Home > Oak Creek Valley Bank > Performance and Condition Ratios
Oak Creek Valley Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 1,686 |
| Cost of funding earning assets | 1.1797% | 1,051 |
| Net interest margin | 3.7438% | 2,779 |
| Noninterest income to average assets | 0.3814% | 3,392 |
| Noninterest expense to average assets | 2.1955% | 4,232 |
| Loan and lease loss provision to assets | 0.3721% | 339 |
| Net operating income to assets | 1.2606% | 1,916 |
| Return on assets (ROA) | 1.2606% | 1,981 |
| Pretax return on assets | 1.2606% | 2,710 |
| Return on Equity (ROE) | 8.1914% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.8766% | 4,815 |
| Net charge-offs to loans | 0.7151% | 208 |
| Credit loss provision to net charge-offs | 83.7696% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.6754% | 2,808 |
| Efficiency ratio | 52.0049% | 4,654 |
| Assets per employee ($millions) | 7.1971% | 918 |
| Cash dividends to net income (ytd only)* | 110.7011% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,395 |
| Loan loss allowance to noncurrent loans | 64.6078% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,135 |
| Noncurrent loans to loans | 1.8948% | 785 |
| Net loans and leases to total assets | 61.5678% | 3,595 |
| Net loans and leases to deposits | 84.5734% | 2,426 |
| Net loans and leases to core deposits | 88.6438% | 2,734 |
| Total domestic deposits to total assets | 72.7980% | 4,920 |
| Equity capital to assets | 15.7587% | 661 |
| Core capital (leverage) ratio | 11.3659% | 2,281 |
| Tier 1 risk-based capital ratio | 14.8608% | 2,892 |
| Total risk-based capital ratio | 15.8922% | 2,923 |
| Memoranda: | ||
| Average total assets | $85,993,670 | 4,284 |
| Average earning assets | $79,170,000 | 4,280 |
| Average equity | $13,233,330 | 3,897 |
| Average total loans | $53,417,000 | 4,189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 1,526 |
| Cost of funding earning assets | 1.1519% | 1,040 |
| Net interest margin | 3.7755% | 2,613 |
| Noninterest income to average assets | 0.0979% | 5,085 |
| Noninterest expense to average assets | 2.1443% | 4,385 |
| Loan and lease loss provision to assets | 0.1398% | 1,230 |
| Net operating income to assets | 1.2819% | 1,767 |
| Return on assets (ROA) | 1.2819% | 1,812 |
| Pretax return on assets | 1.2819% | 2,524 |
| Return on Equity (ROE) | 8.4323% | 3,067 |
| Retained earnings to average equity (ytd only) | -9.9655% | 5,107 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2484% | 4,512 |
| Assets per employee ($millions) | 7.8318% | 710 |
| Cash dividends to net income (ytd only)* | 218.1818% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 1,891 |
| Loan loss allowance to noncurrent loans | 24,000.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,874 |
| Noncurrent loans to loans | 0.0056% | 4,778 |
| Net loans and leases to total assets | 61.3175% | 3,568 |
| Net loans and leases to deposits | 87.1182% | 1,987 |
| Net loans and leases to core deposits | 91.4639% | 2,349 |
| Total domestic deposits to total assets | 70.3842% | 5,097 |
| Equity capital to assets | 15.2571% | 697 |
| Core capital (leverage) ratio | 11.1153% | 2,461 |
| Tier 1 risk-based capital ratio | 14.1099% | 3,291 |
| Total risk-based capital ratio | 15.2160% | 3,271 |
| Memoranda: | ||
| Average total assets | $85,808,000 | 4,330 |
| Average earning assets | $78,825,000 | 4,328 |
| Average equity | $13,045,000 | 3,941 |
| Average total loans | $53,209,500 | 4,236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 1,609 |
| Cost of funding earning assets | 0.9263% | 1,005 |
| Net interest margin | 3.8447% | 2,523 |
| Noninterest income to average assets | 0.2636% | 4,352 |
| Noninterest expense to average assets | 2.0982% | 4,569 |
| Loan and lease loss provision to assets | 0.1445% | 1,486 |
| Net operating income to assets | 1.5385% | 1,023 |
| Return on assets (ROA) | 1.5385% | 1,014 |
| Pretax return on assets | 1.5385% | 1,657 |
| Return on Equity (ROE) | 9.9977% | 2,517 |
| Retained earnings to average equity (ytd only) | 2.1748% | 4,286 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3473% | 4,978 |
| Assets per employee ($millions) | 7.7696% | 716 |
| Cash dividends to net income (ytd only)* | 78.2473% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,015 |
| Loan loss allowance to noncurrent loans | 683.1683% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,237 |
| Noncurrent loans to loans | 0.1910% | 3,887 |
| Net loans and leases to total assets | 61.0582% | 3,658 |
| Net loans and leases to deposits | 87.6158% | 2,100 |
| Net loans and leases to core deposits | 91.9671% | 2,409 |
| Total domestic deposits to total assets | 69.6885% | 5,163 |
| Equity capital to assets | 15.1475% | 681 |
| Core capital (leverage) ratio | 11.7264% | 1,929 |
| Tier 1 risk-based capital ratio | 14.3775% | 3,122 |
| Total risk-based capital ratio | 15.4256% | 3,140 |
| Memoranda: | ||
| Average total assets | $83,069,800 | 4,375 |
| Average earning assets | $76,001,600 | 4,380 |
| Average equity | $12,783,000 | 3,917 |
| Average total loans | $51,861,000 | 4,272 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 1,593 |
| Cost of funding earning assets | 0.8749% | 1,014 |
| Net interest margin | 3.8565% | 2,452 |
| Noninterest income to average assets | 0.2959% | 4,168 |
| Noninterest expense to average assets | 2.1405% | 4,451 |
| Loan and lease loss provision to assets | 0.1455% | 1,365 |
| Net operating income to assets | 1.5375% | 1,102 |
| Return on assets (ROA) | 1.5375% | 1,100 |
| Pretax return on assets | 1.5375% | 1,777 |
| Return on Equity (ROE) | 9.9509% | 2,644 |
| Retained earnings to average equity (ytd only) | 3.6727% | 3,933 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7252% | 4,957 |
| Assets per employee ($millions) | 7.7346% | 707 |
| Cash dividends to net income (ytd only)* | 63.0914% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,475 |
| Loan loss allowance to noncurrent loans | 680.4124% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,402 |
| Noncurrent loans to loans | 0.1803% | 4,082 |
| Net loans and leases to total assets | 62.4734% | 3,604 |
| Net loans and leases to deposits | 88.1915% | 2,130 |
| Net loans and leases to core deposits | 92.1276% | 2,473 |
| Total domestic deposits to total assets | 70.8384% | 5,189 |
| Equity capital to assets | 14.9646% | 731 |
| Core capital (leverage) ratio | 11.8821% | 1,855 |
| Tier 1 risk-based capital ratio | 14.5902% | 3,067 |
| Total risk-based capital ratio | 15.6046% | 3,100 |
| Memoranda: | ||
| Average total assets | $82,470,750 | 4,433 |
| Average earning assets | $75,437,750 | 4,439 |
| Average equity | $12,742,250 | 3,949 |
| Average total loans | $51,607,750 | 4,323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 1,514 |
| Cost of funding earning assets | 0.8235% | 1,029 |
| Net interest margin | 3.8761% | 2,283 |
| Noninterest income to average assets | 0.3823% | 3,603 |
| Noninterest expense to average assets | 2.2475% | 4,266 |
| Loan and lease loss provision to assets | 0.1471% | 1,295 |
| Net operating income to assets | 1.5294% | 1,078 |
| Return on assets (ROA) | 1.5564% | 1,025 |
| Pretax return on assets | 1.5564% | 1,641 |
| Return on Equity (ROE) | 9.9642% | 2,575 |
| Retained earnings to average equity (ytd only) | 0.5492% | 4,850 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9057% | 4,969 |
| Assets per employee ($millions) | 6.7942% | 1,019 |
| Cash dividends to net income (ytd only)* | 94.4882% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,505 |
| Loan loss allowance to noncurrent loans | 2,863.6364% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,891 |
| Noncurrent loans to loans | 0.0432% | 4,727 |
| Net loans and leases to total assets | 61.6583% | 3,641 |
| Net loans and leases to deposits | 80.3382% | 2,913 |
| Net loans and leases to core deposits | 84.1240% | 3,070 |
| Total domestic deposits to total assets | 76.7484% | 4,763 |
| Equity capital to assets | 15.7230% | 549 |
| Core capital (leverage) ratio | 11.7766% | 1,853 |
| Tier 1 risk-based capital ratio | 14.8854% | 2,929 |
| Total risk-based capital ratio | 15.9124% | 2,959 |
| Memoranda: | ||
| Average total assets | $81,600,670 | 4,485 |
| Average earning assets | $74,560,330 | 4,494 |
| Average equity | $12,745,670 | 3,971 |
| Average total loans | $50,872,670 | 4,380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,465 |
