net charge-offs | 2,552.9412% | 154 |
| Earnings coverage of net charge-offs (x) | 85.7059% | 729 |
| Efficiency ratio | 69.0461% | 2,690 |
| Assets per employee ($millions) | 6.8954% | 1,016 |
| Cash dividends to net income (ytd only)* | 24.4417% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,733 |
| Loan loss allowance to noncurrent loans | 2,438.7755% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,975 |
| Noncurrent loans to loans | 0.0423% | 4,809 |
| Net loans and leases to total assets | 66.5257% | 3,031 |
| Net loans and leases to deposits | 76.9501% | 3,236 |
| Net loans and leases to core deposits | 101.3253% | 1,601 |
| Total domestic deposits to total assets | 86.4531% | 2,251 |
| Equity capital to assets | 9.6081% | 4,135 |
| Core capital (leverage) ratio | 8.9732% | 4,679 |
| Tier 1 risk-based capital ratio | 11.0164% | 5,137 |
| Total risk-based capital ratio | 11.8936% | 5,213 |
| Memoranda: | ||
| Average total assets | $166,683,000 | 3,279 |
| Average earning assets | $156,281,400 | 3,239 |
| Average equity | $16,309,200 | 3,556 |
| Average total loans | $104,724,200 | 3,269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,453 |
| Cost of funding earning assets | 1.1758% | 72 |
| Net interest margin | 2.7976% | 5,221 |
| Noninterest income to average assets | 0.1977% | 5,018 |
| Noninterest expense to average assets | 1.9355% | 5,080 |
| Loan and lease loss provision to assets | 0.0726% | 2,620 |
| Net operating income to assets | 0.6907% | 4,023 |
| Return on assets (ROA) | 0.7326% | 3,883 |
| Pretax return on assets | 0.8649% | 4,157 |
| Return on Equity (ROE) | 7.4520% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.1635% | 2,136 |
| Net charge-offs to loans | 0.0262% | 2,915 |
| Credit loss provision to net charge-offs | 450.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 55.0416% | 1,048 |
| Efficiency ratio | 68.5429% | 2,779 |
| Assets per employee ($millions) | 7.0200% | 945 |
| Cash dividends to net income (ytd only)* | 17.2909% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 4,876 |
| Loan loss allowance to noncurrent loans | 792.5234% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,736 |
| Noncurrent loans to loans | 0.1017% | 4,656 |
| Net loans and leases to total assets | 61.9234% | 3,659 |
| Net loans and leases to deposits | 72.2648% | 3,740 |
| Net loans and leases to core deposits | 94.6045% | 2,211 |
| Total domestic deposits to total assets | 85.6896% | 2,432 |
| Equity capital to assets | 9.9544% | 3,957 |
| Core capital (leverage) ratio | 9.1792% | 4,536 |
| Tier 1 risk-based capital ratio | 12.1376% | 4,529 |
| Total risk-based capital ratio | 12.8151% | 4,802 |
| Memoranda: | ||
| Average total assets | $165,257,250 | 3,322 |
| Average earning assets | $155,129,000 | 3,290 |
| Average equity | $16,245,750 | 3,598 |
| Average total loans | $101,936,250 | 3,350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,320 |
| Cost of funding earning assets | 1.1699% | 67 |
| Net interest margin | 2.7990% | 5,246 |
| Noninterest income to average assets | 0.1912% | 5,094 |
| Noninterest expense to average assets | 1.8796% | 5,215 |
| Loan and lease loss provision to assets | 0.0609% | 2,744 |
| Net operating income to assets | 0.7419% | 3,660 |
| Return on assets (ROA) | 0.7613% | 3,632 |
| Pretax return on assets | 0.9026% | 3,925 |
| Return on Equity (ROE) | 7.7781% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.3470% | 1,938 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6523% | 3,235 |
| Assets per employee ($millions) | 6.6416% | 1,075 |
| Cash dividends to net income (ytd only)* | 18.4000% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,938 |
| Loan loss allowance to noncurrent loans | 123.0312% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 2,794 |
| Noncurrent loans to loans | 0.6547% | 2,779 |
| Net loans and leases to total assets | 61.4117% | 3,700 |
| Net loans and leases to deposits | 71.0975% | 3,818 |
| Net loans and leases to core deposits | 92.9839% | 2,249 |
| Total domestic deposits to total assets | 86.3768% | 2,205 |
| Equity capital to assets | 10.0325% | 3,878 |
| Core capital (leverage) ratio | 9.0626% | 4,651 |
| Tier 1 risk-based capital ratio | 12.1012% | 4,567 |
| Total risk-based capital ratio | 12.7715% | 4,836 |
| Memoranda: | ||
| Average total assets | $164,183,330 | 3,349 |
| Average earning assets | $154,196,000 | 3,318 |
| Average equity | $16,070,670 | 3,633 |
| Average total loans | $100,856,330 | 3,384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,326 |
| Cost of funding earning assets | 1.1571% | 68 |
| Net interest margin | 2.7620% | 5,316 |
| Noninterest income to average assets | 0.1887% | 5,147 |
| Noninterest expense to average assets | 1.9822% | 5,092 |
| Loan and lease loss provision to assets | 0.0735% | 2,332 |
| Net operating income to assets | 0.6367% | 3,993 |
| Return on assets (ROA) | 0.6738% | 3,858 |
| Pretax return on assets | 0.7595% | 4,253 |
| Return on Equity (ROE) | 6.9722% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,629 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4664% | 2,668 |
| Assets per employee ($millions) | 6.6269% | 1,118 |
| Cash dividends to net income (ytd only)* | 21.8182% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 5,060 |
| Loan loss allowance to noncurrent loans | 1,369.4915% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 4,268 |
| Noncurrent loans to loans | 0.0586% | 4,964 |
| Net loans and leases to total assets | 60.3128% | 3,754 |
| Net loans and leases to deposits | 69.3927% | 3,866 |
| Net loans and leases to core deposits | 87.7725% | 2,570 |
| Total domestic deposits to total assets | 86.9152% | 2,260 |
| Equity capital to assets | 9.6352% | 4,145 |
| Core capital (leverage) ratio | 9.1311% | 4,565 |
| Tier 1 risk-based capital ratio | 12.0281% | 4,695 |
| Total risk-based capital ratio | 12.6912% | 4,963 |
| Memoranda: | ||
| Average total assets | $163,255,000 | 3,390 |
| Average earning assets | $152,790,000 | 3,368 |
| Average equity | $15,777,000 | 3,689 |
| Average total loans | $99,886,500 | 3,420 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,082 |
| Cost of funding earning assets | 1.1348% | 72 |
| Net interest margin | 2.8984% | 5,142 |
| Noninterest income to average assets | 0.2337% | 5,014 |
| Noninterest expense to average assets | 2.0977% | 5,005 |
| Loan and lease loss provision to assets | 0.1420% | 1,759 |
| Net operating income to assets | 0.5817% | 4,286 |
| Return on assets (ROA) | 0.6970% | 3,900 |
| Pretax return on assets | 0.8528% | 3,999 |
| Return on Equity (ROE) | 6.6974% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.4837% | 2,022 |
| Net charge-offs to loans | 0.0516% | 3,008 |
| Credit loss provision to net charge-offs | 452.0833% | 712 |
| Earnings coverage of net charge-offs (x) | 27.1875% | 1,521 |
| Efficiency ratio | 71.0643% | 2,735 |
| Assets per employee ($millions) | 6.1860% | 1,339 |
| Cash dividends to net income (ytd only)* | 18.1221% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 5,146 |
| Loan loss allowance to noncurrent loans | 1,318.6441% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 4,322 |
| Noncurrent loans to loans | 0.0596% | 5,006 |
| Net loans and leases to total assets | 61.0960% | 3,713 |
| Net loans and leases to deposits | 71.0922% | 3,803 |
| Net loans and leases to core deposits | 90.0836% | 2,495 |
| Total domestic deposits to total assets | 85.9392% | 2,608 |
| Equity capital to assets | 9.6937% | 4,080 |
| Core capital (leverage) ratio | 9.1949% | 4,486 |
| Tier 1 risk-based capital ratio | 12.1148% | 4,651 |
| Total risk-based capital ratio | 12.7675% | 4,945 |
| Memoranda: | ||
| Average total assets | $152,787,200 | 3,473 |
