Home > Indiana Business Bank > Performance and Condition Ratios
Indiana Business Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 862 |
| Cost of funding earning assets | 0.5672% | 1,567 |
| Net interest margin | 4.2517% | 1,024 |
| Noninterest income to average assets | 0.2837% | 4,738 |
| Noninterest expense to average assets | 3.7298% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4005% | 5,014 |
| Return on assets (ROA) | 0.4005% | 5,112 |
| Pretax return on assets | 0.6508% | 4,740 |
| Return on Equity (ROE) | 2.1788% | 5,437 |
| Retained earnings to average equity (ytd only) | -5.1975% | 5,743 |
| Net charge-offs to loans | -0.0946% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1429% | 889 |
| Assets per employee ($millions) | 6.0964% | 1,357 |
| Cash dividends to net income (ytd only)* | 338.5484% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 760 |
| Loan loss allowance to noncurrent loans | 147.8955% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 1,788 |
| Noncurrent loans to loans | 1.3303% | 1,662 |
| Net loans and leases to total assets | 83.2852% | 483 |
| Net loans and leases to deposits | 114.0194% | 184 |
| Net loans and leases to core deposits | 124.4247% | 405 |
| Total domestic deposits to total assets | 73.0447% | 5,520 |
| Equity capital to assets | 18.6684% | 289 |
| Core capital (leverage) ratio | 16.9516% | 369 |
| Tier 1 risk-based capital ratio | 22.3856% | 1,079 |
| Total risk-based capital ratio | 23.6565% | 1,057 |
| Memoranda: | ||
| Average total assets | $63,915,500 | 5,097 |
| Average earning assets | $61,590,000 | 5,029 |
| Average equity | $11,749,000 | 4,329 |
| Average total loans | $50,715,500 | 4,594 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 925 |
| Cost of funding earning assets | 0.5629% | 1,593 |
| Net interest margin | 4.2152% | 1,086 |
| Noninterest income to average assets | 0.3359% | 4,381 |
| Noninterest expense to average assets | 3.6333% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4715% | 4,791 |
| Return on assets (ROA) | 0.4715% | 4,887 |
| Pretax return on assets | 0.7643% | 4,409 |
| Return on Equity (ROE) | 2.5776% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.5776% | 4,247 |
| Net charge-offs to loans | 0.0199% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 1,003 |
| Efficiency ratio | 82.6209% | 1,196 |
| Assets per employee ($millions) | 5.7416% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 802 |
| Loan loss allowance to noncurrent loans | 133.7893% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 1,824 |
| Noncurrent loans to loans | 1.4650% | 1,503 |
| Net loans and leases to total assets | 77.4565% | 1,261 |
| Net loans and leases to deposits | 112.9036% | 194 |
| Net loans and leases to core deposits | 123.5198% | 424 |
| Total domestic deposits to total assets | 68.6041% | 5,824 |
| Equity capital to assets | 18.9620% | 265 |
| Core capital (leverage) ratio | 17.8634% | 305 |
| Tier 1 risk-based capital ratio | 24.1577% | 887 |
| Total risk-based capital ratio | 25.4286% | 873 |
| Memoranda: | ||
| Average total assets | $64,899,330 | 5,125 |
| Average earning assets | $62,535,670 | 5,061 |
| Average equity | $11,871,670 | 4,339 |
| Average total loans | $50,356,330 | 4,634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 865 |
| Cost of funding earning assets | 0.5682% | 1,555 |
| Net interest margin | 4.2236% | 1,056 |
| Noninterest income to average assets | 0.2189% | 5,171 |
| Noninterest expense to average assets | 3.7464% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3345% | 5,196 |
| Return on assets (ROA) | 0.3345% | 5,283 |
| Pretax return on assets | 0.5413% | 4,979 |
| Return on Equity (ROE) | 1.8613% | 5,528 |
| Retained earnings to average equity (ytd only) | 1.8613% | 4,512 |
| Net charge-offs to loans | -0.0237% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3759% | 861 |
| Assets per employee ($millions) | 5.2728% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 798 |
| Loan loss allowance to noncurrent loans | 115.8637% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.3449% | 1,580 |
| Noncurrent loans to loans | 1.7399% | 1,283 |
| Net loans and leases to total assets | 75.7404% | 1,430 |
| Net loans and leases to deposits | 108.0586% | 281 |
| Net loans and leases to core deposits | 117.9639% | 529 |
| Total domestic deposits to total assets | 70.0920% | 5,860 |
| Equity capital to assets | 18.7565% | 275 |
| Core capital (leverage) ratio | 17.0565% | 366 |
| Tier 1 risk-based capital ratio | 23.8327% | 928 |
| Total risk-based capital ratio | 25.1045% | 920 |
| Memoranda: | ||
| Average total assets | $65,770,000 | 5,158 |
| Average earning assets | $63,359,000 | 5,091 |
| Average equity | $11,819,500 | 4,357 |
| Average total loans | $50,585,500 | 4,654 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 1,105 |
| Cost of funding earning assets | 0.5334% | 1,894 |
| Net interest margin | 4.1667% | 1,243 |
| Noninterest income to average assets | 0.7000% | 2,202 |
| Noninterest expense to average assets | 3.7417% | 926 |
| Loan and lease loss provision to assets | 0.0448% | 3,432 |
| Net operating income to assets | 1.1597% | 1,700 |
| Return on assets (ROA) | 1.1597% | 1,774 |
| Pretax return on assets | 0.9358% | 3,704 |
| Return on Equity (ROE) | 6.8148% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.6308% | 1,995 |
| Net charge-offs to loans | -0.1985% | 5,950 |
| Credit loss provision to net charge-offs | -28.8462% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2351% | 1,787 |
| Assets per employee ($millions) | 5.6888% | 1,623 |
| Cash dividends to net income (ytd only)* | 17.3745% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 993 |
| Loan loss allowance to noncurrent loans | 62.1913% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.3130% | 700 |
| Noncurrent loans to loans | 3.0214% | 527 |
| Net loans and leases to total assets | 75.1165% | 1,549 |
| Net loans and leases to deposits | 115.5739% | 149 |
| Net loans and leases to core deposits | 126.1631% | 331 |
| Total domestic deposits to total assets | 64.9943% | 6,028 |
| Equity capital to assets | 17.2428% | 384 |
| Core capital (leverage) ratio | 17.1188% | 353 |
| Tier 1 risk-based capital ratio | 21.4677% | 1,219 |
| Total risk-based capital ratio | 22.7421% | 1,198 |
| Memoranda: | ||
| Average total assets | $67,001,200 | 5,157 |
| Average earning assets | $64,679,000 | 5,069 |
| Average equity | $11,401,600 | 4,406 |
| Average total loans | $52,398,400 | 4,599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,166 |
| Cost of funding earning assets | 0.5405% | 1,883 |
| Net interest margin | 4.1249% | 1,338 |
| Noninterest income to average assets | 0.8038% | 1,791 |
