Home > First National Bank > Performance and Condition Ratios
First National 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 | 10.9956% | 15 |
| Cost of funding earning assets | 0.2845% | 4,262 |
| Net interest margin | 10.7112% | 13 |
| Noninterest income to average assets | 4.4080% | 140 |
| Noninterest expense to average assets | 8.1681% | 98 |
| Loan and lease loss provision to assets | 5.4068% | 4 |
| Net operating income to assets | 0.5134% | 4,649 |
| Return on assets (ROA) | 0.5134% | 4,748 |
| Pretax return on assets | 0.8159% | 4,261 |
| Return on Equity (ROE) | 3.9924% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.9924% | 3,465 |
| Net charge-offs to loans | 5.0977% | 9 |
| Credit loss provision to net charge-offs | 136.6038% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.5722% | 3,679 |
| Efficiency ratio | 56.7592% | 4,986 |
| Assets per employee ($millions) | 3.7193% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1469% | 10 |
| Loan loss allowance to noncurrent loans | 976.4957% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 2,917 |
| Noncurrent loans to loans | 0.8343% | 2,596 |
| Net loans and leases to total assets | 72.9124% | 2,034 |
| Net loans and leases to deposits | 86.9444% | 2,147 |
| Net loans and leases to core deposits | 91.3450% | 2,449 |
| Total domestic deposits to total assets | 83.8609% | 3,254 |
| Equity capital to assets | 13.1660% | 1,405 |
| Core capital (leverage) ratio | 13.5295% | 986 |
| Tier 1 risk-based capital ratio | 19.5952% | 1,523 |
| Total risk-based capital ratio | 20.9536% | 1,469 |
| Memoranda: | ||
| Average total assets | $71,414,250 | 4,946 |
| Average earning assets | $66,558,000 | 4,918 |
| Average equity | $9,184,000 | 4,771 |
| Average total loans | $55,448,000 | 4,458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4711% | 17 |
| Cost of funding earning assets | 0.2815% | 4,329 |
| Net interest margin | 10.1895% | 15 |
| Noninterest income to average assets | 4.2979% | 149 |
| Noninterest expense to average assets | 7.8478% | 113 |
| Loan and lease loss provision to assets | 4.9426% | 7 |
| Net operating income to assets | 0.6447% | 4,071 |
| Return on assets (ROA) | 0.6447% | 4,211 |
| Pretax return on assets | 1.0019% | 3,577 |
| Return on Equity (ROE) | 5.0525% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.0525% | 2,703 |
| Net charge-offs to loans | 4.8667% | 20 |
| Credit loss provision to net charge-offs | 131.7708% | 1,756 |
| Earnings coverage of net charge-offs (x) | 1.5848% | 3,393 |
| Efficiency ratio | 56.9000% | 5,040 |
| Assets per employee ($millions) | 3.5594% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5180% | 11 |
| Loan loss allowance to noncurrent loans | 827.6471% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 2,827 |
| Noncurrent loans to loans | 0.9084% | 2,469 |
| Net loans and leases to total assets | 72.9403% | 2,022 |
| Net loans and leases to deposits | 86.8803% | 2,147 |
| Net loans and leases to core deposits | 90.8286% | 2,454 |
| Total domestic deposits to total assets | 83.9549% | 3,281 |
| Equity capital to assets | 13.0150% | 1,490 |
| Core capital (leverage) ratio | 12.8613% | 1,208 |
| Tier 1 risk-based capital ratio | 19.3109% | 1,625 |
| Total risk-based capital ratio | 20.6595% | 1,552 |
| Memoranda: | ||
| Average total assets | $71,663,330 | 4,989 |
| Average earning assets | $66,774,330 | 4,959 |
| Average equity | $9,144,000 | 4,812 |
| Average total loans | $55,232,330 | 4,499 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2375% | 19 |
| Cost of funding earning assets | 0.2751% | 4,444 |
| Net interest margin | 9.9624% | 17 |
| Noninterest income to average assets | 4.0555% | 148 |
| Noninterest expense to average assets | 7.3823% | 126 |
| Loan and lease loss provision to assets | 4.5284% | 10 |
| Net operating income to assets | 0.9179% | 2,666 |
| Return on assets (ROA) | 0.9179% | 2,776 |
| Pretax return on assets | 1.4130% | 1,865 |
| Return on Equity (ROE) | 7.2659% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.2659% | 1,764 |
| Net charge-offs to loans | 4.9438% | 13 |
| Credit loss provision to net charge-offs | 120.2363% | 1,441 |
| Earnings coverage of net charge-offs (x) | 1.5775% | 2,799 |
| Efficiency ratio | 55.4071% | 5,244 |
| Assets per employee ($millions) | 3.5941% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1923% | 16 |
| Loan loss allowance to noncurrent loans | 628.9600% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 2,515 |
| Noncurrent loans to loans | 1.1435% | 2,120 |
| Net loans and leases to total assets | 70.5680% | 2,258 |
| Net loans and leases to deposits | 83.1598% | 2,411 |
| Net loans and leases to core deposits | 87.3049% | 2,631 |
| Total domestic deposits to total assets | 84.8583% | 3,182 |
| Equity capital to assets | 12.7711% | 1,529 |
| Core capital (leverage) ratio | 12.7503% | 1,253 |
| Tier 1 risk-based capital ratio | 19.2577% | 1,670 |
| Total risk-based capital ratio | 20.5978% | 1,612 |
| Memoranda: | ||
| Average total assets | $71,901,500 | 5,030 |
| Average earning assets | $66,891,500 | 5,003 |
| Average equity | $9,083,500 | 4,845 |
| Average total loans | $54,776,000 | 4,531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1638% | 28 |
| Cost of funding earning assets | 0.2092% | 5,203 |
| Net interest margin | 8.9546% | 21 |
| Noninterest income to average assets | 3.4698% | 177 |
| Noninterest expense to average assets | 7.2440% | 134 |
| Loan and lease loss provision to assets | 4.1313% | 8 |
| Net operating income to assets | 0.2945% | 5,377 |
| Return on assets (ROA) | 0.2945% | 5,456 |
| Pretax return on assets | 0.4367% | 5,251 |
| Return on Equity (ROE) | 2.3149% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.3149% | 4,413 |
| Net charge-offs to loans | 4.0922% | 14 |
| Credit loss provision to net charge-offs | 138.8809% | 1,886 |
| Earnings coverage of net charge-offs (x) | 1.5356% | 4,067 |
| Efficiency ratio | 61.3272% | 4,707 |
| Assets per employee ($millions) | 3.7854% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9113% | 20 |
| Loan loss allowance to noncurrent loans | 497.9003% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2597% | 1,697 |
| Noncurrent loans to loans | 1.3881% | 1,690 |
| Net loans and leases to total assets | 71.0520% | 2,186 |
| Net loans and leases to deposits | 83.9734% | 2,365 |
| Net loans and leases to core deposits | 86.6635% | 2,733 |
| Total domestic deposits to total assets | 84.6125% | 3,249 |
| Equity capital to assets | 12.4955% | 1,629 |
| Core capital (leverage) ratio | 12.9319% | 1,172 |
| Tier 1 risk-based capital ratio | 18.2159% | 1,904 |
