Home > Little River Bank > Performance and Condition Ratios
Little River 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 | 3.2554% | 5,269 |
| Cost of funding earning assets | 0.1826% | 5,243 |
| Net interest margin | 3.0727% | 4,852 |
| Noninterest income to average assets | 0.4994% | 3,252 |
| Noninterest expense to average assets | 3.6118% | 982 |
| Loan and lease loss provision to assets | 0.2052% | 1,028 |
| Net operating income to assets | -0.7123% | 5,882 |
| Return on assets (ROA) | -0.6387% | 5,877 |
| Pretax return on assets | -0.6387% | 5,872 |
| Return on Equity (ROE) | -4.9701% | 5,862 |
| Retained earnings to average equity (ytd only) | -4.9701% | 5,737 |
| Net charge-offs to loans | 0.2633% | 887 |
| Credit loss provision to net charge-offs | 220.8333% | 1,335 |
| Earnings coverage of net charge-offs (x) | -5.4581% | 3,902 |
| Efficiency ratio | 116.3342% | 95 |
| Assets per employee ($millions) | 3.5011% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3906% | 383 |
| Loan loss allowance to noncurrent loans | 14.2673% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 7.4167% | 66 |
| Noncurrent loans to loans | 16.7555% | 12 |
| Net loans and leases to total assets | 43.0213% | 5,252 |
| Net loans and leases to deposits | 50.2111% | 5,288 |
| Net loans and leases to core deposits | 53.1670% | 5,256 |
| Total domestic deposits to total assets | 85.6807% | 2,523 |
| Equity capital to assets | 14.0559% | 1,010 |
| Core capital (leverage) ratio | 13.6138% | 963 |
| Tier 1 risk-based capital ratio | 29.6381% | 498 |
| Total risk-based capital ratio | 30.9029% | 485 |
| Memoranda: | ||
| Average total assets | $34,441,500 | 5,703 |
| Average earning assets | $29,202,250 | 5,735 |
| Average equity | $4,426,250 | 5,629 |
| Average total loans | $12,153,500 | 5,786 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 5,363 |
| Cost of funding earning assets | 0.1803% | 5,315 |
| Net interest margin | 3.0715% | 4,914 |
| Noninterest income to average assets | 0.4179% | 3,762 |
| Noninterest expense to average assets | 3.6478% | 944 |
| Loan and lease loss provision to assets | 0.1299% | 1,762 |
| Net operating income to assets | -0.7623% | 5,958 |
| Return on assets (ROA) | -0.6945% | 5,954 |
| Pretax return on assets | -0.6945% | 5,946 |
| Return on Equity (ROE) | -5.5589% | 5,935 |
| Retained earnings to average equity (ytd only) | -5.5589% | 5,771 |
| Net charge-offs to loans | 0.1382% | 1,498 |
| Credit loss provision to net charge-offs | 287.5000% | 996 |
| Earnings coverage of net charge-offs (x) | -14.0000% | 3,657 |
| Efficiency ratio | 120.9738% | 88 |
| Assets per employee ($millions) | 3.3278% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4368% | 390 |
| Loan loss allowance to noncurrent loans | 16.6842% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 5.7636% | 110 |
| Noncurrent loans to loans | 14.6054% | 14 |
| Net loans and leases to total assets | 38.2595% | 5,504 |
| Net loans and leases to deposits | 44.3562% | 5,547 |
| Net loans and leases to core deposits | 46.8037% | 5,540 |
| Total domestic deposits to total assets | 86.2552% | 2,295 |
| Equity capital to assets | 13.3722% | 1,298 |
| Core capital (leverage) ratio | 12.7574% | 1,251 |
| Tier 1 risk-based capital ratio | 30.4872% | 474 |
| Total risk-based capital ratio | 31.7483% | 467 |
| Memoranda: | ||
| Average total assets | $35,418,670 | 5,757 |
| Average earning assets | $29,953,000 | 5,790 |
| Average equity | $4,425,330 | 5,692 |
| Average total loans | $11,575,330 | 5,873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 5,330 |
| Cost of funding earning assets | 0.1693% | 5,472 |
| Net interest margin | 3.1260% | 4,791 |
| Noninterest income to average assets | 0.4166% | 3,708 |
| Noninterest expense to average assets | 3.5189% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4714% | 5,956 |
| Return on assets (ROA) | -0.3398% | 5,935 |
| Pretax return on assets | -0.3398% | 5,921 |
| Return on Equity (ROE) | -2.8099% | 5,932 |
| Retained earnings to average equity (ytd only) | -2.8099% | 5,457 |
| Net charge-offs to loans | -0.1845% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4676% | 127 |
| Assets per employee ($millions) | 2.9991% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8102% | 273 |
| Loan loss allowance to noncurrent loans | 40.5797% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1812% | 764 |
| Noncurrent loans to loans | 6.9252% | 103 |
| Net loans and leases to total assets | 29.5979% | 5,834 |
| Net loans and leases to deposits | 33.9549% | 5,874 |
| Net loans and leases to core deposits | 35.6564% | 5,865 |
| Total domestic deposits to total assets | 87.1683% | 2,120 |
| Equity capital to assets | 12.5066% | 1,677 |
| Core capital (leverage) ratio | 12.4113% | 1,376 |
| Tier 1 risk-based capital ratio | 30.7876% | 472 |
| Total risk-based capital ratio | 32.0491% | 466 |
| Memoranda: | ||
| Average total assets | $36,489,000 | 5,787 |
| Average earning assets | $30,710,000 | 5,834 |
| Average equity | $4,413,000 | 5,738 |
| Average total loans | $10,838,000 | 5,943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,984 |
| Cost of funding earning assets | 0.1851% | 5,394 |
| Net interest margin | 3.6343% | 3,000 |
| Noninterest income to average assets | 0.4486% | 3,683 |
| Noninterest expense to average assets | 3.6819% | 1,002 |
| Loan and lease loss provision to assets | 0.1614% | 1,428 |
| Net operating income to assets | -0.3337% | 5,996 |
| Return on assets (ROA) | -0.1860% | 5,973 |
| Pretax return on assets | -0.1860% | 5,959 |
| Return on Equity (ROE) | -1.5466% | 5,961 |
| Retained earnings to average equity (ytd only) | -1.5466% | 5,718 |
| Net charge-offs to loans | 0.8517% | 255 |
| Credit loss provision to net charge-offs | 55.6604% | 3,320 |
| Earnings coverage of net charge-offs (x) | -0.5943% | 4,316 |
| Efficiency ratio | 104.9104% | 198 |
| Assets per employee ($millions) | 3.3626% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8275% | 273 |
| Loan loss allowance to noncurrent loans | 37.7335% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.2412% | 744 |
| Noncurrent loans to loans | 7.4935% | 88 |
| Net loans and leases to total assets | 28.1516% | 5,940 |
| Net loans and leases to deposits | 31.9829% | 5,969 |
| Net loans and leases to core deposits | 33.5244% | 5,968 |
| Total domestic deposits to total assets | 88.0208% | 1,614 |
| Equity capital to assets | 11.6927% | 2,201 |
| Core capital (leverage) ratio | 12.2607% | 1,474 |
| Tier 1 risk-based capital ratio | 31.7461% | 437 |
| Total risk-based capital ratio | 33.0029% | 432 |
| Memoranda: | ||
| Average total assets | $36,557,400 | 5,838 |
| Average earning assets | $30,790,000 | 5,887 |
| Average equity | $4,396,800 | 5,786 |
| Average total loans | $12,446,400 | 5,965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 3,738 |