| Cost of funding earning assets | 0.7813% | 1,035 |
| Net interest margin | 3.8580% | 2,203 |
| Noninterest income to average assets | 0.0833% | 5,386 |
| Noninterest expense to average assets | 2.1951% | 4,431 |
| Loan and lease loss provision to assets | 0.1470% | 1,252 |
| Net operating income to assets | 1.2494% | 1,808 |
| Return on assets (ROA) | 1.2494% | 1,821 |
| Pretax return on assets | 1.2494% | 2,558 |
| Return on Equity (ROE) | 8.0258% | 3,352 |
| Retained earnings to average equity (ytd only) | -10.8584% | 5,389 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0246% | 4,794 |
| Assets per employee ($millions) | 6.7551% | 1,064 |
| Cash dividends to net income (ytd only)* | 235.2941% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,857 |
| Loan loss allowance to noncurrent loans | 487.8049% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,323 |
| Noncurrent loans to loans | 0.2443% | 3,892 |
| Net loans and leases to total assets | 61.3834% | 3,615 |
| Net loans and leases to deposits | 79.2502% | 2,894 |
| Net loans and leases to core deposits | 82.9507% | 3,067 |
| Total domestic deposits to total assets | 77.4552% | 4,809 |
| Equity capital to assets | 15.2330% | 619 |
| Core capital (leverage) ratio | 11.1450% | 2,286 |
| Tier 1 risk-based capital ratio | 14.2234% | 3,266 |
| Total risk-based capital ratio | 15.2041% | 3,319 |
| Memoranda: | ||
| Average total assets | $81,636,000 | 4,539 |
| Average earning assets | $74,235,000 | 4,549 |
| Average equity | $12,709,000 | 4,015 |
| Average total loans | $50,859,000 | 4,424 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,314 |
| Cost of funding earning assets | 0.7207% | 922 |
| Net interest margin | 3.9276% | 2,000 |
| Noninterest income to average assets | 0.2767% | 4,476 |
| Noninterest expense to average assets | 2.1401% | 4,676 |
| Loan and lease loss provision to assets | 0.2296% | 850 |
| Net operating income to assets | 1.4960% | 809 |
| Return on assets (ROA) | 1.4960% | 830 |
| Pretax return on assets | 1.4960% | 1,658 |
| Return on Equity (ROE) | 9.6820% | 2,018 |
| Retained earnings to average equity (ytd only) | 1.8613% | 4,197 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4526% | 5,290 |
| Assets per employee ($millions) | 7.4737% | 779 |
| Cash dividends to net income (ytd only)* | 80.7754% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,293 |
| Loan loss allowance to noncurrent loans | 234.5679% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,700 |
| Noncurrent loans to loans | 0.4731% | 3,089 |
| Net loans and leases to total assets | 61.7801% | 3,650 |
| Net loans and leases to deposits | 81.9537% | 2,720 |
| Net loans and leases to core deposits | 85.7925% | 2,921 |
| Total domestic deposits to total assets | 75.3841% | 5,045 |
| Equity capital to assets | 15.8981% | 530 |
| Core capital (leverage) ratio | 11.4701% | 1,957 |
| Tier 1 risk-based capital ratio | 15.1850% | 2,756 |
| Total risk-based capital ratio | 16.1300% | 2,839 |
| Memoranda: | ||
| Average total assets | $82,755,000 | 4,538 |
| Average earning assets | $75,618,000 | 4,547 |
| Average equity | $12,786,600 | 4,018 |
| Average total loans | $50,998,600 | 4,432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,419 |
| Cost of funding earning assets | 0.6958% | 985 |
| Net interest margin | 3.8849% | 2,090 |
| Noninterest income to average assets | 0.3201% | 4,245 |
| Noninterest expense to average assets | 2.1393% | 4,654 |
| Loan and lease loss provision to assets | 0.2574% | 664 |
| Net operating income to assets | 1.4798% | 934 |
| Return on assets (ROA) | 1.4798% | 952 |
| Pretax return on assets | 1.4798% | 1,843 |
| Return on Equity (ROE) | 9.6466% | 2,283 |
| Retained earnings to average equity (ytd only) | 3.3554% | 3,932 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2199% | 5,379 |
| Assets per employee ($millions) | 8.6035% | 501 |
| Cash dividends to net income (ytd only)* | 65.2172% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,987 |
| Loan loss allowance to noncurrent loans | 372.4138% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,430 |
| Noncurrent loans to loans | 0.2722% | 3,979 |
| Net loans and leases to total assets | 61.2913% | 3,739 |
| Net loans and leases to deposits | 87.6020% | 2,116 |
| Net loans and leases to core deposits | 91.8468% | 2,454 |
| Total domestic deposits to total assets | 69.9657% | 5,479 |
| Equity capital to assets | 15.4019% | 648 |
| Core capital (leverage) ratio | 11.4135% | 2,089 |
| Tier 1 risk-based capital ratio | 14.6151% | 3,121 |
| Total risk-based capital ratio | 15.4731% | 3,241 |
| Memoranda: | ||
| Average total assets | $82,891,000 | 4,579 |
| Average earning assets | $75,882,000 | 4,588 |
| Average equity | $12,715,750 | 4,066 |
| Average total loans | $50,908,250 | 4,480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,422 |
| Cost of funding earning assets | 0.6530% | 1,123 |
| Net interest margin | 3.8833% | 1,992 |
| Noninterest income to average assets | 0.4276% | 3,505 |
| Noninterest expense to average assets | 2.1822% | 4,592 |
| Loan and lease loss provision to assets | 0.2932% | 529 |
| Net operating income to assets | 1.5127% | 839 |
| Return on assets (ROA) | 1.5127% | 866 |
| Pretax return on assets | 1.5127% | 1,593 |
| Return on Equity (ROE) | 9.8745% | 2,092 |
| Retained earnings to average equity (ytd only) | 0.3031% | 5,014 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5490% | 5,412 |
| Assets per employee ($millions) | 8.2810% | 553 |
| Cash dividends to net income (ytd only)* | 96.9305% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,268 |
| Loan loss allowance to noncurrent loans | 340.1361% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,471 |
| Noncurrent loans to loans | 0.2878% | 4,012 |
| Net loans and leases to total assets | 61.0699% | 3,739 |
| Net loans and leases to deposits | 81.3146% | 2,765 |
| Net loans and leases to core deposits | 84.7343% | 2,988 |
| Total domestic deposits to total assets | 75.1032% | 5,190 |
| Equity capital to assets | 15.6479% | 584 |
| Core capital (leverage) ratio | 11.2028% | 2,218 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,053 |
| Total risk-based capital ratio | 15.5543% | 3,186 |
| Memoranda: | ||
| Average total assets | $81,843,000 | 4,632 |
| Average earning assets | $75,039,330 | 4,635 |
| Average equity | $12,537,330 | 4,103 |
| Average total loans | $50,120,330 | 4,524 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,340 |
| Cost of funding earning assets | 0.6842% | 910 |
| Net interest margin | 3.8304% | 2,015 |
| Noninterest income to average assets | 0.1327% | 5,453 |
| Noninterest expense to average assets | 2.2075% | 4,621 |
| Loan and lease loss provision to assets | 0.2950% | 470 |
| Net operating income to assets | 1.1259% | 1,770 |
| Return on assets (ROA) | 1.1259% | 1,804 |
| Pretax return on assets | 1.1259% | 2,879 |
| Return on Equity (ROE) | 7.4308% | 3,197 |
| Retained earnings to average equity (ytd only) | -12.0386% | 5,622 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8455% | 5,217 |
| Assets per employee ($millions) | 8.1475% | 580 |
| Cash dividends to net income (ytd only)* | 262.0087% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,822 |
| Loan loss allowance to noncurrent loans | 165.4135% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,892 |
| Noncurrent loans to loans | 0.5341% | 3,209 |
| Net loans and leases to total assets | 60.5904% | 3,719 |
| Net loans and leases to deposits | 79.0412% | 2,856 |
| Net loans and leases to core deposits | 82.0020% | 3,097 |
| Total domestic deposits to total assets | 76.6566% | 5,156 |
| Equity capital to assets | 14.9972% | 657 |
| Core capital (leverage) ratio | 10.9534% | 2,405 |
| Tier 1 risk-based capital ratio | 14.6004% | 3,155 |
| Total risk-based capital ratio | 15.3634% | 3,331 |
| Memoranda: | ||
| Average total assets | $81,359,500 | 4,687 |
| Average earning assets | $74,248,500 | 4,699 |
| Average equity | $12,327,000 | 4,159 |
| Average total loans | $49,644,500 | 4,575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 1,734 |
| Cost of funding earning assets | 0.5739% | 1,520 |
| Net interest margin | 3.8596% | 2,101 |
| Noninterest income to average assets | 0.2965% | 4,620 |
| Noninterest expense to average assets | 2.1147% | 4,978 |
| Loan and lease loss provision to assets | 0.2965% | 642 |
