Home > John O. Melby & Co. Bank > Performance and Condition Ratios
John O. Melby & Co. Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 5,481 |
| Cost of funding earning assets | 0.2832% | 5,737 |
| Net interest margin | 3.2869% | 4,713 |
| Noninterest income to average assets | 0.2079% | 5,837 |
| Noninterest expense to average assets | 2.6769% | 4,184 |
| Loan and lease loss provision to assets | 0.0614% | 3,912 |
| Net operating income to assets | 0.4040% | 5,131 |
| Return on assets (ROA) | 0.4040% | 5,243 |
| Pretax return on assets | 0.4040% | 5,486 |
| Return on Equity (ROE) | 2.3814% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.4317% | 5,655 |
| Net charge-offs to loans | 0.1043% | 3,786 |
| Credit loss provision to net charge-offs | 113.0435% | 2,134 |
| Earnings coverage of net charge-offs (x) | 8.5652% | 2,651 |
| Efficiency ratio | 81.5038% | 1,948 |
| Assets per employee ($millions) | 3.5473% | 4,810 |
| Cash dividends to net income (ytd only)* | 81.8713% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 3,101 |
| Loan loss allowance to noncurrent loans | 48.6091% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 2,315 |
| Noncurrent loans to loans | 3.1271% | 1,097 |
| Net loans and leases to total assets | 50.5286% | 5,026 |
| Net loans and leases to deposits | 60.5171% | 4,893 |
| Net loans and leases to core deposits | 61.5792% | 5,098 |
| Total domestic deposits to total assets | 83.4946% | 4,365 |
| Equity capital to assets | 16.3949% | 465 |
| Core capital (leverage) ratio | 11.5833% | 1,901 |
| Tier 1 risk-based capital ratio | 20.3817% | 1,567 |
| Total risk-based capital ratio | 21.6363% | 1,536 |
| Memoranda: | ||
| Average total assets | $42,325,000 | 6,216 |
| Average earning assets | $37,786,600 | 6,228 |
| Average equity | $7,180,800 | 5,526 |
| Average total loans | $22,054,000 | 6,115 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 5,539 |
| Cost of funding earning assets | 0.2956% | 5,770 |
| Net interest margin | 3.2688% | 4,754 |
| Noninterest income to average assets | 0.2145% | 5,895 |
| Noninterest expense to average assets | 2.6405% | 4,242 |
| Loan and lease loss provision to assets | 0.0631% | 3,782 |
| Net operating income to assets | 0.4416% | 5,064 |
| Return on assets (ROA) | 0.4416% | 5,202 |
| Pretax return on assets | 0.4416% | 5,518 |
| Return on Equity (ROE) | 2.5813% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,781 |
| Net charge-offs to loans | 0.1206% | 3,342 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 7.9989% | 2,690 |
| Efficiency ratio | 80.2407% | 2,059 |
| Assets per employee ($millions) | 3.3468% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,384 |
| Loan loss allowance to noncurrent loans | 40.0243% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 1,972 |
| Noncurrent loans to loans | 3.7920% | 957 |
| Net loans and leases to total assets | 53.1560% | 4,726 |
| Net loans and leases to deposits | 64.8206% | 4,430 |
| Net loans and leases to core deposits | 66.0479% | 4,707 |
| Total domestic deposits to total assets | 82.0049% | 4,931 |
| Equity capital to assets | 17.8282% | 337 |
| Core capital (leverage) ratio | 11.8418% | 1,780 |
| Tier 1 risk-based capital ratio | 21.4794% | 1,404 |
| Total risk-based capital ratio | 22.7323% | 1,378 |
| Memoranda: | ||
| Average total assets | $42,264,250 | 6,289 |
| Average earning assets | $37,892,500 | 6,302 |
| Average equity | $7,231,250 | 5,576 |
| Average total loans | $22,107,250 | 6,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 5,662 |
| Cost of funding earning assets | 0.3016% | 5,815 |
| Net interest margin | 3.2140% | 4,895 |
| Noninterest income to average assets | 0.2234% | 5,843 |
| Noninterest expense to average assets | 2.6021% | 4,378 |
| Loan and lease loss provision to assets | 0.0559% | 3,885 |
| Net operating income to assets | 0.4422% | 5,052 |
| Return on assets (ROA) | 0.4422% | 5,215 |
| Pretax return on assets | 0.4422% | 5,538 |
| Return on Equity (ROE) | 2.6189% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.6189% | 4,645 |
| Net charge-offs to loans | 0.1079% | 3,277 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,351 |
| Efficiency ratio | 80.3303% | 2,110 |
| Assets per employee ($millions) | 3.4918% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 3,669 |
| Loan loss allowance to noncurrent loans | 35.8779% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 1,973 |