| Noninterest expense to average assets | 3.7769% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2356% | 1,539 |
| Return on assets (ROA) | 1.2356% | 1,594 |
| Pretax return on assets | 1.0097% | 3,577 |
| Return on Equity (ROE) | 7.2859% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,448 |
| Net charge-offs to loans | -0.2492% | 6,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9056% | 1,821 |
| Assets per employee ($millions) | 5.2009% | 2,066 |
| Cash dividends to net income (ytd only)* | 21.8452% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 1,142 |
| Loan loss allowance to noncurrent loans | 112.3369% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 1,724 |
| Noncurrent loans to loans | 1.6614% | 1,473 |
| Net loans and leases to total assets | 79.7808% | 849 |
| Net loans and leases to deposits | 118.0045% | 122 |
| Net loans and leases to core deposits | 129.4274% | 282 |
| Total domestic deposits to total assets | 67.6083% | 6,051 |
| Equity capital to assets | 18.6201% | 297 |
| Core capital (leverage) ratio | 16.8552% | 393 |
| Tier 1 risk-based capital ratio | 22.2083% | 1,164 |
| Total risk-based capital ratio | 23.4846% | 1,140 |
| Memoranda: | ||
| Average total assets | $66,685,000 | 5,227 |
| Average earning assets | $64,387,500 | 5,140 |
| Average equity | $11,309,250 | 4,475 |
| Average total loans | $52,432,750 | 4,648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5613% | 1,375 |
| Cost of funding earning assets | 0.5409% | 1,898 |
| Net interest margin | 4.0204% | 1,582 |
| Noninterest income to average assets | 0.8251% | 1,678 |
| Noninterest expense to average assets | 3.7792% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1511% | 1,777 |
| Return on assets (ROA) | 1.1511% | 1,841 |
| Pretax return on assets | 0.9309% | 3,845 |
| Return on Equity (ROE) | 6.9967% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.5871% | 3,116 |
| Net charge-offs to loans | -0.5095% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2369% | 1,726 |
| Assets per employee ($millions) | 5.5343% | 1,705 |
| Cash dividends to net income (ytd only)* | 34.4388% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 1,190 |
| Loan loss allowance to noncurrent loans | 104.1270% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 1,759 |
| Noncurrent loans to loans | 1.8134% | 1,406 |
| Net loans and leases to total assets | 76.9846% | 1,222 |
| Net loans and leases to deposits | 113.6358% | 191 |
| Net loans and leases to core deposits | 127.0899% | 324 |
| Total domestic deposits to total assets | 67.7468% | 6,120 |
| Equity capital to assets | 17.0978% | 407 |
| Core capital (leverage) ratio | 16.1309% | 449 |
| Tier 1 risk-based capital ratio | 20.3616% | 1,472 |
| Total risk-based capital ratio | 21.6342% | 1,444 |
| Memoranda: | ||
| Average total assets | $68,109,670 | 5,251 |
| Average earning assets | $65,815,000 | 5,157 |
| Average equity | $11,205,330 | 4,524 |
| Average total loans | $52,997,330 | 4,673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 1,498 |
| Cost of funding earning assets | 0.5400% | 1,927 |
| Net interest margin | 3.9477% | 1,722 |
| Noninterest income to average assets | 0.9861% | 1,148 |
| Noninterest expense to average assets | 3.8516% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1717% | 1,629 |
| Return on assets (ROA) | 1.1717% | 1,734 |
| Pretax return on assets | 0.9513% | 3,685 |
| Return on Equity (ROE) | 7.2593% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.6656% | 3,809 |
| Net charge-offs to loans | -1.7889% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1932% | 1,877 |
| Assets per employee ($millions) | 4.7279% | 2,723 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 951 |
| Loan loss allowance to noncurrent loans | 100.2765% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6392% | 1,550 |
| Noncurrent loans to loans | 2.0731% | 1,249 |
| Net loans and leases to total assets | 77.4274% | 1,008 |
| Net loans and leases to deposits | 108.2823% | 250 |
| Net loans and leases to core deposits | 120.3984% | 403 |
| Total domestic deposits to total assets | 71.5052% | 6,059 |
| Equity capital to assets | 16.9464% | 433 |
| Core capital (leverage) ratio | 15.5451% | 527 |
| Tier 1 risk-based capital ratio | 20.3970% | 1,543 |
| Total risk-based capital ratio | 21.6582% | 1,512 |
| Memoranda: | ||
| Average total assets | $68,958,500 | 5,284 |
| Average earning assets | $66,672,500 | 5,176 |
| Average equity | $11,130,500 | 4,573 |
| Average total loans | $53,440,500 | 4,688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 1,067 |
| Cost of funding earning assets | 0.5356% | 2,331 |
| Net interest margin | 4.2864% | 1,081 |
| Noninterest income to average assets | 0.5782% | 2,999 |
| Noninterest expense to average assets | 3.7664% | 1,040 |
| Loan and lease loss provision to assets | 0.1701% | 1,531 |
| Net operating income to assets | 1.1653% | 1,694 |
| Return on assets (ROA) | 1.1653% | 1,770 |
| Pretax return on assets | 0.7956% | 4,276 |
| Return on Equity (ROE) | 7.4184% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.2531% | 2,431 |
| Net charge-offs to loans | 0.2603% | 1,658 |
| Credit loss provision to net charge-offs | 82.1429% | 2,827 |
| Earnings coverage of net charge-offs (x) | 4.6643% | 3,592 |
| Efficiency ratio | 79.5938% | 1,992 |
| Assets per employee ($millions) | 5.5174% | 1,755 |
| Cash dividends to net income (ytd only)* | 29.1878% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,232 |
| Loan loss allowance to noncurrent loans | 66.9819% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 1,488 |
| Noncurrent loans to loans | 2.3266% | 1,119 |
| Net loans and leases to total assets | 74.8585% | 1,442 |
| Net loans and leases to deposits | 110.4385% | 224 |
| Net loans and leases to core deposits | 122.4330% | 351 |
| Total domestic deposits to total assets | 67.7830% | 6,276 |
| Equity capital to assets | 15.3975% | 631 |
| Core capital (leverage) ratio | 15.6357% | 516 |
| Tier 1 risk-based capital ratio | 19.4401% | 1,736 |
| Total risk-based capital ratio | 20.6946% | 1,705 |
| Memoranda: | ||
| Average total assets | $67,623,400 | 5,357 |
| Average earning assets | $65,532,400 | 5,242 |
| Average equity | $10,622,200 | 4,630 |
| Average total loans | $53,780,800 | 4,699 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 1,104 |
| Cost of funding earning assets | 0.5412% | 2,362 |
| Net interest margin | 4.2613% | 1,128 |
| Noninterest income to average assets | 0.6306% | 2,683 |
| Noninterest expense to average assets | 3.8719% | 885 |
| Loan and lease loss provision to assets | 0.2302% | 963 |
| Net operating income to assets | 0.9590% | 2,648 |
| Return on assets (ROA) | 0.9590% | 2,724 |
| Pretax return on assets | 0.6587% | 4,845 |
