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 | 3.5562% | 4,666 |
| Cost of funding earning assets | 0.3777% | 3,251 |
| Net interest margin | 3.1786% | 4,550 |
| Noninterest income to average assets | 0.6651% | 2,341 |
| Noninterest expense to average assets | 3.5068% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0769% | 5,652 |
| Return on assets (ROA) | 0.0769% | 5,695 |
| Pretax return on assets | 0.1663% | 5,597 |
| Return on Equity (ROE) | 0.7362% | 5,676 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | 0.0974% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.5266% | 3,405 |
| Efficiency ratio | 95.4730% | 334 |
| Assets per employee ($millions) | 4.1473% | 3,692 |
| Cash dividends to net income (ytd only)* | 100.0000% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 843 |
| Loan loss allowance to noncurrent loans | 142.9395% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 2,813 |
| Noncurrent loans to loans | 1.3326% | 1,660 |
| Net loans and leases to total assets | 47.3783% | 5,003 |
| Net loans and leases to deposits | 53.2100% | 5,153 |
| Net loans and leases to core deposits | 54.4695% | 5,209 |
| Total domestic deposits to total assets | 89.0402% | 884 |
| Equity capital to assets | 10.3496% | 3,746 |
| Core capital (leverage) ratio | 10.5700% | 2,909 |
| Tier 1 risk-based capital ratio | 25.6942% | 743 |
| Total risk-based capital ratio | 26.9558% | 725 |
| Memoranda: | ||
| Average total assets | $53,723,500 | 5,320 |
| Average earning assets | $50,838,750 | 5,280 |
| Average equity | $5,613,750 | 5,404 |
| Average total loans | $26,013,000 | 5,370 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 4,680 |
| Cost of funding earning assets | 0.3804% | 3,247 |
| Net interest margin | 3.1894% | 4,577 |
| Noninterest income to average assets | 0.6672% | 2,295 |
| Noninterest expense to average assets | 3.0563% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4249% | 4,958 |
| Return on assets (ROA) | 0.4249% | 5,046 |
| Pretax return on assets | 0.6113% | 4,854 |
| Return on Equity (ROE) | 4.0533% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.9511% | 4,037 |
| Net charge-offs to loans | 0.1461% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.6316% | 2,503 |
| Efficiency ratio | 83.3333% | 1,107 |
| Assets per employee ($millions) | 3.5813% | 4,626 |
| Cash dividends to net income (ytd only)* | 27.1930% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 866 |
| Loan loss allowance to noncurrent loans | 137.0166% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 2,765 |
| Noncurrent loans to loans | 1.3997% | 1,597 |
| Net loans and leases to total assets | 47.2208% | 5,053 |
| Net loans and leases to deposits | 53.0080% | 5,199 |
| Net loans and leases to core deposits | 54.2644% | 5,262 |
| Total domestic deposits to total assets | 89.0823% | 882 |
| Equity capital to assets | 10.5417% | 3,585 |
| Core capital (leverage) ratio | 10.6680% | 2,770 |
| Tier 1 risk-based capital ratio | 25.4597% | 774 |
| Total risk-based capital ratio | 26.7185% | 749 |
| Memoranda: | ||
| Average total assets | $53,659,670 | 5,385 |
| Average earning assets | $50,479,330 | 5,343 |
| Average equity | $5,625,000 | 5,455 |
| Average total loans | $26,004,000 | 5,434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,557 |
| Cost of funding earning assets | 0.3814% | 3,281 |
| Net interest margin | 3.2417% | 4,426 |
| Noninterest income to average assets | 0.6564% | 2,231 |
| Noninterest expense to average assets | 3.1401% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3878% | 5,033 |
| Return on assets (ROA) | 0.3878% | 5,108 |
| Pretax return on assets | 0.5594% | 4,927 |
| Return on Equity (ROE) | 3.7103% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.7103% | 3,634 |
| Net charge-offs to loans | 0.3222% | 683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,525 |
| Efficiency ratio | 84.8790% | 1,078 |
| Assets per employee ($millions) | 3.4977% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 952 |
| Loan loss allowance to noncurrent loans | 133.8753% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 2,773 |
| Noncurrent loans to loans | 1.4283% | 1,664 |
| Net loans and leases to total assets | 48.2999% | 4,948 |
| Net loans and leases to deposits | 54.2890% | 5,085 |
| Net loans and leases to core deposits | 55.6065% | 5,155 |
| Total domestic deposits to total assets | 88.9681% | 1,120 |
| Equity capital to assets | 10.7346% | 3,216 |
| Core capital (leverage) ratio | 10.5053% | 2,954 |
| Tier 1 risk-based capital ratio | 25.3557% | 784 |
| Total risk-based capital ratio | 26.6162% | 769 |
| Memoranda: | ||
| Average total assets | $53,629,500 | 5,434 |
| Average earning assets | $50,343,500 | 5,396 |
| Average equity | $5,606,000 | 5,497 |
| Average total loans | $26,074,500 | 5,483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,490 |
| Cost of funding earning assets | 0.4073% | 3,077 |
| Net interest margin | 3.2526% | 4,467 |
| Noninterest income to average assets | 0.7313% | 2,056 |
| Noninterest expense to average assets | 3.2223% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4195% | 4,987 |
| Return on assets (ROA) | 0.4195% | 5,070 |
| Pretax return on assets | 0.5179% | 5,069 |
| Return on Equity (ROE) | 4.0487% | 4,926 |
| Retained earnings to average equity (ytd only) | 1.0032% | 5,115 |
| Net charge-offs to loans | 0.0076% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 446 |
| Efficiency ratio | 86.1538% | 981 |
| Assets per employee ($millions) | 3.9138% | 4,095 |
| Cash dividends to net income (ytd only)* | 75.2212% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 867 |
| Loan loss allowance to noncurrent loans | 94.3223% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 2,185 |
| Noncurrent loans to loans | 2.0749% | 993 |
| Net loans and leases to total assets | 47.0845% | 5,086 |
| Net loans and leases to deposits | 52.5802% | 5,257 |
| Net loans and leases to core deposits | 54.4777% | 5,281 |
| Total domestic deposits to total assets | 89.5479% | 826 |
| Equity capital to assets | 10.1838% | 3,769 |
| Core capital (leverage) ratio | 10.4410% | 2,996 |
| Tier 1 risk-based capital ratio | 24.1600% | 909 |
| Total risk-based capital ratio | 25.4200% | 888 |
| Memoranda: | ||
| Average total assets | $53,874,800 | 5,460 |
| Average earning assets | $49,837,800 | 5,440 |
| Average equity | $5,582,000 | 5,526 |
| Average total loans | $26,145,600 | 5,514 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,658 |