| Noncurrent loans to loans | 4.1275% | 924 |
| Net loans and leases to total assets | 52.2362% | 4,827 |
| Net loans and leases to deposits | 63.0052% | 4,624 |
| Net loans and leases to core deposits | 64.1350% | 4,880 |
| Total domestic deposits to total assets | 82.9077% | 4,733 |
| Equity capital to assets | 16.9634% | 418 |
| Core capital (leverage) ratio | 11.4709% | 1,955 |
| Tier 1 risk-based capital ratio | 20.5851% | 1,592 |
| Total risk-based capital ratio | 21.8369% | 1,561 |
| Memoranda: | ||
| Average total assets | $42,965,330 | 6,317 |
| Average earning assets | $38,457,330 | 6,329 |
| Average equity | $7,255,000 | 5,610 |
| Average total loans | $22,250,670 | 6,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,944 |
| Cost of funding earning assets | 0.3091% | 5,901 |
| Net interest margin | 3.0906% | 5,296 |
| Noninterest income to average assets | 0.1747% | 6,212 |
| Noninterest expense to average assets | 2.5473% | 4,578 |
| Loan and lease loss provision to assets | 0.0552% | 3,711 |
| Net operating income to assets | 0.3311% | 5,440 |
| Return on assets (ROA) | 0.3311% | 5,577 |
| Pretax return on assets | 0.3311% | 5,772 |
| Return on Equity (ROE) | 1.9649% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.9649% | 5,019 |
| Net charge-offs to loans | 0.2335% | 2,037 |
| Credit loss provision to net charge-offs | 46.1538% | 2,659 |
| Earnings coverage of net charge-offs (x) | 3.2308% | 2,814 |
| Efficiency ratio | 83.0721% | 1,883 |
| Assets per employee ($millions) | 3.6108% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,006 |
| Loan loss allowance to noncurrent loans | 32.4924% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 2.2871% | 2,037 |
| Noncurrent loans to loans | 4.4704% | 934 |
| Net loans and leases to total assets | 50.4177% | 4,929 |
| Net loans and leases to deposits | 60.7863% | 4,706 |
| Net loans and leases to core deposits | 61.8376% | 4,967 |
| Total domestic deposits to total assets | 82.9425% | 4,872 |
| Equity capital to assets | 16.9490% | 429 |
| Core capital (leverage) ratio | 11.3513% | 1,977 |
| Tier 1 risk-based capital ratio | 20.7460% | 1,600 |
| Total risk-based capital ratio | 22.0002% | 1,573 |
| Memoranda: | ||
| Average total assets | $43,497,000 | 6,361 |
| Average earning assets | $38,827,500 | 6,373 |
| Average equity | $7,328,500 | 5,654 |
| Average total loans | $22,267,500 | 6,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 5,208 |
| Cost of funding earning assets | 0.4350% | 5,683 |
| Net interest margin | 3.6009% | 4,080 |
| Noninterest income to average assets | 0.1855% | 6,070 |
| Noninterest expense to average assets | 2.6705% | 4,508 |
| Loan and lease loss provision to assets | 0.0571% | 5,064 |
| Net operating income to assets | 0.6444% | 4,017 |
| Return on assets (ROA) | 0.6444% | 4,279 |
| Pretax return on assets | 0.6468% | 4,831 |
| Return on Equity (ROE) | 3.6698% | 5,288 |
| Retained earnings to average equity (ytd only) | 0.1490% | 5,765 |
| Net charge-offs to loans | -0.0119% | 6,490 |
| Credit loss provision to net charge-offs | -800.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6871% | 2,804 |
| Assets per employee ($millions) | 3.6387% | 4,691 |
| Cash dividends to net income (ytd only)* | 95.9410% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 3,861 |
| Loan loss allowance to noncurrent loans | 45.8217% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 2,933 |
| Noncurrent loans to loans | 3.2101% | 1,613 |
| Net loans and leases to total assets | 50.4718% | 5,105 |
| Net loans and leases to deposits | 60.6924% | 4,946 |
| Net loans and leases to core deposits | 61.7294% | 5,184 |
| Total domestic deposits to total assets | 83.1600% | 4,653 |
| Equity capital to assets | 16.7484% | 444 |
| Core capital (leverage) ratio | 11.2720% | 2,036 |
| Tier 1 risk-based capital ratio | 20.3953% | 1,584 |
| Total risk-based capital ratio | 21.6506% | 1,555 |
| Memoranda: | ||
| Average total assets | $42,052,000 | 6,428 |
| Average earning assets | $37,240,600 | 6,463 |
| Average equity | $7,384,600 | 5,666 |
| Average total loans | $25,305,000 | 6,176 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 4,956 |
| Cost of funding earning assets | 0.4627% | 5,700 |
| Net interest margin | 3.6945% | 3,824 |
| Noninterest income to average assets | 0.1921% | 6,146 |
| Noninterest expense to average assets | 2.6827% | 4,438 |
