Home > First and Citizens Bank > Performance and Condition Ratios
First and Citizens Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,859 |
| Cost of funding earning assets | 0.4313% | 2,725 |
| Net interest margin | 3.3917% | 3,878 |
| Noninterest income to average assets | 0.3708% | 4,122 |
| Noninterest expense to average assets | 3.2211% | 1,725 |
| Loan and lease loss provision to assets | 0.0107% | 4,026 |
| Net operating income to assets | 0.2730% | 5,338 |
| Return on assets (ROA) | 0.2730% | 5,422 |
| Pretax return on assets | 0.3848% | 5,335 |
| Return on Equity (ROE) | 2.2591% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.2591% | 4,567 |
| Net charge-offs to loans | 0.2999% | 766 |
| Credit loss provision to net charge-offs | 6.9444% | 3,384 |
| Earnings coverage of net charge-offs (x) | 2.5555% | 3,548 |
| Efficiency ratio | 89.0639% | 611 |
| Assets per employee ($millions) | 5.1036% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,262 |
| Loan loss allowance to noncurrent loans | 46.8258% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 882 |
| Noncurrent loans to loans | 3.5924% | 346 |
| Net loans and leases to total assets | 49.6261% | 4,847 |
| Net loans and leases to deposits | 56.8089% | 4,947 |
| Net loans and leases to core deposits | 58.2271% | 5,042 |
| Total domestic deposits to total assets | 87.3561% | 1,732 |
| Equity capital to assets | 12.2553% | 1,937 |
| Core capital (leverage) ratio | 12.1982% | 1,550 |
| Tier 1 risk-based capital ratio | 30.3020% | 470 |
| Total risk-based capital ratio | 31.5630% | 466 |
| Memoranda: | ||
| Average total assets | $124,053,750 | 3,947 |
| Average earning assets | $118,720,000 | 3,872 |
| Average equity | $14,990,750 | 3,835 |
| Average total loans | $64,026,250 | 4,202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 3,777 |
| Cost of funding earning assets | 0.4369% | 2,683 |
| Net interest margin | 3.4130% | 3,841 |
| Noninterest income to average assets | 0.4495% | 3,527 |
| Noninterest expense to average assets | 2.6763% | 3,462 |
| Loan and lease loss provision to assets | 0.0161% | 3,790 |
| Net operating income to assets | 0.6919% | 3,831 |
| Return on assets (ROA) | 0.6919% | 3,981 |
| Pretax return on assets | 1.0178% | 3,523 |
| Return on Equity (ROE) | 5.7528% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,264 |
| Net charge-offs to loans | 0.3984% | 569 |
| Credit loss provision to net charge-offs | 7.7519% | 3,009 |
| Earnings coverage of net charge-offs (x) | 4.9922% | 2,904 |
| Efficiency ratio | 72.1333% | 2,628 |
| Assets per employee ($millions) | 4.6855% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 1,426 |
| Loan loss allowance to noncurrent loans | 47.0562% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 822 |
| Noncurrent loans to loans | 3.4904% | 379 |
| Net loans and leases to total assets | 51.8609% | 4,689 |
| Net loans and leases to deposits | 59.5480% | 4,822 |
| Net loans and leases to core deposits | 61.0457% | 4,928 |
| Total domestic deposits to total assets | 87.0910% | 1,869 |
| Equity capital to assets | 12.4739% | 1,787 |
| Core capital (leverage) ratio | 12.1743% | 1,522 |
| Tier 1 risk-based capital ratio | 28.9692% | 542 |
| Total risk-based capital ratio | 30.2295% | 533 |
| Memoranda: | ||
| Average total assets | $124,576,330 | 3,965 |
| Average earning assets | $119,016,670 | 3,893 |
| Average equity | $14,984,000 | 3,855 |
| Average total loans | $64,760,000 | 4,222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 3,756 |
| Cost of funding earning assets | 0.4415% | 2,675 |
| Net interest margin | 3.4127% | 3,828 |
| Noninterest income to average assets | 0.4510% | 3,478 |
| Noninterest expense to average assets | 2.6549% | 3,559 |
| Loan and lease loss provision to assets | 0.0318% | 3,242 |
| Net operating income to assets | 0.7018% | 3,702 |
| Return on assets (ROA) | 0.7018% | 3,817 |
| Pretax return on assets | 1.0290% | 3,369 |
| Return on Equity (ROE) | 5.9417% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.9417% | 2,405 |
| Net charge-offs to loans | 0.8305% | 247 |
| Credit loss provision to net charge-offs | 7.4074% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.4741% | 2,676 |
| Efficiency ratio | 71.4530% | 2,878 |
| Assets per employee ($millions) | 4.4758% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,549 |
| Loan loss allowance to noncurrent loans | 50.2876% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.9637% | 893 |
| Noncurrent loans to loans | 3.2224% | 464 |
| Net loans and leases to total assets | 50.8167% | 4,737 |
| Net loans and leases to deposits | 58.0363% | 4,852 |
| Net loans and leases to core deposits | 59.4442% | 4,972 |
| Total domestic deposits to total assets | 87.5601% | 1,888 |
| Equity capital to assets | 11.9611% | 2,056 |
| Core capital (leverage) ratio | 11.9029% | 1,675 |
| Tier 1 risk-based capital ratio | 28.4723% | 578 |
| Total risk-based capital ratio | 29.7322% | 565 |
| Memoranda: | ||
| Average total assets | $125,953,500 | 3,981 |
| Average earning assets | $120,492,500 | 3,895 |
| Average equity | $14,878,000 | 3,882 |
| Average total loans | $65,023,500 | 4,241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,419 |
| Cost of funding earning assets | 0.5127% | 2,048 |
| Net interest margin | 3.4605% | 3,675 |
| Noninterest income to average assets | 0.3141% | 4,646 |
| Noninterest expense to average assets | 2.7372% | 3,458 |
| Loan and lease loss provision to assets | 0.0159% | 4,093 |
| Net operating income to assets | 0.5917% | 4,313 |
| Return on assets (ROA) | 0.5917% | 4,410 |
| Pretax return on assets | 0.8590% | 3,991 |
| Return on Equity (ROE) | 5.1579% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.1579% | 2,306 |
| Net charge-offs to loans | -0.2925% | 6,011 |
| Credit loss provision to net charge-offs | -10.3627% | 4,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7795% | 2,309 |
| Assets per employee ($millions) | 4.5237% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 1,136 |
| Loan loss allowance to noncurrent loans | 52.5750% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.8743% | 979 |
| Noncurrent loans to loans | 3.4189% | 419 |
| Net loans and leases to total assets | 50.6375% | 4,811 |
| Net loans and leases to deposits | 57.5863% | 4,940 |
| Net loans and leases to core deposits | 58.8253% | 5,054 |
| Total domestic deposits to total assets | 87.9333% | 1,667 |
| Equity capital to assets | 11.6577% | 2,225 |
| Core capital (leverage) ratio | 11.5659% | 1,911 |
| Tier 1 risk-based capital ratio | 28.0832% | 595 |
| Total risk-based capital ratio | 29.3445% | 587 |