| Cost of funding earning assets | 0.4098% | 3,125 |
| Net interest margin | 3.2137% | 4,630 |
| Noninterest income to average assets | 0.7332% | 2,092 |
| Noninterest expense to average assets | 3.2807% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3057% | 5,434 |
| Return on assets (ROA) | 0.3057% | 5,521 |
| Pretax return on assets | 0.4151% | 5,439 |
| Return on Equity (ROE) | 2.9378% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.9378% | 4,361 |
| Net charge-offs to loans | 0.0153% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 55.6650% | 969 |
| Efficiency ratio | 88.7693% | 777 |
| Assets per employee ($millions) | 3.6450% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 927 |
| Loan loss allowance to noncurrent loans | 92.9476% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0206% | 2,317 |
| Noncurrent loans to loans | 2.1384% | 1,047 |
| Net loans and leases to total assets | 46.3576% | 5,206 |
| Net loans and leases to deposits | 52.0366% | 5,372 |
| Net loans and leases to core deposits | 54.2160% | 5,390 |
| Total domestic deposits to total assets | 89.0864% | 987 |
| Equity capital to assets | 10.3283% | 3,780 |
| Core capital (leverage) ratio | 10.5129% | 3,033 |
| Tier 1 risk-based capital ratio | 24.2049% | 928 |
| Total risk-based capital ratio | 25.4651% | 912 |
| Memoranda: | ||
| Average total assets | $53,645,250 | 5,537 |
| Average earning assets | $49,454,000 | 5,517 |
| Average equity | $5,582,500 | 5,595 |
| Average total loans | $26,103,500 | 5,580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,484 |
| Cost of funding earning assets | 0.4166% | 3,073 |
| Net interest margin | 3.2593% | 4,456 |
| Noninterest income to average assets | 0.7242% | 2,115 |
| Noninterest expense to average assets | 3.3320% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2889% | 5,473 |
| Return on assets (ROA) | 0.2889% | 5,561 |
| Pretax return on assets | 0.3865% | 5,495 |
| Return on Equity (ROE) | 2.7693% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.7693% | 4,288 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6065% | 784 |
| Assets per employee ($millions) | 3.3116% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 1,000 |
| Loan loss allowance to noncurrent loans | 91.0211% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 2,353 |
| Noncurrent loans to loans | 2.1880% | 1,097 |
| Net loans and leases to total assets | 48.0193% | 5,104 |
| Net loans and leases to deposits | 53.9733% | 5,257 |
| Net loans and leases to core deposits | 56.3073% | 5,293 |
| Total domestic deposits to total assets | 88.9686% | 1,159 |
| Equity capital to assets | 10.5709% | 3,371 |
| Core capital (leverage) ratio | 10.5326% | 2,913 |
| Tier 1 risk-based capital ratio | 24.3978% | 918 |
| Total risk-based capital ratio | 25.6610% | 901 |
| Memoranda: | ||
| Average total assets | $53,302,000 | 5,607 |
| Average earning assets | $48,967,000 | 5,587 |
| Average equity | $5,561,000 | 5,650 |
| Average total loans | $26,184,670 | 5,628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,344 |
| Cost of funding earning assets | 0.4272% | 2,994 |
| Net interest margin | 3.2781% | 4,304 |
| Noninterest income to average assets | 0.7108% | 2,126 |
| Noninterest expense to average assets | 3.3745% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2544% | 5,553 |
| Return on assets (ROA) | 0.2544% | 5,645 |
| Pretax return on assets | 0.3217% | 5,602 |
| Return on Equity (ROE) | 2.4544% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.4544% | 4,460 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2955% | 758 |
| Assets per employee ($millions) | 3.2412% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 1,225 |
| Loan loss allowance to noncurrent loans | 81.6746% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 2,317 |
| Noncurrent loans to loans | 2.3648% | 1,040 |
| Net loans and leases to total assets | 47.6416% | 5,071 |
| Net loans and leases to deposits | 53.1601% | 5,260 |
| Net loans and leases to core deposits | 55.5365% | 5,278 |
| Total domestic deposits to total assets | 89.6191% | 940 |
| Equity capital to assets | 10.0869% | 4,036 |
| Core capital (leverage) ratio | 10.5861% | 2,863 |
| Tier 1 risk-based capital ratio | 23.2096% | 1,082 |
| Total risk-based capital ratio | 24.4707% | 1,057 |
| Memoranda: | ||
| Average total assets | $53,460,500 | 5,655 |
| Average earning assets | $48,686,500 | 5,643 |
| Average equity | $5,541,000 | 5,706 |
| Average total loans | $26,297,000 | 5,664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,746 |
| Cost of funding earning assets | 0.4734% | 2,949 |
| Net interest margin | 3.5223% | 3,708 |
| Noninterest income to average assets | 0.8298% | 1,753 |
| Noninterest expense to average assets | 3.7052% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3490% | 5,379 |
| Return on assets (ROA) | 0.3490% | 5,447 |
| Pretax return on assets | 0.3994% | 5,490 |
| Return on Equity (ROE) | 3.3153% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.3153% | 3,868 |
| Net charge-offs to loans | -0.1314% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2692% | 825 |
| Assets per employee ($millions) | 3.0482% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 1,112 |
| Loan loss allowance to noncurrent loans | 92.1569% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 2,552 |
| Noncurrent loans to loans | 2.1722% | 1,236 |
| Net loans and leases to total assets | 48.8402% | 5,087 |
| Net loans and leases to deposits | 54.7932% | 5,267 |
| Net loans and leases to core deposits | 57.0910% | 5,304 |
| Total domestic deposits to total assets | 89.1355% | 1,158 |
| Equity capital to assets | 10.6600% | 3,289 |
| Core capital (leverage) ratio | 10.2690% | 3,216 |
| Tier 1 risk-based capital ratio | 24.1507% | 936 |
| Total risk-based capital ratio | 25.4142% | 911 |
| Memoranda: | ||
| Average total assets | $51,576,800 | 5,753 |
| Average earning assets | $47,951,800 | 5,723 |
| Average equity | $5,429,400 | 5,756 |
| Average total loans | $26,628,600 | 5,719 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,567 |
| Cost of funding earning assets | 0.4782% | 2,974 |
| Net interest margin | 3.5699% | 3,553 |
| Noninterest income to average assets | 0.8386% | 1,747 |
| Noninterest expense to average assets | 3.7398% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3028% | 5,568 |
| Return on assets (ROA) | 0.3028% | 5,646 |
| Pretax return on assets | 0.4219% | 5,537 |
| Return on Equity (ROE) | 2.8858% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.8858% | 4,546 |