| Loan and lease loss provision to assets | 0.0576% | 5,011 |
| Net operating income to assets | 0.7203% | 3,826 |
| Return on assets (ROA) | 0.7203% | 4,071 |
| Pretax return on assets | 0.7235% | 4,782 |
| Return on Equity (ROE) | 4.0525% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.7918% | 4,877 |
| Net charge-offs to loans | -0.0154% | 6,442 |
| Credit loss provision to net charge-offs | -600.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0296% | 2,979 |
| Assets per employee ($millions) | 3.4570% | 5,074 |
| Cash dividends to net income (ytd only)* | 31.1110% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,790 |
| Loan loss allowance to noncurrent loans | 49.3130% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5789% | 3,228 |
| Noncurrent loans to loans | 2.6475% | 2,140 |
| Net loans and leases to total assets | 58.8588% | 3,982 |
| Net loans and leases to deposits | 71.9332% | 3,620 |
| Net loans and leases to core deposits | 73.2451% | 4,080 |
| Total domestic deposits to total assets | 81.8243% | 5,085 |
| Equity capital to assets | 18.0286% | 363 |
| Core capital (leverage) ratio | 11.9092% | 1,714 |
| Tier 1 risk-based capital ratio | 19.5579% | 1,866 |
| Total risk-based capital ratio | 20.8077% | 1,837 |
| Memoranda: | ||
| Average total assets | $41,649,000 | 6,526 |
| Average earning assets | $36,882,750 | 6,551 |
| Average equity | $7,402,500 | 5,723 |
| Average total loans | $26,039,500 | 6,217 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,786 |
| Cost of funding earning assets | 0.4788% | 5,768 |
| Net interest margin | 3.7654% | 3,511 |
| Noninterest income to average assets | 0.1918% | 6,182 |
| Noninterest expense to average assets | 2.7288% | 4,293 |
| Loan and lease loss provision to assets | 0.0575% | 4,940 |
| Net operating income to assets | 0.7194% | 3,761 |
| Return on assets (ROA) | 0.7194% | 4,032 |
| Pretax return on assets | 0.7242% | 4,758 |
| Return on Equity (ROE) | 4.0667% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.1689% | 5,108 |
| Net charge-offs to loans | -0.0151% | 6,368 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3169% | 3,027 |
| Assets per employee ($millions) | 3.4374% | 5,123 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 5,310 |
| Loan loss allowance to noncurrent loans | 49.5298% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 3,380 |
| Noncurrent loans to loans | 2.4423% | 2,459 |
| Net loans and leases to total assets | 62.5639% | 3,322 |
| Net loans and leases to deposits | 76.3792% | 2,933 |
| Net loans and leases to core deposits | 77.7764% | 3,551 |
| Total domestic deposits to total assets | 81.9123% | 5,166 |
| Equity capital to assets | 17.9762% | 345 |
| Core capital (leverage) ratio | 11.6979% | 1,786 |
| Tier 1 risk-based capital ratio | 17.9042% | 2,325 |
| Total risk-based capital ratio | 19.1536% | 2,292 |
| Memoranda: | ||
| Average total assets | $41,704,000 | 6,563 |
| Average earning assets | $36,755,330 | 6,598 |
| Average equity | $7,377,000 | 5,750 |
| Average total loans | $26,472,670 | 6,235 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 4,699 |
| Cost of funding earning assets | 0.4993% | 5,825 |
| Net interest margin | 3.8095% | 3,351 |
| Noninterest income to average assets | 0.1622% | 6,413 |
| Noninterest expense to average assets | 2.7760% | 4,138 |
| Loan and lease loss provision to assets | 0.0572% | 4,693 |
| Net operating income to assets | 0.6773% | 3,995 |
| Return on assets (ROA) | 0.6773% | 4,210 |
| Pretax return on assets | 0.6773% | 4,865 |
| Return on Equity (ROE) | 3.8597% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.8597% | 4,273 |
| Net charge-offs to loans | -0.0150% | 6,082 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8152% | 2,811 |
| Assets per employee ($millions) | 3.4943% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,610 |
| Loan loss allowance to noncurrent loans | 47.7589% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 3,549 |
| Noncurrent loans to loans | 2.4601% | 2,650 |
| Net loans and leases to total assets | 61.9852% | 3,260 |
| Net loans and leases to deposits | 75.3319% | 2,919 |
| Net loans and leases to core deposits | 76.6787% | 3,529 |
| Total domestic deposits to total assets | 82.2828% | 5,207 |
| Equity capital to assets | 17.6123% | 371 |
| Core capital (leverage) ratio | 11.4985% | 1,893 |
| Tier 1 risk-based capital ratio | 18.1745% | 2,230 |