| Cost of funding earning assets | 0.1863% | 5,487 |
| Net interest margin | 3.7173% | 2,682 |
| Noninterest income to average assets | 0.4536% | 3,687 |
| Noninterest expense to average assets | 3.6579% | 1,035 |
| Loan and lease loss provision to assets | 0.1866% | 1,102 |
| Net operating income to assets | -0.2524% | 6,065 |
| Return on assets (ROA) | -0.0549% | 6,001 |
| Pretax return on assets | -0.0549% | 5,995 |
| Return on Equity (ROE) | -0.4530% | 5,995 |
| Retained earnings to average equity (ytd only) | -0.4530% | 5,684 |
| Net charge-offs to loans | 1.1181% | 155 |
| Credit loss provision to net charge-offs | 47.2222% | 3,068 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 4,003 |
| Efficiency ratio | 101.8330% | 264 |
| Assets per employee ($millions) | 2.9028% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 895 |
| Loan loss allowance to noncurrent loans | 35.3012% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.4574% | 715 |
| Noncurrent loans to loans | 5.7088% | 153 |
| Net loans and leases to total assets | 40.8980% | 5,550 |
| Net loans and leases to deposits | 47.1925% | 5,607 |
| Net loans and leases to core deposits | 51.4407% | 5,525 |
| Total domestic deposits to total assets | 86.6621% | 2,202 |
| Equity capital to assets | 12.9446% | 1,475 |
| Core capital (leverage) ratio | 13.1916% | 1,140 |
| Tier 1 risk-based capital ratio | 27.2857% | 664 |
| Total risk-based capital ratio | 28.5435% | 649 |
| Memoranda: | ||
| Average total assets | $36,449,500 | 5,917 |
| Average earning assets | $30,774,000 | 5,965 |
| Average equity | $4,414,750 | 5,856 |
| Average total loans | $12,879,000 | 6,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,341 |
| Cost of funding earning assets | 0.1862% | 5,564 |
| Net interest margin | 3.5375% | 3,352 |
| Noninterest income to average assets | 0.4650% | 3,596 |
| Noninterest expense to average assets | 3.5849% | 1,158 |
| Loan and lease loss provision to assets | 0.0541% | 3,035 |
| Net operating income to assets | -0.1947% | 6,100 |
| Return on assets (ROA) | 0.0973% | 5,927 |
| Pretax return on assets | 0.0973% | 5,933 |
| Return on Equity (ROE) | 0.8213% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.8213% | 5,232 |
| Net charge-offs to loans | 1.0385% | 197 |
| Credit loss provision to net charge-offs | 15.6250% | 3,057 |
| Earnings coverage of net charge-offs (x) | -0.4063% | 3,742 |
| Efficiency ratio | 104.0816% | 249 |
| Assets per employee ($millions) | 2.9135% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 811 |
| Loan loss allowance to noncurrent loans | 33.0726% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.6057% | 709 |
| Noncurrent loans to loans | 6.4514% | 135 |
| Net loans and leases to total assets | 38.8336% | 5,695 |
| Net loans and leases to deposits | 44.6538% | 5,739 |
| Net loans and leases to core deposits | 48.6422% | 5,671 |
| Total domestic deposits to total assets | 86.9658% | 2,187 |
| Equity capital to assets | 12.4878% | 1,665 |
| Core capital (leverage) ratio | 12.5213% | 1,367 |
| Tier 1 risk-based capital ratio | 27.9440% | 644 |
| Total risk-based capital ratio | 29.1988% | 638 |
| Memoranda: | ||
| Average total assets | $36,988,330 | 5,971 |
| Average earning assets | $31,152,330 | 6,023 |
| Average equity | $4,383,330 | 5,924 |
| Average total loans | $12,325,670 | 6,112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 5,485 |
| Cost of funding earning assets | 0.1740% | 5,732 |
| Net interest margin | 3.1079% | 4,930 |
| Noninterest income to average assets | 0.4000% | 4,007 |
| Noninterest expense to average assets | 3.6946% | 1,021 |
| Loan and lease loss provision to assets | 0.1053% | 1,950 |
| Net operating income to assets | -0.7684% | 6,292 |
| Return on assets (ROA) | -0.2000% | 6,168 |
| Pretax return on assets | -0.2000% | 6,155 |
| Return on Equity (ROE) | -1.7304% | 6,160 |
| Retained earnings to average equity (ytd only) | -1.7304% | 5,654 |
| Net charge-offs to loans | 1.0388% | 229 |
| Credit loss provision to net charge-offs | 33.3333% | 2,246 |
| Earnings coverage of net charge-offs (x) | -2.1000% | 3,206 |
| Efficiency ratio | 121.8750% | 116 |
| Assets per employee ($millions) | 3.1568% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7987% | 368 |
| Loan loss allowance to noncurrent loans | 51.0046% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 1,419 |
| Noncurrent loans to loans | 5.4872% | 215 |
| Net loans and leases to total assets | 30.2553% | 6,064 |
| Net loans and leases to deposits | 34.4505% | 6,111 |
| Net loans and leases to core deposits | 37.2364% | 6,070 |
| Total domestic deposits to total assets | 87.8224% | 1,919 |
| Equity capital to assets | 11.8344% | 2,166 |
| Core capital (leverage) ratio | 11.6748% | 1,870 |
| Tier 1 risk-based capital ratio | 31.8150% | 466 |
| Total risk-based capital ratio | 33.0749% | 459 |
| Memoranda: | ||
| Average total assets | $38,001,500 | 6,002 |
| Average earning assets | $32,176,500 | 6,053 |
| Average equity | $4,392,000 | 5,973 |
| Average total loans | $11,552,000 | 6,187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 4,836 |
| Cost of funding earning assets | 0.1869% | 5,858 |
| Net interest margin | 3.4973% | 3,810 |
| Noninterest income to average assets | 0.3781% | 4,360 |
| Noninterest expense to average assets | 3.5185% | 1,445 |
| Loan and lease loss provision to assets | 0.2129% | 1,172 |
| Net operating income to assets | -0.3080% | 6,241 |
| Return on assets (ROA) | -0.1377% | 6,181 |
| Pretax return on assets | -0.1377% | 6,162 |
| Return on Equity (ROE) | -1.3523% | 6,182 |
| Retained earnings to average equity (ytd only) | -1.3523% | 5,956 |
| Net charge-offs to loans | 0.2092% | 1,994 |
| Credit loss provision to net charge-offs | 314.8148% | 828 |
| Earnings coverage of net charge-offs (x) | -1.4074% | 4,817 |
| Efficiency ratio | 102.7798% | 310 |
| Assets per employee ($millions) | 2.9325% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0938% | 269 |
| Loan loss allowance to noncurrent loans | 63.4058% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 1,847 |
| Noncurrent loans to loans | 4.8793% | 313 |
| Net loans and leases to total assets | 28.7577% | 6,214 |
| Net loans and leases to deposits | 32.5090% | 6,246 |
| Net loans and leases to core deposits | 35.0996% | 6,219 |
| Total domestic deposits to total assets | 88.4607% | 1,540 |
| Equity capital to assets | 11.2822% | 2,617 |
| Core capital (leverage) ratio | 11.6764% | 1,844 |
| Tier 1 risk-based capital ratio | 33.1252% | 395 |
| Total risk-based capital ratio | 34.3885% | 385 |
| Memoranda: | ||
| Average total assets | $39,931,600 | 6,035 |
| Average earning assets | $34,769,800 | 6,066 |
| Average equity | $4,067,000 | 6,079 |
| Average total loans | $12,905,000 | 6,231 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,862 |
| Cost of funding earning assets | 0.1882% | 5,934 |
