Home > Merrill Federal Savings and Loan Association > Performance and Condition Ratios
Merrill Federal Savings and Loan Association, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,607 |
| Cost of funding earning assets | 0.2590% | 4,520 |
| Net interest margin | 3.9119% | 1,932 |
| Noninterest income to average assets | 0.2447% | 5,009 |
| Noninterest expense to average assets | 2.9678% | 2,408 |
| Loan and lease loss provision to assets | 0.0169% | 3,907 |
| Net operating income to assets | 0.5964% | 4,310 |
| Return on assets (ROA) | 0.5964% | 4,419 |
| Pretax return on assets | 0.9986% | 3,637 |
| Return on Equity (ROE) | 4.4074% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.4074% | 3,196 |
| Net charge-offs to loans | 0.0907% | 2,056 |
| Credit loss provision to net charge-offs | 21.4286% | 3,287 |
| Earnings coverage of net charge-offs (x) | 12.8937% | 2,349 |
| Efficiency ratio | 74.5056% | 2,192 |
| Assets per employee ($millions) | 4.7068% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,356 |
| Loan loss allowance to noncurrent loans | 354.8148% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 4,284 |
| Noncurrent loans to loans | 0.3332% | 4,060 |
| Net loans and leases to total assets | 85.0642% | 320 |
| Net loans and leases to deposits | 101.5883% | 601 |
| Net loans and leases to core deposits | 111.8974% | 815 |
| Total domestic deposits to total assets | 83.7342% | 3,304 |
| Equity capital to assets | 13.8353% | 1,102 |
| Core capital (leverage) ratio | 13.4817% | 1,008 |
| Tier 1 risk-based capital ratio | 18.0071% | 1,915 |
| Total risk-based capital ratio | 19.2590% | 1,885 |
| Memoranda: | ||
| Average total assets | $47,396,500 | 5,453 |
| Average earning assets | $45,296,500 | 5,407 |
| Average equity | $6,413,250 | 5,260 |
| Average total loans | $41,163,000 | 4,885 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 2,688 |
| Cost of funding earning assets | 0.2496% | 4,663 |
| Net interest margin | 3.8970% | 1,986 |
| Noninterest income to average assets | 0.2147% | 5,204 |
| Noninterest expense to average assets | 2.9638% | 2,471 |
| Loan and lease loss provision to assets | 0.0253% | 3,633 |
| Net operating income to assets | 0.5810% | 4,348 |
| Return on assets (ROA) | 0.5810% | 4,474 |
| Pretax return on assets | 0.9725% | 3,694 |
| Return on Equity (ROE) | 4.3258% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.3258% | 3,167 |
| Net charge-offs to loans | 0.1015% | 1,817 |
| Credit loss provision to net charge-offs | 28.5714% | 2,868 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 2,271 |
| Efficiency ratio | 74.8140% | 2,245 |
| Assets per employee ($millions) | 4.7834% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 3,410 |
| Loan loss allowance to noncurrent loans | 255.7895% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 3,120 |
| Noncurrent loans to loans | 0.4661% | 3,695 |
| Net loans and leases to total assets | 84.2100% | 404 |
| Net loans and leases to deposits | 100.1865% | 683 |
| Net loans and leases to core deposits | 110.1145% | 930 |
| Total domestic deposits to total assets | 84.0532% | 3,243 |
| Equity capital to assets | 13.4590% | 1,256 |
| Core capital (leverage) ratio | 13.3714% | 1,028 |
| Tier 1 risk-based capital ratio | 17.7089% | 2,011 |
| Total risk-based capital ratio | 18.9601% | 1,970 |
| Memoranda: | ||
| Average total assets | $47,506,000 | 5,511 |
| Average earning assets | $45,675,670 | 5,454 |
| Average equity | $6,380,330 | 5,315 |
| Average total loans | $41,378,330 | 4,918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 2,669 |
| Cost of funding earning assets | 0.2365% | 4,846 |
| Net interest margin | 3.9074% | 1,915 |
| Noninterest income to average assets | 0.2197% | 5,162 |
| Noninterest expense to average assets | 2.5263% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8703% | 2,898 |
| Return on assets (ROA) | 0.8703% | 3,014 |
| Pretax return on assets | 1.4617% | 1,712 |
| Return on Equity (ROE) | 6.4867% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.4867% | 2,139 |
| Net charge-offs to loans | 0.2015% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.2381% | 2,072 |
| Efficiency ratio | 63.3475% | 4,243 |
| Assets per employee ($millions) | 4.7010% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,761 |
| Loan loss allowance to noncurrent loans | 1,043.4783% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 4,236 |
| Noncurrent loans to loans | 0.1103% | 5,035 |
| Net loans and leases to total assets | 87.6813% | 134 |
| Net loans and leases to deposits | 104.5212% | 388 |
| Net loans and leases to core deposits | 113.5760% | 686 |
| Total domestic deposits to total assets | 83.8885% | 3,561 |
| Equity capital to assets | 13.6205% | 1,129 |
| Core capital (leverage) ratio | 13.2148% | 1,074 |
| Tier 1 risk-based capital ratio | 17.7973% | 2,040 |
| Total risk-based capital ratio | 19.0505% | 2,002 |
| Memoranda: | ||
| Average total assets | $47,342,000 | 5,569 |
| Average earning assets | $45,656,500 | 5,504 |
| Average equity | $6,351,500 | 5,349 |
| Average total loans | $41,684,000 | 4,943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,520 |
| Cost of funding earning assets | 0.2621% | 4,674 |
| Net interest margin | 3.9496% | 1,873 |
| Noninterest income to average assets | 0.1882% | 5,470 |
| Noninterest expense to average assets | 2.5965% | 3,937 |
| Loan and lease loss provision to assets | 0.0278% | 3,820 |
| Net operating income to assets | 0.8170% | 3,265 |
| Return on assets (ROA) | 0.8170% | 3,343 |
| Pretax return on assets | 1.3667% | 2,042 |
| Return on Equity (ROE) | 6.2506% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.2506% | 1,673 |
| Net charge-offs to loans | 0.0241% | 3,773 |
| Credit loss provision to net charge-offs | 130.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 821 |
| Efficiency ratio | 65.0589% | 4,069 |
| Assets per employee ($millions) | 4.7674% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,453 |
| Loan loss allowance to noncurrent loans | 246.0784% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 3,897 |
| Noncurrent loans to loans | 0.4896% | 3,738 |
| Net loans and leases to total assets | 86.3511% | 207 |
| Net loans and leases to deposits | 102.6583% | 504 |
| Net loans and leases to core deposits | 109.5800% | 878 |
| Total domestic deposits to total assets | 84.1150% | 3,444 |
| Equity capital to assets | 13.2148% | 1,248 |
| Core capital (leverage) ratio | 13.1612% | 1,089 |
| Tier 1 risk-based capital ratio | 17.9618% | 1,973 |
