Home > First State Bank of Okabena (Incorporated) > Performance and Condition Ratios
First State Bank of Okabena (Incorporated), 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 | 2.7549% | 5,735 |
| Cost of funding earning assets | 0.2512% | 4,592 |
| Net interest margin | 2.5037% | 5,654 |
| Noninterest income to average assets | 0.1434% | 5,542 |
| Noninterest expense to average assets | 2.4159% | 4,238 |
| Loan and lease loss provision to assets | 0.0144% | 3,964 |
| Net operating income to assets | 0.0000% | 5,718 |
| Return on assets (ROA) | 0.0000% | 5,740 |
| Pretax return on assets | 0.0000% | 5,732 |
| Return on Equity (ROE) | 0.0000% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | -0.0226% | 5,052 |
| Credit loss provision to net charge-offs | -200.0000% | 4,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4100% | 236 |
| Assets per employee ($millions) | 3.6948% | 4,488 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1923% | 149 |
| Loan loss allowance to noncurrent loans | 45.5243% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 717 |
| Noncurrent loans to loans | 7.0122% | 82 |
| Net loans and leases to total assets | 29.2194% | 5,728 |
| Net loans and leases to deposits | 33.0658% | 5,773 |
| Net loans and leases to core deposits | 33.7480% | 5,784 |
| Total domestic deposits to total assets | 88.3674% | 1,200 |
| Equity capital to assets | 11.6109% | 2,425 |
| Core capital (leverage) ratio | 9.5546% | 4,107 |
| Tier 1 risk-based capital ratio | 24.0220% | 902 |
| Total risk-based capital ratio | 25.3072% | 877 |
| Memoranda: | ||
| Average total assets | $18,598,500 | 5,916 |
| Average earning assets | $16,987,750 | 5,902 |
| Average equity | $2,136,000 | 5,899 |
| Average total loans | $5,894,250 | 5,912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7834% | 5,807 |
| Cost of funding earning assets | 0.2584% | 4,565 |
| Net interest margin | 2.5250% | 5,728 |
| Noninterest income to average assets | 0.1395% | 5,616 |
| Noninterest expense to average assets | 2.3605% | 4,453 |
| Loan and lease loss provision to assets | 0.0215% | 3,698 |
| Net operating income to assets | 0.0644% | 5,708 |
| Return on assets (ROA) | 0.0644% | 5,743 |
| Pretax return on assets | 0.0644% | 5,749 |
| Return on Equity (ROE) | 0.5626% | 5,746 |
| Retained earnings to average equity (ytd only) | 0.5626% | 5,140 |
| Net charge-offs to loans | -0.0333% | 5,177 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4912% | 330 |
| Assets per employee ($millions) | 3.7674% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9856% | 198 |
| Loan loss allowance to noncurrent loans | 45.6410% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.0704% | 771 |
| Noncurrent loans to loans | 6.5414% | 105 |
| Net loans and leases to total assets | 30.7055% | 5,768 |
| Net loans and leases to deposits | 34.6742% | 5,809 |
| Net loans and leases to core deposits | 35.3718% | 5,824 |
| Total domestic deposits to total assets | 88.5544% | 1,139 |
| Equity capital to assets | 11.4243% | 2,624 |
| Core capital (leverage) ratio | 9.6544% | 3,994 |
| Tier 1 risk-based capital ratio | 23.9646% | 906 |
| Total risk-based capital ratio | 25.2562% | 884 |
| Memoranda: | ||
| Average total assets | $18,640,000 | 5,993 |
| Average earning assets | $17,029,670 | 5,977 |
| Average equity | $2,133,000 | 5,972 |
| Average total loans | $6,000,330 | 5,987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8061% | 5,855 |
| Cost of funding earning assets | 0.2594% | 4,618 |
| Net interest margin | 2.5467% | 5,769 |
| Noninterest income to average assets | 0.1510% | 5,584 |
| Noninterest expense to average assets | 2.2652% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2157% | 5,497 |
| Return on assets (ROA) | 0.2157% | 5,559 |
| Pretax return on assets | 0.2157% | 5,623 |
| Return on Equity (ROE) | 1.8837% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.8837% | 4,505 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3043% | 590 |
| Assets per employee ($millions) | 3.7418% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9133% | 241 |
| Loan loss allowance to noncurrent loans | 44.1919% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.1166% | 799 |
| Noncurrent loans to loans | 6.5923% | 116 |
| Net loans and leases to total assets | 31.1722% | 5,797 |
| Net loans and leases to deposits | 35.2025% | 5,847 |
| Net loans and leases to core deposits | 35.9135% | 5,862 |
| Total domestic deposits to total assets | 88.5510% | 1,332 |
| Equity capital to assets | 11.4330% | 2,503 |
| Core capital (leverage) ratio | 9.7365% | 3,863 |
| Tier 1 risk-based capital ratio | 24.3228% | 887 |
| Total risk-based capital ratio | 25.6000% | 868 |
| Memoranda: | ||
| Average total assets | $18,541,500 | 6,054 |
| Average earning assets | $16,963,000 | 6,039 |
| Average equity | $2,123,500 | 6,030 |
| Average total loans | $6,019,500 | 6,049 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1130% | 5,622 |
| Cost of funding earning assets | 0.3078% | 4,170 |
| Net interest margin | 2.8053% | 5,501 |
| Noninterest income to average assets | 0.2110% | 5,330 |
| Noninterest expense to average assets | 2.6400% | 3,783 |
| Loan and lease loss provision to assets | 0.1352% | 1,761 |
| Net operating income to assets | 0.0270% | 5,846 |
| Return on assets (ROA) | 0.0379% | 5,865 |
| Pretax return on assets | 0.0108% | 5,882 |
| Return on Equity (ROE) | 0.2954% | 5,863 |
| Retained earnings to average equity (ytd only) | -12.3650% | 6,066 |
| Net charge-offs to loans | -0.3820% | 6,051 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1267% | 437 |
| Assets per employee ($millions) | 3.6748% | 4,520 |
| Cash dividends to net income (ytd only)* | 4,285.7143% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9012% | 253 |
| Loan loss allowance to noncurrent loans | 41.8660% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2750% | 726 |
| Noncurrent loans to loans | 6.9297% | 107 |
| Net loans and leases to total assets | 31.8766% | 5,842 |
| Net loans and leases to deposits | 36.0165% | 5,889 |
| Net loans and leases to core deposits | 36.7556% | 5,905 |
| Total domestic deposits to total assets | 88.5055% | 1,381 |
| Equity capital to assets | 11.4727% | 2,382 |
| Core capital (leverage) ratio | 9.6520% | 3,974 |
| Tier 1 risk-based capital ratio | 24.0249% | 925 |
| Total risk-based capital ratio | 25.3250% | 902 |
| Memoranda: | ||