| Return on Equity (ROE) | 6.0727% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.6005% | 4,088 |
| Net charge-offs to loans | 0.7165% | 483 |
| Credit loss provision to net charge-offs | 39.9306% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.5417% | 4,133 |
| Efficiency ratio | 81.3288% | 1,705 |
| Assets per employee ($millions) | 4.7081% | 2,659 |
| Cash dividends to net income (ytd only)* | 40.7093% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 3,644 |
| Loan loss allowance to noncurrent loans | 52.9057% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 1,423 |
| Noncurrent loans to loans | 2.4576% | 1,202 |
| Net loans and leases to total assets | 80.7325% | 637 |
| Net loans and leases to deposits | 111.8317% | 185 |
| Net loans and leases to core deposits | 124.2708% | 307 |
| Total domestic deposits to total assets | 72.1910% | 6,162 |
| Equity capital to assets | 16.2909% | 522 |
| Core capital (leverage) ratio | 15.3898% | 563 |
| Tier 1 risk-based capital ratio | 19.2446% | 1,843 |
| Total risk-based capital ratio | 20.4966% | 1,813 |
| Memoranda: | ||
| Average total assets | $66,597,750 | 5,439 |
| Average earning assets | $64,548,250 | 5,317 |
| Average equity | $10,516,750 | 4,685 |
| Average total loans | $53,590,250 | 4,748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,131 |
| Cost of funding earning assets | 0.5402% | 2,433 |
| Net interest margin | 4.2290% | 1,183 |
| Noninterest income to average assets | 0.4400% | 3,944 |
| Noninterest expense to average assets | 3.8219% | 944 |
| Loan and lease loss provision to assets | 0.2544% | 853 |
| Net operating income to assets | 0.7632% | 3,499 |
| Return on assets (ROA) | 0.7632% | 3,606 |
| Pretax return on assets | 0.4639% | 5,379 |
| Return on Equity (ROE) | 4.8837% | 4,731 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,980 |
| Net charge-offs to loans | -0.3104% | 6,441 |
| Credit loss provision to net charge-offs | -102.4096% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1793% | 1,488 |
| Assets per employee ($millions) | 4.3591% | 3,161 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 1,442 |
| Loan loss allowance to noncurrent loans | 39.1664% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 4.0727% | 515 |
| Noncurrent loans to loans | 4.9950% | 398 |
| Net loans and leases to total assets | 79.9407% | 692 |
| Net loans and leases to deposits | 112.8820% | 152 |
| Net loans and leases to core deposits | 125.8245% | 271 |
| Total domestic deposits to total assets | 70.8179% | 6,319 |
| Equity capital to assets | 16.1273% | 530 |
| Core capital (leverage) ratio | 15.5670% | 534 |
| Tier 1 risk-based capital ratio | 19.1034% | 1,897 |
| Total risk-based capital ratio | 20.3621% | 1,857 |
| Memoranda: | ||
| Average total assets | $66,825,670 | 5,479 |
| Average earning assets | $64,790,670 | 5,360 |
| Average equity | $10,443,000 | 4,718 |
| Average total loans | $53,482,000 | 4,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 967 |
| Cost of funding earning assets | 0.5373% | 2,533 |
| Net interest margin | 4.3046% | 984 |
| Noninterest income to average assets | 0.5093% | 3,334 |
| Noninterest expense to average assets | 3.7841% | 1,011 |
| Loan and lease loss provision to assets | 0.5034% | 292 |
| Net operating income to assets | 0.6929% | 3,724 |
| Return on assets (ROA) | 0.6929% | 3,803 |
| Pretax return on assets | 0.3968% | 5,463 |
| Return on Equity (ROE) | 4.5035% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.3079% | 5,612 |
| Net charge-offs to loans | -0.2240% | 6,418 |
| Credit loss provision to net charge-offs | -283.3333% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7838% | 2,083 |
| Assets per employee ($millions) | 4.7481% | 2,600 |
| Cash dividends to net income (ytd only)* | 106.8376% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 1,791 |
| Loan loss allowance to noncurrent loans | 42.1389% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.5308% | 735 |
| Noncurrent loans to loans | 4.4814% | 538 |
| Net loans and leases to total assets | 77.2991% | 845 |
| Net loans and leases to deposits | 108.0383% | 191 |
| Net loans and leases to core deposits | 120.0622% | 327 |
| Total domestic deposits to total assets | 71.5478% | 6,385 |
| Equity capital to assets | 15.6439% | 581 |
| Core capital (leverage) ratio | 14.6760% | 656 |
| Tier 1 risk-based capital ratio | 18.9852% | 1,977 |
| Total risk-based capital ratio | 20.2441% | 1,934 |
| Memoranda: | ||
| Average total assets | $67,545,500 | 5,520 |
| Average earning assets | $65,511,000 | 5,389 |
| Average equity | $10,392,000 | 4,750 |
| Average total loans | $53,566,500 | 4,805 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 984 |
| Cost of funding earning assets | 0.5384% | 3,212 |
| Net interest margin | 4.4267% | 861 |
| Noninterest income to average assets | 0.6011% | 3,093 |
| Noninterest expense to average assets | 3.7467% | 1,223 |
| Loan and lease loss provision to assets | 0.3699% | 844 |
| Net operating income to assets | 1.1405% | 1,792 |
| Return on assets (ROA) | 1.1405% | 1,856 |
| Pretax return on assets | 0.7552% | 4,318 |
| Return on Equity (ROE) | 7.3124% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.3124% | 1,312 |
| Net charge-offs to loans | 1.1077% | 505 |
| Credit loss provision to net charge-offs | 41.5945% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.2652% | 4,644 |
| Efficiency ratio | 76.9060% | 2,637 |
| Assets per employee ($millions) | 4.5745% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 2,780 |
| Loan loss allowance to noncurrent loans | 32.4425% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 3.9261% | 686 |
| Noncurrent loans to loans | 4.9196% | 522 |
| Net loans and leases to total assets | 78.5319% | 763 |
| Net loans and leases to deposits | 108.4442% | 196 |
| Net loans and leases to core deposits | 120.8391% | 316 |
| Total domestic deposits to total assets | 72.4169% | 6,394 |
| Equity capital to assets | 15.1345% | 650 |
| Core capital (leverage) ratio | 15.0674% | 596 |
| Tier 1 risk-based capital ratio | 18.1402% | 2,203 |
| Total risk-based capital ratio | 19.3951% | 2,162 |
| Memoranda: | ||
| Average total assets | $64,883,600 | 5,625 |
| Average earning assets | $62,597,800 | 5,519 |
| Average equity | $10,119,800 | 4,817 |
| Average total loans | $52,090,800 | 4,886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 805 |
| Cost of funding earning assets | 0.5454% | 3,313 |
| Net interest margin | 4.5318% | 695 |
| Noninterest income to average assets | 0.7443% | 2,390 |
| Noninterest expense to average assets | 3.8758% | 993 |
| Loan and lease loss provision to assets | 0.3753% | 827 |
| Net operating income to assets | 1.1717% | 1,734 |
| Return on assets (ROA) | 1.1717% | 1,806 |