| Total risk-based capital ratio | 19.2156% | 1,931 |
| Memoranda: | ||
| Average total assets | $46,754,800 | 5,615 |
| Average earning assets | $45,017,400 | 5,556 |
| Average equity | $6,111,400 | 5,415 |
| Average total loans | $41,578,000 | 4,947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,495 |
| Cost of funding earning assets | 0.2737% | 4,624 |
| Net interest margin | 3.9543% | 1,860 |
| Noninterest income to average assets | 0.1920% | 5,508 |
| Noninterest expense to average assets | 2.5907% | 3,915 |
| Loan and lease loss provision to assets | 0.0372% | 3,465 |
| Net operating income to assets | 0.8225% | 3,319 |
| Return on assets (ROA) | 0.8225% | 3,404 |
| Pretax return on assets | 1.3727% | 2,126 |
| Return on Equity (ROE) | 6.3101% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.3101% | 2,061 |
| Net charge-offs to loans | 0.0385% | 3,125 |
| Credit loss provision to net charge-offs | 108.3333% | 2,133 |
| Earnings coverage of net charge-offs (x) | 40.9988% | 1,222 |
| Efficiency ratio | 64.7564% | 4,109 |
| Assets per employee ($millions) | 4.6559% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 3,705 |
| Loan loss allowance to noncurrent loans | 264.0212% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 4,151 |
| Noncurrent loans to loans | 0.4512% | 3,997 |
| Net loans and leases to total assets | 88.8937% | 96 |
| Net loans and leases to deposits | 105.9682% | 365 |
| Net loans and leases to core deposits | 113.3142% | 695 |
| Total domestic deposits to total assets | 83.8871% | 3,476 |
| Equity capital to assets | 13.3250% | 1,301 |
| Core capital (leverage) ratio | 13.0726% | 1,180 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,272 |
| Total risk-based capital ratio | 18.5220% | 2,224 |
| Memoranda: | ||
| Average total assets | $46,525,000 | 5,693 |
| Average earning assets | $44,811,250 | 5,634 |
| Average equity | $6,064,250 | 5,486 |
| Average total loans | $41,555,250 | 5,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,477 |
| Cost of funding earning assets | 0.2817% | 4,591 |
| Net interest margin | 3.9390% | 1,860 |
| Noninterest income to average assets | 0.1978% | 5,500 |
| Noninterest expense to average assets | 2.5971% | 3,916 |
| Loan and lease loss provision to assets | 0.0301% | 3,526 |
| Net operating income to assets | 0.8299% | 3,217 |
| Return on assets (ROA) | 0.8299% | 3,332 |
| Pretax return on assets | 1.3587% | 2,151 |
| Return on Equity (ROE) | 6.4144% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.4144% | 1,991 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1564% | 4,162 |
| Assets per employee ($millions) | 4.6196% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,753 |
| Loan loss allowance to noncurrent loans | 291.9075% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 4,395 |
| Noncurrent loans to loans | 0.4134% | 4,240 |
| Net loans and leases to total assets | 89.4991% | 82 |
| Net loans and leases to deposits | 106.7298% | 350 |
| Net loans and leases to core deposits | 114.1875% | 658 |
| Total domestic deposits to total assets | 83.8557% | 3,630 |
| Equity capital to assets | 13.2284% | 1,290 |
| Core capital (leverage) ratio | 13.0085% | 1,163 |
| Tier 1 risk-based capital ratio | 16.9995% | 2,402 |
| Total risk-based capital ratio | 18.2533% | 2,350 |
| Memoranda: | ||
| Average total assets | $46,513,670 | 5,755 |
| Average earning assets | $44,732,330 | 5,693 |
| Average equity | $6,017,670 | 5,547 |
| Average total loans | $41,444,670 | 5,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,459 |
| Cost of funding earning assets | 0.2853% | 4,606 |
| Net interest margin | 3.9139% | 1,847 |
| Noninterest income to average assets | 0.1714% | 5,690 |
| Noninterest expense to average assets | 2.4511% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9085% | 2,705 |
| Return on assets (ROA) | 0.9085% | 2,830 |
| Pretax return on assets | 1.4827% | 1,618 |
| Return on Equity (ROE) | 7.1010% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.1010% | 1,973 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3094% | 4,748 |
| Assets per employee ($millions) | 4.6114% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 3,883 |
| Loan loss allowance to noncurrent loans | 286.2069% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,507 |
| Noncurrent loans to loans | 0.4243% | 4,319 |
| Net loans and leases to total assets | 87.8388% | 115 |
| Net loans and leases to deposits | 104.6586% | 346 |
| Net loans and leases to core deposits | 111.9755% | 656 |
| Total domestic deposits to total assets | 83.9290% | 3,842 |
| Equity capital to assets | 13.0633% | 1,365 |
| Core capital (leverage) ratio | 12.6282% | 1,304 |
| Tier 1 risk-based capital ratio | 17.1731% | 2,414 |
| Total risk-based capital ratio | 18.4233% | 2,372 |
| Memoranda: | ||
| Average total assets | $46,672,500 | 5,801 |
| Average earning assets | $44,866,000 | 5,741 |
| Average equity | $5,971,000 | 5,606 |
| Average total loans | $41,242,000 | 5,094 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,930 |
| Cost of funding earning assets | 0.3719% | 4,013 |
| Net interest margin | 3.8359% | 2,489 |
| Noninterest income to average assets | 0.0930% | 6,181 |
| Noninterest expense to average assets | 2.5552% | 4,377 |
| Loan and lease loss provision to assets | 0.0423% | 3,729 |
| Net operating income to assets | 0.7059% | 3,859 |
| Return on assets (ROA) | 0.7059% | 3,978 |
| Pretax return on assets | 1.1793% | 2,735 |
| Return on Equity (ROE) | 5.8041% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.8041% | 2,064 |
| Net charge-offs to loans | 0.3257% | 1,352 |
| Credit loss provision to net charge-offs | 14.8148% | 4,042 |
| Earnings coverage of net charge-offs (x) | 4.2815% | 3,693 |
| Efficiency ratio | 67.6553% | 3,954 |
| Assets per employee ($millions) | 4.7231% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,989 |
| Loan loss allowance to noncurrent loans | 134.2318% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 2,921 |
| Noncurrent loans to loans | 0.8944% | 3,080 |
| Net loans and leases to total assets | 86.7693% | 164 |
| Net loans and leases to deposits | 102.8871% | 479 |
| Net loans and leases to core deposits | 109.8536% | 785 |
| Total domestic deposits to total assets | 84.3344% | 3,579 |
| Equity capital to assets | 12.5299% | 1,628 |
| Core capital (leverage) ratio | 12.1838% | 1,508 |
| Tier 1 risk-based capital ratio | 16.7343% | 2,630 |
| Total risk-based capital ratio | 17.9867% | 2,577 |
| Memoranda: | ||