| Total risk-based capital ratio | 19.5496% | 1,841 |
| Memoranda: | ||
| Average total assets | $70,293,000 | 5,086 |
| Average earning assets | $65,486,000 | 5,050 |
| Average equity | $8,942,200 | 4,868 |
| Average total loans | $51,097,400 | 4,637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9406% | 31 |
| Cost of funding earning assets | 0.2026% | 5,351 |
| Net interest margin | 8.7380% | 23 |
| Noninterest income to average assets | 3.3921% | 183 |
| Noninterest expense to average assets | 7.0094% | 148 |
| Loan and lease loss provision to assets | 3.8042% | 8 |
| Net operating income to assets | 0.4865% | 4,836 |
| Return on assets (ROA) | 0.4865% | 4,927 |
| Pretax return on assets | 0.7250% | 4,595 |
| Return on Equity (ROE) | 3.8069% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.8069% | 3,759 |
| Net charge-offs to loans | 3.7621% | 23 |
| Credit loss provision to net charge-offs | 140.9187% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.6777% | 3,793 |
| Efficiency ratio | 60.7474% | 4,782 |
| Assets per employee ($millions) | 3.2832% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1236% | 18 |
| Loan loss allowance to noncurrent loans | 1,059.2262% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 2,685 |
| Noncurrent loans to loans | 0.6725% | 3,311 |
| Net loans and leases to total assets | 67.3000% | 2,806 |
| Net loans and leases to deposits | 79.5018% | 2,934 |
| Net loans and leases to core deposits | 82.5262% | 3,195 |
| Total domestic deposits to total assets | 84.6522% | 3,151 |
| Equity capital to assets | 13.1287% | 1,381 |
| Core capital (leverage) ratio | 12.9603% | 1,213 |
| Tier 1 risk-based capital ratio | 19.7625% | 1,608 |
| Total risk-based capital ratio | 21.0986% | 1,548 |
| Memoranda: | ||
| Average total assets | $69,885,750 | 5,162 |
| Average earning assets | $65,154,500 | 5,117 |
| Average equity | $8,931,000 | 4,923 |
| Average total loans | $50,147,750 | 4,707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5866% | 33 |
| Cost of funding earning assets | 0.1984% | 5,448 |
| Net interest margin | 8.3882% | 27 |
| Noninterest income to average assets | 3.3078% | 192 |
| Noninterest expense to average assets | 6.9489% | 152 |
| Loan and lease loss provision to assets | 3.6383% | 10 |
| Net operating income to assets | 0.3818% | 5,198 |
| Return on assets (ROA) | 0.3818% | 5,310 |
| Pretax return on assets | 0.5499% | 5,101 |
| Return on Equity (ROE) | 3.0144% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.0144% | 4,123 |
| Net charge-offs to loans | 3.6606% | 24 |
| Credit loss provision to net charge-offs | 138.9554% | 1,616 |
| Earnings coverage of net charge-offs (x) | 1.5996% | 3,485 |
| Efficiency ratio | 62.3945% | 4,617 |
| Assets per employee ($millions) | 3.5072% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5987% | 24 |
| Loan loss allowance to noncurrent loans | 1,214.1818% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 3,063 |
| Noncurrent loans to loans | 0.5435% | 3,827 |
| Net loans and leases to total assets | 67.3785% | 2,736 |
| Net loans and leases to deposits | 79.4546% | 2,857 |
| Net loans and leases to core deposits | 82.7735% | 3,102 |
| Total domestic deposits to total assets | 84.8013% | 3,212 |
| Equity capital to assets | 12.7195% | 1,533 |
| Core capital (leverage) ratio | 12.6044% | 1,331 |
| Tier 1 risk-based capital ratio | 19.4591% | 1,681 |
| Total risk-based capital ratio | 20.7895% | 1,622 |
| Memoranda: | ||
| Average total assets | $70,198,330 | 5,209 |
| Average earning assets | $65,521,000 | 5,161 |
| Average equity | $8,890,670 | 4,967 |
| Average total loans | $50,210,000 | 4,742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3207% | 34 |
| Cost of funding earning assets | 0.1830% | 5,662 |
| Net interest margin | 8.1377% | 30 |
| Noninterest income to average assets | 3.3036% | 198 |
| Noninterest expense to average assets | 6.7554% | 156 |
| Loan and lease loss provision to assets | 3.1385% | 15 |
| Net operating income to assets | 0.6322% | 4,135 |
| Return on assets (ROA) | 0.6322% | 4,253 |
| Pretax return on assets | 1.0082% | 3,463 |
| Return on Equity (ROE) | 5.0028% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.0028% | 3,051 |
| Net charge-offs to loans | 4.0228% | 27 |
| Credit loss provision to net charge-offs | 109.5427% | 1,516 |
| Earnings coverage of net charge-offs (x) | 1.4473% | 2,918 |
| Efficiency ratio | 61.9645% | 4,804 |
| Assets per employee ($millions) | 3.2135% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0961% | 38 |
| Loan loss allowance to noncurrent loans | 890.5882% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 2,675 |
| Noncurrent loans to loans | 0.6845% | 3,568 |
| Net loans and leases to total assets | 65.9750% | 2,777 |
| Net loans and leases to deposits | 77.1150% | 2,930 |
| Net loans and leases to core deposits | 79.8285% | 3,187 |
| Total domestic deposits to total assets | 85.5540% | 3,150 |
| Equity capital to assets | 12.6312% | 1,609 |
| Core capital (leverage) ratio | 12.6326% | 1,302 |
| Tier 1 risk-based capital ratio | 19.5703% | 1,717 |
| Total risk-based capital ratio | 20.8905% | 1,661 |
| Memoranda: | ||
| Average total assets | $70,225,500 | 5,252 |
| Average earning assets | $65,571,500 | 5,214 |
| Average equity | $8,875,000 | 5,016 |
| Average total loans | $50,014,500 | 4,785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1378% | 44 |
| Cost of funding earning assets | 0.1392% | 6,160 |
| Net interest margin | 7.9986% | 35 |
| Noninterest income to average assets | 2.9155% | 199 |
| Noninterest expense to average assets | 6.3755% | 165 |
| Loan and lease loss provision to assets | 3.4646% | 12 |
| Net operating income to assets | 0.4008% | 5,225 |
| Return on assets (ROA) | 0.4008% | 5,286 |
| Pretax return on assets | 0.5476% | 5,107 |
| Return on Equity (ROE) | 3.0133% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.0133% | 4,096 |
| Net charge-offs to loans | 2.9072% | 37 |
| Credit loss provision to net charge-offs | 168.6523% | 1,450 |
| Earnings coverage of net charge-offs (x) | 1.9531% | 4,296 |
| Efficiency ratio | 61.3753% | 5,011 |
| Assets per employee ($millions) | 3.1706% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9176% | 42 |
| Loan loss allowance to noncurrent loans | 844.1926% | 693 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 2,746 |
| Noncurrent loans to loans | 0.7010% | 3,580 |
| Net loans and leases to total assets | 67.9225% | 2,567 |
| Net loans and leases to deposits | 79.9211% | 2,727 |
| Net loans and leases to core deposits | 81.0185% | 3,195 |
| Total domestic deposits to total assets | 84.9870% | 3,285 |
| Equity capital to assets | 12.6446% | 1,570 |