| Net operating income to assets | 1.3909% | 1,025 |
| Return on assets (ROA) | 1.3909% | 1,059 |
| Pretax return on assets | 1.3909% | 1,979 |
| Return on Equity (ROE) | 8.9693% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,354 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4659% | 5,596 |
| Assets per employee ($millions) | 8.1244% | 576 |
| Cash dividends to net income (ytd only)* | 44.4050% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 5,190 |
| Loan loss allowance to noncurrent loans | 142.3221% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,965 |
| Noncurrent loans to loans | 0.5396% | 3,233 |
| Net loans and leases to total assets | 60.4389% | 3,801 |
| Net loans and leases to deposits | 80.0858% | 2,878 |
| Net loans and leases to core deposits | 83.1367% | 3,114 |
| Total domestic deposits to total assets | 75.4677% | 5,299 |
| Equity capital to assets | 15.3057% | 597 |
| Core capital (leverage) ratio | 11.3048% | 2,080 |
| Tier 1 risk-based capital ratio | 14.9323% | 2,994 |
| Total risk-based capital ratio | 15.5663% | 3,201 |
| Memoranda: | ||
| Average total assets | $80,955,800 | 4,717 |
| Average earning assets | $73,530,600 | 4,726 |
| Average equity | $12,554,000 | 4,163 |
| Average total loans | $49,278,000 | 4,593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,885 |
| Cost of funding earning assets | 0.5695% | 1,547 |
| Net interest margin | 3.8214% | 2,257 |
| Noninterest income to average assets | 0.3297% | 4,428 |
| Noninterest expense to average assets | 2.1611% | 4,862 |
| Loan and lease loss provision to assets | 0.2967% | 574 |
| Net operating income to assets | 1.3451% | 1,179 |
| Return on assets (ROA) | 1.3451% | 1,256 |
| Pretax return on assets | 1.3451% | 2,253 |
| Return on Equity (ROE) | 8.6458% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.3481% | 3,887 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5479% | 5,574 |
| Assets per employee ($millions) | 8.4429% | 494 |
| Cash dividends to net income (ytd only)* | 61.2747% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 5,592 |
| Loan loss allowance to noncurrent loans | 117.6471% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 4,113 |
| Noncurrent loans to loans | 0.5181% | 3,440 |
| Net loans and leases to total assets | 61.8070% | 3,655 |
| Net loans and leases to deposits | 84.8159% | 2,392 |
| Net loans and leases to core deposits | 91.1032% | 2,473 |
| Total domestic deposits to total assets | 72.8719% | 5,534 |
| Equity capital to assets | 15.3443% | 661 |
| Core capital (leverage) ratio | 10.9895% | 2,456 |
| Tier 1 risk-based capital ratio | 13.9032% | 3,608 |
| Total risk-based capital ratio | 14.4203% | 3,958 |
| Memoranda: | ||
| Average total assets | $80,883,750 | 4,757 |
| Average earning assets | $73,513,750 | 4,766 |
| Average equity | $12,583,750 | 4,197 |
| Average total loans | $49,226,750 | 4,641 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,068 |
| Cost of funding earning assets | 0.5612% | 1,604 |
| Net interest margin | 3.7654% | 2,455 |
| Noninterest income to average assets | 0.4366% | 3,627 |
| Noninterest expense to average assets | 2.2408% | 4,753 |
| Loan and lease loss provision to assets | 0.3011% | 597 |
| Net operating income to assets | 1.3124% | 1,243 |
| Return on assets (ROA) | 1.3124% | 1,334 |
| Pretax return on assets | 1.3124% | 2,358 |
| Return on Equity (ROE) | 8.3949% | 2,799 |
| Retained earnings to average equity (ytd only) | 0.3692% | 5,193 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4141% | 5,599 |
| Assets per employee ($millions) | 8.0688% | 545 |
| Cash dividends to net income (ytd only)* | 95.6023% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5201% | 5,778 |
| Loan loss allowance to noncurrent loans | 95.5882% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 4,144 |
| Noncurrent loans to loans | 0.5441% | 3,437 |
| Net loans and leases to total assets | 61.6287% | 3,664 |
| Net loans and leases to deposits | 79.5925% | 2,983 |
| Net loans and leases to core deposits | 82.5536% | 3,219 |
| Total domestic deposits to total assets | 77.4303% | 5,092 |
| Equity capital to assets | 15.8152% | 576 |
| Core capital (leverage) ratio | 10.9394% | 2,502 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,555 |
| Total risk-based capital ratio | 14.5254% | 3,947 |
| Memoranda: | ||
| Average total assets | $79,702,000 | 4,824 |
| Average earning assets | $72,343,670 | 4,835 |
| Average equity | $12,460,000 | 4,239 |
| Average total loans | $48,134,670 | 4,709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,130 |
| Cost of funding earning assets | 0.5811% | 1,471 |
| Net interest margin | 3.7216% | 2,587 |
| Noninterest income to average assets | 0.1565% | 5,552 |
| Noninterest expense to average assets | 2.2321% | 4,827 |
| Loan and lease loss provision to assets | 0.3030% | 515 |
| Net operating income to assets | 0.9847% | 2,348 |
| Return on assets (ROA) | 0.9847% | 2,463 |
| Pretax return on assets | 0.9847% | 3,536 |
| Return on Equity (ROE) | 6.3366% | 3,811 |
| Retained earnings to average equity (ytd only) | -9.9110% | 5,800 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8020% | 5,399 |
| Assets per employee ($millions) | 8.7346% | 433 |
| Cash dividends to net income (ytd only)* | 256.4103% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4108% | 5,939 |
| Loan loss allowance to noncurrent loans | 128.2051% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 4,766 |
| Noncurrent loans to loans | 0.3204% | 4,284 |
| Net loans and leases to total assets | 61.6746% | 3,571 |
| Net loans and leases to deposits | 75.5587% | 3,270 |
| Net loans and leases to core deposits | 78.6117% | 3,432 |
| Total domestic deposits to total assets | 81.6247% | 4,322 |
| Equity capital to assets | 15.5042% | 601 |
| Core capital (leverage) ratio | 10.5639% | 2,892 |
| Tier 1 risk-based capital ratio | 13.6163% | 3,918 |
| Total risk-based capital ratio | 13.9606% | 4,364 |
| Memoranda: | ||
| Average total assets | $79,209,000 | 4,873 |
| Average earning assets | $71,583,000 | 4,884 |
| Average equity | $12,309,500 | 4,283 |
| Average total loans | $47,208,500 | 4,757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6324% | 5,952 |
| Cost of funding earning assets | 0.3498% | 3,701 |
| Net interest margin | 2.2826% | 5,953 |
| Noninterest income to average assets | 0.1013% | 5,873 |
| Noninterest expense to average assets | 1.3805% | 6,043 |
| Loan and lease loss provision to assets | 0.1818% | 1,247 |
| Net operating income to assets | 0.6662% | 3,970 |
| Return on assets (ROA) | 0.6675% | 4,050 |
| Pretax return on assets | 0.6675% | 4,622 |
| Return on Equity (ROE) | 4.5778% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.5778% | 2,722 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9464% | 4,612 |
| Assets per employee ($millions) | 8.8674% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3061% | 6,054 |
| Loan loss allowance to noncurrent loans | 89.7436% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 4,817 |
| Noncurrent loans to loans | 0.3411% | 4,239 |
| Net loans and leases to total assets | 57.1303% | 4,181 |
| Net loans and leases to deposits | 69.0850% | 4,022 |
| Net loans and leases to core deposits | 72.6482% | 4,076 |
| Total domestic deposits to total assets | 82.6958% | 3,944 |
| Equity capital to assets | 15.5763% | 584 |
| Core capital (leverage) ratio | 10.9985% | 2,411 |
| Tier 1 risk-based capital ratio | 15.1644% | 3,097 |
| Total risk-based capital ratio | 15.4162% | 3,540 |
| Memoranda: | ||
| Average total assets | $77,002,800 | 4,927 |
| Average earning assets | $71,758,800 | 4,899 |
| Average equity | $11,228,200 | 4,436 |
| Average total loans | $47,218,800 | 4,751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0189% | 6,188 |
| Cost of funding earning assets | 0.2640% | 4,731 |
| Net interest margin | 1.7550% | 6,176 |
| Noninterest income to average assets | 0.0647% | 6,058 |
| Noninterest expense to average assets | 0.9698% | 6,215 |
| Loan and lease loss provision to assets | 0.1398% | 1,588 |
| Net operating income to assets | 0.6046% | 4,362 |
| Return on assets (ROA) | 0.6046% | 4,466 |
| Pretax return on assets | 0.6046% | 4,962 |
| Return on Equity (ROE) | 4.2216% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.2216% | 3,462 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5749% | 5,277 |
