Home > Mount Gilead Savings and Loan Association > Performance and Condition Ratios
Mount Gilead Savings and Loan Association, Performance and Condition Ratios
| 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 | 0.6683% | 6,708 |
| Cost of funding earning assets | 244.6115% | 1 |
| Net interest margin | -243.9432% | 6,729 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 162.6446% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -323.5262% | 6,730 |
| Return on assets (ROA) | -323.5262% | 6,730 |
| Pretax return on assets | -323.5262% | 6,730 |
| Return on Equity (ROE) | -437.5559% | 6,728 |
| Retained earnings to average equity (ytd only) | -437.5559% | 6,728 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -101.0959% | 6,727 |
| Assets per employee ($millions) | 0.1600% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 3.4375% | 6,710 |
| Equity capital to assets | 95.0000% | 9 |
| Core capital (leverage) ratio | 94.9843% | 8 |
| Tier 1 risk-based capital ratio | 561.1111% | 3 |
| Total risk-based capital ratio | 561.1111% | 3 |
| Memoranda: | ||
| Average total assets | $907,500 | 6,739 |
| Average earning assets | $598,500 | 6,728 |
| Average equity | $671,000 | 6,721 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 381 |
| Cost of funding earning assets | 7.8686% | 1 |
| Net interest margin | -2.3933% | 6,811 |
| Noninterest income to average assets | -2.0957% | 6,811 |
| Noninterest expense to average assets | 3.9730% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -8.4590% | 6,808 |
| Return on assets (ROA) | -8.3935% | 6,808 |
| Pretax return on assets | -8.3171% | 6,808 |
| Return on Equity (ROE) | -46.1363% | 6,768 |
| Retained earnings to average equity (ytd only) | -46.1363% | 6,765 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -90.0990% | 6,809 |
| Assets per employee ($millions) | 0.3738% | 6,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 30.4348% | 6,770 |
| Equity capital to assets | 69.4314% | 34 |
| Core capital (leverage) ratio | 69.4110% | 32 |
| Tier 1 risk-based capital ratio | 1,139.5604% | 2 |
| Total risk-based capital ratio | 1,139.5604% | 2 |
| Memoranda: | ||
| Average total assets | $9,161,800 | 6,803 |
| Average earning assets | $8,858,000 | 6,784 |
| Average equity | $1,666,800 | 6,736 |
| Average total loans | $6,544,800 | 6,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,776 |
| Cost of funding earning assets | 0.6924% | 2,002 |
| Net interest margin | 3.6599% | 3,194 |
| Noninterest income to average assets | 0.0120% | 6,717 |
| Noninterest expense to average assets | 3.2133% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2888% | 5,653 |
| Return on assets (ROA) | 0.2888% | 5,760 |
| Pretax return on assets | 0.3611% | 5,717 |
| Return on Equity (ROE) | 1.7544% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.7544% | 5,262 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8990% | 1,000 |
| Assets per employee ($millions) | 2.6783% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 6,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.2113% | 1,569 |
| Net loans and leases to deposits | 87.2153% | 1,465 |
| Net loans and leases to core deposits | 89.9117% | 1,974 |
| Total domestic deposits to total assets | 82.7966% | 4,653 |
| Equity capital to assets | 17.0914% | 412 |
| Core capital (leverage) ratio | 17.0836% | 384 |
| Tier 1 risk-based capital ratio | 40.1404% | 240 |
| Total risk-based capital ratio | 40.8642% | 243 |
| Memoranda: | ||
| Average total assets | $11,078,500 | 6,868 |
| Average earning assets | $10,783,250 | 6,849 |
| Average equity | $1,824,000 | 6,796 |
| Average total loans | $8,181,000 | 6,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 2,534 |
| Cost of funding earning assets | 0.7498% | 1,715 |
| Net interest margin | 3.6574% | 3,148 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 2.8392% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5714% | 4,446 |
| Return on assets (ROA) | 0.5714% | 4,618 |
| Pretax return on assets | 0.7321% | 4,567 |
| Return on Equity (ROE) | 3.5133% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.5133% | 4,086 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5000% | 2,222 |
| Assets per employee ($millions) | 2.7845% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 6,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.0092% | 1,719 |