| Memoranda: | ||
| Average total assets | $126,080,000 | 3,957 |
| Average earning assets | $120,154,400 | 3,878 |
| Average equity | $14,463,200 | 3,914 |
| Average total loans | $65,976,600 | 4,200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,325 |
| Cost of funding earning assets | 0.5240% | 2,007 |
| Net interest margin | 3.4789% | 3,630 |
| Noninterest income to average assets | 0.2975% | 4,812 |
| Noninterest expense to average assets | 2.6839% | 3,615 |
| Loan and lease loss provision to assets | 0.0212% | 3,850 |
| Net operating income to assets | 0.6215% | 4,276 |
| Return on assets (ROA) | 0.6215% | 4,387 |
| Pretax return on assets | 0.9031% | 3,973 |
| Return on Equity (ROE) | 5.4398% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,617 |
| Net charge-offs to loans | -0.4193% | 6,132 |
| Credit loss provision to net charge-offs | -9.6154% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3838% | 2,489 |
| Assets per employee ($millions) | 4.5197% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 1,237 |
| Loan loss allowance to noncurrent loans | 53.8740% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.8554% | 1,135 |
| Noncurrent loans to loans | 3.3684% | 480 |
| Net loans and leases to total assets | 50.8336% | 4,865 |
| Net loans and leases to deposits | 57.7281% | 5,014 |
| Net loans and leases to core deposits | 58.9679% | 5,133 |
| Total domestic deposits to total assets | 88.0571% | 1,524 |
| Equity capital to assets | 11.5581% | 2,457 |
| Core capital (leverage) ratio | 11.7054% | 1,879 |
| Tier 1 risk-based capital ratio | 28.3892% | 595 |
| Total risk-based capital ratio | 29.6529% | 588 |
| Memoranda: | ||
| Average total assets | $125,934,250 | 4,006 |
| Average earning assets | $119,843,500 | 3,923 |
| Average equity | $14,387,500 | 3,966 |
| Average total loans | $66,142,500 | 4,237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,226 |
| Cost of funding earning assets | 0.5379% | 1,919 |
| Net interest margin | 3.4764% | 3,596 |
| Noninterest income to average assets | 0.2959% | 4,842 |
| Noninterest expense to average assets | 2.7392% | 3,450 |
| Loan and lease loss provision to assets | 0.0318% | 3,484 |
| Net operating income to assets | 0.5758% | 4,445 |
| Return on assets (ROA) | 0.5758% | 4,546 |
| Pretax return on assets | 0.8351% | 4,185 |
| Return on Equity (ROE) | 5.0602% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.0602% | 2,822 |
| Net charge-offs to loans | -0.1356% | 5,898 |
| Credit loss provision to net charge-offs | -44.4444% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9594% | 2,365 |
| Assets per employee ($millions) | 4.4169% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 2,111 |
| Loan loss allowance to noncurrent loans | 64.8136% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 1,799 |
| Noncurrent loans to loans | 2.3771% | 965 |
| Net loans and leases to total assets | 53.0185% | 4,660 |
| Net loans and leases to deposits | 60.2081% | 4,835 |
| Net loans and leases to core deposits | 61.5417% | 4,979 |
| Total domestic deposits to total assets | 88.0587% | 1,620 |
| Equity capital to assets | 11.6461% | 2,292 |
| Core capital (leverage) ratio | 11.5034% | 1,987 |
| Tier 1 risk-based capital ratio | 27.2553% | 692 |
| Total risk-based capital ratio | 28.5160% | 673 |
| Memoranda: | ||
| Average total assets | $125,728,330 | 4,042 |
| Average earning assets | $119,720,330 | 3,948 |
| Average equity | $14,307,670 | 3,999 |
| Average total loans | $66,350,000 | 4,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,380 |
| Cost of funding earning assets | 0.5444% | 1,887 |
| Net interest margin | 3.4156% | 3,781 |
| Noninterest income to average assets | 0.2745% | 4,979 |
| Noninterest expense to average assets | 2.7076% | 3,562 |
| Loan and lease loss provision to assets | 0.0631% | 2,666 |
| Net operating income to assets | 0.5207% | 4,583 |
| Return on assets (ROA) | 0.5207% | 4,700 |
| Pretax return on assets | 0.7510% | 4,424 |
| Return on Equity (ROE) | 4.6283% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.6283% | 3,251 |
| Net charge-offs to loans | 0.1148% | 1,601 |
| Credit loss provision to net charge-offs | 105.2632% | 1,553 |
| Earnings coverage of net charge-offs (x) | 13.5789% | 1,715 |
| Efficiency ratio | 76.8817% | 2,360 |
| Assets per employee ($millions) | 4.4175% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 2,651 |
| Loan loss allowance to noncurrent loans | 74.9221% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 2,407 |
| Noncurrent loans to loans | 1.9418% | 1,373 |
| Net loans and leases to total assets | 50.8657% | 4,762 |
| Net loans and leases to deposits | 57.4058% | 4,956 |
| Net loans and leases to core deposits | 58.6214% | 5,081 |
| Total domestic deposits to total assets | 88.6073% | 1,497 |
| Equity capital to assets | 11.1960% | 2,758 |
| Core capital (leverage) ratio | 11.2995% | 2,156 |
| Tier 1 risk-based capital ratio | 27.6311% | 671 |
| Total risk-based capital ratio | 28.8871% | 656 |
| Memoranda: | ||
| Average total assets | $126,756,500 | 4,050 |
| Average earning assets | $120,506,000 | 3,962 |
| Average equity | $14,260,000 | 4,029 |
| Average total loans | $66,227,500 | 4,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,499 |
| Cost of funding earning assets | 0.6155% | 1,635 |
| Net interest margin | 3.4408% | 4,019 |
| Noninterest income to average assets | 0.3182% | 4,843 |
| Noninterest expense to average assets | 2.6717% | 3,968 |
| Loan and lease loss provision to assets | 0.1619% | 1,623 |
| Net operating income to assets | 0.5380% | 4,646 |
| Return on assets (ROA) | 0.5380% | 4,734 |
| Pretax return on assets | 0.7716% | 4,362 |
| Return on Equity (ROE) | 4.7924% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.7924% | 2,766 |
| Net charge-offs to loans | 0.6492% | 597 |
| Credit loss provision to net charge-offs | 45.3725% | 3,582 |
| Earnings coverage of net charge-offs (x) | 2.6163% | 4,105 |
| Efficiency ratio | 74.1063% | 2,813 |
| Assets per employee ($millions) | 4.3265% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 2,701 |
| Loan loss allowance to noncurrent loans | 78.4490% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 2,205 |
| Noncurrent loans to loans | 1.8468% | 1,545 |
| Net loans and leases to total assets | 52.1001% | 4,773 |
| Net loans and leases to deposits | 58.8523% | 4,994 |
| Net loans and leases to core deposits | 60.1227% | 5,134 |
| Total domestic deposits to total assets | 88.5270% | 1,512 |
| Equity capital to assets | 11.3495% | 2,562 |
| Core capital (leverage) ratio | 11.2733% | 2,164 |