| Net interest margin | 3.5112% | 3,784 |
| Noninterest income to average assets | 0.3368% | 4,746 |
| Noninterest expense to average assets | 3.4732% | 1,520 |
| Loan and lease loss provision to assets | 0.1486% | 1,687 |
| Net operating income to assets | -0.2047% | 6,268 |
| Return on assets (ROA) | -0.0759% | 6,207 |
| Pretax return on assets | -0.0759% | 6,187 |
| Return on Equity (ROE) | -0.7651% | 6,211 |
| Retained earnings to average equity (ytd only) | -0.7651% | 5,926 |
| Net charge-offs to loans | 0.3508% | 1,150 |
| Credit loss provision to net charge-offs | 128.5714% | 1,796 |
| Earnings coverage of net charge-offs (x) | -0.4858% | 4,498 |
| Efficiency ratio | 101.6425% | 334 |
| Assets per employee ($millions) | 2.7635% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 1,351 |
| Loan loss allowance to noncurrent loans | 66.9623% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 2,003 |
| Noncurrent loans to loans | 2.9123% | 927 |
| Net loans and leases to total assets | 42.2647% | 5,650 |
| Net loans and leases to deposits | 47.9414% | 5,765 |
| Net loans and leases to core deposits | 52.0232% | 5,685 |
| Total domestic deposits to total assets | 88.1590% | 1,683 |
| Equity capital to assets | 11.5543% | 2,428 |
| Core capital (leverage) ratio | 12.2405% | 1,552 |
| Tier 1 risk-based capital ratio | 27.4629% | 676 |
| Total risk-based capital ratio | 28.7217% | 662 |
| Memoranda: | ||
| Average total assets | $40,384,000 | 6,102 |
| Average earning assets | $35,428,250 | 6,127 |
| Average equity | $4,008,500 | 6,156 |
| Average total loans | $13,303,000 | 6,290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 5,428 |
| Cost of funding earning assets | 0.1929% | 5,976 |
| Net interest margin | 3.2965% | 4,604 |
| Noninterest income to average assets | 0.3009% | 5,003 |
| Noninterest expense to average assets | 3.3771% | 1,734 |
| Loan and lease loss provision to assets | 0.1433% | 1,728 |
| Net operating income to assets | -0.3630% | 6,398 |
| Return on assets (ROA) | -0.2388% | 6,352 |
| Pretax return on assets | -0.2388% | 6,333 |
| Return on Equity (ROE) | -2.5246% | 6,355 |
| Retained earnings to average equity (ytd only) | -2.5246% | 6,049 |
| Net charge-offs to loans | 0.6521% | 592 |
| Credit loss provision to net charge-offs | 73.1707% | 2,417 |
| Earnings coverage of net charge-offs (x) | -1.1220% | 4,212 |
| Efficiency ratio | 106.9592% | 279 |
| Assets per employee ($millions) | 3.0945% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 1,502 |
| Loan loss allowance to noncurrent loans | 49.7345% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 1,905 |
| Noncurrent loans to loans | 3.8861% | 622 |
| Net loans and leases to total assets | 35.4421% | 6,078 |
| Net loans and leases to deposits | 39.6463% | 6,168 |
| Net loans and leases to core deposits | 42.5904% | 6,128 |
| Total domestic deposits to total assets | 89.3957% | 1,157 |
| Equity capital to assets | 10.0823% | 3,997 |
| Core capital (leverage) ratio | 11.0205% | 2,411 |
| Tier 1 risk-based capital ratio | 27.3114% | 682 |
| Total risk-based capital ratio | 28.5647% | 669 |
| Memoranda: | ||
| Average total assets | $41,870,000 | 6,112 |
| Average earning assets | $36,281,330 | 6,163 |
| Average equity | $3,961,000 | 6,209 |
| Average total loans | $12,575,330 | 6,368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,836 |
| Cost of funding earning assets | 0.1943% | 6,050 |
| Net interest margin | 3.1094% | 5,218 |
| Noninterest income to average assets | 0.3373% | 4,675 |
| Noninterest expense to average assets | 3.3450% | 1,844 |
| Loan and lease loss provision to assets | 0.1405% | 1,730 |
| Net operating income to assets | -0.4497% | 6,453 |
| Return on assets (ROA) | -0.4497% | 6,457 |
| Pretax return on assets | -0.4497% | 6,444 |
| Return on Equity (ROE) | -4.9061% | 6,464 |
| Retained earnings to average equity (ytd only) | -4.9061% | 6,117 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1852% | 262 |
| Assets per employee ($millions) | 3.1129% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6239% | 695 |
| Loan loss allowance to noncurrent loans | 62.1457% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 2,444 |
| Noncurrent loans to loans | 4.2222% | 612 |
| Net loans and leases to total assets | 26.1427% | 6,468 |
| Net loans and leases to deposits | 28.8080% | 6,501 |
| Net loans and leases to core deposits | 30.7371% | 6,486 |
| Total domestic deposits to total assets | 90.7480% | 669 |
| Equity capital to assets | 9.0523% | 5,052 |
| Core capital (leverage) ratio | 10.5336% | 2,888 |
| Tier 1 risk-based capital ratio | 30.3893% | 512 |
| Total risk-based capital ratio | 31.6520% | 500 |
| Memoranda: | ||
| Average total assets | $42,690,500 | 6,150 |
| Average earning assets | $37,049,500 | 6,201 |
| Average equity | $3,913,500 | 6,265 |
| Average total loans | $11,593,500 | 6,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,829 |
| Cost of funding earning assets | 0.2852% | 5,714 |
| Net interest margin | 3.5116% | 3,847 |
| Noninterest income to average assets | 0.3369% | 4,908 |
| Noninterest expense to average assets | 3.4506% | 1,766 |
| Loan and lease loss provision to assets | 0.1521% | 2,378 |
| Net operating income to assets | -0.1544% | 6,341 |
| Return on assets (ROA) | -0.1450% | 6,351 |
| Pretax return on assets | -0.1450% | 6,325 |
| Return on Equity (ROE) | -1.3953% | 6,348 |
| Retained earnings to average equity (ytd only) | -1.3953% | 6,115 |
| Net charge-offs to loans | 1.2515% | 416 |
| Credit loss provision to net charge-offs | 38.6905% | 4,068 |
| Earnings coverage of net charge-offs (x) | -0.0060% | 5,092 |
| Efficiency ratio | 100.0678% | 473 |
| Assets per employee ($millions) | 2.9858% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 783 |
| Loan loss allowance to noncurrent loans | 55.1985% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 2,584 |
| Noncurrent loans to loans | 4.6052% | 568 |
| Net loans and leases to total assets | 26.7817% | 6,552 |
| Net loans and leases to deposits | 29.5640% | 6,593 |
| Net loans and leases to core deposits | 31.6377% | 6,569 |
| Total domestic deposits to total assets | 90.5887% | 760 |
| Equity capital to assets | 9.2869% | 4,701 |
| Core capital (leverage) ratio | 10.7507% | 2,627 |
| Tier 1 risk-based capital ratio | 31.8554% | 436 |
| Total risk-based capital ratio | 33.1173% | 430 |
| Memoranda: | ||
| Average total assets | $42,746,600 | 6,201 |
| Average earning assets | $37,874,200 | 6,227 |
| Average equity | $4,443,400 | 6,222 |
| Average total loans | $13,424,200 | 6,471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,914 |
| Cost of funding earning assets | 0.3037% | 5,699 |
| Net interest margin | 3.4806% | 3,966 |
| Noninterest income to average assets | 0.3350% | 5,014 |
| Noninterest expense to average assets | 3.3067% | 2,065 |