| Pretax return on assets | 0.8590% | 4,056 |
| Return on Equity (ROE) | 7.4532% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.4532% | 1,667 |
| Net charge-offs to loans | 1.1253% | 498 |
| Credit loss provision to net charge-offs | 41.4747% | 3,681 |
| Earnings coverage of net charge-offs (x) | 1.3641% | 4,379 |
| Efficiency ratio | 75.8466% | 2,756 |
| Assets per employee ($millions) | 4.4909% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,174 |
| Loan loss allowance to noncurrent loans | 47.9459% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.1747% | 1,135 |
| Noncurrent loans to loans | 3.8384% | 936 |
| Net loans and leases to total assets | 81.1872% | 434 |
| Net loans and leases to deposits | 115.7303% | 98 |
| Net loans and leases to core deposits | 130.8519% | 179 |
| Total domestic deposits to total assets | 70.1521% | 6,592 |
| Equity capital to assets | 16.2537% | 507 |
| Core capital (leverage) ratio | 15.7024% | 539 |
| Tier 1 risk-based capital ratio | 19.6175% | 1,835 |
| Total risk-based capital ratio | 20.8760% | 1,794 |
| Memoranda: | ||
| Average total assets | $63,950,000 | 5,708 |
| Average earning assets | $61,607,000 | 5,608 |
| Average equity | $10,053,500 | 4,888 |
| Average total loans | $51,423,250 | 4,952 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 845 |
| Cost of funding earning assets | 0.5599% | 3,317 |
| Net interest margin | 4.4891% | 720 |
| Noninterest income to average assets | 0.9890% | 1,560 |
| Noninterest expense to average assets | 3.8750% | 1,010 |
| Loan and lease loss provision to assets | 0.3732% | 874 |
| Net operating income to assets | 1.3653% | 1,154 |
| Return on assets (ROA) | 1.3653% | 1,238 |
| Pretax return on assets | 1.0543% | 3,278 |
| Return on Equity (ROE) | 8.7815% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.7815% | 1,189 |
| Net charge-offs to loans | 0.8550% | 727 |
| Credit loss provision to net charge-offs | 54.7945% | 3,122 |
| Earnings coverage of net charge-offs (x) | 2.0959% | 3,823 |
| Efficiency ratio | 73.0792% | 3,292 |
| Assets per employee ($millions) | 4.5159% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2398% | 1,351 |
| Loan loss allowance to noncurrent loans | 50.1579% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 4.5189% | 730 |
| Noncurrent loans to loans | 4.4654% | 783 |
| Net loans and leases to total assets | 76.7695% | 896 |
| Net loans and leases to deposits | 105.7429% | 226 |
| Net loans and leases to core deposits | 116.3235% | 384 |
| Total domestic deposits to total assets | 72.6002% | 6,529 |
| Equity capital to assets | 16.0527% | 517 |
| Core capital (leverage) ratio | 15.4647% | 527 |
| Tier 1 risk-based capital ratio | 19.4539% | 1,868 |
| Total risk-based capital ratio | 20.7147% | 1,842 |
| Memoranda: | ||
| Average total assets | $64,309,330 | 5,743 |
| Average earning assets | $61,794,000 | 5,640 |
| Average equity | $9,998,330 | 4,938 |
| Average total loans | $51,230,670 | 4,976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 649 |
| Cost of funding earning assets | 0.5849% | 3,255 |
| Net interest margin | 4.5830% | 575 |
| Noninterest income to average assets | 0.8203% | 2,048 |
| Noninterest expense to average assets | 3.7130% | 1,227 |
| Loan and lease loss provision to assets | 0.3701% | 863 |
| Net operating income to assets | 1.4433% | 967 |
| Return on assets (ROA) | 1.4433% | 1,046 |
| Pretax return on assets | 1.1349% | 2,839 |
| Return on Equity (ROE) | 9.4326% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.4326% | 1,262 |
| Net charge-offs to loans | -0.1461% | 6,597 |
| Credit loss provision to net charge-offs | -315.7895% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1584% | 3,765 |
| Assets per employee ($millions) | 5.4059% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 1,161 |
| Loan loss allowance to noncurrent loans | 100.7026% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 3.0152% | 1,488 |
| Noncurrent loans to loans | 2.4447% | 2,109 |
| Net loans and leases to total assets | 78.7871% | 533 |
| Net loans and leases to deposits | 106.1761% | 195 |
| Net loans and leases to core deposits | 116.2516% | 347 |
| Total domestic deposits to total assets | 74.2042% | 6,525 |
| Equity capital to assets | 15.4800% | 643 |
| Core capital (leverage) ratio | 15.6128% | 501 |
| Tier 1 risk-based capital ratio | 18.1055% | 2,317 |
| Total risk-based capital ratio | 19.3701% | 2,277 |
| Memoranda: | ||
| Average total assets | $64,852,500 | 5,782 |
| Average earning assets | $62,229,500 | 5,670 |
| Average equity | $9,923,000 | 5,002 |
| Average total loans | $52,022,000 | 4,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 491 |
| Cost of funding earning assets | 0.8693% | 2,146 |
| Net interest margin | 4.7441% | 601 |
| Noninterest income to average assets | 0.6536% | 2,971 |
| Noninterest expense to average assets | 3.7549% | 1,322 |
| Loan and lease loss provision to assets | 0.4368% | 1,455 |
| Net operating income to assets | 1.4077% | 1,086 |
| Return on assets (ROA) | 1.3982% | 1,217 |
| Pretax return on assets | 1.0055% | 3,530 |
| Return on Equity (ROE) | 9.5383% | 2,391 |
| Retained earnings to average equity (ytd only) | 8.4451% | 986 |
| Net charge-offs to loans | 1.0105% | 1,078 |
| Credit loss provision to net charge-offs | 51.8657% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.7239% | 4,572 |
| Efficiency ratio | 72.1183% | 3,395 |
| Assets per employee ($millions) | 5.4028% | 1,778 |
| Cash dividends to net income (ytd only)* | 11.4607% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 1,313 |
| Loan loss allowance to noncurrent loans | 92.6549% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 1,515 |
| Noncurrent loans to loans | 2.5308% | 2,087 |
| Net loans and leases to total assets | 77.7879% | 703 |
| Net loans and leases to deposits | 100.3402% | 401 |
| Net loans and leases to core deposits | 111.0712% | 502 |
| Total domestic deposits to total assets | 77.5241% | 6,161 |
| Equity capital to assets | 15.1217% | 707 |
| Core capital (leverage) ratio | 15.4224% | 518 |
| Tier 1 risk-based capital ratio | 17.6068% | 2,412 |
| Total risk-based capital ratio | 18.8700% | 2,374 |
| Memoranda: | ||
| Average total assets | $63,651,000 | 5,832 |
| Average earning assets | $61,087,000 | 5,703 |
| Average equity | $9,330,800 | 5,142 |
| Average total loans | $53,045,400 | 4,982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 490 |
| Cost of funding earning assets | 0.9318% | 1,966 |
| Net interest margin | 4.7401% | 618 |
| Noninterest income to average assets | 0.4882% | 3,996 |
| Noninterest expense to average assets | 3.6976% | 1,363 |
| Loan and lease loss provision to assets | 0.5009% | 1,223 |
