| 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 | 4.4298% | 1,759 |
| Cost of funding earning assets | 0.5644% | 1,582 |
| Net interest margin | 3.8654% | 2,098 |
| Noninterest income to average assets | 0.5279% | 3,058 |
| Noninterest expense to average assets | 3.7490% | 792 |
| Loan and lease loss provision to assets | 0.0055% | 4,119 |
| Net operating income to assets | 0.3679% | 5,120 |
| Return on assets (ROA) | 0.3736% | 5,190 |
| Pretax return on assets | 0.4331% | 5,256 |
| Return on Equity (ROE) | 3.4207% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.6538% | 4,326 |
| Net charge-offs to loans | 0.0638% | 2,441 |
| Credit loss provision to net charge-offs | 13.1579% | 3,345 |
| Earnings coverage of net charge-offs (x) | 10.3148% | 2,582 |
| Efficiency ratio | 85.0026% | 902 |
| Assets per employee ($millions) | 3.4227% | 4,880 |
| Cash dividends to net income (ytd only)* | 22.4186% | 3,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1078% | 3,785 |
| Loan loss allowance to noncurrent loans | 1,210.6667% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 5,120 |
| Noncurrent loans to loans | 0.0915% | 4,982 |
| Net loans and leases to total assets | 65.7812% | 3,160 |
| Net loans and leases to deposits | 82.0441% | 2,726 |
| Net loans and leases to core deposits | 83.8502% | 3,137 |
| Total domestic deposits to total assets | 80.1779% | 4,476 |
| Equity capital to assets | 10.9288% | 3,087 |
| Core capital (leverage) ratio | 10.5538% | 2,933 |
| Tier 1 risk-based capital ratio | 13.9579% | 3,580 |
| Total risk-based capital ratio | 14.9348% | 3,669 |
| Memoranda: |
| Average total assets | $120,990,000 | 3,994 |
| Average earning assets | $114,344,500 | 3,944 |
| Average equity | $13,213,500 | 4,095 |
| Average total loans | $79,407,000 | 3,840 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1763% | 2,580 |
| Cost of funding earning assets | 0.5574% | 1,641 |
| Net interest margin | 3.6189% | 3,027 |
| Noninterest income to average assets | 0.5156% | 3,091 |
| Noninterest expense to average assets | 3.6990% | 885 |
| Loan and lease loss provision to assets | 0.0083% | 3,912 |
| Net operating income to assets | 0.2312% | 5,467 |
| Return on assets (ROA) | 0.2412% | 5,511 |
| Pretax return on assets | 0.2412% | 5,570 |
| Return on Equity (ROE) | 2.2088% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.0511% | 4,969 |
| Net charge-offs to loans | 0.0102% | 3,354 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,235 |
| Efficiency ratio | 88.9358% | 661 |
| Assets per employee ($millions) | 3.5260% | 4,709 |
| Cash dividends to net income (ytd only)* | 52.4138% | 1,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1432% | 3,697 |
| Loan loss allowance to noncurrent loans | 298.1013% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 4,470 |
| Noncurrent loans to loans | 0.3835% | 3,986 |
| Net loans and leases to total assets | 66.0090% | 3,083 |
| Net loans and leases to deposits | 82.2980% | 2,671 |
| Net loans and leases to core deposits | 84.3203% | 3,055 |
| Total domestic deposits to total assets | 80.2073% | 4,496 |
| Equity capital to assets | 10.7820% | 3,309 |
| Core capital (leverage) ratio | 10.4937% | 2,981 |
| Tier 1 risk-based capital ratio | 14.1912% | 3,502 |
| Total risk-based capital ratio | 15.2391% | 3,530 |
| Memoranda: |
| Average total assets | $120,248,000 | 4,037 |
| Average earning assets | $113,737,670 | 3,984 |
| Average equity | $13,129,330 | 4,137 |
| Average total loans | $78,555,670 | 3,881 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1246% | 2,752 |
| Cost of funding earning assets | 0.5516% | 1,694 |
| Net interest margin | 3.5730% | 3,194 |
| Noninterest income to average assets | 0.4989% | 3,121 |
| Noninterest expense to average assets | 3.6809% | 917 |
| Loan and lease loss provision to assets | 0.0169% | 3,469 |
| Net operating income to assets | 0.1854% | 5,556 |
| Return on assets (ROA) | 0.1854% | 5,612 |
| Pretax return on assets | 0.1854% | 5,655 |
| Return on Equity (ROE) | 1.6870% | 5,580 |
| Retained earnings to average equity (ytd only) | 0.0920% | 5,084 |
| Net charge-offs to loans | -0.0418% | 5,239 |
| Credit loss provision to net charge-offs | -62.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6701% | 695 |
| Assets per employee ($millions) | 3.3112% | 5,108 |
| Cash dividends to net income (ytd only)* | 94.5455% | 774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2080% | 3,432 |
| Loan loss allowance to noncurrent loans | 344.4043% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 4,448 |
| Noncurrent loans to loans | 0.3507% | 4,175 |
| Net loans and leases to total assets | 65.4528% | 3,036 |
| Net loans and leases to deposits | 81.0726% | 2,665 |
| Net loans and leases to core deposits | 83.1160% | 3,027 |
| Total domestic deposits to total assets | 80.7335% | 4,573 |
| Equity capital to assets | 10.9705% | 2,974 |
| Core capital (leverage) ratio | 10.5845% | 2,867 |
| Tier 1 risk-based capital ratio | 14.8809% | 3,208 |
| Total risk-based capital ratio | 16.0017% | 3,205 |
| Memoranda: |
| Average total assets | $118,667,500 | 4,103 |
| Average earning assets | $112,400,000 | 4,035 |
| Average equity | $13,041,000 | 4,157 |
| Average total loans | $76,632,000 | 3,950 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1472% | 2,747 |
| Cost of funding earning assets | 0.5209% | 1,988 |
| Net interest margin | 3.6263% | 3,031 |
| Noninterest income to average assets | 0.5726% | 2,884 |
| Noninterest expense to average assets | 3.4939% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4657% | 4,827 |
| Return on assets (ROA) | 0.4840% | 4,838 |
| Pretax return on assets | 0.5468% | 4,998 |
| Return on Equity (ROE) | 4.3864% | 4,789 |
| Retained earnings to average equity (ytd only) | 2.2517% | 4,438 |
| Net charge-offs to loans | 0.4330% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.9185% | 4,008 |
| Efficiency ratio | 81.8648% | 1,427 |
| Assets per employee ($millions) | 3.3752% | 5,031 |
| Cash dividends to net income (ytd only)* | 48.6679% | 2,382 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2667% | 3,077 |
| Loan loss allowance to noncurrent loans | 98.3281% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 2,526 |
| Noncurrent loans to loans | 1.2882% | 1,826 |
| Net loans and leases to total assets | 62.0893% | 3,551 |
| Net loans and leases to deposits | 77.3648% | 3,119 |
| Net loans and leases to core deposits | 79.3372% | 3,410 |
| Total domestic deposits to total assets | 80.2553% | 4,684 |
| Equity capital to assets | 11.0088% | 2,816 |
| Core capital (leverage) ratio | 10.9423% | 2,457 |
| Tier 1 risk-based capital ratio | 15.8467% | 2,764 |
| Total risk-based capital ratio | 17.0265% | 2,733 |
| Memoranda: |
| Average total assets | $116,316,200 | 4,123 |
| Average earning assets | $110,579,800 | 4,058 |