| Average earning assets | $143,285,000 | 3,461 |
| Average equity | $15,901,600 | 3,705 |
| Average total loans | $93,112,400 | 3,517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,089 |
| Cost of funding earning assets | 1.1254% | 77 |
| Net interest margin | 2.9106% | 5,170 |
| Noninterest income to average assets | 0.2485% | 4,983 |
| Noninterest expense to average assets | 2.1144% | 4,980 |
| Loan and lease loss provision to assets | 0.1300% | 1,803 |
| Net operating income to assets | 0.5983% | 4,302 |
| Return on assets (ROA) | 0.7092% | 3,932 |
| Pretax return on assets | 0.8702% | 4,077 |
| Return on Equity (ROE) | 6.6919% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.5821% | 2,441 |
| Net charge-offs to loans | -0.0160% | 4,935 |
| Credit loss provision to net charge-offs | -1,336.3636% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9706% | 2,749 |
| Assets per employee ($millions) | 5.9868% | 1,443 |
| Cash dividends to net income (ytd only)* | 16.5836% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 5,186 |
| Loan loss allowance to noncurrent loans | 1,278.3333% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,411 |
| Noncurrent loans to loans | 0.0627% | 5,104 |
| Net loans and leases to total assets | 61.0271% | 3,738 |
| Net loans and leases to deposits | 71.8267% | 3,827 |
| Net loans and leases to core deposits | 90.1904% | 2,560 |
| Total domestic deposits to total assets | 84.9644% | 2,821 |
| Equity capital to assets | 10.5341% | 3,527 |
| Core capital (leverage) ratio | 9.3267% | 4,431 |
| Tier 1 risk-based capital ratio | 12.5950% | 4,415 |
| Total risk-based capital ratio | 13.2741% | 4,674 |
| Memoranda: | ||
| Average total assets | $150,774,750 | 3,526 |
| Average earning assets | $141,457,000 | 3,497 |
| Average equity | $15,979,250 | 3,725 |
| Average total loans | $91,629,750 | 3,561 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,106 |
| Cost of funding earning assets | 1.1103% | 85 |
| Net interest margin | 2.9287% | 5,213 |
| Noninterest income to average assets | 0.2226% | 5,158 |
| Noninterest expense to average assets | 2.0436% | 5,185 |
| Loan and lease loss provision to assets | 0.1569% | 1,450 |
| Net operating income to assets | 0.6196% | 4,189 |
| Return on assets (ROA) | 0.7456% | 3,726 |
| Pretax return on assets | 0.9226% | 3,864 |
| Return on Equity (ROE) | 7.0202% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.0227% | 2,105 |
| Net charge-offs to loans | -0.0199% | 4,950 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8658% | 3,179 |
| Assets per employee ($millions) | 5.8950% | 1,482 |
| Cash dividends to net income (ytd only)* | 14.2086% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 5,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 4,605 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.3427% | 3,703 |
| Net loans and leases to deposits | 71.7578% | 3,810 |
| Net loans and leases to core deposits | 89.1937% | 2,620 |
| Total domestic deposits to total assets | 85.4857% | 2,650 |
| Equity capital to assets | 10.6642% | 3,450 |
| Core capital (leverage) ratio | 9.3169% | 4,439 |
| Tier 1 risk-based capital ratio | 12.7517% | 4,351 |
| Total risk-based capital ratio | 13.4197% | 4,638 |
| Memoranda: | ||
| Average total assets | $149,147,330 | 3,574 |
| Average earning assets | $139,788,000 | 3,541 |
| Average equity | $15,840,000 | 3,758 |
| Average total loans | $90,253,000 | 3,604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,229 |
| Cost of funding earning assets | 1.0931% | 96 |
| Net interest margin | 2.9043% | 5,313 |
| Noninterest income to average assets | 0.2094% | 5,232 |
| Noninterest expense to average assets | 1.9852% | 5,371 |
| Loan and lease loss provision to assets | 0.1632% | 1,268 |
| Net operating income to assets | 0.6345% | 4,039 |
| Return on assets (ROA) | 0.7125% | 3,772 |
| Pretax return on assets | 0.8730% | 3,961 |
| Return on Equity (ROE) | 6.7233% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.1844% | 2,286 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8439% | 3,488 |
| Assets per employee ($millions) | 6.0074% | 1,395 |
| Cash dividends to net income (ytd only)* | 8.0153% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 5,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 4,649 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.4861% | 3,712 |
| Net loans and leases to deposits | 70.4505% | 3,816 |
| Net loans and leases to core deposits | 88.3736% | 2,528 |
| Total domestic deposits to total assets | 85.8561% | 2,732 |
| Equity capital to assets | 10.5104% | 3,477 |
| Core capital (leverage) ratio | 9.5370% | 4,121 |
| Tier 1 risk-based capital ratio | 12.9596% | 4,292 |
| Total risk-based capital ratio | 13.5880% | 4,598 |
| Memoranda: | ||
| Average total assets | $147,086,000 | 3,617 |
| Average earning assets | $137,589,500 | 3,589 |
| Average equity | $15,587,500 | 3,799 |
| Average total loans | $88,002,000 | 3,648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,751 |
| Cost of funding earning assets | 1.1162% | 90 |
| Net interest margin | 2.7712% | 5,569 |
| Noninterest income to average assets | 0.1888% | 5,463 |
| Noninterest expense to average assets | 2.0022% | 5,454 |
| Loan and lease loss provision to assets | 0.0894% | 2,508 |
| Net operating income to assets | 0.5885% | 4,336 |
| Return on assets (ROA) | 0.6924% | 3,958 |
| Pretax return on assets | 0.8076% | 4,165 |
| Return on Equity (ROE) | 6.4221% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.1947% | 2,284 |
| Net charge-offs to loans | -0.0213% | 5,287 |
| Credit loss provision to net charge-offs | -781.2500% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0649% | 2,899 |
| Assets per employee ($millions) | 5.7595% | 1,572 |
| Cash dividends to net income (ytd only)* | 19.1116% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 5,598 |
| Loan loss allowance to noncurrent loans | 1,242.8571% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 4,528 |
| Noncurrent loans to loans | 0.0580% | 5,286 |
| Net loans and leases to total assets | 58.2587% | 4,047 |
| Net loans and leases to deposits | 69.0258% | 4,027 |
| Net loans and leases to core deposits | 82.9748% | 3,054 |
| Total domestic deposits to total assets | 84.4014% | 3,330 |
| Equity capital to assets | 10.6885% | 3,149 |
| Core capital (leverage) ratio | 9.6518% | 3,975 |
| Tier 1 risk-based capital ratio | 13.8400% | 3,809 |
| Total risk-based capital ratio | 14.4619% | 4,094 |
| Memoranda: | ||
| Average total assets | $139,797,600 | 3,721 |
| Average earning assets | $130,627,600 | 3,689 |
| Average equity | $15,073,000 | 3,829 |
| Average total loans | $75,250,400 | 3,964 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,802 |
| Cost of funding earning assets | 1.1160% | 91 |
| Net interest margin | 2.7673% | 5,638 |
| Noninterest income to average assets | 0.1903% | 5,522 |
| Noninterest expense to average assets | 1.9353% | 5,589 |
| Loan and lease loss provision to assets | 0.0817% | 2,540 |
| Net operating income to assets | 0.6449% | 4,155 |
| Return on assets (ROA) | 0.7217% | 3,913 |
| Pretax return on assets | 0.8514% | 4,167 |
| Return on Equity (ROE) | 6.6782% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.2643% | 2,745 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6645% | 3,259 |
| Assets per employee ($millions) | 5.6517% | 1,634 |
| Cash dividends to net income (ytd only)* | 21.1713% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 5,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,018 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.1237% | 4,652 |
| Net loans and leases to deposits | 61.9052% | 4,725 |
| Net loans and leases to core deposits | 76.1041% | 3,790 |