| Core capital (leverage) ratio | 12.7702% | 1,220 |
| Tier 1 risk-based capital ratio | 16.2956% | 2,815 |
| Total risk-based capital ratio | 17.6034% | 2,730 |
| Memoranda: | ||
| Average total assets | $65,375,000 | 5,413 |
| Average earning assets | $61,073,000 | 5,368 |
| Average equity | $8,694,800 | 5,047 |
| Average total loans | $46,195,600 | 4,945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9189% | 47 |
| Cost of funding earning assets | 0.1288% | 6,292 |
| Net interest margin | 7.7902% | 40 |
| Noninterest income to average assets | 2.8873% | 198 |
| Noninterest expense to average assets | 6.3947% | 158 |
| Loan and lease loss provision to assets | 3.2814% | 14 |
| Net operating income to assets | 0.3962% | 5,260 |
| Return on assets (ROA) | 0.3962% | 5,337 |
| Pretax return on assets | 0.4895% | 5,348 |
| Return on Equity (ROE) | 2.9395% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.9395% | 4,504 |
| Net charge-offs to loans | 2.6161% | 57 |
| Credit loss provision to net charge-offs | 178.5553% | 1,400 |
| Earnings coverage of net charge-offs (x) | 2.0519% | 4,004 |
| Efficiency ratio | 62.9055% | 4,748 |
| Assets per employee ($millions) | 2.9138% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5928% | 57 |
| Loan loss allowance to noncurrent loans | 900.3268% | 621 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 2,919 |
| Noncurrent loans to loans | 0.6212% | 4,060 |
| Net loans and leases to total assets | 72.5473% | 1,756 |
| Net loans and leases to deposits | 86.0980% | 1,894 |
| Net loans and leases to core deposits | 86.5805% | 2,603 |
| Total domestic deposits to total assets | 84.2613% | 3,652 |
| Equity capital to assets | 13.6468% | 1,125 |
| Core capital (leverage) ratio | 13.5301% | 986 |
| Tier 1 risk-based capital ratio | 16.3200% | 2,893 |
| Total risk-based capital ratio | 17.6237% | 2,820 |
| Memoranda: | ||
| Average total assets | $64,280,500 | 5,504 |
| Average earning assets | $60,057,000 | 5,454 |
| Average equity | $8,663,500 | 5,097 |
| Average total loans | $45,155,000 | 5,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4798% | 53 |
| Cost of funding earning assets | 0.1330% | 6,347 |
| Net interest margin | 7.3468% | 41 |
| Noninterest income to average assets | 2.9313% | 193 |
| Noninterest expense to average assets | 6.3724% | 161 |
| Loan and lease loss provision to assets | 2.9904% | 17 |
| Net operating income to assets | 0.3606% | 5,372 |
| Return on assets (ROA) | 0.3606% | 5,440 |
| Pretax return on assets | 0.4383% | 5,458 |
| Return on Equity (ROE) | 2.6866% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.6866% | 4,499 |
| Net charge-offs to loans | 2.4574% | 81 |
| Credit loss provision to net charge-offs | 178.8104% | 1,274 |
| Earnings coverage of net charge-offs (x) | 2.0502% | 3,655 |
| Efficiency ratio | 65.0174% | 4,531 |
| Assets per employee ($millions) | 2.7522% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4285% | 66 |
| Loan loss allowance to noncurrent loans | 922.6766% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 3,120 |
| Noncurrent loans to loans | 0.5883% | 4,257 |
| Net loans and leases to total assets | 68.3096% | 2,367 |
| Net loans and leases to deposits | 81.4221% | 2,327 |
| Net loans and leases to core deposits | 81.8862% | 2,983 |
| Total domestic deposits to total assets | 83.8957% | 3,962 |
| Equity capital to assets | 13.7330% | 1,071 |
| Core capital (leverage) ratio | 13.5601% | 957 |
| Tier 1 risk-based capital ratio | 16.8908% | 2,669 |
| Total risk-based capital ratio | 18.1910% | 2,605 |
| Memoranda: | ||
| Average total assets | $64,339,670 | 5,552 |
| Average earning assets | $60,162,000 | 5,499 |
| Average equity | $8,635,330 | 5,126 |
| Average total loans | $43,786,670 | 5,134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1706% | 58 |
| Cost of funding earning assets | 0.1450% | 6,382 |
| Net interest margin | 7.0256% | 45 |
| Noninterest income to average assets | 2.7444% | 210 |
| Noninterest expense to average assets | 6.2720% | 171 |
| Loan and lease loss provision to assets | 2.7629% | 21 |
| Net operating income to assets | 0.2344% | 5,705 |
| Return on assets (ROA) | 0.2344% | 5,753 |
| Pretax return on assets | 0.2837% | 5,756 |
| Return on Equity (ROE) | 1.7661% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.7661% | 4,896 |
| Net charge-offs to loans | 2.5036% | 91 |
| Credit loss provision to net charge-offs | 167.1642% | 1,166 |
| Earnings coverage of net charge-offs (x) | 1.8433% | 3,009 |
| Efficiency ratio | 67.3064% | 4,314 |
| Assets per employee ($millions) | 2.9778% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2079% | 85 |
| Loan loss allowance to noncurrent loans | 928.6307% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 3,495 |
| Noncurrent loans to loans | 0.5608% | 4,479 |
| Net loans and leases to total assets | 62.1794% | 3,211 |
| Net loans and leases to deposits | 73.2394% | 3,160 |
| Net loans and leases to core deposits | 73.6379% | 3,685 |
| Total domestic deposits to total assets | 84.8989% | 3,918 |
| Equity capital to assets | 13.1671% | 1,225 |
| Core capital (leverage) ratio | 12.7945% | 1,249 |
| Tier 1 risk-based capital ratio | 19.0153% | 1,963 |
| Total risk-based capital ratio | 20.3171% | 1,910 |
| Memoranda: | ||
| Average total assets | $64,859,500 | 5,593 |
| Average earning assets | $60,692,500 | 5,546 |
| Average equity | $8,606,500 | 5,151 |
| Average total loans | $42,819,000 | 5,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 202 |
| Cost of funding earning assets | 0.1879% | 6,351 |
| Net interest margin | 5.7018% | 101 |
| Noninterest income to average assets | 3.2515% | 202 |
| Noninterest expense to average assets | 5.7642% | 223 |
| Loan and lease loss provision to assets | 2.7821% | 20 |
| Net operating income to assets | 0.0614% | 6,111 |
| Return on assets (ROA) | 0.0614% | 6,160 |
| Pretax return on assets | 0.0126% | 6,215 |
| Return on Equity (ROE) | 0.4546% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.4546% | 5,640 |
| Net charge-offs to loans | 1.6736% | 263 |
| Credit loss provision to net charge-offs | 290.4605% | 782 |
| Earnings coverage of net charge-offs (x) | 2.9178% | 4,022 |
| Efficiency ratio | 67.3477% | 4,316 |
| Assets per employee ($millions) | 2.7916% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8236% | 103 |
| Loan loss allowance to noncurrent loans | 544.4444% | 890 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 3,141 |
| Noncurrent loans to loans | 0.8860% | 3,771 |
| Net loans and leases to total assets | 63.2439% | 3,173 |
| Net loans and leases to deposits | 74.4768% | 3,193 |