| Net charge-offs to loans | -0.1292% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8632% | 852 |
| Assets per employee ($millions) | 3.0692% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 1,348 |
| Loan loss allowance to noncurrent loans | 89.5944% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 2,713 |
| Noncurrent loans to loans | 2.1785% | 1,404 |
| Net loans and leases to total assets | 46.1924% | 5,359 |
| Net loans and leases to deposits | 51.5327% | 5,560 |
| Net loans and leases to core deposits | 53.2400% | 5,612 |
| Total domestic deposits to total assets | 89.6371% | 918 |
| Equity capital to assets | 9.8851% | 4,316 |
| Core capital (leverage) ratio | 10.3270% | 3,252 |
| Tier 1 risk-based capital ratio | 22.9502% | 1,123 |
| Total risk-based capital ratio | 24.2110% | 1,099 |
| Memoranda: | ||
| Average total assets | $51,516,000 | 5,818 |
| Average earning assets | $47,955,750 | 5,789 |
| Average equity | $5,405,750 | 5,821 |
| Average total loans | $26,829,250 | 5,761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,921 |
| Cost of funding earning assets | 0.4955% | 2,877 |
| Net interest margin | 3.7123% | 2,909 |
| Noninterest income to average assets | 0.8673% | 1,599 |
| Noninterest expense to average assets | 3.8470% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3421% | 5,427 |
| Return on assets (ROA) | 0.3421% | 5,501 |
| Pretax return on assets | 0.4774% | 5,342 |
| Return on Equity (ROE) | 3.1927% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.1927% | 4,171 |
| Net charge-offs to loans | -0.1993% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9604% | 994 |
| Assets per employee ($millions) | 2.7017% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 1,428 |
| Loan loss allowance to noncurrent loans | 85.9797% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 2,598 |
| Noncurrent loans to loans | 2.2854% | 1,425 |
| Net loans and leases to total assets | 49.4701% | 5,018 |
| Net loans and leases to deposits | 55.5899% | 5,227 |
| Net loans and leases to core deposits | 58.5763% | 5,232 |
| Total domestic deposits to total assets | 88.9913% | 1,360 |
| Equity capital to assets | 10.5782% | 3,342 |
| Core capital (leverage) ratio | 10.5966% | 2,828 |
| Tier 1 risk-based capital ratio | 23.9407% | 996 |
| Total risk-based capital ratio | 25.2017% | 973 |
| Memoranda: | ||
| Average total assets | $50,273,000 | 5,897 |
| Average earning assets | $46,817,000 | 5,867 |
| Average equity | $5,387,330 | 5,867 |
| Average total loans | $27,096,670 | 5,787 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 2,238 |
| Cost of funding earning assets | 0.5105% | 2,801 |
| Net interest margin | 3.8674% | 2,203 |
| Noninterest income to average assets | 0.8685% | 1,487 |
| Noninterest expense to average assets | 3.9161% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3699% | 5,233 |
| Return on assets (ROA) | 0.3699% | 5,298 |
| Pretax return on assets | 0.5468% | 5,023 |
| Return on Equity (ROE) | 3.4290% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.4290% | 4,076 |
| Net charge-offs to loans | -0.4478% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7477% | 1,254 |
| Assets per employee ($millions) | 2.7707% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 1,787 |
| Loan loss allowance to noncurrent loans | 107.0981% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 3,330 |
| Noncurrent loans to loans | 1.7643% | 2,183 |
| Net loans and leases to total assets | 53.4097% | 4,498 |
| Net loans and leases to deposits | 60.1355% | 4,746 |
| Net loans and leases to core deposits | 63.8685% | 4,699 |
| Total domestic deposits to total assets | 88.8156% | 1,770 |
| Equity capital to assets | 10.8054% | 2,934 |
| Core capital (leverage) ratio | 10.7808% | 2,619 |
| Tier 1 risk-based capital ratio | 23.3512% | 1,094 |
| Total risk-based capital ratio | 24.6122% | 1,075 |
| Memoranda: | ||
| Average total assets | $49,743,500 | 5,970 |
| Average earning assets | $46,233,000 | 5,934 |
| Average equity | $5,366,000 | 5,910 |
| Average total loans | $27,693,500 | 5,818 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 2,444 |
| Cost of funding earning assets | 0.5181% | 3,415 |
| Net interest margin | 3.9182% | 2,225 |
| Noninterest income to average assets | 0.9257% | 1,593 |
| Noninterest expense to average assets | 3.9409% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4980% | 4,742 |
| Return on assets (ROA) | 0.4980% | 4,879 |
| Pretax return on assets | 0.6327% | 4,759 |
| Return on Equity (ROE) | 4.8976% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.8976% | 2,671 |
| Net charge-offs to loans | 0.0588% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 19.0588% | 1,627 |
| Efficiency ratio | 86.1657% | 1,402 |
| Assets per employee ($millions) | 2.6113% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 2,379 |
| Loan loss allowance to noncurrent loans | 64.5248% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 2,466 |
| Noncurrent loans to loans | 2.6455% | 1,400 |
| Net loans and leases to total assets | 55.9419% | 4,326 |
| Net loans and leases to deposits | 62.8595% | 4,632 |
| Net loans and leases to core deposits | 66.4265% | 4,662 |
| Total domestic deposits to total assets | 88.9950% | 1,630 |
| Equity capital to assets | 10.7691% | 2,853 |
| Core capital (leverage) ratio | 10.4378% | 2,976 |
| Tier 1 risk-based capital ratio | 22.1462% | 1,233 |
| Total risk-based capital ratio | 23.4063% | 1,209 |
| Memoranda: | ||
| Average total assets | $51,206,400 | 5,987 |
| Average earning assets | $47,675,000 | 5,944 |
| Average equity | $5,206,600 | 6,019 |
| Average total loans | $28,892,400 | 5,812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,629 |
| Cost of funding earning assets | 0.5133% | 3,637 |
| Net interest margin | 3.8759% | 2,358 |
| Noninterest income to average assets | 0.9482% | 1,609 |
| Noninterest expense to average assets | 3.9892% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4108% | 5,206 |
| Return on assets (ROA) | 0.4108% | 5,343 |
| Pretax return on assets | 0.5684% | 5,140 |
| Return on Equity (ROE) | 4.0984% | 5,174 |
| Retained earnings to average equity (ytd only) | 4.0984% | 3,775 |
| Net charge-offs to loans | 0.0734% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.7520% | 2,001 |
| Efficiency ratio | 87.5283% | 1,209 |
| Assets per employee ($millions) | 2.7570% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 2,753 |