| Total domestic deposits to total assets | 85.8146% | 2,629 |
| Equity capital to assets | 10.7507% | 3,300 |
| Core capital (leverage) ratio | 9.7753% | 3,933 |
| Tier 1 risk-based capital ratio | 14.9344% | 3,328 |
| Total risk-based capital ratio | 15.5524% | 3,596 |
| Memoranda: | ||
| Average total assets | $138,750,250 | 3,775 |
| Average earning assets | $129,749,000 | 3,737 |
| Average equity | $14,993,750 | 3,875 |
| Average total loans | $72,939,500 | 4,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,685 |
| Cost of funding earning assets | 1.1163% | 86 |
| Net interest margin | 2.7846% | 5,647 |
| Noninterest income to average assets | 0.2001% | 5,481 |
| Noninterest expense to average assets | 1.9289% | 5,666 |
| Loan and lease loss provision to assets | 0.0870% | 2,368 |
| Net operating income to assets | 0.6647% | 4,057 |
| Return on assets (ROA) | 0.7585% | 3,703 |
| Pretax return on assets | 0.9079% | 3,930 |
| Return on Equity (ROE) | 7.0068% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.9484% | 2,273 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5921% | 3,575 |
| Assets per employee ($millions) | 5.7349% | 1,541 |
| Cash dividends to net income (ytd only)* | 15.1052% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 5,110 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.5712% | 4,701 |
| Net loans and leases to deposits | 61.4751% | 4,737 |
| Net loans and leases to core deposits | 76.7903% | 3,690 |
| Total domestic deposits to total assets | 85.5164% | 2,913 |
| Equity capital to assets | 10.7841% | 3,130 |
| Core capital (leverage) ratio | 9.6034% | 4,135 |
| Tier 1 risk-based capital ratio | 15.0684% | 3,318 |
| Total risk-based capital ratio | 15.6705% | 3,606 |
| Memoranda: | ||
| Average total assets | $137,902,670 | 3,826 |
| Average earning assets | $129,353,000 | 3,768 |
| Average equity | $14,928,330 | 3,905 |
| Average total loans | $72,048,330 | 4,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 3,581 |
| Cost of funding earning assets | 1.1110% | 91 |
| Net interest margin | 2.7945% | 5,651 |
| Noninterest income to average assets | 0.2086% | 5,461 |
| Noninterest expense to average assets | 1.8517% | 5,819 |
| Loan and lease loss provision to assets | 0.1014% | 2,006 |
| Net operating income to assets | 0.7136% | 3,735 |
| Return on assets (ROA) | 0.8404% | 3,188 |
| Pretax return on assets | 1.0432% | 3,324 |
| Return on Equity (ROE) | 7.7483% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.4124% | 2,279 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2041% | 4,286 |
| Assets per employee ($millions) | 5.7477% | 1,593 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 5,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 5,212 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.4633% | 4,709 |
| Net loans and leases to deposits | 60.5101% | 4,705 |
| Net loans and leases to core deposits | 76.2303% | 3,574 |
| Total domestic deposits to total assets | 85.0491% | 3,384 |
| Equity capital to assets | 10.9950% | 2,975 |
| Core capital (leverage) ratio | 9.4793% | 4,310 |
| Tier 1 risk-based capital ratio | 15.3114% | 3,255 |
| Total risk-based capital ratio | 15.9033% | 3,552 |
| Memoranda: | ||
| Average total assets | $138,035,000 | 3,839 |
| Average earning assets | $129,968,000 | 3,781 |
| Average equity | $14,971,000 | 3,918 |
| Average total loans | $71,629,500 | 4,143 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,928 |
| Cost of funding earning assets | 1.1261% | 117 |
| Net interest margin | 2.8233% | 5,772 |
| Noninterest income to average assets | 0.2041% | 5,639 |
| Noninterest expense to average assets | 1.8540% | 6,006 |
| Loan and lease loss provision to assets | 0.1107% | 2,317 |
| Net operating income to assets | 0.7605% | 3,566 |
| Return on assets (ROA) | 0.8235% | 3,352 |
| Pretax return on assets | 0.9593% | 3,651 |
| Return on Equity (ROE) | 8.3191% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.2955% | 1,276 |
| Net charge-offs to loans | 0.0254% | 4,319 |
| Credit loss provision to net charge-offs | 905.8824% | 300 |
| Earnings coverage of net charge-offs (x) | 81.5882% | 614 |
| Efficiency ratio | 65.0366% | 4,398 |
| Assets per employee ($millions) | 5.7552% | 1,555 |
| Cash dividends to net income (ytd only)* | 12.3037% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 6,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 5,290 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.6177% | 4,821 |
| Net loans and leases to deposits | 60.9538% | 4,814 |
| Net loans and leases to core deposits | 76.7906% | 3,624 |
| Total domestic deposits to total assets | 84.6834% | 3,425 |
| Equity capital to assets | 10.6968% | 3,240 |
| Core capital (leverage) ratio | 9.2867% | 4,557 |
| Tier 1 risk-based capital ratio | 14.6380% | 3,702 |
| Total risk-based capital ratio | 15.1725% | 4,086 |
| Memoranda: | ||
| Average total assets | $139,158,800 | 3,815 |
| Average earning assets | $130,452,200 | 3,761 |
| Average equity | $13,775,600 | 4,060 |
| Average total loans | $66,826,200 | 4,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,759 |
| Cost of funding earning assets | 1.1331% | 118 |
| Net interest margin | 2.8671% | 5,768 |
| Noninterest income to average assets | 0.2037% | 5,708 |
| Noninterest expense to average assets | 1.7702% | 6,130 |
| Loan and lease loss provision to assets | 0.1138% | 2,150 |
| Net operating income to assets | 0.8250% | 3,314 |
| Return on assets (ROA) | 0.8282% | 3,382 |
| Pretax return on assets | 1.0070% | 3,567 |
| Return on Equity (ROE) | 8.5366% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.4424% | 1,598 |
| Net charge-offs to loans | 0.0122% | 4,318 |
| Credit loss provision to net charge-offs | 1,983.3333% | 181 |
| Earnings coverage of net charge-offs (x) | 194.6613% | 329 |
| Efficiency ratio | 61.3117% | 4,986 |
| Assets per employee ($millions) | 5.7085% | 1,557 |
| Cash dividends to net income (ytd only)* | 12.8178% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 6,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 5,472 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.7583% | 4,833 |
| Net loans and leases to deposits | 60.6160% | 4,884 |
| Net loans and leases to core deposits | 75.5409% | 3,803 |
| Total domestic deposits to total assets | 85.3873% | 3,169 |
| Equity capital to assets | 10.4712% | 3,603 |
| Core capital (leverage) ratio | 9.2092% | 4,772 |
| Tier 1 risk-based capital ratio | 14.5092% | 3,877 |
| Total risk-based capital ratio | 15.0218% | 4,308 |
| Memoranda: | ||
| Average total assets | $139,417,250 | 3,839 |
| Average earning assets | $130,489,250 | 3,776 |
| Average equity | $13,525,750 | 4,123 |
| Average total loans | $65,591,500 | 4,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,890 |
| Cost of funding earning assets | 1.1506% | 113 |
| Net interest margin | 2.8109% | 5,881 |
| Noninterest income to average assets | 0.1968% | 5,787 |
| Noninterest expense to average assets | 1.7629% | 6,192 |
| Loan and lease loss provision to assets | 0.1041% | 2,283 |
| Net operating income to assets | 0.8101% | 3,274 |
| Return on assets (ROA) | 0.7374% | 3,728 |
| Pretax return on assets | 0.8715% | 3,991 |
| Return on Equity (ROE) | 7.8024% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.6403% | 1,955 |
| Net charge-offs to loans | 0.0283% | 3,627 |
| Credit loss provision to net charge-offs | 811.1111% | 403 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 641 |
| Efficiency ratio | 62.4242% | 4,955 |
| Assets per employee ($millions) | 5.7997% | 1,424 |
| Cash dividends to net income (ytd only)* | 14.8936% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 6,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,244 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.8760% | 5,096 |