| Net loans and leases to core deposits | 74.8903% | 3,746 |
| Total domestic deposits to total assets | 84.9175% | 3,786 |
| Equity capital to assets | 13.3739% | 1,110 |
| Core capital (leverage) ratio | 13.4728% | 962 |
| Tier 1 risk-based capital ratio | 18.9087% | 1,953 |
| Total risk-based capital ratio | 20.2047% | 1,894 |
| Memoranda: | ||
| Average total assets | $63,478,200 | 5,665 |
| Average earning assets | $59,086,400 | 5,621 |
| Average equity | $8,578,400 | 5,193 |
| Average total loans | $36,328,400 | 5,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 337 |
| Cost of funding earning assets | 0.1994% | 6,400 |
| Net interest margin | 5.3660% | 173 |
| Noninterest income to average assets | 3.3556% | 207 |
| Noninterest expense to average assets | 5.7548% | 226 |
| Loan and lease loss provision to assets | 2.6204% | 25 |
| Net operating income to assets | 0.0211% | 6,266 |
| Return on assets (ROA) | 0.0211% | 6,324 |
| Pretax return on assets | -0.0316% | 6,344 |
| Return on Equity (ROE) | 0.1554% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.1554% | 5,890 |
| Net charge-offs to loans | 1.4889% | 317 |
| Credit loss provision to net charge-offs | 320.6186% | 801 |
| Earnings coverage of net charge-offs (x) | 3.1675% | 3,784 |
| Efficiency ratio | 68.9725% | 3,919 |
| Assets per employee ($millions) | 2.6523% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6827% | 145 |
| Loan loss allowance to noncurrent loans | 467.0213% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 3,381 |
| Noncurrent loans to loans | 1.0027% | 3,805 |
| Net loans and leases to total assets | 56.1518% | 4,300 |
| Net loans and leases to deposits | 66.1632% | 4,286 |
| Net loans and leases to core deposits | 66.5339% | 4,666 |
| Total domestic deposits to total assets | 84.8687% | 3,808 |
| Equity capital to assets | 13.4598% | 1,135 |
| Core capital (leverage) ratio | 13.4689% | 1,037 |
| Tier 1 risk-based capital ratio | 20.7140% | 1,555 |
| Total risk-based capital ratio | 22.0071% | 1,517 |
| Memoranda: | ||
| Average total assets | $63,296,000 | 5,730 |
| Average earning assets | $58,838,000 | 5,689 |
| Average equity | $8,576,250 | 5,246 |
| Average total loans | $34,744,250 | 5,604 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 730 |
| Cost of funding earning assets | 0.2081% | 6,434 |
| Net interest margin | 4.9195% | 352 |
| Noninterest income to average assets | 3.4032% | 214 |
| Noninterest expense to average assets | 5.7680% | 229 |
| Loan and lease loss provision to assets | 2.3395% | 39 |
| Net operating income to assets | -0.0095% | 6,309 |
| Return on assets (ROA) | -0.0095% | 6,372 |
| Pretax return on assets | -0.1393% | 6,458 |
| Return on Equity (ROE) | -0.0699% | 6,373 |
| Retained earnings to average equity (ytd only) | -0.0699% | 5,871 |
| Net charge-offs to loans | 1.4309% | 375 |
| Credit loss provision to net charge-offs | 305.3719% | 844 |
| Earnings coverage of net charge-offs (x) | 2.8719% | 3,560 |
| Efficiency ratio | 72.3878% | 3,405 |
| Assets per employee ($millions) | 2.7436% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1028% | 233 |
| Loan loss allowance to noncurrent loans | 1,425.5102% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.9239% | 3,939 |
| Noncurrent loans to loans | 0.2878% | 5,583 |
| Net loans and leases to total assets | 51.7464% | 4,899 |
| Net loans and leases to deposits | 60.8086% | 4,886 |
| Net loans and leases to core deposits | 61.1502% | 5,162 |
| Total domestic deposits to total assets | 85.0971% | 3,847 |
| Equity capital to assets | 13.5241% | 1,124 |
| Core capital (leverage) ratio | 13.3101% | 1,050 |
| Tier 1 risk-based capital ratio | 22.4430% | 1,211 |
| Total risk-based capital ratio | 23.7222% | 1,193 |
| Memoranda: | ||
| Average total assets | $63,176,000 | 5,772 |
| Average earning assets | $58,623,330 | 5,738 |
| Average equity | $8,579,000 | 5,280 |
| Average total loans | $33,825,670 | 5,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 1,384 |
| Cost of funding earning assets | 0.2327% | 6,396 |
| Net interest margin | 4.5238% | 648 |
| Noninterest income to average assets | 2.8981% | 265 |
| Noninterest expense to average assets | 5.5179% | 268 |
| Loan and lease loss provision to assets | 1.6895% | 78 |
| Net operating income to assets | -0.0190% | 6,369 |
| Return on assets (ROA) | -0.0190% | 6,435 |
| Pretax return on assets | -0.1266% | 6,506 |
| Return on Equity (ROE) | -0.1395% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.1395% | 5,805 |
| Net charge-offs to loans | 1.9221% | 248 |
| Credit loss provision to net charge-offs | 164.8148% | 1,274 |
| Earnings coverage of net charge-offs (x) | 1.5247% | 3,323 |
| Efficiency ratio | 77.9267% | 2,618 |
| Assets per employee ($millions) | 2.7581% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 652 |
| Loan loss allowance to noncurrent loans | 1,968.6275% | 264 |
| Noncurrent assets plus other real estate owned to assets | 2.0650% | 2,271 |
| Noncurrent loans to loans | 0.1529% | 6,012 |
| Net loans and leases to total assets | 50.9860% | 4,846 |
| Net loans and leases to deposits | 59.7116% | 4,828 |
| Net loans and leases to core deposits | 60.0442% | 5,147 |
| Total domestic deposits to total assets | 85.3871% | 3,852 |
| Equity capital to assets | 13.5441% | 1,197 |
| Core capital (leverage) ratio | 13.3212% | 1,009 |
| Tier 1 risk-based capital ratio | 22.7393% | 1,199 |
| Total risk-based capital ratio | 24.0112% | 1,177 |
| Memoranda: | ||
| Average total assets | $63,213,000 | 5,830 |
| Average earning assets | $58,447,000 | 5,789 |
| Average equity | $8,601,500 | 5,331 |
| Average total loans | $33,713,500 | 5,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 4,725 |
| Cost of funding earning assets | 0.4502% | 5,579 |
| Net interest margin | 3.7119% | 3,596 |
| Noninterest income to average assets | 0.5534% | 3,554 |
| Noninterest expense to average assets | 3.3552% | 2,174 |
| Loan and lease loss provision to assets | 0.5366% | 1,077 |
| Net operating income to assets | 0.1201% | 5,967 |
| Return on assets (ROA) | 0.1201% | 6,107 |
| Pretax return on assets | 0.0958% | 6,168 |
| Return on Equity (ROE) | 0.9193% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.9193% | 5,411 |
| Net charge-offs to loans | 0.1608% | 4,097 |
| Credit loss provision to net charge-offs | 678.8462% | 363 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 84.1403% | 1,615 |
| Assets per employee ($millions) | 2.9995% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6380% | 982 |
| Loan loss allowance to noncurrent loans | 84.9716% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 2,197 |
