Home > Panora State Bank > Performance and Condition Ratios
Panora State 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 | 3.9909% | 4,398 |
| Cost of funding earning assets | 0.7660% | 2,823 |
| Net interest margin | 3.2249% | 4,303 |
| Noninterest income to average assets | 0.0909% | 5,072 |
| Noninterest expense to average assets | 1.3728% | 5,174 |
| Loan and lease loss provision to assets | 0.1261% | 1,477 |
| Net operating income to assets | 1.4721% | 1,225 |
| Return on assets (ROA) | 1.4637% | 1,303 |
| Pretax return on assets | 1.5224% | 1,782 |
| Return on Equity (ROE) | 10.1074% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.0563% | 2,256 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2391% | 5,139 |
| Assets per employee ($millions) | 9.9661% | 335 |
| Cash dividends to net income (ytd only)* | 40.0802% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4177% | 5,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 45.1041% | 4,677 |
| Net loans and leases to deposits | 59.4360% | 4,458 |
| Net loans and leases to core deposits | 65.5364% | 4,334 |
| Total domestic deposits to total assets | 75.8869% | 4,685 |
| Equity capital to assets | 14.8603% | 855 |
| Core capital (leverage) ratio | 9.2987% | 4,359 |
| Tier 1 risk-based capital ratio | 14.4522% | 3,089 |
| Total risk-based capital ratio | 14.7604% | 3,478 |
| Memoranda: | ||
| Average total assets | $68,184,000 | 4,547 |
| Average earning assets | $62,142,000 | 4,561 |
| Average equity | $9,874,000 | 4,317 |
| Average total loans | $29,345,000 | 4,754 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 4,495 |
| Cost of funding earning assets | 0.7153% | 2,971 |
| Net interest margin | 3.2188% | 4,352 |
| Noninterest income to average assets | 0.0890% | 5,117 |
| Noninterest expense to average assets | 1.3888% | 5,227 |
| Loan and lease loss provision to assets | 0.1543% | 1,086 |
| Net operating income to assets | 1.4188% | 1,328 |
| Return on assets (ROA) | 1.4244% | 1,339 |
| Pretax return on assets | 1.4897% | 1,805 |
| Return on Equity (ROE) | 9.9714% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.8167% | 2,537 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7647% | 5,166 |
| Assets per employee ($millions) | 9.7597% | 368 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3847% | 5,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.2068% | 4,777 |
| Net loans and leases to deposits | 56.5566% | 4,570 |
| Net loans and leases to core deposits | 62.1510% | 4,463 |
| Total domestic deposits to total assets | 76.3957% | 4,716 |
| Equity capital to assets | 14.4750% | 884 |
| Core capital (leverage) ratio | 9.4569% | 4,185 |
| Tier 1 risk-based capital ratio | 17.9453% | 1,804 |
| Total risk-based capital ratio | 18.2858% | 2,041 |
| Memoranda: | ||
| Average total assets | $67,394,500 | 4,610 |
| Average earning assets | $61,513,000 | 4,625 |
| Average equity | $9,627,500 | 4,384 |
| Average total loans | $28,218,500 | 4,835 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9636% | 5,244 |
| Cost of funding earning assets | 0.4572% | 3,630 |
| Net interest margin | 2.5064% | 5,211 |
| Noninterest income to average assets | 0.0780% | 5,209 |
| Noninterest expense to average assets | 1.0711% | 5,342 |
| Loan and lease loss provision to assets | 0.1305% | 1,684 |
| Net operating income to assets | 1.1019% | 2,589 |
| Return on assets (ROA) | 1.0306% | 2,873 |
| Pretax return on assets | 1.0877% | 3,319 |
| Return on Equity (ROE) | 6.7391% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.5320% | 3,035 |
| Net charge-offs to loans | -0.0043% | 4,326 |
| Credit loss provision to net charge-offs | -8,700.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8629% | 5,269 |
| Assets per employee ($millions) | 9.4959% | 399 |
| Cash dividends to net income (ytd only)* | 32.7511% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3283% | 5,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 40.1935% | 4,940 |
| Net loans and leases to deposits | 52.0404% | 4,823 |