| Net loans and leases to deposits | 57.0093% | 5,122 |
| Net loans and leases to core deposits | 70.9546% | 4,154 |
| Total domestic deposits to total assets | 85.7335% | 3,182 |
| Equity capital to assets | 9.9696% | 4,150 |
| Core capital (leverage) ratio | 8.7652% | 5,313 |
| Tier 1 risk-based capital ratio | 14.6094% | 3,862 |
| Total risk-based capital ratio | 15.0804% | 4,323 |
| Memoranda: | ||
| Average total assets | $140,221,670 | 3,846 |
| Average earning assets | $131,060,670 | 3,784 |
| Average equity | $13,252,330 | 4,176 |
| Average total loans | $63,670,330 | 4,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,054 |
| Cost of funding earning assets | 1.1698% | 107 |
| Net interest margin | 2.7376% | 6,050 |
| Noninterest income to average assets | 0.2302% | 5,512 |
| Noninterest expense to average assets | 1.6371% | 6,402 |
| Loan and lease loss provision to assets | 0.1222% | 1,970 |
| Net operating income to assets | 0.9104% | 2,607 |
| Return on assets (ROA) | 0.6878% | 3,826 |
| Pretax return on assets | 0.7788% | 4,185 |
| Return on Equity (ROE) | 7.4807% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.6461% | 2,212 |
| Net charge-offs to loans | 0.0587% | 2,573 |
| Credit loss provision to net charge-offs | 477.7778% | 565 |
| Earnings coverage of net charge-offs (x) | 45.1111% | 814 |
| Efficiency ratio | 58.6558% | 5,586 |
| Assets per employee ($millions) | 6.1330% | 1,214 |
| Cash dividends to net income (ytd only)* | 11.1570% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 6,437 |
| Loan loss allowance to noncurrent loans | 258.8652% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,932 |
| Noncurrent loans to loans | 0.2222% | 5,430 |
| Net loans and leases to total assets | 44.7334% | 5,445 |
| Net loans and leases to deposits | 51.8505% | 5,462 |
| Net loans and leases to core deposits | 64.3868% | 4,660 |
| Total domestic deposits to total assets | 86.2739% | 3,222 |
| Equity capital to assets | 9.4754% | 4,530 |
| Core capital (leverage) ratio | 8.6674% | 5,431 |
| Tier 1 risk-based capital ratio | 14.9443% | 3,741 |
| Total risk-based capital ratio | 15.3978% | 4,176 |
| Memoranda: | ||
| Average total assets | $140,736,000 | 3,868 |
| Average earning assets | $131,650,000 | 3,806 |
| Average equity | $12,940,000 | 4,248 |
| Average total loans | $61,292,000 | 4,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 2,932 |
| Cost of funding earning assets | 1.2549% | 137 |
| Net interest margin | 3.0529% | 5,447 |
| Noninterest income to average assets | 0.1983% | 5,901 |
| Noninterest expense to average assets | 1.6888% | 6,459 |
| Loan and lease loss provision to assets | 0.0507% | 4,122 |
| Net operating income to assets | 1.1083% | 1,908 |
| Return on assets (ROA) | 0.9265% | 2,742 |
| Pretax return on assets | 1.1075% | 2,923 |
| Return on Equity (ROE) | 9.7458% | 2,220 |
| Retained earnings to average equity (ytd only) | 8.5733% | 886 |
| Net charge-offs to loans | 0.1931% | 2,923 |
| Credit loss provision to net charge-offs | 69.3069% | 3,325 |
| Earnings coverage of net charge-offs (x) | 18.8020% | 1,637 |
| Efficiency ratio | 55.1276% | 6,037 |
| Assets per employee ($millions) | 6.3824% | 1,048 |
| Cash dividends to net income (ytd only)* | 12.0313% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 6,514 |
| Loan loss allowance to noncurrent loans | 165.5000% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,761 |
| Noncurrent loans to loans | 0.3383% | 5,174 |
| Net loans and leases to total assets | 41.8675% | 5,834 |
| Net loans and leases to deposits | 49.0145% | 5,830 |
| Net loans and leases to core deposits | 62.2045% | 5,039 |
| Total domestic deposits to total assets | 85.4186% | 3,547 |
| Equity capital to assets | 8.9123% | 5,140 |
| Core capital (leverage) ratio | 8.4760% | 5,700 |
| Tier 1 risk-based capital ratio | 15.5915% | 3,314 |
| Total risk-based capital ratio | 16.0284% | 3,742 |
| Memoranda: | ||
| Average total assets | $138,148,200 | 3,915 |
| Average earning assets | $129,648,200 | 3,849 |
| Average equity | $13,133,800 | 4,237 |
| Average total loans | $52,300,600 | 4,873 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 4,473 |
| Cost of funding earning assets | 1.2596% | 153 |
| Net interest margin | 2.6473% | 6,255 |
| Noninterest income to average assets | 0.2084% | 5,928 |
| Noninterest expense to average assets | 1.6349% | 6,530 |
| Loan and lease loss provision to assets | 0.0388% | 4,234 |
| Net operating income to assets | 0.8323% | 3,180 |
| Return on assets (ROA) | 0.9245% | 2,826 |
| Pretax return on assets | 1.1319% | 2,975 |
| Return on Equity (ROE) | 9.5718% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.6487% | 1,172 |
| Net charge-offs to loans | 0.2661% | 2,224 |
| Credit loss provision to net charge-offs | 39.6040% | 3,711 |
| Earnings coverage of net charge-offs (x) | 10.8121% | 2,316 |
| Efficiency ratio | 60.7053% | 5,327 |
| Assets per employee ($millions) | 6.6094% | 890 |
| Cash dividends to net income (ytd only)* | 9.6433% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 6,616 |
| Loan loss allowance to noncurrent loans | 1,770.5882% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 6,288 |
| Noncurrent loans to loans | 0.0310% | 6,252 |
| Net loans and leases to total assets | 39.2974% | 6,086 |
| Net loans and leases to deposits | 46.4358% | 6,070 |
| Net loans and leases to core deposits | 58.4358% | 5,418 |
| Total domestic deposits to total assets | 84.6273% | 3,916 |
| Equity capital to assets | 9.1478% | 4,995 |
| Core capital (leverage) ratio | 8.4847% | 5,784 |
| Tier 1 risk-based capital ratio | 15.6991% | 3,353 |
| Total risk-based capital ratio | 16.1083% | 3,799 |
| Memoranda: | ||
| Average total assets | $137,582,250 | 3,958 |
| Average earning assets | $129,134,000 | 3,903 |
| Average equity | $13,288,750 | 4,254 |
| Average total loans | $50,596,250 | 4,981 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 4,741 |
| Cost of funding earning assets | 1.2741% | 163 |
| Net interest margin | 2.5528% | 6,385 |
| Noninterest income to average assets | 0.2056% | 5,973 |
| Noninterest expense to average assets | 1.6694% | 6,533 |
| Loan and lease loss provision to assets | 0.0437% | 4,091 |
| Net operating income to assets | 0.7344% | 3,642 |
| Return on assets (ROA) | 0.8719% | 3,097 |
| Pretax return on assets | 1.0585% | 3,266 |
| Return on Equity (ROE) | 8.8685% | 2,668 |
| Retained earnings to average equity (ytd only) | 7.8303% | 1,555 |
| Net charge-offs to loans | 0.4107% | 1,577 |
| Credit loss provision to net charge-offs | 29.7030% | 3,592 |
| Earnings coverage of net charge-offs (x) | 6.3465% | 2,733 |
| Efficiency ratio | 64.1097% | 4,856 |
| Assets per employee ($millions) | 6.7958% | 795 |
| Cash dividends to net income (ytd only)* | 11.7057% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 6,425 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 37.2966% | 6,221 |
| Net loans and leases to deposits | 44.2976% | 6,211 |
| Net loans and leases to core deposits | 54.6444% | 5,704 |
| Total domestic deposits to total assets | 84.1954% | 4,241 |
| Equity capital to assets | 9.2984% | 4,862 |
| Core capital (leverage) ratio | 8.1477% | 6,062 |
| Tier 1 risk-based capital ratio | 16.4353% | 2,964 |
| Total risk-based capital ratio | 16.8619% | 3,370 |
| Memoranda: | ||
| Average total assets | $137,177,000 | 3,995 |
| Average earning assets | $128,879,330 | 3,924 |
| Average equity | $13,486,000 | 4,239 |
| Average total loans | $49,180,000 | 5,061 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 4,806 |
| Cost of funding earning assets | 1.2872% | 166 |
| Net interest margin | 2.5189% | 6,488 |