| Net loans and leases to deposits | 85.2447% | 1,653 |
| Net loans and leases to core deposits | 90.5438% | 1,858 |
| Total domestic deposits to total assets | 83.3004% | 4,589 |
| Equity capital to assets | 16.5290% | 467 |
| Core capital (leverage) ratio | 16.5140% | 414 |
| Tier 1 risk-based capital ratio | 39.6336% | 239 |
| Total risk-based capital ratio | 40.3448% | 242 |
| Memoranda: | ||
| Average total assets | $11,200,330 | 6,917 |
| Average earning assets | $10,936,670 | 6,897 |
| Average equity | $1,821,670 | 6,842 |
| Average total loans | $8,318,330 | 6,761 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 2,045 |
| Cost of funding earning assets | 0.8410% | 1,303 |
| Net interest margin | 3.6929% | 2,882 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 2.8847% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4986% | 4,676 |
| Return on assets (ROA) | 0.4986% | 4,829 |
| Pretax return on assets | 0.7123% | 4,522 |
| Return on Equity (ROE) | 3.0905% | 5,554 |
| Retained earnings to average equity (ytd only) | 3.0905% | 4,428 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1980% | 2,308 |
| Assets per employee ($millions) | 2.7888% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3974% | 6,853 |
| Loan loss allowance to noncurrent loans | 86.8421% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 5,572 |
| Noncurrent loans to loans | 0.4577% | 5,275 |
| Net loans and leases to total assets | 74.1372% | 1,056 |
| Net loans and leases to deposits | 88.7434% | 1,077 |
| Net loans and leases to core deposits | 94.2128% | 1,332 |
| Total domestic deposits to total assets | 83.5410% | 4,651 |
| Equity capital to assets | 16.3156% | 517 |
| Core capital (leverage) ratio | 16.3156% | 423 |
| Tier 1 risk-based capital ratio | 37.3104% | 284 |
| Total risk-based capital ratio | 37.9869% | 292 |
| Memoranda: | ||
| Average total assets | $11,231,500 | 6,994 |
| Average earning assets | $10,940,000 | 6,973 |
| Average equity | $1,812,000 | 6,913 |
| Average total loans | $8,506,500 | 6,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 2,367 |
| Cost of funding earning assets | 1.1065% | 885 |
| Net interest margin | 3.6522% | 3,862 |
| Noninterest income to average assets | 0.0088% | 6,799 |
| Noninterest expense to average assets | 3.0554% | 3,077 |
| Loan and lease loss provision to assets | 0.0264% | 5,563 |
| Net operating income to assets | 0.3962% | 5,116 |
| Return on assets (ROA) | 0.3962% | 5,357 |
| Pretax return on assets | 0.5019% | 5,273 |
| Return on Equity (ROE) | 2.5204% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.5204% | 4,453 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2580% | 1,496 |
| Assets per employee ($millions) | 2.8270% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3789% | 6,910 |
| Loan loss allowance to noncurrent loans | 86.8421% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 5,660 |
| Noncurrent loans to loans | 0.4363% | 5,408 |
| Net loans and leases to total assets | 76.7333% | 829 |
| Net loans and leases to deposits | 91.3753% | 958 |
| Net loans and leases to core deposits | 99.8159% | 1,042 |
| Total domestic deposits to total assets | 83.9759% | 4,325 |
| Equity capital to assets | 15.9533% | 562 |
| Core capital (leverage) ratio | 15.9682% | 462 |
| Tier 1 risk-based capital ratio | 35.5652% | 331 |
| Total risk-based capital ratio | 36.2150% | 340 |
| Memoranda: | ||
| Average total assets | $11,356,800 | 7,059 |
| Average earning assets | $11,116,600 | 7,036 |
| Average equity | $1,785,400 | 6,985 |
| Average total loans | $9,043,400 | 6,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 2,297 |
| Cost of funding earning assets | 1.1372% | 917 |
| Net interest margin | 3.6871% | 3,850 |
| Noninterest income to average assets | 0.0117% | 6,904 |
| Noninterest expense to average assets | 3.0257% | 3,150 |
| Loan and lease loss provision to assets | 0.0352% | 5,331 |
| Net operating income to assets | 0.4222% | 5,149 |
| Return on assets (ROA) | 0.4222% | 5,390 |
| Pretax return on assets | 0.5629% | 5,270 |
| Return on Equity (ROE) | 2.6955% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.6955% | 4,940 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4951% | 1,644 |