| Average total assets | $18,484,800 | 6,111 |
| Average earning assets | $16,896,800 | 6,098 |
| Average equity | $2,369,600 | 6,064 |
| Average total loans | $6,544,200 | 6,095 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 5,702 |
| Cost of funding earning assets | 0.3224% | 4,075 |
| Net interest margin | 2.7838% | 5,611 |
| Noninterest income to average assets | 0.2377% | 5,231 |
| Noninterest expense to average assets | 2.3767% | 4,576 |
| Loan and lease loss provision to assets | 0.1800% | 1,159 |
| Net operating income to assets | 0.1558% | 5,761 |
| Return on assets (ROA) | 0.1657% | 5,800 |
| Pretax return on assets | 0.2449% | 5,729 |
| Return on Equity (ROE) | 1.2595% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.2595% | 5,215 |
| Net charge-offs to loans | -0.4995% | 6,150 |
| Credit loss provision to net charge-offs | -100.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2713% | 1,060 |
| Assets per employee ($millions) | 3.6002% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 428 |
| Loan loss allowance to noncurrent loans | 625.0000% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 5,140 |
| Noncurrent loans to loans | 0.4018% | 4,175 |
| Net loans and leases to total assets | 37.7368% | 5,719 |
| Net loans and leases to deposits | 43.6877% | 5,734 |
| Net loans and leases to core deposits | 45.3987% | 5,754 |
| Total domestic deposits to total assets | 86.3785% | 2,343 |
| Equity capital to assets | 13.5937% | 1,184 |
| Core capital (leverage) ratio | 11.4459% | 2,080 |
| Tier 1 risk-based capital ratio | 26.5084% | 728 |
| Total risk-based capital ratio | 27.8069% | 704 |
| Memoranda: | ||
| Average total assets | $18,512,500 | 6,197 |
| Average earning assets | $16,954,750 | 6,182 |
| Average equity | $2,435,000 | 6,142 |
| Average total loans | $6,672,250 | 6,174 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 5,748 |
| Cost of funding earning assets | 0.3156% | 4,212 |
| Net interest margin | 2.7816% | 5,657 |
| Noninterest income to average assets | 0.2997% | 4,811 |
| Noninterest expense to average assets | 2.3658% | 4,676 |
| Loan and lease loss provision to assets | 0.2676% | 620 |
| Net operating income to assets | 0.2141% | 5,662 |
| Return on assets (ROA) | 0.2355% | 5,689 |
| Pretax return on assets | 0.2355% | 5,767 |
| Return on Equity (ROE) | 1.8100% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.8100% | 4,792 |
| Net charge-offs to loans | -0.7606% | 6,245 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0827% | 1,356 |
| Assets per employee ($millions) | 3.7898% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6116% | 425 |
| Loan loss allowance to noncurrent loans | 8,750.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,854 |
| Noncurrent loans to loans | 0.0298% | 5,637 |
| Net loans and leases to total assets | 34.4398% | 5,888 |
| Net loans and leases to deposits | 39.5108% | 5,919 |
| Net loans and leases to core deposits | 40.9590% | 5,930 |
| Total domestic deposits to total assets | 87.1655% | 2,072 |
| Equity capital to assets | 12.8133% | 1,484 |
| Core capital (leverage) ratio | 11.1706% | 2,268 |
| Tier 1 risk-based capital ratio | 26.1302% | 769 |
| Total risk-based capital ratio | 27.4219% | 753 |
| Memoranda: | ||
| Average total assets | $18,683,000 | 6,272 |
| Average earning assets | $17,112,670 | 6,254 |
| Average equity | $2,431,000 | 6,212 |
| Average total loans | $6,573,670 | 6,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8691% | 6,015 |
| Cost of funding earning assets | 0.3292% | 4,107 |
| Net interest margin | 2.5398% | 5,975 |
| Noninterest income to average assets | 0.5175% | 3,168 |
| Noninterest expense to average assets | 2.5013% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3450% | 5,263 |
| Return on assets (ROA) | 0.3881% | 5,233 |
| Pretax return on assets | 0.3881% | 5,453 |
| Return on Equity (ROE) | 2.9599% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.9599% | 4,197 |
| Net charge-offs to loans | -1.5361% | 6,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 1,025 |
| Assets per employee ($millions) | 3.7970% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3063% | 699 |
| 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 | 33.4685% | 5,941 |
| Net loans and leases to deposits | 38.4322% | 5,971 |
| Net loans and leases to core deposits | 39.8370% | 5,981 |
| Total domestic deposits to total assets | 87.0845% | 2,324 |
| Equity capital to assets | 12.8891% | 1,455 |
| Core capital (leverage) ratio | 11.2048% | 2,228 |
| Tier 1 risk-based capital ratio | 28.4848% | 623 |
| Total risk-based capital ratio | 29.7404% | 611 |
| Memoranda: | ||
| Average total assets | $18,550,000 | 6,340 |
| Average earning assets | $17,009,000 | 6,323 |
| Average equity | $2,432,500 | 6,276 |
| Average total loans | $6,510,000 | 6,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,837 |
| Cost of funding earning assets | 0.3876% | 3,824 |
| Net interest margin | 2.8131% | 5,784 |
| Noninterest income to average assets | 0.1678% | 5,852 |
| Noninterest expense to average assets | 2.4581% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4927% | 4,838 |
| Return on assets (ROA) | 0.5144% | 4,837 |
| Pretax return on assets | 0.3249% | 5,657 |
| Return on Equity (ROE) | 2.9870% | 5,482 |
| Retained earnings to average equity (ytd only) | -32.2287% | 6,463 |
| Net charge-offs to loans | -0.0460% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0196% | 915 |
| Assets per employee ($millions) | 3.6230% | 4,680 |
| Cash dividends to net income (ytd only)* | 1,178.9474% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 1,273 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,068 |
| Noncurrent loans to loans | 0.0153% | 5,844 |
| Net loans and leases to total assets | 35.2802% | 5,983 |
| Net loans and leases to deposits | 40.7278% | 6,011 |
| Net loans and leases to core deposits | 42.2965% | 6,023 |
| Total domestic deposits to total assets | 86.6243% | 2,494 |
| Equity capital to assets | 13.3481% | 1,213 |
| Core capital (leverage) ratio | 11.6921% | 1,833 |
| Tier 1 risk-based capital ratio | 26.6925% | 706 |
| Total risk-based capital ratio | 27.9477% | 689 |
| Memoranda: | ||
| Average total assets | $18,469,600 | 6,429 |
| Average earning assets | $17,027,200 | 6,409 |
| Average equity | $3,180,400 | 6,235 |
| Average total loans | $6,517,200 | 6,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 6,042 |