| Loan and lease loss provision to assets | 0.1706% | 2,128 |
| Net operating income to assets | -0.0496% | 6,337 |
| Return on assets (ROA) | -0.0372% | 6,372 |
| Pretax return on assets | -0.0372% | 6,350 |
| Return on Equity (ROE) | -0.3491% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.3491% | 6,013 |
| Net charge-offs to loans | 0.9491% | 605 |
| Credit loss provision to net charge-offs | 55.5556% | 3,386 |
| Earnings coverage of net charge-offs (x) | 0.3939% | 4,731 |
| Efficiency ratio | 96.4706% | 598 |
| Assets per employee ($millions) | 2.9487% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,194 |
| Loan loss allowance to noncurrent loans | 33.5244% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 3.1878% | 1,127 |
| Noncurrent loans to loans | 6.8333% | 310 |
| Net loans and leases to total assets | 36.2652% | 6,273 |
| Net loans and leases to deposits | 41.4617% | 6,337 |
| Net loans and leases to core deposits | 44.5725% | 6,272 |
| Total domestic deposits to total assets | 87.4667% | 2,435 |
| Equity capital to assets | 9.8275% | 4,140 |
| Core capital (leverage) ratio | 11.6008% | 1,950 |
| Tier 1 risk-based capital ratio | 26.8456% | 718 |
| Total risk-based capital ratio | 28.1026% | 704 |
| Memoranda: | ||
| Average total assets | $42,983,000 | 6,268 |
| Average earning assets | $38,192,000 | 6,293 |
| Average equity | $4,583,750 | 6,258 |
| Average total loans | $13,908,500 | 6,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 5,132 |
| Cost of funding earning assets | 0.3272% | 5,592 |
| Net interest margin | 3.3761% | 4,280 |
| Noninterest income to average assets | 0.3077% | 5,244 |
| Noninterest expense to average assets | 3.2423% | 2,233 |
| Loan and lease loss provision to assets | 0.1837% | 2,065 |
| Net operating income to assets | -0.1332% | 6,440 |
| Return on assets (ROA) | -0.1332% | 6,485 |
| Pretax return on assets | -0.1332% | 6,454 |
| Return on Equity (ROE) | -1.2187% | 6,471 |
| Retained earnings to average equity (ytd only) | -1.2187% | 6,079 |
| Net charge-offs to loans | 1.3991% | 398 |
| Credit loss provision to net charge-offs | 42.5532% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.1170% | 4,504 |
| Efficiency ratio | 98.4658% | 546 |
| Assets per employee ($millions) | 2.9827% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 1,135 |
| Loan loss allowance to noncurrent loans | 47.5593% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.5145% | 1,684 |
| Noncurrent loans to loans | 4.9837% | 652 |
| Net loans and leases to total assets | 33.6367% | 6,431 |
| Net loans and leases to deposits | 37.5974% | 6,498 |
| Net loans and leases to core deposits | 40.3169% | 6,461 |
| Total domestic deposits to total assets | 89.4655% | 1,345 |
| Equity capital to assets | 10.1202% | 3,764 |
| Core capital (leverage) ratio | 10.8060% | 2,555 |
| Tier 1 risk-based capital ratio | 27.9541% | 628 |
| Total risk-based capital ratio | 29.2142% | 620 |
| Memoranda: | ||
| Average total assets | $43,550,000 | 6,299 |
| Average earning assets | $38,506,330 | 6,328 |
| Average equity | $4,759,330 | 6,254 |
| Average total loans | $13,437,330 | 6,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 5,429 |
| Cost of funding earning assets | 0.3681% | 5,389 |
| Net interest margin | 3.2417% | 4,756 |
| Noninterest income to average assets | 0.3600% | 4,788 |
| Noninterest expense to average assets | 3.1229% | 2,607 |
| Loan and lease loss provision to assets | 0.1350% | 2,555 |
| Net operating income to assets | -0.0450% | 6,392 |
| Return on assets (ROA) | -0.0450% | 6,452 |
| Pretax return on assets | -0.0450% | 6,442 |
| Return on Equity (ROE) | -0.3979% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.3979% | 5,858 |
| Net charge-offs to loans | 1.9749% | 238 |
| Credit loss provision to net charge-offs | 23.4375% | 2,992 |
| Earnings coverage of net charge-offs (x) | 0.1563% | 3,762 |
| Efficiency ratio | 97.1989% | 671 |
| Assets per employee ($millions) | 3.0020% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7095% | 905 |
| Loan loss allowance to noncurrent loans | 41.4868% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.4384% | 1,894 |
| Noncurrent loans to loans | 6.5309% | 487 |
| Net loans and leases to total assets | 27.5905% | 6,681 |
| Net loans and leases to deposits | 31.1269% | 6,715 |
| Net loans and leases to core deposits | 32.6870% | 6,701 |
| Total domestic deposits to total assets | 88.6387% | 1,905 |
| Equity capital to assets | 11.1015% | 2,844 |
| Core capital (leverage) ratio | 10.2141% | 3,125 |
| Tier 1 risk-based capital ratio | 29.0928% | 575 |
| Total risk-based capital ratio | 30.3545% | 568 |
| Memoranda: | ||
| Average total assets | $44,446,000 | 6,332 |
| Average earning assets | $39,115,000 | 6,362 |
| Average equity | $5,026,000 | 6,234 |
| Average total loans | $12,962,500 | 6,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 4,183 |
| Cost of funding earning assets | 0.5850% | 4,489 |
| Net interest margin | 3.7167% | 3,576 |
| Noninterest income to average assets | 0.4535% | 4,227 |
| Noninterest expense to average assets | 3.3528% | 2,183 |
| Loan and lease loss provision to assets | 0.2467% | 2,680 |
| Net operating income to assets | 0.0634% | 6,067 |
| Return on assets (ROA) | 0.2162% | 5,933 |
| Pretax return on assets | 0.2162% | 5,967 |
| Return on Equity (ROE) | 1.8354% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.8354% | 4,930 |
| Net charge-offs to loans | 0.1282% | 4,401 |
| Credit loss provision to net charge-offs | 525.0000% | 461 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,781 |
| Efficiency ratio | 91.5330% | 954 |
| Assets per employee ($millions) | 2.5801% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0027% | 662 |
| Loan loss allowance to noncurrent loans | 43.5502% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.6697% | 1,809 |
| Noncurrent loans to loans | 6.8947% | 469 |
| Net loans and leases to total assets | 29.0912% | 6,730 |
| Net loans and leases to deposits | 32.9835% | 6,759 |
| Net loans and leases to core deposits | 36.0279% | 6,725 |
| Total domestic deposits to total assets | 88.1994% | 2,094 |
| Equity capital to assets | 11.5202% | 2,425 |
| Core capital (leverage) ratio | 10.3287% | 2,976 |
| Tier 1 risk-based capital ratio | 29.8869% | 519 |
| Total risk-based capital ratio | 31.1501% | 511 |
| Memoranda: | ||
| Average total assets | $42,561,200 | 6,410 |
| Average earning assets | $36,753,400 | 6,479 |
| Average equity | $5,012,600 | 6,284 |
| Average total loans | $15,601,400 | 6,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 3,561 |
| Cost of funding earning assets | 0.6158% | 4,494 |
| Net interest margin | 3.9035% | 2,902 |
| Noninterest income to average assets | 0.4704% | 4,134 |
| Noninterest expense to average assets | 3.3304% | 2,183 |
| Loan and lease loss provision to assets | 0.2841% | 2,296 |