| Loan loss allowance to noncurrent loans | 50.3650% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8307% | 2,228 |
| Noncurrent loans to loans | 3.3039% | 1,175 |
| Net loans and leases to total assets | 54.4891% | 4,531 |
| Net loans and leases to deposits | 60.8865% | 4,880 |
| Net loans and leases to core deposits | 64.1214% | 4,889 |
| Total domestic deposits to total assets | 89.4928% | 1,302 |
| Equity capital to assets | 10.0185% | 3,876 |
| Core capital (leverage) ratio | 10.4315% | 3,087 |
| Tier 1 risk-based capital ratio | 21.4108% | 1,414 |
| Total risk-based capital ratio | 22.6715% | 1,389 |
| Memoranda: | ||
| Average total assets | $51,604,500 | 6,044 |
| Average earning assets | $48,056,500 | 6,003 |
| Average equity | $5,172,500 | 6,099 |
| Average total loans | $29,056,250 | 5,863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 2,431 |
| Cost of funding earning assets | 0.5186% | 3,717 |
| Net interest margin | 3.9187% | 2,153 |
| Noninterest income to average assets | 1.0011% | 1,535 |
| Noninterest expense to average assets | 4.0004% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4752% | 4,901 |
| Return on assets (ROA) | 0.4752% | 5,085 |
| Pretax return on assets | 0.6505% | 4,838 |
| Return on Equity (ROE) | 4.7403% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.7403% | 3,234 |
| Net charge-offs to loans | -0.1514% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0134% | 1,411 |
| Assets per employee ($millions) | 2.6683% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,504 |
| Loan loss allowance to noncurrent loans | 53.1633% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 2,245 |
| Noncurrent loans to loans | 3.3454% | 1,296 |
| Net loans and leases to total assets | 56.7537% | 4,169 |
| Net loans and leases to deposits | 63.5208% | 4,561 |
| Net loans and leases to core deposits | 67.6614% | 4,537 |
| Total domestic deposits to total assets | 89.3467% | 1,414 |
| Equity capital to assets | 10.2765% | 3,569 |
| Core capital (leverage) ratio | 10.2971% | 3,101 |
| Tier 1 risk-based capital ratio | 20.8059% | 1,543 |
| Total risk-based capital ratio | 22.0678% | 1,508 |
| Memoranda: | ||
| Average total assets | $51,345,000 | 6,093 |
| Average earning assets | $47,822,000 | 6,047 |
| Average equity | $5,147,330 | 6,142 |
| Average total loans | $29,066,330 | 5,889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,752 |
| Cost of funding earning assets | 0.5168% | 3,906 |
| Net interest margin | 3.8173% | 2,385 |
| Noninterest income to average assets | 1.0451% | 1,355 |
| Noninterest expense to average assets | 4.0024% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4335% | 4,987 |
| Return on assets (ROA) | 0.4335% | 5,145 |
| Pretax return on assets | 0.5884% | 4,986 |
| Return on Equity (ROE) | 4.3784% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.3784% | 3,609 |
| Net charge-offs to loans | -0.2072% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1838% | 1,400 |
| Assets per employee ($millions) | 2.7265% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,703 |
| Loan loss allowance to noncurrent loans | 52.2358% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 2,476 |
| Noncurrent loans to loans | 3.4043% | 1,415 |
| Net loans and leases to total assets | 54.8046% | 4,273 |
| Net loans and leases to deposits | 61.0743% | 4,675 |
| Net loans and leases to core deposits | 64.9368% | 4,659 |
| Total domestic deposits to total assets | 89.7344% | 1,200 |
| Equity capital to assets | 9.9297% | 4,241 |
| Core capital (leverage) ratio | 9.9384% | 3,477 |
| Tier 1 risk-based capital ratio | 20.3039% | 1,698 |
| Total risk-based capital ratio | 21.5631% | 1,670 |
| Memoranda: | ||
| Average total assets | $51,668,500 | 6,139 |
| Average earning assets | $47,991,500 | 6,100 |
| Average equity | $5,116,000 | 6,212 |
| Average total loans | $28,952,500 | 5,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 2,366 |
| Cost of funding earning assets | 0.5984% | 4,368 |
| Net interest margin | 4.1603% | 1,776 |
| Noninterest income to average assets | 0.8407% | 2,079 |
| Noninterest expense to average assets | 3.9818% | 996 |
| Loan and lease loss provision to assets | 0.0473% | 5,238 |
| Net operating income to assets | 0.4999% | 4,696 |
| Return on assets (ROA) | 0.4999% | 4,942 |
| Pretax return on assets | 0.6816% | 4,726 |
| Return on Equity (ROE) | 5.3411% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.3411% | 2,474 |
| Net charge-offs to loans | -0.0097% | 6,458 |
| Credit loss provision to net charge-offs | -833.3333% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5257% | 1,569 |
| Assets per employee ($millions) | 2.8629% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 2,856 |
| Loan loss allowance to noncurrent loans | 57.8886% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7096% | 2,835 |
| Noncurrent loans to loans | 2.9724% | 1,759 |
| Net loans and leases to total assets | 55.3063% | 4,406 |
| Net loans and leases to deposits | 61.5692% | 4,833 |
| Net loans and leases to core deposits | 65.2167% | 4,816 |
| Total domestic deposits to total assets | 89.8279% | 1,051 |
| Equity capital to assets | 9.8733% | 4,346 |
| Core capital (leverage) ratio | 9.7235% | 3,769 |
| Tier 1 risk-based capital ratio | 20.1489% | 1,637 |
| Total risk-based capital ratio | 21.4082% | 1,613 |
| Memoranda: | ||
| Average total assets | $52,815,600 | 6,123 |
| Average earning assets | $49,131,200 | 6,082 |
| Average equity | $4,942,800 | 6,305 |
| Average total loans | $30,779,200 | 5,911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 2,191 |
| Cost of funding earning assets | 0.6176% | 4,477 |
| Net interest margin | 4.2338% | 1,633 |
| Noninterest income to average assets | 0.7829% | 2,317 |
| Noninterest expense to average assets | 3.9796% | 957 |
| Loan and lease loss provision to assets | 0.0627% | 4,925 |
| Net operating income to assets | 0.4667% | 4,968 |
| Return on assets (ROA) | 0.4667% | 5,223 |
| Pretax return on assets | 0.6800% | 4,920 |
| Return on Equity (ROE) | 5.0543% | 4,799 |
| Retained earnings to average equity (ytd only) | 5.0543% | 3,329 |
| Net charge-offs to loans | 0.0427% | 5,054 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 29.6069% | 1,108 |
| Efficiency ratio | 84.2721% | 1,558 |
| Assets per employee ($millions) | 3.3210% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,308 |
| Loan loss allowance to noncurrent loans | 50.7307% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 2,906 |
| Noncurrent loans to loans | 3.2649% | 1,687 |
