Home > Gateway Community Bank > Performance and Condition Ratios
Gateway Community Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6552% | 2,362 |
| Cost of funding earning assets | 1.2331% | 816 |
| Net interest margin | 3.4221% | 3,830 |
| Noninterest income to average assets | 0.2506% | 4,219 |
| Noninterest expense to average assets | 3.8125% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1253% | 5,186 |
| Return on assets (ROA) | -0.1253% | 5,185 |
| Pretax return on assets | -0.2461% | 5,204 |
| Return on Equity (ROE) | -1.1348% | 5,192 |
| Retained earnings to average equity (ytd only) | -1.5401% | 4,710 |
| Net charge-offs to loans | -0.0283% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9009% | 119 |
| Assets per employee ($millions) | 4.4961% | 3,199 |
| Cash dividends to net income (ytd only)* | -35.7143% | 5,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 4,845 |
| Loan loss allowance to noncurrent loans | 1,174.3590% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 3,422 |
| Noncurrent loans to loans | 0.0558% | 4,517 |
| Net loans and leases to total assets | 77.1658% | 1,297 |
| Net loans and leases to deposits | 102.4086% | 476 |
| Net loans and leases to core deposits | 112.8790% | 791 |
| Total domestic deposits to total assets | 75.3509% | 4,830 |
| Equity capital to assets | 11.0051% | 2,847 |
| Core capital (leverage) ratio | 11.0723% | 2,510 |
| Tier 1 risk-based capital ratio | 13.2256% | 3,756 |
| Total risk-based capital ratio | 13.8407% | 3,989 |
| Memoranda: | ||
| Average total assets | $89,390,500 | 4,273 |
| Average earning assets | $86,612,500 | 4,211 |
| Average equity | $9,869,500 | 4,343 |
| Average total loans | $70,690,000 | 3,852 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 2,549 |
| Cost of funding earning assets | 1.0767% | 540 |
| Net interest margin | 3.3938% | 4,014 |
| Noninterest income to average assets | 0.3501% | 3,765 |
| Noninterest expense to average assets | 3.0571% | 1,902 |
| Loan and lease loss provision to assets | 0.0090% | 3,942 |
| Net operating income to assets | 0.4604% | 4,747 |
| Return on assets (ROA) | 0.4604% | 4,745 |
| Pretax return on assets | 0.5515% | 4,717 |
| Return on Equity (ROE) | 4.2528% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.7849% | 3,490 |
| Net charge-offs to loans | 0.1813% | 1,057 |
| Credit loss provision to net charge-offs | 6.4516% | 3,440 |
| Earnings coverage of net charge-offs (x) | 4.0161% | 3,346 |
| Efficiency ratio | 84.5053% | 618 |
| Assets per employee ($millions) | 4.0390% | 3,844 |
| Cash dividends to net income (ytd only)* | 11.0024% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 4,920 |
| Loan loss allowance to noncurrent loans | 1,677.7778% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,439 |
| Noncurrent loans to loans | 0.0377% | 4,593 |
| Net loans and leases to total assets | 79.9919% | 944 |
| Net loans and leases to deposits | 108.9649% | 277 |
| Net loans and leases to core deposits | 119.0460% | 578 |
| Total domestic deposits to total assets | 73.4107% | 4,980 |
| Equity capital to assets | 11.0771% | 2,614 |
| Core capital (leverage) ratio | 10.9879% | 2,538 |
| Tier 1 risk-based capital ratio | 13.2334% | 3,700 |
| Total risk-based capital ratio | 13.8437% | 3,958 |
| Memoranda: | ||
| Average total assets | $88,843,400 | 4,294 |
| Average earning assets | $85,539,000 | 4,227 |
| Average equity | $9,617,200 | 4,368 |
| Average total loans | $68,389,800 | 3,905 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,871 |
| Cost of funding earning assets | 1.0159% | 557 |
| Net interest margin | 3.3082% | 4,256 |
| Noninterest income to average assets | 0.3032% | 4,122 |
| Noninterest expense to average assets | 3.0841% | 1,802 |
| Loan and lease loss provision to assets | 0.0045% | 3,881 |
| Net operating income to assets | 0.3482% | 5,032 |
| Return on assets (ROA) | 0.3482% | 5,025 |
| Pretax return on assets | 0.3962% | 5,035 |
| Return on Equity (ROE) | 3.2354% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.6078% | 4,369 |
| Net charge-offs to loans | 0.2465% | 689 |
| Credit loss provision to net charge-offs | 2.4000% | 3,079 |
| Earnings coverage of net charge-offs (x) | 2.1360% | 3,278 |
| Efficiency ratio | 88.5013% | 382 |
| Assets per employee ($millions) | 4.2685% | 3,480 |
| Cash dividends to net income (ytd only)* | 19.3968% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 4,964 |
| Loan loss allowance to noncurrent loans | 98.8938% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,952 |
| Noncurrent loans to loans | 0.6612% | 2,425 |
| Net loans and leases to total assets | 75.7594% | 1,695 |
| Net loans and leases to deposits | 101.6602% | 670 |
| Net loans and leases to core deposits | 111.0203% | 971 |
| Total domestic deposits to total assets | 74.5223% | 4,935 |
| Equity capital to assets | 10.6929% | 2,939 |
| Core capital (leverage) ratio | 11.0074% | 2,567 |
| Tier 1 risk-based capital ratio | 13.5674% | 3,592 |
| Total risk-based capital ratio | 14.1963% | 3,843 |
| Memoranda: | ||
| Average total assets | $88,839,500 | 4,328 |
| Average earning assets | $85,441,750 | 4,273 |
| Average equity | $9,560,750 | 4,412 |
| Average total loans | $67,604,000 | 3,955 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,741 |
| Cost of funding earning assets | 0.9460% | 593 |
| Net interest margin | 3.3603% | 4,075 |
| Noninterest income to average assets | 0.2800% | 4,312 |
| Noninterest expense to average assets | 3.0483% | 1,911 |
| Loan and lease loss provision to assets | 0.0068% | 3,701 |
| Net operating income to assets | 0.3906% | 4,974 |
| Return on assets (ROA) | 0.3906% | 4,979 |
| Pretax return on assets | 0.4493% | 4,989 |
| Return on Equity (ROE) | 3.6220% | 4,900 |
| Retained earnings to average equity (ytd only) | 2.6799% | 4,178 |
| Net charge-offs to loans | 0.0772% | 1,556 |
| Credit loss provision to net charge-offs | 11.5385% | 2,724 |
| Earnings coverage of net charge-offs (x) | 7.7692% | 2,527 |
| Efficiency ratio | 86.9845% | 522 |
| Assets per employee ($millions) | 4.1180% | 3,696 |
| Cash dividends to net income (ytd only)* | 26.0116% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 4,627 |
| Loan loss allowance to noncurrent loans | 86.3924% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 1,494 |
| Noncurrent loans to loans | 0.9535% | 1,822 |
| Net loans and leases to total assets | 76.0159% | 1,640 |
| Net loans and leases to deposits | 103.1088% | 583 |
| Net loans and leases to core deposits | 114.4387% | 775 |
| Total domestic deposits to total assets | 73.7240% | 5,071 |
| Equity capital to assets | 11.0606% | 2,579 |
| Core capital (leverage) ratio | 10.7905% | 2,711 |
| Tier 1 risk-based capital ratio | 13.9986% | 3,361 |
| Total risk-based capital ratio | 14.7961% | 3,498 |
| Memoranda: | ||
| Average total assets | $88,573,000 | 4,373 |
| Average earning assets | $84,993,000 | 4,320 |
| Average equity | $9,552,670 | 4,450 |
| Average total loans | $67,353,000 | 3,990 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,901 |
| Cost of funding earning assets | 0.8416% | 794 |
| Net interest margin | 3.3523% | 4,043 |
| Noninterest income to average assets | 0.2544% | 4,478 |
| Noninterest expense to average assets | 2.9413% | 2,221 |
| Loan and lease loss provision to assets | 0.0134% | 3,358 |
| Net operating income to assets | 0.4508% | 4,809 |
| Return on assets (ROA) | 0.4508% | 4,813 |
| Pretax return on assets | 0.5177% | 4,846 |
| Return on Equity (ROE) | 4.2319% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.2319% | 3,495 |
| Net charge-offs to loans | -0.1473% | 5,312 |
| Credit loss provision to net charge-offs | -12.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7044% | 743 |
| Assets per employee ($millions) | 3.9438% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,518 |
| Loan loss allowance to noncurrent loans | 78.4494% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 1,395 |
| Noncurrent loans to loans | 1.1256% | 1,629 |
| Net loans and leases to total assets | 73.8752% | 1,873 |
| Net loans and leases to deposits | 88.1757% | 1,907 |
| Net loans and leases to core deposits | 96.1585% | 1,965 |
| Total domestic deposits to total assets | 83.7818% | 3,409 |
| Equity capital to assets | 10.5218% | 3,054 |
| Core capital (leverage) ratio | 10.8689% | 2,568 |
| Tier 1 risk-based capital ratio | 13.8040% | 3,494 |
| Total risk-based capital ratio | 14.6662% | 3,617 |
| Memoranda: | ||
| Average total assets | $89,620,500 | 4,404 |
| Average earning assets | $86,030,000 | 4,345 |
| Average equity | $9,546,500 | 4,495 |
| Average total loans | $67,888,000 | 4,012 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,330 |
| Cost of funding earning assets | 0.7419% | 846 |
| Net interest margin | 3.5587% | 3,306 |