| Noncurrent loans to loans | 3.1046% | 1,667 |
| Net loans and leases to total assets | 52.6759% | 4,812 |
| Net loans and leases to deposits | 61.7142% | 4,813 |
| Net loans and leases to core deposits | 62.0605% | 5,149 |
| Total domestic deposits to total assets | 85.3546% | 3,691 |
| Equity capital to assets | 13.6706% | 1,167 |
| Core capital (leverage) ratio | 13.1990% | 1,047 |
| Tier 1 risk-based capital ratio | 22.9483% | 1,120 |
| Total risk-based capital ratio | 24.2342% | 1,098 |
| Memoranda: | ||
| Average total assets | $65,778,600 | 5,752 |
| Average earning assets | $60,858,000 | 5,711 |
| Average equity | $8,593,400 | 5,338 |
| Average total loans | $32,340,600 | 5,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 4,901 |
| Cost of funding earning assets | 0.5080% | 5,390 |
| Net interest margin | 3.6686% | 3,926 |
| Noninterest income to average assets | 0.5074% | 3,872 |
| Noninterest expense to average assets | 3.5781% | 1,599 |
| Loan and lease loss provision to assets | 0.1926% | 3,178 |
| Net operating income to assets | 0.1524% | 6,029 |
| Return on assets (ROA) | 0.1524% | 6,182 |
| Pretax return on assets | 0.1264% | 6,235 |
| Return on Equity (ROE) | 1.1798% | 6,222 |
| Retained earnings to average equity (ytd only) | 1.1798% | 5,705 |
| Net charge-offs to loans | 0.2173% | 3,422 |
| Credit loss provision to net charge-offs | 184.6154% | 1,502 |
| Earnings coverage of net charge-offs (x) | 3.0577% | 3,808 |
| Efficiency ratio | 91.8168% | 896 |
| Assets per employee ($millions) | 2.8217% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 2,169 |
| Loan loss allowance to noncurrent loans | 321.0000% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 4,606 |
| Noncurrent loans to loans | 0.6226% | 5,196 |
| Net loans and leases to total assets | 48.5085% | 5,492 |
| Net loans and leases to deposits | 56.5552% | 5,581 |
| Net loans and leases to core deposits | 56.8616% | 5,820 |
| Total domestic deposits to total assets | 85.7720% | 3,374 |
| Equity capital to assets | 13.1587% | 1,514 |
| Core capital (leverage) ratio | 12.9228% | 1,214 |
| Tier 1 risk-based capital ratio | 23.1123% | 1,157 |
| Total risk-based capital ratio | 24.3666% | 1,134 |
| Memoranda: | ||
| Average total assets | $66,476,000 | 5,795 |
| Average earning assets | $61,421,000 | 5,755 |
| Average equity | $8,589,000 | 5,386 |
| Average total loans | $31,906,000 | 5,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 5,039 |
| Cost of funding earning assets | 0.5743% | 5,123 |
| Net interest margin | 3.6007% | 4,254 |
| Noninterest income to average assets | 0.5433% | 3,631 |
| Noninterest expense to average assets | 3.7343% | 1,320 |
| Loan and lease loss provision to assets | 0.0179% | 5,442 |
| Net operating income to assets | 0.1403% | 6,067 |
| Return on assets (ROA) | 0.1403% | 6,230 |
| Pretax return on assets | 0.1224% | 6,279 |
| Return on Equity (ROE) | 1.0923% | 6,282 |
| Retained earnings to average equity (ytd only) | 1.0923% | 5,635 |
| Net charge-offs to loans | 0.3330% | 2,694 |
| Credit loss provision to net charge-offs | 11.3208% | 4,725 |
| Earnings coverage of net charge-offs (x) | 0.8868% | 4,604 |
| Efficiency ratio | 96.3790% | 685 |
| Assets per employee ($millions) | 2.7338% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,197.8261% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 5,275 |
| Noncurrent loans to loans | 0.1464% | 6,297 |
| Net loans and leases to total assets | 47.0646% | 5,717 |
| Net loans and leases to deposits | 54.5843% | 5,813 |
| Net loans and leases to core deposits | 54.5843% | 6,054 |
| Total domestic deposits to total assets | 86.2236% | 3,236 |
| Equity capital to assets | 13.1226% | 1,462 |
| Core capital (leverage) ratio | 12.4795% | 1,363 |
| Tier 1 risk-based capital ratio | 23.3425% | 1,091 |
| Total risk-based capital ratio | 24.5643% | 1,074 |
| Memoranda: | ||
| Average total assets | $67,001,330 | 5,809 |
| Average earning assets | $61,988,670 | 5,767 |
| Average equity | $8,605,330 | 5,382 |
| Average total loans | $31,833,330 | 5,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 5,363 |
| Cost of funding earning assets | 0.6131% | 5,029 |
| Net interest margin | 3.5124% | 4,630 |
| Noninterest income to average assets | 0.5200% | 3,778 |
| Noninterest expense to average assets | 3.7343% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1123% | 6,213 |
| Return on assets (ROA) | 0.1123% | 6,339 |
| Pretax return on assets | 0.0355% | 6,472 |
| Return on Equity (ROE) | 0.8834% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.8834% | 5,711 |
| Net charge-offs to loans | 0.6243% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1200% | 4,305 |
| Efficiency ratio | 99.0596% | 588 |
| Assets per employee ($millions) | 2.8325% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,143 |
| Loan loss allowance to noncurrent loans | 6,088.8889% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 5,400 |
| Noncurrent loans to loans | 0.0288% | 6,700 |
| Net loans and leases to total assets | 45.0950% | 5,888 |
| Net loans and leases to deposits | 51.9637% | 5,974 |
| Net loans and leases to core deposits | 51.9637% | 6,207 |
| Total domestic deposits to total assets | 86.7816% | 3,079 |
| Equity capital to assets | 12.6477% | 1,628 |
| Core capital (leverage) ratio | 12.3862% | 1,394 |
| Tier 1 risk-based capital ratio | 20.2482% | 1,650 |
| Total risk-based capital ratio | 21.4965% | 1,623 |
| Memoranda: | ||
| Average total assets | $67,696,000 | 5,837 |
| Average earning assets | $62,635,500 | 5,790 |
| Average equity | $8,603,000 | 5,402 |
| Average total loans | $32,034,500 | 6,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 5,585 |
| Cost of funding earning assets | 0.7629% | 5,117 |
| Net interest margin | 3.5934% | 4,760 |
| Noninterest income to average assets | 0.4565% | 4,171 |
| Noninterest expense to average assets | 3.4295% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2933% | 5,278 |
| Return on assets (ROA) | 0.2933% | 5,435 |
| Pretax return on assets | 0.3409% | 5,448 |
| Return on Equity (ROE) | 2.3780% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.7923% | 4,934 |
| Net charge-offs to loans | -0.1179% | 7,155 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9579% | 1,117 |
| Assets per employee ($millions) | 2.8088% | 6,446 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 2,808 |
| Loan loss allowance to noncurrent loans | 132.8889% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 5,317 |
| Noncurrent loans to loans | 1.3692% | 4,090 |
| Net loans and leases to total assets | 47.8661% | 5,835 |
| Net loans and leases to deposits | 55.2527% | 5,957 |