| Total risk-based capital ratio | 19.4247% | 2,204 |
| Memoranda: | ||
| Average total assets | $41,931,500 | 6,604 |
| Average earning assets | $36,855,000 | 6,648 |
| Average equity | $7,358,000 | 5,776 |
| Average total loans | $26,647,500 | 6,273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 5,094 |
| Cost of funding earning assets | 0.7153% | 5,433 |
| Net interest margin | 3.7797% | 3,927 |
| Noninterest income to average assets | 0.2300% | 5,890 |
| Noninterest expense to average assets | 2.8525% | 4,157 |
| Loan and lease loss provision to assets | 0.0294% | 6,205 |
| Net operating income to assets | 0.6752% | 3,599 |
| Return on assets (ROA) | 0.6752% | 3,799 |
| Pretax return on assets | 0.6703% | 4,438 |
| Return on Equity (ROE) | 3.7673% | 4,970 |
| Retained earnings to average equity (ytd only) | 0.3549% | 5,673 |
| Net charge-offs to loans | 0.0929% | 5,412 |
| Credit loss provision to net charge-offs | 52.1739% | 5,373 |
| Earnings coverage of net charge-offs (x) | 12.4348% | 1,623 |
| Efficiency ratio | 76.9284% | 2,753 |
| Assets per employee ($millions) | 3.4943% | 5,027 |
| Cash dividends to net income (ytd only)* | 90.5797% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,745 |
| Loan loss allowance to noncurrent loans | 46.0366% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 3,600 |
| Noncurrent loans to loans | 2.4301% | 2,703 |
| Net loans and leases to total assets | 63.6578% | 3,259 |
| Net loans and leases to deposits | 77.2322% | 2,965 |
| Net loans and leases to core deposits | 78.6059% | 3,614 |
| Total domestic deposits to total assets | 82.4239% | 4,992 |
| Equity capital to assets | 17.4831% | 388 |
| Core capital (leverage) ratio | 11.3156% | 2,025 |
| Tier 1 risk-based capital ratio | 17.3940% | 2,421 |
| Total risk-based capital ratio | 18.5857% | 2,420 |
| Memoranda: | ||
| Average total assets | $40,877,000 | 6,641 |
| Average earning assets | $35,929,200 | 6,682 |
| Average equity | $7,326,200 | 5,764 |
| Average total loans | $24,749,200 | 6,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 5,242 |
| Cost of funding earning assets | 0.7708% | 5,330 |
| Net interest margin | 3.7350% | 4,187 |
| Noninterest income to average assets | 0.2298% | 5,973 |
| Noninterest expense to average assets | 2.8758% | 4,031 |
| Loan and lease loss provision to assets | 0.0295% | 6,068 |
| Net operating income to assets | 0.6238% | 3,997 |
| Return on assets (ROA) | 0.6238% | 4,171 |
| Pretax return on assets | 0.6172% | 4,751 |
| Return on Equity (ROE) | 3.4584% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.4584% | 4,276 |
| Net charge-offs to loans | 0.1213% | 4,822 |
| Credit loss provision to net charge-offs | 40.9091% | 5,221 |
| Earnings coverage of net charge-offs (x) | 8.9553% | 2,105 |
| Efficiency ratio | 78.1920% | 2,521 |
| Assets per employee ($millions) | 3.1534% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,375 |
| Loan loss allowance to noncurrent loans | 50.5051% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4490% | 3,946 |
| Noncurrent loans to loans | 2.4228% | 2,856 |
| Net loans and leases to total assets | 59.0745% | 4,306 |
| Net loans and leases to deposits | 72.4236% | 3,912 |
| Net loans and leases to core deposits | 73.7514% | 4,491 |
| Total domestic deposits to total assets | 81.5680% | 5,231 |
| Equity capital to assets | 18.2734% | 360 |
| Core capital (leverage) ratio | 12.2080% | 1,589 |
| Tier 1 risk-based capital ratio | 19.5794% | 1,791 |
| Total risk-based capital ratio | 20.8283% | 1,761 |
| Memoranda: | ||
| Average total assets | $40,613,250 | 6,708 |
| Average earning assets | $35,805,000 | 6,746 |
| Average equity | $7,325,000 | 5,811 |
| Average total loans | $24,187,750 | 6,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 5,165 |
| Cost of funding earning assets | 0.8450% | 5,101 |
| Net interest margin | 3.7068% | 4,228 |
| Noninterest income to average assets | 0.2322% | 5,984 |
| Noninterest expense to average assets | 2.8750% | 4,128 |
| Loan and lease loss provision to assets | 0.0296% | 5,938 |
| Net operating income to assets | 0.5879% | 4,117 |
| Return on assets (ROA) | 0.5879% | 4,249 |
| Pretax return on assets | 0.5780% | 4,818 |
| Return on Equity (ROE) | 3.2739% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.2739% | 4,180 |
| Net charge-offs to loans | 0.0415% | 5,273 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,057 |
| Efficiency ratio | 79.1489% | 2,530 |