| Noninterest income to average assets | 0.1771% | 5,069 |
| Noninterest expense to average assets | 3.2554% | 1,480 |
| Loan and lease loss provision to assets | 0.0914% | 2,370 |
| Net operating income to assets | 0.2243% | 5,059 |
| Return on assets (ROA) | 0.2480% | 5,037 |
| Pretax return on assets | 0.2765% | 5,236 |
| Return on Equity (ROE) | 2.2844% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.8633% | 4,195 |
| Net charge-offs to loans | 0.3052% | 842 |
| Credit loss provision to net charge-offs | 40.4040% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 3,879 |
| Efficiency ratio | 90.5019% | 409 |
| Assets per employee ($millions) | 3.8493% | 4,205 |
| Cash dividends to net income (ytd only)* | 18.4332% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 4,718 |
| Loan loss allowance to noncurrent loans | 186.5574% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 2,464 |
| Noncurrent loans to loans | 0.4474% | 3,172 |
| Net loans and leases to total assets | 76.3548% | 1,532 |
| Net loans and leases to deposits | 86.7957% | 2,161 |
| Net loans and leases to core deposits | 94.0823% | 2,185 |
| Total domestic deposits to total assets | 87.9707% | 1,519 |
| Equity capital to assets | 10.7857% | 2,856 |
| Core capital (leverage) ratio | 10.5839% | 2,755 |
| Tier 1 risk-based capital ratio | 14.0941% | 3,308 |
| Total risk-based capital ratio | 14.9422% | 3,441 |
| Memoranda: | ||
| Average total assets | $87,515,400 | 4,466 |
| Average earning assets | $84,103,600 | 4,400 |
| Average equity | $9,499,400 | 4,525 |
| Average total loans | $64,882,400 | 4,077 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,393 |
| Cost of funding earning assets | 0.7268% | 858 |
| Net interest margin | 3.5336% | 3,376 |
| Noninterest income to average assets | 0.1513% | 5,257 |
| Noninterest expense to average assets | 3.2163% | 1,524 |
| Loan and lease loss provision to assets | 0.1070% | 1,985 |
| Net operating income to assets | 0.2153% | 5,339 |
| Return on assets (ROA) | 0.2491% | 5,315 |
| Pretax return on assets | 0.2582% | 5,333 |
| Return on Equity (ROE) | 2.2908% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.2908% | 4,496 |
| Net charge-offs to loans | 0.2081% | 1,030 |
| Credit loss provision to net charge-offs | 70.0000% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.1600% | 3,502 |
| Efficiency ratio | 90.6937% | 386 |
| Assets per employee ($millions) | 4.0570% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 4,142 |
| Loan loss allowance to noncurrent loans | 172.4409% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 2,401 |
| Noncurrent loans to loans | 0.5719% | 2,982 |
| Net loans and leases to total assets | 73.9068% | 1,929 |
| Net loans and leases to deposits | 85.1181% | 2,418 |
| Net loans and leases to core deposits | 91.7837% | 2,465 |
| Total domestic deposits to total assets | 86.8285% | 1,943 |
| Equity capital to assets | 10.7952% | 3,064 |
| Core capital (leverage) ratio | 10.7387% | 2,716 |
| Tier 1 risk-based capital ratio | 14.4802% | 3,195 |
| Total risk-based capital ratio | 15.4749% | 3,240 |
| Memoranda: | ||
| Average total assets | $87,260,750 | 4,511 |
| Average earning assets | $83,841,000 | 4,445 |
| Average equity | $9,487,000 | 4,578 |
| Average total loans | $64,060,750 | 4,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,239 |
| Cost of funding earning assets | 0.6959% | 910 |
| Net interest margin | 3.5687% | 3,152 |
| Noninterest income to average assets | 0.0993% | 5,517 |
| Noninterest expense to average assets | 3.2472% | 1,483 |
| Loan and lease loss provision to assets | 0.1386% | 1,488 |
| Net operating income to assets | 0.1524% | 5,447 |
| Return on assets (ROA) | 0.2056% | 5,404 |
| Pretax return on assets | 0.1894% | 5,437 |
| Return on Equity (ROE) | 1.8861% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.8861% | 4,493 |
| Net charge-offs to loans | 0.3670% | 556 |
| Credit loss provision to net charge-offs | 51.7241% | 2,545 |
| Earnings coverage of net charge-offs (x) | 1.0259% | 3,330 |
| Efficiency ratio | 92.1967% | 357 |
| Assets per employee ($millions) | 3.8399% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,206 |
| Loan loss allowance to noncurrent loans | 165.1832% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 2,128 |
| Noncurrent loans to loans | 0.5996% | 2,933 |
| Net loans and leases to total assets | 71.4223% | 2,298 |
| Net loans and leases to deposits | 83.3957% | 2,556 |
| Net loans and leases to core deposits | 91.4293% | 2,380 |
| Total domestic deposits to total assets | 85.6426% | 2,552 |
| Equity capital to assets | 10.8405% | 2,982 |
| Core capital (leverage) ratio | 10.9925% | 2,414 |
| Tier 1 risk-based capital ratio | 14.7259% | 3,051 |
| Total risk-based capital ratio | 15.7050% | 3,112 |
| Memoranda: | ||
| Average total assets | $86,596,670 | 4,550 |
| Average earning assets | $83,054,670 | 4,486 |
| Average equity | $9,437,670 | 4,601 |
| Average total loans | $63,207,330 | 4,168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 1,968 |
| Cost of funding earning assets | 0.6564% | 1,045 |
| Net interest margin | 3.6369% | 2,747 |
| Noninterest income to average assets | 0.2379% | 4,837 |
| Noninterest expense to average assets | 3.2472% | 1,485 |
| Loan and lease loss provision to assets | 0.1400% | 1,354 |
| Net operating income to assets | 0.2986% | 5,193 |
| Return on assets (ROA) | 0.2986% | 5,210 |
| Pretax return on assets | 0.3406% | 5,245 |
| Return on Equity (ROE) | 2.7323% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.7323% | 4,042 |
| Net charge-offs to loans | 0.7688% | 220 |
| Credit loss provision to net charge-offs | 24.7934% | 2,150 |
| Earnings coverage of net charge-offs (x) | 0.8512% | 2,791 |
| Efficiency ratio | 87.1089% | 725 |
| Assets per employee ($millions) | 3.4256% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,568 |
| Loan loss allowance to noncurrent loans | 154.0052% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 947 |
| Noncurrent loans to loans | 0.6155% | 2,977 |
| Net loans and leases to total assets | 72.7163% | 1,962 |
| Net loans and leases to deposits | 85.2533% | 2,120 |
| Net loans and leases to core deposits | 95.1810% | 1,876 |
| Total domestic deposits to total assets | 85.2944% | 2,964 |
| Equity capital to assets | 11.0064% | 2,622 |
| Core capital (leverage) ratio | 11.0960% | 2,272 |
| Tier 1 risk-based capital ratio | 14.9513% | 2,987 |
| Total risk-based capital ratio | 15.8854% | 3,068 |
| Memoranda: | ||
| Average total assets | $85,736,500 | 4,610 |
| Average earning assets | $82,268,500 | 4,546 |
| Average equity | $9,369,500 | 4,645 |
| Average total loans | $62,956,500 | 4,208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 2,650 |
| Cost of funding earning assets | 0.6515% | 1,049 |
| Net interest margin | 3.5010% | 3,427 |
| Noninterest income to average assets | 0.3474% | 4,248 |
| Noninterest expense to average assets | 3.2655% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3704% | 5,032 |
| Return on assets (ROA) | 0.3895% | 5,061 |
| Pretax return on assets | 0.4647% | 5,097 |
| Return on Equity (ROE) | 3.6625% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.2341% | 3,612 |
| Net charge-offs to loans | 0.3699% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.7244% | 3,951 |
| Efficiency ratio | 88.0799% | 675 |
| Assets per employee ($millions) | 3.4333% | 4,852 |
| Cash dividends to net income (ytd only)* | 11.6959% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,768 |
| Loan loss allowance to noncurrent loans | 88.9896% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.8105% | 809 |
| Noncurrent loans to loans | 1.2246% | 1,678 |
| Net loans and leases to total assets | 72.6477% | 2,073 |
| Net loans and leases to deposits | 85.3360% | 2,260 |
| Net loans and leases to core deposits | 94.5718% | 2,049 |
| Total domestic deposits to total assets | 85.1314% | 2,988 |
| Equity capital to assets | 10.8503% | 2,764 |
| Core capital (leverage) ratio | 10.9293% | 2,409 |
| Tier 1 risk-based capital ratio | 14.7504% | 3,071 |
| Total risk-based capital ratio | 15.8197% | 3,099 |
| Memoranda: | ||
| Average total assets | $87,797,200 | 4,587 |
| Average earning assets | $84,261,400 | 4,513 |
| Average equity | $9,338,000 | 4,682 |
| Average total loans | $60,823,600 | 4,272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 2,819 |
| Cost of funding earning assets | 0.6565% | 1,020 |
| Net interest margin | 3.4588% | 3,632 |
| Noninterest income to average assets | 0.3760% | 4,093 |
| Noninterest expense to average assets | 3.2514% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3872% | 5,062 |
| Return on assets (ROA) | 0.4138% | 5,067 |
| Pretax return on assets | 0.4727% | 5,186 |
| Return on Equity (ROE) | 3.9096% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.9096% | 3,519 |