| Net operating income to assets | 1.1554% | 1,882 |
| Return on assets (ROA) | 1.1554% | 2,079 |
| Pretax return on assets | 0.8397% | 4,337 |
| Return on Equity (ROE) | 7.9455% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.1929% | 2,016 |
| Net charge-offs to loans | 0.4869% | 2,156 |
| Credit loss provision to net charge-offs | 122.0513% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,720 |
| Efficiency ratio | 73.3918% | 3,084 |
| Assets per employee ($millions) | 5.5638% | 1,573 |
| Cash dividends to net income (ytd only)* | 9.4716% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9088% | 794 |
| Loan loss allowance to noncurrent loans | 45.5998% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 6.5831% | 564 |
| Noncurrent loans to loans | 6.3789% | 606 |
| Net loans and leases to total assets | 82.5169% | 305 |
| Net loans and leases to deposits | 107.4739% | 204 |
| Net loans and leases to core deposits | 120.5759% | 295 |
| Total domestic deposits to total assets | 76.7785% | 6,270 |
| Equity capital to assets | 15.5093% | 701 |
| Core capital (leverage) ratio | 15.2834% | 568 |
| Tier 1 risk-based capital ratio | 17.4067% | 2,574 |
| Total risk-based capital ratio | 18.6773% | 2,537 |
| Memoranda: | ||
| Average total assets | $63,355,250 | 5,898 |
| Average earning assets | $60,812,500 | 5,776 |
| Average equity | $9,212,500 | 5,213 |
| Average total loans | $53,395,750 | 5,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 466 |
| Cost of funding earning assets | 0.9925% | 1,810 |
| Net interest margin | 4.7291% | 636 |
| Noninterest income to average assets | 0.5338% | 3,698 |
| Noninterest expense to average assets | 3.6396% | 1,489 |
| Loan and lease loss provision to assets | 0.5619% | 1,087 |
| Net operating income to assets | 1.1955% | 1,734 |
| Return on assets (ROA) | 1.1955% | 1,931 |
| Pretax return on assets | 0.8834% | 4,144 |
| Return on Equity (ROE) | 8.3997% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.2593% | 1,977 |
| Net charge-offs to loans | 0.5162% | 2,040 |
| Credit loss provision to net charge-offs | 129.4964% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.3309% | 3,418 |
| Efficiency ratio | 71.5777% | 3,503 |
| Assets per employee ($millions) | 4.7892% | 2,455 |
| Cash dividends to net income (ytd only)* | 13.5770% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9085% | 864 |
| Loan loss allowance to noncurrent loans | 56.4649% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 5.4402% | 826 |
| Noncurrent loans to loans | 5.1510% | 936 |
| Net loans and leases to total assets | 81.0164% | 403 |
| Net loans and leases to deposits | 104.5952% | 267 |
| Net loans and leases to core deposits | 131.4432% | 204 |
| Total domestic deposits to total assets | 77.4571% | 6,255 |
| Equity capital to assets | 14.9440% | 804 |
| Core capital (leverage) ratio | 14.2873% | 739 |
| Tier 1 risk-based capital ratio | 17.3230% | 2,539 |
| Total risk-based capital ratio | 18.5826% | 2,500 |
| Memoranda: | ||
| Average total assets | $64,073,000 | 5,914 |
| Average earning assets | $61,660,670 | 5,779 |
| Average equity | $9,119,330 | 5,234 |
| Average total loans | $53,856,000 | 5,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 474 |
| Cost of funding earning assets | 1.0290% | 1,820 |
| Net interest margin | 4.7167% | 664 |
| Noninterest income to average assets | 0.8187% | 2,070 |
| Noninterest expense to average assets | 3.7488% | 1,300 |
| Loan and lease loss provision to assets | 0.5540% | 1,059 |
| Net operating income to assets | 1.3666% | 1,287 |
| Return on assets (ROA) | 1.3666% | 1,440 |
| Pretax return on assets | 1.0588% | 3,473 |
| Return on Equity (ROE) | 9.8372% | 2,461 |
| Retained earnings to average equity (ytd only) | 7.5330% | 2,163 |
| Net charge-offs to loans | 0.7444% | 1,373 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.5686% | 3,141 |
| Efficiency ratio | 69.9196% | 3,829 |
| Assets per employee ($millions) | 4.9516% | 2,314 |
| Cash dividends to net income (ytd only)* | 23.4234% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6802% | 1,140 |
| Loan loss allowance to noncurrent loans | 66.2273% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 4.5813% | 1,160 |
| Noncurrent loans to loans | 4.0469% | 1,503 |
| Net loans and leases to total assets | 82.1876% | 273 |
| Net loans and leases to deposits | 103.6987% | 259 |
| Net loans and leases to core deposits | 135.1721% | 166 |
| Total domestic deposits to total assets | 79.2562% | 6,022 |
| Equity capital to assets | 14.1415% | 972 |
| Core capital (leverage) ratio | 13.8270% | 851 |
| Tier 1 risk-based capital ratio | 16.6456% | 2,842 |
| Total risk-based capital ratio | 17.9138% | 2,787 |
| Memoranda: | ||
| Average total assets | $64,980,000 | 5,920 |
| Average earning assets | $62,586,000 | 5,794 |
| Average equity | $9,027,000 | 5,273 |
| Average total loans | $54,808,500 | 5,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 1,438 |
| Cost of funding earning assets | 1.2741% | 1,598 |
| Net interest margin | 4.1176% | 2,359 |
| Noninterest income to average assets | 0.7922% | 2,108 |
| Noninterest expense to average assets | 3.2515% | 2,686 |
| Loan and lease loss provision to assets | 0.7221% | 1,417 |
| Net operating income to assets | 1.1203% | 1,755 |
| Return on assets (ROA) | 1.1203% | 1,879 |
| Pretax return on assets | 0.7698% | 4,082 |
| Return on Equity (ROE) | 9.5017% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.5017% | 672 |
| Net charge-offs to loans | 0.9628% | 1,790 |
| Credit loss provision to net charge-offs | 92.9603% | 3,878 |
| Earnings coverage of net charge-offs (x) | 1.9206% | 4,333 |
| Efficiency ratio | 68.5486% | 4,244 |
| Assets per employee ($millions) | 5.4658% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 1,125 |
| Loan loss allowance to noncurrent loans | 61.6709% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 4.7737% | 1,138 |
| Noncurrent loans to loans | 4.3109% | 1,412 |
| Net loans and leases to total assets | 82.0046% | 340 |
| Net loans and leases to deposits | 102.4515% | 355 |
| Net loans and leases to core deposits | 141.6465% | 165 |
| Total domestic deposits to total assets | 80.0424% | 5,731 |
| Equity capital to assets | 13.6471% | 1,194 |
| Core capital (leverage) ratio | 13.5140% | 958 |
| Tier 1 risk-based capital ratio | 16.1619% | 2,971 |
| Total risk-based capital ratio | 17.4288% | 2,930 |
| Memoranda: | ||
| Average total assets | $71,321,200 | 5,711 |
| Average earning assets | $68,438,200 | 5,598 |
| Average equity | $8,409,000 | 5,435 |
| Average total loans | $57,540,600 | 4,965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 1,801 |
| Cost of funding earning assets | 1.3323% | 1,543 |
| Net interest margin | 3.9834% | 2,989 |