| Assets per employee ($millions) | 2.8463% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3721% | 7,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 77.6021% | 776 |
| Net loans and leases to deposits | 92.2426% | 949 |
| Net loans and leases to core deposits | 100.6494% | 1,077 |
| Total domestic deposits to total assets | 84.1282% | 4,160 |
| Equity capital to assets | 15.7664% | 650 |
| Core capital (leverage) ratio | 15.7812% | 508 |
| Tier 1 risk-based capital ratio | 34.7986% | 365 |
| Total risk-based capital ratio | 35.4376% | 377 |
| Memoranda: | ||
| Average total assets | $11,369,000 | 7,156 |
| Average earning assets | $11,137,750 | 7,131 |
| Average equity | $1,780,750 | 7,079 |
| Average total loans | $9,126,750 | 6,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 2,429 |
| Cost of funding earning assets | 1.1690% | 950 |
| Net interest margin | 3.6509% | 4,032 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 2.7808% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6160% | 4,306 |
| Return on assets (ROA) | 0.6160% | 4,551 |
| Pretax return on assets | 0.7920% | 4,502 |
| Return on Equity (ROE) | 3.9414% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.9414% | 3,994 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8325% | 2,484 |
| Assets per employee ($millions) | 2.8393% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3295% | 7,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.8979% | 522 |
| Net loans and leases to deposits | 95.0954% | 689 |
| Net loans and leases to core deposits | 103.7621% | 876 |
| Total domestic deposits to total assets | 84.0187% | 4,310 |
| Equity capital to assets | 15.7964% | 622 |
| Core capital (leverage) ratio | 15.8113% | 486 |
| Tier 1 risk-based capital ratio | 33.3953% | 392 |
| Total risk-based capital ratio | 33.9531% | 406 |
| Memoranda: | ||
| Average total assets | $11,363,670 | 7,217 |
| Average earning assets | $11,120,670 | 7,192 |
| Average equity | $1,776,000 | 7,132 |
| Average total loans | $9,213,000 | 7,030 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,306 |
| Cost of funding earning assets | 1.1852% | 1,050 |
| Net interest margin | 3.6992% | 3,831 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 2.8152% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5630% | 4,529 |
| Return on assets (ROA) | 0.5630% | 4,749 |
| Pretax return on assets | 0.8094% | 4,378 |
| Return on Equity (ROE) | 3.6220% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.6220% | 4,405 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6699% | 2,542 |
| Assets per employee ($millions) | 2.8540% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3275% | 7,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 79.9667% | 405 |
| Net loans and leases to deposits | 95.8224% | 551 |
| Net loans and leases to core deposits | 104.5345% | 738 |
| Total domestic deposits to total assets | 83.4530% | 4,728 |
| Equity capital to assets | 15.5484% | 650 |
| Core capital (leverage) ratio | 15.5659% | 523 |
| Tier 1 risk-based capital ratio | 34.3780% | 354 |
| Total risk-based capital ratio | 34.9584% | 369 |
| Memoranda: | ||
| Average total assets | $11,367,000 | 7,278 |
| Average earning assets | $11,137,500 | 7,255 |
| Average equity | $1,767,000 | 7,188 |
| Average total loans | $9,267,500 | 7,092 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 2,202 |
| Cost of funding earning assets | 1.2845% | 1,557 |
| Net interest margin | 3.8803% | 3,424 |
| Noninterest income to average assets | 0.0523% | 6,824 |
| Noninterest expense to average assets | 3.1652% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5668% | 4,164 |
| Return on assets (ROA) | 0.5668% | 4,343 |
| Pretax return on assets | 0.6801% | 4,408 |
| Return on Equity (ROE) | 3.7533% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.7533% | 3,547 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3129% | 1,974 |
| Assets per employee ($millions) | 2.8295% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3200% | 7,207 |
| Loan loss allowance to noncurrent loans | 73.1707% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 6,072 |
| Noncurrent loans to loans | 0.4373% | 5,833 |
| Net loans and leases to total assets | 82.5764% | 299 |
| Net loans and leases to deposits | 98.8785% | 509 |