| Tier 1 risk-based capital ratio | 26.8985% | 692 |
| Total risk-based capital ratio | 28.1547% | 671 |
| Memoranda: | ||
| Average total assets | $124,153,200 | 4,099 |
| Average earning assets | $118,604,800 | 3,997 |
| Average equity | $13,938,800 | 4,036 |
| Average total loans | $68,239,400 | 4,230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,483 |
| Cost of funding earning assets | 0.6245% | 1,644 |
| Net interest margin | 3.4458% | 4,036 |
| Noninterest income to average assets | 0.2907% | 5,116 |
| Noninterest expense to average assets | 2.6456% | 4,033 |
| Loan and lease loss provision to assets | 0.1077% | 2,244 |
| Net operating income to assets | 0.5750% | 4,566 |
| Return on assets (ROA) | 0.5750% | 4,644 |
| Pretax return on assets | 0.8291% | 4,258 |
| Return on Equity (ROE) | 5.1356% | 4,660 |
| Retained earnings to average equity (ytd only) | 5.1356% | 2,996 |
| Net charge-offs to loans | 0.5491% | 694 |
| Credit loss provision to net charge-offs | 35.3357% | 3,368 |
| Earnings coverage of net charge-offs (x) | 3.0742% | 3,747 |
| Efficiency ratio | 73.8503% | 2,844 |
| Assets per employee ($millions) | 4.2536% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 2,619 |
| Loan loss allowance to noncurrent loans | 60.1415% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 2,041 |
| Noncurrent loans to loans | 2.5257% | 1,154 |
| Net loans and leases to total assets | 53.6099% | 4,623 |
| Net loans and leases to deposits | 60.7305% | 4,872 |
| Net loans and leases to core deposits | 62.0642% | 5,030 |
| Total domestic deposits to total assets | 88.2752% | 1,618 |
| Equity capital to assets | 11.4467% | 2,538 |
| Core capital (leverage) ratio | 11.1813% | 2,324 |
| Tier 1 risk-based capital ratio | 26.5872% | 742 |
| Total risk-based capital ratio | 27.8463% | 722 |
| Memoranda: | ||
| Average total assets | $123,824,500 | 4,139 |
| Average earning assets | $118,284,500 | 4,032 |
| Average equity | $13,863,500 | 4,065 |
| Average total loans | $68,716,750 | 4,250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,484 |
| Cost of funding earning assets | 0.6275% | 1,659 |
| Net interest margin | 3.4380% | 4,023 |
| Noninterest income to average assets | 0.2791% | 5,195 |
| Noninterest expense to average assets | 2.5746% | 4,335 |
| Loan and lease loss provision to assets | 0.1613% | 1,539 |
| Net operating income to assets | 0.5775% | 4,464 |
| Return on assets (ROA) | 0.5775% | 4,567 |
| Pretax return on assets | 0.8308% | 4,154 |
| Return on Equity (ROE) | 5.1967% | 4,583 |
| Retained earnings to average equity (ytd only) | 5.1967% | 2,834 |
| Net charge-offs to loans | -0.0029% | 5,090 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1845% | 3,294 |
| Assets per employee ($millions) | 4.2393% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,603 |
| Loan loss allowance to noncurrent loans | 58.5804% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9408% | 1,660 |
| Noncurrent loans to loans | 3.2317% | 871 |
| Net loans and leases to total assets | 54.9679% | 4,416 |
| Net loans and leases to deposits | 62.1781% | 4,672 |
| Net loans and leases to core deposits | 63.5421% | 4,856 |
| Total domestic deposits to total assets | 88.4040% | 1,682 |
| Equity capital to assets | 11.3471% | 2,556 |
| Core capital (leverage) ratio | 11.3064% | 2,153 |
| Tier 1 risk-based capital ratio | 25.5160% | 823 |
| Total risk-based capital ratio | 26.7803% | 800 |
| Memoranda: | ||
| Average total assets | $123,981,330 | 4,159 |
| Average earning assets | $118,558,670 | 4,050 |
| Average equity | $13,778,000 | 4,086 |
| Average total loans | $69,239,000 | 4,261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,395 |
| Cost of funding earning assets | 0.6387% | 1,658 |
| Net interest margin | 3.4320% | 3,975 |
| Noninterest income to average assets | 0.2634% | 5,253 |
| Noninterest expense to average assets | 2.5831% | 4,331 |
| Loan and lease loss provision to assets | 0.1606% | 1,514 |
| Net operating income to assets | 0.5558% | 4,428 |
| Return on assets (ROA) | 0.5558% | 4,505 |
| Pretax return on assets | 0.8000% | 4,117 |
| Return on Equity (ROE) | 5.0540% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.0540% | 3,090 |
| Net charge-offs to loans | -0.0230% | 5,418 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8921% | 3,325 |
| Assets per employee ($millions) | 4.2747% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 1,959 |
| Loan loss allowance to noncurrent loans | 63.9695% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 2,060 |
| Noncurrent loans to loans | 2.8580% | 1,145 |
| Net loans and leases to total assets | 54.4476% | 4,360 |
| Net loans and leases to deposits | 61.4324% | 4,610 |
| Net loans and leases to core deposits | 62.7616% | 4,809 |
| Total domestic deposits to total assets | 88.6300% | 1,876 |
| Equity capital to assets | 11.1239% | 2,599 |
| Core capital (leverage) ratio | 11.2242% | 2,203 |
| Tier 1 risk-based capital ratio | 25.3842% | 850 |
| Total risk-based capital ratio | 26.6478% | 832 |
| Memoranda: | ||
| Average total assets | $124,502,500 | 4,182 |
| Average earning assets | $118,996,000 | 4,068 |
| Average equity | $13,692,000 | 4,107 |
| Average total loans | $69,418,000 | 4,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,991 |
| Cost of funding earning assets | 0.7560% | 1,468 |
| Net interest margin | 3.5360% | 3,738 |
| Noninterest income to average assets | 0.3255% | 5,002 |
| Noninterest expense to average assets | 2.7204% | 4,025 |
| Loan and lease loss provision to assets | 0.1249% | 2,754 |
| Net operating income to assets | 0.5935% | 4,293 |
| Return on assets (ROA) | 0.5935% | 4,407 |
| Pretax return on assets | 0.8557% | 3,938 |
| Return on Equity (ROE) | 5.3562% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.3562% | 2,380 |
| Net charge-offs to loans | 0.1381% | 3,421 |
| Credit loss provision to net charge-offs | 153.0612% | 1,511 |
| Earnings coverage of net charge-offs (x) | 12.0204% | 2,179 |
| Efficiency ratio | 73.5043% | 3,216 |
| Assets per employee ($millions) | 4.3117% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,347 |
| Loan loss allowance to noncurrent loans | 58.9128% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7611% | 2,107 |
| Noncurrent loans to loans | 2.9137% | 1,202 |
| Net loans and leases to total assets | 55.0865% | 4,449 |
| Net loans and leases to deposits | 62.0023% | 4,720 |
| Net loans and leases to core deposits | 63.5257% | 4,914 |
| Total domestic deposits to total assets | 88.8458% | 1,726 |
| Equity capital to assets | 10.8719% | 2,734 |
| Core capital (leverage) ratio | 11.1043% | 2,291 |
