Home > First National Bank in Dalhart > Performance and Condition Ratios
First National Bank in Dalhart, 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 | 3.9032% | 3,576 |
| Cost of funding earning assets | 0.1128% | 5,709 |
| Net interest margin | 3.7904% | 2,366 |
| Noninterest income to average assets | 0.1845% | 5,355 |
| Noninterest expense to average assets | 2.4742% | 4,065 |
| Loan and lease loss provision to assets | 0.0119% | 4,008 |
| Net operating income to assets | 1.0992% | 1,998 |
| Return on assets (ROA) | 1.1012% | 2,093 |
| Pretax return on assets | 1.1012% | 3,230 |
| Return on Equity (ROE) | 10.1222% | 2,004 |
| Retained earnings to average equity (ytd only) | 7.0582% | 1,597 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0094% | 3,042 |
| Assets per employee ($millions) | 5.8062% | 1,577 |
| Cash dividends to net income (ytd only)* | 30.2697% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.4497% | 4,365 |
| Net loans and leases to deposits | 62.4994% | 4,594 |
| Net loans and leases to core deposits | 63.6349% | 4,742 |
| Total domestic deposits to total assets | 88.7203% | 1,042 |
| Equity capital to assets | 10.7845% | 3,262 |
| Core capital (leverage) ratio | 10.2386% | 3,293 |
| Tier 1 risk-based capital ratio | 16.4676% | 2,428 |
| Total risk-based capital ratio | 17.7179% | 2,379 |
| Memoranda: | ||
| Average total assets | $67,198,750 | 5,033 |
| Average earning assets | $60,291,000 | 5,055 |
| Average equity | $7,310,500 | 5,091 |
| Average total loans | $38,663,250 | 4,967 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,577 |
| Cost of funding earning assets | 0.1072% | 5,824 |
| Net interest margin | 3.8016% | 2,312 |
| Noninterest income to average assets | 0.1416% | 5,605 |
| Noninterest expense to average assets | 2.4377% | 4,219 |
| Loan and lease loss provision to assets | 0.0181% | 3,768 |
| Net operating income to assets | 1.1059% | 1,938 |
| Return on assets (ROA) | 1.1089% | 2,048 |
| Pretax return on assets | 1.1089% | 3,165 |
| Return on Equity (ROE) | 10.1620% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.5228% | 2,406 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4433% | 3,252 |
| Assets per employee ($millions) | 5.5920% | 1,706 |
| Cash dividends to net income (ytd only)* | 45.6522% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.2695% | 4,481 |
| Net loans and leases to deposits | 61.0460% | 4,728 |
| Net loans and leases to core deposits | 62.1949% | 4,872 |
| Total domestic deposits to total assets | 88.8993% | 960 |
| Equity capital to assets | 10.9800% | 3,081 |
| Core capital (leverage) ratio | 11.2595% | 2,183 |
| Tier 1 risk-based capital ratio | 16.9842% | 2,227 |
| Total risk-based capital ratio | 18.2365% | 2,186 |
| Memoranda: | ||
| Average total assets | $66,373,670 | 5,092 |
| Average earning assets | $59,711,330 | 5,122 |
| Average equity | $7,242,670 | 5,148 |
| Average total loans | $38,459,330 | 5,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 3,232 |
| Cost of funding earning assets | 0.1082% | 5,880 |
| Net interest margin | 3.8888% | 1,967 |
| Noninterest income to average assets | 0.1576% | 5,546 |
| Noninterest expense to average assets | 2.5148% | 4,023 |
| Loan and lease loss provision to assets | 0.0242% | 3,361 |
| Net operating income to assets | 1.1029% | 1,889 |
| Return on assets (ROA) | 1.1089% | 1,970 |
| Pretax return on assets | 1.1089% | 3,062 |
| Return on Equity (ROE) | 10.1950% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.1950% | 811 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0516% | 3,292 |
| Assets per employee ($millions) | 4.9405% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.8029% | 3,805 |
| Net loans and leases to deposits | 67.5418% | 4,102 |
| Net loans and leases to core deposits | 68.8765% | 4,330 |
| Total domestic deposits to total assets | 88.5420% | 1,335 |
| Equity capital to assets | 11.3552% | 2,574 |
| Core capital (leverage) ratio | 11.0998% | 2,313 |
| Tier 1 risk-based capital ratio | 16.5017% | 2,479 |
| Total risk-based capital ratio | 17.7534% | 2,430 |
| Memoranda: | ||
| Average total assets | $66,008,500 | 5,152 |
| Average earning assets | $59,143,500 | 5,180 |
| Average equity | $7,180,000 | 5,195 |
| Average total loans | $39,160,000 | 5,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,119 |
| Cost of funding earning assets | 0.1131% | 5,910 |
| Net interest margin | 3.9361% | 1,910 |
| Noninterest income to average assets | 0.1600% | 5,623 |
| Noninterest expense to average assets | 2.5174% | 4,171 |
| Loan and lease loss provision to assets | 0.1295% | 1,854 |
| Net operating income to assets | 1.1200% | 1,837 |
| Return on assets (ROA) | 1.1200% | 1,901 |
| Pretax return on assets | 1.1200% | 2,957 |
| Return on Equity (ROE) | 10.5628% | 1,776 |
| Retained earnings to average equity (ytd only) | 4.7425% | 2,615 |
| Net charge-offs to loans | 0.1787% | 1,604 |
| Credit loss provision to net charge-offs | 116.4384% | 2,198 |
| Earnings coverage of net charge-offs (x) | 11.2329% | 2,605 |
| Efficiency ratio | 66.8285% | 3,774 |
| Assets per employee ($millions) | 5.2147% | 2,105 |
| Cash dividends to net income (ytd only)* | 55.1020% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.9943% | 4,200 |
| Net loans and leases to deposits | 63.6881% | 4,491 |
| Net loans and leases to core deposits | 65.1398% | 4,658 |
| Total domestic deposits to total assets | 89.4898% | 863 |
| Equity capital to assets | 10.4247% | 3,449 |
| Core capital (leverage) ratio | 10.2086% | 3,254 |
| Tier 1 risk-based capital ratio | 15.7848% | 2,789 |
| Total risk-based capital ratio | 17.0360% | 2,725 |
| Memoranda: | ||
| Average total assets | $65,622,400 | 5,190 |
| Average earning assets | $60,136,400 | 5,185 |
| Average equity | $6,958,400 | 5,250 |
| Average total loans | $40,844,200 | 4,973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 2,961 |
| Cost of funding earning assets | 0.1136% | 6,006 |