| Noninterest income to average assets | 0.9071% | 1,621 |
| Noninterest expense to average assets | 3.2492% | 2,665 |
| Loan and lease loss provision to assets | 0.8430% | 1,087 |
| Net operating income to assets | 0.6341% | 3,948 |
| Return on assets (ROA) | 0.6341% | 4,132 |
| Pretax return on assets | 0.6341% | 4,704 |
| Return on Equity (ROE) | 5.5759% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.5759% | 2,807 |
| Net charge-offs to loans | 1.2504% | 1,242 |
| Credit loss provision to net charge-offs | 84.4037% | 3,987 |
| Earnings coverage of net charge-offs (x) | 1.4789% | 4,526 |
| Efficiency ratio | 68.7476% | 4,168 |
| Assets per employee ($millions) | 5.2108% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6593% | 1,181 |
| Loan loss allowance to noncurrent loans | 100.2819% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 3.4145% | 1,851 |
| Noncurrent loans to loans | 2.6518% | 2,626 |
| Net loans and leases to total assets | 76.8929% | 853 |
| Net loans and leases to deposits | 94.4376% | 803 |
| Net loans and leases to core deposits | 128.1977% | 265 |
| Total domestic deposits to total assets | 81.4219% | 5,286 |
| Equity capital to assets | 12.5419% | 1,896 |
| Core capital (leverage) ratio | 12.4612% | 1,455 |
| Tier 1 risk-based capital ratio | 15.5104% | 3,380 |
| Total risk-based capital ratio | 16.7775% | 3,331 |
| Memoranda: | ||
| Average total assets | $72,754,250 | 5,719 |
| Average earning assets | $69,754,500 | 5,590 |
| Average equity | $8,273,500 | 5,518 |
| Average total loans | $58,112,000 | 4,991 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 2,002 |
| Cost of funding earning assets | 1.4071% | 1,389 |
| Net interest margin | 3.8591% | 3,493 |
| Noninterest income to average assets | 0.8062% | 1,992 |
| Noninterest expense to average assets | 3.1790% | 2,976 |
| Loan and lease loss provision to assets | 0.7524% | 1,236 |
| Net operating income to assets | 0.5670% | 4,226 |
| Return on assets (ROA) | 0.5670% | 4,350 |
| Pretax return on assets | 0.5670% | 4,850 |
| Return on Equity (ROE) | 5.1468% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.1468% | 2,912 |
| Net charge-offs to loans | 0.3085% | 3,330 |
| Credit loss provision to net charge-offs | 304.3478% | 996 |
| Earnings coverage of net charge-offs (x) | 5.3370% | 2,637 |
| Efficiency ratio | 70.6691% | 3,996 |
| Assets per employee ($millions) | 5.7340% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0015% | 898 |
| Loan loss allowance to noncurrent loans | 72.8602% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 5.5313% | 1,067 |
| Noncurrent loans to loans | 4.1196% | 1,661 |
| Net loans and leases to total assets | 79.5605% | 578 |
| Net loans and leases to deposits | 97.0879% | 648 |
| Net loans and leases to core deposits | 133.2717% | 235 |
| Total domestic deposits to total assets | 81.9469% | 5,187 |
| Equity capital to assets | 12.1134% | 2,019 |
| Core capital (leverage) ratio | 11.5907% | 1,847 |
| Tier 1 risk-based capital ratio | 14.2314% | 3,989 |
| Total risk-based capital ratio | 15.5025% | 3,949 |
| Memoranda: | ||
| Average total assets | $74,425,330 | 5,710 |
| Average earning assets | $71,209,000 | 5,585 |
| Average equity | $8,199,330 | 5,551 |
| Average total loans | $59,645,670 | 4,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2207% | 2,154 |
| Cost of funding earning assets | 1.4731% | 1,279 |
| Net interest margin | 3.7477% | 3,849 |
| Noninterest income to average assets | 1.0099% | 1,300 |
| Noninterest expense to average assets | 3.0971% | 3,257 |
| Loan and lease loss provision to assets | 0.9840% | 786 |
| Net operating income to assets | 0.5127% | 4,443 |
| Return on assets (ROA) | 0.5127% | 4,523 |
| Pretax return on assets | 0.5127% | 4,984 |
| Return on Equity (ROE) | 4.8700% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.8700% | 3,270 |
| Net charge-offs to loans | 0.6139% | 1,969 |
| Credit loss provision to net charge-offs | 202.1277% | 1,467 |
| Earnings coverage of net charge-offs (x) | 3.0745% | 2,860 |
| Efficiency ratio | 67.4183% | 4,768 |
| Assets per employee ($millions) | 6.7227% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7918% | 1,120 |
| Loan loss allowance to noncurrent loans | 42.4861% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 7.1048% | 746 |
| Noncurrent loans to loans | 6.5711% | 898 |
| Net loans and leases to total assets | 75.4767% | 1,110 |
| Net loans and leases to deposits | 90.0271% | 1,223 |
| Net loans and leases to core deposits | 120.3117% | 407 |
| Total domestic deposits to total assets | 83.8377% | 4,549 |
| Equity capital to assets | 11.0710% | 2,619 |
| Core capital (leverage) ratio | 10.4001% | 2,702 |
| Tier 1 risk-based capital ratio | 13.5561% | 4,387 |
| Total risk-based capital ratio | 14.8167% | 4,345 |
| Memoranda: | ||
| Average total assets | $77,234,000 | 5,662 |
| Average earning assets | $73,859,500 | 5,543 |
| Average equity | $8,131,500 | 5,569 |
| Average total loans | $61,249,500 | 4,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 2,789 |
| Cost of funding earning assets | 1.7232% | 1,497 |
| Net interest margin | 3.6511% | 4,568 |
| Noninterest income to average assets | 0.6184% | 3,350 |
| Noninterest expense to average assets | 3.1240% | 3,369 |
| Loan and lease loss provision to assets | 2.8764% | 349 |
| Net operating income to assets | -1.9830% | 7,050 |
| Return on assets (ROA) | -1.9830% | 7,063 |
| Pretax return on assets | -1.9830% | 7,027 |
| Return on Equity (ROE) | -19.5611% | 7,030 |
| Retained earnings to average equity (ytd only) | -19.5611% | 7,005 |
| Net charge-offs to loans | 3.0655% | 528 |
| Credit loss provision to net charge-offs | 117.5291% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.3650% | 5,740 |
| Efficiency ratio | 77.7620% | 2,750 |
| Assets per employee ($millions) | 7.3198% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3156% | 1,670 |
| Loan loss allowance to noncurrent loans | 36.0440% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 7.0320% | 773 |
| Noncurrent loans to loans | 6.4243% | 943 |
| Net loans and leases to total assets | 78.9563% | 805 |
| Net loans and leases to deposits | 96.9692% | 785 |
| Net loans and leases to core deposits | 125.4296% | 397 |
| Total domestic deposits to total assets | 81.4240% | 5,380 |
| Equity capital to assets | 10.0301% | 3,711 |
| Core capital (leverage) ratio | 9.4104% | 3,830 |
| Tier 1 risk-based capital ratio | 12.4831% | 5,037 |
| Total risk-based capital ratio | 13.7456% | 5,012 |
| Memoranda: | ||
| Average total assets | $87,644,000 | 5,357 |
| Average earning assets | $81,590,800 | 5,289 |
| Average equity | $8,885,000 | 5,451 |
| Average total loans | $69,971,200 | 4,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 2,968 |