| Tier 1 risk-based capital ratio | 24.2102% | 933 |
| Total risk-based capital ratio | 25.4721% | 921 |
| Memoranda: | ||
| Average total assets | $120,130,000 | 4,274 |
| Average earning assets | $114,677,800 | 4,169 |
| Average equity | $13,311,800 | 4,202 |
| Average total loans | $70,939,200 | 4,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,848 |
| Cost of funding earning assets | 0.7804% | 1,427 |
| Net interest margin | 3.5554% | 3,632 |
| Noninterest income to average assets | 0.3117% | 5,208 |
| Noninterest expense to average assets | 2.6464% | 4,213 |
| Loan and lease loss provision to assets | 0.1402% | 2,542 |
| Net operating income to assets | 0.6313% | 4,206 |
| Return on assets (ROA) | 0.6313% | 4,329 |
| Pretax return on assets | 0.9173% | 3,801 |
| Return on Equity (ROE) | 5.6690% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.6690% | 2,624 |
| Net charge-offs to loans | 0.1480% | 3,062 |
| Credit loss provision to net charge-offs | 158.2278% | 1,493 |
| Earnings coverage of net charge-offs (x) | 11.9368% | 2,186 |
| Efficiency ratio | 71.4502% | 3,522 |
| Assets per employee ($millions) | 4.1571% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 2,666 |
| Loan loss allowance to noncurrent loans | 115.5405% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 3,674 |
| Noncurrent loans to loans | 1.4605% | 2,976 |
| Net loans and leases to total assets | 57.8475% | 4,033 |
| Net loans and leases to deposits | 65.4399% | 4,363 |
| Net loans and leases to core deposits | 67.3004% | 4,591 |
| Total domestic deposits to total assets | 88.3978% | 1,896 |
| Equity capital to assets | 11.1484% | 2,622 |
| Core capital (leverage) ratio | 11.1194% | 2,366 |
| Tier 1 risk-based capital ratio | 23.9482% | 1,013 |
| Total risk-based capital ratio | 25.2087% | 996 |
| Memoranda: | ||
| Average total assets | $118,903,000 | 4,342 |
| Average earning assets | $113,439,750 | 4,237 |
| Average equity | $13,241,250 | 4,261 |
| Average total loans | $71,153,500 | 4,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,728 |
| Cost of funding earning assets | 0.8014% | 1,401 |
| Net interest margin | 3.5566% | 3,531 |
| Noninterest income to average assets | 0.3194% | 5,155 |
| Noninterest expense to average assets | 2.6497% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7250% | 3,695 |
| Return on assets (ROA) | 0.7250% | 3,863 |
| Pretax return on assets | 1.0595% | 3,262 |
| Return on Equity (ROE) | 6.5123% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.5123% | 2,132 |
| Net charge-offs to loans | 0.2218% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.9367% | 2,477 |
| Efficiency ratio | 71.4351% | 3,569 |
| Assets per employee ($millions) | 4.1060% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,531 |
| Loan loss allowance to noncurrent loans | 96.8383% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 3,617 |
| Noncurrent loans to loans | 1.5614% | 2,965 |
| Net loans and leases to total assets | 58.6412% | 3,880 |
| Net loans and leases to deposits | 66.3017% | 4,229 |
| Net loans and leases to core deposits | 68.2031% | 4,474 |
| Total domestic deposits to total assets | 88.4459% | 1,952 |
| Equity capital to assets | 11.1845% | 2,565 |
| Core capital (leverage) ratio | 11.0321% | 2,325 |
| Tier 1 risk-based capital ratio | 23.7277% | 1,025 |
| Total risk-based capital ratio | 24.9856% | 1,013 |
| Memoranda: | ||
| Average total assets | $118,352,330 | 4,381 |
| Average earning assets | $112,804,000 | 4,275 |
| Average equity | $13,175,000 | 4,304 |
| Average total loans | $71,226,330 | 4,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 2,529 |
| Cost of funding earning assets | 0.8151% | 1,444 |
| Net interest margin | 3.5843% | 3,323 |
| Noninterest income to average assets | 0.2983% | 5,318 |
| Noninterest expense to average assets | 2.6171% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7458% | 3,455 |
| Return on assets (ROA) | 0.7458% | 3,590 |
| Pretax return on assets | 1.0950% | 2,973 |
| Return on Equity (ROE) | 6.7158% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7158% | 2,306 |
| Net charge-offs to loans | 0.3978% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.5493% | 2,526 |
| Efficiency ratio | 70.5023% | 3,893 |
| Assets per employee ($millions) | 4.2382% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,736 |
| Loan loss allowance to noncurrent loans | 71.9041% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 3,023 |
| Noncurrent loans to loans | 2.1139% | 2,484 |
| Net loans and leases to total assets | 58.9665% | 3,615 |
| Net loans and leases to deposits | 66.6099% | 3,969 |
| Net loans and leases to core deposits | 68.5264% | 4,240 |
| Total domestic deposits to total assets | 88.5252% | 1,987 |
| Equity capital to assets | 11.1225% | 2,822 |
| Core capital (leverage) ratio | 11.0322% | 2,235 |
| Tier 1 risk-based capital ratio | 23.4341% | 1,089 |
| Total risk-based capital ratio | 24.6930% | 1,070 |
| Memoranda: | ||
| Average total assets | $117,991,000 | 4,439 |
| Average earning assets | $112,380,000 | 4,326 |
| Average equity | $13,103,500 | 4,363 |
| Average total loans | $71,390,000 | 4,297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 3,180 |
| Cost of funding earning assets | 1.0120% | 1,288 |
| Net interest margin | 3.5453% | 4,318 |
| Noninterest income to average assets | 0.3027% | 5,289 |
| Noninterest expense to average assets | 2.7961% | 4,033 |
| Loan and lease loss provision to assets | 0.2394% | 2,737 |
| Net operating income to assets | 0.4566% | 4,852 |
| Return on assets (ROA) | 0.4566% | 5,104 |
| Pretax return on assets | 0.6430% | 4,843 |
| Return on Equity (ROE) | 4.1746% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.1746% | 3,290 |
| Net charge-offs to loans | 0.0640% | 5,049 |
| Credit loss provision to net charge-offs | 608.6957% | 401 |
| Earnings coverage of net charge-offs (x) | 22.4348% | 1,264 |
| Efficiency ratio | 76.0112% | 2,742 |
| Assets per employee ($millions) | 4.3449% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 3,288 |
| Loan loss allowance to noncurrent loans | 119.3983% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 4,084 |
| Noncurrent loans to loans | 1.3440% | 3,593 |
| Net loans and leases to total assets | 60.1587% | 3,580 |
| Net loans and leases to deposits | 68.0225% | 3,978 |
| Net loans and leases to core deposits | 69.9986% | 4,317 |
| Total domestic deposits to total assets | 88.4395% | 1,934 |
| Equity capital to assets | 11.0883% | 2,849 |
| Core capital (leverage) ratio | 10.8885% | 2,351 |
| Tier 1 risk-based capital ratio | 23.0648% | 1,105 |