| Cost of funding earning assets | 0.3971% | 3,820 |
| Net interest margin | 2.6941% | 6,010 |
| Noninterest income to average assets | 0.1580% | 5,962 |
| Noninterest expense to average assets | 2.2990% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3449% | 5,445 |
| Return on assets (ROA) | 0.3449% | 5,515 |
| Pretax return on assets | 0.3449% | 5,687 |
| Return on Equity (ROE) | 1.8985% | 5,864 |
| Retained earnings to average equity (ytd only) | -2.8478% | 6,131 |
| Net charge-offs to loans | -0.0818% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 1,098 |
| Assets per employee ($millions) | 4.5518% | 2,879 |
| Cash dividends to net income (ytd only)* | 250.0000% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 1,530 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,957 |
| Noncurrent loans to loans | 0.1335% | 5,523 |
| Net loans and leases to total assets | 36.3377% | 6,020 |
| Net loans and leases to deposits | 44.5942% | 5,939 |
| Net loans and leases to core deposits | 46.4085% | 5,944 |
| Total domestic deposits to total assets | 81.4851% | 4,669 |
| Equity capital to assets | 18.4874% | 304 |
| Core capital (leverage) ratio | 16.6351% | 408 |
| Tier 1 risk-based capital ratio | 37.3282% | 290 |
| Total risk-based capital ratio | 38.5779% | 287 |
| Memoranda: | ||
| Average total assets | $18,558,250 | 6,508 |
| Average earning assets | $17,123,500 | 6,487 |
| Average equity | $3,371,000 | 6,273 |
| Average total loans | $6,517,500 | 6,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 6,075 |
| Cost of funding earning assets | 0.4060% | 3,811 |
| Net interest margin | 2.6795% | 6,069 |
| Noninterest income to average assets | 0.1713% | 5,925 |
| Noninterest expense to average assets | 2.2811% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3641% | 5,356 |
| Return on assets (ROA) | 0.3641% | 5,423 |
| Pretax return on assets | 0.3641% | 5,649 |
| Return on Equity (ROE) | 2.0162% | 5,834 |
| Retained earnings to average equity (ytd only) | -5.0998% | 6,243 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2348% | 1,254 |
| Assets per employee ($millions) | 3.7914% | 4,273 |
| Cash dividends to net income (ytd only)* | 352.9412% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 1,639 |
| Loan loss allowance to noncurrent loans | 1,016.6667% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 5,986 |
| Noncurrent loans to loans | 0.1844% | 5,460 |
| Net loans and leases to total assets | 33.6815% | 6,168 |
| Net loans and leases to deposits | 40.9557% | 6,111 |
| Net loans and leases to core deposits | 42.5298% | 6,132 |
| Total domestic deposits to total assets | 82.2388% | 4,574 |
| Equity capital to assets | 17.7349% | 345 |
| Core capital (leverage) ratio | 16.3873% | 423 |
| Tier 1 risk-based capital ratio | 38.1662% | 277 |
| Total risk-based capital ratio | 39.4247% | 274 |
| Memoranda: | ||
| Average total assets | $18,675,330 | 6,574 |
| Average earning assets | $17,242,330 | 6,550 |
| Average equity | $3,372,670 | 6,320 |
| Average total loans | $6,442,670 | 6,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1525% | 6,062 |
| Cost of funding earning assets | 0.4437% | 3,495 |
| Net interest margin | 2.7088% | 6,100 |
| Noninterest income to average assets | 0.1727% | 5,935 |
| Noninterest expense to average assets | 2.1797% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4964% | 4,711 |
| Return on assets (ROA) | 0.4964% | 4,790 |
| Pretax return on assets | 0.4964% | 5,182 |
| Return on Equity (ROE) | 2.7235% | 5,553 |
| Retained earnings to average equity (ytd only) | -11.4861% | 6,404 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4516% | 1,997 |
| Assets per employee ($millions) | 3.8012% | 4,325 |
| Cash dividends to net income (ytd only)* | 521.7391% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 1,634 |
| 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 | 32.3687% | 6,249 |
| Net loans and leases to deposits | 39.2672% | 6,194 |
| Net loans and leases to core deposits | 40.7606% | 6,209 |
| Total domestic deposits to total assets | 82.4319% | 4,805 |
| Equity capital to assets | 17.5366% | 347 |
| Core capital (leverage) ratio | 16.0479% | 472 |
| Tier 1 risk-based capital ratio | 36.3670% | 307 |
| Total risk-based capital ratio | 37.6197% | 302 |
| Memoranda: | ||
| Average total assets | $18,534,500 | 6,649 |
| Average earning assets | $17,129,500 | 6,621 |
| Average equity | $3,378,000 | 6,371 |
| Average total loans | $6,410,500 | 6,616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 6,230 |
| Cost of funding earning assets | 0.5107% | 3,490 |
| Net interest margin | 2.5991% | 6,264 |
| Noninterest income to average assets | -0.1828% | 6,752 |
| Noninterest expense to average assets | 2.3606% | 5,201 |
| Loan and lease loss provision to assets | -0.7834% | 6,786 |
| Net operating income to assets | 0.5677% | 4,422 |
| Return on assets (ROA) | 0.6946% | 3,912 |
| Pretax return on assets | 0.7729% | 4,254 |
| Return on Equity (ROE) | 3.9356% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,406 |
| Net charge-offs to loans | -0.0291% | 6,221 |
| Credit loss provision to net charge-offs | 7,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8558% | 322 |
| Assets per employee ($millions) | 3.6126% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 1,876 |
| Loan loss allowance to noncurrent loans | 1,742.8571% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 6,261 |
| Noncurrent loans to loans | 0.1069% | 5,887 |
| Net loans and leases to total assets | 35.5699% | 6,223 |
| Net loans and leases to deposits | 43.9076% | 6,128 |
| Net loans and leases to core deposits | 46.0178% | 6,135 |
| Total domestic deposits to total assets | 81.0109% | 5,176 |
| Equity capital to assets | 18.9503% | 268 |
| Core capital (leverage) ratio | 17.3111% | 345 |
| Tier 1 risk-based capital ratio | 37.8512% | 264 |
| Total risk-based capital ratio | 39.1014% | 261 |
| Memoranda: | ||
| Average total assets | $19,148,000 | 6,715 |
| Average earning assets | $17,621,400 | 6,691 |
| Average equity | $3,379,400 | 6,457 |
| Average total loans | $6,874,600 | 6,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0996% | 6,321 |
| Cost of funding earning assets | 0.5228% | 3,540 |
| Net interest margin | 2.5768% | 6,341 |
| Noninterest income to average assets | -0.3090% | 6,853 |