| Net interest margin | 3.9815% | 1,759 |
| Noninterest income to average assets | 0.1659% | 5,650 |
| Noninterest expense to average assets | 2.4072% | 4,491 |
| Loan and lease loss provision to assets | 0.1741% | 1,219 |
| Net operating income to assets | 1.2477% | 1,495 |
| Return on assets (ROA) | 1.2477% | 1,549 |
| Pretax return on assets | 1.2477% | 2,614 |
| Return on Equity (ROE) | 11.7148% | 1,454 |
| Retained earnings to average equity (ytd only) | 8.3100% | 1,125 |
| Net charge-offs to loans | 0.2360% | 1,114 |
| Credit loss provision to net charge-offs | 116.4384% | 2,038 |
| Earnings coverage of net charge-offs (x) | 9.5069% | 2,687 |
| Efficiency ratio | 62.8678% | 4,432 |
| Assets per employee ($millions) | 4.9804% | 2,323 |
| Cash dividends to net income (ytd only)* | 29.0635% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.5407% | 3,532 |
| Net loans and leases to deposits | 70.8993% | 3,891 |
| Net loans and leases to core deposits | 72.6145% | 4,139 |
| Total domestic deposits to total assets | 88.2107% | 1,449 |
| Equity capital to assets | 11.0649% | 2,946 |
| Core capital (leverage) ratio | 10.4411% | 3,118 |
| Tier 1 risk-based capital ratio | 15.5285% | 3,035 |
| Total risk-based capital ratio | 16.7811% | 2,959 |
| Memoranda: | ||
| Average total assets | $65,080,250 | 5,269 |
| Average earning assets | $59,875,000 | 5,256 |
| Average equity | $6,931,250 | 5,324 |
| Average total loans | $41,237,250 | 5,013 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 2,961 |
| Cost of funding earning assets | 0.1076% | 6,102 |
| Net interest margin | 3.9756% | 1,718 |
| Noninterest income to average assets | 0.1810% | 5,605 |
| Noninterest expense to average assets | 2.3715% | 4,654 |
| Loan and lease loss provision to assets | 0.2608% | 651 |
| Net operating income to assets | 1.1750% | 1,683 |
| Return on assets (ROA) | 1.1750% | 1,750 |
| Pretax return on assets | 1.1750% | 2,881 |
| Return on Equity (ROE) | 11.1765% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.3324% | 2,041 |
| Net charge-offs to loans | 0.3537% | 745 |
| Credit loss provision to net charge-offs | 116.4384% | 1,851 |
| Earnings coverage of net charge-offs (x) | 6.4110% | 2,786 |
| Efficiency ratio | 62.2885% | 4,637 |
| Assets per employee ($millions) | 5.0110% | 2,262 |
| Cash dividends to net income (ytd only)* | 43.3420% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.9654% | 3,268 |
| Net loans and leases to deposits | 74.4781% | 3,438 |
| Net loans and leases to core deposits | 75.9690% | 3,773 |
| Total domestic deposits to total assets | 85.8849% | 2,753 |
| Equity capital to assets | 10.5982% | 3,324 |
| Core capital (leverage) ratio | 10.7602% | 2,668 |
| Tier 1 risk-based capital ratio | 14.7727% | 3,492 |
| Total risk-based capital ratio | 16.0249% | 3,421 |
| Memoranda: | ||
| Average total assets | $65,192,000 | 5,321 |
| Average earning assets | $59,462,670 | 5,319 |
| Average equity | $6,853,670 | 5,388 |
| Average total loans | $41,274,000 | 5,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 2,975 |
| Cost of funding earning assets | 0.1138% | 6,140 |
| Net interest margin | 3.9504% | 1,715 |
| Noninterest income to average assets | 0.1533% | 5,822 |
| Noninterest expense to average assets | 2.3246% | 4,810 |
| Loan and lease loss provision to assets | 0.0184% | 3,478 |
| Net operating income to assets | 1.4291% | 982 |
| Return on assets (ROA) | 1.4291% | 1,036 |
| Pretax return on assets | 1.4291% | 1,780 |
| Return on Equity (ROE) | 13.6487% | 948 |
| Retained earnings to average equity (ytd only) | 13.6487% | 386 |
| Net charge-offs to loans | -0.0098% | 4,715 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6260% | 4,860 |
| Assets per employee ($millions) | 5.3231% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 2,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.2900% | 3,321 |
| Net loans and leases to deposits | 70.0856% | 3,739 |
| Net loans and leases to core deposits | 71.9837% | 3,964 |
| Total domestic deposits to total assets | 88.8771% | 1,345 |
| Equity capital to assets | 10.9351% | 3,046 |
| Core capital (leverage) ratio | 10.2030% | 3,337 |
| Tier 1 risk-based capital ratio | 15.4138% | 3,190 |
| Total risk-based capital ratio | 16.6637% | 3,124 |
| Memoranda: | ||
| Average total assets | $65,216,500 | 5,371 |
| Average earning assets | $59,741,000 | 5,358 |
| Average equity | $6,828,500 | 5,436 |
| Average total loans | $40,759,000 | 5,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 3,721 |
| Cost of funding earning assets | 0.1413% | 6,152 |
| Net interest margin | 3.8614% | 2,388 |
| Noninterest income to average assets | 0.1392% | 6,002 |
| Noninterest expense to average assets | 2.3713% | 4,918 |
| Loan and lease loss provision to assets | 0.0953% | 2,558 |
| Net operating income to assets | 1.1578% | 1,736 |
| Return on assets (ROA) | 1.1578% | 1,804 |
| Pretax return on assets | 1.1578% | 2,831 |
| Return on Equity (ROE) | 12.1259% | 1,380 |
| Retained earnings to average equity (ytd only) | 5.9401% | 1,964 |
| Net charge-offs to loans | 0.0351% | 4,131 |
| Credit loss provision to net charge-offs | 464.2857% | 567 |
| Earnings coverage of net charge-offs (x) | 61.0714% | 782 |
| Efficiency ratio | 65.4266% | 4,335 |
| Assets per employee ($millions) | 5.1197% | 2,169 |
| Cash dividends to net income (ytd only)* | 51.0127% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 2,404 |
| Loan loss allowance to noncurrent loans | 429.6552% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 5,150 |
| Noncurrent loans to loans | 0.3528% | 4,601 |
| Net loans and leases to total assets | 60.8195% | 3,669 |
| Net loans and leases to deposits | 67.6703% | 4,156 |
| Net loans and leases to core deposits | 69.4072% | 4,375 |
| Total domestic deposits to total assets | 89.8762% | 785 |
| Equity capital to assets | 10.0246% | 4,077 |
| Core capital (leverage) ratio | 9.6600% | 4,026 |
| Tier 1 risk-based capital ratio | 14.4691% | 3,794 |