| Net operating income to assets | 0.2178% | 5,868 |
| Return on assets (ROA) | 0.2494% | 5,975 |
| Pretax return on assets | 0.2494% | 6,047 |
| Return on Equity (ROE) | 2.1055% | 5,996 |
| Retained earnings to average equity (ytd only) | 2.1055% | 5,272 |
| Net charge-offs to loans | 0.0905% | 4,471 |
| Credit loss provision to net charge-offs | 818.1818% | 344 |
| Earnings coverage of net charge-offs (x) | 14.4506% | 1,834 |
| Efficiency ratio | 86.9028% | 1,312 |
| Assets per employee ($millions) | 2.3696% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 1,664 |
| Loan loss allowance to noncurrent loans | 45.1800% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.7927% | 1,879 |
| Noncurrent loans to loans | 4.9231% | 924 |
| Net loans and leases to total assets | 42.4486% | 6,089 |
| Net loans and leases to deposits | 48.8655% | 6,199 |
| Net loans and leases to core deposits | 53.8956% | 6,057 |
| Total domestic deposits to total assets | 86.8682% | 2,757 |
| Equity capital to assets | 12.8041% | 1,704 |
| Core capital (leverage) ratio | 11.7178% | 1,833 |
| Tier 1 risk-based capital ratio | 25.3914% | 874 |
| Total risk-based capital ratio | 26.6505% | 861 |
| Memoranda: | ||
| Average total assets | $42,236,000 | 6,494 |
| Average earning assets | $36,376,500 | 6,567 |
| Average equity | $5,002,500 | 6,360 |
| Average total loans | $16,213,000 | 6,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 4,277 |
| Cost of funding earning assets | 0.6375% | 4,549 |
| Net interest margin | 3.7384% | 3,647 |
| Noninterest income to average assets | 0.4570% | 4,240 |
| Noninterest expense to average assets | 3.1851% | 2,644 |
| Loan and lease loss provision to assets | 0.2798% | 2,347 |
| Net operating income to assets | 0.2192% | 5,860 |
| Return on assets (ROA) | 0.2472% | 5,963 |
| Pretax return on assets | 0.2472% | 6,063 |
| Return on Equity (ROE) | 2.1411% | 5,998 |
| Retained earnings to average equity (ytd only) | 2.1411% | 5,121 |
| Net charge-offs to loans | -0.0887% | 6,832 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4557% | 1,386 |
| Assets per employee ($millions) | 2.7809% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,850 |
| Loan loss allowance to noncurrent loans | 65.3380% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9825% | 2,796 |
| Noncurrent loans to loans | 3.3170% | 1,758 |
| Net loans and leases to total assets | 40.7969% | 6,288 |
| Net loans and leases to deposits | 46.5927% | 6,400 |
| Net loans and leases to core deposits | 50.0338% | 6,341 |
| Total domestic deposits to total assets | 87.5605% | 2,428 |
| Equity capital to assets | 12.0631% | 2,106 |
| Core capital (leverage) ratio | 10.8770% | 2,416 |
| Tier 1 risk-based capital ratio | 24.6016% | 947 |
| Total risk-based capital ratio | 25.8597% | 931 |
| Memoranda: | ||
| Average total assets | $42,886,670 | 6,512 |
| Average earning assets | $37,021,670 | 6,586 |
| Average equity | $4,950,670 | 6,402 |
| Average total loans | $15,787,670 | 6,748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 4,819 |
| Cost of funding earning assets | 0.6205% | 4,963 |
| Net interest margin | 3.6586% | 4,015 |
| Noninterest income to average assets | 0.4417% | 4,360 |
| Noninterest expense to average assets | 3.2204% | 2,532 |
| Loan and lease loss provision to assets | 0.1840% | 3,133 |
| Net operating income to assets | 0.1840% | 6,032 |
| Return on assets (ROA) | 0.2392% | 6,003 |
| Pretax return on assets | 0.2392% | 6,112 |
| Return on Equity (ROE) | 2.1181% | 6,036 |
| Retained earnings to average equity (ytd only) | 2.1181% | 5,207 |
| Net charge-offs to loans | -1.6284% | 7,242 |
| Credit loss provision to net charge-offs | -32.7869% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7436% | 1,118 |
| Assets per employee ($millions) | 2.9579% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6597% | 1,166 |
| Loan loss allowance to noncurrent loans | 63.9935% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9405% | 2,984 |
| Noncurrent loans to loans | 4.1562% | 1,453 |
| Net loans and leases to total assets | 32.2522% | 6,821 |
| Net loans and leases to deposits | 36.3807% | 6,877 |
| Net loans and leases to core deposits | 39.3879% | 6,836 |
| Total domestic deposits to total assets | 88.6520% | 1,914 |
| Equity capital to assets | 11.0730% | 2,824 |
| Core capital (leverage) ratio | 10.5123% | 2,735 |
| Tier 1 risk-based capital ratio | 25.1117% | 892 |
| Total risk-based capital ratio | 26.3710% | 877 |
| Memoranda: | ||
| Average total assets | $43,473,000 | 6,548 |
| Average earning assets | $37,391,000 | 6,626 |
| Average equity | $4,910,000 | 6,450 |
| Average total loans | $14,984,000 | 6,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 2,671 |
| Cost of funding earning assets | 0.6841% | 5,634 |
| Net interest margin | 4.3628% | 1,503 |
| Noninterest income to average assets | 0.1011% | 6,635 |
| Noninterest expense to average assets | 3.8066% | 1,339 |
| Loan and lease loss provision to assets | 0.6164% | 1,675 |
| Net operating income to assets | -0.4526% | 6,453 |
| Return on assets (ROA) | -0.1348% | 6,262 |
| Pretax return on assets | -0.1348% | 6,229 |
| Return on Equity (ROE) | -1.1036% | 6,252 |
| Retained earnings to average equity (ytd only) | -1.6554% | 6,108 |
| Net charge-offs to loans | 2.0473% | 670 |
| Credit loss provision to net charge-offs | 65.8098% | 4,999 |
| Earnings coverage of net charge-offs (x) | 0.1748% | 5,706 |
| Efficiency ratio | 95.8763% | 825 |
| Assets per employee ($millions) | 2.8385% | 6,395 |
| Cash dividends to net income (ytd only)* | -50.0000% | 7,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,183 |
| Loan loss allowance to noncurrent loans | 64.1822% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 3,371 |
| Noncurrent loans to loans | 3.1637% | 2,049 |
| Net loans and leases to total assets | 35.1293% | 6,810 |
| Net loans and leases to deposits | 39.8301% | 6,892 |
| Net loans and leases to core deposits | 43.6102% | 6,828 |
| Total domestic deposits to total assets | 88.1979% | 2,028 |
| Equity capital to assets | 11.5250% | 2,484 |
| Core capital (leverage) ratio | 10.9822% | 2,279 |
| Tier 1 risk-based capital ratio | 27.9602% | 625 |
| Total risk-based capital ratio | 29.2196% | 615 |
| Memoranda: | ||
| Average total assets | $41,533,200 | 6,613 |
| Average earning assets | $36,834,200 | 6,648 |
| Average equity | $5,074,200 | 6,417 |
| Average total loans | $19,000,200 | 6,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 2,253 |
| Cost of funding earning assets | 0.6921% | 5,818 |
| Net interest margin | 4.4950% | 1,163 |
| Noninterest income to average assets | 0.5233% | 3,705 |
| Noninterest expense to average assets | 3.8281% | 1,265 |
| Loan and lease loss provision to assets | 0.3230% | 2,946 |
| Net operating income to assets | 0.4006% | 5,000 |
| Return on assets (ROA) | 0.7786% | 3,427 |