| Noninterest expense to average assets | 2.2177% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1579% | 6,437 |
| Return on assets (ROA) | 0.0206% | 6,325 |
| Pretax return on assets | 0.0206% | 6,302 |
| Return on Equity (ROE) | 0.1187% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.1187% | 5,903 |
| Net charge-offs to loans | -0.0384% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6667% | 301 |
| Assets per employee ($millions) | 3.7214% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1001% | 217 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,383 |
| Noncurrent loans to loans | 0.0904% | 6,061 |
| Net loans and leases to total assets | 34.1914% | 6,352 |
| Net loans and leases to deposits | 41.6252% | 6,332 |
| Net loans and leases to core deposits | 43.5276% | 6,323 |
| Total domestic deposits to total assets | 82.1411% | 4,873 |
| Equity capital to assets | 17.8159% | 339 |
| Core capital (leverage) ratio | 15.6232% | 552 |
| Tier 1 risk-based capital ratio | 36.3228% | 305 |
| Total risk-based capital ratio | 37.5951% | 297 |
| Memoranda: | ||
| Average total assets | $19,419,250 | 6,786 |
| Average earning assets | $17,851,250 | 6,758 |
| Average equity | $3,368,500 | 6,536 |
| Average total loans | $6,956,500 | 6,759 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1727% | 6,261 |
| Cost of funding earning assets | 0.5436% | 3,479 |
| Net interest margin | 2.6291% | 6,299 |
| Noninterest income to average assets | 0.1930% | 6,053 |
| Noninterest expense to average assets | 2.1737% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4266% | 5,121 |
| Return on assets (ROA) | 0.6907% | 4,020 |
| Pretax return on assets | 0.6907% | 4,709 |
| Return on Equity (ROE) | 4.0161% | 5,209 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,738 |
| Net charge-offs to loans | -0.0283% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5938% | 1,680 |
| Assets per employee ($millions) | 3.8744% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0819% | 242 |
| Loan loss allowance to noncurrent loans | 3,871.4286% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 4,721 |
| Noncurrent loans to loans | 0.1054% | 6,079 |
| Net loans and leases to total assets | 32.8722% | 6,465 |
| Net loans and leases to deposits | 39.8050% | 6,411 |
| Net loans and leases to core deposits | 41.5313% | 6,423 |
| Total domestic deposits to total assets | 82.5831% | 4,860 |
| Equity capital to assets | 17.3653% | 383 |
| Core capital (leverage) ratio | 15.8549% | 482 |
| Tier 1 risk-based capital ratio | 38.2300% | 267 |
| Total risk-based capital ratio | 39.5180% | 258 |
| Memoranda: | ||
| Average total assets | $19,690,000 | 6,831 |
| Average earning assets | $18,029,000 | 6,807 |
| Average equity | $3,386,330 | 6,582 |
| Average total loans | $7,064,000 | 6,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2288% | 6,266 |
| Cost of funding earning assets | 0.5491% | 3,575 |
| Net interest margin | 2.6797% | 6,250 |
| Noninterest income to average assets | 0.1814% | 6,179 |
| Noninterest expense to average assets | 2.0152% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6247% | 4,103 |
| Return on assets (ROA) | 1.1487% | 1,785 |
| Pretax return on assets | 1.1487% | 2,769 |
| Return on Equity (ROE) | 6.7108% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.7108% | 2,309 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3359% | 2,873 |
| Assets per employee ($millions) | 3.3738% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7453% | 342 |
| Loan loss allowance to noncurrent loans | 6,750.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 4,972 |
| Noncurrent loans to loans | 0.0555% | 6,308 |
| Net loans and leases to total assets | 34.2785% | 6,403 |
| Net loans and leases to deposits | 41.2692% | 6,361 |
| Net loans and leases to core deposits | 42.9633% | 6,368 |
| Total domestic deposits to total assets | 83.0608% | 4,839 |
| Equity capital to assets | 16.8898% | 436 |
| Core capital (leverage) ratio | 14.8613% | 611 |
| Tier 1 risk-based capital ratio | 34.9947% | 346 |
| Total risk-based capital ratio | 36.3199% | 338 |
| Memoranda: | ||
| Average total assets | $19,849,000 | 6,903 |
| Average earning assets | $18,211,000 | 6,874 |
| Average equity | $3,397,500 | 6,643 |
| Average total loans | $7,276,500 | 6,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 6,182 |
| Cost of funding earning assets | 0.7131% | 3,381 |
| Net interest margin | 2.9108% | 6,205 |
| Noninterest income to average assets | 0.1961% | 6,014 |
| Noninterest expense to average assets | 2.4908% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2565% | 5,613 |
| Return on assets (ROA) | -0.1166% | 6,394 |
| Pretax return on assets | -0.2385% | 6,443 |
| Return on Equity (ROE) | -0.6433% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.6433% | 5,960 |
| Net charge-offs to loans | -0.6003% | 7,015 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8505% | 1,255 |
| Assets per employee ($millions) | 3.2425% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6765% | 368 |
| Loan loss allowance to noncurrent loans | 6,750.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,001 |
| Noncurrent loans to loans | 0.0545% | 6,357 |
| Net loans and leases to total assets | 36.3608% | 6,405 |
| Net loans and leases to deposits | 44.0254% | 6,366 |
| Net loans and leases to core deposits | 45.9112% | 6,378 |
| Total domestic deposits to total assets | 82.5906% | 4,894 |
| Equity capital to assets | 17.3529% | 378 |
| Core capital (leverage) ratio | 16.3861% | 406 |
| Tier 1 risk-based capital ratio | 35.7758% | 324 |
| Total risk-based capital ratio | 37.1650% | 313 |
| Memoranda: | ||
| Average total assets | $18,869,800 | 6,973 |
| Average earning assets | $17,108,800 | 6,954 |
| Average equity | $3,419,800 | 6,702 |
| Average total loans | $7,496,600 | 6,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 6,299 |
| Cost of funding earning assets | 0.7555% | 3,302 |
| Net interest margin | 2.9038% | 6,353 |
| Noninterest income to average assets | 0.2136% | 6,012 |
| Noninterest expense to average assets | 2.4781% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3484% | 5,438 |
| Return on assets (ROA) | 0.1638% | 6,149 |
| Pretax return on assets | 0.1709% | 6,169 |
| Return on Equity (ROE) | 0.8940% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.8940% | 5,811 |
| Net charge-offs to loans | -0.0177% | 6,475 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2180% | 1,282 |