| Net charge-offs to loans | 0.0553% | 2,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.7210% | 2,458 |
| Efficiency ratio | 88.0213% | 673 |
| Assets per employee ($millions) | 3.4486% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 2,138 |
| Loan loss allowance to noncurrent loans | 193.2462% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 1,240 |
| Noncurrent loans to loans | 0.7320% | 2,840 |
| Net loans and leases to total assets | 71.7010% | 2,230 |
| Net loans and leases to deposits | 82.9614% | 2,607 |
| Net loans and leases to core deposits | 92.0732% | 2,370 |
| Total domestic deposits to total assets | 86.4270% | 2,154 |
| Equity capital to assets | 11.0990% | 2,918 |
| Core capital (leverage) ratio | 10.8190% | 2,662 |
| Tier 1 risk-based capital ratio | 14.8313% | 3,136 |
| Total risk-based capital ratio | 16.0824% | 3,072 |
| Memoranda: | ||
| Average total assets | $88,288,500 | 4,615 |
| Average earning assets | $84,690,000 | 4,537 |
| Average equity | $9,344,250 | 4,730 |
| Average total loans | $60,269,000 | 4,317 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 2,919 |
| Cost of funding earning assets | 0.6516% | 1,050 |
| Net interest margin | 3.4336% | 3,746 |
| Noninterest income to average assets | 0.3776% | 4,046 |
| Noninterest expense to average assets | 3.2389% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3907% | 5,062 |
| Return on assets (ROA) | 0.4271% | 5,039 |
| Pretax return on assets | 0.4720% | 5,196 |
| Return on Equity (ROE) | 4.0995% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.0995% | 3,293 |
| Net charge-offs to loans | 0.0706% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,445 |
| Efficiency ratio | 88.2425% | 705 |
| Assets per employee ($millions) | 3.4958% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,983 |
| Loan loss allowance to noncurrent loans | 186.4017% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 1,185 |
| Noncurrent loans to loans | 0.7887% | 2,778 |
| Net loans and leases to total assets | 68.3289% | 2,734 |
| Net loans and leases to deposits | 79.9111% | 2,939 |
| Net loans and leases to core deposits | 89.2256% | 2,614 |
| Total domestic deposits to total assets | 85.5060% | 2,641 |
| Equity capital to assets | 10.8690% | 3,207 |
| Core capital (leverage) ratio | 10.6068% | 2,844 |
| Tier 1 risk-based capital ratio | 15.1209% | 3,023 |
| Total risk-based capital ratio | 16.3755% | 2,951 |
| Memoranda: | ||
| Average total assets | $88,979,670 | 4,636 |
| Average earning assets | $85,334,000 | 4,554 |
| Average equity | $9,269,330 | 4,784 |
| Average total loans | $59,457,330 | 4,369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,034 |
| Cost of funding earning assets | 0.6463% | 1,077 |
| Net interest margin | 3.4038% | 3,856 |
| Noninterest income to average assets | 0.4857% | 3,224 |
| Noninterest expense to average assets | 3.2527% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4500% | 4,830 |
| Return on assets (ROA) | 0.4500% | 4,914 |
| Pretax return on assets | 0.4946% | 5,099 |
| Return on Equity (ROE) | 4.4131% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.4131% | 3,271 |
| Net charge-offs to loans | -0.0068% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8014% | 906 |
| Assets per employee ($millions) | 3.4319% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,830 |
| Loan loss allowance to noncurrent loans | 161.8794% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 1,205 |
| Noncurrent loans to loans | 0.9510% | 2,475 |
| Net loans and leases to total assets | 65.4428% | 3,039 |
| Net loans and leases to deposits | 76.0289% | 3,220 |
| Net loans and leases to core deposits | 86.0824% | 2,740 |
| Total domestic deposits to total assets | 86.0763% | 2,643 |
| Equity capital to assets | 10.3554% | 3,677 |
| Core capital (leverage) ratio | 10.3063% | 3,189 |
| Tier 1 risk-based capital ratio | 14.9962% | 3,160 |
| Total risk-based capital ratio | 16.2484% | 3,095 |
| Memoranda: | ||
| Average total assets | $89,772,000 | 4,664 |
| Average earning assets | $86,022,500 | 4,577 |
| Average equity | $9,154,500 | 4,829 |
| Average total loans | $58,882,500 | 4,416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,050 |
| Cost of funding earning assets | 0.4584% | 2,549 |
| Net interest margin | 3.6066% | 3,102 |
| Noninterest income to average assets | 0.0667% | 5,961 |
| Noninterest expense to average assets | 3.2963% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2028% | 5,565 |
| Return on assets (ROA) | 0.1826% | 5,664 |
| Pretax return on assets | 0.1990% | 5,688 |
| Return on Equity (ROE) | 1.8573% | 5,604 |
| Retained earnings to average equity (ytd only) | 1.8573% | 4,668 |
| Net charge-offs to loans | 0.5131% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.6801% | 4,194 |
| Efficiency ratio | 93.7189% | 498 |
| Assets per employee ($millions) | 3.3450% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 1,759 |
| Loan loss allowance to noncurrent loans | 127.7311% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 1,049 |
| Noncurrent loans to loans | 1.2214% | 1,930 |
| Net loans and leases to total assets | 63.7170% | 3,321 |
| Net loans and leases to deposits | 73.7315% | 3,528 |
| Net loans and leases to core deposits | 83.3650% | 3,014 |
| Total domestic deposits to total assets | 86.4175% | 2,423 |
| Equity capital to assets | 10.0415% | 3,910 |
| Core capital (leverage) ratio | 10.1118% | 3,372 |
| Tier 1 risk-based capital ratio | 14.7791% | 3,286 |
| Total risk-based capital ratio | 16.0317% | 3,220 |
| Memoranda: | ||
| Average total assets | $91,435,400 | 4,636 |
| Average earning assets | $87,478,000 | 4,548 |
| Average equity | $8,991,400 | 4,851 |
| Average total loans | $57,889,000 | 4,429 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,162 |
| Cost of funding earning assets | 0.4348% | 2,855 |
| Net interest margin | 3.6074% | 3,129 |
| Noninterest income to average assets | 0.0741% | 6,033 |
| Noninterest expense to average assets | 3.2229% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2608% | 5,552 |
| Return on assets (ROA) | 0.2355% | 5,677 |
| Pretax return on assets | 0.2718% | 5,688 |
| Return on Equity (ROE) | 2.4074% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.4074% | 4,673 |
| Net charge-offs to loans | 0.2170% | 1,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.2021% | 3,710 |
| Efficiency ratio | 91.4604% | 599 |
| Assets per employee ($millions) | 3.3958% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 1,100 |
| Loan loss allowance to noncurrent loans | 112.0603% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1531% | 904 |
| Noncurrent loans to loans | 1.6828% | 1,448 |
| Net loans and leases to total assets | 65.7066% | 3,060 |
| Net loans and leases to deposits | 77.3177% | 3,165 |
| Net loans and leases to core deposits | 89.0152% | 2,560 |
| Total domestic deposits to total assets | 84.9826% | 3,018 |
| Equity capital to assets | 10.2298% | 3,889 |
| Core capital (leverage) ratio | 9.7579% | 3,955 |
| Tier 1 risk-based capital ratio | 14.5345% | 3,545 |
| Total risk-based capital ratio | 15.7909% | 3,460 |
| Memoranda: | ||
| Average total assets | $91,715,500 | 4,686 |
| Average earning assets | $87,706,000 | 4,593 |
| Average equity | $8,972,000 | 4,917 |
| Average total loans | $57,746,750 | 4,480 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,461 |
| Cost of funding earning assets | 0.4079% | 3,190 |
| Net interest margin | 3.5495% | 3,292 |
| Noninterest income to average assets | 0.0862% | 6,068 |
| Noninterest expense to average assets | 3.1360% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2779% | 5,508 |
| Return on assets (ROA) | 0.3058% | 5,527 |
| Pretax return on assets | 0.3769% | 5,521 |
| Return on Equity (ROE) | 3.1725% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.1725% | 4,037 |
| Net charge-offs to loans | 0.1676% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.3125% | 3,206 |
| Efficiency ratio | 90.1548% | 738 |
| Assets per employee ($millions) | 3.6318% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 1,079 |
| Loan loss allowance to noncurrent loans | 100.0862% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.4696% | 774 |
| Noncurrent loans to loans | 1.9438% | 1,277 |
| Net loans and leases to total assets | 61.9700% | 3,552 |
| Net loans and leases to deposits | 71.2345% | 3,793 |
| Net loans and leases to core deposits | 81.4308% | 3,242 |
| Total domestic deposits to total assets | 86.9943% | 2,174 |
| Equity capital to assets | 9.4601% | 4,700 |
| Core capital (leverage) ratio | 9.7342% | 3,958 |
| Tier 1 risk-based capital ratio | 14.0292% | 3,907 |
| Total risk-based capital ratio | 15.2862% | 3,843 |
| Memoranda: | ||
| Average total assets | $92,857,000 | 4,707 |