| Total risk-based capital ratio | 24.3252% | 1,084 |
| Memoranda: | ||
| Average total assets | $116,950,000 | 4,422 |
| Average earning assets | $111,359,600 | 4,306 |
| Average equity | $12,791,600 | 4,405 |
| Average total loans | $71,837,200 | 4,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 3,425 |
| Cost of funding earning assets | 1.0537% | 1,265 |
| Net interest margin | 3.4969% | 4,661 |
| Noninterest income to average assets | 0.2738% | 5,594 |
| Noninterest expense to average assets | 2.7052% | 4,348 |
| Loan and lease loss provision to assets | 0.1483% | 3,681 |
| Net operating income to assets | 0.5203% | 4,761 |
| Return on assets (ROA) | 0.5203% | 5,023 |
| Pretax return on assets | 0.7485% | 4,681 |
| Return on Equity (ROE) | 4.7732% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.7732% | 3,541 |
| Net charge-offs to loans | 0.0668% | 4,751 |
| Credit loss provision to net charge-offs | 361.1111% | 742 |
| Earnings coverage of net charge-offs (x) | 21.8327% | 1,379 |
| Efficiency ratio | 75.1029% | 2,810 |
| Assets per employee ($millions) | 4.2112% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,383 |
| Loan loss allowance to noncurrent loans | 78.6770% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 3,720 |
| Noncurrent loans to loans | 1.7775% | 3,112 |
| Net loans and leases to total assets | 60.4534% | 3,681 |
| Net loans and leases to deposits | 68.6979% | 4,068 |
| Net loans and leases to core deposits | 70.6871% | 4,412 |
| Total domestic deposits to total assets | 87.9989% | 2,043 |
| Equity capital to assets | 10.9945% | 3,287 |
| Core capital (leverage) ratio | 10.8413% | 2,553 |
| Tier 1 risk-based capital ratio | 22.6068% | 1,238 |
| Total risk-based capital ratio | 23.8640% | 1,212 |
| Memoranda: | ||
| Average total assets | $116,859,250 | 4,464 |
| Average earning assets | $111,221,000 | 4,357 |
| Average equity | $12,737,500 | 4,456 |
| Average total loans | $71,865,250 | 4,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 3,376 |
| Cost of funding earning assets | 1.0918% | 1,248 |
| Net interest margin | 3.5047% | 4,646 |
| Noninterest income to average assets | 0.2472% | 5,810 |
| Noninterest expense to average assets | 2.6917% | 4,461 |
| Loan and lease loss provision to assets | 0.1373% | 3,804 |
| Net operating income to assets | 0.5236% | 4,703 |
| Return on assets (ROA) | 0.5236% | 4,979 |
| Pretax return on assets | 0.7519% | 4,643 |
| Return on Equity (ROE) | 4.8176% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.8176% | 3,397 |
| Net charge-offs to loans | 0.0697% | 4,454 |
| Credit loss provision to net charge-offs | 320.0000% | 924 |
| Earnings coverage of net charge-offs (x) | 20.7200% | 1,375 |
| Efficiency ratio | 75.1678% | 2,869 |
| Assets per employee ($millions) | 4.0586% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,603 |
| Loan loss allowance to noncurrent loans | 81.1352% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 3,947 |
| Noncurrent loans to loans | 1.6786% | 3,380 |
| Net loans and leases to total assets | 59.8127% | 3,862 |
| Net loans and leases to deposits | 67.3681% | 4,306 |
| Net loans and leases to core deposits | 69.1393% | 4,649 |
| Total domestic deposits to total assets | 88.7850% | 1,649 |
| Equity capital to assets | 10.8803% | 3,254 |
| Core capital (leverage) ratio | 10.7811% | 2,503 |
| Tier 1 risk-based capital ratio | 22.5111% | 1,196 |
| Total risk-based capital ratio | 23.7672% | 1,182 |
| Memoranda: | ||
| Average total assets | $116,507,670 | 4,493 |
| Average earning assets | $110,821,670 | 4,388 |
| Average equity | $12,662,000 | 4,468 |
| Average total loans | $71,722,330 | 4,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 3,151 |
| Cost of funding earning assets | 1.1407% | 1,214 |
| Net interest margin | 3.5347% | 4,546 |
| Noninterest income to average assets | 0.2312% | 5,972 |
| Noninterest expense to average assets | 2.6917% | 4,453 |
| Loan and lease loss provision to assets | 0.1725% | 3,241 |
| Net operating income to assets | 0.5038% | 4,811 |
| Return on assets (ROA) | 0.5038% | 5,021 |
| Pretax return on assets | 0.7247% | 4,708 |
| Return on Equity (ROE) | 4.6386% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.6386% | 3,788 |
| Net charge-offs to loans | 0.0612% | 3,882 |
| Credit loss provision to net charge-offs | 454.5455% | 709 |
| Earnings coverage of net charge-offs (x) | 23.6364% | 1,087 |
| Efficiency ratio | 75.0000% | 2,938 |
| Assets per employee ($millions) | 4.1408% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,859 |
| Loan loss allowance to noncurrent loans | 80.8799% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 4,155 |
| Noncurrent loans to loans | 1.6505% | 3,626 |
| Net loans and leases to total assets | 60.9412% | 3,459 |
| Net loans and leases to deposits | 68.6217% | 3,939 |
| Net loans and leases to core deposits | 70.0990% | 4,404 |
| Total domestic deposits to total assets | 88.8074% | 1,812 |
| Equity capital to assets | 10.9183% | 3,010 |
| Core capital (leverage) ratio | 10.7190% | 2,529 |
| Tier 1 risk-based capital ratio | 22.1471% | 1,266 |
| Total risk-based capital ratio | 23.4024% | 1,236 |
| Memoranda: | ||
| Average total assets | $115,912,000 | 4,544 |
| Average earning assets | $110,109,000 | 4,436 |
| Average equity | $12,590,000 | 4,487 |
| Average total loans | $71,898,000 | 4,387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8908% | 3,402 |
| Cost of funding earning assets | 1.3349% | 1,318 |
| Net interest margin | 3.5559% | 4,906 |
| Noninterest income to average assets | 0.2624% | 5,661 |
| Noninterest expense to average assets | 2.7346% | 4,608 |
| Loan and lease loss provision to assets | 0.3090% | 3,196 |
| Net operating income to assets | 0.4152% | 4,789 |
| Return on assets (ROA) | 0.4152% | 4,976 |
| Pretax return on assets | 0.5826% | 4,739 |
| Return on Equity (ROE) | 3.9237% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.9237% | 3,414 |
| Net charge-offs to loans | 0.4390% | 3,242 |
| Credit loss provision to net charge-offs | 110.4938% | 3,022 |
| Earnings coverage of net charge-offs (x) | 3.1883% | 3,620 |
| Efficiency ratio | 75.4106% | 2,991 |
| Assets per employee ($millions) | 4.2919% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 5,060 |
| Loan loss allowance to noncurrent loans | 74.7351% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2211% | 4,194 |
| Noncurrent loans to loans | 1.6998% | 3,613 |
| Net loans and leases to total assets | 61.4993% | 3,693 |
| Net loans and leases to deposits | 69.4161% | 4,213 |
| Net loans and leases to core deposits | 70.9086% | 4,660 |
| Total domestic deposits to total assets | 88.5952% | 1,784 |