| Assets per employee ($millions) | 3.1158% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9335% | 776 |
| Loan loss allowance to noncurrent loans | 1,506.6667% | 319 |
| Noncurrent assets plus other real estate owned to assets | 2.3108% | 2,301 |
| Noncurrent loans to loans | 0.1947% | 6,124 |
| Net loans and leases to total assets | 40.0000% | 6,284 |
| Net loans and leases to deposits | 49.0908% | 6,186 |
| Net loans and leases to core deposits | 51.3070% | 6,224 |
| Total domestic deposits to total assets | 81.4817% | 5,194 |
| Equity capital to assets | 18.4381% | 332 |
| Core capital (leverage) ratio | 16.7350% | 399 |
| Tier 1 risk-based capital ratio | 33.3669% | 401 |
| Total risk-based capital ratio | 34.6770% | 394 |
| Memoranda: | ||
| Average total assets | $18,723,500 | 7,070 |
| Average earning assets | $16,943,250 | 7,054 |
| Average equity | $3,430,750 | 6,788 |
| Average total loans | $7,534,750 | 7,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 6,401 |
| Cost of funding earning assets | 0.7626% | 3,494 |
| Net interest margin | 2.8977% | 6,432 |
| Noninterest income to average assets | 0.1922% | 6,180 |
| Noninterest expense to average assets | 2.4983% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3203% | 5,543 |
| Return on assets (ROA) | 0.3203% | 5,747 |
| Pretax return on assets | 0.3310% | 5,892 |
| Return on Equity (ROE) | 1.7517% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.7517% | 5,320 |
| Net charge-offs to loans | -0.0267% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3019% | 1,209 |
| Assets per employee ($millions) | 3.1842% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0137% | 771 |
| Loan loss allowance to noncurrent loans | 11,300.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 2.3345% | 2,393 |
| Noncurrent loans to loans | 0.0267% | 6,626 |
| Net loans and leases to total assets | 38.0686% | 6,474 |
| Net loans and leases to deposits | 46.4728% | 6,405 |
| Net loans and leases to core deposits | 48.5028% | 6,429 |
| Total domestic deposits to total assets | 81.9157% | 5,164 |
| Equity capital to assets | 18.0058% | 342 |
| Core capital (leverage) ratio | 16.3975% | 422 |
| Tier 1 risk-based capital ratio | 33.8627% | 377 |
| Total risk-based capital ratio | 35.1220% | 374 |
| Memoranda: | ||
| Average total assets | $18,733,000 | 7,129 |
| Average earning assets | $17,048,000 | 7,112 |
| Average equity | $3,425,330 | 6,828 |
| Average total loans | $7,478,330 | 7,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 6,441 |
| Cost of funding earning assets | 0.7826% | 3,606 |
| Net interest margin | 2.9171% | 6,462 |
| Noninterest income to average assets | 0.1725% | 6,342 |
| Noninterest expense to average assets | 2.4371% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3882% | 5,306 |
| Return on assets (ROA) | 0.3882% | 5,488 |
| Pretax return on assets | 0.3882% | 5,753 |
| Return on Equity (ROE) | 2.1065% | 6,042 |
| Retained earnings to average equity (ytd only) | 2.1065% | 5,216 |
| Net charge-offs to loans | -0.0536% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2595% | 1,456 |
| Assets per employee ($millions) | 3.2078% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0992% | 763 |
| Loan loss allowance to noncurrent loans | 22,500.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 1.4080% | 3,757 |
| Noncurrent loans to loans | 0.0138% | 6,753 |
| Net loans and leases to total assets | 36.5512% | 6,589 |
| Net loans and leases to deposits | 44.5056% | 6,527 |
| Net loans and leases to core deposits | 47.1989% | 6,497 |
| Total domestic deposits to total assets | 82.1271% | 5,253 |
| Equity capital to assets | 17.7950% | 352 |
| Core capital (leverage) ratio | 16.1940% | 442 |
| Tier 1 risk-based capital ratio | 33.1661% | 389 |
| Total risk-based capital ratio | 34.4370% | 384 |
| Memoranda: | ||
| Average total assets | $18,547,000 | 7,192 |
| Average earning assets | $16,866,000 | 7,175 |
| Average equity | $3,418,000 | 6,870 |
| Average total loans | $7,468,000 | 7,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 5,586 |
| Cost of funding earning assets | 0.9620% | 3,626 |
| Net interest margin | 3.3942% | 5,499 |
| Noninterest income to average assets | -0.3911% | 7,234 |
| Noninterest expense to average assets | 2.7593% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0002% | 6,036 |
| Return on assets (ROA) | -0.0380% | 6,193 |
| Pretax return on assets | -0.1630% | 6,253 |
| Return on Equity (ROE) | -0.2055% | 6,182 |
| Retained earnings to average equity (ytd only) | -0.2055% | 5,885 |
| Net charge-offs to loans | 0.4752% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.4750% | 6,070 |
| Efficiency ratio | 103.8855% | 569 |
| Assets per employee ($millions) | 2.9745% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9312% | 871 |
| Loan loss allowance to noncurrent loans | 5,625.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 3,650 |
| Noncurrent loans to loans | 0.0521% | 6,691 |
| Net loans and leases to total assets | 41.7493% | 6,405 |
| Net loans and leases to deposits | 51.6749% | 6,242 |
| Net loans and leases to core deposits | 54.1143% | 6,296 |
| Total domestic deposits to total assets | 80.7923% | 5,513 |
| Equity capital to assets | 19.1125% | 275 |
| Core capital (leverage) ratio | 16.8894% | 373 |
| Tier 1 risk-based capital ratio | 32.7791% | 397 |
| Total risk-based capital ratio | 34.0428% | 393 |
| Memoranda: | ||
| Average total assets | $18,410,200 | 7,234 |
| Average earning assets | $16,528,200 | 7,223 |
| Average equity | $3,406,200 | 6,908 |
| Average total loans | $8,416,800 | 7,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 5,273 |
| Cost of funding earning assets | 0.9921% | 3,737 |
| Net interest margin | 3.5004% | 5,186 |
| Noninterest income to average assets | -0.2875% | 7,295 |
| Noninterest expense to average assets | 2.6952% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1365% | 5,870 |
| Return on assets (ROA) | 0.0575% | 6,163 |
| Pretax return on assets | 0.0575% | 6,149 |
| Return on Equity (ROE) | 0.3134% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.3134% | 5,856 |
| Net charge-offs to loans | 0.5270% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5588% | 5,213 |
| Efficiency ratio | 95.1777% | 857 |
| Assets per employee ($millions) | 2.9993% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6283% | 1,229 |