| Average earning assets | $88,743,670 | 4,626 |
| Average equity | $8,952,000 | 4,953 |
| Average total loans | $57,286,330 | 4,530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,685 |
| Cost of funding earning assets | 0.3770% | 3,572 |
| Net interest margin | 3.5066% | 3,414 |
| Noninterest income to average assets | 0.1086% | 6,042 |
| Noninterest expense to average assets | 3.1801% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2407% | 5,586 |
| Return on assets (ROA) | 0.2998% | 5,518 |
| Pretax return on assets | 0.3519% | 5,535 |
| Return on Equity (ROE) | 3.0798% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,131 |
| Net charge-offs to loans | 0.2924% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.5854% | 2,900 |
| Efficiency ratio | 91.8444% | 726 |
| Assets per employee ($millions) | 3.4657% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0727% | 959 |
| Loan loss allowance to noncurrent loans | 98.1528% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.6140% | 797 |
| Noncurrent loans to loans | 2.1117% | 1,218 |
| Net loans and leases to total assets | 59.0245% | 3,793 |
| Net loans and leases to deposits | 68.0109% | 3,954 |
| Net loans and leases to core deposits | 76.5184% | 3,538 |
| Total domestic deposits to total assets | 86.7868% | 2,505 |
| Equity capital to assets | 9.6716% | 4,547 |
| Core capital (leverage) ratio | 10.0644% | 3,517 |
| Tier 1 risk-based capital ratio | 14.8012% | 3,541 |
| Total risk-based capital ratio | 16.0585% | 3,471 |
| Memoranda: | ||
| Average total assets | $92,071,500 | 4,768 |
| Average earning assets | $88,063,000 | 4,671 |
| Average equity | $8,961,500 | 5,001 |
| Average total loans | $56,090,500 | 4,609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,418 |
| Cost of funding earning assets | 0.3601% | 4,138 |
| Net interest margin | 3.7152% | 2,953 |
| Noninterest income to average assets | 0.2908% | 5,038 |
| Noninterest expense to average assets | 3.2280% | 2,133 |
| Loan and lease loss provision to assets | 0.2405% | 982 |
| Net operating income to assets | 0.2972% | 5,520 |
| Return on assets (ROA) | 0.3132% | 5,559 |
| Pretax return on assets | 0.3725% | 5,554 |
| Return on Equity (ROE) | 3.3049% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.3049% | 3,876 |
| Net charge-offs to loans | 0.3527% | 1,240 |
| Credit loss provision to net charge-offs | 111.9792% | 2,124 |
| Earnings coverage of net charge-offs (x) | 2.7656% | 4,070 |
| Efficiency ratio | 84.4601% | 1,349 |
| Assets per employee ($millions) | 3.4835% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1674% | 865 |
| Loan loss allowance to noncurrent loans | 56.2326% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 3.8335% | 457 |
| Noncurrent loans to loans | 3.8544% | 500 |
| Net loans and leases to total assets | 60.2539% | 3,752 |
| Net loans and leases to deposits | 70.5575% | 3,836 |
| Net loans and leases to core deposits | 77.2296% | 3,593 |
| Total domestic deposits to total assets | 85.3969% | 3,125 |
| Equity capital to assets | 9.7968% | 4,360 |
| Core capital (leverage) ratio | 9.8750% | 3,743 |
| Tier 1 risk-based capital ratio | 15.2806% | 3,324 |
| Total risk-based capital ratio | 16.5415% | 3,271 |
| Memoranda: | ||
| Average total assets | $89,405,600 | 4,849 |
| Average earning assets | $84,975,000 | 4,760 |
| Average equity | $8,472,200 | 5,090 |
| Average total loans | $54,444,400 | 4,675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 3,445 |
| Cost of funding earning assets | 0.3530% | 4,313 |
| Net interest margin | 3.7303% | 2,898 |
| Noninterest income to average assets | 0.2873% | 5,148 |
| Noninterest expense to average assets | 3.1599% | 2,294 |
| Loan and lease loss provision to assets | 0.3217% | 583 |
| Net operating income to assets | 0.2933% | 5,608 |
| Return on assets (ROA) | 0.2933% | 5,679 |
| Pretax return on assets | 0.3471% | 5,685 |
| Return on Equity (ROE) | 3.1215% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.1215% | 4,399 |
| Net charge-offs to loans | 0.0789% | 3,075 |
| Credit loss provision to net charge-offs | 671.8750% | 446 |
| Earnings coverage of net charge-offs (x) | 13.9674% | 2,178 |
| Efficiency ratio | 82.5322% | 1,551 |
| Assets per employee ($millions) | 3.6551% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4451% | 690 |
| Loan loss allowance to noncurrent loans | 63.4090% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.8642% | 527 |
| Noncurrent loans to loans | 3.8561% | 573 |
| Net loans and leases to total assets | 59.7743% | 3,824 |
| Net loans and leases to deposits | 68.8117% | 4,042 |
| Net loans and leases to core deposits | 76.7674% | 3,661 |
| Total domestic deposits to total assets | 86.8665% | 2,391 |
| Equity capital to assets | 9.4127% | 4,904 |
| Core capital (leverage) ratio | 10.0099% | 3,669 |
| Tier 1 risk-based capital ratio | 15.0605% | 3,552 |
| Total risk-based capital ratio | 16.3250% | 3,482 |
| Memoranda: | ||
| Average total assets | $89,114,500 | 4,910 |
| Average earning assets | $84,602,250 | 4,820 |
| Average equity | $8,372,000 | 5,152 |
| Average total loans | $54,110,250 | 4,725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,300 |
| Cost of funding earning assets | 0.3486% | 4,453 |
| Net interest margin | 3.7609% | 2,711 |
| Noninterest income to average assets | 0.3124% | 4,921 |
| Noninterest expense to average assets | 3.2096% | 2,160 |
| Loan and lease loss provision to assets | 0.3282% | 570 |
| Net operating income to assets | 0.2920% | 5,597 |
| Return on assets (ROA) | 0.2920% | 5,663 |
| Pretax return on assets | 0.3395% | 5,697 |
| Return on Equity (ROE) | 3.1101% | 5,488 |
| Retained earnings to average equity (ytd only) | 3.1101% | 4,224 |
| Net charge-offs to loans | 0.1309% | 2,355 |
| Credit loss provision to net charge-offs | 414.2857% | 677 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,497 |
| Efficiency ratio | 82.7788% | 1,660 |
| Assets per employee ($millions) | 3.5677% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 831 |
| Loan loss allowance to noncurrent loans | 60.5325% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.9387% | 548 |
| Noncurrent loans to loans | 3.9270% | 613 |
| Net loans and leases to total assets | 59.6735% | 3,774 |
| Net loans and leases to deposits | 67.1757% | 4,146 |
| Net loans and leases to core deposits | 74.6208% | 3,766 |
| Total domestic deposits to total assets | 88.8320% | 1,455 |
| Equity capital to assets | 9.5704% | 4,663 |
| Core capital (leverage) ratio | 10.0973% | 3,475 |
| Tier 1 risk-based capital ratio | 15.2842% | 3,478 |
| Total risk-based capital ratio | 16.2338% | 3,592 |
| Memoranda: | ||
| Average total assets | $88,360,330 | 4,967 |
| Average earning assets | $83,757,000 | 4,875 |
| Average equity | $8,295,670 | 5,194 |
| Average total loans | $53,484,000 | 4,767 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 3,093 |
| Cost of funding earning assets | 0.3407% | 4,640 |
| Net interest margin | 3.8058% | 2,449 |
| Noninterest income to average assets | 0.2865% | 5,078 |
| Noninterest expense to average assets | 3.1520% | 2,373 |
| Loan and lease loss provision to assets | 0.4093% | 408 |
| Net operating income to assets | 0.2956% | 5,508 |
| Return on assets (ROA) | 0.2956% | 5,550 |
| Pretax return on assets | 0.3320% | 5,646 |
| Return on Equity (ROE) | 3.1802% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.1802% | 4,221 |
| Net charge-offs to loans | -0.0227% | 5,410 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9579% | 2,057 |
| Assets per employee ($millions) | 3.2673% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4133% | 897 |
| Loan loss allowance to noncurrent loans | 68.6527% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.6252% | 709 |
| Noncurrent loans to loans | 3.5153% | 827 |
| Net loans and leases to total assets | 58.6266% | 3,747 |
| Net loans and leases to deposits | 65.0729% | 4,198 |
| Net loans and leases to core deposits | 71.8565% | 3,885 |
| Total domestic deposits to total assets | 90.0936% | 1,020 |
| Equity capital to assets | 9.3997% | 4,626 |
| Core capital (leverage) ratio | 10.3259% | 3,147 |
| Tier 1 risk-based capital ratio | 15.6051% | 3,375 |
| Total risk-based capital ratio | 16.5887% | 3,485 |
| Memoranda: | ||
| Average total assets | $87,944,500 | 5,022 |
| Average earning assets | $83,346,500 | 4,935 |
| Average equity | $8,175,500 | 5,245 |
| Average total loans | $52,966,000 | 4,826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 3,006 |
| Cost of funding earning assets | 0.3889% | 4,763 |
| Net interest margin | 3.8999% | 2,286 |
| Noninterest income to average assets | 0.0952% | 6,405 |
| Noninterest expense to average assets | 3.2093% | 2,388 |
| Loan and lease loss provision to assets | 0.5733% | 448 |