| Net loans and leases to total assets | 54.3059% | 4,709 |
| Net loans and leases to deposits | 60.1844% | 5,187 |
| Net loans and leases to core deposits | 63.6660% | 5,191 |
| Total domestic deposits to total assets | 90.2326% | 708 |
| Equity capital to assets | 9.4286% | 5,291 |
| Core capital (leverage) ratio | 9.6052% | 4,107 |
| Tier 1 risk-based capital ratio | 19.6155% | 1,848 |
| Total risk-based capital ratio | 20.8723% | 1,823 |
| Memoranda: | ||
| Average total assets | $53,136,250 | 6,186 |
| Average earning assets | $49,442,000 | 6,138 |
| Average equity | $4,906,500 | 6,387 |
| Average total loans | $31,224,000 | 5,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 1,827 |
| Cost of funding earning assets | 0.6529% | 4,416 |
| Net interest margin | 4.3313% | 1,391 |
| Noninterest income to average assets | 0.5646% | 3,493 |
| Noninterest expense to average assets | 3.9973% | 942 |
| Loan and lease loss provision to assets | 0.0941% | 4,380 |
| Net operating income to assets | 0.2710% | 5,702 |
| Return on assets (ROA) | 0.2710% | 5,899 |
| Pretax return on assets | 0.4931% | 5,458 |
| Return on Equity (ROE) | 2.9557% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.9557% | 4,667 |
| Net charge-offs to loans | -0.2261% | 7,022 |
| Credit loss provision to net charge-offs | -69.4444% | 6,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1921% | 1,320 |
| Assets per employee ($millions) | 2.9546% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 3,176 |
| Loan loss allowance to noncurrent loans | 336.7089% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 4,895 |
| Noncurrent loans to loans | 0.5086% | 5,515 |
| Net loans and leases to total assets | 57.4150% | 4,258 |
| Net loans and leases to deposits | 63.4850% | 4,828 |
| Net loans and leases to core deposits | 67.5254% | 4,847 |
| Total domestic deposits to total assets | 90.4387% | 699 |
| Equity capital to assets | 9.2059% | 5,454 |
| Core capital (leverage) ratio | 9.2861% | 4,470 |
| Tier 1 risk-based capital ratio | 18.1710% | 2,241 |
| Total risk-based capital ratio | 19.4292% | 2,208 |
| Memoranda: | ||
| Average total assets | $53,136,330 | 6,221 |
| Average earning assets | $49,315,670 | 6,180 |
| Average equity | $4,872,000 | 6,424 |
| Average total loans | $31,851,330 | 5,970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 1,966 |
| Cost of funding earning assets | 0.6858% | 4,403 |
| Net interest margin | 4.2925% | 1,488 |
| Noninterest income to average assets | 0.8887% | 1,797 |
| Noninterest expense to average assets | 3.9764% | 960 |
| Loan and lease loss provision to assets | 0.1130% | 3,942 |
| Net operating income to assets | 0.5422% | 4,637 |
| Return on assets (ROA) | 0.5422% | 4,848 |
| Pretax return on assets | 0.8058% | 4,396 |
| Return on Equity (ROE) | 5.9259% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.9259% | 3,004 |
| Net charge-offs to loans | -0.0992% | 6,781 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2308% | 2,050 |
| Assets per employee ($millions) | 2.9737% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,970 |
| Loan loss allowance to noncurrent loans | 352.8571% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 4,733 |
| Noncurrent loans to loans | 0.4376% | 5,794 |
| Net loans and leases to total assets | 58.8488% | 3,893 |
| Net loans and leases to deposits | 65.0504% | 4,480 |
| Net loans and leases to core deposits | 68.7548% | 4,596 |
| Total domestic deposits to total assets | 90.4665% | 821 |
| Equity capital to assets | 9.1468% | 5,297 |
| Core capital (leverage) ratio | 9.3979% | 4,198 |
| Tier 1 risk-based capital ratio | 18.3234% | 2,198 |
| Total risk-based capital ratio | 19.5808% | 2,163 |
| Memoranda: | ||
| Average total assets | $53,113,000 | 6,261 |
| Average earning assets | $49,574,500 | 6,216 |
| Average equity | $4,860,000 | 6,468 |
| Average total loans | $32,243,500 | 5,992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 1,871 |
| Cost of funding earning assets | 1.0093% | 3,300 |
| Net interest margin | 4.2413% | 1,921 |
| Noninterest income to average assets | 0.8690% | 1,775 |
| Noninterest expense to average assets | 3.9364% | 1,135 |
| Loan and lease loss provision to assets | 0.1918% | 4,266 |
| Net operating income to assets | 0.4930% | 4,459 |
| Return on assets (ROA) | 0.4930% | 4,668 |
| Pretax return on assets | 0.6906% | 4,356 |
| Return on Equity (ROE) | 5.3629% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.4832% | 4,460 |
| Net charge-offs to loans | 0.3221% | 3,783 |
| Credit loss provision to net charge-offs | 95.2381% | 3,784 |
| Earnings coverage of net charge-offs (x) | 4.3810% | 3,134 |
| Efficiency ratio | 81.6879% | 2,062 |
| Assets per employee ($millions) | 3.0999% | 5,894 |
| Cash dividends to net income (ytd only)* | 53.6965% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,238 |
| Loan loss allowance to noncurrent loans | 307.8431% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 3,964 |
| Noncurrent loans to loans | 0.4709% | 5,770 |
| Net loans and leases to total assets | 60.7640% | 3,839 |
| Net loans and leases to deposits | 67.0829% | 4,569 |
| Net loans and leases to core deposits | 70.5750% | 4,710 |
| Total domestic deposits to total assets | 90.5805% | 672 |
| Equity capital to assets | 9.1539% | 5,350 |
| Core capital (leverage) ratio | 9.0644% | 4,675 |
| Tier 1 risk-based capital ratio | 17.7712% | 2,271 |
| Total risk-based capital ratio | 19.0274% | 2,244 |
| Memoranda: | ||
| Average total assets | $52,129,000 | 6,300 |
| Average earning assets | $48,547,000 | 6,240 |
| Average equity | $4,792,200 | 6,507 |
| Average total loans | $32,599,400 | 6,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 1,797 |
| Cost of funding earning assets | 1.0744% | 3,149 |
| Net interest margin | 4.2425% | 1,940 |
| Noninterest income to average assets | 0.8515% | 1,832 |
| Noninterest expense to average assets | 3.9804% | 1,026 |
| Loan and lease loss provision to assets | 0.2180% | 3,828 |
| Net operating income to assets | 0.4206% | 4,901 |
| Return on assets (ROA) | 0.4206% | 5,091 |
| Pretax return on assets | 0.6027% | 4,801 |
| Return on Equity (ROE) | 4.5704% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.5704% | 3,466 |
| Net charge-offs to loans | 0.1226% | 4,811 |
| Credit loss provision to net charge-offs | 283.3333% | 1,009 |
| Earnings coverage of net charge-offs (x) | 10.6665% | 1,893 |
| Efficiency ratio | 82.9060% | 1,858 |
| Assets per employee ($millions) | 3.3282% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 3,441 |