| Net loans and leases to core deposits | 55.2527% | 6,208 |
| Total domestic deposits to total assets | 86.6313% | 2,957 |
| Equity capital to assets | 12.7694% | 1,616 |
| Core capital (leverage) ratio | 12.3856% | 1,399 |
| Tier 1 risk-based capital ratio | 23.7485% | 990 |
| Total risk-based capital ratio | 25.0042% | 977 |
| Memoranda: | ||
| Average total assets | $69,223,600 | 5,769 |
| Average earning assets | $63,838,800 | 5,739 |
| Average equity | $8,536,600 | 5,393 |
| Average total loans | $32,233,000 | 6,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 5,697 |
| Cost of funding earning assets | 0.7931% | 5,190 |
| Net interest margin | 3.5793% | 4,853 |
| Noninterest income to average assets | 0.4784% | 4,058 |
| Noninterest expense to average assets | 3.4233% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2966% | 5,403 |
| Return on assets (ROA) | 0.2966% | 5,582 |
| Pretax return on assets | 0.3540% | 5,590 |
| Return on Equity (ROE) | 2.4259% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.6434% | 5,316 |
| Net charge-offs to loans | -0.1580% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6282% | 1,130 |
| Assets per employee ($millions) | 2.8408% | 6,420 |
| Cash dividends to net income (ytd only)* | 32.2607% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.1310% | 6,040 |
| Net loans and leases to deposits | 54.3577% | 6,183 |
| Net loans and leases to core deposits | 54.3577% | 6,437 |
| Total domestic deposits to total assets | 86.7054% | 2,820 |
| Equity capital to assets | 12.6008% | 1,850 |
| Core capital (leverage) ratio | 12.0842% | 1,662 |
| Tier 1 risk-based capital ratio | 24.0482% | 1,003 |
| Total risk-based capital ratio | 25.3039% | 992 |
| Memoranda: | ||
| Average total assets | $69,676,750 | 5,792 |
| Average earning assets | $64,219,250 | 5,766 |
| Average equity | $8,518,750 | 5,427 |
| Average total loans | $32,075,000 | 6,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 5,945 |
| Cost of funding earning assets | 0.8232% | 5,225 |
| Net interest margin | 3.5000% | 5,168 |
| Noninterest income to average assets | 0.4702% | 4,106 |
| Noninterest expense to average assets | 3.3687% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2793% | 5,454 |
| Return on assets (ROA) | 0.2793% | 5,583 |
| Pretax return on assets | 0.3249% | 5,610 |
| Return on Equity (ROE) | 2.3073% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.3073% | 4,820 |
| Net charge-offs to loans | 0.0063% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 312 |
| Efficiency ratio | 91.2037% | 1,154 |
| Assets per employee ($millions) | 2.6844% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 3,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 44.2682% | 6,415 |
| Net loans and leases to deposits | 50.8567% | 6,545 |
| Net loans and leases to core deposits | 50.8567% | 6,723 |
| Total domestic deposits to total assets | 87.0449% | 2,719 |
| Equity capital to assets | 12.2788% | 1,918 |
| Core capital (leverage) ratio | 11.8129% | 1,712 |
| Tier 1 risk-based capital ratio | 24.5328% | 953 |
| Total risk-based capital ratio | 25.7826% | 932 |
| Memoranda: | ||
| Average total assets | $70,176,330 | 5,822 |
| Average earning assets | $64,628,330 | 5,799 |
| Average equity | $8,494,670 | 5,457 |
| Average total loans | $31,856,330 | 6,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 6,083 |
| Cost of funding earning assets | 0.8463% | 5,295 |
| Net interest margin | 3.4286% | 5,305 |
| Noninterest income to average assets | 0.5400% | 3,578 |
| Noninterest expense to average assets | 3.2345% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3809% | 5,025 |
| Return on assets (ROA) | 0.3809% | 5,110 |
| Pretax return on assets | 0.4604% | 5,147 |
| Return on Equity (ROE) | 3.1690% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.1690% | 4,271 |
| Net charge-offs to loans | -0.0250% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5385% | 1,562 |
| Assets per employee ($millions) | 2.9616% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,190 |
| Loan loss allowance to noncurrent loans | 1,937.9310% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,066 |
| Noncurrent loans to loans | 0.0901% | 6,823 |
| Net loans and leases to total assets | 44.4716% | 6,436 |
| Net loans and leases to deposits | 50.8297% | 6,564 |
| Net loans and leases to core deposits | 50.8297% | 6,738 |
| Total domestic deposits to total assets | 87.4914% | 2,666 |
| Equity capital to assets | 11.9318% | 1,958 |
| Core capital (leverage) ratio | 11.8201% | 1,664 |
| Tier 1 risk-based capital ratio | 23.7674% | 996 |
| Total risk-based capital ratio | 24.9914% | 979 |
| Memoranda: | ||
| Average total assets | $70,367,000 | 5,861 |
| Average earning assets | $64,749,500 | 5,833 |
| Average equity | $8,457,000 | 5,469 |
| Average total loans | $32,056,500 | 6,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 5,787 |
| Cost of funding earning assets | 1.0893% | 5,191 |
| Net interest margin | 3.6152% | 4,742 |
| Noninterest income to average assets | 0.5261% | 3,984 |
| Noninterest expense to average assets | 3.3820% | 2,484 |
| Loan and lease loss provision to assets | 0.0125% | 6,969 |
| Net operating income to assets | 0.3744% | 4,662 |
| Return on assets (ROA) | 0.3744% | 4,805 |
| Pretax return on assets | 0.4481% | 4,801 |
| Return on Equity (ROE) | 3.1984% | 4,867 |
| Retained earnings to average equity (ytd only) | 0.8204% | 5,142 |
| Net charge-offs to loans | 0.0495% | 6,298 |
| Credit loss provision to net charge-offs | 56.2500% | 6,150 |
| Earnings coverage of net charge-offs (x) | 20.6875% | 990 |
| Efficiency ratio | 88.0116% | 1,485 |
| Assets per employee ($millions) | 2.9023% | 6,319 |
| Cash dividends to net income (ytd only)* | 74.3494% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 3,015 |
| Loan loss allowance to noncurrent loans | 1,931.0345% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 7,134 |
| Noncurrent loans to loans | 0.0908% | 6,904 |
| Net loans and leases to total assets | 45.0520% | 6,633 |
| Net loans and leases to deposits | 51.6050% | 6,773 |
| Net loans and leases to core deposits | 51.6050% | 6,922 |
| Total domestic deposits to total assets | 87.3017% | 2,669 |
| Equity capital to assets | 12.1068% | 1,851 |
| Core capital (leverage) ratio | 11.8037% | 1,670 |
| Tier 1 risk-based capital ratio | 23.0548% | 1,028 |
| Total risk-based capital ratio | 24.3074% | 1,010 |
| Memoranda: | ||
| Average total assets | $71,851,600 | 5,818 |
| Average earning assets | $65,916,600 | 5,802 |
| Average equity | $8,410,400 | 5,581 |
| Average total loans | $32,335,200 | 6,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 5,883 |