| Noninterest income to average assets | 0.2322% | 5,793 |
| Noninterest expense to average assets | 1.5326% | 6,714 |
| Loan and lease loss provision to assets | 0.0290% | 4,092 |
| Net operating income to assets | 0.8528% | 2,889 |
| Return on assets (ROA) | 0.8505% | 3,041 |
| Pretax return on assets | 1.0362% | 3,199 |
| Return on Equity (ROE) | 8.4256% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.4479% | 1,965 |
| Net charge-offs to loans | 0.8368% | 720 |
| Credit loss provision to net charge-offs | 9.9010% | 3,145 |
| Earnings coverage of net charge-offs (x) | 3.6436% | 2,713 |
| Efficiency ratio | 58.9286% | 5,725 |
| Assets per employee ($millions) | 6.9595% | 777 |
| Cash dividends to net income (ytd only)* | 11.6041% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 6,487 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.9439% | 6,363 |
| Net loans and leases to deposits | 42.2176% | 6,304 |
| Net loans and leases to core deposits | 52.7871% | 5,763 |
| Total domestic deposits to total assets | 82.7709% | 4,929 |
| Equity capital to assets | 10.0202% | 4,124 |
| Core capital (leverage) ratio | 8.0423% | 6,102 |
| Tier 1 risk-based capital ratio | 16.9168% | 2,789 |
| Total risk-based capital ratio | 17.3357% | 3,173 |
| Memoranda: | ||
| Average total assets | $137,807,500 | 4,023 |
| Average earning assets | $129,579,000 | 3,949 |
| Average equity | $13,910,000 | 4,218 |
| Average total loans | $48,278,500 | 5,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 4,931 |
| Cost of funding earning assets | 1.4765% | 186 |
| Net interest margin | 2.6301% | 6,603 |
| Noninterest income to average assets | 0.2726% | 5,512 |
| Noninterest expense to average assets | 1.6416% | 6,767 |
| Loan and lease loss provision to assets | 0.0450% | 5,278 |
| Net operating income to assets | 0.8159% | 3,212 |
| Return on assets (ROA) | 1.1018% | 2,114 |
| Pretax return on assets | 1.4156% | 1,986 |
| Return on Equity (ROE) | 11.0637% | 1,784 |
| Retained earnings to average equity (ytd only) | 9.7833% | 635 |
| Net charge-offs to loans | 0.0744% | 4,935 |
| Credit loss provision to net charge-offs | 168.5714% | 1,570 |
| Earnings coverage of net charge-offs (x) | 40.9429% | 785 |
| Efficiency ratio | 60.0056% | 5,540 |
| Assets per employee ($millions) | 7.1803% | 717 |
| Cash dividends to net income (ytd only)* | 11.5731% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 6,554 |
| Loan loss allowance to noncurrent loans | 188.5417% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,829 |
| Noncurrent loans to loans | 0.4030% | 5,481 |
| Net loans and leases to total assets | 34.6605% | 6,507 |
| Net loans and leases to deposits | 41.9712% | 6,463 |
| Net loans and leases to core deposits | 52.9572% | 5,946 |
| Total domestic deposits to total assets | 82.5818% | 4,897 |
| Equity capital to assets | 10.1689% | 3,933 |
| Core capital (leverage) ratio | 7.9909% | 6,200 |
| Tier 1 risk-based capital ratio | 16.8220% | 2,738 |
| Total risk-based capital ratio | 17.3919% | 3,033 |
| Memoranda: | ||
| Average total assets | $130,973,400 | 4,125 |
| Average earning assets | $122,656,600 | 4,048 |
| Average equity | $13,042,600 | 4,349 |
| Average total loans | $47,045,200 | 5,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 4,942 |
| Cost of funding earning assets | 1.5190% | 186 |
| Net interest margin | 2.6442% | 6,706 |
| Noninterest income to average assets | 0.2603% | 5,705 |
| Noninterest expense to average assets | 1.6480% | 6,830 |
| Loan and lease loss provision to assets | 0.0597% | 4,978 |
| Net operating income to assets | 0.7905% | 3,498 |
| Return on assets (ROA) | 1.1707% | 2,024 |
| Pretax return on assets | 1.5194% | 1,810 |
| Return on Equity (ROE) | 11.8216% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.6581% | 747 |
| Net charge-offs to loans | 0.0910% | 4,466 |
| Credit loss provision to net charge-offs | 181.2500% | 1,535 |
| Earnings coverage of net charge-offs (x) | 32.9653% | 1,014 |
| Efficiency ratio | 60.2936% | 5,449 |
| Assets per employee ($millions) | 6.9431% | 766 |
| Cash dividends to net income (ytd only)* | 9.8418% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 6,604 |
| Loan loss allowance to noncurrent loans | 111.6564% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 5,212 |
| Noncurrent loans to loans | 0.7152% | 5,006 |
| Net loans and leases to total assets | 34.2789% | 6,644 |
| Net loans and leases to deposits | 41.9601% | 6,598 |
| Net loans and leases to core deposits | 53.1075% | 6,108 |
| Total domestic deposits to total assets | 81.6939% | 5,129 |
| Equity capital to assets | 10.3769% | 3,977 |
| Core capital (leverage) ratio | 7.9456% | 6,370 |
| Tier 1 risk-based capital ratio | 16.9512% | 2,759 |
| Total risk-based capital ratio | 17.5425% | 3,082 |
| Memoranda: | ||
| Average total assets | $129,610,250 | 4,197 |
| Average earning assets | $121,220,000 | 4,124 |
| Average equity | $12,835,000 | 4,431 |
| Average total loans | $46,894,500 | 5,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 4,757 |
| Cost of funding earning assets | 1.5467% | 192 |
| Net interest margin | 2.7050% | 6,703 |
| Noninterest income to average assets | 0.2903% | 5,484 |
| Noninterest expense to average assets | 1.6548% | 6,877 |
| Loan and lease loss provision to assets | 0.0310% | 5,277 |
| Net operating income to assets | 0.8580% | 3,100 |
| Return on assets (ROA) | 1.2744% | 1,672 |
| Pretax return on assets | 1.6827% | 1,307 |
| Return on Equity (ROE) | 13.0833% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.7925% | 619 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6681% | 5,776 |
| Assets per employee ($millions) | 6.9505% | 743 |
| Cash dividends to net income (ytd only)* | 9.8660% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 6,750 |
| Loan loss allowance to noncurrent loans | 99.7214% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,206 |
| Noncurrent loans to loans | 0.7584% | 4,995 |
| Net loans and leases to total assets | 35.5755% | 6,633 |
| Net loans and leases to deposits | 43.3632% | 6,583 |
| Net loans and leases to core deposits | 54.4973% | 6,059 |
| Total domestic deposits to total assets | 82.0407% | 5,112 |
| Equity capital to assets | 9.9122% | 4,464 |
| Core capital (leverage) ratio | 7.7958% | 6,450 |
| Tier 1 risk-based capital ratio | 15.9300% | 3,194 |
| Total risk-based capital ratio | 16.4919% | 3,574 |
| Memoranda: | ||
| Average total assets | $128,841,000 | 4,235 |
| Average earning assets | $120,517,330 | 4,155 |
| Average equity | $12,550,330 | 4,489 |
| Average total loans | $47,331,330 | 5,295 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 4,606 |
| Cost of funding earning assets | 1.5720% | 208 |
| Net interest margin | 2.7586% | 6,701 |
| Noninterest income to average assets | 0.3050% | 5,441 |
| Noninterest expense to average assets | 1.7040% | 6,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8760% | 3,033 |
| Return on assets (ROA) | 1.4933% | 1,157 |
| Pretax return on assets | 2.0341% | 698 |
| Return on Equity (ROE) | 15.4717% | 894 |
| Retained earnings to average equity (ytd only) | 13.7454% | 594 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9130% | 5,781 |
| Assets per employee ($millions) | 6.8411% | 819 |
| Cash dividends to net income (ytd only)* | 11.1579% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 6,868 |
| Loan loss allowance to noncurrent loans | 93.6288% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 5,234 |
| Noncurrent loans to loans | 0.7522% | 5,158 |
| Net loans and leases to total assets | 36.6610% | 6,581 |
| Net loans and leases to deposits | 44.8557% | 6,506 |
| Net loans and leases to core deposits | 55.8679% | 5,914 |