| Assets per employee ($millions) | 3.0588% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 5,096 |
| Loan loss allowance to noncurrent loans | 55.6738% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 4,089 |
| Noncurrent loans to loans | 2.3208% | 3,069 |
| Net loans and leases to total assets | 60.3244% | 4,211 |
| Net loans and leases to deposits | 74.3054% | 3,753 |
| Net loans and leases to core deposits | 75.7125% | 4,354 |
| Total domestic deposits to total assets | 81.1845% | 5,465 |
| Equity capital to assets | 18.6320% | 337 |
| Core capital (leverage) ratio | 11.9205% | 1,646 |
| Tier 1 risk-based capital ratio | 19.2991% | 1,757 |
| Total risk-based capital ratio | 20.5492% | 1,731 |
| Memoranda: | ||
| Average total assets | $40,486,330 | 6,769 |
| Average earning assets | $35,502,000 | 6,817 |
| Average equity | $7,269,670 | 5,850 |
| Average total loans | $24,078,000 | 6,590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 5,441 |
| Cost of funding earning assets | 0.8830% | 5,042 |
| Net interest margin | 3.5877% | 4,626 |
| Noninterest income to average assets | 0.2056% | 6,262 |
| Noninterest expense to average assets | 2.9574% | 3,830 |
| Loan and lease loss provision to assets | 0.0294% | 5,602 |
| Net operating income to assets | 0.3917% | 4,988 |
| Return on assets (ROA) | 0.3917% | 5,078 |
| Pretax return on assets | 0.3623% | 5,465 |
| Return on Equity (ROE) | 2.2222% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.2222% | 4,812 |
| Net charge-offs to loans | -0.0167% | 6,515 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7953% | 1,872 |
| Assets per employee ($millions) | 3.0702% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 4,922 |
| Loan loss allowance to noncurrent loans | 58.3794% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 4,253 |
| Noncurrent loans to loans | 2.3019% | 3,191 |
| Net loans and leases to total assets | 58.3083% | 4,592 |
| Net loans and leases to deposits | 71.3602% | 4,152 |
| Net loans and leases to core deposits | 72.6909% | 4,698 |
| Total domestic deposits to total assets | 81.7098% | 5,422 |
| Equity capital to assets | 18.1399% | 362 |
| Core capital (leverage) ratio | 11.4213% | 1,896 |
| Tier 1 risk-based capital ratio | 19.5133% | 1,693 |
| Total risk-based capital ratio | 20.7634% | 1,658 |
| Memoranda: | ||
| Average total assets | $40,847,000 | 6,806 |
| Average earning assets | $35,789,000 | 6,850 |
| Average equity | $7,200,000 | 5,870 |
| Average total loans | $23,966,000 | 6,649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 4,299 |
| Cost of funding earning assets | 1.1306% | 4,966 |
| Net interest margin | 3.9246% | 3,375 |
| Noninterest income to average assets | 0.2325% | 6,138 |
| Noninterest expense to average assets | 2.8886% | 4,281 |
| Loan and lease loss provision to assets | 0.0297% | 6,832 |
| Net operating income to assets | 0.7370% | 3,063 |
| Return on assets (ROA) | 0.7370% | 3,189 |
| Pretax return on assets | 0.7395% | 3,835 |
| Return on Equity (ROE) | 4.0959% | 4,478 |
| Retained earnings to average equity (ytd only) | 0.6597% | 5,245 |
| Net charge-offs to loans | 0.0580% | 6,210 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 22.2143% | 934 |
| Efficiency ratio | 75.6592% | 3,100 |
| Assets per employee ($millions) | 3.4818% | 4,976 |
| Cash dividends to net income (ytd only)* | 83.8926% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 5,074 |
| Loan loss allowance to noncurrent loans | 79.4416% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 5,119 |
| Noncurrent loans to loans | 1.6185% | 4,075 |
| Net loans and leases to total assets | 57.5128% | 5,109 |
| Net loans and leases to deposits | 69.5313% | 4,875 |
| Net loans and leases to core deposits | 70.2303% | 5,425 |
| Total domestic deposits to total assets | 82.7150% | 4,925 |
| Equity capital to assets | 17.1366% | 445 |
| Core capital (leverage) ratio | 11.2592% | 1,978 |
| Tier 1 risk-based capital ratio | 18.3722% | 1,885 |
| Total risk-based capital ratio | 19.6227% | 1,845 |
| Memoranda: | ||
| Average total assets | $40,434,400 | 6,851 |
| Average earning assets | $35,289,800 | 6,907 |
| Average equity | $7,275,600 | 5,939 |
| Average total loans | $24,149,600 | 6,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 4,023 |
| Cost of funding earning assets | 1.1547% | 5,120 |
| Net interest margin | 4.0074% | 3,070 |