| Average total assets | $47,315,000 | 5,849 |
| Average earning assets | $45,439,000 | 5,785 |
| Average equity | $5,754,600 | 5,675 |
| Average total loans | $41,451,200 | 5,126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,954 |
| Cost of funding earning assets | 0.3928% | 3,865 |
| Net interest margin | 3.8169% | 2,553 |
| Noninterest income to average assets | 0.2000% | 5,731 |
| Noninterest expense to average assets | 2.5913% | 4,225 |
| Loan and lease loss provision to assets | 0.0423% | 3,551 |
| Net operating income to assets | 0.7323% | 3,773 |
| Return on assets (ROA) | 0.7323% | 3,877 |
| Pretax return on assets | 1.2337% | 2,639 |
| Return on Equity (ROE) | 6.0671% | 4,198 |
| Retained earnings to average equity (ytd only) | 6.0671% | 2,368 |
| Net charge-offs to loans | 0.2220% | 1,712 |
| Credit loss provision to net charge-offs | 21.7391% | 3,565 |
| Earnings coverage of net charge-offs (x) | 6.5650% | 3,060 |
| Efficiency ratio | 67.0066% | 4,042 |
| Assets per employee ($millions) | 4.6984% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 3,405 |
| Loan loss allowance to noncurrent loans | 150.2688% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 2,767 |
| Noncurrent loans to loans | 0.8966% | 3,323 |
| Net loans and leases to total assets | 87.1169% | 148 |
| Net loans and leases to deposits | 103.2256% | 442 |
| Net loans and leases to core deposits | 121.2232% | 369 |
| Total domestic deposits to total assets | 84.3947% | 3,594 |
| Equity capital to assets | 12.4383% | 1,744 |
| Core capital (leverage) ratio | 12.0900% | 1,644 |
| Tier 1 risk-based capital ratio | 16.1413% | 2,991 |
| Total risk-based capital ratio | 17.3937% | 2,942 |
| Memoranda: | ||
| Average total assets | $47,336,000 | 5,916 |
| Average earning assets | $45,480,500 | 5,850 |
| Average equity | $5,713,750 | 5,741 |
| Average total loans | $41,444,000 | 5,173 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,971 |
| Cost of funding earning assets | 0.3897% | 3,996 |
| Net interest margin | 3.8052% | 2,555 |
| Noninterest income to average assets | 0.2065% | 5,722 |
| Noninterest expense to average assets | 2.6173% | 4,177 |
| Loan and lease loss provision to assets | 0.0632% | 3,005 |
| Net operating income to assets | 0.7207% | 3,730 |
| Return on assets (ROA) | 0.7207% | 3,827 |
| Pretax return on assets | 1.1885% | 2,713 |
| Return on Equity (ROE) | 6.0314% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.0314% | 2,305 |
| Net charge-offs to loans | 0.2028% | 1,813 |
| Credit loss provision to net charge-offs | 35.7143% | 2,978 |
| Earnings coverage of net charge-offs (x) | 7.0714% | 2,684 |
| Efficiency ratio | 67.6471% | 4,075 |
| Assets per employee ($millions) | 4.3455% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 3,223 |
| Loan loss allowance to noncurrent loans | 169.1643% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 3,805 |
| Noncurrent loans to loans | 0.8419% | 3,604 |
| Net loans and leases to total assets | 84.9940% | 235 |
| Net loans and leases to deposits | 101.3470% | 490 |
| Net loans and leases to core deposits | 118.7814% | 406 |
| Total domestic deposits to total assets | 83.8644% | 3,971 |
| Equity capital to assets | 12.0395% | 1,948 |
| Core capital (leverage) ratio | 11.6734% | 1,871 |
| Tier 1 risk-based capital ratio | 16.0816% | 3,047 |
| Total risk-based capital ratio | 17.3347% | 2,986 |
| Memoranda: | ||
| Average total assets | $47,453,330 | 5,970 |
| Average earning assets | $45,674,000 | 5,893 |
| Average equity | $5,670,330 | 5,786 |
| Average total loans | $41,428,670 | 5,214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,901 |
| Cost of funding earning assets | 0.3966% | 4,015 |
| Net interest margin | 3.7984% | 2,478 |
| Noninterest income to average assets | 0.1523% | 6,058 |
| Noninterest expense to average assets | 2.5550% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7530% | 3,402 |
| Return on assets (ROA) | 0.7530% | 3,486 |
| Pretax return on assets | 1.2437% | 2,302 |
| Return on Equity (ROE) | 6.3255% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.3255% | 2,366 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2606% | 4,321 |
| Assets per employee ($millions) | 4.2452% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,201 |
| Loan loss allowance to noncurrent loans | 117.2084% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 3,015 |
| Noncurrent loans to loans | 1.2676% | 2,913 |
| Net loans and leases to total assets | 87.0399% | 109 |
| Net loans and leases to deposits | 104.1912% | 285 |
| Net loans and leases to core deposits | 123.8082% | 267 |
| Total domestic deposits to total assets | 83.5386% | 4,436 |
| Equity capital to assets | 12.1485% | 1,774 |
| Core capital (leverage) ratio | 11.7742% | 1,780 |
| Tier 1 risk-based capital ratio | 15.9644% | 3,186 |
| Total risk-based capital ratio | 17.2183% | 3,133 |
| Memoranda: | ||
| Average total assets | $47,279,500 | 6,034 |
| Average earning assets | $45,387,500 | 5,959 |
| Average equity | $5,628,000 | 5,837 |
| Average total loans | $41,535,500 | 5,255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,073 |
| Cost of funding earning assets | 0.5138% | 3,464 |
| Net interest margin | 4.0219% | 1,892 |
| Noninterest income to average assets | 0.2140% | 5,800 |
| Noninterest expense to average assets | 2.5619% | 4,581 |
| Loan and lease loss provision to assets | 0.0649% | 3,833 |
| Net operating income to assets | 0.8669% | 2,938 |
| Return on assets (ROA) | 0.8669% | 3,018 |
| Pretax return on assets | 1.4290% | 1,688 |
| Return on Equity (ROE) | 7.4485% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.4485% | 1,253 |
| Net charge-offs to loans | 0.0189% | 5,062 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 86.3750% | 524 |
| Efficiency ratio | 63.1663% | 5,031 |
| Assets per employee ($millions) | 4.3511% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,352 |
| Loan loss allowance to noncurrent loans | 154.0201% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 3,811 |
| Noncurrent loans to loans | 0.9519% | 3,609 |
| Net loans and leases to total assets | 86.0808% | 153 |
| Net loans and leases to deposits | 102.5054% | 375 |
| Net loans and leases to core deposits | 121.1230% | 312 |
| Total domestic deposits to total assets | 83.9769% | 4,177 |
| Equity capital to assets | 11.6648% | 2,050 |
| Core capital (leverage) ratio | 11.2976% | 2,123 |
| Tier 1 risk-based capital ratio | 15.2046% | 3,543 |
| Total risk-based capital ratio | 16.4582% | 3,490 |
| Memoranda: | ||