| Net loans and leases to core deposits | 104.6585% | 863 |
| Total domestic deposits to total assets | 83.5130% | 4,533 |
| Equity capital to assets | 15.5416% | 665 |
| Core capital (leverage) ratio | 15.5565% | 513 |
| Tier 1 risk-based capital ratio | 32.6595% | 400 |
| Total risk-based capital ratio | 33.2159% | 416 |
| Memoranda: | ||
| Average total assets | $11,468,600 | 7,320 |
| Average earning assets | $11,210,600 | 7,300 |
| Average equity | $1,731,800 | 7,248 |
| Average total loans | $9,812,000 | 7,122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 2,229 |
| Cost of funding earning assets | 1.2923% | 1,745 |
| Net interest margin | 3.9007% | 3,380 |
| Noninterest income to average assets | 0.0463% | 6,967 |
| Noninterest expense to average assets | 3.2561% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4519% | 4,766 |
| Return on assets (ROA) | 0.4519% | 4,955 |
| Pretax return on assets | 0.6025% | 4,802 |
| Return on Equity (ROE) | 3.0145% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.0145% | 4,539 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3844% | 1,696 |
| Assets per employee ($millions) | 2.8840% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3068% | 7,284 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 6,367 |
| Noncurrent loans to loans | 0.3273% | 6,199 |
| Net loans and leases to total assets | 84.5007% | 189 |
| Net loans and leases to deposits | 100.6193% | 443 |
| Net loans and leases to core deposits | 106.3264% | 847 |
| Total domestic deposits to total assets | 83.9806% | 4,239 |
| Equity capital to assets | 15.0225% | 846 |
| Core capital (leverage) ratio | 15.0373% | 656 |
| Tier 1 risk-based capital ratio | 31.2106% | 486 |
| Total risk-based capital ratio | 31.7503% | 503 |
| Memoranda: | ||
| Average total assets | $11,506,250 | 7,398 |
| Average earning assets | $11,245,750 | 7,377 |
| Average equity | $1,725,000 | 7,323 |
| Average total loans | $9,921,000 | 7,191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 2,289 |
| Cost of funding earning assets | 1.3159% | 1,846 |
| Net interest margin | 3.8765% | 3,408 |
| Noninterest income to average assets | 0.0348% | 7,102 |
| Noninterest expense to average assets | 2.7313% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9916% | 2,263 |
| Return on assets (ROA) | 0.9916% | 2,363 |
| Pretax return on assets | 1.0960% | 2,869 |
| Return on Equity (ROE) | 6.6189% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.6189% | 2,073 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3636% | 3,863 |
| Assets per employee ($millions) | 2.8680% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2984% | 7,349 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,437 |
| Noncurrent loans to loans | 0.3182% | 6,275 |
| Net loans and leases to total assets | 87.3867% | 94 |
| Net loans and leases to deposits | 103.2866% | 340 |
| Net loans and leases to core deposits | 109.1097% | 753 |
| Total domestic deposits to total assets | 84.6060% | 4,070 |
| Equity capital to assets | 15.2632% | 758 |
| Core capital (leverage) ratio | 15.2780% | 623 |
| Tier 1 risk-based capital ratio | 30.8355% | 494 |
| Total risk-based capital ratio | 31.3632% | 517 |
| Memoranda: | ||
| Average total assets | $11,496,330 | 7,472 |
| Average earning assets | $11,247,330 | 7,452 |
| Average equity | $1,722,330 | 7,395 |
| Average total loans | $9,968,670 | 7,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 1,987 |
| Cost of funding earning assets | 1.3523% | 1,875 |
| Net interest margin | 3.9146% | 3,069 |
| Noninterest income to average assets | 0.0348% | 7,200 |
| Noninterest expense to average assets | 2.6763% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0427% | 2,026 |
| Return on assets (ROA) | 1.0427% | 2,083 |
| Pretax return on assets | 1.1817% | 2,445 |
| Return on Equity (ROE) | 7.0258% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.0258% | 2,137 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3694% | 4,403 |
| Assets per employee ($millions) | 2.8673% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3034% | 7,402 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 6,486 |
| Noncurrent loans to loans | 0.3237% | 6,343 |
| Net loans and leases to total assets | 85.9447% | 131 |