| Equity capital to assets | 10.8051% | 3,190 |
| Core capital (leverage) ratio | 10.6310% | 2,581 |
| Tier 1 risk-based capital ratio | 21.7879% | 1,266 |
| Total risk-based capital ratio | 23.0428% | 1,235 |
| Memoranda: | ||
| Average total assets | $115,850,400 | 4,501 |
| Average earning assets | $109,593,200 | 4,403 |
| Average equity | $12,258,800 | 4,490 |
| Average total loans | $73,808,200 | 4,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 3,382 |
| Cost of funding earning assets | 1.3671% | 1,385 |
| Net interest margin | 3.5729% | 4,880 |
| Noninterest income to average assets | 0.2486% | 5,839 |
| Noninterest expense to average assets | 2.6679% | 4,849 |
| Loan and lease loss provision to assets | 0.3223% | 2,958 |
| Net operating income to assets | 0.4466% | 4,794 |
| Return on assets (ROA) | 0.4466% | 4,988 |
| Pretax return on assets | 0.6365% | 4,698 |
| Return on Equity (ROE) | 4.2427% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.2427% | 3,710 |
| Net charge-offs to loans | 0.5497% | 2,592 |
| Credit loss provision to net charge-offs | 91.5033% | 3,726 |
| Earnings coverage of net charge-offs (x) | 2.7222% | 3,765 |
| Efficiency ratio | 73.5639% | 3,266 |
| Assets per employee ($millions) | 4.2945% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,592 |
| Loan loss allowance to noncurrent loans | 102.1454% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 4,802 |
| Noncurrent loans to loans | 1.1451% | 4,629 |
| Net loans and leases to total assets | 62.4505% | 3,621 |
| Net loans and leases to deposits | 70.3330% | 4,246 |
| Net loans and leases to core deposits | 71.8359% | 4,736 |
| Total domestic deposits to total assets | 88.7927% | 1,551 |
| Equity capital to assets | 10.7416% | 3,430 |
| Core capital (leverage) ratio | 10.6809% | 2,685 |
| Tier 1 risk-based capital ratio | 21.3585% | 1,387 |
| Total risk-based capital ratio | 22.6122% | 1,363 |
| Memoranda: | ||
| Average total assets | $115,842,750 | 4,535 |
| Average earning assets | $109,524,750 | 4,435 |
| Average equity | $12,193,250 | 4,516 |
| Average total loans | $74,214,500 | 4,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 3,430 |
| Cost of funding earning assets | 1.3978% | 1,428 |
| Net interest margin | 3.5446% | 4,947 |
| Noninterest income to average assets | 0.2556% | 5,818 |
| Noninterest expense to average assets | 2.7080% | 4,793 |
| Loan and lease loss provision to assets | 0.4663% | 2,116 |
| Net operating income to assets | 0.3230% | 5,278 |
| Return on assets (ROA) | 0.3230% | 5,411 |
| Pretax return on assets | 0.4490% | 5,234 |
| Return on Equity (ROE) | 3.0894% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.0894% | 4,308 |
| Net charge-offs to loans | 0.7997% | 1,902 |
| Credit loss provision to net charge-offs | 90.6040% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.7785% | 3,978 |
| Efficiency ratio | 74.7378% | 3,231 |
| Assets per employee ($millions) | 3.9751% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,747 |
| Loan loss allowance to noncurrent loans | 154.6112% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,353 |
| Noncurrent loans to loans | 0.7463% | 5,419 |
| Net loans and leases to total assets | 63.5348% | 3,571 |
| Net loans and leases to deposits | 71.5084% | 4,202 |
| Net loans and leases to core deposits | 73.0460% | 4,702 |
| Total domestic deposits to total assets | 88.8495% | 1,633 |
| Equity capital to assets | 10.6188% | 3,362 |
| Core capital (leverage) ratio | 10.2889% | 2,944 |
| Tier 1 risk-based capital ratio | 20.5895% | 1,498 |
| Total risk-based capital ratio | 21.8425% | 1,472 |
| Memoranda: | ||
| Average total assets | $115,806,670 | 4,566 |
| Average earning assets | $110,027,000 | 4,444 |
| Average equity | $12,106,000 | 4,530 |
| Average total loans | $74,529,670 | 4,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 3,338 |
| Cost of funding earning assets | 1.4511% | 1,378 |
| Net interest margin | 3.4971% | 5,028 |
| Noninterest income to average assets | 0.2550% | 5,860 |
| Noninterest expense to average assets | 2.6777% | 4,929 |
| Loan and lease loss provision to assets | 0.8615% | 948 |
| Net operating income to assets | 0.0379% | 6,263 |
| Return on assets (ROA) | 0.0379% | 6,299 |
| Pretax return on assets | 0.0379% | 6,287 |
| Return on Equity (ROE) | 0.3655% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.3655% | 5,669 |
| Net charge-offs to loans | 1.5733% | 862 |
| Credit loss provision to net charge-offs | 85.0340% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.8878% | 3,980 |
| Efficiency ratio | 74.8555% | 3,351 |
| Assets per employee ($millions) | 4.0233% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,932 |
| Loan loss allowance to noncurrent loans | 139.8333% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,299 |
| Noncurrent loans to loans | 0.8074% | 5,417 |
| Net loans and leases to total assets | 62.9696% | 3,669 |
| Net loans and leases to deposits | 71.1005% | 4,184 |
| Net loans and leases to core deposits | 72.6106% | 4,711 |
| Total domestic deposits to total assets | 88.5642% | 2,039 |
| Equity capital to assets | 10.3277% | 3,374 |
| Core capital (leverage) ratio | 10.1041% | 3,028 |
| Tier 1 risk-based capital ratio | 20.3986% | 1,499 |
| Total risk-based capital ratio | 21.6516% | 1,477 |
| Memoranda: | ||
| Average total assets | $116,071,500 | 4,587 |
| Average earning assets | $110,261,500 | 4,461 |
| Average equity | $12,038,500 | 4,538 |
| Average total loans | $74,746,500 | 4,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 3,675 |
| Cost of funding earning assets | 1.7400% | 1,425 |
| Net interest margin | 3.4448% | 5,457 |
| Noninterest income to average assets | 0.2927% | 5,686 |
| Noninterest expense to average assets | 2.7708% | 4,705 |
| Loan and lease loss provision to assets | 0.3455% | 4,064 |
| Net operating income to assets | 0.3156% | 4,881 |
| Return on assets (ROA) | 0.3156% | 5,050 |
| Pretax return on assets | 0.4413% | 4,820 |
| Return on Equity (ROE) | 2.9932% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.9932% | 3,750 |
| Net charge-offs to loans | 0.4302% | 3,897 |
| Credit loss provision to net charge-offs | 122.0497% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.7795% | 3,683 |
| Efficiency ratio | 77.8849% | 2,724 |
| Assets per employee ($millions) | 3.9816% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,626 |
| Loan loss allowance to noncurrent loans | 271.6923% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 5,880 |
| Noncurrent loans to loans | 0.4323% | 6,179 |
| Net loans and leases to total assets | 64.3479% | 3,795 |