| Loan loss allowance to noncurrent loans | 444.2308% | 720 |
| Noncurrent assets plus other real estate owned to assets | 1.7559% | 3,463 |
| Noncurrent loans to loans | 0.5916% | 5,690 |
| Net loans and leases to total assets | 47.5550% | 6,007 |
| Net loans and leases to deposits | 58.8745% | 5,760 |
| Net loans and leases to core deposits | 61.6127% | 5,853 |
| Total domestic deposits to total assets | 80.7735% | 5,507 |
| Equity capital to assets | 19.1265% | 309 |
| Core capital (leverage) ratio | 19.0446% | 259 |
| Tier 1 risk-based capital ratio | 32.3420% | 443 |
| Total risk-based capital ratio | 33.5998% | 436 |
| Memoranda: | ||
| Average total assets | $18,551,000 | 7,308 |
| Average earning assets | $16,531,000 | 7,296 |
| Average equity | $3,405,000 | 6,965 |
| Average total loans | $8,602,000 | 7,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 5,263 |
| Cost of funding earning assets | 1.0268% | 3,765 |
| Net interest margin | 3.5033% | 5,153 |
| Noninterest income to average assets | -0.1708% | 7,327 |
| Noninterest expense to average assets | 2.7114% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2135% | 5,694 |
| Return on assets (ROA) | 0.0640% | 6,172 |
| Pretax return on assets | 0.0640% | 6,163 |
| Return on Equity (ROE) | 0.3537% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.3537% | 5,704 |
| Net charge-offs to loans | -0.2342% | 7,315 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7007% | 1,052 |
| Assets per employee ($millions) | 3.1695% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2304% | 740 |
| Loan loss allowance to noncurrent loans | 193.6620% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 2.7291% | 2,450 |
| Noncurrent loans to loans | 1.6680% | 3,922 |
| Net loans and leases to total assets | 43.3191% | 6,495 |
| Net loans and leases to deposits | 52.8925% | 6,404 |
| Net loans and leases to core deposits | 55.1701% | 6,484 |
| Total domestic deposits to total assets | 81.9004% | 5,201 |
| Equity capital to assets | 18.0049% | 380 |
| Core capital (leverage) ratio | 17.9432% | 333 |
| Tier 1 risk-based capital ratio | 32.3194% | 439 |
| Total risk-based capital ratio | 33.5868% | 431 |
| Memoranda: | ||
| Average total assets | $18,736,000 | 7,375 |
| Average earning assets | $16,555,670 | 7,362 |
| Average equity | $3,392,670 | 7,015 |
| Average total loans | $8,539,670 | 7,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 6,091 |
| Cost of funding earning assets | 1.0440% | 3,895 |
| Net interest margin | 3.2291% | 5,984 |
| Noninterest income to average assets | 0.2796% | 5,670 |
| Noninterest expense to average assets | 2.7964% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3442% | 5,201 |
| Return on assets (ROA) | 0.0430% | 6,287 |
| Pretax return on assets | 0.0430% | 6,278 |
| Return on Equity (ROE) | 0.2369% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.2369% | 5,719 |
| Net charge-offs to loans | -0.2806% | 7,329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0411% | 1,415 |
| Assets per employee ($millions) | 3.1790% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1113% | 828 |
| Loan loss allowance to noncurrent loans | 529.4118% | 615 |
| Noncurrent assets plus other real estate owned to assets | 2.4536% | 2,771 |
| Noncurrent loans to loans | 0.5877% | 5,854 |
| Net loans and leases to total assets | 44.0809% | 6,464 |
| Net loans and leases to deposits | 53.6156% | 6,332 |
| Net loans and leases to core deposits | 58.2151% | 6,236 |
| Total domestic deposits to total assets | 82.2166% | 5,219 |
| Equity capital to assets | 17.6785% | 388 |
| Core capital (leverage) ratio | 20.4697% | 205 |
| Tier 1 risk-based capital ratio | 30.4748% | 500 |
| Total risk-based capital ratio | 31.7722% | 492 |
| Memoranda: | ||
| Average total assets | $18,595,500 | 7,434 |
| Average earning assets | $16,475,000 | 7,419 |
| Average equity | $3,377,000 | 7,053 |
| Average total loans | $8,553,000 | 7,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 5,477 |
| Cost of funding earning assets | 1.2896% | 3,952 |
| Net interest margin | 3.4935% | 5,269 |
| Noninterest income to average assets | 0.3112% | 5,578 |
| Noninterest expense to average assets | 3.2946% | 2,755 |
| Loan and lease loss provision to assets | 0.1610% | 5,602 |
| Net operating income to assets | 0.0927% | 5,605 |
| Return on assets (ROA) | -0.4293% | 6,366 |
| Pretax return on assets | -0.8639% | 6,553 |
| Return on Equity (ROE) | -2.3454% | 6,213 |
| Retained earnings to average equity (ytd only) | -2.3454% | 6,021 |
| Net charge-offs to loans | 1.0520% | 2,098 |
| Credit loss provision to net charge-offs | 31.5789% | 6,481 |
| Earnings coverage of net charge-offs (x) | 0.2211% | 5,883 |
| Efficiency ratio | 96.6929% | 939 |
| Assets per employee ($millions) | 2.5881% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1443% | 770 |
| Loan loss allowance to noncurrent loans | 540.8163% | 601 |
| Noncurrent assets plus other real estate owned to assets | 2.6494% | 2,627 |
| Noncurrent loans to loans | 0.5814% | 5,891 |
| Net loans and leases to total assets | 45.0571% | 6,631 |
| Net loans and leases to deposits | 55.4778% | 6,482 |
| Net loans and leases to core deposits | 61.2424% | 6,295 |
| Total domestic deposits to total assets | 81.2165% | 5,449 |
| Equity capital to assets | 18.6675% | 338 |
| Core capital (leverage) ratio | 18.3253% | 313 |
| Tier 1 risk-based capital ratio | 31.3739% | 454 |
| Total risk-based capital ratio | 32.6159% | 449 |
| Memoranda: | ||
| Average total assets | $18,636,600 | 7,497 |
| Average earning assets | $16,516,600 | 7,487 |
| Average equity | $3,411,000 | 7,158 |
| Average total loans | $9,030,600 | 7,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 5,680 |
| Cost of funding earning assets | 1.3346% | 4,012 |
| Net interest margin | 3.4604% | 5,453 |
| Noninterest income to average assets | 0.3197% | 5,592 |
| Noninterest expense to average assets | 2.9342% | 3,968 |
| Loan and lease loss provision to assets | 0.2131% | 4,929 |
| Net operating income to assets | 0.2487% | 5,355 |
| Return on assets (ROA) | 0.2487% | 5,514 |
| Pretax return on assets | 0.2487% | 5,617 |
| Return on Equity (ROE) | 1.3653% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.3653% | 5,262 |
| Net charge-offs to loans | 1.3070% | 1,558 |
| Credit loss provision to net charge-offs | 33.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | 0.7222% | 5,335 |