| Cost of funding earning assets | 1.7780% | 1,518 |
| Net interest margin | 3.6028% | 4,860 |
| Noninterest income to average assets | 0.5994% | 3,439 |
| Noninterest expense to average assets | 3.1251% | 3,215 |
| Loan and lease loss provision to assets | 2.8269% | 327 |
| Net operating income to assets | -2.0173% | 7,244 |
| Return on assets (ROA) | -2.0173% | 7,260 |
| Pretax return on assets | -2.0173% | 7,204 |
| Return on Equity (ROE) | -19.8514% | 7,216 |
| Retained earnings to average equity (ytd only) | -19.8514% | 7,199 |
| Net charge-offs to loans | 2.9721% | 526 |
| Credit loss provision to net charge-offs | 119.4707% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.3422% | 5,682 |
| Efficiency ratio | 79.4240% | 2,432 |
| Assets per employee ($millions) | 6.2527% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 2,011 |
| Loan loss allowance to noncurrent loans | 29.6518% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 7.2357% | 737 |
| Noncurrent loans to loans | 7.0600% | 792 |
| Net loans and leases to total assets | 76.8809% | 1,241 |
| Net loans and leases to deposits | 93.2288% | 1,293 |
| Net loans and leases to core deposits | 122.7139% | 533 |
| Total domestic deposits to total assets | 82.4648% | 4,814 |
| Equity capital to assets | 9.7066% | 4,539 |
| Core capital (leverage) ratio | 9.4640% | 3,954 |
| Tier 1 risk-based capital ratio | 12.3934% | 5,082 |
| Total risk-based capital ratio | 13.6541% | 5,046 |
| Memoranda: | ||
| Average total assets | $89,425,500 | 5,375 |
| Average earning assets | $82,786,000 | 5,315 |
| Average equity | $9,087,250 | 5,467 |
| Average total loans | $71,193,750 | 4,713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 2,929 |
| Cost of funding earning assets | 1.8610% | 1,376 |
| Net interest margin | 3.5500% | 5,047 |
| Noninterest income to average assets | 0.4997% | 4,124 |
| Noninterest expense to average assets | 3.1714% | 3,008 |
| Loan and lease loss provision to assets | 2.8116% | 368 |
| Net operating income to assets | -2.2298% | 7,359 |
| Return on assets (ROA) | -2.2298% | 7,369 |
| Pretax return on assets | -2.2298% | 7,303 |
| Return on Equity (ROE) | -21.6286% | 7,310 |
| Retained earnings to average equity (ytd only) | -21.6286% | 7,294 |
| Net charge-offs to loans | 2.3552% | 740 |
| Credit loss provision to net charge-offs | 149.2925% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.3090% | 5,417 |
| Efficiency ratio | 84.4970% | 1,863 |
| Assets per employee ($millions) | 5.9977% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,868 |
| Loan loss allowance to noncurrent loans | 27.0488% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 8.6467% | 530 |
| Noncurrent loans to loans | 7.9417% | 656 |
| Net loans and leases to total assets | 78.3805% | 1,047 |
| Net loans and leases to deposits | 96.5086% | 1,002 |
| Net loans and leases to core deposits | 125.3177% | 534 |
| Total domestic deposits to total assets | 81.2160% | 5,327 |
| Equity capital to assets | 9.7983% | 4,266 |
| Core capital (leverage) ratio | 9.5629% | 3,727 |
| Tier 1 risk-based capital ratio | 12.3048% | 5,036 |
| Total risk-based capital ratio | 13.5586% | 5,012 |
| Memoranda: | ||
| Average total assets | $90,054,670 | 5,388 |
| Average earning assets | $82,534,670 | 5,353 |
| Average equity | $9,284,000 | 5,420 |
| Average total loans | $72,012,000 | 4,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 2,352 |
| Cost of funding earning assets | 1.9413% | 1,282 |
| Net interest margin | 3.6117% | 4,676 |
| Noninterest income to average assets | 0.1332% | 7,021 |
| Noninterest expense to average assets | 3.2053% | 2,841 |
| Loan and lease loss provision to assets | 2.4861% | 428 |
| Net operating income to assets | -2.3041% | 7,520 |
| Return on assets (ROA) | -2.3041% | 7,526 |
| Pretax return on assets | -2.3041% | 7,475 |
| Return on Equity (ROE) | -21.8102% | 7,464 |
| Retained earnings to average equity (ytd only) | -21.8102% | 7,410 |
| Net charge-offs to loans | 0.8502% | 1,838 |
| Credit loss provision to net charge-offs | 366.0131% | 1,113 |
| Earnings coverage of net charge-offs (x) | 0.2680% | 4,807 |
| Efficiency ratio | 94.6265% | 1,100 |
| Assets per employee ($millions) | 6.1238% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,921 |
| Loan loss allowance to noncurrent loans | 27.2212% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 8.1823% | 595 |
| Noncurrent loans to loans | 7.7762% | 716 |
| Net loans and leases to total assets | 77.4247% | 1,268 |
| Net loans and leases to deposits | 95.3888% | 1,185 |
| Net loans and leases to core deposits | 123.1195% | 669 |
| Total domestic deposits to total assets | 81.1675% | 5,395 |
| Equity capital to assets | 10.0831% | 3,764 |
| Core capital (leverage) ratio | 10.4729% | 2,646 |
| Tier 1 risk-based capital ratio | 12.5544% | 4,688 |
| Total risk-based capital ratio | 13.8126% | 4,650 |
| Memoranda: | ||
| Average total assets | $90,099,500 | 5,449 |
| Average earning assets | $81,181,000 | 5,464 |
| Average equity | $9,518,500 | 5,375 |
| Average total loans | $71,986,500 | 4,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7986% | 2,657 |
| Cost of funding earning assets | 2.3343% | 1,510 |
| Net interest margin | 3.4643% | 5,111 |
| Noninterest income to average assets | 0.4767% | 4,598 |
| Noninterest expense to average assets | 3.4022% | 2,675 |
| Loan and lease loss provision to assets | 0.3100% | 4,964 |
| Net operating income to assets | 0.0756% | 5,276 |
| Return on assets (ROA) | 0.0189% | 5,478 |
| Pretax return on assets | 0.0189% | 5,393 |
| Return on Equity (ROE) | 0.1728% | 5,478 |
| Retained earnings to average equity (ytd only) | 0.1728% | 4,807 |
| Net charge-offs to loans | 0.6568% | 3,216 |
| Credit loss provision to net charge-offs | 56.5923% | 6,677 |
| Earnings coverage of net charge-offs (x) | 0.7039% | 5,395 |
| Efficiency ratio | 89.8211% | 1,715 |
| Assets per employee ($millions) | 5.5214% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,340 |
| Loan loss allowance to noncurrent loans | 24.5070% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 6.6695% | 800 |
| Noncurrent loans to loans | 6.4713% | 929 |
| Net loans and leases to total assets | 79.4458% | 1,105 |
| Net loans and leases to deposits | 96.9580% | 1,212 |
| Net loans and leases to core deposits | 103.6202% | 3,608 |
| Total domestic deposits to total assets | 81.9384% | 4,975 |
| Equity capital to assets | 11.0650% | 2,660 |
| Core capital (leverage) ratio | 10.6796% | 2,449 |
| Tier 1 risk-based capital ratio | 13.6428% | 3,726 |
| Total risk-based capital ratio | 14.8974% | 3,661 |
| Memoranda: | ||
| Average total assets | $89,999,800 | 5,391 |
| Average earning assets | $86,021,400 | 5,260 |