| Noninterest income to average assets | 0.2461% | 6,132 |
| Noninterest expense to average assets | 2.8962% | 4,103 |
| Loan and lease loss provision to assets | 0.0299% | 6,769 |
| Net operating income to assets | 0.8246% | 2,898 |
| Return on assets (ROA) | 0.8246% | 3,046 |
| Pretax return on assets | 0.8280% | 3,809 |
| Return on Equity (ROE) | 4.5268% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.7888% | 5,072 |
| Net charge-offs to loans | 0.0775% | 5,746 |
| Credit loss provision to net charge-offs | 64.2857% | 5,584 |
| Earnings coverage of net charge-offs (x) | 18.4247% | 1,260 |
| Efficiency ratio | 73.8707% | 3,346 |
| Assets per employee ($millions) | 3.0915% | 5,937 |
| Cash dividends to net income (ytd only)* | 60.4851% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,095 |
| Loan loss allowance to noncurrent loans | 196.2025% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 6,433 |
| Noncurrent loans to loans | 0.6489% | 5,909 |
| Net loans and leases to total assets | 59.8174% | 4,946 |
| Net loans and leases to deposits | 73.4405% | 4,603 |
| Net loans and leases to core deposits | 74.2159% | 5,266 |
| Total domestic deposits to total assets | 81.4501% | 5,220 |
| Equity capital to assets | 18.3184% | 387 |
| Core capital (leverage) ratio | 11.5907% | 1,882 |
| Tier 1 risk-based capital ratio | 18.9617% | 1,760 |
| Total risk-based capital ratio | 20.2368% | 1,715 |
| Memoranda: | ||
| Average total assets | $40,097,500 | 6,948 |
| Average earning assets | $35,100,750 | 6,989 |
| Average equity | $7,304,500 | 6,014 |
| Average total loans | $24,101,250 | 6,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 3,683 |
| Cost of funding earning assets | 1.1603% | 5,343 |
| Net interest margin | 4.0954% | 2,584 |
| Noninterest income to average assets | 0.2296% | 6,267 |
| Noninterest expense to average assets | 2.8502% | 4,265 |
| Loan and lease loss provision to assets | 0.0299% | 6,646 |
| Net operating income to assets | 0.9135% | 2,503 |
| Return on assets (ROA) | 0.9135% | 2,607 |
| Pretax return on assets | 0.9085% | 3,462 |
| Return on Equity (ROE) | 5.0238% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.9649% | 4,235 |
| Net charge-offs to loans | 0.0749% | 5,395 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 20.8889% | 1,194 |
| Efficiency ratio | 72.0685% | 3,801 |
| Assets per employee ($millions) | 3.1179% | 5,870 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,959 |
| Loan loss allowance to noncurrent loans | 193.7888% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 6,444 |
| Noncurrent loans to loans | 0.6677% | 5,916 |
| Net loans and leases to total assets | 58.7225% | 5,297 |
| Net loans and leases to deposits | 71.8725% | 5,013 |
| Net loans and leases to core deposits | 73.2798% | 5,525 |
| Total domestic deposits to total assets | 81.7038% | 5,112 |
| Equity capital to assets | 18.1038% | 410 |
| Core capital (leverage) ratio | 11.7306% | 1,788 |
| Tier 1 risk-based capital ratio | 18.3861% | 1,861 |
| Total risk-based capital ratio | 19.6356% | 1,831 |
| Memoranda: | ||
| Average total assets | $40,067,000 | 6,996 |
| Average earning assets | $34,819,330 | 7,048 |
| Average equity | $7,285,330 | 6,038 |
| Average total loans | $24,018,330 | 6,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 2,531 |
| Cost of funding earning assets | 1.1785% | 5,519 |
| Net interest margin | 4.3328% | 1,584 |
| Noninterest income to average assets | 0.1908% | 6,600 |
| Noninterest expense to average assets | 2.7012% | 4,903 |
| Loan and lease loss provision to assets | 0.0301% | 6,375 |
| Net operating income to assets | 1.2653% | 1,374 |
| Return on assets (ROA) | 1.2653% | 1,447 |
| Pretax return on assets | 1.2251% | 2,284 |
| Return on Equity (ROE) | 6.9431% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.9431% | 2,157 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2284% | 5,268 |
| Assets per employee ($millions) | 3.0207% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,540 |
| Loan loss allowance to noncurrent loans | 195.0920% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,434 |
| Noncurrent loans to loans | 0.7053% | 5,923 |
| Net loans and leases to total assets | 58.0407% | 5,432 |
| Net loans and leases to deposits | 71.4886% | 5,128 |
| Net loans and leases to core deposits | 72.9344% | 5,616 |
| Total domestic deposits to total assets | 81.1887% | 5,388 |
| Equity capital to assets | 18.6610% | 365 |