| Net operating income to assets | 0.0516% | 6,126 |
| Return on assets (ROA) | 0.0516% | 6,175 |
| Pretax return on assets | 0.0264% | 6,192 |
| Return on Equity (ROE) | 0.5378% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.5378% | 5,600 |
| Net charge-offs to loans | 1.0909% | 514 |
| Credit loss provision to net charge-offs | 82.7815% | 2,962 |
| Earnings coverage of net charge-offs (x) | 0.8659% | 4,799 |
| Efficiency ratio | 84.2565% | 1,598 |
| Assets per employee ($millions) | 3.3720% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2405% | 1,125 |
| Loan loss allowance to noncurrent loans | 72.0097% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.4070% | 876 |
| Noncurrent loans to loans | 3.1114% | 1,104 |
| Net loans and leases to total assets | 59.0250% | 3,869 |
| Net loans and leases to deposits | 65.3372% | 4,377 |
| Net loans and leases to core deposits | 71.6487% | 4,115 |
| Total domestic deposits to total assets | 90.3391% | 906 |
| Equity capital to assets | 9.1921% | 4,813 |
| Core capital (leverage) ratio | 10.1883% | 3,310 |
| Tier 1 risk-based capital ratio | 15.4504% | 3,406 |
| Total risk-based capital ratio | 16.2700% | 3,597 |
| Memoranda: | ||
| Average total assets | $87,214,000 | 5,046 |
| Average earning assets | $83,054,000 | 4,954 |
| Average equity | $8,367,600 | 5,250 |
| Average total loans | $55,369,600 | 4,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 3,023 |
| Cost of funding earning assets | 0.3966% | 4,843 |
| Net interest margin | 3.8968% | 2,288 |
| Noninterest income to average assets | 0.3107% | 5,214 |
| Noninterest expense to average assets | 3.3402% | 1,980 |
| Loan and lease loss provision to assets | 0.7118% | 307 |
| Net operating income to assets | 0.0352% | 6,245 |
| Return on assets (ROA) | 0.0352% | 6,299 |
| Pretax return on assets | -0.0260% | 6,343 |
| Return on Equity (ROE) | 0.3632% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.3632% | 5,820 |
| Net charge-offs to loans | 0.5597% | 1,130 |
| Credit loss provision to net charge-offs | 197.8723% | 1,224 |
| Earnings coverage of net charge-offs (x) | 1.9064% | 4,189 |
| Efficiency ratio | 82.9658% | 1,709 |
| Assets per employee ($millions) | 3.3187% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8121% | 666 |
| Loan loss allowance to noncurrent loans | 86.7580% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.5706% | 935 |
| Noncurrent loans to loans | 3.2413% | 1,210 |
| Net loans and leases to total assets | 60.8817% | 3,544 |
| Net loans and leases to deposits | 67.5613% | 4,113 |
| Net loans and leases to core deposits | 75.4059% | 3,683 |
| Total domestic deposits to total assets | 90.1132% | 930 |
| Equity capital to assets | 9.3815% | 4,697 |
| Core capital (leverage) ratio | 10.1686% | 3,447 |
| Tier 1 risk-based capital ratio | 15.0487% | 3,725 |
| Total risk-based capital ratio | 16.3314% | 3,649 |
| Memoranda: | ||
| Average total assets | $87,099,250 | 5,097 |
| Average earning assets | $83,039,500 | 4,995 |
| Average equity | $8,444,750 | 5,287 |
| Average total loans | $55,978,250 | 4,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,817 |
| Cost of funding earning assets | 0.4030% | 4,917 |
| Net interest margin | 3.9312% | 2,107 |
| Noninterest income to average assets | 0.3617% | 4,800 |
| Noninterest expense to average assets | 3.4245% | 1,774 |
| Loan and lease loss provision to assets | 0.8813% | 224 |
| Net operating income to assets | -0.0526% | 6,361 |
| Return on assets (ROA) | -0.0526% | 6,410 |
| Pretax return on assets | -0.1923% | 6,490 |
| Return on Equity (ROE) | -0.5373% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.5373% | 5,968 |
| Net charge-offs to loans | 0.6146% | 1,078 |
| Credit loss provision to net charge-offs | 221.2644% | 1,101 |
| Earnings coverage of net charge-offs (x) | 1.7299% | 3,955 |
| Efficiency ratio | 83.2499% | 1,726 |
| Assets per employee ($millions) | 3.3216% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7456% | 752 |
| Loan loss allowance to noncurrent loans | 76.1156% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 3.8617% | 927 |
| Noncurrent loans to loans | 3.6071% | 1,149 |
| Net loans and leases to total assets | 61.5660% | 3,376 |
| Net loans and leases to deposits | 68.4665% | 3,943 |
| Net loans and leases to core deposits | 77.6303% | 3,344 |
| Total domestic deposits to total assets | 89.9214% | 1,070 |
| Equity capital to assets | 9.6467% | 4,395 |
| Core capital (leverage) ratio | 9.9567% | 3,579 |
| Tier 1 risk-based capital ratio | 14.8870% | 3,852 |
| Total risk-based capital ratio | 16.1285% | 3,821 |
| Memoranda: | ||
| Average total assets | $87,370,000 | 5,121 |
| Average earning assets | $83,383,670 | 5,019 |
| Average equity | $8,561,330 | 5,286 |
| Average total loans | $56,620,000 | 4,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,502 |
| Cost of funding earning assets | 0.4093% | 5,018 |
| Net interest margin | 3.9975% | 1,796 |
| Noninterest income to average assets | 0.1912% | 6,106 |
| Noninterest expense to average assets | 3.6643% | 1,306 |
| Loan and lease loss provision to assets | 0.6828% | 346 |
| Net operating income to assets | -0.1821% | 6,507 |
| Return on assets (ROA) | -0.1821% | 6,546 |
| Pretax return on assets | -0.3323% | 6,608 |
| Return on Equity (ROE) | -1.8441% | 6,554 |
| Retained earnings to average equity (ytd only) | -1.8441% | 6,065 |
| Net charge-offs to loans | 0.8126% | 745 |
| Credit loss provision to net charge-offs | 128.2051% | 1,531 |
| Earnings coverage of net charge-offs (x) | 0.6581% | 3,608 |
| Efficiency ratio | 91.2698% | 1,047 |
| Assets per employee ($millions) | 3.3954% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3387% | 1,352 |
| Loan loss allowance to noncurrent loans | 63.6976% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.5410% | 1,194 |
| Noncurrent loans to loans | 3.6716% | 1,289 |
| Net loans and leases to total assets | 62.5816% | 2,956 |
| Net loans and leases to deposits | 69.7713% | 3,520 |
| Net loans and leases to core deposits | 79.8067% | 2,831 |
| Total domestic deposits to total assets | 89.6953% | 1,234 |
| Equity capital to assets | 9.7712% | 4,464 |
| Core capital (leverage) ratio | 9.8323% | 3,620 |
| Tier 1 risk-based capital ratio | 14.1845% | 4,375 |
| Total risk-based capital ratio | 15.4611% | 4,320 |
| Memoranda: | ||
| Average total assets | $87,874,500 | 5,153 |
| Average earning assets | $84,052,000 | 5,043 |
| Average equity | $8,676,500 | 5,311 |
| Average total loans | $57,595,000 | 4,792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,221 |
| Cost of funding earning assets | 0.4789% | 5,362 |
| Net interest margin | 4.3156% | 1,370 |
| Noninterest income to average assets | 0.2772% | 5,479 |
| Noninterest expense to average assets | 3.1500% | 2,772 |
| Loan and lease loss provision to assets | 1.0172% | 398 |
| Net operating income to assets | 0.1295% | 5,944 |
| Return on assets (ROA) | 0.2683% | 5,793 |
| Pretax return on assets | 0.4471% | 5,436 |
| Return on Equity (ROE) | 2.7236% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.7236% | 4,320 |
| Net charge-offs to loans | 0.9837% | 1,110 |
| Credit loss provision to net charge-offs | 152.6846% | 1,776 |
| Earnings coverage of net charge-offs (x) | 1.8725% | 4,489 |
| Efficiency ratio | 71.6319% | 3,492 |
| Assets per employee ($millions) | 3.4988% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 1,548 |
| Loan loss allowance to noncurrent loans | 85.2048% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.9965% | 1,583 |
| Noncurrent loans to loans | 2.5827% | 2,050 |
| Net loans and leases to total assets | 65.5432% | 2,601 |
| Net loans and leases to deposits | 73.3139% | 3,208 |
| Net loans and leases to core deposits | 83.6568% | 2,588 |
| Total domestic deposits to total assets | 89.4008% | 1,307 |
| Equity capital to assets | 9.9772% | 4,204 |
| Core capital (leverage) ratio | 9.7771% | 3,688 |
| Tier 1 risk-based capital ratio | 14.1637% | 4,268 |
| Total risk-based capital ratio | 15.4396% | 4,211 |
| Memoranda: | ||
| Average total assets | $89,460,800 | 5,103 |
| Average earning assets | $85,411,200 | 4,978 |
| Average equity | $8,812,000 | 5,269 |
| Average total loans | $60,590,000 | 4,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 2,260 |
| Cost of funding earning assets | 0.4887% | 5,514 |
| Net interest margin | 4.3469% | 1,353 |
| Noninterest income to average assets | 0.3009% | 5,374 |
| Noninterest expense to average assets | 3.1510% | 2,715 |
| Loan and lease loss provision to assets | 0.5780% | 990 |
| Net operating income to assets | 0.4107% | 5,205 |
| Return on assets (ROA) | 0.4980% | 5,115 |
| Pretax return on assets | 0.8611% | 4,259 |
| Return on Equity (ROE) | 5.0716% | 4,793 |
| Retained earnings to average equity (ytd only) | 5.0716% | 3,319 |