| Net loans and leases to deposits | 72.2081% | 4,483 |
| Net loans and leases to core deposits | 74.5954% | 4,899 |
| Total domestic deposits to total assets | 89.1145% | 1,590 |
| Equity capital to assets | 10.4161% | 3,259 |
| Core capital (leverage) ratio | 10.1832% | 2,885 |
| Tier 1 risk-based capital ratio | 19.8894% | 1,503 |
| Total risk-based capital ratio | 21.1427% | 1,478 |
| Memoranda: | ||
| Average total assets | $113,756,600 | 4,621 |
| Average earning assets | $107,815,400 | 4,516 |
| Average equity | $11,993,800 | 4,607 |
| Average total loans | $74,841,800 | 4,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 3,904 |
| Cost of funding earning assets | 1.7834% | 1,489 |
| Net interest margin | 3.4028% | 5,676 |
| Noninterest income to average assets | 0.2812% | 5,861 |
| Noninterest expense to average assets | 2.7106% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5506% | 4,088 |
| Return on assets (ROA) | 0.5506% | 4,259 |
| Pretax return on assets | 0.7941% | 3,933 |
| Return on Equity (ROE) | 5.2061% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.2061% | 2,840 |
| Net charge-offs to loans | -0.0143% | 7,309 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3414% | 2,715 |
| Assets per employee ($millions) | 3.8518% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,968 |
| Loan loss allowance to noncurrent loans | 79.7665% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 5,045 |
| Noncurrent loans to loans | 1.3711% | 4,565 |
| Net loans and leases to total assets | 64.1749% | 4,091 |
| Net loans and leases to deposits | 72.2712% | 4,797 |
| Net loans and leases to core deposits | 74.4695% | 5,236 |
| Total domestic deposits to total assets | 88.7973% | 1,509 |
| Equity capital to assets | 10.5934% | 3,415 |
| Core capital (leverage) ratio | 10.4126% | 2,788 |
| Tier 1 risk-based capital ratio | 19.5813% | 1,631 |
| Total risk-based capital ratio | 20.8319% | 1,599 |
| Memoranda: | ||
| Average total assets | $113,329,250 | 4,689 |
| Average earning assets | $107,359,500 | 4,586 |
| Average equity | $11,985,500 | 4,679 |
| Average total loans | $74,756,500 | 4,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 3,759 |
| Cost of funding earning assets | 1.8356% | 1,509 |
| Net interest margin | 3.4046% | 5,626 |
| Noninterest income to average assets | 0.2807% | 5,903 |
| Noninterest expense to average assets | 2.7125% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5489% | 4,099 |
| Return on assets (ROA) | 0.5489% | 4,240 |
| Pretax return on assets | 0.7905% | 3,914 |
| Return on Equity (ROE) | 5.1931% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.1931% | 2,785 |
| Net charge-offs to loans | -0.0134% | 7,238 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4341% | 2,825 |
| Assets per employee ($millions) | 3.7820% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 6,014 |
| Loan loss allowance to noncurrent loans | 152.1415% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 5,959 |
| Noncurrent loans to loans | 0.7130% | 5,826 |
| Net loans and leases to total assets | 65.6634% | 3,908 |
| Net loans and leases to deposits | 73.9185% | 4,688 |
| Net loans and leases to core deposits | 76.1964% | 5,172 |
| Total domestic deposits to total assets | 88.8321% | 1,532 |
| Equity capital to assets | 10.6179% | 3,259 |
| Core capital (leverage) ratio | 10.2959% | 2,828 |
| Tier 1 risk-based capital ratio | 18.7813% | 1,771 |
| Total risk-based capital ratio | 20.0324% | 1,743 |
| Memoranda: | ||
| Average total assets | $112,588,000 | 4,738 |
| Average earning assets | $106,562,000 | 4,632 |
| Average equity | $11,900,330 | 4,709 |
| Average total loans | $74,683,330 | 4,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 3,713 |
| Cost of funding earning assets | 1.8553% | 1,635 |
| Net interest margin | 3.4088% | 5,545 |
| Noninterest income to average assets | 0.3032% | 5,730 |
| Noninterest expense to average assets | 2.7891% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5136% | 4,328 |
| Return on assets (ROA) | 0.5136% | 4,467 |
| Pretax return on assets | 0.7383% | 4,097 |
| Return on Equity (ROE) | 4.8702% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.8702% | 3,227 |
| Net charge-offs to loans | 0.0484% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,067 |
| Efficiency ratio | 79.0698% | 2,711 |
| Assets per employee ($millions) | 3.7687% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 6,076 |
| Loan loss allowance to noncurrent loans | 495.6790% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 6,770 |
| Noncurrent loans to loans | 0.2190% | 6,896 |
| Net loans and leases to total assets | 64.7229% | 4,158 |
| Net loans and leases to deposits | 73.8222% | 4,765 |
| Net loans and leases to core deposits | 75.2989% | 5,359 |
| Total domestic deposits to total assets | 87.6740% | 2,251 |
| Equity capital to assets | 10.5332% | 3,215 |
| Core capital (leverage) ratio | 10.4552% | 2,664 |
| Tier 1 risk-based capital ratio | 18.3997% | 1,850 |
| Total risk-based capital ratio | 19.6493% | 1,822 |
| Memoranda: | ||
| Average total assets | $112,152,500 | 4,819 |
| Average earning assets | $106,077,000 | 4,702 |
| Average equity | $11,827,000 | 4,756 |
| Average total loans | $74,366,000 | 4,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6172% | 3,514 |
| Cost of funding earning assets | 2.1181% | 2,378 |
| Net interest margin | 3.4991% | 4,959 |
| Noninterest income to average assets | 0.4164% | 5,076 |
| Noninterest expense to average assets | 2.8923% | 4,559 |
| Loan and lease loss provision to assets | 0.0940% | 6,665 |
| Net operating income to assets | 0.5160% | 3,668 |
| Return on assets (ROA) | 0.5160% | 3,763 |
| Pretax return on assets | 0.7501% | 3,406 |
| Return on Equity (ROE) | 4.7834% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.7834% | 1,929 |
| Net charge-offs to loans | 0.0163% | 6,993 |
| Credit loss provision to net charge-offs | 833.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 74.8333% | 364 |
| Efficiency ratio | 77.4088% | 3,288 |
| Assets per employee ($millions) | 3.7081% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,965 |
| Loan loss allowance to noncurrent loans | 396.0976% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 6,625 |
| Noncurrent loans to loans | 0.2742% | 6,744 |
| Net loans and leases to total assets | 66.4671% | 4,042 |
| Net loans and leases to deposits | 75.7706% | 4,783 |
| Net loans and leases to core deposits | 88.0563% | 5,327 |
| Total domestic deposits to total assets | 87.7215% | 2,111 |
| Equity capital to assets | 10.5580% | 3,118 |