| Assets per employee ($millions) | 7.4794% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1564% | 6,186 |
| Loan loss allowance to noncurrent loans | 29.3040% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 4,438 |
| Noncurrent loans to loans | 0.5336% | 3,743 |
| Net loans and leases to total assets | 62.0884% | 3,591 |
| Net loans and leases to deposits | 83.2361% | 2,498 |
| Net loans and leases to core deposits | 87.4857% | 2,708 |
| Total domestic deposits to total assets | 74.5931% | 5,652 |
| Equity capital to assets | 14.7205% | 801 |
| Core capital (leverage) ratio | 10.7756% | 2,739 |
| Tier 1 risk-based capital ratio | 13.8332% | 3,952 |
| Total risk-based capital ratio | 13.9676% | 4,510 |
| Memoranda: | ||
| Average total assets | $76,301,750 | 4,997 |
| Average earning assets | $71,718,500 | 4,957 |
| Average equity | $10,927,500 | 4,549 |
| Average total loans | $47,590,000 | 4,792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7312% | 6,324 |
| Cost of funding earning assets | 0.0907% | 6,161 |
| Net interest margin | 0.6405% | 6,324 |
| Noninterest income to average assets | 0.0296% | 6,216 |
| Noninterest expense to average assets | 0.3041% | 6,336 |
| Loan and lease loss provision to assets | 0.0538% | 3,040 |
| Net operating income to assets | 0.2799% | 5,498 |
| Return on assets (ROA) | 0.2799% | 5,587 |
| Pretax return on assets | 0.2799% | 5,691 |
| Return on Equity (ROE) | 1.9747% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.9747% | 4,715 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6793% | 5,977 |
| Assets per employee ($millions) | 7.2645% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0411% | 6,283 |
| Loan loss allowance to noncurrent loans | 7.3260% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 4,512 |
| Noncurrent loans to loans | 0.5614% | 3,770 |
| Net loans and leases to total assets | 60.8259% | 3,710 |
| Net loans and leases to deposits | 76.8025% | 3,180 |
| Net loans and leases to core deposits | 79.2752% | 3,465 |
| Total domestic deposits to total assets | 79.1978% | 5,052 |
| Equity capital to assets | 14.4638% | 828 |
| Core capital (leverage) ratio | 11.4798% | 2,010 |
| Tier 1 risk-based capital ratio | 15.0898% | 3,305 |
| Total risk-based capital ratio | 15.1276% | 3,925 |
| Memoranda: | ||
| Average total assets | $74,311,330 | 5,096 |
| Average earning assets | $70,565,670 | 5,028 |
| Average equity | $10,533,000 | 4,645 |
| Average total loans | $46,399,330 | 4,878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 1,748 |
| Cost of funding earning assets | 0.5825% | 1,563 |
| Net interest margin | 3.8234% | 2,157 |
| Noninterest income to average assets | 0.2293% | 5,316 |
| Noninterest expense to average assets | 1.3257% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.6121% | 125 |
| Return on assets (ROA) | 2.6233% | 133 |
| Pretax return on assets | 2.6233% | 203 |
| Return on Equity (ROE) | 18.7216% | 334 |
| Retained earnings to average equity (ytd only) | 18.7216% | 125 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6648% | 6,341 |
| Assets per employee ($millions) | 7.1367% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 5,484 |
| Loan loss allowance to noncurrent loans | 569.4444% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 5,547 |
| Noncurrent loans to loans | 0.1552% | 5,218 |
| Net loans and leases to total assets | 64.4261% | 3,037 |
| Net loans and leases to deposits | 80.4476% | 2,516 |
| Net loans and leases to core deposits | 83.3179% | 2,834 |
| Total domestic deposits to total assets | 80.0846% | 5,030 |
| Equity capital to assets | 14.3890% | 865 |
| Core capital (leverage) ratio | 13.7818% | 890 |
| Tier 1 risk-based capital ratio | 19.8960% | 1,656 |
| Total risk-based capital ratio | 20.7356% | 1,695 |
| Memoranda: | ||
| Average total assets | $71,512,000 | 5,218 |
| Average earning assets | $69,361,500 | 5,110 |
| Average equity | $10,020,500 | 4,778 |
| Average total loans | $45,286,000 | 4,943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 1,582 |
| Cost of funding earning assets | 0.5951% | 1,803 |
| Net interest margin | 3.9967% | 1,907 |
| Noninterest income to average assets | 0.3313% | 4,742 |
| Noninterest expense to average assets | 1.9392% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.2387% | 205 |
| Return on assets (ROA) | 2.3091% | 192 |
| Pretax return on assets | 2.3091% | 263 |
| Return on Equity (ROE) | 19.0995% | 307 |
| Retained earnings to average equity (ytd only) | 11.5647% | 331 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4156% | 6,252 |
| Assets per employee ($millions) | 7.1657% | 775 |
| Cash dividends to net income (ytd only)* | 39.4501% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 5,371 |
| Loan loss allowance to noncurrent loans | 179.0393% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 4,767 |
| Noncurrent loans to loans | 0.5183% | 4,115 |
| Net loans and leases to total assets | 61.0868% | 3,627 |
| Net loans and leases to deposits | 74.9961% | 3,313 |
| Net loans and leases to core deposits | 78.9998% | 3,409 |
| Total domestic deposits to total assets | 81.4533% | 4,612 |
| Equity capital to assets | 13.6372% | 1,101 |
| Core capital (leverage) ratio | 12.7474% | 1,228 |
| Tier 1 risk-based capital ratio | 19.3610% | 1,757 |
| Total risk-based capital ratio | 20.2194% | 1,820 |
| Memoranda: | ||
| Average total assets | $72,451,600 | 5,219 |
| Average earning assets | $69,733,000 | 5,129 |
| Average equity | $8,759,400 | 5,034 |
| Average total loans | $44,918,200 | 4,998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 1,585 |
| Cost of funding earning assets | 0.5931% | 1,898 |
| Net interest margin | 3.9991% | 1,884 |
| Noninterest income to average assets | 0.3560% | 4,594 |
| Noninterest expense to average assets | 1.6315% | 6,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5730% | 130 |
| Return on assets (ROA) | 2.6482% | 121 |
| Pretax return on assets | 2.6482% | 170 |
| Return on Equity (ROE) | 22.6181% | 170 |
| Retained earnings to average equity (ytd only) | 16.7402% | 147 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8040% | 6,478 |
| Assets per employee ($millions) | 7.5385% | 630 |
| Cash dividends to net income (ytd only)* | 25.9877% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 5,748 |
| Loan loss allowance to noncurrent loans | 253.0864% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 5,357 |
| Noncurrent loans to loans | 0.3357% | 4,894 |
| Net loans and leases to total assets | 63.4795% | 3,267 |
| Net loans and leases to deposits | 84.9394% | 2,040 |
| Net loans and leases to core deposits | 89.6361% | 2,263 |
| Total domestic deposits to total assets | 74.7350% | 5,946 |
| Equity capital to assets | 12.7864% | 1,536 |
| Core capital (leverage) ratio | 12.6848% | 1,312 |
| Tier 1 risk-based capital ratio | 17.8646% | 2,250 |
| Total risk-based capital ratio | 18.6520% | 2,393 |
| Memoranda: | ||
| Average total assets | $72,650,250 | 5,274 |
| Average earning assets | $69,914,500 | 5,177 |
| Average equity | $8,506,250 | 5,129 |
| Average total loans | $45,102,000 | 5,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,549 |
| Cost of funding earning assets | 0.5886% | 1,991 |
| Net interest margin | 4.0044% | 1,792 |
| Noninterest income to average assets | 0.4600% | 3,790 |
| Noninterest expense to average assets | 1.7898% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.5203% | 135 |
| Return on assets (ROA) | 2.6346% | 123 |
| Pretax return on assets | 2.6346% | 174 |
| Return on Equity (ROE) | 23.2510% | 158 |
| Retained earnings to average equity (ytd only) | 14.0490% | 263 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5265% | 6,494 |
| Assets per employee ($millions) | 7.2707% | 706 |
| Cash dividends to net income (ytd only)* | 39.5767% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 5,754 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,264 |
| Noncurrent loans to loans | 0.0043% | 6,093 |
| Net loans and leases to total assets | 62.9499% | 3,246 |
| Net loans and leases to deposits | 77.3988% | 2,878 |
| Net loans and leases to core deposits | 81.4583% | 3,037 |
| Total domestic deposits to total assets | 81.3319% | 4,869 |
| Equity capital to assets | 12.3344% | 1,750 |
| Core capital (leverage) ratio | 12.2404% | 1,531 |
| Tier 1 risk-based capital ratio | 17.7999% | 2,310 |