| Average equity | $12,835,000 | 4,166 |
| Average total loans | $73,666,800 | 4,006 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1656% | 2,694 |
| Cost of funding earning assets | 0.5216% | 2,028 |
| Net interest margin | 3.6440% | 2,982 |
| Noninterest income to average assets | 0.5811% | 2,844 |
| Noninterest expense to average assets | 3.4742% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4957% | 4,804 |
| Return on assets (ROA) | 0.5167% | 4,820 |
| Pretax return on assets | 0.5961% | 4,983 |
| Return on Equity (ROE) | 4.6797% | 4,763 |
| Retained earnings to average equity (ytd only) | 2.5223% | 4,616 |
| Net charge-offs to loans | 0.3972% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.2694% | 3,692 |
| Efficiency ratio | 80.8305% | 1,541 |
| Assets per employee ($millions) | 3.3224% | 5,089 |
| Cash dividends to net income (ytd only)* | 46.1021% | 2,040 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4238% | 2,483 |
| Loan loss allowance to noncurrent loans | 97.2897% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,337 |
| Noncurrent loans to loans | 1.4635% | 1,712 |
| Net loans and leases to total assets | 63.8005% | 3,337 |
| Net loans and leases to deposits | 77.1878% | 3,175 |
| Net loans and leases to core deposits | 78.9845% | 3,511 |
| Total domestic deposits to total assets | 82.6563% | 3,936 |
| Equity capital to assets | 11.3816% | 2,604 |
| Core capital (leverage) ratio | 10.9837% | 2,505 |
| Tier 1 risk-based capital ratio | 17.1074% | 2,332 |
| Total risk-based capital ratio | 18.3596% | 2,284 |
| Memoranda: |
| Average total assets | $115,862,000 | 4,182 |
| Average earning assets | $110,168,750 | 4,111 |
| Average equity | $12,792,500 | 4,221 |
| Average total loans | $73,511,250 | 4,045 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1919% | 2,562 |
| Cost of funding earning assets | 0.5294% | 1,986 |
| Net interest margin | 3.6625% | 2,867 |
| Noninterest income to average assets | 0.5649% | 2,943 |
| Noninterest expense to average assets | 3.4615% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5045% | 4,747 |
| Return on assets (ROA) | 0.5119% | 4,830 |
| Pretax return on assets | 0.5940% | 4,989 |
| Return on Equity (ROE) | 4.6825% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.4274% | 4,507 |
| Net charge-offs to loans | 0.2661% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4898% | 3,186 |
| Efficiency ratio | 80.5415% | 1,687 |
| Assets per employee ($millions) | 3.3559% | 5,062 |
| Cash dividends to net income (ytd only)* | 48.1605% | 2,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6237% | 1,834 |
| Loan loss allowance to noncurrent loans | 99.3162% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 2,459 |
| Noncurrent loans to loans | 1.6349% | 1,600 |
| Net loans and leases to total assets | 59.9396% | 3,847 |
| Net loans and leases to deposits | 72.7181% | 3,649 |
| Net loans and leases to core deposits | 74.3453% | 3,931 |
| Total domestic deposits to total assets | 82.4273% | 4,146 |
| Equity capital to assets | 10.8084% | 3,097 |
| Core capital (leverage) ratio | 10.5862% | 2,859 |
| Tier 1 risk-based capital ratio | 16.3721% | 2,670 |
| Total risk-based capital ratio | 17.6257% | 2,625 |
| Memoranda: |
| Average total assets | $116,828,330 | 4,207 |
| Average earning assets | $111,070,670 | 4,133 |
| Average equity | $12,771,000 | 4,244 |
| Average total loans | $73,644,330 | 4,067 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3151% | 2,049 |
| Cost of funding earning assets | 0.5308% | 2,011 |
| Net interest margin | 3.7843% | 2,281 |
| Noninterest income to average assets | 0.5390% | 3,029 |
| Noninterest expense to average assets | 3.4845% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5424% | 4,504 |
| Return on assets (ROA) | 0.5424% | 4,617 |
| Pretax return on assets | 0.6523% | 4,752 |
| Return on Equity (ROE) | 4.9340% | 4,564 |
| Retained earnings to average equity (ytd only) | 2.6856% | 4,334 |
| Net charge-offs to loans | 0.1125% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0476% | 2,038 |
| Efficiency ratio | 79.3361% | 1,981 |
| Assets per employee ($millions) | 3.2688% | 5,295 |
| Cash dividends to net income (ytd only)* | 45.5696% | 1,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6684% | 1,820 |
| Loan loss allowance to noncurrent loans | 96.1957% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 2,347 |
| Noncurrent loans to loans | 1.7344% | 1,575 |
| Net loans and leases to total assets | 62.0560% | 3,358 |
| Net loans and leases to deposits | 74.5564% | 3,227 |
| Net loans and leases to core deposits | 76.2003% | 3,576 |
| Total domestic deposits to total assets | 83.2336% | 4,108 |
| Equity capital to assets | 10.9445% | 3,035 |
| Core capital (leverage) ratio | 10.5845% | 2,868 |
| Tier 1 risk-based capital ratio | 17.3215% | 2,374 |
| Total risk-based capital ratio | 18.5766% | 2,326 |
| Memoranda: |
| Average total assets | $116,515,000 | 4,248 |
| Average earning assets | $110,774,000 | 4,163 |
| Average equity | $12,809,000 | 4,270 |
| Average total loans | $74,684,500 | 4,057 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3514% | 2,402 |
| Cost of funding earning assets | 0.5663% | 2,080 |
| Net interest margin | 3.7851% | 2,677 |
| Noninterest income to average assets | 0.6349% | 2,645 |
| Noninterest expense to average assets | 3.6036% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5224% | 4,717 |
| Return on assets (ROA) | 0.5231% | 4,803 |
| Pretax return on assets | 0.6288% | 4,847 |
| Return on Equity (ROE) | 4.8122% | 4,761 |
| Retained earnings to average equity (ytd only) | 1.2071% | 5,240 |
| Net charge-offs to loans | 0.0994% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.7671% | 2,702 |
| Efficiency ratio | 80.2497% | 1,891 |
| Assets per employee ($millions) | 3.1177% | 5,537 |
| Cash dividends to net income (ytd only)* | 74.9158% | 1,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6777% | 1,830 |
| Loan loss allowance to noncurrent loans | 94.1001% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 2,387 |
| Noncurrent loans to loans | 1.7828% | 1,614 |
| Net loans and leases to total assets | 64.0160% | 3,225 |
| Net loans and leases to deposits | 77.0214% | 3,084 |
| Net loans and leases to core deposits | 78.5518% | 3,460 |
| Total domestic deposits to total assets | 83.1146% | 4,037 |
| Equity capital to assets | 11.0434% | 2,855 |
| Core capital (leverage) ratio | 10.3630% | 3,098 |
| Tier 1 risk-based capital ratio | 16.7613% | 2,620 |
| Total risk-based capital ratio | 18.0173% | 2,567 |
| Memoranda: |
| Average total assets | $113,554,200 | 4,312 |
| Average earning assets | $107,896,200 | 4,228 |
| Average equity | $12,343,600 | 4,292 |
| Average total loans | $73,424,200 | 4,079 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3414% | 2,452 |