| Total domestic deposits to total assets | 81.7310% | 5,385 |
| Equity capital to assets | 9.6407% | 4,598 |
| Core capital (leverage) ratio | 7.7440% | 6,454 |
| Tier 1 risk-based capital ratio | 15.7045% | 3,337 |
| Total risk-based capital ratio | 16.2444% | 3,723 |
| Memoranda: | ||
| Average total assets | $127,231,500 | 4,299 |
| Average earning assets | $119,336,000 | 4,216 |
| Average equity | $12,280,500 | 4,560 |
| Average total loans | $47,327,500 | 5,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 4,363 |
| Cost of funding earning assets | 1.7129% | 306 |
| Net interest margin | 2.9602% | 6,586 |
| Noninterest income to average assets | 0.2726% | 5,577 |
| Noninterest expense to average assets | 1.7834% | 6,975 |
| Loan and lease loss provision to assets | 0.2560% | 3,644 |
| Net operating income to assets | 0.7857% | 3,107 |
| Return on assets (ROA) | 1.0695% | 2,067 |
| Pretax return on assets | 1.3439% | 1,971 |
| Return on Equity (ROE) | 11.4598% | 1,570 |
| Retained earnings to average equity (ytd only) | 10.0648% | 552 |
| Net charge-offs to loans | 0.4671% | 3,120 |
| Credit loss provision to net charge-offs | 145.0495% | 1,986 |
| Earnings coverage of net charge-offs (x) | 7.0545% | 2,404 |
| Efficiency ratio | 58.8863% | 5,920 |
| Assets per employee ($millions) | 6.2242% | 1,082 |
| Cash dividends to net income (ytd only)* | 12.1732% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 6,870 |
| Loan loss allowance to noncurrent loans | 93.6288% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 5,150 |
| Noncurrent loans to loans | 0.7736% | 5,144 |
| Net loans and leases to total assets | 37.2155% | 6,687 |
| Net loans and leases to deposits | 45.6946% | 6,640 |
| Net loans and leases to core deposits | 56.6020% | 6,117 |
| Total domestic deposits to total assets | 81.4441% | 5,313 |
| Equity capital to assets | 9.6640% | 4,654 |
| Core capital (leverage) ratio | 7.7296% | 6,516 |
| Tier 1 risk-based capital ratio | 15.5469% | 3,297 |
| Total risk-based capital ratio | 16.1054% | 3,695 |
| Memoranda: | ||
| Average total assets | $114,445,200 | 4,537 |
| Average earning assets | $106,546,800 | 4,490 |
| Average equity | $10,680,800 | 4,863 |
| Average total loans | $43,242,000 | 5,551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 4,325 |
| Cost of funding earning assets | 1.7380% | 335 |
| Net interest margin | 2.9912% | 6,603 |
| Noninterest income to average assets | 0.2930% | 5,515 |
| Noninterest expense to average assets | 1.7772% | 7,021 |
| Loan and lease loss provision to assets | 0.3073% | 3,071 |
| Net operating income to assets | 0.7851% | 3,231 |
| Return on assets (ROA) | 1.0768% | 2,199 |
| Pretax return on assets | 1.3555% | 2,099 |
| Return on Equity (ROE) | 11.6527% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.1703% | 797 |
| Net charge-offs to loans | 0.5819% | 2,510 |
| Credit loss provision to net charge-offs | 139.4595% | 2,288 |
| Earnings coverage of net charge-offs (x) | 5.8703% | 2,679 |
| Efficiency ratio | 57.8743% | 6,033 |
| Assets per employee ($millions) | 6.0092% | 1,195 |
| Cash dividends to net income (ytd only)* | 12.7213% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 6,932 |
| Loan loss allowance to noncurrent loans | 88.1543% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 5,134 |
| Noncurrent loans to loans | 0.8234% | 5,221 |
| Net loans and leases to total assets | 36.4175% | 6,847 |
| Net loans and leases to deposits | 45.3071% | 6,771 |
| Net loans and leases to core deposits | 56.7899% | 6,243 |
| Total domestic deposits to total assets | 80.3793% | 5,627 |
| Equity capital to assets | 9.7309% | 4,731 |
| Core capital (leverage) ratio | 7.7455% | 6,601 |
| Tier 1 risk-based capital ratio | 15.7982% | 3,221 |
| Total risk-based capital ratio | 16.3524% | 3,573 |
| Memoranda: | ||
| Average total assets | $111,935,750 | 4,621 |
| Average earning assets | $103,945,500 | 4,572 |
| Average equity | $10,343,500 | 4,946 |
| Average total loans | $42,386,250 | 5,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 4,272 |
| Cost of funding earning assets | 1.7470% | 394 |
| Net interest margin | 3.0078% | 6,590 |
| Noninterest income to average assets | 0.3242% | 5,299 |
| Noninterest expense to average assets | 1.8262% | 7,049 |
| Loan and lease loss provision to assets | 0.3755% | 2,541 |
| Net operating income to assets | 0.7383% | 3,341 |
| Return on assets (ROA) | 0.9965% | 2,349 |
| Pretax return on assets | 1.2291% | 2,376 |
| Return on Equity (ROE) | 10.9977% | 1,802 |
| Retained earnings to average equity (ytd only) | 8.9154% | 1,139 |
| Net charge-offs to loans | 0.4735% | 2,677 |
| Credit loss provision to net charge-offs | 207.0707% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 2,274 |
| Efficiency ratio | 58.6816% | 6,075 |
| Assets per employee ($millions) | 6.0448% | 1,164 |
| Cash dividends to net income (ytd only)* | 18.9338% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 6,829 |
| Loan loss allowance to noncurrent loans | 75.4274% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 4,897 |
| Noncurrent loans to loans | 1.0910% | 4,845 |
| Net loans and leases to total assets | 37.0425% | 6,905 |
| Net loans and leases to deposits | 47.3169% | 6,764 |
| Net loans and leases to core deposits | 55.2598% | 6,479 |
| Total domestic deposits to total assets | 78.2860% | 6,234 |
| Equity capital to assets | 9.2789% | 5,172 |
| Core capital (leverage) ratio | 7.9503% | 6,356 |
| Tier 1 risk-based capital ratio | 15.6281% | 3,167 |
| Total risk-based capital ratio | 16.2567% | 3,465 |
| Memoranda: | ||
| Average total assets | $109,186,330 | 4,722 |
| Average earning assets | $101,203,330 | 4,674 |
| Average equity | $9,893,000 | 5,079 |
| Average total loans | $41,819,000 | 5,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 3,782 |
| Cost of funding earning assets | 1.7860% | 395 |
| Net interest margin | 3.0716% | 6,414 |
| Noninterest income to average assets | 0.3159% | 5,401 |
| Noninterest expense to average assets | 1.9219% | 6,953 |
| Loan and lease loss provision to assets | 0.1956% | 3,669 |
| Net operating income to assets | 0.8401% | 2,827 |
| Return on assets (ROA) | 0.9741% | 2,332 |
| Pretax return on assets | 1.2035% | 2,355 |
| Return on Equity (ROE) | 10.8927% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.1169% | 1,688 |
| Net charge-offs to loans | -0.0097% | 6,359 |
| Credit loss provision to net charge-offs | -5,200.0000% | 6,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9058% | 5,844 |
| Assets per employee ($millions) | 5.6911% | 1,413 |
| Cash dividends to net income (ytd only)* | 25.4826% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 7,058 |
| Loan loss allowance to noncurrent loans | 80.2139% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 5,452 |
| Noncurrent loans to loans | 0.8939% | 5,256 |
| Net loans and leases to total assets | 38.4136% | 6,880 |
| Net loans and leases to deposits | 48.4001% | 6,728 |
| Net loans and leases to core deposits | 54.9744% | 6,486 |
| Total domestic deposits to total assets | 79.3667% | 6,101 |
| Equity capital to assets | 9.0686% | 5,097 |
| Core capital (leverage) ratio | 8.1389% | 6,072 |
| Tier 1 risk-based capital ratio | 15.6444% | 3,076 |
| Total risk-based capital ratio | 16.1948% | 3,416 |
| Memoranda: | ||
| Average total assets | $106,353,500 | 4,827 |
| Average earning assets | $98,319,000 | 4,783 |
| Average equity | $9,511,000 | 5,173 |
| Average total loans | $41,280,000 | 5,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 3,795 |
| Cost of funding earning assets | 2.1332% | 378 |
| Net interest margin | 3.0289% | 6,681 |
| Noninterest income to average assets | 0.1911% | 6,397 |