| Net loans and leases to deposits | 101.2532% | 414 |
| Net loans and leases to core deposits | 106.9205% | 899 |
| Total domestic deposits to total assets | 84.8810% | 4,091 |
| Equity capital to assets | 15.0231% | 761 |
| Core capital (leverage) ratio | 15.0379% | 660 |
| Tier 1 risk-based capital ratio | 31.0308% | 473 |
| Total risk-based capital ratio | 31.5704% | 500 |
| Memoranda: | ||
| Average total assets | $11,508,500 | 7,530 |
| Average earning assets | $11,240,000 | 7,510 |
| Average equity | $1,708,000 | 7,446 |
| Average total loans | $9,925,500 | 7,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 3,216 |
| Cost of funding earning assets | 1.6031% | 2,052 |
| Net interest margin | 3.6778% | 4,452 |
| Noninterest income to average assets | 0.0829% | 6,976 |
| Noninterest expense to average assets | 3.0479% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5525% | 3,880 |
| Return on assets (ROA) | 0.5525% | 4,032 |
| Pretax return on assets | 0.6262% | 4,240 |
| Return on Equity (ROE) | 3.6019% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.6019% | 3,336 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9574% | 2,056 |
| Assets per employee ($millions) | 2.8870% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3011% | 7,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 86.0236% | 182 |
| Net loans and leases to deposits | 100.8733% | 533 |
| Net loans and leases to core deposits | 106.4167% | 1,163 |
| Total domestic deposits to total assets | 85.2788% | 3,722 |
| Equity capital to assets | 14.6605% | 870 |
| Core capital (leverage) ratio | 14.6827% | 715 |
| Tier 1 risk-based capital ratio | 30.3616% | 495 |
| Total risk-based capital ratio | 30.8987% | 511 |
| Memoranda: | ||
| Average total assets | $10,860,000 | 7,617 |
| Average earning assets | $10,604,200 | 7,598 |
| Average equity | $1,665,800 | 7,556 |
| Average total loans | $9,291,200 | 7,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 3,520 |
| Cost of funding earning assets | 1.6223% | 2,266 |
| Net interest margin | 3.6406% | 4,671 |
| Noninterest income to average assets | 0.0998% | 7,046 |
| Noninterest expense to average assets | 3.0938% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4615% | 4,484 |
| Return on assets (ROA) | 0.4615% | 4,667 |
| Pretax return on assets | 0.5614% | 4,717 |
| Return on Equity (ROE) | 2.9735% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.9735% | 4,355 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6416% | 1,769 |
| Assets per employee ($millions) | 2.8598% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3117% | 7,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 83.8797% | 336 |
| Net loans and leases to deposits | 98.3901% | 771 |
| Net loans and leases to core deposits | 101.0319% | 1,746 |
| Total domestic deposits to total assets | 85.2522% | 3,490 |
| Equity capital to assets | 14.5992% | 994 |
| Core capital (leverage) ratio | 14.6216% | 793 |
| Tier 1 risk-based capital ratio | 30.6804% | 486 |
| Total risk-based capital ratio | 31.2305% | 503 |
| Memoranda: | ||
| Average total assets | $10,688,000 | 7,718 |
| Average earning assets | $10,437,500 | 7,699 |
| Average equity | $1,659,000 | 7,657 |
| Average total loans | $9,123,000 | 7,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2898% | 3,516 |
| Cost of funding earning assets | 1.6457% | 2,411 |
| Net interest margin | 3.6441% | 4,611 |
| Noninterest income to average assets | 0.1341% | 6,917 |
| Noninterest expense to average assets | 2.8934% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7281% | 3,277 |
| Return on assets (ROA) | 0.7281% | 3,435 |
| Pretax return on assets | 0.8048% | 3,860 |
| Return on Equity (ROE) | 4.5912% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.5912% | 3,157 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2383% | 2,688 |
| Assets per employee ($millions) | 2.7043% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3278% | 7,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 84.3210% | 332 |
| Net loans and leases to deposits | 99.8905% | 737 |
| Net loans and leases to core deposits | 102.7487% | 1,761 |
| Total domestic deposits to total assets | 84.4134% | 3,911 |
| Equity capital to assets | 15.4479% | 783 |
| Core capital (leverage) ratio | 15.4713% | 638 |