| Average total assets | $46,255,600 | 6,112 |
| Average earning assets | $44,182,600 | 6,045 |
| Average equity | $5,383,600 | 5,967 |
| Average total loans | $42,223,800 | 5,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,864 |
| Cost of funding earning assets | 0.5292% | 3,472 |
| Net interest margin | 4.0815% | 1,686 |
| Noninterest income to average assets | 0.2413% | 5,708 |
| Noninterest expense to average assets | 2.5908% | 4,422 |
| Loan and lease loss provision to assets | 0.0872% | 3,314 |
| Net operating income to assets | 0.8898% | 2,885 |
| Return on assets (ROA) | 0.8898% | 3,000 |
| Pretax return on assets | 1.4655% | 1,711 |
| Return on Equity (ROE) | 7.6492% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.6492% | 1,569 |
| Net charge-offs to loans | 0.0252% | 4,619 |
| Credit loss provision to net charge-offs | 375.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 66.7273% | 688 |
| Efficiency ratio | 62.5263% | 5,063 |
| Assets per employee ($millions) | 4.1625% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,667 |
| Loan loss allowance to noncurrent loans | 207.7966% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 4,452 |
| Noncurrent loans to loans | 0.6999% | 4,451 |
| Net loans and leases to total assets | 90.7159% | 32 |
| Net loans and leases to deposits | 108.7698% | 173 |
| Net loans and leases to core deposits | 129.7180% | 196 |
| Total domestic deposits to total assets | 83.4018% | 4,415 |
| Equity capital to assets | 11.9857% | 1,927 |
| Core capital (leverage) ratio | 11.6032% | 1,946 |
| Tier 1 risk-based capital ratio | 14.6847% | 3,961 |
| Total risk-based capital ratio | 15.8533% | 3,962 |
| Memoranda: | ||
| Average total assets | $45,854,000 | 6,193 |
| Average earning assets | $43,838,750 | 6,127 |
| Average equity | $5,333,750 | 6,055 |
| Average total loans | $42,326,500 | 5,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 1,783 |
| Cost of funding earning assets | 0.5180% | 3,723 |
| Net interest margin | 4.1025% | 1,538 |
| Noninterest income to average assets | 0.2572% | 5,609 |
| Noninterest expense to average assets | 2.5939% | 4,409 |
| Loan and lease loss provision to assets | 0.1308% | 2,685 |
| Net operating income to assets | 0.8719% | 2,944 |
| Return on assets (ROA) | 0.8719% | 3,096 |
| Pretax return on assets | 1.4343% | 1,826 |
| Return on Equity (ROE) | 7.5724% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5724% | 1,639 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3690% | 5,118 |
| Assets per employee ($millions) | 4.2143% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,737 |
| Loan loss allowance to noncurrent loans | 211.9454% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 4,652 |
| Noncurrent loans to loans | 0.6919% | 4,552 |
| Net loans and leases to total assets | 90.0166% | 44 |
| Net loans and leases to deposits | 107.3498% | 193 |
| Net loans and leases to core deposits | 131.0378% | 179 |
| Total domestic deposits to total assets | 83.8536% | 4,380 |
| Equity capital to assets | 11.6121% | 2,205 |
| Core capital (leverage) ratio | 11.2769% | 2,105 |
| Tier 1 risk-based capital ratio | 14.4981% | 4,095 |
| Total risk-based capital ratio | 15.6673% | 4,112 |
| Memoranda: | ||
| Average total assets | $45,876,000 | 6,236 |
| Average earning assets | $43,632,000 | 6,166 |
| Average equity | $5,282,330 | 6,103 |
| Average total loans | $42,385,330 | 5,323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,710 |
| Cost of funding earning assets | 0.5298% | 3,778 |
| Net interest margin | 4.1106% | 1,427 |
| Noninterest income to average assets | 0.2367% | 5,766 |
| Noninterest expense to average assets | 2.6208% | 4,334 |
| Loan and lease loss provision to assets | 0.1315% | 2,595 |
| Net operating income to assets | 0.8677% | 2,818 |
| Return on assets (ROA) | 0.8677% | 2,961 |
| Pretax return on assets | 1.4287% | 1,772 |
| Return on Equity (ROE) | 7.5688% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.5688% | 1,912 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6834% | 5,205 |
| Assets per employee ($millions) | 4.1124% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 4,041 |
| Loan loss allowance to noncurrent loans | 492.6829% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 5,749 |
| Noncurrent loans to loans | 0.2928% | 5,674 |
| Net loans and leases to total assets | 91.5399% | 20 |
| Net loans and leases to deposits | 105.1871% | 207 |
| Net loans and leases to core deposits | 130.0330% | 178 |
| Total domestic deposits to total assets | 87.0258% | 2,946 |
| Equity capital to assets | 11.6765% | 2,273 |
| Core capital (leverage) ratio | 11.3333% | 1,994 |
| Tier 1 risk-based capital ratio | 14.6194% | 4,093 |
| Total risk-based capital ratio | 15.7874% | 4,112 |
| Memoranda: | ||
| Average total assets | $45,635,500 | 6,302 |
| Average earning assets | $43,789,000 | 6,220 |
| Average equity | $5,232,000 | 6,181 |
| Average total loans | $42,403,000 | 5,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,845 |
| Cost of funding earning assets | 0.6068% | 4,273 |
| Net interest margin | 4.2917% | 1,421 |
| Noninterest income to average assets | 0.2084% | 5,923 |
| Noninterest expense to average assets | 2.5425% | 4,955 |
| Loan and lease loss provision to assets | 0.1441% | 3,803 |
| Net operating income to assets | 0.9864% | 2,399 |
| Return on assets (ROA) | 0.9864% | 2,622 |
| Pretax return on assets | 1.6292% | 1,308 |
| Return on Equity (ROE) | 8.9721% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.9721% | 831 |
| Net charge-offs to loans | 0.0072% | 5,853 |
| Credit loss provision to net charge-offs | 2,166.6667% | 109 |
| Earnings coverage of net charge-offs (x) | 266.6667% | 146 |
| Efficiency ratio | 58.9111% | 5,706 |
| Assets per employee ($millions) | 4.6035% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 4,260 |
| Loan loss allowance to noncurrent loans | 573.7864% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 6,001 |
| Noncurrent loans to loans | 0.2407% | 5,877 |
| Net loans and leases to total assets | 91.6694% | 25 |
| Net loans and leases to deposits | 108.4025% | 181 |
| Net loans and leases to core deposits | 132.8841% | 163 |
| Total domestic deposits to total assets | 84.5639% | 4,059 |
| Equity capital to assets | 11.2567% | 2,678 |
| Core capital (leverage) ratio | 10.9178% | 2,324 |
| Tier 1 risk-based capital ratio | 14.1321% | 4,292 |
| Total risk-based capital ratio | 15.3006% | 4,308 |
| Memoranda: | ||
| Average total assets | $45,112,800 | 6,345 |