| Cost of funding earning assets | 0.5695% | 2,110 |
| Net interest margin | 3.7719% | 2,727 |
| Noninterest income to average assets | 0.6448% | 2,604 |
| Noninterest expense to average assets | 3.6343% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5094% | 4,840 |
| Return on assets (ROA) | 0.5104% | 4,902 |
| Pretax return on assets | 0.5953% | 5,046 |
| Return on Equity (ROE) | 4.7148% | 4,850 |
| Retained earnings to average equity (ytd only) | 0.6315% | 5,615 |
| Net charge-offs to loans | 0.0329% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.9992% | 1,434 |
| Efficiency ratio | 81.0148% | 1,759 |
| Assets per employee ($millions) | 3.0909% | 5,610 |
| Cash dividends to net income (ytd only)* | 86.6053% | 592 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7746% | 1,750 |
| Loan loss allowance to noncurrent loans | 89.1525% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 2,324 |
| Noncurrent loans to loans | 1.9905% | 1,593 |
| Net loans and leases to total assets | 63.6456% | 3,236 |
| Net loans and leases to deposits | 75.0111% | 3,312 |
| Net loans and leases to core deposits | 76.7156% | 3,666 |
| Total domestic deposits to total assets | 84.8482% | 3,400 |
| Equity capital to assets | 10.9633% | 2,991 |
| Core capital (leverage) ratio | 10.3268% | 3,253 |
| Tier 1 risk-based capital ratio | 16.8702% | 2,662 |
| Total risk-based capital ratio | 18.0758% | 2,624 |
| Memoranda: |
| Average total assets | $113,104,250 | 4,354 |
| Average earning assets | $107,459,750 | 4,279 |
| Average equity | $12,244,750 | 4,335 |
| Average total loans | $73,004,000 | 4,118 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3687% | 2,301 |
| Cost of funding earning assets | 0.5646% | 2,214 |
| Net interest margin | 3.8042% | 2,559 |
| Noninterest income to average assets | 0.6390% | 2,608 |
| Noninterest expense to average assets | 3.6775% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4916% | 4,839 |
| Return on assets (ROA) | 0.4916% | 4,917 |
| Pretax return on assets | 0.5733% | 5,041 |
| Return on Equity (ROE) | 4.5608% | 4,885 |
| Retained earnings to average equity (ytd only) | -0.7409% | 5,814 |
| Net charge-offs to loans | -0.0523% | 5,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5866% | 1,796 |
| Assets per employee ($millions) | 2.8952% | 5,892 |
| Cash dividends to net income (ytd only)* | 116.2455% | 388 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8676% | 1,658 |
| Loan loss allowance to noncurrent loans | 88.7722% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 2,368 |
| Noncurrent loans to loans | 2.1038% | 1,583 |
| Net loans and leases to total assets | 62.9151% | 3,250 |
| Net loans and leases to deposits | 71.8941% | 3,581 |
| Net loans and leases to core deposits | 73.6861% | 3,872 |
| Total domestic deposits to total assets | 87.5108% | 2,193 |
| Equity capital to assets | 10.9836% | 2,894 |
| Core capital (leverage) ratio | 10.3221% | 3,180 |
| Tier 1 risk-based capital ratio | 16.9894% | 2,625 |
| Total risk-based capital ratio | 18.2482% | 2,575 |
| Memoranda: |
| Average total assets | $112,684,670 | 4,396 |
| Average earning assets | $106,987,670 | 4,306 |
| Average equity | $12,147,000 | 4,367 |
| Average total loans | $72,638,000 | 4,143 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5229% | 1,731 |
| Cost of funding earning assets | 0.5579% | 2,364 |
| Net interest margin | 3.9650% | 1,874 |
| Noninterest income to average assets | 0.6147% | 2,647 |
| Noninterest expense to average assets | 3.6955% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5650% | 4,388 |
| Return on assets (ROA) | 0.5650% | 4,464 |
| Pretax return on assets | 0.6822% | 4,549 |
| Return on Equity (ROE) | 5.2914% | 4,395 |
| Retained earnings to average equity (ytd only) | -3.0284% | 5,964 |
| Net charge-offs to loans | -0.0330% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6266% | 2,257 |
| Assets per employee ($millions) | 2.9242% | 5,951 |
| Cash dividends to net income (ytd only)* | 157.2327% | 366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8471% | 1,911 |
| Loan loss allowance to noncurrent loans | 207.9193% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 4,306 |
| Noncurrent loans to loans | 0.8884% | 3,659 |
| Net loans and leases to total assets | 62.3919% | 3,172 |
| Net loans and leases to deposits | 72.3887% | 3,284 |
| Net loans and leases to core deposits | 74.3913% | 3,607 |
| Total domestic deposits to total assets | 86.1902% | 3,261 |
| Equity capital to assets | 10.5900% | 3,154 |
| Core capital (leverage) ratio | 10.1310% | 3,388 |
| Tier 1 risk-based capital ratio | 16.5537% | 2,870 |
| Total risk-based capital ratio | 17.8117% | 2,840 |
| Memoranda: |
| Average total assets | $112,570,000 | 4,435 |
| Average earning assets | $106,834,000 | 4,346 |
| Average equity | $12,019,500 | 4,415 |
| Average total loans | $72,761,000 | 4,172 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5314% | 2,089 |
| Cost of funding earning assets | 0.7249% | 1,647 |
| Net interest margin | 3.8064% | 2,635 |
| Noninterest income to average assets | 0.7723% | 2,200 |
| Noninterest expense to average assets | 3.6105% | 1,428 |
| Loan and lease loss provision to assets | 0.0350% | 4,421 |
| Net operating income to assets | 0.6094% | 4,223 |
| Return on assets (ROA) | 0.6166% | 4,297 |
| Pretax return on assets | 0.7452% | 4,358 |
| Return on Equity (ROE) | 5.8404% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.7694% | 3,525 |
| Net charge-offs to loans | 0.0421% | 4,628 |
| Credit loss provision to net charge-offs | 129.0323% | 1,816 |
| Earnings coverage of net charge-offs (x) | 28.4516% | 1,234 |
| Efficiency ratio | 77.6846% | 2,515 |
| Assets per employee ($millions) | 3.0026% | 5,833 |
| Cash dividends to net income (ytd only)* | 35.4610% | 3,026 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8253% | 1,990 |
| Loan loss allowance to noncurrent loans | 148.2759% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 3,797 |
| Noncurrent loans to loans | 1.2310% | 3,084 |
| Net loans and leases to total assets | 64.5349% | 2,947 |
| Net loans and leases to deposits | 74.3328% | 3,215 |
| Net loans and leases to core deposits | 76.2215% | 3,583 |
| Total domestic deposits to total assets | 86.8188% | 2,821 |
| Equity capital to assets | 10.7671% | 2,859 |
| Core capital (leverage) ratio | 10.4360% | 2,980 |
| Tier 1 risk-based capital ratio | 16.4975% | 2,856 |
| Total risk-based capital ratio | 17.7549% | 2,819 |
| Memoranda: |
| Average total assets | $114,334,600 | 4,401 |
| Average earning assets | $108,421,400 | 4,300 |
| Average equity | $12,071,000 | 4,426 |
| Average total loans | $73,583,400 | 4,145 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5329% | 2,112 |
| Cost of funding earning assets | 0.7461% | 1,628 |
| Net interest margin | 3.7868% | 2,691 |