| Total risk-based capital ratio | 18.6288% | 2,429 |
| Memoranda: | ||
| Average total assets | $71,738,670 | 5,344 |
| Average earning assets | $68,974,000 | 5,243 |
| Average equity | $8,128,670 | 5,236 |
| Average total loans | $44,048,000 | 5,124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,604 |
| Cost of funding earning assets | 0.5932% | 2,033 |
| Net interest margin | 3.9700% | 1,857 |
| Noninterest income to average assets | 0.2302% | 5,513 |
| Noninterest expense to average assets | 1.3810% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6440% | 131 |
| Return on assets (ROA) | 2.8686% | 105 |
| Pretax return on assets | 2.8686% | 154 |
| Return on Equity (ROE) | 26.5145% | 100 |
| Retained earnings to average equity (ytd only) | 26.5145% | 49 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3096% | 6,650 |
| Assets per employee ($millions) | 7.3073% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 5,796 |
| Loan loss allowance to noncurrent loans | 5,125.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,297 |
| Noncurrent loans to loans | 0.0180% | 6,112 |
| Net loans and leases to total assets | 60.2781% | 3,514 |
| Net loans and leases to deposits | 74.6635% | 2,992 |
| Net loans and leases to core deposits | 78.5824% | 3,137 |
| Total domestic deposits to total assets | 80.7330% | 5,307 |
| Equity capital to assets | 11.2641% | 2,466 |
| Core capital (leverage) ratio | 12.7384% | 1,280 |
| Tier 1 risk-based capital ratio | 17.9162% | 2,335 |
| Total risk-based capital ratio | 18.7563% | 2,448 |
| Memoranda: | ||
| Average total assets | $71,254,500 | 5,404 |
| Average earning assets | $68,110,000 | 5,315 |
| Average equity | $7,709,000 | 5,370 |
| Average total loans | $42,982,500 | 5,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,541 |
| Cost of funding earning assets | 0.6390% | 2,303 |
| Net interest margin | 4.0720% | 1,728 |
| Noninterest income to average assets | 0.3625% | 4,715 |
| Noninterest expense to average assets | 2.0103% | 6,010 |
| Loan and lease loss provision to assets | 0.0287% | 4,541 |
| Net operating income to assets | 2.2410% | 231 |
| Return on assets (ROA) | 2.2525% | 232 |
| Pretax return on assets | 2.2525% | 287 |
| Return on Equity (ROE) | 20.8212% | 246 |
| Retained earnings to average equity (ytd only) | 13.5364% | 220 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9702% | 6,522 |
| Assets per employee ($millions) | 6.9436% | 793 |
| Cash dividends to net income (ytd only)* | 34.9873% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 5,629 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,374 |
| Noncurrent loans to loans | 0.0241% | 6,189 |
| Net loans and leases to total assets | 59.1883% | 3,846 |
| Net loans and leases to deposits | 72.7707% | 3,420 |
| Net loans and leases to core deposits | 76.0426% | 3,603 |
| Total domestic deposits to total assets | 81.3353% | 5,090 |
| Equity capital to assets | 10.3505% | 3,343 |
| Core capital (leverage) ratio | 11.8459% | 1,721 |
| Tier 1 risk-based capital ratio | 17.7344% | 2,325 |
| Total risk-based capital ratio | 18.6175% | 2,440 |
| Memoranda: | ||
| Average total assets | $69,789,000 | 5,488 |
| Average earning assets | $67,141,200 | 5,372 |
| Average equity | $7,550,000 | 5,449 |
| Average total loans | $40,849,400 | 5,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 1,633 |
| Cost of funding earning assets | 0.6417% | 2,438 |
| Net interest margin | 4.0459% | 1,802 |
| Noninterest income to average assets | 0.3969% | 4,556 |
| Noninterest expense to average assets | 1.6505% | 6,520 |
| Loan and lease loss provision to assets | 0.0382% | 4,248 |
| Net operating income to assets | 2.6179% | 153 |
| Return on assets (ROA) | 2.6274% | 158 |
| Pretax return on assets | 2.6274% | 207 |
| Return on Equity (ROE) | 24.0284% | 139 |
| Retained earnings to average equity (ytd only) | 17.9210% | 108 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3252% | 6,775 |
| Assets per employee ($millions) | 7.3141% | 638 |
| Cash dividends to net income (ytd only)* | 25.4179% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,017 |
| Loan loss allowance to noncurrent loans | 2,928.5714% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,436 |
| Noncurrent loans to loans | 0.0313% | 6,248 |
| Net loans and leases to total assets | 60.5857% | 3,599 |
| Net loans and leases to deposits | 79.6724% | 2,454 |
| Net loans and leases to core deposits | 83.3061% | 2,730 |
| Total domestic deposits to total assets | 76.0435% | 6,161 |
| Equity capital to assets | 10.1038% | 3,765 |
| Core capital (leverage) ratio | 11.6435% | 1,919 |
| Tier 1 risk-based capital ratio | 16.2996% | 3,036 |
| Total risk-based capital ratio | 17.1109% | 3,217 |
| Memoranda: | ||
| Average total assets | $69,877,250 | 5,538 |
| Average earning assets | $67,524,250 | 5,416 |
| Average equity | $7,640,750 | 5,484 |
| Average total loans | $40,684,750 | 5,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 1,694 |
| Cost of funding earning assets | 0.6481% | 2,513 |
| Net interest margin | 4.0053% | 1,838 |
| Noninterest income to average assets | 0.5030% | 3,811 |
| Noninterest expense to average assets | 1.8462% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.5382% | 161 |
| Return on assets (ROA) | 2.5527% | 172 |
| Pretax return on assets | 2.5527% | 259 |
| Return on Equity (ROE) | 22.7334% | 180 |
| Retained earnings to average equity (ytd only) | 13.6452% | 328 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1088% | 6,751 |
| Assets per employee ($millions) | 7.0313% | 710 |
| Cash dividends to net income (ytd only)* | 39.9772% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,036 |
| 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 | 58.7615% | 3,860 |
| Net loans and leases to deposits | 73.3976% | 3,241 |
| Net loans and leases to core deposits | 75.3012% | 3,639 |
| Total domestic deposits to total assets | 80.0592% | 5,588 |
| Equity capital to assets | 9.9128% | 4,030 |
| Core capital (leverage) ratio | 11.0250% | 2,331 |
| Tier 1 risk-based capital ratio | 16.2659% | 3,061 |
| Total risk-based capital ratio | 17.0857% | 3,243 |
| Memoranda: | ||
| Average total assets | $68,789,330 | 5,611 |
| Average earning assets | $66,661,330 | 5,478 |
| Average equity | $7,724,330 | 5,506 |
| Average total loans | $39,338,670 | 5,452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 1,801 |
| Cost of funding earning assets | 0.6733% | 2,459 |
| Net interest margin | 3.9366% | 1,993 |
| Noninterest income to average assets | 0.2176% | 5,915 |
| Noninterest expense to average assets | 1.3524% | 6,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.6813% | 134 |
| Return on assets (ROA) | 2.7107% | 137 |
| Pretax return on assets | 2.7107% | 208 |
| Return on Equity (ROE) | 22.7612% | 170 |
| Retained earnings to average equity (ytd only) | 22.7612% | 86 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5277% | 6,938 |
| Assets per employee ($millions) | 6.8718% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.9766% | 4,077 |
| Net loans and leases to deposits | 68.3512% | 3,735 |
| Net loans and leases to core deposits | 70.1128% | 4,070 |
| Total domestic deposits to total assets | 81.8956% | 5,229 |
| Equity capital to assets | 11.9983% | 2,046 |
| Core capital (leverage) ratio | 11.4168% | 1,934 |
| Tier 1 risk-based capital ratio | 17.1112% | 2,703 |
| Total risk-based capital ratio | 17.9811% | 2,863 |
| Memoranda: | ||
| Average total assets | $68,027,500 | 5,686 |
| Average earning assets | $65,945,000 | 5,548 |
| Average equity | $8,101,500 | 5,459 |
| Average total loans | $38,154,500 | 5,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 2,449 |
| Cost of funding earning assets | 0.8031% | 2,640 |
| Net interest margin | 3.9312% | 2,693 |
| Noninterest income to average assets | 0.4407% | 4,316 |
| Noninterest expense to average assets | 2.0993% | 6,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.1314% | 289 |
| Return on assets (ROA) | 2.1345% | 312 |
| Pretax return on assets | 2.1345% | 464 |
| Return on Equity (ROE) | 17.5040% | 491 |
| Retained earnings to average equity (ytd only) | 5.8347% | 2,169 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6203% | 6,615 |
| Assets per employee ($millions) | 6.7337% | 884 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 55.0411% | 4,446 |