| Total risk-based capital ratio | 15.7204% | 3,732 |
| Memoranda: | ||
| Average total assets | $68,233,800 | 5,340 |
| Average earning assets | $61,583,600 | 5,353 |
| Average equity | $6,515,000 | 5,519 |
| Average total loans | $39,836,800 | 5,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,831 |
| Cost of funding earning assets | 0.1399% | 6,239 |
| Net interest margin | 3.8412% | 2,470 |
| Noninterest income to average assets | 0.1418% | 6,067 |
| Noninterest expense to average assets | 2.2198% | 5,313 |
| Loan and lease loss provision to assets | 0.0485% | 3,407 |
| Net operating income to assets | 1.3381% | 1,272 |
| Return on assets (ROA) | 1.3381% | 1,328 |
| Pretax return on assets | 1.3381% | 2,242 |
| Return on Equity (ROE) | 14.1858% | 953 |
| Retained earnings to average equity (ytd only) | 10.6857% | 560 |
| Net charge-offs to loans | 0.0439% | 3,622 |
| Credit loss provision to net charge-offs | 192.3077% | 1,309 |
| Earnings coverage of net charge-offs (x) | 54.9325% | 925 |
| Efficiency ratio | 61.5509% | 4,953 |
| Assets per employee ($millions) | 5.6848% | 1,573 |
| Cash dividends to net income (ytd only)* | 24.6734% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.1230% | 4,559 |
| Net loans and leases to deposits | 60.4099% | 4,903 |
| Net loans and leases to core deposits | 61.8045% | 5,046 |
| Total domestic deposits to total assets | 89.5930% | 936 |
| Equity capital to assets | 9.1662% | 5,189 |
| Core capital (leverage) ratio | 10.2468% | 3,345 |
| Tier 1 risk-based capital ratio | 14.4683% | 3,906 |
| Total risk-based capital ratio | 15.7099% | 3,852 |
| Memoranda: | ||
| Average total assets | $68,653,250 | 5,385 |
| Average earning assets | $61,923,750 | 5,407 |
| Average equity | $6,475,750 | 5,585 |
| Average total loans | $39,520,500 | 5,261 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,665 |
| Cost of funding earning assets | 0.1328% | 6,348 |
| Net interest margin | 3.8840% | 2,237 |
| Noninterest income to average assets | 0.1495% | 6,063 |
| Noninterest expense to average assets | 2.2121% | 5,382 |
| Loan and lease loss provision to assets | 0.0747% | 2,781 |
| Net operating income to assets | 1.3602% | 1,162 |
| Return on assets (ROA) | 1.3602% | 1,205 |
| Pretax return on assets | 1.3602% | 2,041 |
| Return on Equity (ROE) | 14.2715% | 908 |
| Retained earnings to average equity (ytd only) | 8.9393% | 1,004 |
| Net charge-offs to loans | 0.0153% | 3,926 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 390 |
| Efficiency ratio | 60.6557% | 5,201 |
| Assets per employee ($millions) | 4.8431% | 2,413 |
| Cash dividends to net income (ytd only)* | 37.3626% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 2,817 |
| Loan loss allowance to noncurrent loans | 3,494.1176% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 6,132 |
| Noncurrent loans to loans | 0.0434% | 5,923 |
| Net loans and leases to total assets | 61.2230% | 3,536 |
| Net loans and leases to deposits | 68.6556% | 3,973 |
| Net loans and leases to core deposits | 70.5312% | 4,215 |
| Total domestic deposits to total assets | 89.1741% | 1,266 |
| Equity capital to assets | 10.3907% | 3,574 |
| Core capital (leverage) ratio | 10.4833% | 2,970 |
| Tier 1 risk-based capital ratio | 15.0130% | 3,634 |
| Total risk-based capital ratio | 16.2653% | 3,579 |
| Memoranda: | ||
| Average total assets | $66,903,670 | 5,478 |
| Average earning assets | $60,247,330 | 5,495 |
| Average equity | $6,376,330 | 5,639 |
| Average total loans | $39,166,670 | 5,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,057 |
| Cost of funding earning assets | 0.1231% | 6,484 |
| Net interest margin | 3.7838% | 2,533 |
| Noninterest income to average assets | 0.1568% | 6,026 |
| Noninterest expense to average assets | 1.9630% | 5,950 |
| Loan and lease loss provision to assets | 0.1452% | 1,682 |
| Net operating income to assets | 1.4403% | 914 |
| Return on assets (ROA) | 1.4403% | 948 |
| Pretax return on assets | 1.4403% | 1,606 |
| Return on Equity (ROE) | 15.7623% | 669 |
| Retained earnings to average equity (ytd only) | 15.7623% | 286 |
| Net charge-offs to loans | 0.1736% | 1,678 |
| Credit loss provision to net charge-offs | 147.0588% | 1,279 |
| Earnings coverage of net charge-offs (x) | 16.0588% | 1,519 |
| Efficiency ratio | 55.3191% | 5,899 |
| Assets per employee ($millions) | 5.3045% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.2475% | 4,379 |
| Net loans and leases to deposits | 59.8988% | 4,772 |
| Net loans and leases to core deposits | 61.8723% | 4,894 |
| Total domestic deposits to total assets | 90.5653% | 763 |
| Equity capital to assets | 9.3492% | 4,699 |
| Core capital (leverage) ratio | 9.9450% | 3,641 |
| Tier 1 risk-based capital ratio | 15.0749% | 3,673 |
| Total risk-based capital ratio | 16.3255% | 3,626 |
| Memoranda: | ||
| Average total assets | $68,875,500 | 5,480 |
| Average earning assets | $61,737,000 | 5,514 |
| Average equity | $6,293,500 | 5,691 |
| Average total loans | $39,180,000 | 5,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,945 |
| Cost of funding earning assets | 0.1806% | 6,386 |
| Net interest margin | 3.8618% | 2,423 |
| Noninterest income to average assets | 0.2401% | 5,628 |
| Noninterest expense to average assets | 2.5796% | 4,534 |
| Loan and lease loss provision to assets | 0.0373% | 4,369 |
| Net operating income to assets | 1.0661% | 2,053 |
| Return on assets (ROA) | 1.0661% | 2,136 |
| Pretax return on assets | 1.0661% | 3,086 |
| Return on Equity (ROE) | 11.5464% | 1,576 |
| Retained earnings to average equity (ytd only) | 3.5689% | 3,676 |
| Net charge-offs to loans | -0.0025% | 5,866 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0405% | 3,835 |
| Assets per employee ($millions) | 5.2918% | 1,857 |
| Cash dividends to net income (ytd only)* | 69.0909% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 3,566 |
| Loan loss allowance to noncurrent loans | 3,364.7059% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,323 |