| Pretax return on assets | 0.7786% | 4,203 |
| Return on Equity (ROE) | 6.2809% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.5510% | 2,821 |
| Net charge-offs to loans | 0.8294% | 1,916 |
| Credit loss provision to net charge-offs | 80.6452% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.8064% | 4,310 |
| Efficiency ratio | 84.1022% | 1,719 |
| Assets per employee ($millions) | 2.3390% | 7,043 |
| Cash dividends to net income (ytd only)* | 11.6173% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1505% | 1,966 |
| Loan loss allowance to noncurrent loans | 87.4739% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,671 |
| Noncurrent loans to loans | 2.4584% | 2,814 |
| Net loans and leases to total assets | 50.9432% | 5,589 |
| Net loans and leases to deposits | 59.4759% | 5,692 |
| Net loans and leases to core deposits | 68.1453% | 5,161 |
| Total domestic deposits to total assets | 85.6536% | 3,414 |
| Equity capital to assets | 13.9002% | 1,196 |
| Core capital (leverage) ratio | 12.6811% | 1,354 |
| Tier 1 risk-based capital ratio | 25.2351% | 893 |
| Total risk-based capital ratio | 26.4976% | 886 |
| Memoranda: | ||
| Average total assets | $41,272,250 | 6,680 |
| Average earning assets | $36,988,250 | 6,701 |
| Average equity | $5,116,000 | 6,461 |
| Average total loans | $19,933,500 | 6,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 2,775 |
| Cost of funding earning assets | 0.7038% | 5,937 |
| Net interest margin | 4.3754% | 1,449 |
| Noninterest income to average assets | 0.4841% | 3,989 |
| Noninterest expense to average assets | 3.8350% | 1,301 |
| Loan and lease loss provision to assets | 0.3290% | 2,812 |
| Net operating income to assets | 0.2350% | 5,613 |
| Return on assets (ROA) | 0.2350% | 5,732 |
| Pretax return on assets | 0.2350% | 5,849 |
| Return on Equity (ROE) | 1.9657% | 5,797 |
| Retained earnings to average equity (ytd only) | 0.8649% | 5,523 |
| Net charge-offs to loans | 0.7469% | 2,010 |
| Credit loss provision to net charge-offs | 93.3333% | 3,367 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,089 |
| Efficiency ratio | 87.1795% | 1,493 |
| Assets per employee ($millions) | 2.5248% | 6,881 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 1,802 |
| Loan loss allowance to noncurrent loans | 71.1726% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.6091% | 2,552 |
| Noncurrent loans to loans | 3.1845% | 2,251 |
| Net loans and leases to total assets | 46.6470% | 6,199 |
| Net loans and leases to deposits | 53.6377% | 6,336 |
| Net loans and leases to core deposits | 60.6638% | 6,036 |
| Total domestic deposits to total assets | 86.9669% | 2,758 |
| Equity capital to assets | 12.7138% | 1,665 |
| Core capital (leverage) ratio | 11.4224% | 1,959 |
| Tier 1 risk-based capital ratio | 23.5055% | 1,059 |
| Total risk-based capital ratio | 24.7685% | 1,042 |
| Memoranda: | ||
| Average total assets | $42,555,000 | 6,696 |
| Average earning assets | $38,076,670 | 6,714 |
| Average equity | $5,087,330 | 6,505 |
| Average total loans | $20,083,330 | 6,777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 2,909 |
| Cost of funding earning assets | 0.7156% | 6,054 |
| Net interest margin | 4.3241% | 1,490 |
| Noninterest income to average assets | 0.5042% | 3,851 |
| Noninterest expense to average assets | 3.4285% | 2,201 |
| Loan and lease loss provision to assets | 0.3667% | 2,367 |
| Net operating income to assets | 0.5867% | 4,105 |
| Return on assets (ROA) | 0.5867% | 4,172 |
| Pretax return on assets | 0.5867% | 4,739 |
| Return on Equity (ROE) | 5.0563% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.0563% | 3,151 |
| Net charge-offs to loans | 0.0781% | 4,161 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 78.2427% | 2,807 |
| Assets per employee ($millions) | 2.5477% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 1,417 |
| Loan loss allowance to noncurrent loans | 76.3955% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 2,649 |
| Noncurrent loans to loans | 3.3143% | 2,266 |
| Net loans and leases to total assets | 42.5735% | 6,572 |
| Net loans and leases to deposits | 48.3925% | 6,729 |
| Net loans and leases to core deposits | 59.1809% | 6,169 |
| Total domestic deposits to total assets | 87.9753% | 2,386 |
| Equity capital to assets | 11.7614% | 2,069 |
| Core capital (leverage) ratio | 10.7232% | 2,421 |
| Tier 1 risk-based capital ratio | 23.4545% | 1,032 |
| Total risk-based capital ratio | 24.7183% | 1,016 |
| Memoranda: | ||
| Average total assets | $43,634,000 | 6,706 |
| Average earning assets | $39,129,500 | 6,715 |
| Average equity | $5,063,000 | 6,538 |
| Average total loans | $20,484,500 | 6,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 561 |
| Cost of funding earning assets | 1.1654% | 4,767 |
| Net interest margin | 5.0364% | 394 |
| Noninterest income to average assets | 0.4061% | 4,863 |
| Noninterest expense to average assets | 3.1325% | 3,341 |
| Loan and lease loss provision to assets | 2.0883% | 617 |
| Net operating income to assets | -0.3395% | 6,255 |
| Return on assets (ROA) | -0.2170% | 6,188 |
| Pretax return on assets | -0.2170% | 6,102 |
| Return on Equity (ROE) | -1.9311% | 6,164 |
| Retained earnings to average equity (ytd only) | -7.6670% | 6,510 |
| Net charge-offs to loans | 3.4329% | 426 |
| Credit loss provision to net charge-offs | 108.6034% | 4,069 |
| Earnings coverage of net charge-offs (x) | 0.9095% | 5,203 |
| Efficiency ratio | 64.1725% | 5,321 |
| Assets per employee ($millions) | 2.7473% | 6,614 |
| Cash dividends to net income (ytd only)* | -297.0297% | 7,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 2,274 |
| Loan loss allowance to noncurrent loans | 47.0776% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.2714% | 2,161 |
| Noncurrent loans to loans | 4.2674% | 1,698 |
| Net loans and leases to total assets | 49.1571% | 6,259 |
| Net loans and leases to deposits | 55.6405% | 6,471 |
| Net loans and leases to core deposits | 70.5544% | 5,392 |
| Total domestic deposits to total assets | 88.3477% | 2,040 |
| Equity capital to assets | 11.4476% | 2,307 |
| Core capital (leverage) ratio | 10.2812% | 2,784 |
| Tier 1 risk-based capital ratio | 21.4760% | 1,251 |
| Total risk-based capital ratio | 22.7355% | 1,226 |
| Memoranda: | ||
| Average total assets | $46,544,400 | 6,649 |
| Average earning assets | $41,359,200 | 6,663 |
| Average equity | $5,230,200 | 6,584 |
| Average total loans | $26,071,000 | 6,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3922% | 419 |
| Cost of funding earning assets | 1.2612% | 4,486 |
| Net interest margin | 5.1310% | 331 |
| Noninterest income to average assets | 0.3871% | 5,061 |
| Noninterest expense to average assets | 3.1050% | 3,313 |
| Loan and lease loss provision to assets | 1.8562% | 670 |
| Net operating income to assets | -0.0339% | 6,067 |