| Noninterest income to average assets | 0.7839% | 2,232 |
| Noninterest expense to average assets | 3.6197% | 1,365 |
| Loan and lease loss provision to assets | 0.0463% | 4,087 |
| Net operating income to assets | 0.5856% | 4,410 |
| Return on assets (ROA) | 0.5952% | 4,495 |
| Pretax return on assets | 0.7202% | 4,607 |
| Return on Equity (ROE) | 5.6646% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.6646% | 2,625 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0572% | 2,412 |
| Assets per employee ($millions) | 3.0974% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8860% | 2,042 |
| Loan loss allowance to noncurrent loans | 152.4022% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 4,153 |
| Noncurrent loans to loans | 1.2375% | 3,336 |
| Net loans and leases to total assets | 61.9181% | 3,377 |
| Net loans and leases to deposits | 70.4325% | 3,723 |
| Net loans and leases to core deposits | 71.9712% | 4,097 |
| Total domestic deposits to total assets | 87.9113% | 2,188 |
| Equity capital to assets | 10.4666% | 3,317 |
| Core capital (leverage) ratio | 10.1205% | 3,500 |
| Tier 1 risk-based capital ratio | 16.6906% | 2,864 |
| Total risk-based capital ratio | 17.9496% | 2,813 |
| Memoranda: |
| Average total assets | $115,143,750 | 4,426 |
| Average earning assets | $109,184,500 | 4,328 |
| Average equity | $12,098,250 | 4,477 |
| Average total loans | $73,721,750 | 4,168 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5884% | 1,885 |
| Cost of funding earning assets | 0.7681% | 1,599 |
| Net interest margin | 3.8203% | 2,475 |
| Noninterest income to average assets | 0.7769% | 2,291 |
| Noninterest expense to average assets | 3.6003% | 1,413 |
| Loan and lease loss provision to assets | 0.0694% | 3,649 |
| Net operating income to assets | 0.6098% | 4,237 |
| Return on assets (ROA) | 0.6243% | 4,338 |
| Pretax return on assets | 0.7475% | 4,516 |
| Return on Equity (ROE) | 5.9344% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.9344% | 2,476 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1778% | 2,597 |
| Assets per employee ($millions) | 3.0175% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8508% | 2,258 |
| Loan loss allowance to noncurrent loans | 169.8630% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 4,243 |
| Noncurrent loans to loans | 1.0896% | 3,754 |
| Net loans and leases to total assets | 64.7872% | 2,795 |
| Net loans and leases to deposits | 73.9004% | 3,170 |
| Net loans and leases to core deposits | 75.1285% | 3,657 |
| Total domestic deposits to total assets | 87.6683% | 2,459 |
| Equity capital to assets | 10.6971% | 3,060 |
| Core capital (leverage) ratio | 10.2037% | 3,224 |
| Tier 1 risk-based capital ratio | 16.2210% | 3,078 |
| Total risk-based capital ratio | 17.4791% | 3,020 |
| Memoranda: |
| Average total assets | $115,324,000 | 4,456 |
| Average earning assets | $109,362,000 | 4,352 |
| Average equity | $12,132,670 | 4,501 |
| Average total loans | $74,187,670 | 4,167 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6308% | 1,741 |
| Cost of funding earning assets | 0.7856% | 1,610 |
| Net interest margin | 3.8452% | 2,302 |
| Noninterest income to average assets | 0.8091% | 2,091 |
| Noninterest expense to average assets | 3.6087% | 1,408 |
| Loan and lease loss provision to assets | 0.1024% | 2,966 |
| Net operating income to assets | 0.6364% | 4,040 |
| Return on assets (ROA) | 0.6657% | 4,022 |
| Pretax return on assets | 0.7750% | 4,276 |
| Return on Equity (ROE) | 6.3791% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.3791% | 2,465 |
| Net charge-offs to loans | -0.0591% | 6,208 |
| Credit loss provision to net charge-offs | -272.7273% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5337% | 2,838 |
| Assets per employee ($millions) | 3.2737% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7787% | 2,701 |
| Loan loss allowance to noncurrent loans | 145.8333% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 4,382 |
| Noncurrent loans to loans | 1.2197% | 3,735 |
| Net loans and leases to total assets | 63.9590% | 2,715 |
| Net loans and leases to deposits | 72.8710% | 3,071 |
| Net loans and leases to core deposits | 73.8317% | 3,598 |
| Total domestic deposits to total assets | 87.7703% | 2,477 |
| Equity capital to assets | 10.4300% | 3,632 |
| Core capital (leverage) ratio | 9.4752% | 4,129 |
| Tier 1 risk-based capital ratio | 14.9276% | 3,891 |
| Total risk-based capital ratio | 16.1844% | 3,850 |
| Memoranda: |
| Average total assets | $117,162,500 | 4,461 |
| Average earning assets | $110,995,500 | 4,353 |
| Average equity | $12,227,500 | 4,533 |
| Average total loans | $74,433,000 | 4,191 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7224% | 2,509 |
| Cost of funding earning assets | 1.0625% | 1,062 |
| Net interest margin | 3.6599% | 3,828 |
| Noninterest income to average assets | 0.7440% | 2,527 |
| Noninterest expense to average assets | 3.4429% | 1,961 |
| Loan and lease loss provision to assets | 0.1271% | 4,023 |
| Net operating income to assets | 0.4619% | 4,830 |
| Return on assets (ROA) | 0.4839% | 5,002 |
| Pretax return on assets | 0.6508% | 4,823 |
| Return on Equity (ROE) | 4.8559% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.8559% | 2,803 |
| Net charge-offs to loans | 0.8309% | 1,394 |
| Credit loss provision to net charge-offs | 23.9617% | 5,228 |
| Earnings coverage of net charge-offs (x) | 1.4105% | 4,745 |
| Efficiency ratio | 77.3757% | 2,537 |
| Assets per employee ($millions) | 3.2354% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8357% | 2,478 |
| Loan loss allowance to noncurrent loans | 137.3444% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 3,889 |
| Noncurrent loans to loans | 1.3366% | 3,609 |
| Net loans and leases to total assets | 60.7866% | 3,461 |
| Net loans and leases to deposits | 69.0361% | 3,833 |
| Net loans and leases to core deposits | 69.9522% | 4,323 |
| Total domestic deposits to total assets | 88.0504% | 2,207 |
| Equity capital to assets | 10.4428% | 3,596 |
| Core capital (leverage) ratio | 9.3732% | 4,290 |
| Tier 1 risk-based capital ratio | 15.9122% | 3,209 |
| Total risk-based capital ratio | 17.1715% | 3,168 |
| Memoranda: |
| Average total assets | $118,009,400 | 4,401 |
| Average earning assets | $111,152,000 | 4,313 |
| Average equity | $11,759,000 | 4,621 |
| Average total loans | $75,341,200 | 4,167 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7593% | 2,540 |
| Cost of funding earning assets | 1.0920% | 1,096 |
| Net interest margin | 3.6673% | 3,934 |
| Noninterest income to average assets | 0.7185% | 2,625 |
| Noninterest expense to average assets | 3.4911% | 1,784 |
| Loan and lease loss provision to assets | 0.1351% | 3,856 |
| Net operating income to assets | 0.3842% | 5,313 |
| Return on assets (ROA) | 0.4122% | 5,428 |