| Net loans and leases to core deposits | 56.0704% | 4,775 |
| Total domestic deposits to total assets | 77.2352% | 4,598 |
| Equity capital to assets | 14.0904% | 940 |
| Core capital (leverage) ratio | 9.4007% | 4,235 |
| Tier 1 risk-based capital ratio | 18.2716% | 1,671 |
| Total risk-based capital ratio | 18.5465% | 1,915 |
| Memoranda: | ||
| Average total assets | $66,657,400 | 4,641 |
| Average earning assets | $60,805,400 | 4,654 |
| Average equity | $10,194,200 | 4,276 |
| Average total loans | $23,400,600 | 4,988 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6645% | 5,385 |
| Cost of funding earning assets | 0.4054% | 3,822 |
| Net interest margin | 2.2592% | 5,367 |
| Noninterest income to average assets | 0.0800% | 5,273 |
| Noninterest expense to average assets | 0.9494% | 5,432 |
| Loan and lease loss provision to assets | 0.1219% | 1,651 |
| Net operating income to assets | 1.0144% | 3,026 |
| Return on assets (ROA) | 0.9574% | 3,287 |
| Pretax return on assets | 1.0094% | 3,692 |
| Return on Equity (ROE) | 6.1401% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.2174% | 3,665 |
| Net charge-offs to loans | -0.0059% | 4,258 |
| Credit loss provision to net charge-offs | -6,100.0000% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7759% | 5,341 |
| Assets per employee ($millions) | 9.0543% | 441 |
| Cash dividends to net income (ytd only)* | 31.3161% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2587% | 5,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 37.7138% | 5,088 |
| Net loans and leases to deposits | 48.7806% | 4,991 |
| Net loans and leases to core deposits | 51.8954% | 4,975 |
| Total domestic deposits to total assets | 77.3130% | 4,590 |
| Equity capital to assets | 14.0975% | 930 |
| Core capital (leverage) ratio | 9.2991% | 4,403 |
| Tier 1 risk-based capital ratio | 15.8413% | 2,509 |
| Total risk-based capital ratio | 16.0138% | 2,909 |
| Memoranda: | ||
| Average total assets | $66,704,000 | 4,688 |
| Average earning assets | $60,847,000 | 4,703 |
| Average equity | $10,401,250 | 4,289 |
| Average total loans | $22,549,500 | 5,076 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1604% | 5,497 |
| Cost of funding earning assets | 0.3262% | 4,230 |
| Net interest margin | 1.8342% | 5,486 |
| Noninterest income to average assets | 0.0678% | 5,357 |
| Noninterest expense to average assets | 0.7875% | 5,514 |
| Loan and lease loss provision to assets | 0.1032% | 1,885 |
| Net operating income to assets | 0.8049% | 3,841 |
| Return on assets (ROA) | 0.7550% | 4,016 |
| Pretax return on assets | 0.7993% | 4,247 |
| Return on Equity (ROE) | 4.7016% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.3242% | 3,917 |
| Net charge-offs to loans | -0.0091% | 4,288 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4399% | 5,393 |
| Assets per employee ($millions) | 9.2856% | 404 |
| Cash dividends to net income (ytd only)* | 29.2969% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1639% | 5,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.7436% | 5,248 |
| Net loans and leases to deposits | 43.4188% | 5,159 |
| Net loans and leases to core deposits | 46.1000% | 5,147 |
| Total domestic deposits to total assets | 77.7166% | 4,632 |
| Equity capital to assets | 13.9433% | 947 |
| Core capital (leverage) ratio | 8.8159% | 4,868 |
| Tier 1 risk-based capital ratio | 20.0435% | 1,311 |
| Total risk-based capital ratio | 20.1741% | 1,526 |
| Memoranda: | ||
| Average total assets | $67,812,000 | 4,718 |
| Average earning assets | $61,933,330 | 4,732 |
| Average equity | $10,890,000 | 4,247 |
| Average total loans | $22,077,670 | 5,147 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0229% | 5,602 |
| Cost of funding earning assets | 0.1452% | 5,290 |
| Net interest margin | 0.8777% | 5,601 |
| Noninterest income to average assets | 0.0347% | 5,508 |
| Noninterest expense to average assets | 0.3756% | 5,596 |
| Loan and lease loss provision to assets | 0.0520% | 2,731 |
| Net operating income to assets | 0.3872% | 4,949 |