| Net charge-offs to loans | 1.0674% | 976 |
| Credit loss provision to net charge-offs | 79.7546% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.7976% | 4,367 |
| Efficiency ratio | 70.7488% | 3,547 |
| Assets per employee ($millions) | 3.7485% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,271 |
| Loan loss allowance to noncurrent loans | 93.8972% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1575% | 2,482 |
| Noncurrent loans to loans | 1.5152% | 3,511 |
| Net loans and leases to total assets | 67.5407% | 2,360 |
| Net loans and leases to deposits | 75.2940% | 3,094 |
| Net loans and leases to core deposits | 84.7462% | 2,612 |
| Total domestic deposits to total assets | 89.7027% | 1,009 |
| Equity capital to assets | 9.9216% | 4,617 |
| Core capital (leverage) ratio | 9.7449% | 3,880 |
| Tier 1 risk-based capital ratio | 13.6103% | 4,802 |
| Total risk-based capital ratio | 14.8753% | 4,760 |
| Memoranda: | ||
| Average total assets | $89,958,750 | 5,144 |
| Average earning assets | $85,944,750 | 5,018 |
| Average equity | $8,833,250 | 5,316 |
| Average total loans | $61,082,500 | 4,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 2,351 |
| Cost of funding earning assets | 0.5054% | 5,581 |
| Net interest margin | 4.3316% | 1,390 |
| Noninterest income to average assets | 0.2268% | 5,946 |
| Noninterest expense to average assets | 3.1704% | 2,683 |
| Loan and lease loss provision to assets | 0.5336% | 1,166 |
| Net operating income to assets | 0.3581% | 5,388 |
| Return on assets (ROA) | 0.4691% | 5,202 |
| Pretax return on assets | 0.8315% | 4,350 |
| Return on Equity (ROE) | 4.7942% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.7942% | 3,414 |
| Net charge-offs to loans | 1.1790% | 919 |
| Credit loss provision to net charge-offs | 66.8524% | 3,641 |
| Earnings coverage of net charge-offs (x) | 1.4930% | 4,246 |
| Efficiency ratio | 72.6809% | 3,304 |
| Assets per employee ($millions) | 3.6759% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,464 |
| Loan loss allowance to noncurrent loans | 61.8326% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.3135% | 1,633 |
| Noncurrent loans to loans | 2.2644% | 2,661 |
| Net loans and leases to total assets | 65.6713% | 2,738 |
| Net loans and leases to deposits | 72.9561% | 3,463 |
| Net loans and leases to core deposits | 77.3530% | 3,606 |
| Total domestic deposits to total assets | 90.0149% | 916 |
| Equity capital to assets | 9.6184% | 4,891 |
| Core capital (leverage) ratio | 9.6900% | 3,849 |
| Tier 1 risk-based capital ratio | 13.2353% | 5,012 |
| Total risk-based capital ratio | 14.4679% | 4,999 |
| Memoranda: | ||
| Average total assets | $89,956,670 | 5,169 |
| Average earning assets | $85,880,000 | 5,050 |
| Average equity | $8,802,330 | 5,317 |
| Average total loans | $60,896,670 | 4,745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 2,241 |
| Cost of funding earning assets | 0.5451% | 5,529 |
| Net interest margin | 4.3557% | 1,327 |
| Noninterest income to average assets | 0.2382% | 5,928 |
| Noninterest expense to average assets | 3.2185% | 2,541 |
| Loan and lease loss provision to assets | 0.5394% | 1,096 |
| Net operating income to assets | 0.3956% | 5,275 |
| Return on assets (ROA) | 0.3956% | 5,464 |
| Pretax return on assets | 0.6473% | 4,946 |
| Return on Equity (ROE) | 4.0073% | 5,290 |
| Retained earnings to average equity (ytd only) | 4.0073% | 4,181 |
| Net charge-offs to loans | 0.1251% | 3,357 |
| Credit loss provision to net charge-offs | 631.5789% | 545 |
| Earnings coverage of net charge-offs (x) | 13.8947% | 1,503 |
| Efficiency ratio | 73.0612% | 3,248 |
| Assets per employee ($millions) | 3.4840% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 3,181 |
| Loan loss allowance to noncurrent loans | 56.8938% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 3.5469% | 1,614 |
| Noncurrent loans to loans | 3.0650% | 2,096 |
| Net loans and leases to total assets | 66.9923% | 2,287 |
| Net loans and leases to deposits | 74.5086% | 3,047 |
| Net loans and leases to core deposits | 84.9323% | 2,417 |
| Total domestic deposits to total assets | 89.9122% | 1,135 |
| Equity capital to assets | 9.6672% | 4,567 |
| Core capital (leverage) ratio | 9.6136% | 3,897 |
| Tier 1 risk-based capital ratio | 13.2520% | 5,029 |
| Total risk-based capital ratio | 14.5221% | 4,993 |
| Memoranda: | ||
| Average total assets | $88,986,500 | 5,242 |
| Average earning assets | $85,129,500 | 5,109 |
| Average equity | $8,784,000 | 5,338 |
| Average total loans | $60,741,500 | 4,783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1199% | 2,375 |
| Cost of funding earning assets | 0.7119% | 5,460 |
| Net interest margin | 4.4079% | 1,381 |
| Noninterest income to average assets | 0.2007% | 6,066 |
| Noninterest expense to average assets | 3.3616% | 2,334 |
| Loan and lease loss provision to assets | 0.5420% | 1,937 |
| Net operating income to assets | 0.4441% | 4,675 |
| Return on assets (ROA) | 0.4498% | 4,853 |
| Pretax return on assets | 0.5524% | 4,824 |
| Return on Equity (ROE) | 4.5113% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.5113% | 2,966 |
| Net charge-offs to loans | 0.3773% | 3,524 |
| Credit loss provision to net charge-offs | 209.8214% | 1,173 |
| Earnings coverage of net charge-offs (x) | 4.2098% | 3,218 |
| Efficiency ratio | 75.5573% | 2,966 |
| Assets per employee ($millions) | 3.2366% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 3,448 |
| Loan loss allowance to noncurrent loans | 52.5296% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.6458% | 1,612 |
| Noncurrent loans to loans | 3.1111% | 2,078 |
| Net loans and leases to total assets | 67.2232% | 2,534 |
| Net loans and leases to deposits | 75.1397% | 3,318 |
| Net loans and leases to core deposits | 85.0871% | 2,739 |
| Total domestic deposits to total assets | 89.4642% | 1,288 |
| Equity capital to assets | 10.0826% | 4,060 |
| Core capital (leverage) ratio | 9.7435% | 3,680 |
| Tier 1 risk-based capital ratio | 13.5928% | 4,626 |
| Total risk-based capital ratio | 14.8613% | 4,582 |
| Memoranda: | ||
| Average total assets | $86,714,000 | 5,269 |
| Average earning assets | $83,576,600 | 5,129 |
| Average equity | $8,645,000 | 5,371 |
| Average total loans | $59,375,200 | 4,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 2,356 |
| Cost of funding earning assets | 0.7531% | 5,452 |
| Net interest margin | 4.4039% | 1,395 |
| Noninterest income to average assets | 0.2172% | 6,055 |
| Noninterest expense to average assets | 3.2599% | 2,635 |
| Loan and lease loss provision to assets | 0.4314% | 2,318 |
| Net operating income to assets | 0.7027% | 3,607 |
| Return on assets (ROA) | 0.7040% | 3,767 |
| Pretax return on assets | 0.7795% | 4,199 |
| Return on Equity (ROE) | 7.0822% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.0822% | 1,926 |
| Net charge-offs to loans | 0.4273% | 3,006 |
| Credit loss provision to net charge-offs | 147.3684% | 2,132 |
| Earnings coverage of net charge-offs (x) | 4.1315% | 3,166 |
| Efficiency ratio | 72.9404% | 3,377 |
| Assets per employee ($millions) | 3.4556% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,626 |
| Loan loss allowance to noncurrent loans | 37.6147% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 3.2516% | 1,954 |
| Noncurrent loans to loans | 3.6808% | 1,859 |
| Net loans and leases to total assets | 67.6093% | 2,557 |
| Net loans and leases to deposits | 75.5550% | 3,399 |
| Net loans and leases to core deposits | 84.1842% | 3,040 |
| Total domestic deposits to total assets | 89.4836% | 1,151 |
| Equity capital to assets | 10.3624% | 3,872 |
| Core capital (leverage) ratio | 9.7445% | 3,784 |
| Tier 1 risk-based capital ratio | 13.7143% | 4,563 |
| Total risk-based capital ratio | 14.9800% | 4,515 |
| Memoranda: | ||
| Average total assets | $86,545,500 | 5,312 |
| Average earning assets | $83,560,000 | 5,171 |
| Average equity | $8,603,500 | 5,409 |
| Average total loans | $59,288,750 | 4,933 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 2,524 |
| Cost of funding earning assets | 0.7937% | 5,418 |
| Net interest margin | 4.3437% | 1,527 |
| Noninterest income to average assets | 0.2125% | 6,149 |
| Noninterest expense to average assets | 3.2449% | 2,745 |
| Loan and lease loss provision to assets | 0.4388% | 2,239 |
| Net operating income to assets | 0.6582% | 3,755 |
| Return on assets (ROA) | 0.6582% | 3,880 |
| Pretax return on assets | 0.7252% | 4,298 |
| Return on Equity (ROE) | 6.7159% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.7159% | 2,009 |
| Net charge-offs to loans | 0.6340% | 2,250 |
| Credit loss provision to net charge-offs | 101.0638% | 3,069 |
| Earnings coverage of net charge-offs (x) | 2.6809% | 3,497 |
| Efficiency ratio | 73.5987% | 3,442 |