| Average earning assets | $43,176,200 | 6,266 |
| Average equity | $4,959,800 | 6,301 |
| Average total loans | $41,731,000 | 5,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 1,947 |
| Cost of funding earning assets | 0.6243% | 4,416 |
| Net interest margin | 4.2923% | 1,491 |
| Noninterest income to average assets | 0.2198% | 5,976 |
| Noninterest expense to average assets | 2.5459% | 4,938 |
| Loan and lease loss provision to assets | 0.1337% | 3,874 |
| Net operating income to assets | 0.9952% | 2,535 |
| Return on assets (ROA) | 0.9952% | 2,757 |
| Pretax return on assets | 1.6458% | 1,429 |
| Return on Equity (ROE) | 9.1076% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.1076% | 1,182 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8599% | 5,683 |
| Assets per employee ($millions) | 4.5441% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,515 |
| Loan loss allowance to noncurrent loans | 277.2947% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 5,523 |
| Noncurrent loans to loans | 0.4927% | 5,459 |
| Net loans and leases to total assets | 91.1974% | 29 |
| Net loans and leases to deposits | 107.4770% | 203 |
| Net loans and leases to core deposits | 134.7500% | 161 |
| Total domestic deposits to total assets | 84.8529% | 3,812 |
| Equity capital to assets | 11.1639% | 3,079 |
| Core capital (leverage) ratio | 10.8202% | 2,575 |
| Tier 1 risk-based capital ratio | 15.0949% | 3,777 |
| Total risk-based capital ratio | 16.3492% | 3,729 |
| Memoranda: | ||
| Average total assets | $44,882,250 | 6,426 |
| Average earning assets | $42,928,750 | 6,345 |
| Average equity | $4,904,250 | 6,390 |
| Average total loans | $41,466,000 | 5,503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 1,888 |
| Cost of funding earning assets | 0.6422% | 4,511 |
| Net interest margin | 4.3218% | 1,422 |
| Noninterest income to average assets | 0.2372% | 5,869 |
| Noninterest expense to average assets | 2.5685% | 4,889 |
| Loan and lease loss provision to assets | 0.1342% | 3,850 |
| Net operating income to assets | 1.0113% | 2,416 |
| Return on assets (ROA) | 1.0113% | 2,635 |
| Pretax return on assets | 1.6601% | 1,369 |
| Return on Equity (ROE) | 9.3234% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.3234% | 1,168 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8718% | 5,747 |
| Assets per employee ($millions) | 4.4648% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,634 |
| Loan loss allowance to noncurrent loans | 1,863.3333% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 6,651 |
| Noncurrent loans to loans | 0.0728% | 6,482 |
| Net loans and leases to total assets | 91.0410% | 29 |
| Net loans and leases to deposits | 109.9040% | 149 |
| Net loans and leases to core deposits | 132.2230% | 201 |
| Total domestic deposits to total assets | 82.8369% | 4,814 |
| Equity capital to assets | 11.1181% | 2,994 |
| Core capital (leverage) ratio | 10.8125% | 2,466 |
| Tier 1 risk-based capital ratio | 15.0100% | 3,764 |
| Total risk-based capital ratio | 16.2642% | 3,715 |
| Memoranda: | ||
| Average total assets | $44,696,000 | 6,472 |
| Average earning assets | $42,667,000 | 6,391 |
| Average equity | $4,848,000 | 6,433 |
| Average total loans | $41,283,000 | 5,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 2,031 |
| Cost of funding earning assets | 0.6858% | 4,404 |
| Net interest margin | 4.2745% | 1,546 |
| Noninterest income to average assets | 0.2147% | 6,084 |
| Noninterest expense to average assets | 2.6118% | 4,778 |
| Loan and lease loss provision to assets | 0.1342% | 3,674 |
| Net operating income to assets | 0.9392% | 2,750 |
| Return on assets (ROA) | 0.9392% | 2,952 |
| Pretax return on assets | 1.5385% | 1,773 |
| Return on Equity (ROE) | 8.7683% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.7683% | 1,675 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9603% | 5,461 |
| Assets per employee ($millions) | 4.3775% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,867 |
| Loan loss allowance to noncurrent loans | 10,880.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,899 |
| Noncurrent loans to loans | 0.0123% | 6,757 |
| Net loans and leases to total assets | 91.9817% | 24 |
| Net loans and leases to deposits | 108.0244% | 164 |
| Net loans and leases to core deposits | 130.8580% | 193 |
| Total domestic deposits to total assets | 85.1491% | 3,962 |
| Equity capital to assets | 11.0634% | 2,830 |
| Core capital (leverage) ratio | 10.7512% | 2,492 |
| Tier 1 risk-based capital ratio | 14.5093% | 4,097 |
| Total risk-based capital ratio | 15.7654% | 4,052 |
| Memoranda: | ||
| Average total assets | $44,720,000 | 6,518 |
| Average earning assets | $42,578,000 | 6,436 |
| Average equity | $4,790,000 | 6,484 |
| Average total loans | $41,321,000 | 5,578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 1,715 |
| Cost of funding earning assets | 0.9543% | 3,697 |
| Net interest margin | 4.3416% | 1,570 |
| Noninterest income to average assets | 0.1852% | 6,171 |
| Noninterest expense to average assets | 2.7501% | 4,551 |
| Loan and lease loss provision to assets | 0.1641% | 4,580 |
| Net operating income to assets | 0.8206% | 2,953 |
| Return on assets (ROA) | 0.8206% | 3,117 |
| Pretax return on assets | 1.3457% | 1,964 |
| Return on Equity (ROE) | 7.6845% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.6845% | 1,195 |
| Net charge-offs to loans | 0.0725% | 5,592 |
| Credit loss provision to net charge-offs | 241.3793% | 1,001 |
| Earnings coverage of net charge-offs (x) | 22.2069% | 1,069 |
| Efficiency ratio | 64.5570% | 5,028 |
| Assets per employee ($millions) | 4.5665% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,055 |
| Loan loss allowance to noncurrent loans | 1,564.7059% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 6,765 |
| Noncurrent loans to loans | 0.0813% | 6,606 |
| Net loans and leases to total assets | 90.4434% | 35 |
| Net loans and leases to deposits | 109.5285% | 177 |
| Net loans and leases to core deposits | 133.4055% | 207 |
| Total domestic deposits to total assets | 82.5753% | 4,938 |
| Equity capital to assets | 10.3734% | 3,685 |
| Core capital (leverage) ratio | 10.3714% | 2,880 |
| Tier 1 risk-based capital ratio | 17.4850% | 2,390 |
| Total risk-based capital ratio | 18.7182% | 2,357 |
| Memoranda: | ||
| Average total assets | $42,653,000 | 6,581 |
| Average earning assets | $40,031,200 | 6,528 |
| Average equity | $4,554,600 | 6,575 |
| Average total loans | $39,974,200 | 5,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 1,575 |