| Average equity | $9,839,200 | 5,343 |
| Average total loans | $75,063,800 | 4,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 2,151 |
| Cost of funding earning assets | 2.4019% | 1,628 |
| Net interest margin | 3.5683% | 4,599 |
| Noninterest income to average assets | 0.3333% | 5,822 |
| Noninterest expense to average assets | 3.3416% | 2,758 |
| Loan and lease loss provision to assets | 0.2861% | 4,685 |
| Net operating income to assets | 0.1253% | 5,390 |
| Return on assets (ROA) | 0.1253% | 5,455 |
| Pretax return on assets | 0.1253% | 5,469 |
| Return on Equity (ROE) | 1.1499% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.1499% | 4,679 |
| Net charge-offs to loans | 0.2333% | 4,596 |
| Credit loss provision to net charge-offs | 145.8647% | 3,335 |
| Earnings coverage of net charge-offs (x) | 2.0977% | 4,248 |
| Efficiency ratio | 89.0373% | 1,778 |
| Assets per employee ($millions) | 5.7316% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 1,937 |
| Loan loss allowance to noncurrent loans | 69.7617% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.5886% | 1,837 |
| Noncurrent loans to loans | 2.7779% | 2,734 |
| Net loans and leases to total assets | 77.5249% | 1,667 |
| Net loans and leases to deposits | 95.8800% | 1,594 |
| Net loans and leases to core deposits | 100.4734% | 4,323 |
| Total domestic deposits to total assets | 80.8562% | 5,136 |
| Equity capital to assets | 10.7616% | 3,235 |
| Core capital (leverage) ratio | 10.9161% | 2,468 |
| Tier 1 risk-based capital ratio | 13.6764% | 3,730 |
| Total risk-based capital ratio | 14.9327% | 3,673 |
| Memoranda: | ||
| Average total assets | $90,414,250 | 5,417 |
| Average earning assets | $86,650,500 | 5,283 |
| Average equity | $9,855,250 | 5,377 |
| Average total loans | $76,001,000 | 4,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1009% | 1,789 |
| Cost of funding earning assets | 2.5147% | 1,559 |
| Net interest margin | 3.5862% | 4,423 |
| Noninterest income to average assets | 0.3178% | 5,961 |
| Noninterest expense to average assets | 3.4584% | 2,465 |
| Loan and lease loss provision to assets | 0.1334% | 5,757 |
| Net operating income to assets | 0.1556% | 5,403 |
| Return on assets (ROA) | 0.1556% | 5,498 |
| Pretax return on assets | 0.1556% | 5,559 |
| Return on Equity (ROE) | 1.4212% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.4212% | 4,536 |
| Net charge-offs to loans | 0.3110% | 3,634 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 4,704 |
| Efficiency ratio | 92.2894% | 1,618 |
| Assets per employee ($millions) | 5.5472% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,264 |
| Loan loss allowance to noncurrent loans | 115.1434% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 2.6838% | 2,392 |
| Noncurrent loans to loans | 1.4962% | 4,253 |
| Net loans and leases to total assets | 82.5937% | 849 |
| Net loans and leases to deposits | 104.4513% | 878 |
| Net loans and leases to core deposits | 110.9084% | 3,267 |
| Total domestic deposits to total assets | 79.0739% | 5,791 |
| Equity capital to assets | 11.0777% | 2,848 |
| Core capital (leverage) ratio | 10.9635% | 2,431 |
| Tier 1 risk-based capital ratio | 13.1925% | 4,005 |
| Total risk-based capital ratio | 14.4470% | 3,924 |
| Memoranda: | ||
| Average total assets | $89,983,670 | 5,459 |
| Average earning assets | $86,052,670 | 5,334 |
| Average equity | $9,850,670 | 5,408 |
| Average total loans | $77,168,000 | 4,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0605% | 2,107 |
| Cost of funding earning assets | 2.6245% | 1,493 |
| Net interest margin | 3.4360% | 4,987 |
| Noninterest income to average assets | 0.1545% | 7,202 |
| Noninterest expense to average assets | 3.1965% | 2,998 |
| Loan and lease loss provision to assets | 0.0883% | 5,834 |
| Net operating income to assets | 0.1413% | 5,855 |
| Return on assets (ROA) | 0.1413% | 6,024 |
| Pretax return on assets | 0.1413% | 6,075 |
| Return on Equity (ROE) | 1.2982% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.2982% | 5,116 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2990% | 1,479 |
| Assets per employee ($millions) | 5.7010% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,008 |
| Loan loss allowance to noncurrent loans | 101.4116% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.7912% | 2,034 |
| Noncurrent loans to loans | 1.7157% | 3,689 |
| Net loans and leases to total assets | 84.5104% | 620 |
| Net loans and leases to deposits | 106.0548% | 857 |
| Net loans and leases to core deposits | 112.7662% | 3,136 |
| Total domestic deposits to total assets | 79.6856% | 5,474 |
| Equity capital to assets | 10.7985% | 3,187 |
| Core capital (leverage) ratio | 10.5717% | 2,846 |
| Tier 1 risk-based capital ratio | 12.5401% | 4,517 |
| Total risk-based capital ratio | 13.7561% | 4,464 |
| Memoranda: | ||
| Average total assets | $90,598,000 | 5,464 |
| Average earning assets | $86,263,500 | 5,344 |
| Average equity | $9,860,000 | 5,431 |
| Average total loans | $78,456,500 | 4,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4554% | 3,170 |
| Cost of funding earning assets | 3.1972% | 1,200 |
| Net interest margin | 3.2582% | 6,188 |
| Noninterest income to average assets | 0.2285% | 6,800 |
| Noninterest expense to average assets | 3.2373% | 3,199 |
| Loan and lease loss provision to assets | 1.1495% | 1,270 |
| Net operating income to assets | -1.0508% | 7,272 |
| Return on assets (ROA) | -1.0312% | 7,183 |
| Pretax return on assets | -1.0094% | 7,004 |
| Return on Equity (ROE) | -8.6968% | 7,174 |
| Retained earnings to average equity (ytd only) | -8.6968% | 6,941 |
| Net charge-offs to loans | 0.8787% | 1,414 |
| Credit loss provision to net charge-offs | 154.2373% | 3,383 |
| Earnings coverage of net charge-offs (x) | 0.1618% | 6,153 |
| Efficiency ratio | 96.4090% | 1,133 |
| Assets per employee ($millions) | 5.2929% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 1,868 |
| Loan loss allowance to noncurrent loans | 102.0486% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 2.7984% | 1,679 |
| Noncurrent loans to loans | 1.6798% | 3,248 |
| Net loans and leases to total assets | 85.7035% | 641 |
| Net loans and leases to deposits | 108.0328% | 971 |
| Net loans and leases to core deposits | 115.2861% | 3,207 |
| Total domestic deposits to total assets | 79.3310% | 5,257 |
| Equity capital to assets | 10.9691% | 3,070 |
| Core capital (leverage) ratio | 10.5981% | 2,908 |
| Tier 1 risk-based capital ratio | 12.5098% | 4,428 |
| Total risk-based capital ratio | 13.7662% | 4,328 |
| Memoranda: | ||
| Average total assets | $87,080,000 | 5,449 |
| Average earning assets | $83,635,000 | 5,311 |
| Average equity | $10,325,600 | 5,311 |
| Average total loans | $73,859,400 | 4,744 |