| Efficiency ratio | 86.4017% | 1,589 |
| Assets per employee ($millions) | 2.9488% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8026% | 1,000 |
| Loan loss allowance to noncurrent loans | 159.7633% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 3.0464% | 2,379 |
| Noncurrent loans to loans | 1.7542% | 4,011 |
| Net loans and leases to total assets | 52.9249% | 5,991 |
| Net loans and leases to deposits | 65.7492% | 5,696 |
| Net loans and leases to core deposits | 72.8206% | 5,422 |
| Total domestic deposits to total assets | 80.4951% | 5,546 |
| Equity capital to assets | 19.3805% | 327 |
| Core capital (leverage) ratio | 18.8311% | 309 |
| Tier 1 risk-based capital ratio | 29.5462% | 538 |
| Total risk-based capital ratio | 30.8057% | 523 |
| Memoranda: | ||
| Average total assets | $18,766,500 | 7,590 |
| Average earning assets | $16,683,500 | 7,579 |
| Average equity | $3,418,250 | 7,247 |
| Average total loans | $9,181,250 | 7,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 5,958 |
| Cost of funding earning assets | 1.4356% | 3,636 |
| Net interest margin | 3.3183% | 5,949 |
| Noninterest income to average assets | 0.3033% | 5,728 |
| Noninterest expense to average assets | 2.9491% | 3,894 |
| Loan and lease loss provision to assets | 0.1569% | 5,328 |
| Net operating income to assets | 0.1464% | 5,734 |
| Return on assets (ROA) | 0.1464% | 5,848 |
| Pretax return on assets | 0.1464% | 5,893 |
| Return on Equity (ROE) | 0.8200% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.8200% | 5,443 |
| Net charge-offs to loans | 1.3953% | 1,366 |
| Credit loss provision to net charge-offs | 23.8095% | 5,815 |
| Earnings coverage of net charge-offs (x) | 0.4603% | 5,252 |
| Efficiency ratio | 90.6752% | 1,282 |
| Assets per employee ($millions) | 3.1547% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0372% | 796 |
| Loan loss allowance to noncurrent loans | 147.6440% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 2.3087% | 3,124 |
| Noncurrent loans to loans | 2.0571% | 3,646 |
| Net loans and leases to total assets | 47.5645% | 6,653 |
| Net loans and leases to deposits | 58.0202% | 6,572 |
| Net loans and leases to core deposits | 68.4951% | 6,021 |
| Total domestic deposits to total assets | 81.9791% | 4,995 |
| Equity capital to assets | 17.8730% | 430 |
| Core capital (leverage) ratio | 18.6660% | 315 |
| Tier 1 risk-based capital ratio | 29.3514% | 549 |
| Total risk-based capital ratio | 30.6193% | 529 |
| Memoranda: | ||
| Average total assets | $19,124,330 | 7,646 |
| Average earning assets | $16,996,670 | 7,639 |
| Average equity | $3,414,670 | 7,292 |
| Average total loans | $9,030,330 | 7,588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 6,330 |
| Cost of funding earning assets | 1.5270% | 3,394 |
| Net interest margin | 3.1480% | 6,461 |
| Noninterest income to average assets | 0.3329% | 5,482 |
| Noninterest expense to average assets | 2.9549% | 3,840 |
| Loan and lease loss provision to assets | 0.3121% | 3,547 |
| Net operating income to assets | -0.1457% | 6,474 |
| Return on assets (ROA) | -0.1457% | 6,552 |
| Pretax return on assets | -0.1457% | 6,503 |
| Return on Equity (ROE) | -0.8162% | 6,505 |
| Retained earnings to average equity (ytd only) | -0.8162% | 6,016 |
| Net charge-offs to loans | 2.7856% | 570 |
| Credit loss provision to net charge-offs | 24.1935% | 4,897 |
| Earnings coverage of net charge-offs (x) | 0.1290% | 4,916 |
| Efficiency ratio | 94.6667% | 1,097 |
| Assets per employee ($millions) | 3.1720% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2090% | 690 |
| Loan loss allowance to noncurrent loans | 117.9167% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 2.5536% | 2,843 |
| Noncurrent loans to loans | 2.7214% | 2,932 |
| Net loans and leases to total assets | 44.8508% | 6,916 |
| Net loans and leases to deposits | 54.8023% | 6,866 |
| Net loans and leases to core deposits | 68.1245% | 6,085 |
| Total domestic deposits to total assets | 81.8411% | 5,135 |
| Equity capital to assets | 17.9960% | 424 |
| Core capital (leverage) ratio | 17.2182% | 437 |
| Tier 1 risk-based capital ratio | 30.1104% | 521 |
| Total risk-based capital ratio | 31.3746% | 508 |
| Memoranda: | ||
| Average total assets | $19,222,500 | 7,740 |
| Average earning assets | $17,026,500 | 7,730 |
| Average equity | $3,430,500 | 7,363 |
| Average total loans | $8,903,000 | 7,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 5,846 |
| Cost of funding earning assets | 1.8258% | 3,854 |
| Net interest margin | 3.3304% | 5,621 |
| Noninterest income to average assets | 0.2079% | 6,615 |
| Noninterest expense to average assets | 2.9155% | 4,483 |
| Loan and lease loss provision to assets | 2.8901% | 625 |
| Net operating income to assets | -1.5313% | 6,874 |
| Return on assets (ROA) | -1.5313% | 6,878 |
| Pretax return on assets | -2.6011% | 7,173 |
| Return on Equity (ROE) | -8.6837% | 6,522 |
| Retained earnings to average equity (ytd only) | -8.6837% | 6,412 |
| Net charge-offs to loans | 6.8091% | 131 |
| Credit loss provision to net charge-offs | 93.1373% | 5,891 |
| Earnings coverage of net charge-offs (x) | 0.0931% | 6,064 |
| Efficiency ratio | 90.9810% | 1,635 |
| Assets per employee ($millions) | 3.2355% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6720% | 457 |
| Loan loss allowance to noncurrent loans | 86.8421% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 3.2246% | 2,129 |
| Noncurrent loans to loans | 4.2283% | 1,717 |
| Net loans and leases to total assets | 44.5938% | 7,080 |
| Net loans and leases to deposits | 54.2963% | 7,033 |
| Net loans and leases to core deposits | 68.5432% | 6,845 |
| Total domestic deposits to total assets | 82.1305% | 4,889 |
| Equity capital to assets | 17.6995% | 476 |
| Core capital (leverage) ratio | 18.1531% | 396 |
| Tier 1 risk-based capital ratio | 29.4568% | 556 |
| Total risk-based capital ratio | 30.7258% | 539 |
| Memoranda: | ||
| Average total assets | $19,722,400 | 7,784 |
| Average earning assets | $17,745,600 | 7,770 |
| Average equity | $3,477,800 | 7,448 |
| Average total loans | $8,988,000 | 7,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 5,962 |
| Cost of funding earning assets | 1.8732% | 4,028 |
| Net interest margin | 3.3061% | 5,617 |
| Noninterest income to average assets | 0.2087% | 6,733 |
| Noninterest expense to average assets | 2.7138% | 5,263 |