| Cost of funding earning assets | 1.0155% | 3,568 |
| Net interest margin | 4.3642% | 1,513 |
| Noninterest income to average assets | 0.1973% | 6,184 |
| Noninterest expense to average assets | 2.8257% | 4,250 |
| Loan and lease loss provision to assets | 0.1591% | 4,477 |
| Net operating income to assets | 0.7955% | 3,187 |
| Return on assets (ROA) | 0.7955% | 3,351 |
| Pretax return on assets | 1.3015% | 2,282 |
| Return on Equity (ROE) | 7.3925% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.3925% | 1,778 |
| Net charge-offs to loans | 0.0878% | 5,097 |
| Credit loss provision to net charge-offs | 192.3077% | 1,518 |
| Earnings coverage of net charge-offs (x) | 17.6516% | 1,340 |
| Efficiency ratio | 65.9243% | 4,737 |
| Assets per employee ($millions) | 4.2603% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 5,148 |
| Loan loss allowance to noncurrent loans | 245.2381% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 5,856 |
| Noncurrent loans to loans | 0.5180% | 5,812 |
| Net loans and leases to total assets | 93.9511% | 8 |
| Net loans and leases to deposits | 108.7959% | 197 |
| Net loans and leases to core deposits | 133.5536% | 212 |
| Total domestic deposits to total assets | 86.3554% | 3,010 |
| Equity capital to assets | 10.8842% | 3,257 |
| Core capital (leverage) ratio | 10.8821% | 2,490 |
| Tier 1 risk-based capital ratio | 18.6649% | 2,043 |
| Total risk-based capital ratio | 19.9251% | 1,992 |
| Memoranda: | ||
| Average total assets | $41,900,000 | 6,664 |
| Average earning assets | $39,258,000 | 6,617 |
| Average equity | $4,509,000 | 6,633 |
| Average total loans | $39,509,500 | 5,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 1,517 |
| Cost of funding earning assets | 1.0881% | 3,329 |
| Net interest margin | 4.3267% | 1,577 |
| Noninterest income to average assets | 0.1728% | 6,426 |
| Noninterest expense to average assets | 2.7841% | 4,489 |
| Loan and lease loss provision to assets | 0.1680% | 4,256 |
| Net operating income to assets | 0.7824% | 3,144 |
| Return on assets (ROA) | 0.7824% | 3,272 |
| Pretax return on assets | 1.2672% | 2,250 |
| Return on Equity (ROE) | 7.2991% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.2991% | 1,741 |
| Net charge-offs to loans | 0.1328% | 4,414 |
| Credit loss provision to net charge-offs | 134.6154% | 2,271 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,711 |
| Efficiency ratio | 65.9841% | 4,875 |
| Assets per employee ($millions) | 4.2757% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 91.6201% | 27 |
| Net loans and leases to deposits | 104.2971% | 307 |
| Net loans and leases to core deposits | 130.8548% | 265 |
| Total domestic deposits to total assets | 87.8453% | 2,246 |
| Equity capital to assets | 10.6415% | 3,342 |
| Core capital (leverage) ratio | 10.6394% | 2,576 |
| Tier 1 risk-based capital ratio | 18.5878% | 1,972 |
| Total risk-based capital ratio | 19.8464% | 1,933 |
| Memoranda: | ||
| Average total assets | $41,665,670 | 6,727 |
| Average earning assets | $38,967,670 | 6,687 |
| Average equity | $4,466,330 | 6,691 |
| Average total loans | $39,165,670 | 5,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 1,365 |
| Cost of funding earning assets | 1.1262% | 3,318 |
| Net interest margin | 4.3500% | 1,424 |
| Noninterest income to average assets | 0.1362% | 6,731 |
| Noninterest expense to average assets | 2.8016% | 4,431 |
| Loan and lease loss provision to assets | 0.2432% | 3,238 |
| Net operating income to assets | 0.7296% | 3,382 |
| Return on assets (ROA) | 0.7296% | 3,445 |
| Pretax return on assets | 1.1868% | 2,429 |
| Return on Equity (ROE) | 6.7804% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.7804% | 2,244 |
| Net charge-offs to loans | 0.2570% | 3,044 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,192 |
| Efficiency ratio | 66.2069% | 5,000 |
| Assets per employee ($millions) | 4.1598% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 6,712 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 92.9131% | 14 |
| Net loans and leases to deposits | 105.8817% | 253 |
| Net loans and leases to core deposits | 139.0688% | 195 |
| Total domestic deposits to total assets | 87.7518% | 2,520 |
| Equity capital to assets | 10.7265% | 2,958 |
| Core capital (leverage) ratio | 10.7243% | 2,420 |
| Tier 1 risk-based capital ratio | 18.6224% | 1,917 |
| Total risk-based capital ratio | 19.8789% | 1,869 |
| Memoranda: | ||
| Average total assets | $41,120,000 | 6,795 |
| Average earning assets | $38,713,000 | 6,731 |
| Average equity | $4,424,500 | 6,733 |
| Average total loans | $38,911,500 | 5,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 1,376 |
| Cost of funding earning assets | 1.3693% | 3,457 |
| Net interest margin | 4.3918% | 1,503 |
| Noninterest income to average assets | 0.2349% | 6,122 |
| Noninterest expense to average assets | 2.8954% | 4,244 |
| Loan and lease loss provision to assets | 0.4724% | 3,303 |
| Net operating income to assets | 0.6843% | 3,284 |
| Return on assets (ROA) | 0.6843% | 3,414 |
| Pretax return on assets | 1.0519% | 2,768 |
| Return on Equity (ROE) | 6.3160% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.3160% | 1,656 |
| Net charge-offs to loans | 0.1997% | 5,095 |
| Credit loss provision to net charge-offs | 246.6667% | 1,160 |
| Earnings coverage of net charge-offs (x) | 7.9600% | 2,035 |
| Efficiency ratio | 65.5113% | 5,065 |
| Assets per employee ($millions) | 4.0642% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,163 |
| Loan loss allowance to noncurrent loans | 539.5604% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 6,672 |
| Noncurrent loans to loans | 0.2353% | 6,589 |
| Net loans and leases to total assets | 93.9668% | 13 |
| Net loans and leases to deposits | 107.4231% | 281 |
| Net loans and leases to core deposits | 133.7279% | 289 |
| Total domestic deposits to total assets | 87.4735% | 2,568 |
| Equity capital to assets | 10.7943% | 2,862 |
| Core capital (leverage) ratio | 10.7921% | 2,312 |
| Tier 1 risk-based capital ratio | 18.6845% | 1,791 |
| Total risk-based capital ratio | 19.9412% | 1,761 |
| Memoranda: | ||
| Average total assets | $39,165,800 | 6,896 |
| Average earning assets | $37,319,600 | 6,828 |
| Average equity | $4,243,200 | 6,903 |
| Average total loans | $37,564,000 | 6,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8037% | 1,388 |
| Cost of funding earning assets | 1.4428% | 3,311 |
| Net interest margin | 4.3609% | 1,639 |
| Noninterest income to average assets | 0.2199% | 6,338 |
| Noninterest expense to average assets | 2.8765% | 4,175 |