| Net loans and leases to deposits | 67.1492% | 4,113 |
| Net loans and leases to core deposits | 68.9095% | 4,444 |
| Total domestic deposits to total assets | 81.9683% | 5,111 |
| Equity capital to assets | 11.8182% | 2,165 |
| Core capital (leverage) ratio | 10.9109% | 2,330 |
| Tier 1 risk-based capital ratio | 16.6520% | 2,812 |
| Total risk-based capital ratio | 17.5527% | 2,951 |
| Memoranda: | ||
| Average total assets | $65,355,200 | 5,771 |
| Average earning assets | $63,008,800 | 5,636 |
| Average equity | $7,969,600 | 5,512 |
| Average total loans | $37,640,000 | 5,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,551 |
| Cost of funding earning assets | 0.8188% | 2,787 |
| Net interest margin | 3.9386% | 2,763 |
| Noninterest income to average assets | 0.4625% | 4,193 |
| Noninterest expense to average assets | 1.7473% | 6,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5120% | 167 |
| Return on assets (ROA) | 2.5141% | 178 |
| Pretax return on assets | 2.5141% | 281 |
| Return on Equity (ROE) | 20.4532% | 308 |
| Retained earnings to average equity (ytd only) | 14.6165% | 261 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0232% | 6,994 |
| Assets per employee ($millions) | 6.5123% | 948 |
| Cash dividends to net income (ytd only)* | 28.5362% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,808 |
| 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 | 54.9238% | 4,601 |
| Net loans and leases to deposits | 67.2558% | 4,297 |
| Net loans and leases to core deposits | 69.0822% | 4,599 |
| Total domestic deposits to total assets | 81.6639% | 5,145 |
| Equity capital to assets | 12.8802% | 1,654 |
| Core capital (leverage) ratio | 11.7020% | 1,840 |
| Tier 1 risk-based capital ratio | 18.0993% | 2,298 |
| Total risk-based capital ratio | 19.0257% | 2,399 |
| Memoranda: | ||
| Average total assets | $64,859,750 | 5,852 |
| Average earning assets | $62,525,750 | 5,717 |
| Average equity | $7,972,500 | 5,566 |
| Average total loans | $37,686,750 | 5,668 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 2,768 |
| Cost of funding earning assets | 0.8307% | 2,941 |
| Net interest margin | 3.9067% | 2,877 |
| Noninterest income to average assets | 0.5651% | 3,486 |
| Noninterest expense to average assets | 1.8187% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5073% | 174 |
| Return on assets (ROA) | 2.5103% | 197 |
| Pretax return on assets | 2.5103% | 295 |
| Return on Equity (ROE) | 20.7557% | 306 |
| Retained earnings to average equity (ytd only) | 11.8458% | 609 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0414% | 7,019 |
| Assets per employee ($millions) | 6.5489% | 932 |
| Cash dividends to net income (ytd only)* | 42.9274% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 6,023 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,850 |
| Noncurrent loans to loans | 0.0080% | 6,695 |
| Net loans and leases to total assets | 57.0142% | 4,325 |
| Net loans and leases to deposits | 68.7131% | 4,087 |
| Net loans and leases to core deposits | 70.5329% | 4,464 |
| Total domestic deposits to total assets | 82.9742% | 4,767 |
| Equity capital to assets | 12.0432% | 2,120 |
| Core capital (leverage) ratio | 11.1549% | 2,159 |
| Tier 1 risk-based capital ratio | 16.8797% | 2,727 |
| Total risk-based capital ratio | 17.7928% | 2,854 |
| Memoranda: | ||
| Average total assets | $64,772,000 | 5,893 |
| Average earning assets | $62,353,670 | 5,754 |
| Average equity | $7,834,000 | 5,626 |
| Average total loans | $38,196,330 | 5,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 2,643 |
| Cost of funding earning assets | 0.8798% | 2,839 |
| Net interest margin | 3.9203% | 2,838 |
| Noninterest income to average assets | 0.3167% | 5,342 |
| Noninterest expense to average assets | 1.3724% | 7,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.7075% | 138 |
| Return on assets (ROA) | 2.7075% | 164 |
| Pretax return on assets | 2.7075% | 253 |
| Return on Equity (ROE) | 22.3375% | 266 |
| Retained earnings to average equity (ytd only) | 22.3375% | 128 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6377% | 7,207 |
| Assets per employee ($millions) | 6.5203% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,151 |
| 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 | 57.5234% | 4,128 |
| Net loans and leases to deposits | 69.7014% | 3,768 |
| Net loans and leases to core deposits | 71.5591% | 4,217 |
| Total domestic deposits to total assets | 82.5284% | 5,117 |
| Equity capital to assets | 12.4120% | 1,783 |
| Core capital (leverage) ratio | 11.2689% | 2,060 |
| Tier 1 risk-based capital ratio | 16.7124% | 2,804 |
| Total risk-based capital ratio | 17.6198% | 2,933 |
| Memoranda: | ||
| Average total assets | $64,413,500 | 5,947 |
| Average earning assets | $61,832,500 | 5,813 |
| Average equity | $7,807,500 | 5,654 |
| Average total loans | $38,430,500 | 5,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 1,961 |
| Cost of funding earning assets | 1.0255% | 3,193 |
| Net interest margin | 4.2005% | 2,057 |
| Noninterest income to average assets | 0.4448% | 4,266 |
| Noninterest expense to average assets | 2.1641% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.2972% | 188 |
| Return on assets (ROA) | 2.2972% | 202 |
| Pretax return on assets | 2.2972% | 305 |
| Return on Equity (ROE) | 20.2589% | 256 |
| Retained earnings to average equity (ytd only) | 11.0243% | 400 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5080% | 6,917 |
| Assets per employee ($millions) | 6.3624% | 1,024 |
| Cash dividends to net income (ytd only)* | 45.5830% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,214 |
| Loan loss allowance to noncurrent loans | 9,750.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,978 |
| Noncurrent loans to loans | 0.0103% | 6,828 |
| Net loans and leases to total assets | 60.6281% | 3,864 |
| Net loans and leases to deposits | 75.6338% | 3,235 |
| Net loans and leases to core deposits | 77.7466% | 3,713 |
| Total domestic deposits to total assets | 80.1600% | 5,700 |
| Equity capital to assets | 11.8226% | 2,259 |
| Core capital (leverage) ratio | 10.8055% | 2,431 |
| Tier 1 risk-based capital ratio | 15.7462% | 3,193 |
| Total risk-based capital ratio | 16.6566% | 3,339 |
| Memoranda: | ||
| Average total assets | $61,595,800 | 5,994 |
| Average earning assets | $58,897,400 | 5,906 |
| Average equity | $6,984,600 | 5,868 |
| Average total loans | $38,159,200 | 5,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 2,041 |
| Cost of funding earning assets | 1.0585% | 3,263 |
| Net interest margin | 4.1884% | 2,150 |
| Noninterest income to average assets | 0.4693% | 4,137 |
| Noninterest expense to average assets | 1.8246% | 6,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.6518% | 121 |
| Return on assets (ROA) | 2.6518% | 127 |
| Pretax return on assets | 2.6518% | 189 |
| Return on Equity (ROE) | 23.6482% | 173 |
| Retained earnings to average equity (ytd only) | 17.8091% | 118 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7606% | 7,239 |
| Assets per employee ($millions) | 6.3489% | 1,016 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,282 |
| Loan loss allowance to noncurrent loans | 73.3083% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 5,088 |
| Noncurrent loans to loans | 1.3613% | 4,264 |
| Net loans and leases to total assets | 60.9413% | 3,954 |
| Net loans and leases to deposits | 77.9573% | 3,007 |
| Net loans and leases to core deposits | 81.0266% | 3,485 |
| Total domestic deposits to total assets | 78.1726% | 6,159 |
| Equity capital to assets | 12.0241% | 2,233 |
| Core capital (leverage) ratio | 11.2367% | 2,204 |
| Tier 1 risk-based capital ratio | 15.9780% | 3,130 |
| Total risk-based capital ratio | 16.8823% | 3,284 |
| Memoranda: | ||
| Average total assets | $61,088,750 | 6,055 |
| Average earning assets | $58,445,250 | 5,958 |
| Average equity | $6,850,250 | 5,944 |
| Average total loans | $37,958,000 | 5,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 1,894 |
| Cost of funding earning assets | 1.1052% | 3,209 |
| Net interest margin | 4.1947% | 2,058 |
| Noninterest income to average assets | 0.5341% | 3,604 |
| Noninterest expense to average assets | 1.9904% | 6,817 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.5477% | 156 |
| Return on assets (ROA) | 2.5477% | 162 |
| Pretax return on assets | 2.5477% | 227 |