| Loan and lease loss provision to assets | 3.8383% | 319 |
| Net operating income to assets | -3.3602% | 7,665 |
| Return on assets (ROA) | -3.3602% | 7,669 |
| Pretax return on assets | -3.3602% | 7,584 |
| Return on Equity (ROE) | -19.0732% | 7,342 |
| Retained earnings to average equity (ytd only) | -19.0732% | 7,307 |
| Net charge-offs to loans | 9.1673% | 57 |
| Credit loss provision to net charge-offs | 92.2330% | 5,422 |
| Earnings coverage of net charge-offs (x) | 0.1149% | 5,921 |
| Efficiency ratio | 85.0211% | 2,184 |
| Assets per employee ($millions) | 3.1898% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5306% | 406 |
| Loan loss allowance to noncurrent loans | 103.1847% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 2.9260% | 2,368 |
| Noncurrent loans to loans | 3.4216% | 2,196 |
| Net loans and leases to total assets | 46.2563% | 7,090 |
| Net loans and leases to deposits | 56.0210% | 7,087 |
| Net loans and leases to core deposits | 72.2576% | 6,831 |
| Total domestic deposits to total assets | 82.5696% | 4,411 |
| Equity capital to assets | 17.1012% | 618 |
| Core capital (leverage) ratio | 16.7603% | 585 |
| Tier 1 risk-based capital ratio | 27.7845% | 695 |
| Total risk-based capital ratio | 29.0550% | 681 |
| Memoranda: | ||
| Average total assets | $19,799,750 | 7,854 |
| Average earning assets | $17,865,250 | 7,844 |
| Average equity | $3,488,250 | 7,512 |
| Average total loans | $8,988,250 | 7,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 6,220 |
| Cost of funding earning assets | 1.8898% | 4,317 |
| Net interest margin | 3.2713% | 5,657 |
| Noninterest income to average assets | 0.1998% | 6,860 |
| Noninterest expense to average assets | 2.7872% | 5,013 |
| Loan and lease loss provision to assets | 5.6943% | 156 |
| Net operating income to assets | -5.3247% | 7,961 |
| Return on assets (ROA) | -5.3247% | 7,952 |
| Pretax return on assets | -5.3247% | 7,900 |
| Return on Equity (ROE) | -29.9438% | 7,702 |
| Retained earnings to average equity (ytd only) | -29.9438% | 7,679 |
| Net charge-offs to loans | 2.3304% | 765 |
| Credit loss provision to net charge-offs | 548.0769% | 849 |
| Earnings coverage of net charge-offs (x) | 0.3558% | 5,326 |
| Efficiency ratio | 88.2911% | 1,978 |
| Assets per employee ($millions) | 3.2132% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0761% | 23 |
| Loan loss allowance to noncurrent loans | 112.1821% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 5.2337% | 981 |
| Noncurrent loans to loans | 8.0905% | 547 |
| Net loans and leases to total assets | 43.5448% | 7,356 |
| Net loans and leases to deposits | 52.3281% | 7,365 |
| Net loans and leases to core deposits | 67.3648% | 7,152 |
| Total domestic deposits to total assets | 83.2149% | 4,142 |
| Equity capital to assets | 16.5984% | 733 |
| Core capital (leverage) ratio | 15.7656% | 773 |
| Tier 1 risk-based capital ratio | 28.1864% | 702 |
| Total risk-based capital ratio | 29.5162% | 688 |
| Memoranda: | ||
| Average total assets | $20,020,000 | 7,925 |
| Average earning assets | $18,097,000 | 7,915 |
| Average equity | $3,560,000 | 7,550 |
| Average total loans | $8,925,330 | 7,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 6,623 |
| Cost of funding earning assets | 1.8392% | 4,920 |
| Net interest margin | 3.2673% | 5,628 |
| Noninterest income to average assets | 0.1962% | 6,893 |
| Noninterest expense to average assets | 2.7464% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3727% | 4,965 |
| Return on assets (ROA) | 0.3727% | 5,150 |
| Pretax return on assets | 0.4120% | 5,359 |
| Return on Equity (ROE) | 2.0321% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.0321% | 4,730 |
| Net charge-offs to loans | 0.2280% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,946 |
| Efficiency ratio | 86.9565% | 1,973 |
| Assets per employee ($millions) | 3.3235% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2879% | 167 |
| Loan loss allowance to noncurrent loans | 43.5350% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 5.5413% | 765 |
| Noncurrent loans to loans | 9.8493% | 302 |
| Net loans and leases to total assets | 41.0812% | 7,520 |
| Net loans and leases to deposits | 50.7465% | 7,463 |
| Net loans and leases to core deposits | 63.3516% | 7,338 |
| Total domestic deposits to total assets | 80.9538% | 4,990 |
| Equity capital to assets | 18.8456% | 510 |
| Core capital (leverage) ratio | 18.6282% | 482 |
| Tier 1 risk-based capital ratio | 33.1102% | 491 |
| Total risk-based capital ratio | 34.3864% | 482 |
| Memoranda: | ||
| Average total assets | $20,390,500 | 7,963 |
| Average earning assets | $18,486,000 | 7,945 |
| Average equity | $3,740,000 | 7,544 |
| Average total loans | $8,771,500 | 7,962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7560% | 6,572 |
| Cost of funding earning assets | 2.2364% | 5,433 |
| Net interest margin | 3.5196% | 5,229 |
| Noninterest income to average assets | 0.3229% | 6,142 |
| Noninterest expense to average assets | 2.7855% | 4,883 |
| Loan and lease loss provision to assets | 0.8771% | 1,699 |
| Net operating income to assets | 0.0867% | 6,139 |
| Return on assets (ROA) | 0.0867% | 5,980 |
| Pretax return on assets | -0.1012% | 6,272 |
| Return on Equity (ROE) | 0.4890% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.4890% | 4,948 |
| Net charge-offs to loans | 1.4953% | 777 |
| Credit loss provision to net charge-offs | 146.7742% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.2984% | 5,478 |
| Efficiency ratio | 78.2138% | 2,884 |
| Assets per employee ($millions) | 3.4733% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1407% | 168 |
| Loan loss allowance to noncurrent loans | 44.1281% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 5.3023% | 621 |
| Noncurrent loans to loans | 9.3833% | 237 |
| Net loans and leases to total assets | 41.3244% | 7,615 |
| Net loans and leases to deposits | 50.4245% | 7,610 |
| Net loans and leases to core deposits | 63.5619% | 7,459 |
| Total domestic deposits to total assets | 81.9530% | 4,223 |
| Equity capital to assets | 17.8599% | 665 |
| Core capital (leverage) ratio | 18.3609% | 565 |
| Tier 1 risk-based capital ratio | 31.4480% | 575 |
| Total risk-based capital ratio | 32.7257% | 563 |
| Memoranda: | ||
| Average total assets | $20,750,400 | 7,993 |
| Average earning assets | $19,093,000 | 7,964 |
| Average equity | $3,680,800 | 7,618 |
| Average total loans | $8,292,800 | 8,019 |