| Loan and lease loss provision to assets | 0.6083% | 2,501 |
| Net operating income to assets | 0.6048% | 3,860 |
| Return on assets (ROA) | 0.6048% | 4,019 |
| Pretax return on assets | 0.9004% | 3,555 |
| Return on Equity (ROE) | 5.5775% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.5775% | 2,604 |
| Net charge-offs to loans | 0.2682% | 4,340 |
| Credit loss provision to net charge-offs | 236.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 5.8532% | 2,662 |
| Efficiency ratio | 65.5956% | 4,948 |
| Assets per employee ($millions) | 3.8355% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,973 |
| Loan loss allowance to noncurrent loans | 451.4019% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 5,751 |
| Noncurrent loans to loans | 0.2877% | 6,615 |
| Net loans and leases to total assets | 95.6929% | 5 |
| Net loans and leases to deposits | 115.3783% | 167 |
| Net loans and leases to core deposits | 143.5112% | 228 |
| Total domestic deposits to total assets | 82.9383% | 4,618 |
| Equity capital to assets | 11.1980% | 2,775 |
| Core capital (leverage) ratio | 11.1957% | 2,134 |
| Tier 1 risk-based capital ratio | 19.1040% | 1,730 |
| Total risk-based capital ratio | 20.3630% | 1,691 |
| Memoranda: | ||
| Average total assets | $38,796,750 | 6,990 |
| Average earning assets | $37,055,750 | 6,916 |
| Average equity | $4,207,250 | 7,004 |
| Average total loans | $37,284,750 | 6,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7968% | 1,437 |
| Cost of funding earning assets | 1.4855% | 3,335 |
| Net interest margin | 4.3113% | 1,730 |
| Noninterest income to average assets | 0.1952% | 6,502 |
| Noninterest expense to average assets | 2.8143% | 4,426 |
| Loan and lease loss provision to assets | 0.2825% | 4,141 |
| Net operating income to assets | 0.6419% | 3,664 |
| Return on assets (ROA) | 0.6419% | 3,815 |
| Pretax return on assets | 1.2120% | 2,373 |
| Return on Equity (ROE) | 5.9837% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,336 |
| Net charge-offs to loans | 0.1608% | 4,659 |
| Credit loss provision to net charge-offs | 183.3333% | 2,149 |
| Earnings coverage of net charge-offs (x) | 9.7000% | 1,984 |
| Efficiency ratio | 65.3159% | 5,099 |
| Assets per employee ($millions) | 3.9331% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,130 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 5,280 |
| Noncurrent loans to loans | 0.4548% | 6,342 |
| Net loans and leases to total assets | 96.2396% | 5 |
| Net loans and leases to deposits | 115.3286% | 189 |
| Net loans and leases to core deposits | 142.3382% | 259 |
| Total domestic deposits to total assets | 83.4482% | 4,366 |
| Equity capital to assets | 10.7905% | 3,080 |
| Core capital (leverage) ratio | 10.7882% | 2,407 |
| Tier 1 risk-based capital ratio | 18.2597% | 1,881 |
| Total risk-based capital ratio | 19.5120% | 1,856 |
| Memoranda: | ||
| Average total assets | $38,944,000 | 7,031 |
| Average earning assets | $37,158,330 | 6,964 |
| Average equity | $4,178,000 | 7,048 |
| Average total loans | $37,317,670 | 6,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7964% | 1,472 |
| Cost of funding earning assets | 1.5551% | 3,233 |
| Net interest margin | 4.2413% | 1,886 |
| Noninterest income to average assets | 0.1858% | 6,628 |
| Noninterest expense to average assets | 2.8387% | 4,325 |
| Loan and lease loss provision to assets | 0.3097% | 3,561 |
| Net operating income to assets | 0.5368% | 4,201 |
| Return on assets (ROA) | 0.5368% | 4,339 |
| Pretax return on assets | 1.0632% | 2,871 |
| Return on Equity (ROE) | 5.0181% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.0181% | 3,148 |
| Net charge-offs to loans | 0.1086% | 4,340 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 13.3000% | 1,508 |
| Efficiency ratio | 67.4020% | 4,832 |
| Assets per employee ($millions) | 3.9496% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 6,159 |
| Loan loss allowance to noncurrent loans | 202.5253% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 5,099 |
| Noncurrent loans to loans | 0.5265% | 6,236 |
| Net loans and leases to total assets | 94.2095% | 15 |
| Net loans and leases to deposits | 112.6180% | 239 |
| Net loans and leases to core deposits | 139.4902% | 333 |
| Total domestic deposits to total assets | 83.6540% | 4,323 |
| Equity capital to assets | 10.5606% | 3,187 |
| Core capital (leverage) ratio | 10.5583% | 2,568 |
| Tier 1 risk-based capital ratio | 18.0309% | 1,939 |
| Total risk-based capital ratio | 19.2848% | 1,909 |
| Memoranda: | ||
| Average total assets | $38,750,500 | 7,129 |
| Average earning assets | $36,781,500 | 7,062 |
| Average equity | $4,145,000 | 7,127 |
| Average total loans | $36,847,500 | 6,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 1,947 |
| Cost of funding earning assets | 1.8619% | 3,665 |
| Net interest margin | 4.1169% | 2,377 |
| Noninterest income to average assets | 0.2427% | 6,359 |
| Noninterest expense to average assets | 2.8104% | 4,936 |
| Loan and lease loss provision to assets | 0.2675% | 5,272 |
| Net operating income to assets | 0.4854% | 3,793 |
| Return on assets (ROA) | 0.4854% | 3,887 |
| Pretax return on assets | 1.1225% | 2,181 |
| Return on Equity (ROE) | 4.4146% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.4146% | 2,157 |
| Net charge-offs to loans | 0.0232% | 6,914 |
| Credit loss provision to net charge-offs | 1,212.5000% | 251 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 431 |
| Efficiency ratio | 66.9074% | 5,207 |
| Assets per employee ($millions) | 3.8005% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,103 |
| Loan loss allowance to noncurrent loans | 95.2500% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 4,994 |
| Noncurrent loans to loans | 1.1085% | 5,110 |
| Net loans and leases to total assets | 93.9455% | 14 |
| Net loans and leases to deposits | 109.6729% | 396 |
| Net loans and leases to core deposits | 152.4639% | 454 |
| Total domestic deposits to total assets | 85.6598% | 3,193 |
| Equity capital to assets | 10.8380% | 2,834 |
| Core capital (leverage) ratio | 10.8357% | 2,323 |
| Tier 1 risk-based capital ratio | 18.4664% | 1,761 |
| Total risk-based capital ratio | 19.7220% | 1,722 |
| Memoranda: | ||
| Average total assets | $36,257,600 | 7,233 |
| Average earning assets | $34,856,200 | 7,142 |
| Average equity | $3,986,800 | 7,302 |
| Average total loans | $34,506,200 | 6,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 2,104 |
| Cost of funding earning assets | 1.9124% | 3,812 |