| Noncurrent loans to loans | 0.0421% | 6,113 |
| Net loans and leases to total assets | 57.8547% | 4,057 |
| Net loans and leases to deposits | 63.5834% | 4,546 |
| Net loans and leases to core deposits | 65.6722% | 4,723 |
| Total domestic deposits to total assets | 90.9904% | 576 |
| Equity capital to assets | 8.9253% | 5,125 |
| Core capital (leverage) ratio | 9.2215% | 4,689 |
| Tier 1 risk-based capital ratio | 13.6628% | 4,541 |
| Total risk-based capital ratio | 14.9061% | 4,495 |
| Memoranda: | ||
| Average total assets | $67,064,200 | 5,564 |
| Average earning assets | $59,790,800 | 5,597 |
| Average equity | $6,192,400 | 5,767 |
| Average total loans | $39,255,800 | 5,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 4,137 |
| Cost of funding earning assets | 0.1901% | 6,447 |
| Net interest margin | 3.8091% | 2,607 |
| Noninterest income to average assets | 0.2721% | 5,500 |
| Noninterest expense to average assets | 2.3512% | 5,177 |
| Loan and lease loss provision to assets | 0.0500% | 4,013 |
| Net operating income to assets | 1.2786% | 1,400 |
| Return on assets (ROA) | 1.2786% | 1,471 |
| Pretax return on assets | 1.2786% | 2,414 |
| Return on Equity (ROE) | 13.7294% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.4009% | 1,250 |
| Net charge-offs to loans | -0.0034% | 5,736 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8934% | 4,816 |
| Assets per employee ($millions) | 5.2480% | 1,895 |
| Cash dividends to net income (ytd only)* | 38.8108% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,970 |
| Loan loss allowance to noncurrent loans | 28,600.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,520 |
| Noncurrent loans to loans | 0.0048% | 6,373 |
| Net loans and leases to total assets | 59.7458% | 3,739 |
| Net loans and leases to deposits | 66.0900% | 4,298 |
| Net loans and leases to core deposits | 68.2913% | 4,504 |
| Total domestic deposits to total assets | 90.4007% | 786 |
| Equity capital to assets | 9.2402% | 4,880 |
| Core capital (leverage) ratio | 9.7036% | 4,100 |
| Tier 1 risk-based capital ratio | 13.9300% | 4,478 |
| Total risk-based capital ratio | 15.1643% | 4,443 |
| Memoranda: | ||
| Average total assets | $66,632,000 | 5,631 |
| Average earning assets | $59,610,000 | 5,662 |
| Average equity | $6,205,500 | 5,836 |
| Average total loans | $38,976,750 | 5,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 4,144 |
| Cost of funding earning assets | 0.2138% | 6,413 |
| Net interest margin | 3.7767% | 2,647 |
| Noninterest income to average assets | 0.3358% | 4,998 |
| Noninterest expense to average assets | 2.3721% | 5,133 |
| Loan and lease loss provision to assets | 0.0756% | 3,537 |
| Net operating income to assets | 1.2556% | 1,441 |
| Return on assets (ROA) | 1.2556% | 1,538 |
| Pretax return on assets | 1.2556% | 2,463 |
| Return on Equity (ROE) | 13.4464% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,802 |
| Net charge-offs to loans | -0.0052% | 5,644 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0523% | 4,865 |
| Assets per employee ($millions) | 4.6117% | 2,633 |
| Cash dividends to net income (ytd only)* | 59.7590% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,660 |
| Loan loss allowance to noncurrent loans | 28,600.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,569 |
| Noncurrent loans to loans | 0.0052% | 6,432 |
| Net loans and leases to total assets | 58.8517% | 3,848 |
| Net loans and leases to deposits | 65.1805% | 4,362 |
| Net loans and leases to core deposits | 67.4818% | 4,549 |
| Total domestic deposits to total assets | 90.2903% | 867 |
| Equity capital to assets | 9.4186% | 4,691 |
| Core capital (leverage) ratio | 9.7461% | 3,869 |
| Tier 1 risk-based capital ratio | 14.3380% | 4,200 |
| Total risk-based capital ratio | 15.5898% | 4,153 |
| Memoranda: | ||
| Average total assets | $66,101,330 | 5,687 |
| Average earning assets | $58,939,670 | 5,727 |
| Average equity | $6,172,670 | 5,887 |
| Average total loans | $38,191,330 | 5,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 4,229 |
| Cost of funding earning assets | 0.2226% | 6,461 |
| Net interest margin | 3.7504% | 2,662 |
| Noninterest income to average assets | 0.1495% | 6,355 |
| Noninterest expense to average assets | 2.3568% | 5,250 |
| Loan and lease loss provision to assets | 0.1495% | 2,380 |
| Net operating income to assets | 0.9690% | 2,356 |
| Return on assets (ROA) | 0.9690% | 2,488 |
| Pretax return on assets | 0.9690% | 3,488 |
| Return on Equity (ROE) | 10.4205% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.0989% | 1,081 |
| Net charge-offs to loans | -0.0105% | 5,460 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8141% | 4,341 |
| Assets per employee ($millions) | 4.9312% | 2,308 |
| Cash dividends to net income (ytd only)* | 3.0864% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,776 |
| Loan loss allowance to noncurrent loans | 608.5106% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 6,131 |
| Noncurrent loans to loans | 0.2484% | 5,790 |
| Net loans and leases to total assets | 58.1443% | 3,766 |
| Net loans and leases to deposits | 65.7831% | 4,086 |
| Net loans and leases to core deposits | 68.1738% | 4,283 |
| Total domestic deposits to total assets | 88.3880% | 2,072 |
| Equity capital to assets | 9.7698% | 4,467 |
| Core capital (leverage) ratio | 9.3296% | 4,354 |
| Tier 1 risk-based capital ratio | 14.5473% | 4,142 |
| Total risk-based capital ratio | 15.7983% | 4,103 |
| Memoranda: | ||
| Average total assets | $66,870,000 | 5,711 |
| Average earning assets | $59,300,000 | 5,766 |
| Average equity | $6,218,500 | 5,932 |
| Average total loans | $38,002,500 | 5,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 4,002 |
| Cost of funding earning assets | 0.3068% | 6,419 |
| Net interest margin | 4.0497% | 2,200 |
| Noninterest income to average assets | 0.1699% | 6,180 |
| Noninterest expense to average assets | 2.4063% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2405% | 1,474 |