| Core capital (leverage) ratio | 10.5445% | 2,560 |
| Tier 1 risk-based capital ratio | 18.1099% | 1,858 |
| Total risk-based capital ratio | 19.3601% | 1,821 |
| Memoranda: | ||
| Average total assets | $106,386,000 | 4,917 |
| Average earning assets | $100,940,000 | 4,814 |
| Average equity | $11,477,200 | 4,888 |
| Average total loans | $73,531,800 | 4,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 3,445 |
| Cost of funding earning assets | 2.1794% | 2,503 |
| Net interest margin | 3.4981% | 4,872 |
| Noninterest income to average assets | 0.3816% | 5,464 |
| Noninterest expense to average assets | 2.7079% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6770% | 3,290 |
| Return on assets (ROA) | 0.6770% | 3,353 |
| Pretax return on assets | 0.9964% | 2,918 |
| Return on Equity (ROE) | 6.2398% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.2398% | 1,833 |
| Net charge-offs to loans | -0.0018% | 7,591 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1006% | 4,039 |
| Assets per employee ($millions) | 3.5246% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,380 |
| Loan loss allowance to noncurrent loans | 271.5356% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 6,385 |
| Noncurrent loans to loans | 0.3630% | 6,622 |
| Net loans and leases to total assets | 68.8806% | 3,752 |
| Net loans and leases to deposits | 78.3547% | 4,687 |
| Net loans and leases to core deposits | 91.2854% | 5,299 |
| Total domestic deposits to total assets | 87.9088% | 1,701 |
| Equity capital to assets | 11.1048% | 2,919 |
| Core capital (leverage) ratio | 10.8145% | 2,553 |
| Tier 1 risk-based capital ratio | 18.5417% | 1,855 |
| Total risk-based capital ratio | 19.7225% | 1,817 |
| Memoranda: | ||
| Average total assets | $105,171,750 | 4,984 |
| Average earning assets | $99,900,750 | 4,864 |
| Average equity | $11,410,250 | 4,944 |
| Average total loans | $73,226,750 | 4,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 3,464 |
| Cost of funding earning assets | 2.2421% | 2,614 |
| Net interest margin | 3.4705% | 4,935 |
| Noninterest income to average assets | 0.4420% | 4,917 |
| Noninterest expense to average assets | 2.6881% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7049% | 3,230 |
| Return on assets (ROA) | 0.7049% | 3,333 |
| Pretax return on assets | 1.0478% | 2,817 |
| Return on Equity (ROE) | 6.5489% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.5489% | 1,772 |
| Net charge-offs to loans | 0.0082% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 183.3333% | 221 |
| Efficiency ratio | 71.9531% | 4,421 |
| Assets per employee ($millions) | 4.4125% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,315 |
| Loan loss allowance to noncurrent loans | 2,325.8065% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 7,000 |
| Noncurrent loans to loans | 0.0426% | 7,437 |
| Net loans and leases to total assets | 67.9701% | 4,154 |
| Net loans and leases to deposits | 76.9941% | 5,030 |
| Net loans and leases to core deposits | 89.5598% | 5,567 |
| Total domestic deposits to total assets | 88.2796% | 1,634 |
| Equity capital to assets | 10.7912% | 3,124 |
| Core capital (leverage) ratio | 10.7058% | 2,660 |
| Tier 1 risk-based capital ratio | 18.7132% | 1,835 |
| Total risk-based capital ratio | 19.9156% | 1,800 |
| Memoranda: | ||
| Average total assets | $104,983,000 | 5,016 |
| Average earning assets | $99,639,330 | 4,900 |
| Average equity | $11,299,670 | 5,002 |
| Average total loans | $73,116,330 | 4,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 3,092 |
| Cost of funding earning assets | 2.2971% | 2,714 |
| Net interest margin | 3.5427% | 4,554 |
| Noninterest income to average assets | 0.6314% | 3,344 |
| Noninterest expense to average assets | 2.6291% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9070% | 2,676 |
| Return on assets (ROA) | 0.9070% | 2,824 |
| Pretax return on assets | 1.3547% | 2,104 |
| Return on Equity (ROE) | 8.4375% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.4375% | 1,649 |
| Net charge-offs to loans | -0.1037% | 7,886 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9942% | 5,334 |
| Assets per employee ($millions) | 4.4239% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,998 |
| Loan loss allowance to noncurrent loans | 221.1310% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 6,256 |
| Noncurrent loans to loans | 0.4631% | 6,257 |
| Net loans and leases to total assets | 67.6321% | 4,215 |
| Net loans and leases to deposits | 76.5337% | 5,144 |
| Net loans and leases to core deposits | 88.7997% | 5,669 |
| Total domestic deposits to total assets | 88.3690% | 1,535 |
| Equity capital to assets | 10.7400% | 3,248 |
| Core capital (leverage) ratio | 10.6410% | 2,797 |
| Tier 1 risk-based capital ratio | 18.8671% | 1,845 |
| Total risk-based capital ratio | 20.1177% | 1,798 |
| Memoranda: | ||
| Average total assets | $104,524,000 | 5,056 |
| Average earning assets | $98,908,500 | 4,946 |
| Average equity | $11,235,500 | 5,047 |
| Average total loans | $73,323,500 | 4,859 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2731% | 4,105 |
| Cost of funding earning assets | 2.7347% | 2,998 |
| Net interest margin | 3.5385% | 5,154 |
| Noninterest income to average assets | 0.2804% | 6,454 |
| Noninterest expense to average assets | 2.5946% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6897% | 3,939 |
| Return on assets (ROA) | 0.6897% | 3,773 |
| Pretax return on assets | 1.0252% | 3,287 |
| Return on Equity (ROE) | 6.6059% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.6059% | 1,295 |
| Net charge-offs to loans | 0.0616% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 22.6522% | 1,460 |
| Efficiency ratio | 71.6771% | 3,998 |
| Assets per employee ($millions) | 4.2865% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,228 |
| Loan loss allowance to noncurrent loans | 131.3975% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 5,388 |
| Noncurrent loans to loans | 0.7436% | 5,171 |
| Net loans and leases to total assets | 71.3225% | 3,724 |
| Net loans and leases to deposits | 80.5836% | 4,947 |
| Net loans and leases to core deposits | 92.8949% | 5,558 |
| Total domestic deposits to total assets | 88.5074% | 1,243 |
| Equity capital to assets | 10.7587% | 3,240 |
| Core capital (leverage) ratio | 10.6442% | 2,868 |
| Tier 1 risk-based capital ratio | 18.0049% | 2,036 |
| Total risk-based capital ratio | 19.2062% | 1,993 |
| Memoranda: | ||
| Average total assets | $101,635,400 | 5,003 |
| Average earning assets | $95,916,800 | 4,925 |
| Average equity | $10,611,800 | 5,239 |
| Average total loans | $74,690,400 | 4,708 |