| Return on assets (ROA) | 0.3872% | 4,956 |
| Pretax return on assets | 0.4103% | 5,022 |
| Return on Equity (ROE) | 2.2705% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.2705% | 4,257 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0000% | 5,458 |
| Assets per employee ($millions) | 8.2330% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0375% | 5,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.3901% | 5,194 |
| Net loans and leases to deposits | 46.5805% | 5,084 |
| Net loans and leases to core deposits | 48.8425% | 5,076 |
| Total domestic deposits to total assets | 78.1231% | 4,711 |
| Equity capital to assets | 13.5719% | 1,022 |
| Core capital (leverage) ratio | 8.6636% | 5,008 |
| Tier 1 risk-based capital ratio | 18.3084% | 1,742 |
| Total risk-based capital ratio | 18.3390% | 2,043 |
| Memoranda: | ||
| Average total assets | $69,218,500 | 4,749 |
| Average earning assets | $63,350,000 | 4,766 |
| Average equity | $11,803,500 | 4,154 |
| Average total loans | $22,132,000 | 5,204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 4,855 |
| Cost of funding earning assets | 0.3998% | 3,259 |
| Net interest margin | 3.0530% | 4,780 |
| Noninterest income to average assets | 0.1028% | 5,405 |
| Noninterest expense to average assets | 1.0152% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8235% | 393 |
| Return on assets (ROA) | 1.8235% | 404 |
| Pretax return on assets | 1.9193% | 581 |
| Return on Equity (ROE) | 9.1547% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.3199% | 1,916 |
| Net charge-offs to loans | 0.0313% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 197.4286% | 403 |
| Efficiency ratio | 32.6550% | 5,616 |
| Assets per employee ($millions) | 9.0716% | 439 |
| Cash dividends to net income (ytd only)* | 41.8888% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.6673% | 5,477 |
| Net loans and leases to deposits | 38.5223% | 5,380 |
| Net loans and leases to core deposits | 40.3630% | 5,379 |
| Total domestic deposits to total assets | 71.8215% | 5,329 |
| Equity capital to assets | 20.2114% | 198 |
| Core capital (leverage) ratio | 17.2092% | 356 |
| Tier 1 risk-based capital ratio | 38.3861% | 247 |
| Total risk-based capital ratio | 39.0503% | 250 |
| Memoranda: | ||
| Average total assets | $72,006,000 | 4,747 |
| Average earning assets | $66,785,800 | 4,730 |
| Average equity | $14,342,400 | 3,801 |
| Average total loans | $22,380,200 | 5,242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 4,867 |
| Cost of funding earning assets | 0.4005% | 3,188 |
| Net interest margin | 3.0679% | 4,779 |
| Noninterest income to average assets | 0.1002% | 5,478 |
| Noninterest expense to average assets | 1.0241% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8256% | 449 |
| Return on assets (ROA) | 1.8256% | 458 |
| Pretax return on assets | 1.9184% | 655 |
| Return on Equity (ROE) | 9.1997% | 2,498 |
| Retained earnings to average equity (ytd only) | 4.5251% | 3,205 |
| Net charge-offs to loans | 0.0466% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 129.2062% | 597 |
| Efficiency ratio | 32.8499% | 5,676 |
| Assets per employee ($millions) | 8.8293% | 464 |
| Cash dividends to net income (ytd only)* | 50.8129% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 29.0243% | 5,518 |
| Net loans and leases to deposits | 40.4774% | 5,410 |
| Net loans and leases to core deposits | 42.4715% | 5,408 |
| Total domestic deposits to total assets | 71.7048% | 5,396 |
| Equity capital to assets | 20.4972% | 207 |
| Core capital (leverage) ratio | 17.2237% | 362 |
| Tier 1 risk-based capital ratio | 36.4829% | 291 |
| Total risk-based capital ratio | 37.1265% | 302 |
| Memoranda: | ||
| Average total assets | $71,864,250 | 4,797 |
| Average earning assets | $66,581,000 | 4,785 |
| Average equity | $14,261,000 | 3,855 |
| Average total loans | $22,903,500 | 5,283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 4,907 |
| Cost of funding earning assets | 0.4011% | 3,064 |
| Net interest margin | 3.0319% | 4,839 |