| Pretax return on assets | 0.5845% | 5,221 |
| Return on Equity (ROE) | 4.1859% | 5,209 |
| Retained earnings to average equity (ytd only) | 4.1859% | 3,951 |
| Net charge-offs to loans | 0.8492% | 1,298 |
| Credit loss provision to net charge-offs | 24.7423% | 4,889 |
| Earnings coverage of net charge-offs (x) | 1.2454% | 4,663 |
| Efficiency ratio | 78.9147% | 2,246 |
| Assets per employee ($millions) | 3.3650% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9360% | 2,370 |
| Loan loss allowance to noncurrent loans | 78.6301% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 2,980 |
| Noncurrent loans to loans | 2.4622% | 2,340 |
| Net loans and leases to total assets | 60.0017% | 3,785 |
| Net loans and leases to deposits | 67.9963% | 4,180 |
| Net loans and leases to core deposits | 68.8654% | 4,631 |
| Total domestic deposits to total assets | 88.2425% | 1,881 |
| Equity capital to assets | 9.9323% | 4,603 |
| Core capital (leverage) ratio | 8.7933% | 5,359 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,854 |
| Total risk-based capital ratio | 16.2607% | 3,793 |
| Memoranda: |
| Average total assets | $118,393,500 | 4,431 |
| Average earning assets | $111,469,500 | 4,349 |
| Average equity | $11,658,000 | 4,680 |
| Average total loans | $76,145,500 | 4,195 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8342% | 2,363 |
| Cost of funding earning assets | 1.1338% | 1,079 |
| Net interest margin | 3.7003% | 3,817 |
| Noninterest income to average assets | 0.6367% | 3,026 |
| Noninterest expense to average assets | 3.5053% | 1,773 |
| Loan and lease loss provision to assets | 0.1362% | 3,817 |
| Net operating income to assets | 0.3254% | 5,517 |
| Return on assets (ROA) | 0.3677% | 5,575 |
| Pretax return on assets | 0.5346% | 5,354 |
| Return on Equity (ROE) | 3.7457% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.7457% | 4,114 |
| Net charge-offs to loans | 0.4895% | 2,115 |
| Credit loss provision to net charge-offs | 42.5532% | 4,202 |
| Earnings coverage of net charge-offs (x) | 1.9043% | 4,023 |
| Efficiency ratio | 80.3062% | 2,123 |
| Assets per employee ($millions) | 3.2611% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2847% | 1,613 |
| Loan loss allowance to noncurrent loans | 84.9824% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.3101% | 2,423 |
| Noncurrent loans to loans | 2.6884% | 2,238 |
| Net loans and leases to total assets | 61.6424% | 3,503 |
| Net loans and leases to deposits | 69.8584% | 3,913 |
| Net loans and leases to core deposits | 70.7760% | 4,439 |
| Total domestic deposits to total assets | 88.2392% | 1,998 |
| Equity capital to assets | 9.9644% | 4,392 |
| Core capital (leverage) ratio | 8.9010% | 5,048 |
| Tier 1 risk-based capital ratio | 15.1026% | 3,707 |
| Total risk-based capital ratio | 16.3671% | 3,658 |
| Memoranda: |
| Average total assets | $117,478,000 | 4,469 |
| Average earning assets | $110,422,670 | 4,403 |
| Average equity | $11,533,330 | 4,704 |
| Average total loans | $76,820,330 | 4,192 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9040% | 2,222 |
| Cost of funding earning assets | 1.1897% | 1,032 |
| Net interest margin | 3.7143% | 3,769 |
| Noninterest income to average assets | 0.5718% | 3,408 |
| Noninterest expense to average assets | 3.4956% | 1,774 |
| Loan and lease loss provision to assets | 0.1702% | 3,270 |
| Net operating income to assets | 0.2606% | 5,779 |
| Return on assets (ROA) | 0.3404% | 5,690 |
| Pretax return on assets | 0.5106% | 5,399 |
| Return on Equity (ROE) | 3.4931% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.4931% | 4,485 |
| Net charge-offs to loans | 0.5985% | 1,593 |
| Credit loss provision to net charge-offs | 42.7350% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.4103% | 3,620 |
| Efficiency ratio | 81.2081% | 2,052 |
| Assets per employee ($millions) | 3.3061% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2827% | 1,706 |
| Loan loss allowance to noncurrent loans | 82.0161% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.5869% | 2,289 |
| Noncurrent loans to loans | 2.7833% | 2,329 |
| Net loans and leases to total assets | 62.3293% | 3,187 |
| Net loans and leases to deposits | 70.4919% | 3,654 |
| Net loans and leases to core deposits | 71.4657% | 4,231 |
| Total domestic deposits to total assets | 88.4205% | 2,056 |
| Equity capital to assets | 9.6454% | 4,594 |
| Core capital (leverage) ratio | 8.6342% | 5,402 |
| Tier 1 risk-based capital ratio | 14.2381% | 4,287 |
| Total risk-based capital ratio | 15.5026% | 4,252 |
| Memoranda: |
| Average total assets | $117,518,000 | 4,506 |
| Average earning assets | $110,276,500 | 4,431 |
| Average equity | $11,451,000 | 4,742 |
| Average total loans | $78,201,000 | 4,172 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1924% | 2,090 |
| Cost of funding earning assets | 1.3878% | 1,091 |
| Net interest margin | 3.8046% | 3,795 |
| Noninterest income to average assets | 0.5050% | 3,815 |
| Noninterest expense to average assets | 3.4020% | 2,231 |
| Loan and lease loss provision to assets | 0.7030% | 1,455 |
| Net operating income to assets | -0.0612% | 6,122 |
| Return on assets (ROA) | -0.0583% | 6,204 |
| Pretax return on assets | -0.0866% | 6,205 |
| Return on Equity (ROE) | -0.5064% | 6,206 |
| Retained earnings to average equity (ytd only) | -0.5064% | 5,934 |
| Net charge-offs to loans | 1.2612% | 1,317 |
| Credit loss provision to net charge-offs | 77.7251% | 4,563 |
| Earnings coverage of net charge-offs (x) | 0.6768% | 5,308 |
| Efficiency ratio | 79.7095% | 2,346 |
| Assets per employee ($millions) | 3.2226% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2365% | 1,731 |
| Loan loss allowance to noncurrent loans | 55.9528% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.0832% | 1,943 |
| Noncurrent loans to loans | 3.9971% | 1,560 |
| Net loans and leases to total assets | 67.8223% | 2,439 |
| Net loans and leases to deposits | 77.0136% | 2,998 |
| Net loans and leases to core deposits | 78.1060% | 3,671 |
| Total domestic deposits to total assets | 88.0653% | 2,110 |
| Equity capital to assets | 9.8453% | 4,375 |
| Core capital (leverage) ratio | 8.7375% | 5,196 |
| Tier 1 risk-based capital ratio | 13.4645% | 4,721 |
| Total risk-based capital ratio | 14.7291% | 4,674 |
| Memoranda: |
| Average total assets | $116,638,400 | 4,489 |
| Average earning assets | $107,579,400 | 4,458 |
| Average equity | $13,427,000 | 4,255 |
| Average total loans | $83,652,000 | 4,031 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1757% | 2,293 |
| Cost of funding earning assets | 1.4230% | 1,137 |
| Net interest margin | 3.7527% | 4,097 |
| Noninterest income to average assets | 0.4269% | 4,463 |
| Noninterest expense to average assets | 3.3540% | 2,337 |
| Loan and lease loss provision to assets | 0.7649% | 1,235 |
| Net operating income to assets | -0.1659% | 6,346 |