| Loan loss allowance to noncurrent loans | 379.2857% | 853 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,158 |
| Noncurrent loans to loans | 0.4357% | 5,971 |
| Net loans and leases to total assets | 59.3491% | 4,262 |
| Net loans and leases to deposits | 65.6188% | 4,956 |
| Net loans and leases to core deposits | 69.0602% | 5,058 |
| Total domestic deposits to total assets | 90.4452% | 662 |
| Equity capital to assets | 9.1435% | 5,591 |
| Core capital (leverage) ratio | 9.3376% | 4,399 |
| Tier 1 risk-based capital ratio | 17.7287% | 2,357 |
| Total risk-based capital ratio | 18.9885% | 2,321 |
| Memoranda: | ||
| Average total assets | $51,986,500 | 6,358 |
| Average earning assets | $48,397,500 | 6,301 |
| Average equity | $4,784,250 | 6,564 |
| Average total loans | $32,626,000 | 6,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 1,547 |
| Cost of funding earning assets | 1.1339% | 3,016 |
| Net interest margin | 4.2719% | 1,757 |
| Noninterest income to average assets | 0.8455% | 1,819 |
| Noninterest expense to average assets | 4.0144% | 1,030 |
| Loan and lease loss provision to assets | 0.2327% | 3,578 |
| Net operating income to assets | 0.3995% | 4,945 |
| Return on assets (ROA) | 0.3995% | 5,102 |
| Pretax return on assets | 0.5585% | 4,885 |
| Return on Equity (ROE) | 4.3314% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.3314% | 3,437 |
| Net charge-offs to loans | 0.1830% | 4,064 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,331 |
| Efficiency ratio | 83.5351% | 1,883 |
| Assets per employee ($millions) | 3.2327% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,890 |
| Loan loss allowance to noncurrent loans | 144.5714% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 3,539 |
| Noncurrent loans to loans | 1.0743% | 4,870 |
| Net loans and leases to total assets | 62.0072% | 3,885 |
| Net loans and leases to deposits | 68.6311% | 4,610 |
| Net loans and leases to core deposits | 72.6861% | 4,740 |
| Total domestic deposits to total assets | 90.3486% | 788 |
| Equity capital to assets | 9.2957% | 5,140 |
| Core capital (leverage) ratio | 9.3756% | 4,150 |
| Tier 1 risk-based capital ratio | 17.1849% | 2,447 |
| Total risk-based capital ratio | 18.4431% | 2,420 |
| Memoranda: | ||
| Average total assets | $51,565,000 | 6,429 |
| Average earning assets | $47,800,330 | 6,371 |
| Average equity | $4,756,000 | 6,612 |
| Average total loans | $32,789,670 | 6,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 1,390 |
| Cost of funding earning assets | 1.1856% | 2,912 |
| Net interest margin | 4.2800% | 1,624 |
| Noninterest income to average assets | 0.8080% | 2,001 |
| Noninterest expense to average assets | 3.9778% | 1,066 |
| Loan and lease loss provision to assets | 0.2331% | 3,320 |
| Net operating income to assets | 0.3885% | 5,000 |
| Return on assets (ROA) | 0.3885% | 5,090 |
| Pretax return on assets | 0.5516% | 4,858 |
| Return on Equity (ROE) | 4.2283% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.2283% | 3,629 |
| Net charge-offs to loans | 0.0851% | 4,100 |
| Credit loss provision to net charge-offs | 428.5714% | 804 |
| Earnings coverage of net charge-offs (x) | 14.4286% | 1,371 |
| Efficiency ratio | 83.5237% | 2,014 |
| Assets per employee ($millions) | 3.2161% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 4,137 |
| Loan loss allowance to noncurrent loans | 396.0317% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 4,024 |
| Noncurrent loans to loans | 0.3824% | 6,234 |
| Net loans and leases to total assets | 63.0643% | 3,638 |
| Net loans and leases to deposits | 69.7691% | 4,380 |
| Net loans and leases to core deposits | 73.6234% | 4,574 |
| Total domestic deposits to total assets | 90.3900% | 906 |
| Equity capital to assets | 9.2407% | 4,826 |
| Core capital (leverage) ratio | 9.1870% | 4,313 |
| Tier 1 risk-based capital ratio | 17.1129% | 2,432 |
| Total risk-based capital ratio | 18.3690% | 2,405 |
| Memoranda: | ||
| Average total assets | $51,486,000 | 6,476 |
| Average earning assets | $47,570,500 | 6,430 |
| Average equity | $4,730,000 | 6,640 |
| Average total loans | $32,895,500 | 6,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5106% | 2,237 |
| Cost of funding earning assets | 1.3415% | 3,637 |
| Net interest margin | 4.1691% | 2,298 |
| Noninterest income to average assets | 0.9522% | 1,666 |
| Noninterest expense to average assets | 3.8462% | 1,399 |
| Loan and lease loss provision to assets | 0.2366% | 4,918 |
| Net operating income to assets | 0.4455% | 4,334 |
| Return on assets (ROA) | 0.4455% | 4,501 |
| Pretax return on assets | 0.6742% | 4,072 |
| Return on Equity (ROE) | 4.8280% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.8799% | 4,546 |
| Net charge-offs to loans | 0.3463% | 4,283 |
| Credit loss provision to net charge-offs | 106.1947% | 4,209 |
| Earnings coverage of net charge-offs (x) | 4.0885% | 3,071 |
| Efficiency ratio | 80.8537% | 2,301 |
| Assets per employee ($millions) | 3.6796% | 4,509 |
| Cash dividends to net income (ytd only)* | 61.0619% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,283 |
| Loan loss allowance to noncurrent loans | 297.5000% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 4,023 |
| Noncurrent loans to loans | 0.4872% | 6,063 |
| Net loans and leases to total assets | 62.8264% | 4,109 |
| Net loans and leases to deposits | 69.3739% | 4,898 |
| Net loans and leases to core deposits | 73.3850% | 5,055 |
| Total domestic deposits to total assets | 90.5620% | 806 |
| Equity capital to assets | 9.1333% | 4,939 |
| Core capital (leverage) ratio | 8.8011% | 4,852 |
| Tier 1 risk-based capital ratio | 16.6143% | 2,488 |
| Total risk-based capital ratio | 17.8431% | 2,469 |
| Memoranda: | ||
| Average total assets | $50,725,800 | 6,504 |
| Average earning assets | $46,293,000 | 6,502 |
| Average equity | $4,681,000 | 6,762 |
| Average total loans | $32,631,200 | 6,278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 2,527 |
| Cost of funding earning assets | 1.3627% | 3,819 |
| Net interest margin | 4.1143% | 2,556 |
| Noninterest income to average assets | 0.8470% | 2,011 |
| Noninterest expense to average assets | 3.8393% | 1,301 |
| Loan and lease loss provision to assets | 0.2375% | 4,701 |
| Net operating income to assets | 0.3246% | 5,075 |
| Return on assets (ROA) | 0.3246% | 5,236 |
| Pretax return on assets | 0.5066% | 4,905 |
| Return on Equity (ROE) | 3.5080% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.5080% | 3,985 |