| Return on assets (ROA) | 1.2421% | 1,633 |
| Pretax return on assets | 1.2421% | 2,630 |
| Return on Equity (ROE) | 13.2816% | 1,162 |
| Retained earnings to average equity (ytd only) | 9.1821% | 769 |
| Net charge-offs to loans | 0.0051% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 101 |
| Efficiency ratio | 65.9829% | 4,511 |
| Assets per employee ($millions) | 5.3565% | 1,834 |
| Cash dividends to net income (ytd only)* | 30.8657% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,011 |
| Loan loss allowance to noncurrent loans | 195.6989% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 5,481 |
| Noncurrent loans to loans | 0.7312% | 4,715 |
| Net loans and leases to total assets | 54.0153% | 4,617 |
| Net loans and leases to deposits | 60.0348% | 5,022 |
| Net loans and leases to core deposits | 62.0001% | 5,158 |
| Total domestic deposits to total assets | 89.9733% | 965 |
| Equity capital to assets | 8.8664% | 5,668 |
| Core capital (leverage) ratio | 8.9630% | 4,960 |
| Tier 1 risk-based capital ratio | 14.6700% | 3,912 |
| Total risk-based capital ratio | 15.9207% | 3,877 |
| Memoranda: | ||
| Average total assets | $64,165,800 | 5,811 |
| Average earning assets | $55,090,200 | 5,886 |
| Average equity | $6,000,800 | 6,026 |
| Average total loans | $38,895,200 | 5,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 3,818 |
| Cost of funding earning assets | 0.3271% | 6,480 |
| Net interest margin | 4.1258% | 2,001 |
| Noninterest income to average assets | 0.1826% | 6,214 |
| Noninterest expense to average assets | 2.3758% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3418% | 1,345 |
| Return on assets (ROA) | 1.3439% | 1,485 |
| Pretax return on assets | 1.3439% | 2,433 |
| Return on Equity (ROE) | 14.1667% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.8981% | 312 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9063% | 4,818 |
| Assets per employee ($millions) | 4.7622% | 2,513 |
| Cash dividends to net income (ytd only)* | 1.8958% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,779 |
| Loan loss allowance to noncurrent loans | 559.1837% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 6,310 |
| Noncurrent loans to loans | 0.2338% | 6,021 |
| Net loans and leases to total assets | 66.8110% | 2,500 |
| Net loans and leases to deposits | 76.3517% | 2,933 |
| Net loans and leases to core deposits | 80.7994% | 3,109 |
| Total domestic deposits to total assets | 87.5042% | 2,346 |
| Equity capital to assets | 10.1342% | 4,306 |
| Core capital (leverage) ratio | 10.0930% | 3,415 |
| Tier 1 risk-based capital ratio | 13.5645% | 4,843 |
| Total risk-based capital ratio | 14.7763% | 4,825 |
| Memoranda: | ||
| Average total assets | $62,798,750 | 5,922 |
| Average earning assets | $53,806,750 | 6,000 |
| Average equity | $5,957,500 | 6,103 |
| Average total loans | $39,079,250 | 5,614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 4,358 |
| Cost of funding earning assets | 0.3119% | 6,682 |
| Net interest margin | 4.0431% | 2,325 |
| Noninterest income to average assets | 0.1870% | 6,230 |
| Noninterest expense to average assets | 2.3742% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2648% | 1,527 |
| Return on assets (ROA) | 1.2679% | 1,687 |
| Pretax return on assets | 1.2679% | 2,656 |
| Return on Equity (ROE) | 13.6705% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.2604% | 412 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2439% | 4,679 |
| Assets per employee ($millions) | 4.6815% | 2,594 |
| Cash dividends to net income (ytd only)* | 3.0000% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 62.8173% | 3,268 |
| Net loans and leases to deposits | 71.3299% | 3,715 |
| Net loans and leases to core deposits | 74.0676% | 4,024 |
| Total domestic deposits to total assets | 88.0659% | 2,100 |
| Equity capital to assets | 9.9262% | 4,453 |
| Core capital (leverage) ratio | 9.8914% | 3,588 |
| Tier 1 risk-based capital ratio | 14.0718% | 4,392 |
| Total risk-based capital ratio | 15.3213% | 4,358 |
| Memoranda: | ||
| Average total assets | $63,095,330 | 5,942 |
| Average earning assets | $53,869,000 | 6,035 |
| Average equity | $5,852,000 | 6,158 |
| Average total loans | $38,135,670 | 5,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 4,788 |
| Cost of funding earning assets | 0.3197% | 6,778 |
| Net interest margin | 3.9674% | 2,641 |
| Noninterest income to average assets | 0.1557% | 6,462 |
| Noninterest expense to average assets | 2.3173% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2396% | 1,635 |
| Return on assets (ROA) | 1.2396% | 1,813 |
| Pretax return on assets | 1.2396% | 2,767 |
| Return on Equity (ROE) | 13.8254% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.9917% | 682 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1489% | 4,708 |
| Assets per employee ($millions) | 4.7935% | 2,520 |
| Cash dividends to net income (ytd only)* | 6.0302% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.6813% | 3,736 |
| Net loans and leases to deposits | 66.8470% | 4,252 |
| Net loans and leases to core deposits | 69.3151% | 4,522 |
| Total domestic deposits to total assets | 89.2804% | 1,492 |
| Equity capital to assets | 9.3812% | 4,989 |
| Core capital (leverage) ratio | 9.1515% | 4,600 |
| Tier 1 risk-based capital ratio | 13.8994% | 4,528 |
| Total risk-based capital ratio | 15.1503% | 4,516 |
| Memoranda: | ||
| Average total assets | $64,213,500 | 5,951 |
| Average earning assets | $55,048,500 | 6,029 |
| Average equity | $5,757,500 | 6,210 |
| Average total loans | $37,814,500 | 5,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 4,410 |
| Cost of funding earning assets | 0.4856% | 6,593 |
| Net interest margin | 4.1772% | 2,130 |
| Noninterest income to average assets | 0.1652% | 6,308 |
| Noninterest expense to average assets | 2.6551% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1869% | 1,538 |
| Return on assets (ROA) | 1.1933% | 1,638 |