| Cost of funding earning assets | 1.1325% | 5,240 |
| Net interest margin | 3.6103% | 4,826 |
| Noninterest income to average assets | 0.5212% | 4,021 |
| Noninterest expense to average assets | 3.3995% | 2,295 |
| Loan and lease loss provision to assets | 0.0166% | 6,879 |
| Net operating income to assets | 0.3278% | 5,054 |
| Return on assets (ROA) | 0.3278% | 5,223 |
| Pretax return on assets | 0.4162% | 5,173 |
| Return on Equity (ROE) | 2.8238% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.4442% | 5,619 |
| Net charge-offs to loans | 0.0288% | 6,275 |
| Credit loss provision to net charge-offs | 128.5714% | 3,158 |
| Earnings coverage of net charge-offs (x) | 33.5831% | 799 |
| Efficiency ratio | 88.7074% | 1,392 |
| Assets per employee ($millions) | 3.0805% | 5,966 |
| Cash dividends to net income (ytd only)* | 84.2708% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,920 |
| Loan loss allowance to noncurrent loans | 1,835.4839% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,240 |
| Noncurrent loans to loans | 0.0961% | 6,994 |
| Net loans and leases to total assets | 44.7178% | 6,795 |
| Net loans and leases to deposits | 51.1445% | 6,938 |
| Net loans and leases to core deposits | 51.5598% | 7,063 |
| Total domestic deposits to total assets | 87.4342% | 2,300 |
| Equity capital to assets | 11.8869% | 2,232 |
| Core capital (leverage) ratio | 11.4061% | 2,007 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,429 |
| Total risk-based capital ratio | 21.8136% | 1,415 |
| Memoranda: | ||
| Average total assets | $72,400,750 | 5,867 |
| Average earning assets | $66,401,750 | 5,851 |
| Average equity | $8,404,750 | 5,655 |
| Average total loans | $32,433,750 | 6,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 5,847 |
| Cost of funding earning assets | 1.1682% | 5,297 |
| Net interest margin | 3.6155% | 4,752 |
| Noninterest income to average assets | 0.4965% | 4,148 |
| Noninterest expense to average assets | 3.3874% | 2,296 |
| Loan and lease loss provision to assets | 0.0247% | 6,692 |
| Net operating income to assets | 0.3127% | 5,127 |
| Return on assets (ROA) | 0.3127% | 5,287 |
| Pretax return on assets | 0.3950% | 5,246 |
| Return on Equity (ROE) | 2.7146% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.3334% | 5,625 |
| Net charge-offs to loans | -0.1662% | 7,623 |
| Credit loss provision to net charge-offs | -33.3333% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9769% | 1,418 |
| Assets per employee ($millions) | 2.8224% | 6,524 |
| Cash dividends to net income (ytd only)* | 87.7193% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,884.3750% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 7,045 |
| Noncurrent loans to loans | 0.0963% | 7,074 |
| Net loans and leases to total assets | 44.4796% | 6,886 |
| Net loans and leases to deposits | 51.2949% | 7,010 |
| Net loans and leases to core deposits | 51.4997% | 7,157 |
| Total domestic deposits to total assets | 86.7134% | 2,695 |
| Equity capital to assets | 11.4592% | 2,477 |
| Core capital (leverage) ratio | 11.1727% | 2,120 |
| Tier 1 risk-based capital ratio | 20.8060% | 1,373 |
| Total risk-based capital ratio | 22.0580% | 1,345 |
| Memoranda: | ||
| Average total assets | $72,917,330 | 5,896 |
| Average earning assets | $66,769,000 | 5,873 |
| Average equity | $8,399,000 | 5,662 |
| Average total loans | $32,494,330 | 6,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 5,771 |
| Cost of funding earning assets | 1.2085% | 5,353 |
| Net interest margin | 3.6195% | 4,629 |
| Noninterest income to average assets | 0.5558% | 3,602 |
| Noninterest expense to average assets | 3.3900% | 2,262 |
| Loan and lease loss provision to assets | 0.0495% | 6,169 |
| Net operating income to assets | 0.3467% | 5,093 |
| Return on assets (ROA) | 0.3467% | 5,215 |
| Pretax return on assets | 0.4292% | 5,197 |
| Return on Equity (ROE) | 3.0021% | 5,336 |
| Retained earnings to average equity (ytd only) | 0.6195% | 5,574 |
| Net charge-offs to loans | -0.0872% | 7,495 |
| Credit loss provision to net charge-offs | -128.5714% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6245% | 1,630 |
| Assets per employee ($millions) | 2.7227% | 6,818 |
| Cash dividends to net income (ytd only)* | 79.3651% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,627 |
| Loan loss allowance to noncurrent loans | 534.8624% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 7,110 |
| Noncurrent loans to loans | 0.3429% | 6,616 |
| Net loans and leases to total assets | 42.4461% | 7,100 |
| Net loans and leases to deposits | 48.2235% | 7,223 |
| Net loans and leases to core deposits | 49.9544% | 7,287 |
| Total domestic deposits to total assets | 88.0196% | 2,045 |
| Equity capital to assets | 11.4199% | 2,426 |
| Core capital (leverage) ratio | 11.2622% | 2,050 |
| Tier 1 risk-based capital ratio | 21.6621% | 1,245 |
| Total risk-based capital ratio | 22.9157% | 1,230 |
| Memoranda: | ||
| Average total assets | $72,685,000 | 5,978 |
| Average earning assets | $66,528,000 | 5,951 |
| Average equity | $8,394,000 | 5,716 |
| Average total loans | $32,120,000 | 6,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 5,311 |
| Cost of funding earning assets | 1.4966% | 5,525 |
| Net interest margin | 3.7764% | 3,816 |
| Noninterest income to average assets | 0.5210% | 4,254 |
| Noninterest expense to average assets | 3.3470% | 2,847 |
| Loan and lease loss provision to assets | 0.0550% | 7,016 |
| Net operating income to assets | 0.4179% | 4,059 |
| Return on assets (ROA) | 0.4179% | 4,161 |
| Pretax return on assets | 0.5319% | 4,103 |
| Return on Equity (ROE) | 3.6031% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.2133% | 4,787 |
| Net charge-offs to loans | 0.2441% | 5,093 |
| Credit loss provision to net charge-offs | 51.2821% | 6,729 |
| Earnings coverage of net charge-offs (x) | 5.4744% | 2,588 |
| Efficiency ratio | 85.0804% | 2,215 |
| Assets per employee ($millions) | 2.8743% | 6,504 |
| Cash dividends to net income (ytd only)* | 94.0789% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 2,724 |
| Loan loss allowance to noncurrent loans | 545.1923% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 7,114 |
| Noncurrent loans to loans | 0.3205% | 6,637 |
| Net loans and leases to total assets | 44.3750% | 7,096 |
| Net loans and leases to deposits | 50.5509% | 7,228 |
| Net loans and leases to core deposits | 59.4419% | 7,286 |
| Total domestic deposits to total assets | 87.7828% | 2,079 |
| Equity capital to assets | 11.6800% | 2,201 |
| Core capital (leverage) ratio | 11.3084% | 2,033 |
| Tier 1 risk-based capital ratio | 21.3573% | 1,244 |