| Return on assets (ROA) | 0.1271% | 5,866 |
| Pretax return on assets | 0.1271% | 5,874 |
| Return on Equity (ROE) | 1.1364% | 5,863 |
| Retained earnings to average equity (ytd only) | -6.4395% | 6,675 |
| Net charge-offs to loans | 1.4921% | 1,349 |
| Credit loss provision to net charge-offs | 216.8317% | 1,600 |
| Earnings coverage of net charge-offs (x) | 2.1287% | 4,127 |
| Efficiency ratio | 63.0161% | 5,427 |
| Assets per employee ($millions) | 2.9239% | 6,319 |
| Cash dividends to net income (ytd only)* | 666.6500% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5511% | 1,268 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.2377% | 2,205 |
| Noncurrent loans to loans | 4.6770% | 1,519 |
| Net loans and leases to total assets | 62.7092% | 4,383 |
| Net loans and leases to deposits | 73.9050% | 4,527 |
| Net loans and leases to core deposits | 96.1307% | 2,245 |
| Total domestic deposits to total assets | 84.8511% | 3,694 |
| Equity capital to assets | 12.0480% | 2,131 |
| Core capital (leverage) ratio | 10.7929% | 2,420 |
| Tier 1 risk-based capital ratio | 18.4971% | 1,869 |
| Total risk-based capital ratio | 19.7660% | 1,836 |
| Memoranda: | ||
| Average total assets | $47,191,250 | 6,714 |
| Average earning assets | $41,758,000 | 6,732 |
| Average equity | $5,279,750 | 6,650 |
| Average total loans | $27,076,000 | 6,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3000% | 513 |
| Cost of funding earning assets | 1.3755% | 4,025 |
| Net interest margin | 4.9245% | 510 |
| Noninterest income to average assets | 0.4223% | 4,734 |
| Noninterest expense to average assets | 2.9315% | 3,957 |
| Loan and lease loss provision to assets | 2.4512% | 472 |
| Net operating income to assets | -0.6169% | 6,753 |
| Return on assets (ROA) | -0.6169% | 6,780 |
| Pretax return on assets | -0.6169% | 6,674 |
| Return on Equity (ROE) | -5.6457% | 6,753 |
| Retained earnings to average equity (ytd only) | -17.0130% | 7,167 |
| Net charge-offs to loans | 1.1014% | 1,716 |
| Credit loss provision to net charge-offs | 402.7211% | 900 |
| Earnings coverage of net charge-offs (x) | 3.0136% | 3,492 |
| Efficiency ratio | 61.5117% | 5,765 |
| Assets per employee ($millions) | 3.3514% | 5,306 |
| Cash dividends to net income (ytd only)* | -201.3423% | 7,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9718% | 840 |
| Loan loss allowance to noncurrent loans | 91.9501% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 3,266 |
| Noncurrent loans to loans | 3.2320% | 2,480 |
| Net loans and leases to total assets | 56.4344% | 5,637 |
| Net loans and leases to deposits | 63.5628% | 6,079 |
| Net loans and leases to core deposits | 85.1004% | 3,977 |
| Total domestic deposits to total assets | 88.7852% | 1,554 |
| Equity capital to assets | 10.8333% | 3,047 |
| Core capital (leverage) ratio | 9.6304% | 3,639 |
| Tier 1 risk-based capital ratio | 18.7879% | 1,767 |
| Total risk-based capital ratio | 20.0619% | 1,734 |
| Memoranda: | ||
| Average total assets | $48,302,330 | 6,720 |
| Average earning assets | $42,603,000 | 6,754 |
| Average equity | $5,278,330 | 6,689 |
| Average total loans | $26,693,670 | 6,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2178% | 620 |
| Cost of funding earning assets | 1.5107% | 3,488 |
| Net interest margin | 4.7071% | 773 |
| Noninterest income to average assets | 0.5144% | 3,938 |
| Noninterest expense to average assets | 2.9555% | 3,837 |
| Loan and lease loss provision to assets | 0.7348% | 1,729 |
| Net operating income to assets | 0.9961% | 2,202 |
| Return on assets (ROA) | 0.9961% | 2,271 |
| Pretax return on assets | 0.9961% | 3,107 |
| Return on Equity (ROE) | 9.0774% | 2,467 |
| Retained earnings to average equity (ytd only) | -5.8036% | 6,646 |
| Net charge-offs to loans | 0.2122% | 3,653 |
| Credit loss provision to net charge-offs | 642.8571% | 678 |
| Earnings coverage of net charge-offs (x) | 15.1429% | 1,393 |
| Efficiency ratio | 63.0662% | 5,650 |
| Assets per employee ($millions) | 3.3131% | 5,511 |
| Cash dividends to net income (ytd only)* | 163.9344% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 2,937 |
| Loan loss allowance to noncurrent loans | 110.7769% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 4,641 |
| Noncurrent loans to loans | 1.5678% | 4,394 |
| Net loans and leases to total assets | 50.3209% | 6,435 |
| Net loans and leases to deposits | 56.6189% | 6,725 |
| Net loans and leases to core deposits | 76.1070% | 5,246 |
| Total domestic deposits to total assets | 88.8766% | 1,583 |
| Equity capital to assets | 10.8035% | 2,951 |
| Core capital (leverage) ratio | 10.0999% | 3,041 |
| Tier 1 risk-based capital ratio | 20.0612% | 1,511 |
| Total risk-based capital ratio | 21.3175% | 1,482 |
| Memoranda: | ||
| Average total assets | $48,993,500 | 6,766 |
| Average earning assets | $43,424,000 | 6,799 |
| Average equity | $5,376,000 | 6,716 |
| Average total loans | $26,395,500 | 6,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4426% | 749 |
| Cost of funding earning assets | 1.9172% | 3,367 |
| Net interest margin | 4.5254% | 1,121 |
| Noninterest income to average assets | 0.4840% | 4,533 |
| Noninterest expense to average assets | 2.7586% | 5,127 |
| Loan and lease loss provision to assets | 0.4368% | 4,207 |
| Net operating income to assets | 1.5662% | 591 |
| Return on assets (ROA) | 1.7925% | 385 |
| Pretax return on assets | 1.7925% | 644 |
| Return on Equity (ROE) | 17.9232% | 373 |
| Retained earnings to average equity (ytd only) | 12.0209% | 206 |
| Net charge-offs to loans | 0.6780% | 3,154 |
| Credit loss provision to net charge-offs | 121.9780% | 4,344 |
| Earnings coverage of net charge-offs (x) | 5.5934% | 2,551 |
| Efficiency ratio | 57.9339% | 6,770 |
| Assets per employee ($millions) | 3.0181% | 6,179 |
| Cash dividends to net income (ytd only)* | 32.9308% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,541 |
| Loan loss allowance to noncurrent loans | 61.2040% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6608% | 3,882 |
| Noncurrent loans to loans | 2.1872% | 3,404 |
| Net loans and leases to total assets | 55.8604% | 5,967 |
| Net loans and leases to deposits | 63.0552% | 6,358 |
| Net loans and leases to core deposits | 96.7227% | 4,381 |
| Total domestic deposits to total assets | 88.5898% | 1,681 |
| Equity capital to assets | 11.1472% | 2,583 |
| Core capital (leverage) ratio | 10.5554% | 2,551 |
| Tier 1 risk-based capital ratio | 19.3483% | 1,583 |
| Total risk-based capital ratio | 20.5981% | 1,542 |
| Memoranda: | ||
| Average total assets | $50,822,800 | 6,674 |
| Average earning assets | $48,039,800 | 6,599 |
| Average equity | $5,082,800 | 6,910 |
| Average total loans | $26,842,400 | 6,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4319% | 872 |
| Cost of funding earning assets | 2.0163% | 3,274 |
| Net interest margin | 4.4156% | 1,403 |