| Assets per employee ($millions) | 3.5291% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,473 |
| Loan loss allowance to noncurrent loans | 54.3027% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.6760% | 2,496 |
| Noncurrent loans to loans | 2.2432% | 3,168 |
| Net loans and leases to total assets | 67.2825% | 2,765 |
| Net loans and leases to deposits | 74.8264% | 3,669 |
| Net loans and leases to core deposits | 81.2088% | 3,622 |
| Total domestic deposits to total assets | 89.9182% | 1,016 |
| Equity capital to assets | 9.9186% | 4,252 |
| Core capital (leverage) ratio | 9.5926% | 3,813 |
| Tier 1 risk-based capital ratio | 13.0704% | 4,861 |
| Total risk-based capital ratio | 14.2074% | 4,933 |
| Memoranda: | ||
| Average total assets | $86,597,670 | 5,356 |
| Average earning assets | $83,661,330 | 5,208 |
| Average equity | $8,487,330 | 5,461 |
| Average total loans | $59,309,330 | 4,989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 2,285 |
| Cost of funding earning assets | 0.8190% | 5,469 |
| Net interest margin | 4.3648% | 1,375 |
| Noninterest income to average assets | 0.2331% | 6,048 |
| Noninterest expense to average assets | 3.2874% | 2,606 |
| Loan and lease loss provision to assets | 0.4663% | 1,886 |
| Net operating income to assets | 0.6342% | 3,840 |
| Return on assets (ROA) | 0.6342% | 3,911 |
| Pretax return on assets | 0.7041% | 4,298 |
| Return on Equity (ROE) | 6.5107% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5107% | 2,369 |
| Net charge-offs to loans | 0.7468% | 1,725 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 2.2818% | 3,175 |
| Efficiency ratio | 73.7448% | 3,557 |
| Assets per employee ($millions) | 3.4783% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,511 |
| Loan loss allowance to noncurrent loans | 43.6628% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 2,440 |
| Noncurrent loans to loans | 2.8006% | 2,698 |
| Net loans and leases to total assets | 66.8836% | 2,791 |
| Net loans and leases to deposits | 74.2936% | 3,716 |
| Net loans and leases to core deposits | 80.1345% | 3,736 |
| Total domestic deposits to total assets | 90.0261% | 1,139 |
| Equity capital to assets | 9.6346% | 4,272 |
| Core capital (leverage) ratio | 9.6125% | 3,645 |
| Tier 1 risk-based capital ratio | 12.5910% | 5,179 |
| Total risk-based capital ratio | 13.6879% | 5,299 |
| Memoranda: | ||
| Average total assets | $85,782,500 | 5,415 |
| Average earning assets | $83,028,000 | 5,273 |
| Average equity | $8,355,500 | 5,502 |
| Average total loans | $58,917,000 | 5,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 2,289 |
| Cost of funding earning assets | 1.2109% | 4,491 |
| Net interest margin | 4.2876% | 1,864 |
| Noninterest income to average assets | 0.1990% | 6,355 |
| Noninterest expense to average assets | 3.1738% | 3,177 |
| Loan and lease loss provision to assets | 0.3532% | 4,011 |
| Net operating income to assets | 0.7946% | 2,828 |
| Return on assets (ROA) | 0.8900% | 2,562 |
| Pretax return on assets | 0.8900% | 3,331 |
| Return on Equity (ROE) | 9.9335% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.9335% | 539 |
| Net charge-offs to loans | 0.4581% | 3,786 |
| Credit loss provision to net charge-offs | 112.3596% | 3,886 |
| Earnings coverage of net charge-offs (x) | 3.6517% | 3,252 |
| Efficiency ratio | 73.4405% | 3,498 |
| Assets per employee ($millions) | 3.2542% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 5,332 |
| Loan loss allowance to noncurrent loans | 38.1201% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 3.1900% | 2,222 |
| Noncurrent loans to loans | 3.2483% | 2,338 |
| Net loans and leases to total assets | 68.8162% | 2,785 |
| Net loans and leases to deposits | 76.6872% | 3,735 |
| Net loans and leases to core deposits | 83.1391% | 3,729 |
| Total domestic deposits to total assets | 89.7362% | 1,247 |
| Equity capital to assets | 9.8490% | 3,938 |
| Core capital (leverage) ratio | 9.4260% | 3,806 |
| Tier 1 risk-based capital ratio | 12.5979% | 4,939 |
| Total risk-based capital ratio | 13.7342% | 5,021 |
| Memoranda: | ||
| Average total assets | $84,945,400 | 5,444 |
| Average earning assets | $81,676,800 | 5,287 |
| Average equity | $7,610,600 | 5,839 |
| Average total loans | $58,281,800 | 5,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5364% | 2,304 |
| Cost of funding earning assets | 1.2951% | 4,244 |
| Net interest margin | 4.2413% | 2,064 |
| Noninterest income to average assets | 0.1819% | 6,578 |
| Noninterest expense to average assets | 3.1110% | 3,292 |
| Loan and lease loss provision to assets | 0.2979% | 4,195 |
| Net operating income to assets | 0.8452% | 2,824 |
| Return on assets (ROA) | 0.8483% | 2,948 |
| Pretax return on assets | 0.8483% | 3,741 |
| Return on Equity (ROE) | 9.7082% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.7082% | 863 |
| Net charge-offs to loans | 0.2753% | 4,295 |
| Credit loss provision to net charge-offs | 158.3333% | 2,408 |
| Earnings coverage of net charge-offs (x) | 6.0749% | 2,606 |
| Efficiency ratio | 73.1294% | 3,498 |
| Assets per employee ($millions) | 3.2572% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,906 |
| Loan loss allowance to noncurrent loans | 53.0062% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 2,784 |
| Noncurrent loans to loans | 2.4706% | 3,156 |
| Net loans and leases to total assets | 68.2517% | 3,151 |
| Net loans and leases to deposits | 75.4691% | 4,268 |
| Net loans and leases to core deposits | 81.4523% | 4,326 |
| Total domestic deposits to total assets | 90.4367% | 665 |
| Equity capital to assets | 9.1737% | 5,345 |
| Core capital (leverage) ratio | 8.4271% | 5,651 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,954 |
| Total risk-based capital ratio | 12.6923% | 5,969 |
| Memoranda: | ||
| Average total assets | $85,029,750 | 5,501 |
| Average earning assets | $81,639,500 | 5,353 |
| Average equity | $7,430,000 | 5,973 |
| Average total loans | $58,113,750 | 5,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5547% | 2,316 |
| Cost of funding earning assets | 1.3483% | 4,197 |
| Net interest margin | 4.2064% | 2,139 |
| Noninterest income to average assets | 0.1809% | 6,617 |
| Noninterest expense to average assets | 3.0631% | 3,458 |
| Loan and lease loss provision to assets | 0.3054% | 3,947 |
| Net operating income to assets | 0.8503% | 2,729 |
| Return on assets (ROA) | 0.8503% | 2,882 |
| Pretax return on assets | 0.8503% | 3,701 |
| Return on Equity (ROE) | 9.8948% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.8948% | 868 |
| Net charge-offs to loans | -0.0069% | 7,150 |
| Credit loss provision to net charge-offs | -6,500.0000% | 7,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6058% | 3,723 |
| Assets per employee ($millions) | 3.6374% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,459 |
| Loan loss allowance to noncurrent loans | 107.5227% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 4,078 |
| Noncurrent loans to loans | 1.2969% | 4,787 |
| Net loans and leases to total assets | 67.1505% | 3,583 |
| Net loans and leases to deposits | 73.7482% | 4,716 |
| Net loans and leases to core deposits | 79.5962% | 4,731 |
| Total domestic deposits to total assets | 91.0536% | 465 |
| Equity capital to assets | 8.6485% | 5,945 |
| Core capital (leverage) ratio | 8.1801% | 5,975 |
| Tier 1 risk-based capital ratio | 10.8852% | 6,367 |
| Total risk-based capital ratio | 12.1502% | 6,331 |
| Memoranda: | ||
| Average total assets | $85,143,670 | 5,527 |
| Average earning assets | $81,732,000 | 5,381 |
| Average equity | $7,317,000 | 6,027 |
| Average total loans | $57,962,330 | 5,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 2,412 |
| Cost of funding earning assets | 1.3984% | 4,187 |
| Net interest margin | 4.1408% | 2,264 |
| Noninterest income to average assets | 0.1761% | 6,700 |
| Noninterest expense to average assets | 3.0500% | 3,479 |
| Loan and lease loss provision to assets | 0.3331% | 3,398 |
| Net operating income to assets | 0.7661% | 3,128 |
| Return on assets (ROA) | 0.7661% | 3,242 |
| Pretax return on assets | 0.7661% | 4,003 |
| Return on Equity (ROE) | 8.9438% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.9438% | 1,413 |
| Net charge-offs to loans | -0.0070% | 6,845 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5092% | 3,661 |
| Assets per employee ($millions) | 3.5510% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,749 |
| Loan loss allowance to noncurrent loans | 65.9794% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0874% | 3,403 |
| Noncurrent loans to loans | 2.0261% | 3,754 |
| Net loans and leases to total assets | 66.5075% | 3,747 |
| Net loans and leases to deposits | 72.9542% | 4,914 |
| Net loans and leases to core deposits | 80.5357% | 4,699 |
| Total domestic deposits to total assets | 91.1634% | 482 |