| Return on Equity (ROE) | 23.3116% | 188 |
| Retained earnings to average equity (ytd only) | 14.2055% | 297 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8596% | 7,237 |
| Assets per employee ($millions) | 6.0837% | 1,140 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 6,082 |
| Loan loss allowance to noncurrent loans | 60.1852% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 4,757 |
| Noncurrent loans to loans | 1.7674% | 3,795 |
| Net loans and leases to total assets | 59.6265% | 4,342 |
| Net loans and leases to deposits | 71.1400% | 4,270 |
| Net loans and leases to core deposits | 73.8543% | 4,596 |
| Total domestic deposits to total assets | 83.8158% | 4,430 |
| Equity capital to assets | 11.7955% | 2,251 |
| Core capital (leverage) ratio | 10.7132% | 2,506 |
| Tier 1 risk-based capital ratio | 15.9580% | 2,993 |
| Total risk-based capital ratio | 16.9238% | 3,110 |
| Memoranda: | ||
| Average total assets | $60,288,670 | 6,130 |
| Average earning assets | $57,548,330 | 6,040 |
| Average equity | $6,589,000 | 6,058 |
| Average total loans | $37,583,670 | 5,913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 1,872 |
| Cost of funding earning assets | 1.1253% | 3,329 |
| Net interest margin | 4.1727% | 1,992 |
| Noninterest income to average assets | 0.2666% | 5,763 |
| Noninterest expense to average assets | 1.5396% | 7,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.7060% | 143 |
| Return on assets (ROA) | 2.7060% | 148 |
| Pretax return on assets | 2.7060% | 197 |
| Return on Equity (ROE) | 25.7962% | 147 |
| Retained earnings to average equity (ytd only) | 25.7962% | 92 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2637% | 7,441 |
| Assets per employee ($millions) | 5.9770% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,260 |
| Loan loss allowance to noncurrent loans | 6,500.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 7,003 |
| Noncurrent loans to loans | 0.0160% | 7,029 |
| Net loans and leases to total assets | 62.2469% | 3,799 |
| Net loans and leases to deposits | 73.6660% | 3,811 |
| Net loans and leases to core deposits | 76.0870% | 4,288 |
| Total domestic deposits to total assets | 84.4989% | 4,268 |
| Equity capital to assets | 11.1093% | 2,576 |
| Core capital (leverage) ratio | 10.7688% | 2,384 |
| Tier 1 risk-based capital ratio | 15.9795% | 2,907 |
| Total risk-based capital ratio | 16.9558% | 3,010 |
| Memoranda: | ||
| Average total assets | $60,014,500 | 6,185 |
| Average earning assets | $57,228,500 | 6,095 |
| Average equity | $6,295,500 | 6,157 |
| Average total loans | $38,043,000 | 5,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 2,556 |
| Cost of funding earning assets | 1.3660% | 3,478 |
| Net interest margin | 4.0613% | 2,742 |
| Noninterest income to average assets | 0.4256% | 4,703 |
| Noninterest expense to average assets | 2.3241% | 6,290 |
| Loan and lease loss provision to assets | 0.0869% | 6,284 |
| Net operating income to assets | 1.8777% | 354 |
| Return on assets (ROA) | 1.8725% | 386 |
| Pretax return on assets | 1.8725% | 646 |
| Return on Equity (ROE) | 17.2348% | 456 |
| Retained earnings to average equity (ytd only) | 10.1202% | 502 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1920% | 6,788 |
| Assets per employee ($millions) | 6.0259% | 1,196 |
| Cash dividends to net income (ytd only)* | 41.2801% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 6,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,084 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.2287% | 4,026 |
| Net loans and leases to deposits | 80.1890% | 3,137 |
| Net loans and leases to core deposits | 82.9635% | 3,751 |
| Total domestic deposits to total assets | 78.8496% | 6,117 |
| Equity capital to assets | 9.8757% | 3,904 |
| Core capital (leverage) ratio | 10.0116% | 3,080 |
| Tier 1 risk-based capital ratio | 14.7040% | 3,423 |
| Total risk-based capital ratio | 15.6636% | 3,562 |
| Memoranda: | ||
| Average total assets | $57,569,600 | 6,286 |
| Average earning assets | $54,760,400 | 6,183 |
| Average equity | $6,254,800 | 6,287 |
| Average total loans | $36,893,200 | 6,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4560% | 2,621 |
| Cost of funding earning assets | 1.3843% | 3,676 |
| Net interest margin | 4.0717% | 2,750 |
| Noninterest income to average assets | 0.4171% | 4,816 |
| Noninterest expense to average assets | 2.0083% | 7,036 |
| Loan and lease loss provision to assets | 0.1172% | 5,859 |
| Net operating income to assets | 2.1653% | 254 |
| Return on assets (ROA) | 2.1653% | 270 |
| Pretax return on assets | 2.1653% | 437 |
| Return on Equity (ROE) | 19.4601% | 346 |
| Retained earnings to average equity (ytd only) | 13.7737% | 288 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8050% | 7,349 |
| Assets per employee ($millions) | 5.8607% | 1,334 |
| Cash dividends to net income (ytd only)* | 29.2207% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,344 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,580 |
| Noncurrent loans to loans | 0.3839% | 6,425 |
| Net loans and leases to total assets | 65.1083% | 3,887 |
| Net loans and leases to deposits | 82.1185% | 3,083 |
| Net loans and leases to core deposits | 85.0147% | 3,795 |
| Total domestic deposits to total assets | 79.2858% | 5,938 |
| Equity capital to assets | 11.5839% | 2,467 |
| Core capital (leverage) ratio | 10.2605% | 2,972 |
| Tier 1 risk-based capital ratio | 14.9174% | 3,292 |
| Total risk-based capital ratio | 15.8874% | 3,409 |
| Memoranda: | ||
| Average total assets | $56,897,250 | 6,390 |
| Average earning assets | $54,128,500 | 6,275 |
| Average equity | $6,330,750 | 6,342 |
| Average total loans | $36,493,750 | 6,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 2,943 |
| Cost of funding earning assets | 1.4021% | 3,864 |
| Net interest margin | 4.0049% | 2,991 |
| Noninterest income to average assets | 0.5219% | 3,940 |
| Noninterest expense to average assets | 2.1659% | 6,730 |
| Loan and lease loss provision to assets | 0.1775% | 5,097 |
| Net operating income to assets | 1.9919% | 334 |
| Return on assets (ROA) | 1.9919% | 370 |
| Pretax return on assets | 1.9919% | 610 |
| Return on Equity (ROE) | 18.1612% | 450 |
| Retained earnings to average equity (ytd only) | 9.4205% | 981 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9590% | 7,225 |
| Assets per employee ($millions) | 5.8583% | 1,332 |
| Cash dividends to net income (ytd only)* | 48.1283% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,320 |
| Loan loss allowance to noncurrent loans | 1,258.0645% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 6,954 |
| Noncurrent loans to loans | 0.0810% | 7,105 |
| Net loans and leases to total assets | 64.6775% | 4,115 |
| Net loans and leases to deposits | 78.3288% | 3,911 |
| Net loans and leases to core deposits | 80.9667% | 4,558 |
| Total domestic deposits to total assets | 82.5717% | 4,756 |
| Equity capital to assets | 10.9503% | 2,917 |
| Core capital (leverage) ratio | 9.8738% | 3,306 |
| Tier 1 risk-based capital ratio | 14.2258% | 3,591 |
| Total risk-based capital ratio | 15.2104% | 3,720 |
| Memoranda: | ||
| Average total assets | $56,327,330 | 6,450 |
| Average earning assets | $53,634,330 | 6,339 |
| Average equity | $6,178,000 | 6,414 |
| Average total loans | $35,809,000 | 6,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3349% | 3,368 |
| Cost of funding earning assets | 1.4191% | 4,056 |
| Net interest margin | 3.9158% | 3,258 |
| Noninterest income to average assets | 0.2754% | 5,951 |
| Noninterest expense to average assets | 1.7754% | 7,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2392% | 235 |
| Return on assets (ROA) | 2.2392% | 262 |
| Pretax return on assets | 2.2392% | 395 |
| Return on Equity (ROE) | 20.3977% | 359 |
| Retained earnings to average equity (ytd only) | 20.3977% | 185 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2238% | 7,616 |
| Assets per employee ($millions) | 5.5718% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,630 |
| Loan loss allowance to noncurrent loans | 1,259.2593% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 6,898 |
| Noncurrent loans to loans | 0.0765% | 7,206 |
| Net loans and leases to total assets | 62.7499% | 4,600 |
| Net loans and leases to deposits | 76.2086% | 4,370 |
| Net loans and leases to core deposits | 78.9072% | 4,907 |