| Noninterest expense to average assets | 1.8068% | 7,255 |
| Loan and lease loss provision to assets | 0.0734% | 6,415 |
| Net operating income to assets | 0.8737% | 2,487 |
| Return on assets (ROA) | 0.9131% | 2,468 |
| Pretax return on assets | 1.1408% | 2,428 |
| Return on Equity (ROE) | 9.9956% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.6325% | 805 |
| Net charge-offs to loans | 0.4663% | 3,751 |
| Credit loss provision to net charge-offs | 40.8602% | 6,376 |
| Earnings coverage of net charge-offs (x) | 6.4892% | 2,348 |
| Efficiency ratio | 60.7990% | 5,926 |
| Assets per employee ($millions) | 5.5040% | 1,572 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 7,256 |
| Loan loss allowance to noncurrent loans | 4,940.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 5,670 |
| Noncurrent loans to loans | 0.0123% | 7,128 |
| Net loans and leases to total assets | 38.7049% | 7,039 |
| Net loans and leases to deposits | 50.1648% | 6,846 |
| Net loans and leases to core deposits | 55.0230% | 6,751 |
| Total domestic deposits to total assets | 77.1554% | 6,457 |
| Equity capital to assets | 8.8127% | 5,417 |
| Core capital (leverage) ratio | 8.0078% | 6,190 |
| Tier 1 risk-based capital ratio | 15.6713% | 2,915 |
| Total risk-based capital ratio | 16.1358% | 3,273 |
| Memoranda: | ||
| Average total assets | $103,607,000 | 4,885 |
| Average earning assets | $95,116,600 | 4,862 |
| Average equity | $9,464,200 | 5,275 |
| Average total loans | $39,885,800 | 5,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 3,924 |
| Cost of funding earning assets | 2.2042% | 379 |
| Net interest margin | 2.9793% | 6,870 |
| Noninterest income to average assets | 0.1638% | 6,693 |
| Noninterest expense to average assets | 1.7852% | 7,343 |
| Loan and lease loss provision to assets | 0.0735% | 6,321 |
| Net operating income to assets | 0.8351% | 2,859 |
| Return on assets (ROA) | 0.8733% | 2,855 |
| Pretax return on assets | 1.0848% | 2,877 |
| Return on Equity (ROE) | 9.4753% | 2,327 |
| Retained earnings to average equity (ytd only) | 8.0757% | 1,399 |
| Net charge-offs to loans | 0.5242% | 3,204 |
| Credit loss provision to net charge-offs | 36.5385% | 6,073 |
| Earnings coverage of net charge-offs (x) | 5.5194% | 2,731 |
| Efficiency ratio | 61.6481% | 5,677 |
| Assets per employee ($millions) | 5.4424% | 1,679 |
| Cash dividends to net income (ytd only)* | 14.7711% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 7,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 6,031 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 38.2251% | 7,174 |
| Net loans and leases to deposits | 50.6172% | 6,977 |
| Net loans and leases to core deposits | 53.9191% | 6,960 |
| Total domestic deposits to total assets | 75.5179% | 6,741 |
| Equity capital to assets | 9.9598% | 4,207 |
| Core capital (leverage) ratio | 7.8996% | 6,470 |
| Tier 1 risk-based capital ratio | 15.7425% | 2,885 |
| Total risk-based capital ratio | 16.2443% | 3,241 |
| Memoranda: | ||
| Average total assets | $103,364,750 | 4,953 |
| Average earning assets | $94,784,250 | 4,938 |
| Average equity | $9,526,250 | 5,335 |
| Average total loans | $39,676,500 | 6,015 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 3,782 |
| Cost of funding earning assets | 2.2708% | 369 |
| Net interest margin | 2.9658% | 6,908 |
| Noninterest income to average assets | 0.1955% | 6,500 |
| Noninterest expense to average assets | 1.7765% | 7,416 |
| Loan and lease loss provision to assets | 0.0755% | 6,191 |
| Net operating income to assets | 0.8551% | 2,710 |
| Return on assets (ROA) | 0.8457% | 2,904 |
| Pretax return on assets | 1.0489% | 2,940 |
| Return on Equity (ROE) | 9.4296% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.2212% | 1,364 |
| Net charge-offs to loans | 0.7871% | 2,276 |
| Credit loss provision to net charge-offs | 25.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | 3.7628% | 3,186 |
| Efficiency ratio | 60.9967% | 5,858 |
| Assets per employee ($millions) | 5.7742% | 1,390 |
| Cash dividends to net income (ytd only)* | 12.8146% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 7,408 |
| Loan loss allowance to noncurrent loans | 400.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 5,424 |
| Noncurrent loans to loans | 0.1514% | 6,958 |
| Net loans and leases to total assets | 37.8877% | 7,273 |
| Net loans and leases to deposits | 50.3684% | 7,054 |
| Net loans and leases to core deposits | 53.8833% | 7,045 |
| Total domestic deposits to total assets | 75.2213% | 6,821 |
| Equity capital to assets | 9.2538% | 5,069 |
| Core capital (leverage) ratio | 7.6568% | 6,667 |
| Tier 1 risk-based capital ratio | 15.2248% | 3,050 |
| Total risk-based capital ratio | 15.6874% | 3,444 |
| Memoranda: | ||
| Average total assets | $103,351,000 | 4,983 |
| Average earning assets | $94,680,000 | 4,970 |
| Average equity | $9,268,670 | 5,423 |
| Average total loans | $39,640,330 | 6,062 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 3,939 |
| Cost of funding earning assets | 2.3076% | 427 |
| Net interest margin | 2.9078% | 7,007 |
| Noninterest income to average assets | 0.1941% | 6,576 |
| Noninterest expense to average assets | 1.7543% | 7,520 |
| Loan and lease loss provision to assets | 0.0737% | 5,901 |
| Net operating income to assets | 0.8455% | 2,770 |
| Return on assets (ROA) | 0.8073% | 3,027 |
| Pretax return on assets | 0.9897% | 3,128 |
| Return on Equity (ROE) | 9.1489% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.6974% | 1,844 |
| Net charge-offs to loans | 0.6557% | 2,185 |
| Credit loss provision to net charge-offs | 29.2308% | 4,827 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,633 |
| Efficiency ratio | 61.2466% | 5,954 |
| Assets per employee ($millions) | 5.8582% | 1,366 |
| Cash dividends to net income (ytd only)* | 15.8654% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 7,165 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 5,300 |
| Noncurrent loans to loans | 0.7827% | 5,759 |
| Net loans and leases to total assets | 37.3866% | 7,371 |
| Net loans and leases to deposits | 50.0743% | 7,119 |
| Net loans and leases to core deposits | 53.0699% | 7,154 |
| Total domestic deposits to total assets | 74.6622% | 6,958 |
| Equity capital to assets | 8.7684% | 5,614 |
| Core capital (leverage) ratio | 7.5949% | 6,746 |
| Tier 1 risk-based capital ratio | 14.6923% | 3,262 |
| Total risk-based capital ratio | 15.2863% | 3,595 |
| Memoranda: | ||
| Average total assets | $103,058,500 | 5,060 |
| Average earning assets | $94,643,000 | 5,027 |
| Average equity | $9,094,000 | 5,515 |
| Average total loans | $39,651,000 | 6,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7343% | 2,937 |
| Cost of funding earning assets | 2.7247% | 550 |
| Net interest margin | 3.0096% | 6,619 |
| Noninterest income to average assets | 0.1866% | 6,756 |
| Noninterest expense to average assets | 1.7095% | 7,694 |
| Loan and lease loss provision to assets | 1.0545% | 2,179 |
| Net operating income to assets | 0.3082% | 4,503 |
| Return on assets (ROA) | 0.3001% | 4,614 |
| Pretax return on assets | 0.2099% | 4,982 |
| Return on Equity (ROE) | 3.3209% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.9970% | 3,705 |
| Net charge-offs to loans | 2.6780% | 841 |
| Credit loss provision to net charge-offs | 99.7124% | 5,591 |
| Earnings coverage of net charge-offs (x) | 1.2033% | 4,920 |
| Efficiency ratio | 57.3274% | 6,858 |
| Assets per employee ($millions) | 5.9218% | 1,301 |
| Cash dividends to net income (ytd only)* | 39.8649% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,800 |
| Loan loss allowance to noncurrent loans | 58.2382% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 4,837 |
| Noncurrent loans to loans | 1.5492% | 4,328 |