| Equity capital to assets | 8.5503% | 5,936 |
| Core capital (leverage) ratio | 8.1158% | 6,047 |
| Tier 1 risk-based capital ratio | 10.5833% | 6,555 |
| Total risk-based capital ratio | 11.7616% | 6,614 |
| Memoranda: | ||
| Average total assets | $84,066,500 | 5,632 |
| Average earning assets | $80,661,500 | 5,483 |
| Average equity | $7,200,500 | 6,115 |
| Average total loans | $57,218,500 | 5,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 3,455 |
| Cost of funding earning assets | 2.0720% | 2,612 |
| Net interest margin | 3.5556% | 4,724 |
| Noninterest income to average assets | 0.2070% | 6,627 |
| Noninterest expense to average assets | 3.3140% | 2,967 |
| Loan and lease loss provision to assets | 0.2813% | 5,173 |
| Net operating income to assets | 0.0425% | 5,356 |
| Return on assets (ROA) | 0.0915% | 5,272 |
| Pretax return on assets | 0.0915% | 5,239 |
| Return on Equity (ROE) | 0.9860% | 5,237 |
| Retained earnings to average equity (ytd only) | 0.9860% | 4,344 |
| Net charge-offs to loans | 0.2268% | 5,201 |
| Credit loss provision to net charge-offs | 181.1966% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2.0855% | 4,171 |
| Efficiency ratio | 91.1014% | 1,628 |
| Assets per employee ($millions) | 3.4545% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,224 |
| Loan loss allowance to noncurrent loans | 100.4323% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 4,011 |
| Noncurrent loans to loans | 1.2178% | 4,919 |
| Net loans and leases to total assets | 67.8957% | 3,724 |
| Net loans and leases to deposits | 74.4748% | 4,955 |
| Net loans and leases to core deposits | 103.2692% | 3,656 |
| Total domestic deposits to total assets | 91.1661% | 470 |
| Equity capital to assets | 8.5806% | 5,754 |
| Core capital (leverage) ratio | 8.1857% | 5,840 |
| Tier 1 risk-based capital ratio | 10.4503% | 6,448 |
| Total risk-based capital ratio | 11.5292% | 6,581 |
| Memoranda: | ||
| Average total assets | $75,377,200 | 5,858 |
| Average earning assets | $72,730,600 | 5,730 |
| Average equity | $6,998,200 | 6,269 |
| Average total loans | $51,577,000 | 5,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 3,885 |
| Cost of funding earning assets | 2.2482% | 2,195 |
| Net interest margin | 3.3480% | 5,449 |
| Noninterest income to average assets | 0.2195% | 6,659 |
| Noninterest expense to average assets | 3.3598% | 2,692 |
| Loan and lease loss provision to assets | 0.3030% | 4,552 |
| Net operating income to assets | -0.2014% | 6,065 |
| Return on assets (ROA) | -0.1415% | 5,990 |
| Pretax return on assets | -0.1415% | 5,901 |
| Return on Equity (ROE) | -1.4923% | 6,020 |
| Retained earnings to average equity (ytd only) | -1.4923% | 5,609 |
| Net charge-offs to loans | 0.2761% | 4,320 |
| Credit loss provision to net charge-offs | 160.5769% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.5384% | 5,495 |
| Efficiency ratio | 97.0650% | 1,208 |
| Assets per employee ($millions) | 3.5443% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 5,034 |
| Loan loss allowance to noncurrent loans | 80.9002% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 3,847 |
| Noncurrent loans to loans | 1.5010% | 4,411 |
| Net loans and leases to total assets | 66.3637% | 4,339 |
| Net loans and leases to deposits | 72.7646% | 5,539 |
| Net loans and leases to core deposits | 96.7124% | 4,735 |
| Total domestic deposits to total assets | 91.2033% | 343 |
| Equity capital to assets | 8.5060% | 6,243 |
| Core capital (leverage) ratio | 8.2741% | 5,878 |
| Tier 1 risk-based capital ratio | 10.4495% | 6,525 |
| Total risk-based capital ratio | 11.5021% | 6,673 |
| Memoranda: | ||
| Average total assets | $73,494,500 | 5,940 |
| Average earning assets | $71,165,500 | 5,813 |
| Average equity | $6,969,250 | 6,324 |
| Average total loans | $50,224,250 | 5,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6652% | 3,736 |
| Cost of funding earning assets | 2.4213% | 1,875 |
| Net interest margin | 3.2439% | 5,757 |
| Noninterest income to average assets | 0.2542% | 6,461 |
| Noninterest expense to average assets | 3.4058% | 2,609 |
| Loan and lease loss provision to assets | 0.2542% | 4,540 |
| Net operating income to assets | -0.2655% | 6,279 |
| Return on assets (ROA) | -0.1920% | 6,201 |
| Pretax return on assets | -0.1920% | 6,114 |
| Return on Equity (ROE) | -1.9481% | 6,215 |
| Retained earnings to average equity (ytd only) | -1.9481% | 5,730 |
| Net charge-offs to loans | 0.3285% | 3,538 |
| Credit loss provision to net charge-offs | 112.5000% | 4,116 |
| Earnings coverage of net charge-offs (x) | -0.0500% | 5,748 |
| Efficiency ratio | 100.3328% | 1,159 |
| Assets per employee ($millions) | 3.3499% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,779 |
| Loan loss allowance to noncurrent loans | 146.7626% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 4,487 |
| Noncurrent loans to loans | 0.8350% | 5,551 |
| Net loans and leases to total assets | 66.9326% | 4,373 |
| Net loans and leases to deposits | 74.0727% | 5,440 |
| Net loans and leases to core deposits | 112.3414% | 3,097 |
| Total domestic deposits to total assets | 90.3607% | 680 |
| Equity capital to assets | 9.2581% | 4,929 |
| Core capital (leverage) ratio | 8.9709% | 4,680 |
| Tier 1 risk-based capital ratio | 11.8566% | 5,039 |
| Total risk-based capital ratio | 12.9538% | 5,126 |
| Memoranda: | ||
| Average total assets | $70,819,670 | 6,058 |
| Average earning assets | $68,559,000 | 5,934 |
| Average equity | $6,981,000 | 6,378 |
| Average total loans | $48,711,000 | 5,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 4,431 |
| Cost of funding earning assets | 2.3805% | 2,378 |
| Net interest margin | 3.2077% | 5,834 |
| Noninterest income to average assets | 0.2191% | 6,725 |
| Noninterest expense to average assets | 3.3208% | 2,597 |
| Loan and lease loss provision to assets | 0.2594% | 3,890 |
| Net operating income to assets | -0.2537% | 6,621 |
| Return on assets (ROA) | -0.2537% | 6,700 |
| Pretax return on assets | -0.2537% | 6,626 |
| Return on Equity (ROE) | -2.4929% | 6,725 |
| Retained earnings to average equity (ytd only) | -2.4929% | 6,194 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8267% | 1,137 |
| Assets per employee ($millions) | 3.5916% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 3,805 |
| Loan loss allowance to noncurrent loans | 115.1246% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 3,954 |
| Noncurrent loans to loans | 1.1722% | 4,640 |
| Net loans and leases to total assets | 65.8462% | 4,619 |
| Net loans and leases to deposits | 73.2712% | 5,575 |
| Net loans and leases to core deposits | 112.2188% | 3,203 |
| Total domestic deposits to total assets | 89.8665% | 860 |
| Equity capital to assets | 9.7952% | 4,245 |
| Core capital (leverage) ratio | 9.7885% | 3,649 |
| Tier 1 risk-based capital ratio | 12.2413% | 4,756 |
| Total risk-based capital ratio | 13.4306% | 4,701 |
| Memoranda: | ||
| Average total assets | $69,380,500 | 6,129 |
| Average earning assets | $67,213,000 | 6,000 |
| Average equity | $7,060,000 | 6,381 |
| Average total loans | $48,096,500 | 5,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3160% | 3,874 |
| Cost of funding earning assets | 2.6800% | 3,258 |
| Net interest margin | 3.6360% | 4,733 |
| Noninterest income to average assets | 0.1868% | 7,111 |
| Noninterest expense to average assets | 3.2604% | 3,115 |
| Loan and lease loss provision to assets | 0.1949% | 4,928 |
| Net operating income to assets | 0.2469% | 5,719 |
| Return on assets (ROA) | 0.2778% | 5,434 |
| Pretax return on assets | 0.2778% | 5,559 |
| Return on Equity (ROE) | 2.5120% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.5120% | 3,635 |
| Net charge-offs to loans | 0.3869% | 2,890 |
| Credit loss provision to net charge-offs | 69.3642% | 6,080 |
| Earnings coverage of net charge-offs (x) | 1.5723% | 5,307 |
| Efficiency ratio | 88.0649% | 1,674 |
| Assets per employee ($millions) | 3.5226% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,166 |
| Loan loss allowance to noncurrent loans | 120.6413% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 3,526 |
| Noncurrent loans to loans | 1.0342% | 4,517 |
| Net loans and leases to total assets | 71.1878% | 3,751 |
| Net loans and leases to deposits | 80.2959% | 4,995 |
| Net loans and leases to core deposits | 114.9925% | 3,237 |
| Total domestic deposits to total assets | 88.6568% | 1,178 |
| Equity capital to assets | 10.5842% | 3,411 |
| Core capital (leverage) ratio | 10.0373% | 3,410 |
| Tier 1 risk-based capital ratio | 12.4582% | 4,468 |
| Total risk-based capital ratio | 13.5771% | 4,451 |
| Memoranda: | ||
| Average total assets | $61,557,800 | 6,335 |
| Average earning assets | $59,515,800 | 6,192 |
| Average equity | $6,807,400 | 6,521 |
| Average total loans | $44,717,800 | 5,940 |