| Total risk-based capital ratio | 22.6213% | 1,212 |
| Memoranda: | ||
| Average total assets | $72,751,200 | 5,921 |
| Average earning assets | $65,750,800 | 5,937 |
| Average equity | $8,437,200 | 5,784 |
| Average total loans | $31,956,600 | 6,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3125% | 5,361 |
| Cost of funding earning assets | 1.5459% | 5,652 |
| Net interest margin | 3.7666% | 3,791 |
| Noninterest income to average assets | 0.5390% | 4,167 |
| Noninterest expense to average assets | 3.3034% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4659% | 4,139 |
| Return on assets (ROA) | 0.4659% | 4,236 |
| Pretax return on assets | 0.6322% | 4,079 |
| Return on Equity (ROE) | 4.0244% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,385 |
| Net charge-offs to loans | 0.3309% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.3798% | 3,156 |
| Efficiency ratio | 83.9369% | 2,304 |
| Assets per employee ($millions) | 2.8512% | 6,528 |
| Cash dividends to net income (ytd only)* | 58.8253% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,108 |
| Loan loss allowance to noncurrent loans | 1,547.0588% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 7,453 |
| Noncurrent loans to loans | 0.1016% | 7,223 |
| Net loans and leases to total assets | 44.4200% | 7,215 |
| Net loans and leases to deposits | 50.5527% | 7,384 |
| Net loans and leases to core deposits | 59.4826% | 7,419 |
| Total domestic deposits to total assets | 87.8688% | 1,719 |
| Equity capital to assets | 11.4217% | 2,656 |
| Core capital (leverage) ratio | 11.2452% | 2,225 |
| Tier 1 risk-based capital ratio | 20.7320% | 1,414 |
| Total risk-based capital ratio | 21.9736% | 1,375 |
| Memoranda: | ||
| Average total assets | $72,974,500 | 5,953 |
| Average earning assets | $65,805,000 | 5,970 |
| Average equity | $8,448,250 | 5,836 |
| Average total loans | $31,832,250 | 6,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 5,671 |
| Cost of funding earning assets | 1.5639% | 5,864 |
| Net interest margin | 3.7339% | 3,811 |
| Noninterest income to average assets | 0.5318% | 4,167 |
| Noninterest expense to average assets | 3.2705% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4794% | 4,178 |
| Return on assets (ROA) | 0.4794% | 4,290 |
| Pretax return on assets | 0.6557% | 4,142 |
| Return on Equity (ROE) | 4.1222% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.7531% | 4,367 |
| Net charge-offs to loans | 0.1278% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.9000% | 1,863 |
| Efficiency ratio | 83.2982% | 2,568 |
| Assets per employee ($millions) | 2.7403% | 6,755 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,094 |
| Loan loss allowance to noncurrent loans | 504.3103% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 7,145 |
| Noncurrent loans to loans | 0.3538% | 6,626 |
| Net loans and leases to total assets | 43.5198% | 7,359 |
| Net loans and leases to deposits | 49.4844% | 7,505 |
| Net loans and leases to core deposits | 57.6630% | 7,530 |
| Total domestic deposits to total assets | 87.9465% | 1,801 |
| Equity capital to assets | 11.3642% | 2,623 |
| Core capital (leverage) ratio | 11.2833% | 2,211 |
| Tier 1 risk-based capital ratio | 21.2968% | 1,349 |
| Total risk-based capital ratio | 22.5254% | 1,316 |
| Memoranda: | ||
| Average total assets | $72,589,000 | 6,016 |
| Average earning assets | $65,990,000 | 6,008 |
| Average equity | $8,442,000 | 5,870 |
| Average total loans | $31,291,330 | 6,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 5,684 |
| Cost of funding earning assets | 1.6205% | 5,944 |
| Net interest margin | 3.7241% | 3,784 |
| Noninterest income to average assets | 0.6120% | 3,460 |
| Noninterest expense to average assets | 3.1715% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6009% | 4,005 |
| Return on assets (ROA) | 0.6009% | 4,200 |
| Pretax return on assets | 0.8290% | 3,978 |
| Return on Equity (ROE) | 5.1070% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.7426% | 4,356 |
| Net charge-offs to loans | 0.3274% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.9600% | 2,576 |
| Efficiency ratio | 79.2768% | 2,948 |
| Assets per employee ($millions) | 2.8023% | 6,634 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 1,690 |
| Loan loss allowance to noncurrent loans | 557.6923% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 7,117 |
| Noncurrent loans to loans | 0.3350% | 6,591 |
| Net loans and leases to total assets | 41.8123% | 7,475 |
| Net loans and leases to deposits | 47.6469% | 7,592 |
| Net loans and leases to core deposits | 55.8942% | 7,623 |
| Total domestic deposits to total assets | 87.7544% | 1,864 |
| Equity capital to assets | 11.6238% | 2,501 |
| Core capital (leverage) ratio | 11.5000% | 2,147 |
| Tier 1 risk-based capital ratio | 21.6663% | 1,345 |
| Total risk-based capital ratio | 22.9210% | 1,310 |
| Memoranda: | ||
| Average total assets | $71,890,000 | 6,070 |
| Average earning assets | $65,411,500 | 6,058 |
| Average equity | $8,459,000 | 5,896 |
| Average total loans | $30,545,000 | 6,732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8859% | 6,106 |
| Cost of funding earning assets | 2.3271% | 5,025 |
| Net interest margin | 3.5588% | 5,056 |
| Noninterest income to average assets | 0.7182% | 3,003 |
| Noninterest expense to average assets | 3.2526% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5096% | 4,686 |
| Return on assets (ROA) | 0.5096% | 4,536 |
| Pretax return on assets | 0.7115% | 4,360 |
| Return on Equity (ROE) | 4.6537% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.2108% | 3,835 |
| Net charge-offs to loans | -0.2685% | 8,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0513% | 2,296 |
| Assets per employee ($millions) | 2.6267% | 6,945 |
| Cash dividends to net income (ytd only)* | 52.4934% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 1,195 |
| Loan loss allowance to noncurrent loans | 491.8699% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 6,833 |
| Noncurrent loans to loans | 0.4094% | 6,113 |
| Net loans and leases to total assets | 41.5124% | 7,610 |
| Net loans and leases to deposits | 47.5530% | 7,731 |
| Net loans and leases to core deposits | 56.4393% | 7,726 |
| Total domestic deposits to total assets | 87.2971% | 1,798 |
| Equity capital to assets | 11.9133% | 2,347 |
| Core capital (leverage) ratio | 11.2669% | 2,390 |
| Tier 1 risk-based capital ratio | 22.3913% | 1,264 |
| Total risk-based capital ratio | 23.6396% | 1,236 |
| Memoranda: | ||
| Average total assets | $74,770,200 | 5,882 |
| Average earning assets | $68,196,400 | 5,887 |
| Average equity | $8,187,000 | 6,006 |
| Average total loans | $33,150,000 | 6,534 |