| Net charge-offs to loans | 0.3274% | 4,026 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 3.5251% | 3,409 |
| Efficiency ratio | 83.7651% | 1,859 |
| Assets per employee ($millions) | 3.5245% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,005 |
| Loan loss allowance to noncurrent loans | 71.2798% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 3,607 |
| Noncurrent loans to loans | 2.0919% | 3,578 |
| Net loans and leases to total assets | 56.1161% | 5,536 |
| Net loans and leases to deposits | 61.5817% | 6,161 |
| Net loans and leases to core deposits | 64.8676% | 6,222 |
| Total domestic deposits to total assets | 91.1246% | 405 |
| Equity capital to assets | 8.4054% | 6,386 |
| Core capital (leverage) ratio | 9.3744% | 4,099 |
| Tier 1 risk-based capital ratio | 16.7284% | 2,446 |
| Total risk-based capital ratio | 17.9848% | 2,409 |
| Memoranda: | ||
| Average total assets | $50,528,500 | 6,591 |
| Average earning assets | $45,888,000 | 6,592 |
| Average equity | $4,675,000 | 6,847 |
| Average total loans | $32,578,750 | 6,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7061% | 1,734 |
| Cost of funding earning assets | 1.4186% | 3,756 |
| Net interest margin | 4.2875% | 1,831 |
| Noninterest income to average assets | 0.7988% | 2,122 |
| Noninterest expense to average assets | 3.9610% | 1,094 |
| Loan and lease loss provision to assets | 0.2470% | 4,459 |
| Net operating income to assets | 0.3047% | 5,162 |
| Return on assets (ROA) | 0.3047% | 5,321 |
| Pretax return on assets | 0.4982% | 4,902 |
| Return on Equity (ROE) | 3.1805% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.1805% | 4,085 |
| Net charge-offs to loans | 0.3789% | 3,467 |
| Credit loss provision to net charge-offs | 96.7742% | 4,215 |
| Earnings coverage of net charge-offs (x) | 2.9194% | 3,534 |
| Efficiency ratio | 84.1645% | 1,903 |
| Assets per employee ($millions) | 3.3168% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,176 |
| Loan loss allowance to noncurrent loans | 69.5976% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.5527% | 2,834 |
| Noncurrent loans to loans | 2.0839% | 3,616 |
| Net loans and leases to total assets | 63.7804% | 4,302 |
| Net loans and leases to deposits | 70.7830% | 5,163 |
| Net loans and leases to core deposits | 74.2895% | 5,409 |
| Total domestic deposits to total assets | 90.1069% | 868 |
| Equity capital to assets | 9.4308% | 4,818 |
| Core capital (leverage) ratio | 9.5034% | 3,819 |
| Tier 1 risk-based capital ratio | 17.2443% | 2,184 |
| Total risk-based capital ratio | 18.5012% | 2,147 |
| Memoranda: | ||
| Average total assets | $48,574,000 | 6,710 |
| Average earning assets | $44,268,670 | 6,689 |
| Average equity | $4,653,330 | 6,889 |
| Average total loans | $32,730,330 | 6,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9029% | 1,196 |
| Cost of funding earning assets | 1.4366% | 3,950 |
| Net interest margin | 4.4663% | 1,218 |
| Noninterest income to average assets | 0.8669% | 1,749 |
| Noninterest expense to average assets | 4.0929% | 911 |
| Loan and lease loss provision to assets | 0.2501% | 4,043 |
| Net operating income to assets | 0.2751% | 5,399 |
| Return on assets (ROA) | 0.2751% | 5,528 |
| Pretax return on assets | 0.5668% | 4,730 |
| Return on Equity (ROE) | 2.8485% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.8485% | 4,419 |
| Net charge-offs to loans | 0.8122% | 1,908 |
| Credit loss provision to net charge-offs | 44.7761% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.4627% | 3,864 |
| Efficiency ratio | 83.3616% | 2,094 |
| Assets per employee ($millions) | 2.8185% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,807 |
| Loan loss allowance to noncurrent loans | 96.2138% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9305% | 3,589 |
| Noncurrent loans to loans | 1.3761% | 4,674 |
| Net loans and leases to total assets | 67.1975% | 3,580 |
| Net loans and leases to deposits | 74.8628% | 4,612 |
| Net loans and leases to core deposits | 74.8628% | 5,403 |
| Total domestic deposits to total assets | 89.7608% | 1,109 |
| Equity capital to assets | 9.7070% | 4,219 |
| Core capital (leverage) ratio | 9.7560% | 3,449 |
| Tier 1 risk-based capital ratio | 16.4004% | 2,486 |
| Total risk-based capital ratio | 17.6522% | 2,442 |
| Memoranda: | ||
| Average total assets | $47,985,000 | 6,807 |
| Average earning assets | $43,436,500 | 6,798 |
| Average equity | $4,634,000 | 6,966 |
| Average total loans | $32,996,000 | 6,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 1,853 |
| Cost of funding earning assets | 1.6619% | 4,718 |
| Net interest margin | 4.3408% | 1,599 |
| Noninterest income to average assets | 0.8825% | 2,021 |
| Noninterest expense to average assets | 4.1174% | 1,201 |
| Loan and lease loss provision to assets | 0.2423% | 5,444 |
| Net operating income to assets | 0.3332% | 4,401 |
| Return on assets (ROA) | 0.3332% | 4,492 |
| Pretax return on assets | 0.5048% | 4,168 |
| Return on Equity (ROE) | 3.5234% | 4,281 |
| Retained earnings to average equity (ytd only) | 0.5766% | 4,579 |
| Net charge-offs to loans | 0.1105% | 6,052 |
| Credit loss provision to net charge-offs | 324.3243% | 1,004 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,732 |
| Efficiency ratio | 84.6409% | 2,277 |
| Assets per employee ($millions) | 2.8268% | 6,610 |
| Cash dividends to net income (ytd only)* | 83.6364% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 4,209 |
| Loan loss allowance to noncurrent loans | 74.0916% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 3,138 |
| Noncurrent loans to loans | 1.8973% | 3,806 |
| Net loans and leases to total assets | 68.4493% | 3,597 |
| Net loans and leases to deposits | 76.0678% | 4,735 |
| Net loans and leases to core deposits | 104.8983% | 3,460 |
| Total domestic deposits to total assets | 89.9846% | 969 |
| Equity capital to assets | 9.6075% | 4,262 |
| Core capital (leverage) ratio | 9.5558% | 3,655 |
| Tier 1 risk-based capital ratio | 15.9130% | 2,560 |
| Total risk-based capital ratio | 17.1676% | 2,487 |
| Memoranda: | ||
| Average total assets | $49,521,200 | 6,731 |
| Average earning assets | $45,429,000 | 6,701 |
| Average equity | $4,683,000 | 7,056 |
| Average total loans | $33,496,400 | 6,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9319% | 2,308 |
| Cost of funding earning assets | 1.6928% | 4,937 |
| Net interest margin | 4.2391% | 1,911 |
| Noninterest income to average assets | 0.8953% | 1,999 |
| Noninterest expense to average assets | 3.8967% | 1,432 |