| Tier 1 risk-based capital ratio | 32.3041% | 414 |
| Total risk-based capital ratio | 32.8831% | 426 |
| Memoranda: | ||
| Average total assets | $10,437,670 | 7,787 |
| Average earning assets | $10,208,330 | 7,769 |
| Average equity | $1,655,330 | 7,725 |
| Average total loans | $8,955,670 | 7,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 3,109 |
| Cost of funding earning assets | 1.6753% | 2,510 |
| Net interest margin | 3.7096% | 4,194 |
| Noninterest income to average assets | 0.2342% | 6,280 |
| Noninterest expense to average assets | 2.9664% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7806% | 3,056 |
| Return on assets (ROA) | 0.7806% | 3,164 |
| Pretax return on assets | 0.8977% | 3,480 |
| Return on Equity (ROE) | 4.8558% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.8558% | 3,237 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7677% | 3,097 |
| Assets per employee ($millions) | 2.5960% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3355% | 7,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 85.8243% | 227 |
| Net loans and leases to deposits | 104.6624% | 488 |
| Net loans and leases to core deposits | 107.8543% | 1,427 |
| Total domestic deposits to total assets | 82.0012% | 5,070 |
| Equity capital to assets | 15.9572% | 677 |
| Core capital (leverage) ratio | 15.9491% | 592 |
| Tier 1 risk-based capital ratio | 32.8506% | 411 |
| Total risk-based capital ratio | 33.4457% | 425 |
| Memoranda: | ||
| Average total assets | $10,248,000 | 7,892 |
| Average earning assets | $10,028,000 | 7,871 |
| Average equity | $1,647,500 | 7,810 |
| Average total loans | $8,858,000 | 7,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 3,533 |
| Cost of funding earning assets | 2.1835% | 2,103 |
| Net interest margin | 3.4311% | 5,250 |
| Noninterest income to average assets | 0.1416% | 7,032 |
| Noninterest expense to average assets | 3.1055% | 3,714 |
| Loan and lease loss provision to assets | 0.0202% | 7,301 |
| Net operating income to assets | 0.3743% | 4,233 |
| Return on assets (ROA) | 0.3743% | 4,331 |
| Pretax return on assets | 0.3540% | 4,628 |
| Return on Equity (ROE) | 2.2845% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.2845% | 3,516 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2442% | 1,771 |
| Assets per employee ($millions) | 2.5280% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 7,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 86.4715% | 250 |
| Net loans and leases to deposits | 104.6308% | 617 |
| Net loans and leases to core deposits | 131.4294% | 1,201 |
| Total domestic deposits to total assets | 82.6444% | 4,682 |
| Equity capital to assets | 16.1986% | 670 |
| Core capital (leverage) ratio | 16.1820% | 592 |
| Tier 1 risk-based capital ratio | 33.1577% | 406 |
| Total risk-based capital ratio | 33.7657% | 414 |
| Memoranda: | ||
| Average total assets | $9,885,800 | 7,968 |
| Average earning assets | $9,617,800 | 7,948 |
| Average equity | $1,619,600 | 7,903 |
| Average total loans | $8,156,200 | 7,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 3,465 |
| Cost of funding earning assets | 2.2914% | 2,012 |
| Net interest margin | 3.3812% | 5,345 |
| Noninterest income to average assets | 0.1763% | 6,953 |
| Noninterest expense to average assets | 3.0927% | 3,671 |
| Loan and lease loss provision to assets | 0.0272% | 7,080 |
| Net operating income to assets | 0.3663% | 4,527 |
| Return on assets (ROA) | 0.3663% | 4,631 |
| Pretax return on assets | 0.3391% | 4,958 |
| Return on Equity (ROE) | 2.2291% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.2291% | 4,081 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4118% | 1,744 |
| Assets per employee ($millions) | 2.5418% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3503% | 7,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 83.9284% | 549 |
| Net loans and leases to deposits | 101.3300% | 985 |
| Net loans and leases to core deposits | 126.8470% | 1,668 |
| Total domestic deposits to total assets | 82.8268% | 4,313 |
| Equity capital to assets | 16.0224% | 789 |
| Core capital (leverage) ratio | 15.9976% | 675 |
| Tier 1 risk-based capital ratio | 33.0959% | 438 |
| Total risk-based capital ratio | 33.7065% | 447 |
| Memoranda: | ||
| Average total assets | $9,829,250 | 8,055 |