| Return on assets (ROA) | -0.1621% | 6,423 |
| Pretax return on assets | -0.2420% | 6,448 |
| Return on Equity (ROE) | -1.3593% | 6,419 |
| Retained earnings to average equity (ytd only) | -1.3593% | 6,212 |
| Net charge-offs to loans | 0.8479% | 1,879 |
| Credit loss provision to net charge-offs | 124.7672% | 2,576 |
| Earnings coverage of net charge-offs (x) | 0.8436% | 4,980 |
| Efficiency ratio | 81.4214% | 2,052 |
| Assets per employee ($millions) | 3.2078% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6622% | 1,175 |
| Loan loss allowance to noncurrent loans | 48.7191% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.1072% | 1,490 |
| Noncurrent loans to loans | 5.4644% | 1,090 |
| Net loans and leases to total assets | 68.6428% | 2,342 |
| Net loans and leases to deposits | 78.1466% | 2,955 |
| Net loans and leases to core deposits | 79.2664% | 3,741 |
| Total domestic deposits to total assets | 87.8385% | 2,140 |
| Equity capital to assets | 9.7801% | 4,652 |
| Core capital (leverage) ratio | 8.6602% | 5,474 |
| Tier 1 risk-based capital ratio | 13.5217% | 4,715 |
| Total risk-based capital ratio | 14.7923% | 4,671 |
| Memoranda: |
| Average total assets | $116,794,250 | 4,512 |
| Average earning assets | $107,190,500 | 4,501 |
| Average equity | $13,928,250 | 4,141 |
| Average total loans | $84,444,000 | 4,046 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1552% | 2,442 |
| Cost of funding earning assets | 1.4574% | 1,173 |
| Net interest margin | 3.6978% | 4,270 |
| Noninterest income to average assets | 0.3719% | 4,893 |
| Noninterest expense to average assets | 3.2875% | 2,607 |
| Loan and lease loss provision to assets | 0.8786% | 1,017 |
| Net operating income to assets | -0.2849% | 6,547 |
| Return on assets (ROA) | -0.2849% | 6,576 |
| Pretax return on assets | -0.4265% | 6,608 |
| Return on Equity (ROE) | -2.2558% | 6,538 |
| Retained earnings to average equity (ytd only) | -2.2558% | 6,286 |
| Net charge-offs to loans | 0.8005% | 1,901 |
| Credit loss provision to net charge-offs | 150.5848% | 2,028 |
| Earnings coverage of net charge-offs (x) | 0.7749% | 4,722 |
| Efficiency ratio | 82.5274% | 2,022 |
| Assets per employee ($millions) | 3.1489% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6259% | 1,279 |
| Loan loss allowance to noncurrent loans | 43.8792% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 4.6277% | 1,353 |
| Noncurrent loans to loans | 5.9843% | 1,000 |
| Net loans and leases to total assets | 72.2292% | 1,746 |
| Net loans and leases to deposits | 82.4412% | 2,379 |
| Net loans and leases to core deposits | 83.6439% | 3,265 |
| Total domestic deposits to total assets | 87.6129% | 2,400 |
| Equity capital to assets | 9.9109% | 4,264 |
| Core capital (leverage) ratio | 8.7505% | 5,138 |
| Tier 1 risk-based capital ratio | 13.1899% | 4,774 |
| Total risk-based capital ratio | 14.4614% | 4,738 |
| Memoranda: |
| Average total assets | $117,232,670 | 4,529 |
| Average earning assets | $106,766,330 | 4,539 |
| Average equity | $14,806,330 | 3,944 |
| Average total loans | $85,446,670 | 4,058 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0552% | 2,828 |
| Cost of funding earning assets | 1.4967% | 1,171 |
| Net interest margin | 3.5585% | 4,773 |
| Noninterest income to average assets | 0.3692% | 4,959 |
| Noninterest expense to average assets | 3.2962% | 2,568 |
| Loan and lease loss provision to assets | 1.6783% | 360 |
| Net operating income to assets | -0.9432% | 7,026 |
| Return on assets (ROA) | -0.9432% | 7,027 |
| Pretax return on assets | -1.4131% | 7,130 |
| Return on Equity (ROE) | -6.7743% | 6,905 |
| Retained earnings to average equity (ytd only) | -6.7743% | 6,658 |
| Net charge-offs to loans | 1.4072% | 975 |
| Credit loss provision to net charge-offs | 165.0165% | 1,759 |
| Earnings coverage of net charge-offs (x) | 0.2607% | 4,415 |
| Efficiency ratio | 86.9934% | 1,611 |
| Assets per employee ($millions) | 3.3058% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6238% | 1,283 |
| Loan loss allowance to noncurrent loans | 42.2807% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.6391% | 1,385 |
| Noncurrent loans to loans | 6.2057% | 1,004 |
| Net loans and leases to total assets | 69.6034% | 2,201 |
| Net loans and leases to deposits | 83.2722% | 2,141 |
| Net loans and leases to core deposits | 84.5626% | 3,088 |
| Total domestic deposits to total assets | 83.5854% | 4,667 |
| Equity capital to assets | 13.8240% | 1,061 |
| Core capital (leverage) ratio | 8.5757% | 5,300 |
| Tier 1 risk-based capital ratio | 13.0313% | 4,807 |
| Total risk-based capital ratio | 14.3033% | 4,771 |
| Memoranda: |
| Average total assets | $119,169,000 | 4,512 |
| Average earning assets | $106,900,000 | 4,563 |
| Average equity | $16,592,000 | 3,624 |
| Average total loans | $86,126,500 | 4,074 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4189% | 2,586 |
| Cost of funding earning assets | 1.7117% | 1,547 |
| Net interest margin | 3.7072% | 4,313 |
| Noninterest income to average assets | 0.2874% | 5,729 |
| Noninterest expense to average assets | 3.2454% | 2,936 |
| Loan and lease loss provision to assets | 1.7324% | 814 |
| Net operating income to assets | -0.9552% | 6,652 |
| Return on assets (ROA) | -0.9552% | 6,695 |
| Pretax return on assets | -1.3802% | 6,812 |
| Return on Equity (ROE) | -6.7779% | 6,546 |
| Retained earnings to average equity (ytd only) | -6.7779% | 6,447 |
| Net charge-offs to loans | 2.0050% | 1,005 |
| Credit loss provision to net charge-offs | 113.0481% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.2298% | 5,880 |
| Efficiency ratio | 84.9010% | 1,812 |
| Assets per employee ($millions) | 3.3147% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3341% | 1,641 |
| Loan loss allowance to noncurrent loans | 51.9796% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.4837% | 1,995 |
| Noncurrent loans to loans | 4.4904% | 1,577 |
| Net loans and leases to total assets | 71.3588% | 2,224 |
| Net loans and leases to deposits | 85.8715% | 2,127 |
| Net loans and leases to core deposits | 87.2002% | 3,155 |
| Total domestic deposits to total assets | 83.0995% | 4,755 |
| Equity capital to assets | 14.0219% | 1,033 |
| Core capital (leverage) ratio | 8.7533% | 4,936 |
| Tier 1 risk-based capital ratio | 13.1555% | 4,482 |
| Total risk-based capital ratio | 14.4240% | 4,425 |
| Memoranda: |
| Average total assets | $123,529,200 | 4,414 |
| Average earning assets | $110,298,800 | 4,458 |
| Average equity | $17,409,600 | 3,520 |
| Average total loans | $94,415,200 | 3,942 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4399% | 2,692 |
| Cost of funding earning assets | 1.7413% | 1,667 |
| Net interest margin | 3.6987% | 4,403 |
| Noninterest income to average assets | 0.3328% | 5,498 |
| Noninterest expense to average assets | 3.1658% | 3,049 |