| Net interest margin | 4.0715% | 2,506 |
| Noninterest income to average assets | 0.2643% | 6,338 |
| Noninterest expense to average assets | 2.9256% | 4,336 |
| Loan and lease loss provision to assets | 0.2978% | 4,581 |
| Net operating income to assets | 0.5025% | 3,974 |
| Return on assets (ROA) | 0.5025% | 4,064 |
| Pretax return on assets | 0.9715% | 2,987 |
| Return on Equity (ROE) | 4.5526% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.5526% | 2,733 |
| Net charge-offs to loans | 0.0235% | 6,560 |
| Credit loss provision to net charge-offs | 1,333.3333% | 294 |
| Earnings coverage of net charge-offs (x) | 56.8325% | 574 |
| Efficiency ratio | 69.7427% | 4,641 |
| Assets per employee ($millions) | 4.1129% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 6,086 |
| Loan loss allowance to noncurrent loans | 112.2699% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 5,319 |
| Noncurrent loans to loans | 0.9213% | 5,446 |
| Net loans and leases to total assets | 94.6050% | 17 |
| Net loans and leases to deposits | 116.5164% | 261 |
| Net loans and leases to core deposits | 160.2480% | 374 |
| Total domestic deposits to total assets | 81.1946% | 4,999 |
| Equity capital to assets | 10.8467% | 3,172 |
| Core capital (leverage) ratio | 10.8443% | 2,530 |
| Tier 1 risk-based capital ratio | 18.6611% | 1,828 |
| Total risk-based capital ratio | 19.9163% | 1,785 |
| Memoranda: | ||
| Average total assets | $35,820,750 | 7,314 |
| Average earning assets | $34,581,250 | 7,225 |
| Average equity | $3,953,750 | 7,380 |
| Average total loans | $34,111,500 | 6,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0473% | 1,995 |
| Cost of funding earning assets | 1.9903% | 3,822 |
| Net interest margin | 4.0570% | 2,479 |
| Noninterest income to average assets | 0.2823% | 6,244 |
| Noninterest expense to average assets | 2.9191% | 4,433 |
| Loan and lease loss provision to assets | 0.2484% | 4,588 |
| Net operating income to assets | 0.5533% | 3,865 |
| Return on assets (ROA) | 0.5533% | 3,984 |
| Pretax return on assets | 1.0163% | 2,945 |
| Return on Equity (ROE) | 4.9831% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.9831% | 2,517 |
| Net charge-offs to loans | 0.0356% | 5,966 |
| Credit loss provision to net charge-offs | 733.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 853 |
| Efficiency ratio | 69.7706% | 4,832 |
| Assets per employee ($millions) | 4.5035% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,414 |
| Loan loss allowance to noncurrent loans | 123.5955% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 5,557 |
| Noncurrent loans to loans | 0.7896% | 5,654 |
| Net loans and leases to total assets | 92.9360% | 40 |
| Net loans and leases to deposits | 114.8842% | 365 |
| Net loans and leases to core deposits | 153.5284% | 573 |
| Total domestic deposits to total assets | 80.8954% | 5,114 |
| Equity capital to assets | 11.0414% | 2,877 |
| Core capital (leverage) ratio | 11.0389% | 2,371 |
| Tier 1 risk-based capital ratio | 16.4027% | 2,480 |
| Total risk-based capital ratio | 17.6524% | 2,430 |
| Memoranda: | ||
| Average total assets | $35,422,330 | 7,392 |
| Average earning assets | $34,064,670 | 7,314 |
| Average equity | $3,933,330 | 7,442 |
| Average total loans | $33,687,000 | 6,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1437% | 1,786 |
| Cost of funding earning assets | 2.0479% | 3,891 |
| Net interest margin | 4.0958% | 2,291 |
| Noninterest income to average assets | 0.2506% | 6,449 |
| Noninterest expense to average assets | 2.7791% | 4,655 |
| Loan and lease loss provision to assets | 0.1708% | 4,757 |
| Net operating income to assets | 0.7062% | 3,523 |
| Return on assets (ROA) | 0.7062% | 3,719 |
| Pretax return on assets | 1.2415% | 2,481 |
| Return on Equity (ROE) | 6.3411% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.3411% | 2,475 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3043% | 5,268 |
| Assets per employee ($millions) | 4.3959% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 6,674 |
| Loan loss allowance to noncurrent loans | 69.3002% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.2597% | 4,155 |
| Noncurrent loans to loans | 1.3208% | 4,336 |
| Net loans and leases to total assets | 94.5005% | 22 |
| Net loans and leases to deposits | 117.2819% | 351 |
| Net loans and leases to core deposits | 165.5277% | 417 |
| Total domestic deposits to total assets | 80.5755% | 5,144 |
| Equity capital to assets | 11.2094% | 2,802 |
| Core capital (leverage) ratio | 11.2068% | 2,333 |
| Tier 1 risk-based capital ratio | 20.3638% | 1,554 |
| Total risk-based capital ratio | 21.6194% | 1,517 |
| Memoranda: | ||
| Average total assets | $35,119,500 | 7,441 |
| Average earning assets | $33,790,500 | 7,366 |
| Average equity | $3,911,000 | 7,487 |
| Average total loans | $33,624,000 | 6,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4576% | 3,164 |
| Cost of funding earning assets | 2.7263% | 3,034 |
| Net interest margin | 3.7314% | 4,317 |
| Noninterest income to average assets | 0.2094% | 6,942 |
| Noninterest expense to average assets | 2.8267% | 4,708 |
| Loan and lease loss provision to assets | 0.2062% | 4,829 |
| Net operating income to assets | 0.6472% | 4,119 |
| Return on assets (ROA) | 0.6472% | 3,967 |
| Pretax return on assets | 0.6980% | 4,405 |
| Return on Equity (ROE) | 5.4020% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.4020% | 1,809 |
| Net charge-offs to loans | 0.0983% | 5,340 |
| Credit loss provision to net charge-offs | 224.1379% | 2,122 |
| Earnings coverage of net charge-offs (x) | 9.8276% | 2,628 |
| Efficiency ratio | 75.7653% | 3,275 |
| Assets per employee ($millions) | 4.3840% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,824 |
| Loan loss allowance to noncurrent loans | 82.9545% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 4,319 |
| Noncurrent loans to loans | 1.0443% | 4,491 |
| Net loans and leases to total assets | 95.2783% | 16 |
| Net loans and leases to deposits | 122.1256% | 346 |
| Net loans and leases to core deposits | 169.4867% | 410 |
| Total domestic deposits to total assets | 78.0167% | 5,708 |
| Equity capital to assets | 11.0630% | 2,986 |
| Core capital (leverage) ratio | 11.0604% | 2,543 |
| Tier 1 risk-based capital ratio | 19.2956% | 1,750 |
| Total risk-based capital ratio | 20.5492% | 1,704 |
| Memoranda: | ||
| Average total assets | $31,520,400 | 7,585 |
| Average earning assets | $29,747,800 | 7,527 |
| Average equity | $3,776,400 | 7,585 |
| Average total loans | $29,513,800 | 6,739 |