| Pretax return on assets | 1.1933% | 2,487 |
| Return on Equity (ROE) | 14.1655% | 895 |
| Retained earnings to average equity (ytd only) | 8.1296% | 1,038 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1067% | 4,130 |
| Assets per employee ($millions) | 4.7222% | 2,555 |
| Cash dividends to net income (ytd only)* | 42.6099% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.4838% | 4,627 |
| Net loans and leases to deposits | 62.6617% | 5,155 |
| Net loans and leases to core deposits | 64.4795% | 5,419 |
| Total domestic deposits to total assets | 90.1408% | 919 |
| Equity capital to assets | 8.5750% | 6,047 |
| Core capital (leverage) ratio | 8.6094% | 5,379 |
| Tier 1 risk-based capital ratio | 13.1963% | 4,917 |
| Total risk-based capital ratio | 14.4481% | 4,894 |
| Memoranda: | ||
| Average total assets | $62,935,000 | 5,958 |
| Average earning assets | $55,395,800 | 6,008 |
| Average equity | $5,301,600 | 6,346 |
| Average total loans | $41,382,800 | 5,624 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 4,121 |
| Cost of funding earning assets | 0.5284% | 6,584 |
| Net interest margin | 4.2468% | 1,921 |
| Noninterest income to average assets | 0.1588% | 6,458 |
| Noninterest expense to average assets | 2.5125% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4054% | 1,137 |
| Return on assets (ROA) | 1.4161% | 1,196 |
| Pretax return on assets | 1.4161% | 1,897 |
| Return on Equity (ROE) | 16.8910% | 576 |
| Retained earnings to average equity (ytd only) | 16.8910% | 144 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1292% | 5,039 |
| Assets per employee ($millions) | 4.3894% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,902 |
| 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 | 66.4486% | 2,795 |
| Net loans and leases to deposits | 79.2385% | 2,772 |
| Net loans and leases to core deposits | 81.6043% | 3,388 |
| Total domestic deposits to total assets | 83.8589% | 4,297 |
| Equity capital to assets | 9.6710% | 4,824 |
| Core capital (leverage) ratio | 9.4737% | 4,191 |
| Tier 1 risk-based capital ratio | 12.7941% | 5,255 |
| Total risk-based capital ratio | 14.0152% | 5,261 |
| Memoranda: | ||
| Average total assets | $62,141,000 | 6,031 |
| Average earning assets | $55,004,750 | 6,066 |
| Average equity | $5,209,750 | 6,431 |
| Average total loans | $42,256,000 | 5,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 4,411 |
| Cost of funding earning assets | 0.5473% | 6,676 |
| Net interest margin | 4.1805% | 2,119 |
| Noninterest income to average assets | 0.1700% | 6,446 |
| Noninterest expense to average assets | 2.4916% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4013% | 1,082 |
| Return on assets (ROA) | 1.4013% | 1,148 |
| Pretax return on assets | 1.4013% | 1,794 |
| Return on Equity (ROE) | 17.6021% | 500 |
| Retained earnings to average equity (ytd only) | 17.6021% | 147 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0033% | 5,239 |
| Assets per employee ($millions) | 4.4237% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,225 |
| 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 | 74.3723% | 1,348 |
| Net loans and leases to deposits | 88.4958% | 1,433 |
| Net loans and leases to core deposits | 91.8324% | 2,161 |
| Total domestic deposits to total assets | 84.0405% | 4,330 |
| Equity capital to assets | 9.0370% | 5,528 |
| Core capital (leverage) ratio | 8.5663% | 5,450 |
| Tier 1 risk-based capital ratio | 10.9296% | 6,585 |
| Total risk-based capital ratio | 12.1230% | 6,584 |
| Memoranda: | ||
| Average total assets | $62,370,670 | 6,072 |
| Average earning assets | $55,543,330 | 6,099 |
| Average equity | $4,965,330 | 6,546 |
| Average total loans | $42,547,330 | 5,678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 5,140 |
| Cost of funding earning assets | 0.5706% | 6,726 |
| Net interest margin | 3.9870% | 2,739 |
| Noninterest income to average assets | 0.1667% | 6,537 |
| Noninterest expense to average assets | 2.3888% | 5,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3148% | 1,232 |
| Return on assets (ROA) | 1.3148% | 1,280 |
| Pretax return on assets | 1.3148% | 1,992 |
| Return on Equity (ROE) | 17.5688% | 515 |
| Retained earnings to average equity (ytd only) | 17.5688% | 253 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5000% | 5,277 |
| Assets per employee ($millions) | 4.5314% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,261 |
| Loan loss allowance to noncurrent loans | 10,960.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,177 |
| Noncurrent loans to loans | 0.0116% | 7,044 |
| Net loans and leases to total assets | 66.8127% | 2,810 |
| Net loans and leases to deposits | 75.4347% | 3,509 |
| Net loans and leases to core deposits | 77.8653% | 4,037 |
| Total domestic deposits to total assets | 88.5703% | 2,034 |
| Equity capital to assets | 7.7979% | 6,679 |
| Core capital (leverage) ratio | 7.3474% | 6,825 |
| Tier 1 risk-based capital ratio | 10.5626% | 6,776 |
| Total risk-based capital ratio | 11.7698% | 6,781 |
| Memoranda: | ||
| Average total assets | $64,802,000 | 6,036 |
| Average earning assets | $57,486,500 | 6,082 |
| Average equity | $4,849,500 | 6,604 |
| Average total loans | $42,162,000 | 5,745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 4,449 |
| Cost of funding earning assets | 1.0396% | 5,484 |
| Net interest margin | 3.9811% | 3,100 |
| Noninterest income to average assets | 0.1668% | 6,537 |
| Noninterest expense to average assets | 2.7906% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9626% | 2,157 |
| Return on assets (ROA) | 0.9626% | 2,276 |
| Pretax return on assets | 0.9626% | 3,056 |
| Return on Equity (ROE) | 12.0351% | 1,310 |
| Retained earnings to average equity (ytd only) | 7.9727% | 981 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3519% | 3,327 |
| Assets per employee ($millions) | 5.0895% | 2,028 |
| Cash dividends to net income (ytd only)* | 33.7545% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.7284% | 4,342 |