| Net loans and leases to total assets | 38.9500% | 7,406 |
| Net loans and leases to deposits | 52.5201% | 7,131 |
| Net loans and leases to core deposits | 67.6600% | 6,899 |
| Total domestic deposits to total assets | 74.1621% | 6,997 |
| Equity capital to assets | 8.8825% | 5,310 |
| Core capital (leverage) ratio | 7.5849% | 6,700 |
| Tier 1 risk-based capital ratio | 14.8150% | 3,041 |
| Total risk-based capital ratio | 15.5186% | 3,288 |
| Memoranda: | ||
| Average total assets | $98,624,200 | 5,120 |
| Average earning assets | $91,606,800 | 5,073 |
| Average equity | $8,913,200 | 5,630 |
| Average total loans | $38,946,800 | 6,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7883% | 2,942 |
| Cost of funding earning assets | 2.8007% | 596 |
| Net interest margin | 2.9876% | 6,636 |
| Noninterest income to average assets | 0.1998% | 6,787 |
| Noninterest expense to average assets | 1.6960% | 7,767 |
| Loan and lease loss provision to assets | 1.2842% | 1,496 |
| Net operating income to assets | 0.1678% | 5,263 |
| Return on assets (ROA) | 0.1617% | 5,341 |
| Pretax return on assets | -0.0082% | 5,720 |
| Return on Equity (ROE) | 1.7815% | 5,237 |
| Retained earnings to average equity (ytd only) | 0.5539% | 4,974 |
| Net charge-offs to loans | 3.3409% | 467 |
| Credit loss provision to net charge-offs | 97.2222% | 5,255 |
| Earnings coverage of net charge-offs (x) | 0.9732% | 5,085 |
| Efficiency ratio | 56.8824% | 6,885 |
| Assets per employee ($millions) | 5.8742% | 1,299 |
| Cash dividends to net income (ytd only)* | 68.9084% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,969 |
| Loan loss allowance to noncurrent loans | 45.4297% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.4150% | 4,274 |
| Noncurrent loans to loans | 1.8613% | 3,824 |
| Net loans and leases to total assets | 39.1024% | 7,499 |
| Net loans and leases to deposits | 54.1033% | 7,211 |
| Net loans and leases to core deposits | 70.0978% | 6,964 |
| Total domestic deposits to total assets | 72.2735% | 7,176 |
| Equity capital to assets | 9.2238% | 5,128 |
| Core capital (leverage) ratio | 7.4808% | 7,003 |
| Tier 1 risk-based capital ratio | 14.7589% | 3,155 |
| Total risk-based capital ratio | 15.4253% | 3,401 |
| Memoranda: | ||
| Average total assets | $98,112,750 | 5,172 |
| Average earning assets | $91,354,500 | 5,115 |
| Average equity | $8,906,000 | 5,681 |
| Average total loans | $38,791,500 | 6,207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 2,968 |
| Cost of funding earning assets | 2.8593% | 673 |
| Net interest margin | 2.9582% | 6,660 |
| Noninterest income to average assets | 0.1928% | 6,913 |
| Noninterest expense to average assets | 1.6795% | 7,853 |
| Loan and lease loss provision to assets | 0.9843% | 1,710 |
| Net operating income to assets | 0.3548% | 4,663 |
| Return on assets (ROA) | 0.3404% | 4,832 |
| Pretax return on assets | 0.2768% | 5,256 |
| Return on Equity (ROE) | 3.7709% | 4,592 |
| Retained earnings to average equity (ytd only) | 2.7032% | 3,825 |
| Net charge-offs to loans | 2.9693% | 553 |
| Credit loss provision to net charge-offs | 83.7696% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.0855% | 4,700 |
| Efficiency ratio | 56.8355% | 7,012 |
| Assets per employee ($millions) | 5.7927% | 1,346 |
| Cash dividends to net income (ytd only)* | 28.3133% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 7,440 |
| Loan loss allowance to noncurrent loans | 22.5507% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 3,486 |
| Noncurrent loans to loans | 3.0711% | 2,336 |
| Net loans and leases to total assets | 38.8785% | 7,607 |
| Net loans and leases to deposits | 53.2586% | 7,323 |
| Net loans and leases to core deposits | 68.0931% | 7,117 |
| Total domestic deposits to total assets | 72.9995% | 7,110 |
| Equity capital to assets | 9.0509% | 5,245 |
| Core capital (leverage) ratio | 7.6306% | 6,858 |
| Tier 1 risk-based capital ratio | 15.2336% | 2,921 |
| Total risk-based capital ratio | 15.7790% | 3,168 |
| Memoranda: | ||
| Average total assets | $97,530,000 | 5,231 |
| Average earning assets | $91,070,330 | 5,158 |
| Average equity | $8,804,330 | 5,746 |
| Average total loans | $38,595,000 | 6,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 2,921 |
| Cost of funding earning assets | 2.8991% | 772 |
| Net interest margin | 2.9741% | 6,549 |
| Noninterest income to average assets | 0.2349% | 6,584 |
| Noninterest expense to average assets | 1.6073% | 7,906 |
| Loan and lease loss provision to assets | 1.2117% | 1,069 |
| Net operating income to assets | 0.2926% | 5,325 |
| Return on assets (ROA) | 0.2885% | 5,511 |
| Pretax return on assets | 0.1896% | 5,968 |
| Return on Equity (ROE) | 3.2000% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.3771% | 4,553 |
| Net charge-offs to loans | 1.9577% | 736 |
| Credit loss provision to net charge-offs | 155.5556% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.8042% | 3,829 |
| Efficiency ratio | 53.3516% | 7,283 |
| Assets per employee ($millions) | 6.2035% | 1,089 |
| Cash dividends to net income (ytd only)* | 25.7143% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 4,785 |
| Loan loss allowance to noncurrent loans | 28.8641% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 2,766 |
| Noncurrent loans to loans | 4.1680% | 1,431 |
| Net loans and leases to total assets | 38.4732% | 7,647 |
| Net loans and leases to deposits | 53.0427% | 7,338 |
| Net loans and leases to core deposits | 67.1502% | 7,185 |
| Total domestic deposits to total assets | 72.5326% | 7,127 |
| Equity capital to assets | 8.8881% | 5,500 |
| Core capital (leverage) ratio | 7.7970% | 6,749 |
| Tier 1 risk-based capital ratio | 14.9347% | 3,102 |
| Total risk-based capital ratio | 15.8745% | 3,175 |
| Memoranda: | ||
| Average total assets | $97,057,000 | 5,270 |
| Average earning assets | $90,649,500 | 5,200 |
| Average equity | $8,750,000 | 5,798 |
| Average total loans | $38,616,000 | 6,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1839% | 4,595 |
| Cost of funding earning assets | 3.3418% | 830 |
| Net interest margin | 2.8421% | 7,266 |
| Noninterest income to average assets | 0.4193% | 5,305 |
| Noninterest expense to average assets | 1.7601% | 7,801 |
| Loan and lease loss provision to assets | 0.1554% | 5,371 |
| Net operating income to assets | 0.9940% | 2,579 |
| Return on assets (ROA) | 0.9863% | 2,483 |
| Pretax return on assets | 1.1406% | 2,872 |
| Return on Equity (ROE) | 10.6071% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.9252% | 866 |
| Net charge-offs to loans | 0.1788% | 4,407 |
| Credit loss provision to net charge-offs | 198.5714% | 2,462 |
| Earnings coverage of net charge-offs (x) | 16.6714% | 1,826 |
| Efficiency ratio | 57.4243% | 6,794 |
| Assets per employee ($millions) | 6.3239% | 976 |
| Cash dividends to net income (ytd only)* | 25.2834% | 4,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,490 |
| Loan loss allowance to noncurrent loans | 33.1187% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 3,496 |
| Noncurrent loans to loans | 2.8175% | 1,924 |
| Net loans and leases to total assets | 40.2918% | 7,658 |
| Net loans and leases to deposits | 55.3151% | 7,369 |
| Net loans and leases to core deposits | 68.8450% | 7,254 |
| Total domestic deposits to total assets | 72.8405% | 6,859 |
| Equity capital to assets | 9.1484% | 5,152 |
| Core capital (leverage) ratio | 8.1083% | 6,311 |
| Tier 1 risk-based capital ratio | 15.2932% | 2,923 |
| Total risk-based capital ratio | 16.0435% | 3,070 |
| Memoranda: | ||
| Average total assets | $89,424,200 | 5,380 |
| Average earning assets | $83,248,600 | 5,322 |
| Average equity | $8,315,200 | 5,973 |
| Average total loans | $39,140,200 | 6,215 |