| Loan and lease loss provision to assets | 0.2405% | 5,044 |
| Net operating income to assets | 0.5051% | 3,962 |
| Return on assets (ROA) | 0.5051% | 4,050 |
| Pretax return on assets | 0.6868% | 3,902 |
| Return on Equity (ROE) | 5.3621% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,277 |
| Net charge-offs to loans | 0.1670% | 5,052 |
| Credit loss provision to net charge-offs | 214.2857% | 2,048 |
| Earnings coverage of net charge-offs (x) | 8.2618% | 2,278 |
| Efficiency ratio | 80.7756% | 2,737 |
| Assets per employee ($millions) | 2.7366% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,529 |
| Loan loss allowance to noncurrent loans | 76.5432% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9996% | 3,348 |
| Noncurrent loans to loans | 1.6939% | 4,098 |
| Net loans and leases to total assets | 67.0720% | 4,167 |
| Net loans and leases to deposits | 74.8098% | 5,247 |
| Net loans and leases to core deposits | 103.3114% | 4,018 |
| Total domestic deposits to total assets | 89.6567% | 908 |
| Equity capital to assets | 9.7018% | 4,491 |
| Core capital (leverage) ratio | 9.7814% | 3,539 |
| Tier 1 risk-based capital ratio | 16.1951% | 2,558 |
| Total risk-based capital ratio | 17.4489% | 2,494 |
| Memoranda: | ||
| Average total assets | $49,887,500 | 6,764 |
| Average earning assets | $46,234,750 | 6,723 |
| Average equity | $4,699,500 | 7,110 |
| Average total loans | $33,529,750 | 6,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0242% | 2,079 |
| Cost of funding earning assets | 1.7515% | 4,998 |
| Net interest margin | 4.2727% | 1,743 |
| Noninterest income to average assets | 0.8983% | 1,998 |
| Noninterest expense to average assets | 3.8366% | 1,596 |
| Loan and lease loss provision to assets | 0.2395% | 4,669 |
| Net operating income to assets | 0.6188% | 3,598 |
| Return on assets (ROA) | 0.6188% | 3,711 |
| Pretax return on assets | 0.7665% | 3,786 |
| Return on Equity (ROE) | 6.6339% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.6339% | 1,728 |
| Net charge-offs to loans | 0.2027% | 4,268 |
| Credit loss provision to net charge-offs | 176.4706% | 2,594 |
| Earnings coverage of net charge-offs (x) | 7.4118% | 2,445 |
| Efficiency ratio | 79.2251% | 3,156 |
| Assets per employee ($millions) | 2.7232% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,771 |
| Loan loss allowance to noncurrent loans | 219.1489% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 6,113 |
| Noncurrent loans to loans | 0.5599% | 6,148 |
| Net loans and leases to total assets | 67.6602% | 4,220 |
| Net loans and leases to deposits | 75.3870% | 5,264 |
| Net loans and leases to core deposits | 104.6281% | 3,997 |
| Total domestic deposits to total assets | 89.7505% | 935 |
| Equity capital to assets | 9.6803% | 4,380 |
| Core capital (leverage) ratio | 9.6316% | 3,728 |
| Tier 1 risk-based capital ratio | 16.1984% | 2,547 |
| Total risk-based capital ratio | 17.4513% | 2,498 |
| Memoranda: | ||
| Average total assets | $50,097,000 | 6,825 |
| Average earning assets | $46,246,670 | 6,788 |
| Average equity | $4,673,000 | 7,184 |
| Average total loans | $33,548,670 | 6,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 2,264 |
| Cost of funding earning assets | 1.8310% | 4,969 |
| Net interest margin | 4.1925% | 1,925 |
| Noninterest income to average assets | 0.9321% | 1,726 |
| Noninterest expense to average assets | 3.6653% | 1,720 |
| Loan and lease loss provision to assets | 0.2370% | 4,085 |
| Net operating income to assets | 0.7425% | 3,379 |
| Return on assets (ROA) | 0.7425% | 3,561 |
| Pretax return on assets | 0.9005% | 3,710 |
| Return on Equity (ROE) | 8.1087% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.1087% | 1,770 |
| Net charge-offs to loans | -0.2386% | 8,034 |
| Credit loss provision to net charge-offs | -150.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 3,438 |
| Assets per employee ($millions) | 3.1369% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,077 |
| Loan loss allowance to noncurrent loans | 219.0955% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 5,434 |
| Noncurrent loans to loans | 0.5934% | 5,914 |
| Net loans and leases to total assets | 65.9521% | 4,597 |
| Net loans and leases to deposits | 73.1811% | 5,589 |
| Net loans and leases to core deposits | 89.8095% | 5,571 |
| Total domestic deposits to total assets | 90.1217% | 738 |
| Equity capital to assets | 9.3324% | 4,886 |
| Core capital (leverage) ratio | 9.3804% | 4,130 |
| Tier 1 risk-based capital ratio | 16.3770% | 2,565 |
| Total risk-based capital ratio | 17.6288% | 2,506 |
| Memoranda: | ||
| Average total assets | $50,637,000 | 6,838 |
| Average earning assets | $46,750,500 | 6,806 |
| Average equity | $4,637,000 | 7,245 |
| Average total loans | $33,534,500 | 6,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9061% | 1,375 |
| Cost of funding earning assets | 2.5073% | 4,168 |
| Net interest margin | 4.3988% | 1,688 |
| Noninterest income to average assets | 0.8704% | 2,106 |
| Noninterest expense to average assets | 3.6823% | 1,986 |
| Loan and lease loss provision to assets | 0.2607% | 4,318 |
| Net operating income to assets | 0.6358% | 4,165 |
| Return on assets (ROA) | 0.6358% | 4,011 |
| Pretax return on assets | 0.9667% | 3,494 |
| Return on Equity (ROE) | 6.9729% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.9374% | 2,674 |
| Net charge-offs to loans | 0.3619% | 3,025 |
| Credit loss provision to net charge-offs | 110.1695% | 4,895 |
| Earnings coverage of net charge-offs (x) | 5.1864% | 3,729 |
| Efficiency ratio | 75.0000% | 3,399 |
| Assets per employee ($millions) | 3.4055% | 4,927 |
| Cash dividends to net income (ytd only)* | 43.5331% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 4,910 |
| Loan loss allowance to noncurrent loans | 138.3513% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 4,866 |
| Noncurrent loans to loans | 0.8321% | 4,972 |
| Net loans and leases to total assets | 64.8846% | 5,087 |
| Net loans and leases to deposits | 71.6943% | 6,092 |
| Net loans and leases to core deposits | 98.3560% | 5,004 |
| Total domestic deposits to total assets | 90.5017% | 487 |
| Equity capital to assets | 8.9854% | 5,381 |
| Core capital (leverage) ratio | 9.1551% | 4,517 |
| Tier 1 risk-based capital ratio | 15.8763% | 2,714 |
| Total risk-based capital ratio | 17.1284% | 2,652 |
| Memoranda: | ||
| Average total assets | $49,860,400 | 6,781 |
| Average earning assets | $45,785,400 | 6,778 |
| Average equity | $4,546,200 | 7,316 |
| Average total loans | $32,606,600 | 6,573 |