| Net loans and leases to deposits | 68.7437% | 4,995 |
| Net loans and leases to core deposits | 71.1446% | 5,315 |
| Total domestic deposits to total assets | 89.7951% | 1,212 |
| Equity capital to assets | 7.1822% | 7,042 |
| Core capital (leverage) ratio | 6.5785% | 7,176 |
| Tier 1 risk-based capital ratio | 10.1612% | 6,900 |
| Total risk-based capital ratio | 11.3765% | 6,899 |
| Memoranda: | ||
| Average total assets | $57,549,800 | 6,287 |
| Average earning assets | $51,844,800 | 6,295 |
| Average equity | $4,603,200 | 6,786 |
| Average total loans | $40,919,000 | 5,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 4,889 |
| Cost of funding earning assets | 0.9664% | 6,097 |
| Net interest margin | 4.0194% | 3,010 |
| Noninterest income to average assets | 0.1733% | 6,638 |
| Noninterest expense to average assets | 2.7486% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0783% | 1,976 |
| Return on assets (ROA) | 1.0783% | 2,083 |
| Pretax return on assets | 1.0783% | 2,900 |
| Return on Equity (ROE) | 13.0819% | 1,233 |
| Retained earnings to average equity (ytd only) | 10.0158% | 788 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8239% | 3,734 |
| Assets per employee ($millions) | 4.8154% | 2,432 |
| Cash dividends to net income (ytd only)* | 23.4380% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 76.1885% | 1,368 |
| Net loans and leases to deposits | 97.9041% | 799 |
| Net loans and leases to core deposits | 102.1022% | 1,645 |
| Total domestic deposits to total assets | 77.8195% | 6,288 |
| Equity capital to assets | 7.6933% | 7,002 |
| Core capital (leverage) ratio | 7.3356% | 6,984 |
| Tier 1 risk-based capital ratio | 8.9488% | 7,373 |
| Total risk-based capital ratio | 10.0247% | 7,420 |
| Memoranda: | ||
| Average total assets | $55,396,250 | 6,434 |
| Average earning assets | $50,355,000 | 6,426 |
| Average equity | $4,566,000 | 6,887 |
| Average total loans | $40,801,250 | 5,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 5,562 |
| Cost of funding earning assets | 0.9037% | 6,567 |
| Net interest margin | 3.9594% | 3,207 |
| Noninterest income to average assets | 0.1849% | 6,581 |
| Noninterest expense to average assets | 2.8871% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8529% | 2,718 |
| Return on assets (ROA) | 0.8529% | 2,871 |
| Pretax return on assets | 0.8529% | 3,693 |
| Return on Equity (ROE) | 10.0833% | 2,081 |
| Retained earnings to average equity (ytd only) | 6.9601% | 1,850 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1948% | 2,860 |
| Assets per employee ($millions) | 4.3083% | 3,196 |
| Cash dividends to net income (ytd only)* | 30.9735% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 79.0226% | 950 |
| Net loans and leases to deposits | 101.0272% | 649 |
| Net loans and leases to core deposits | 102.7916% | 1,756 |
| Total domestic deposits to total assets | 78.2192% | 6,217 |
| Equity capital to assets | 8.1292% | 6,623 |
| Core capital (leverage) ratio | 8.4223% | 5,539 |
| Tier 1 risk-based capital ratio | 9.2085% | 7,372 |
| Total risk-based capital ratio | 10.3630% | 7,396 |
| Memoranda: | ||
| Average total assets | $52,995,000 | 6,550 |
| Average earning assets | $47,582,670 | 6,566 |
| Average equity | $4,482,670 | 6,944 |
| Average total loans | $38,321,000 | 6,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 6,210 |
| Cost of funding earning assets | 0.8130% | 7,049 |
| Net interest margin | 3.8973% | 3,341 |
| Noninterest income to average assets | 0.2098% | 6,460 |
| Noninterest expense to average assets | 2.9910% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6448% | 3,692 |
| Return on assets (ROA) | 0.6448% | 3,808 |
| Pretax return on assets | 0.6448% | 4,436 |
| Return on Equity (ROE) | 7.4649% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.4649% | 1,941 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2650% | 2,243 |
| Assets per employee ($millions) | 4.0833% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.9175% | 3,867 |
| Net loans and leases to deposits | 75.6660% | 4,465 |
| Net loans and leases to core deposits | 76.9134% | 5,147 |
| Total domestic deposits to total assets | 87.1164% | 2,572 |
| Equity capital to assets | 8.4829% | 6,025 |
| Core capital (leverage) ratio | 8.8997% | 4,728 |
| Tier 1 risk-based capital ratio | 10.8213% | 6,326 |
| Total risk-based capital ratio | 12.0726% | 6,305 |
| Memoranda: | ||
| Average total assets | $51,488,500 | 6,679 |
| Average earning assets | $45,262,500 | 6,734 |
| Average equity | $4,447,500 | 7,019 |
| Average total loans | $35,078,000 | 6,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 6,590 |
| Cost of funding earning assets | 0.6979% | 7,686 |
| Net interest margin | 4.2492% | 1,898 |
| Noninterest income to average assets | 0.1810% | 6,795 |
| Noninterest expense to average assets | 3.1218% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8557% | 2,327 |
| Return on assets (ROA) | 0.9678% | 2,008 |
| Pretax return on assets | 0.9678% | 2,696 |
| Return on Equity (ROE) | 11.2201% | 1,374 |
| Retained earnings to average equity (ytd only) | 1.9384% | 3,739 |
| Net charge-offs to loans | 0.0059% | 7,159 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 217.5000% | 130 |
| Efficiency ratio | 78.4866% | 3,121 |
| Assets per employee ($millions) | 3.8380% | 4,186 |
| Cash dividends to net income (ytd only)* | 82.7236% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 3,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.2828% | 3,639 |
| Net loans and leases to deposits | 75.0105% | 4,871 |
| Net loans and leases to core deposits | 87.7773% | 5,349 |
| Total domestic deposits to total assets | 91.0310% | 526 |
| Equity capital to assets | 8.8027% | 5,434 |
| Core capital (leverage) ratio | 8.5087% | 5,269 |
| Tier 1 risk-based capital ratio | 10.8990% | 6,010 |
| Total risk-based capital ratio | 12.1508% | 5,989 |
| Memoranda: | ||
| Average total assets | $50,836,600 | 6,673 |
| Average earning assets | $45,420,000 | 6,703 |