| Core capital (leverage) ratio | 11.7767% | 1,766 |
| Tier 1 risk-based capital ratio | 18.8450% | 1,756 |
| Total risk-based capital ratio | 20.0982% | 1,718 |
| Memoranda: | ||
| Average total assets | $39,834,000 | 7,089 |
| Average earning assets | $34,620,000 | 7,145 |
| Average equity | $7,259,000 | 6,095 |
| Average total loans | $23,970,500 | 6,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7158% | 3,028 |
| Cost of funding earning assets | 1.3637% | 6,076 |
| Net interest margin | 4.3521% | 1,566 |
| Noninterest income to average assets | 0.2999% | 5,951 |
| Noninterest expense to average assets | 3.0498% | 3,946 |
| Loan and lease loss provision to assets | 0.1000% | 6,625 |
| Net operating income to assets | 0.9557% | 1,991 |
| Return on assets (ROA) | 0.9557% | 2,046 |
| Pretax return on assets | 0.9703% | 2,688 |
| Return on Equity (ROE) | 5.3780% | 3,482 |
| Retained earnings to average equity (ytd only) | 0.7820% | 4,462 |
| Net charge-offs to loans | 0.2639% | 4,966 |
| Credit loss provision to net charge-offs | 60.2941% | 6,635 |
| Earnings coverage of net charge-offs (x) | 6.4559% | 2,360 |
| Efficiency ratio | 71.1243% | 4,422 |
| Assets per employee ($millions) | 3.1076% | 5,971 |
| Cash dividends to net income (ytd only)* | 85.4592% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 4,945 |
| Loan loss allowance to noncurrent loans | 64.4172% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 4,678 |
| Noncurrent loans to loans | 1.9693% | 3,693 |
| Net loans and leases to total assets | 60.6847% | 5,235 |
| Net loans and leases to deposits | 73.9592% | 5,044 |
| Net loans and leases to core deposits | 84.2040% | 5,694 |
| Total domestic deposits to total assets | 82.0515% | 4,925 |
| Equity capital to assets | 17.7975% | 462 |
| Core capital (leverage) ratio | 11.4874% | 1,921 |
| Tier 1 risk-based capital ratio | 17.2047% | 2,098 |
| Total risk-based capital ratio | 18.4554% | 2,054 |
| Memoranda: | ||
| Average total assets | $41,019,000 | 7,053 |
| Average earning assets | $36,005,400 | 7,102 |
| Average equity | $7,289,000 | 6,178 |
| Average total loans | $25,763,800 | 6,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 2,711 |
| Cost of funding earning assets | 1.4109% | 6,181 |
| Net interest margin | 4.4269% | 1,374 |
| Noninterest income to average assets | 0.3044% | 6,046 |
| Noninterest expense to average assets | 3.0731% | 3,755 |
| Loan and lease loss provision to assets | 0.0291% | 7,056 |
| Net operating income to assets | 1.1075% | 1,714 |
| Return on assets (ROA) | 1.1075% | 1,769 |
| Pretax return on assets | 1.1140% | 2,521 |
| Return on Equity (ROE) | 6.2347% | 3,425 |
| Retained earnings to average equity (ytd only) | 2.5887% | 3,870 |
| Net charge-offs to loans | 0.0410% | 6,327 |
| Credit loss provision to net charge-offs | 112.5000% | 4,515 |
| Earnings coverage of net charge-offs (x) | 44.1097% | 699 |
| Efficiency ratio | 70.0461% | 4,579 |
| Assets per employee ($millions) | 3.1199% | 5,860 |
| Cash dividends to net income (ytd only)* | 58.4794% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 3,954 |
| Loan loss allowance to noncurrent loans | 290.6780% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 6,762 |
| Noncurrent loans to loans | 0.4813% | 6,355 |
| Net loans and leases to total assets | 59.6070% | 5,646 |
| Net loans and leases to deposits | 72.9775% | 5,514 |
| Net loans and leases to core deposits | 82.4500% | 6,153 |
| Total domestic deposits to total assets | 81.6785% | 4,813 |
| Equity capital to assets | 18.0478% | 510 |
| Core capital (leverage) ratio | 11.3395% | 2,168 |
| Tier 1 risk-based capital ratio | 17.4235% | 2,139 |
| Total risk-based capital ratio | 18.6770% | 2,094 |
| Memoranda: | ||
| Average total assets | $41,174,000 | 7,098 |
| Average earning assets | $36,382,500 | 7,142 |
| Average equity | $7,313,750 | 6,221 |
| Average total loans | $25,997,000 | 6,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9516% | 2,382 |
| Cost of funding earning assets | 1.4647% | 6,277 |
| Net interest margin | 4.4869% | 1,196 |
| Noninterest income to average assets | 0.3383% | 5,810 |
| Noninterest expense to average assets | 3.1465% | 3,514 |
| Loan and lease loss provision to assets | 0.0290% | 6,954 |
| Net operating income to assets | 1.1310% | 1,662 |
| Return on assets (ROA) | 1.1310% | 1,743 |
| Pretax return on assets | 1.1310% | 2,531 |