| Loan and lease loss provision to assets | 1.5626% | 843 |
| Net operating income to assets | -0.7791% | 6,783 |
| Return on assets (ROA) | -0.7791% | 6,816 |
| Pretax return on assets | -1.0991% | 6,900 |
| Return on Equity (ROE) | -5.5216% | 6,688 |
| Retained earnings to average equity (ytd only) | -5.5216% | 6,599 |
| Net charge-offs to loans | 2.6397% | 624 |
| Credit loss provision to net charge-offs | 76.6404% | 5,235 |
| Earnings coverage of net charge-offs (x) | 0.2273% | 5,785 |
| Efficiency ratio | 82.0112% | 2,057 |
| Assets per employee ($millions) | 3.5271% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4783% | 4,057 |
| Loan loss allowance to noncurrent loans | 38.3824% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.6420% | 1,954 |
| Noncurrent loans to loans | 3.8514% | 1,983 |
| Net loans and leases to total assets | 72.5058% | 2,131 |
| Net loans and leases to deposits | 88.3217% | 1,969 |
| Net loans and leases to core deposits | 89.6720% | 3,144 |
| Total domestic deposits to total assets | 82.0929% | 4,954 |
| Equity capital to assets | 13.9241% | 1,192 |
| Core capital (leverage) ratio | 8.7862% | 5,036 |
| Tier 1 risk-based capital ratio | 12.9838% | 4,591 |
| Total risk-based capital ratio | 14.2333% | 4,563 |
| Memoranda: |
| Average total assets | $124,579,500 | 4,449 |
| Average earning assets | $111,028,500 | 4,506 |
| Average equity | $17,579,000 | 3,538 |
| Average total loans | $96,222,500 | 3,963 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4231% | 2,872 |
| Cost of funding earning assets | 1.7879% | 1,694 |
| Net interest margin | 3.6352% | 4,661 |
| Noninterest income to average assets | 0.4033% | 4,890 |
| Noninterest expense to average assets | 3.1579% | 3,062 |
| Loan and lease loss provision to assets | 2.0967% | 587 |
| Net operating income to assets | -1.1268% | 6,999 |
| Return on assets (ROA) | -1.1268% | 7,014 |
| Pretax return on assets | -1.6134% | 7,118 |
| Return on Equity (ROE) | -7.9508% | 6,887 |
| Retained earnings to average equity (ytd only) | -7.9508% | 6,813 |
| Net charge-offs to loans | 1.7610% | 1,060 |
| Credit loss provision to net charge-offs | 151.7961% | 2,587 |
| Earnings coverage of net charge-offs (x) | 0.3499% | 5,376 |
| Efficiency ratio | 81.5385% | 2,230 |
| Assets per employee ($millions) | 3.6017% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3487% | 1,511 |
| Loan loss allowance to noncurrent loans | 55.0160% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 4.1488% | 1,635 |
| Noncurrent loans to loans | 4.2692% | 1,743 |
| Net loans and leases to total assets | 73.6142% | 2,000 |
| Net loans and leases to deposits | 89.5336% | 1,931 |
| Net loans and leases to core deposits | 91.0874% | 3,110 |
| Total domestic deposits to total assets | 82.2196% | 4,898 |
| Equity capital to assets | 13.6491% | 1,289 |
| Core capital (leverage) ratio | 8.5675% | 5,301 |
| Tier 1 risk-based capital ratio | 12.5069% | 4,856 |
| Total risk-based capital ratio | 13.7564% | 4,831 |
| Memoranda: |
| Average total assets | $124,956,670 | 4,474 |
| Average earning assets | $111,302,000 | 4,526 |
| Average equity | $17,709,000 | 3,511 |
| Average total loans | $98,013,330 | 3,962 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6194% | 2,072 |
| Cost of funding earning assets | 1.7997% | 1,874 |
| Net interest margin | 3.8198% | 3,707 |
| Noninterest income to average assets | 0.4116% | 4,803 |
| Noninterest expense to average assets | 3.0320% | 3,556 |
| Loan and lease loss provision to assets | 0.2894% | 3,706 |
| Net operating income to assets | 0.3247% | 5,191 |
| Return on assets (ROA) | 0.3247% | 5,320 |
| Pretax return on assets | 0.4887% | 5,002 |
| Return on Equity (ROE) | 2.2494% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.2494% | 4,783 |
| Net charge-offs to loans | 0.3538% | 2,990 |
| Credit loss provision to net charge-offs | 102.2727% | 3,329 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,170 |
| Efficiency ratio | 74.5992% | 3,468 |
| Assets per employee ($millions) | 3.5957% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8186% | 2,673 |
| Loan loss allowance to noncurrent loans | 44.3424% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 3.5416% | 1,980 |
| Noncurrent loans to loans | 4.1012% | 1,891 |
| Net loans and leases to total assets | 76.6623% | 1,400 |
| Net loans and leases to deposits | 95.6781% | 1,149 |
| Net loans and leases to core deposits | 96.0123% | 2,591 |
| Total domestic deposits to total assets | 80.1252% | 5,742 |
| Equity capital to assets | 14.3125% | 1,062 |
| Core capital (leverage) ratio | 9.2152% | 4,198 |
| Tier 1 risk-based capital ratio | 12.7910% | 4,490 |
| Total risk-based capital ratio | 14.0413% | 4,454 |
| Memoranda: |
| Average total assets | $124,405,000 | 4,532 |
| Average earning assets | $110,687,000 | 4,591 |
| Average equity | $17,960,500 | 3,489 |
| Average total loans | $99,505,000 | 3,973 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2428% | 1,136 |
| Cost of funding earning assets | 2.3835% | 1,352 |
| Net interest margin | 3.8592% | 3,441 |
| Noninterest income to average assets | 0.4292% | 4,976 |
| Noninterest expense to average assets | 3.2772% | 3,091 |
| Loan and lease loss provision to assets | 1.2827% | 1,802 |
| Net operating income to assets | -0.4499% | 6,125 |
| Return on assets (ROA) | -0.4499% | 6,124 |
| Pretax return on assets | -0.6784% | 6,169 |
| Return on Equity (ROE) | -3.0956% | 5,998 |
| Retained earnings to average equity (ytd only) | -3.0956% | 5,721 |
| Net charge-offs to loans | 0.3265% | 4,605 |
| Credit loss provision to net charge-offs | 472.4340% | 652 |
| Earnings coverage of net charge-offs (x) | 2.2258% | 4,053 |
| Efficiency ratio | 79.5897% | 2,943 |
| Assets per employee ($millions) | 3.5132% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7311% | 2,784 |
| Loan loss allowance to noncurrent loans | 48.6336% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 3.5117% | 1,911 |
| Noncurrent loans to loans | 3.5595% | 2,134 |
| Net loans and leases to total assets | 80.5135% | 907 |
| Net loans and leases to deposits | 101.1897% | 809 |
| Net loans and leases to core deposits | 120.6564% | 1,904 |
| Total domestic deposits to total assets | 79.5669% | 5,826 |
| Equity capital to assets | 14.5647% | 1,008 |
| Core capital (leverage) ratio | 9.3104% | 3,959 |
| Tier 1 risk-based capital ratio | 12.5407% | 4,488 |
| Total risk-based capital ratio | 13.7907% | 4,432 |
| Memoranda: |
| Average total assets | $125,595,200 | 4,435 |
| Average earning assets | $112,354,000 | 4,499 |
| Average equity | $18,252,000 | 3,471 |
| Average total loans | $104,447,600 | 3,823 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2636% | 1,210 |
| Cost of funding earning assets | 2.5050% | 1,284 |
| Net interest margin | 3.7586% | 3,824 |