| Average equity | $4,385,000 | 7,147 |
| Average total loans | $33,679,600 | 6,417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 6,745 |
| Cost of funding earning assets | 0.7140% | 7,797 |
| Net interest margin | 4.2431% | 1,893 |
| Noninterest income to average assets | 0.1853% | 6,894 |
| Noninterest expense to average assets | 2.9709% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0312% | 1,961 |
| Return on assets (ROA) | 1.1800% | 1,568 |
| Pretax return on assets | 1.1800% | 2,327 |
| Return on Equity (ROE) | 13.7489% | 971 |
| Retained earnings to average equity (ytd only) | 10.5552% | 542 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2335% | 3,830 |
| Assets per employee ($millions) | 3.7652% | 4,272 |
| Cash dividends to net income (ytd only)* | 23.2307% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.9896% | 3,270 |
| Net loans and leases to deposits | 78.4539% | 4,671 |
| Net loans and leases to core deposits | 90.7946% | 5,365 |
| Total domestic deposits to total assets | 90.4858% | 595 |
| Equity capital to assets | 9.3487% | 4,960 |
| Core capital (leverage) ratio | 9.1063% | 4,483 |
| Tier 1 risk-based capital ratio | 11.6004% | 5,338 |
| Total risk-based capital ratio | 12.8521% | 5,276 |
| Memoranda: | ||
| Average total assets | $51,072,250 | 6,719 |
| Average earning assets | $45,940,000 | 6,741 |
| Average equity | $4,383,250 | 7,222 |
| Average total loans | $33,445,250 | 6,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 6,612 |
| Cost of funding earning assets | 0.7376% | 7,890 |
| Net interest margin | 4.3139% | 1,618 |
| Noninterest income to average assets | 0.1777% | 7,024 |
| Noninterest expense to average assets | 2.9316% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1317% | 1,658 |
| Return on assets (ROA) | 1.3557% | 1,183 |
| Pretax return on assets | 1.3557% | 1,848 |
| Return on Equity (ROE) | 16.2538% | 664 |
| Retained earnings to average equity (ytd only) | 13.0123% | 331 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1483% | 4,383 |
| Assets per employee ($millions) | 3.3708% | 5,133 |
| Cash dividends to net income (ytd only)* | 19.9430% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 2,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.9141% | 3,245 |
| Net loans and leases to deposits | 81.5362% | 4,294 |
| Net loans and leases to core deposits | 98.9561% | 4,604 |
| Total domestic deposits to total assets | 88.1990% | 1,668 |
| Equity capital to assets | 9.4128% | 4,728 |
| Core capital (leverage) ratio | 8.9268% | 4,744 |
| Tier 1 risk-based capital ratio | 11.7526% | 5,145 |
| Total risk-based capital ratio | 13.0049% | 5,065 |
| Memoranda: | ||
| Average total assets | $51,780,330 | 6,758 |
| Average earning assets | $46,640,000 | 6,766 |
| Average equity | $4,319,000 | 7,305 |
| Average total loans | $32,827,670 | 6,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 7,854 |
| Cost of funding earning assets | 0.7576% | 7,952 |
| Net interest margin | 3.5301% | 4,613 |
| Noninterest income to average assets | 0.1923% | 6,921 |
| Noninterest expense to average assets | 2.6852% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6436% | 3,823 |
| Return on assets (ROA) | 0.6436% | 4,006 |
| Pretax return on assets | 0.6436% | 4,611 |
| Return on Equity (ROE) | 8.1738% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.1738% | 1,745 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6667% | 2,714 |
| Assets per employee ($millions) | 3.9449% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 2,145 |
| Loan loss allowance to noncurrent loans | 639.5349% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 7,050 |
| Noncurrent loans to loans | 0.2661% | 6,771 |
| Net loans and leases to total assets | 61.9569% | 5,337 |
| Net loans and leases to deposits | 69.2969% | 6,048 |
| Net loans and leases to core deposits | 82.6501% | 6,182 |
| Total domestic deposits to total assets | 89.4080% | 1,051 |
| Equity capital to assets | 8.3847% | 6,263 |
| Core capital (leverage) ratio | 8.0103% | 6,431 |
| Tier 1 risk-based capital ratio | 11.5298% | 5,383 |
| Total risk-based capital ratio | 12.7824% | 5,271 |
| Memoranda: | ||
| Average total assets | $54,075,000 | 6,703 |
| Average earning assets | $48,044,500 | 6,747 |
| Average equity | $4,257,500 | 7,363 |
| Average total loans | $31,998,000 | 6,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 7,765 |
| Cost of funding earning assets | 1.5284% | 7,564 |
| Net interest margin | 3.5800% | 4,976 |
| Noninterest income to average assets | 0.1615% | 7,266 |
| Noninterest expense to average assets | 2.5948% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8009% | 3,433 |
| Return on assets (ROA) | 0.8128% | 3,219 |
| Pretax return on assets | 0.8128% | 4,021 |
| Return on Equity (ROE) | 11.6785% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.7608% | 3,466 |
| Net charge-offs to loans | -0.0058% | 7,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4146% | 3,165 |
| Assets per employee ($millions) | 4.0619% | 3,387 |
| Cash dividends to net income (ytd only)* | 76.3598% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,803 |
| Loan loss allowance to noncurrent loans | 597.8261% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 6,922 |
| Noncurrent loans to loans | 0.2905% | 6,508 |
| Net loans and leases to total assets | 54.7287% | 6,578 |
| Net loans and leases to deposits | 59.2315% | 7,140 |
| Net loans and leases to core deposits | 69.5992% | 7,212 |
| Total domestic deposits to total assets | 92.3979% | 91 |
| Equity capital to assets | 7.4122% | 7,456 |
| Core capital (leverage) ratio | 7.0746% | 7,639 |
| Tier 1 risk-based capital ratio | 11.0292% | 5,700 |
| Total risk-based capital ratio | 12.2820% | 5,594 |
| Memoranda: | ||
| Average total assets | $58,809,600 | 6,421 |
| Average earning assets | $53,128,800 | 6,461 |
| Average equity | $4,093,000 | 7,477 |
| Average total loans | $34,614,000 | 6,451 |