| Return on Equity (ROE) | 6.4007% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.6654% | 3,257 |
| Net charge-offs to loans | 0.0604% | 5,658 |
| Credit loss provision to net charge-offs | 75.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 998 |
| Efficiency ratio | 70.3704% | 4,704 |
| Assets per employee ($millions) | 3.1443% | 5,731 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 4,143 |
| Loan loss allowance to noncurrent loans | 163.4615% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 6,164 |
| Noncurrent loans to loans | 0.8094% | 5,609 |
| Net loans and leases to total assets | 62.0364% | 5,356 |
| Net loans and leases to deposits | 75.8631% | 5,192 |
| Net loans and leases to core deposits | 86.2840% | 5,873 |
| Total domestic deposits to total assets | 81.7741% | 4,781 |
| Equity capital to assets | 17.9176% | 558 |
| Core capital (leverage) ratio | 11.2663% | 2,215 |
| Tier 1 risk-based capital ratio | 17.1936% | 2,238 |
| Total risk-based capital ratio | 18.4437% | 2,179 |
| Memoranda: | ||
| Average total assets | $41,379,000 | 7,154 |
| Average earning assets | $36,595,330 | 7,191 |
| Average equity | $7,311,670 | 6,260 |
| Average total loans | $26,489,670 | 6,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2180% | 1,541 |
| Cost of funding earning assets | 1.5545% | 6,217 |
| Net interest margin | 4.6635% | 839 |
| Noninterest income to average assets | 0.2979% | 6,052 |
| Noninterest expense to average assets | 2.9690% | 3,893 |
| Loan and lease loss provision to assets | 0.0288% | 6,564 |
| Net operating income to assets | 1.4605% | 1,016 |
| Return on assets (ROA) | 1.4605% | 1,092 |
| Pretax return on assets | 1.4220% | 1,904 |
| Return on Equity (ROE) | 8.3225% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.3225% | 1,696 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5652% | 5,585 |
| Assets per employee ($millions) | 3.1862% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,081 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 7,401 |
| Noncurrent loans to loans | 0.0452% | 7,412 |
| Net loans and leases to total assets | 63.2529% | 5,113 |
| Net loans and leases to deposits | 77.1450% | 5,068 |
| Net loans and leases to core deposits | 88.9402% | 5,653 |
| Total domestic deposits to total assets | 81.9922% | 4,547 |
| Equity capital to assets | 17.7712% | 635 |
| Core capital (leverage) ratio | 10.8853% | 2,594 |
| Tier 1 risk-based capital ratio | 16.7564% | 2,420 |
| Total risk-based capital ratio | 18.0084% | 2,350 |
| Memoranda: | ||
| Average total assets | $41,630,500 | 7,185 |
| Average earning assets | $36,796,500 | 7,224 |
| Average equity | $7,305,500 | 6,293 |
| Average total loans | $26,885,500 | 6,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4806% | 3,058 |
| Cost of funding earning assets | 2.3061% | 5,117 |
| Net interest margin | 4.1745% | 2,420 |
| Noninterest income to average assets | 0.3268% | 6,108 |
| Noninterest expense to average assets | 2.7963% | 4,829 |
| Loan and lease loss provision to assets | 0.1774% | 5,123 |
| Net operating income to assets | 0.9664% | 2,714 |
| Return on assets (ROA) | 0.9664% | 2,590 |
| Pretax return on assets | 1.0037% | 3,369 |
| Return on Equity (ROE) | 5.7414% | 4,052 |
| Retained earnings to average equity (ytd only) | 0.7489% | 4,784 |
| Net charge-offs to loans | 0.0742% | 5,701 |
| Credit loss provision to net charge-offs | 380.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 25.3000% | 1,339 |
| Efficiency ratio | 67.4296% | 4,833 |
| Assets per employee ($millions) | 3.2185% | 5,431 |
| Cash dividends to net income (ytd only)* | 86.9565% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,075 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 4,336 |
| Noncurrent loans to loans | 1.5353% | 3,491 |
| Net loans and leases to total assets | 64.2543% | 5,224 |
| Net loans and leases to deposits | 77.9359% | 5,347 |
| Net loans and leases to core deposits | 89.8319% | 5,815 |
| Total domestic deposits to total assets | 82.4450% | 4,027 |
| Equity capital to assets | 17.3279% | 741 |
| Core capital (leverage) ratio | 10.4751% | 2,994 |
| Tier 1 risk-based capital ratio | 15.8502% | 2,724 |
| Total risk-based capital ratio | 17.1008% | 2,662 |
| Memoranda: | ||
| Average total assets | $42,841,600 | 7,085 |
| Average earning assets | $37,465,800 | 7,175 |
| Average equity | $7,210,800 | 6,378 |
| Average total loans | $26,958,400 | 6,900 |