| Noninterest income to average assets | 0.4224% | 5,115 |
| Noninterest expense to average assets | 3.3244% | 2,824 |
| Loan and lease loss provision to assets | 1.0782% | 1,808 |
| Net operating income to assets | -0.4045% | 6,322 |
| Return on assets (ROA) | -0.4045% | 6,325 |
| Pretax return on assets | -0.6115% | 6,403 |
| Return on Equity (ROE) | -2.7847% | 6,213 |
| Retained earnings to average equity (ytd only) | -2.7847% | 5,895 |
| Net charge-offs to loans | 0.2670% | 4,372 |
| Credit loss provision to net charge-offs | 483.8863% | 816 |
| Earnings coverage of net charge-offs (x) | 2.0948% | 4,253 |
| Efficiency ratio | 82.7577% | 2,466 |
| Assets per employee ($millions) | 3.5088% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3221% | 4,374 |
| Loan loss allowance to noncurrent loans | 54.3632% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 2,530 |
| Noncurrent loans to loans | 2.4319% | 3,096 |
| Net loans and leases to total assets | 84.0533% | 532 |
| Net loans and leases to deposits | 106.9113% | 613 |
| Net loans and leases to core deposits | 127.4697% | 1,621 |
| Total domestic deposits to total assets | 78.6196% | 5,923 |
| Equity capital to assets | 14.7310% | 1,085 |
| Core capital (leverage) ratio | 9.4339% | 4,000 |
| Tier 1 risk-based capital ratio | 12.1800% | 4,812 |
| Total risk-based capital ratio | 13.4294% | 4,760 |
| Memoranda: |
| Average total assets | $126,253,500 | 4,441 |
| Average earning assets | $113,159,500 | 4,508 |
| Average equity | $18,337,750 | 3,475 |
| Average total loans | $105,373,250 | 3,841 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2089% | 1,425 |
| Cost of funding earning assets | 2.5863% | 1,326 |
| Net interest margin | 3.6226% | 4,273 |
| Noninterest income to average assets | 0.4207% | 5,115 |
| Noninterest expense to average assets | 3.4348% | 2,522 |
| Loan and lease loss provision to assets | 0.4992% | 3,041 |
| Net operating income to assets | -0.1743% | 6,144 |
| Return on assets (ROA) | -0.1743% | 6,167 |
| Pretax return on assets | -0.2590% | 6,186 |
| Return on Equity (ROE) | -1.2052% | 6,102 |
| Retained earnings to average equity (ytd only) | -1.2052% | 5,537 |
| Net charge-offs to loans | 0.3295% | 3,536 |
| Credit loss provision to net charge-offs | 182.7586% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.8793% | 4,872 |
| Efficiency ratio | 88.4238% | 1,957 |
| Assets per employee ($millions) | 3.6613% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6537% | 7,539 |
| Loan loss allowance to noncurrent loans | 30.8002% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 3,211 |
| Noncurrent loans to loans | 2.1222% | 3,348 |
| Net loans and leases to total assets | 81.7171% | 1,004 |
| Net loans and leases to deposits | 103.2763% | 966 |
| Net loans and leases to core deposits | 123.1050% | 2,108 |
| Total domestic deposits to total assets | 79.1248% | 5,776 |
| Equity capital to assets | 14.3296% | 1,215 |
| Core capital (leverage) ratio | 9.1981% | 4,312 |
| Tier 1 risk-based capital ratio | 11.6093% | 5,278 |
| Total risk-based capital ratio | 12.3285% | 5,718 |
| Memoranda: |
| Average total assets | $127,401,670 | 4,445 |
| Average earning assets | $114,449,000 | 4,506 |
| Average equity | $18,420,000 | 3,485 |
| Average total loans | $105,628,330 | 3,868 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2435% | 1,465 |
| Cost of funding earning assets | 2.6543% | 1,395 |
| Net interest margin | 3.5892% | 4,363 |
| Noninterest income to average assets | 0.3747% | 5,431 |
| Noninterest expense to average assets | 3.2087% | 2,951 |
| Loan and lease loss provision to assets | 0.6235% | 2,027 |
| Net operating income to assets | -0.1543% | 6,484 |
| Return on assets (ROA) | -0.1543% | 6,589 |
| Pretax return on assets | -0.2299% | 6,604 |
| Return on Equity (ROE) | -1.0624% | 6,548 |
| Retained earnings to average equity (ytd only) | -1.0624% | 5,902 |
| Net charge-offs to loans | 0.1854% | 3,525 |
| Credit loss provision to net charge-offs | 404.0816% | 1,289 |
| Earnings coverage of net charge-offs (x) | 2.5510% | 3,474 |
| Efficiency ratio | 83.9161% | 2,317 |
| Assets per employee ($millions) | 3.6862% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6905% | 7,463 |
| Loan loss allowance to noncurrent loans | 25.1211% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 2.2400% | 2,556 |
| Noncurrent loans to loans | 2.7488% | 2,382 |
| Net loans and leases to total assets | 80.9272% | 1,217 |
| Net loans and leases to deposits | 103.5270% | 1,046 |
| Net loans and leases to core deposits | 123.8776% | 2,093 |
| Total domestic deposits to total assets | 78.1701% | 5,950 |
| Equity capital to assets | 14.2804% | 1,287 |
| Core capital (leverage) ratio | 9.1401% | 4,492 |
| Tier 1 risk-based capital ratio | 11.8006% | 5,126 |
| Total risk-based capital ratio | 12.5707% | 5,490 |
| Memoranda: |
| Average total assets | $127,029,000 | 4,464 |
| Average earning assets | $114,230,500 | 4,526 |
| Average equity | $18,448,500 | 3,491 |
| Average total loans | $105,739,000 | 3,890 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8325% | 1,575 |
| Cost of funding earning assets | 3.0212% | 1,798 |
| Net interest margin | 3.8113% | 3,974 |
| Noninterest income to average assets | 0.4646% | 4,923 |
| Noninterest expense to average assets | 3.0885% | 3,743 |
| Loan and lease loss provision to assets | 0.2491% | 4,426 |
| Net operating income to assets | 0.3652% | 5,291 |
| Return on assets (ROA) | 0.3652% | 5,089 |
| Pretax return on assets | 0.5503% | 4,853 |
| Return on Equity (ROE) | 2.4680% | 5,432 |
| Retained earnings to average equity (ytd only) | -4.0267% | 6,328 |
| Net charge-offs to loans | 0.1900% | 4,282 |
| Credit loss provision to net charge-offs | 153.9604% | 3,389 |
| Earnings coverage of net charge-offs (x) | 4.9406% | 3,807 |
| Efficiency ratio | 74.5571% | 3,483 |
| Assets per employee ($millions) | 3.4734% | 4,740 |
| Cash dividends to net income (ytd only)* | 263.1579% | 232 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5416% | 7,777 |
| Loan loss allowance to noncurrent loans | 35.9551% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2812% | 3,666 |
| Noncurrent loans to loans | 1.5064% | 3,532 |
| Net loans and leases to total assets | 84.5852% | 795 |
| Net loans and leases to deposits | 108.9977% | 900 |
| Net loans and leases to core deposits | 133.3909% | 1,630 |
| Total domestic deposits to total assets | 77.6027% | 5,838 |
| Equity capital to assets | 14.7734% | 1,224 |
| Core capital (leverage) ratio | 9.4448% | 4,097 |
| Tier 1 risk-based capital ratio | 11.8197% | 4,968 |
| Total risk-based capital ratio | 12.4322% | 5,442 |
| Memoranda: |
| Average total assets | $124,850,600 | 4,398 |
| Average earning assets | $112,141,200 | 4,465 |
| Average equity | $18,476,800 | 3,483 |
| Average total loans | $106,327,600 | 3,783 |