| Average earning assets | $9,542,750 | 8,029 |
| Average equity | $1,615,000 | 7,990 |
| Average total loans | $8,001,750 | 7,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8114% | 2,993 |
| Cost of funding earning assets | 2.4055% | 1,950 |
| Net interest margin | 3.4059% | 5,139 |
| Noninterest income to average assets | 0.2470% | 6,514 |
| Noninterest expense to average assets | 2.9846% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4940% | 4,109 |
| Return on assets (ROA) | 0.4940% | 4,234 |
| Pretax return on assets | 0.5557% | 4,452 |
| Return on Equity (ROE) | 2.9808% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.9808% | 3,663 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3023% | 2,445 |
| Assets per employee ($millions) | 2.4510% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 7,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.6397% | 840 |
| Net loans and leases to deposits | 100.4463% | 1,243 |
| Net loans and leases to core deposits | 118.5890% | 2,491 |
| Total domestic deposits to total assets | 82.2725% | 4,582 |
| Equity capital to assets | 16.5341% | 743 |
| Core capital (leverage) ratio | 16.5426% | 670 |
| Tier 1 risk-based capital ratio | 34.9193% | 420 |
| Total risk-based capital ratio | 35.5221% | 430 |
| Memoranda: | ||
| Average total assets | $9,716,670 | 8,149 |
| Average earning assets | $9,395,330 | 8,121 |
| Average equity | $1,610,330 | 8,070 |
| Average total loans | $7,814,670 | 7,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 2,636 |
| Cost of funding earning assets | 2.5364% | 1,780 |
| Net interest margin | 3.3962% | 5,154 |
| Noninterest income to average assets | 0.4135% | 5,107 |
| Noninterest expense to average assets | 3.0601% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6203% | 3,939 |
| Return on assets (ROA) | 0.6203% | 4,124 |
| Pretax return on assets | 0.6203% | 4,694 |
| Return on Equity (ROE) | 3.7383% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.7383% | 3,822 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1461% | 2,395 |
| Assets per employee ($millions) | 2.3625% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3710% | 7,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.5661% | 1,465 |
| Net loans and leases to deposits | 97.3585% | 1,759 |
| Net loans and leases to core deposits | 112.2742% | 3,189 |
| Total domestic deposits to total assets | 81.7249% | 4,668 |
| Equity capital to assets | 17.0688% | 715 |
| Core capital (leverage) ratio | 17.0776% | 641 |
| Tier 1 risk-based capital ratio | 36.6402% | 387 |
| Total risk-based capital ratio | 37.2758% | 399 |
| Memoranda: | ||
| Average total assets | $9,673,000 | 8,198 |
| Average earning assets | $9,304,500 | 8,171 |
| Average equity | $1,605,000 | 8,131 |
| Average total loans | $7,657,000 | 8,006 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 5,187 |
| Cost of funding earning assets | 3.2416% | 1,063 |
| Net interest margin | 2.8312% | 7,281 |
| Noninterest income to average assets | 0.0205% | 8,029 |
| Noninterest expense to average assets | 3.0025% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2459% | 6,677 |
| Return on assets (ROA) | -0.2459% | 6,519 |
| Pretax return on assets | -0.2254% | 6,390 |
| Return on Equity (ROE) | -1.4627% | 6,429 |
| Retained earnings to average equity (ytd only) | -1.4627% | 5,727 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1181% | 756 |
| Assets per employee ($millions) | 2.4740% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3605% | 8,034 |
| Loan loss allowance to noncurrent loans | 215.3846% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 7,061 |
| Noncurrent loans to loans | 0.1674% | 6,894 |
| Net loans and leases to total assets | 78.2033% | 2,084 |
| Net loans and leases to deposits | 94.5741% | 2,679 |
| Net loans and leases to core deposits | 113.6918% | 3,374 |
| Total domestic deposits to total assets | 82.6900% | 3,899 |
| Equity capital to assets | 16.1378% | 907 |
| Core capital (leverage) ratio | 16.1463% | 803 |
| Tier 1 risk-based capital ratio | 34.9442% | 445 |
| Total risk-based capital ratio | 35.5565% | 461 |
| Memoranda: | ||
| Average total assets | $9,758,600 | 8,252 |
| Average earning assets | $9,501,400 | 8,226 |
| Average equity | $1,640,800 | 8,189 |
| Average total loans | $7,861,000 | 8,041 |