| Total domestic deposits to total assets | 82.3396% | 4,914 |
| Equity capital to assets | 11.0898% | 2,683 |
| Core capital (leverage) ratio | 10.2502% | 2,872 |
| Tier 1 risk-based capital ratio | 15.3827% | 2,929 |
| Total risk-based capital ratio | 16.3079% | 3,045 |
| Memoranda: | ||
| Average total assets | $55,199,500 | 6,563 |
| Average earning assets | $52,710,000 | 6,453 |
| Average equity | $6,059,500 | 6,497 |
| Average total loans | $34,573,500 | 6,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 4,341 |
| Cost of funding earning assets | 1.7210% | 4,406 |
| Net interest margin | 3.7469% | 3,923 |
| Noninterest income to average assets | 0.3789% | 5,383 |
| Noninterest expense to average assets | 2.3441% | 6,619 |
| Loan and lease loss provision to assets | 0.0187% | 7,316 |
| Net operating income to assets | 1.5714% | 578 |
| Return on assets (ROA) | 1.5752% | 617 |
| Pretax return on assets | 1.5752% | 1,017 |
| Return on Equity (ROE) | 15.6291% | 589 |
| Retained earnings to average equity (ytd only) | 8.7775% | 532 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5825% | 6,543 |
| Assets per employee ($millions) | 5.4681% | 1,672 |
| Cash dividends to net income (ytd only)* | 43.8389% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,350 |
| Loan loss allowance to noncurrent loans | 1,259.2593% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,894 |
| Noncurrent loans to loans | 0.0798% | 7,216 |
| Net loans and leases to total assets | 61.2717% | 5,146 |
| Net loans and leases to deposits | 75.8593% | 4,766 |
| Net loans and leases to core deposits | 87.6586% | 5,364 |
| Total domestic deposits to total assets | 80.7703% | 5,415 |
| Equity capital to assets | 10.8630% | 2,806 |
| Core capital (leverage) ratio | 9.6282% | 3,549 |
| Tier 1 risk-based capital ratio | 15.0728% | 2,902 |
| Total risk-based capital ratio | 16.0319% | 3,010 |
| Memoranda: | ||
| Average total assets | $53,581,800 | 6,573 |
| Average earning assets | $50,841,600 | 6,499 |
| Average equity | $5,400,200 | 6,805 |
| Average total loans | $33,762,600 | 6,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 4,793 |
| Cost of funding earning assets | 1.7775% | 4,491 |
| Net interest margin | 3.6527% | 4,264 |
| Noninterest income to average assets | 0.4252% | 5,087 |
| Noninterest expense to average assets | 2.1185% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7708% | 479 |
| Return on assets (ROA) | 1.7758% | 498 |
| Pretax return on assets | 1.7758% | 842 |
| Return on Equity (ROE) | 17.9790% | 459 |
| Retained earnings to average equity (ytd only) | 11.1419% | 454 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4695% | 7,184 |
| Assets per employee ($millions) | 5.5933% | 1,521 |
| Cash dividends to net income (ytd only)* | 38.0282% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 6,583 |
| Loan loss allowance to noncurrent loans | 1,269.2308% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 6,744 |
| Noncurrent loans to loans | 0.0743% | 7,309 |
| Net loans and leases to total assets | 61.9992% | 5,244 |
| Net loans and leases to deposits | 78.6349% | 4,632 |
| Net loans and leases to core deposits | 93.3459% | 5,090 |
| Total domestic deposits to total assets | 78.8443% | 5,852 |
| Equity capital to assets | 11.0168% | 2,991 |
| Core capital (leverage) ratio | 9.7907% | 3,526 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,254 |
| Total risk-based capital ratio | 15.4444% | 3,391 |
| Memoranda: | ||
| Average total assets | $53,307,000 | 6,628 |
| Average earning assets | $50,555,500 | 6,557 |
| Average equity | $5,265,250 | 6,918 |
| Average total loans | $33,742,250 | 6,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4138% | 5,069 |
| Cost of funding earning assets | 1.8623% | 4,457 |
| Net interest margin | 3.5516% | 4,562 |
| Noninterest income to average assets | 0.5188% | 4,280 |
| Noninterest expense to average assets | 2.3574% | 6,601 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5296% | 787 |
| Return on assets (ROA) | 1.5334% | 835 |
| Pretax return on assets | 1.5334% | 1,366 |
| Return on Equity (ROE) | 16.1890% | 671 |
| Retained earnings to average equity (ytd only) | 5.3158% | 2,340 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6477% | 6,454 |
| Assets per employee ($millions) | 5.3920% | 1,677 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,448 |
| Loan loss allowance to noncurrent loans | 1,269.2308% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,696 |
| Noncurrent loans to loans | 0.0764% | 7,334 |
| Net loans and leases to total assets | 62.5204% | 5,267 |
| Net loans and leases to deposits | 71.5550% | 5,802 |
| Net loans and leases to core deposits | 85.4546% | 5,971 |
| Total domestic deposits to total assets | 87.3739% | 2,064 |
| Equity capital to assets | 9.3119% | 4,850 |
| Core capital (leverage) ratio | 9.4461% | 3,964 |
| Tier 1 risk-based capital ratio | 14.2666% | 3,371 |
| Total risk-based capital ratio | 15.2078% | 3,478 |
| Memoranda: | ||
| Average total assets | $52,431,670 | 6,727 |
| Average earning assets | $49,724,670 | 6,640 |
| Average equity | $4,966,330 | 7,075 |
| Average total loans | $33,320,330 | 6,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 4,969 |
| Cost of funding earning assets | 1.9495% | 4,381 |
| Net interest margin | 3.5402% | 4,564 |
| Noninterest income to average assets | 0.2089% | 6,800 |
| Noninterest expense to average assets | 1.8651% | 7,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7025% | 643 |
| Return on assets (ROA) | 1.7103% | 697 |
| Pretax return on assets | 1.7103% | 1,156 |
| Return on Equity (ROE) | 17.8984% | 596 |
| Retained earnings to average equity (ytd only) | 17.8984% | 236 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2777% | 7,389 |
| Assets per employee ($millions) | 5.1591% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,159 |
| Loan loss allowance to noncurrent loans | 412.5000% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 5,220 |
| Noncurrent loans to loans | 0.2429% | 6,840 |
| Net loans and leases to total assets | 63.1913% | 5,124 |
| Net loans and leases to deposits | 72.6339% | 5,665 |
| Net loans and leases to core deposits | 88.1489% | 5,727 |
| Total domestic deposits to total assets | 86.9997% | 2,219 |
| Equity capital to assets | 9.7129% | 4,361 |
| Core capital (leverage) ratio | 10.0063% | 3,407 |
| Tier 1 risk-based capital ratio | 14.9308% | 3,105 |
| Total risk-based capital ratio | 15.8984% | 3,160 |
| Memoranda: | ||
| Average total assets | $51,687,500 | 6,797 |
| Average earning assets | $49,037,000 | 6,707 |
| Average equity | $4,939,000 | 7,133 |
| Average total loans | $32,960,000 | 6,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0876% | 5,108 |
| Cost of funding earning assets | 2.4579% | 4,437 |
| Net interest margin | 3.6297% | 4,754 |
| Noninterest income to average assets | 0.3635% | 5,809 |
| Noninterest expense to average assets | 2.1473% | 7,120 |
| Loan and lease loss provision to assets | 0.1778% | 5,119 |
| Net operating income to assets | 1.4894% | 1,047 |
| Return on assets (ROA) | 1.2168% | 1,669 |
| Pretax return on assets | 1.2168% | 2,586 |
| Return on Equity (ROE) | 13.2988% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.4698% | 993 |
| Net charge-offs to loans | 0.2692% | 3,606 |
| Credit loss provision to net charge-offs | 105.8824% | 5,055 |
| Earnings coverage of net charge-offs (x) | 9.9294% | 2,611 |
| Efficiency ratio | 56.2921% | 6,966 |
| Assets per employee ($millions) | 5.1784% | 1,747 |
| Cash dividends to net income (ytd only)* | 43.8312% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,053 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.5774% | 5,450 |
| Noncurrent loans to loans | 0.0121% | 7,499 |
| Net loans and leases to total assets | 63.0677% | 5,442 |
| Net loans and leases to deposits | 75.8154% | 5,606 |
| Net loans and leases to core deposits | 92.2962% | 5,607 |
| Total domestic deposits to total assets | 83.1859% | 3,692 |
| Equity capital to assets | 9.3987% | 4,822 |
| Core capital (leverage) ratio | 9.4963% | 4,018 |
| Tier 1 risk-based capital ratio | 14.1954% | 3,451 |
| Total risk-based capital ratio | 15.1573% | 3,511 |
| Memoranda: | ||
| Average total assets | $50,622,800 | 6,750 |
| Average earning assets | $48,130,800 | 6,664 |
| Average equity | $4,632,000 | 7,289 |
| Average total loans | $31,579,000 | 6,623 |