| Noninterest income to average assets | 0.4923% | 4,552 |
| Noninterest expense to average assets | 2.6715% | 5,449 |
| Loan and lease loss provision to assets | 0.4198% | 3,810 |
| Net operating income to assets | 1.5832% | 683 |
| Return on assets (ROA) | 1.5780% | 743 |
| Pretax return on assets | 1.5780% | 1,223 |
| Return on Equity (ROE) | 16.2145% | 625 |
| Retained earnings to average equity (ytd only) | 10.8895% | 484 |
| Net charge-offs to loans | 0.7286% | 2,537 |
| Credit loss provision to net charge-offs | 110.9589% | 4,584 |
| Earnings coverage of net charge-offs (x) | 5.2946% | 2,870 |
| Efficiency ratio | 57.1508% | 6,850 |
| Assets per employee ($millions) | 3.3260% | 5,318 |
| Cash dividends to net income (ytd only)* | 32.8407% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,581 |
| Loan loss allowance to noncurrent loans | 63.2163% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 4,065 |
| Noncurrent loans to loans | 1.7758% | 3,953 |
| Net loans and leases to total assets | 60.3788% | 5,528 |
| Net loans and leases to deposits | 80.0292% | 4,381 |
| Net loans and leases to core deposits | 128.1884% | 1,567 |
| Total domestic deposits to total assets | 75.4460% | 6,688 |
| Equity capital to assets | 10.5793% | 3,431 |
| Core capital (leverage) ratio | 9.7713% | 3,548 |
| Tier 1 risk-based capital ratio | 16.9531% | 2,288 |
| Total risk-based capital ratio | 18.1311% | 2,263 |
| Memoranda: | ||
| Average total assets | $51,456,000 | 6,707 |
| Average earning assets | $48,734,750 | 6,623 |
| Average equity | $5,007,750 | 6,995 |
| Average total loans | $26,717,750 | 6,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 1,481 |
| Cost of funding earning assets | 2.0195% | 3,682 |
| Net interest margin | 4.1731% | 2,084 |
| Noninterest income to average assets | 0.4694% | 4,714 |
| Noninterest expense to average assets | 2.5934% | 5,764 |
| Loan and lease loss provision to assets | 0.3925% | 3,562 |
| Net operating income to assets | 1.4352% | 949 |
| Return on assets (ROA) | 1.4275% | 1,029 |
| Pretax return on assets | 1.4275% | 1,649 |
| Return on Equity (ROE) | 15.0884% | 819 |
| Retained earnings to average equity (ytd only) | 11.0215% | 561 |
| Net charge-offs to loans | 1.0994% | 1,650 |
| Credit loss provision to net charge-offs | 72.8571% | 5,366 |
| Earnings coverage of net charge-offs (x) | 3.3929% | 3,451 |
| Efficiency ratio | 58.6597% | 6,739 |
| Assets per employee ($millions) | 3.5572% | 4,665 |
| Cash dividends to net income (ytd only)* | 26.9542% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 5,804 |
| Loan loss allowance to noncurrent loans | 60.7595% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 4,316 |
| Noncurrent loans to loans | 1.7558% | 3,875 |
| Net loans and leases to total assets | 53.6315% | 6,503 |
| Net loans and leases to deposits | 68.4004% | 6,144 |
| Net loans and leases to core deposits | 103.6156% | 4,104 |
| Total domestic deposits to total assets | 78.4081% | 5,973 |
| Equity capital to assets | 9.8552% | 4,142 |
| Core capital (leverage) ratio | 9.2411% | 4,249 |
| Tier 1 risk-based capital ratio | 18.2373% | 1,946 |
| Total risk-based capital ratio | 19.3352% | 1,937 |
| Memoranda: | ||
| Average total assets | $51,978,000 | 6,746 |
| Average earning assets | $49,220,000 | 6,664 |
| Average equity | $4,917,670 | 7,094 |
| Average total loans | $25,468,670 | 6,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0965% | 1,960 |
| Cost of funding earning assets | 2.0401% | 3,923 |
| Net interest margin | 4.0563% | 2,431 |
| Noninterest income to average assets | 0.4221% | 5,024 |
| Noninterest expense to average assets | 2.4498% | 6,025 |
| Loan and lease loss provision to assets | 0.3920% | 2,975 |
| Net operating income to assets | 1.4171% | 1,107 |
| Return on assets (ROA) | 1.4020% | 1,223 |
| Pretax return on assets | 1.4020% | 1,963 |
| Return on Equity (ROE) | 15.1143% | 960 |
| Retained earnings to average equity (ytd only) | 6.9883% | 2,210 |
| Net charge-offs to loans | 1.7325% | 836 |
| Credit loss provision to net charge-offs | 48.5981% | 4,706 |
| Earnings coverage of net charge-offs (x) | 2.2430% | 3,617 |
| Efficiency ratio | 57.5221% | 6,759 |
| Assets per employee ($millions) | 3.5390% | 4,728 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,315 |
| Loan loss allowance to noncurrent loans | 94.7552% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 5,291 |
| Noncurrent loans to loans | 1.1841% | 4,605 |
| Net loans and leases to total assets | 44.9882% | 7,263 |
| Net loans and leases to deposits | 55.6197% | 7,178 |
| Net loans and leases to core deposits | 85.7985% | 5,920 |
| Total domestic deposits to total assets | 80.8854% | 5,016 |
| Equity capital to assets | 9.3605% | 4,855 |
| Core capital (leverage) ratio | 8.6863% | 5,176 |
| Tier 1 risk-based capital ratio | 18.6122% | 1,900 |
| Total risk-based capital ratio | 19.7087% | 1,904 |
| Memoranda: | ||
| Average total assets | $53,066,500 | 6,738 |
| Average earning assets | $50,193,000 | 6,653 |
| Average equity | $4,922,500 | 7,139 |
| Average total loans | $24,704,500 | 7,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9067% | 1,374 |
| Cost of funding earning assets | 2.5666% | 3,870 |
| Net interest margin | 4.3401% | 1,856 |
| Noninterest income to average assets | 0.5081% | 4,557 |
| Noninterest expense to average assets | 2.4043% | 6,374 |
| Loan and lease loss provision to assets | 0.2745% | 4,200 |
| Net operating income to assets | 1.9312% | 411 |
| Return on assets (ROA) | -1.9332% | 7,549 |
| Pretax return on assets | -1.9332% | 7,420 |
| Return on Equity (ROE) | -19.5897% | 7,752 |
| Retained earnings to average equity (ytd only) | -33.3991% | 7,966 |
| Net charge-offs to loans | 0.1493% | 4,716 |
| Credit loss provision to net charge-offs | 361.5385% | 1,225 |
| Earnings coverage of net charge-offs (x) | 29.0513% | 1,195 |
| Efficiency ratio | 52.1537% | 7,471 |
| Assets per employee ($millions) | 3.5365% | 4,577 |
| Cash dividends to net income (ytd only)* | -70.4935% | 8,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 3,847 |
| Loan loss allowance to noncurrent loans | 62.5720% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 3,731 |
| Noncurrent loans to loans | 2.0629% | 2,674 |
| Net loans and leases to total assets | 46.9952% | 7,255 |
| Net loans and leases to deposits | 57.9660% | 7,207 |
| Net loans and leases to core deposits | 94.1394% | 5,439 |
| Total domestic deposits to total assets | 81.0737% | 4,608 |
| Equity capital to assets | 9.1917% | 5,093 |
| Core capital (leverage) ratio | 8.4630% | 5,637 |
| Tier 1 risk-based capital ratio | 16.2181% | 2,578 |
| Total risk-based capital ratio | 17.3896% | 2,545 |
| Memoranda: | ||
| Average total assets | $51,366,200 | 6,717 |
| Average earning assets | $48,546,800 | 6,653 |
| Average equity | $5,069,000 | 7,118 |
| Average total loans | $26,126,400 | 6,956 |