| Noninterest income to average assets | 0.0969% | 5,528 |
| Noninterest expense to average assets | 1.0073% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8042% | 446 |
| Return on assets (ROA) | 1.8042% | 462 |
| Pretax return on assets | 1.8928% | 669 |
| Return on Equity (ROE) | 9.1904% | 2,416 |
| Retained earnings to average equity (ytd only) | 3.5521% | 3,593 |
| Net charge-offs to loans | -0.0085% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8244% | 5,727 |
| Assets per employee ($millions) | 8.8865% | 436 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 4,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.4664% | 5,490 |
| Net loans and leases to deposits | 45.5876% | 5,295 |
| Net loans and leases to core deposits | 47.8293% | 5,288 |
| Total domestic deposits to total assets | 71.2176% | 5,500 |
| Equity capital to assets | 20.0684% | 218 |
| Core capital (leverage) ratio | 16.3914% | 431 |
| Tier 1 risk-based capital ratio | 34.8759% | 312 |
| Total risk-based capital ratio | 35.5313% | 316 |
| Memoranda: | ||
| Average total assets | $72,274,330 | 4,817 |
| Average earning assets | $66,823,670 | 4,806 |
| Average equity | $14,188,670 | 3,870 |
| Average total loans | $23,635,330 | 5,296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 5,080 |
| Cost of funding earning assets | 0.4107% | 2,894 |
| Net interest margin | 2.9044% | 5,077 |
| Noninterest income to average assets | 0.0823% | 5,641 |
| Noninterest expense to average assets | 1.0320% | 5,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6414% | 623 |
| Return on assets (ROA) | 1.6414% | 639 |
| Pretax return on assets | 1.7292% | 939 |
| Return on Equity (ROE) | 8.4526% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.4526% | 1,291 |
| Net charge-offs to loans | -0.0168% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3877% | 5,759 |
| Assets per employee ($millions) | 9.0875% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.7111% | 5,515 |
| Net loans and leases to deposits | 45.1655% | 5,327 |
| Net loans and leases to core deposits | 47.8886% | 5,306 |
| Total domestic deposits to total assets | 72.4250% | 5,522 |
| Equity capital to assets | 19.6823% | 222 |
| Core capital (leverage) ratio | 16.3619% | 419 |
| Tier 1 risk-based capital ratio | 34.5549% | 335 |
| Total risk-based capital ratio | 35.2021% | 348 |
| Memoranda: | ||
| Average total assets | $72,865,500 | 4,853 |
| Average earning assets | $67,207,500 | 4,850 |
| Average equity | $14,149,500 | 3,901 |
| Average total loans | $23,804,500 | 5,341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,241 |
| Cost of funding earning assets | 0.4172% | 2,835 |
| Net interest margin | 3.2729% | 4,225 |
| Noninterest income to average assets | 0.0984% | 5,651 |
| Noninterest expense to average assets | 1.0072% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9853% | 327 |
| Return on assets (ROA) | 1.9853% | 345 |
| Pretax return on assets | 2.0906% | 407 |
| Return on Equity (ROE) | 10.3177% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.7456% | 1,856 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6798% | 5,868 |
| Assets per employee ($millions) | 9.1289% | 411 |
| Cash dividends to net income (ytd only)* | 44.3126% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 32.0371% | 5,597 |
| Net loans and leases to deposits | 44.7507% | 5,409 |
| Net loans and leases to core deposits | 47.4642% | 5,390 |
| Total domestic deposits to total assets | 71.5901% | 5,589 |
| Equity capital to assets | 19.1562% | 235 |
| Core capital (leverage) ratio | 15.7142% | 496 |
| Tier 1 risk-based capital ratio | 34.3520% | 341 |
| Total risk-based capital ratio | 35.0084% | 347 |
| Memoranda: | ||
| Average total assets | $72,179,400 | 4,884 |
| Average earning assets | $66,149,000 | 4,888 |
| Average equity | $13,888,800 | 3,955 |
| Average total loans | $24,744,000 | 5,363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 3,980 |
| Cost of funding earning assets | 0.4174% | 2,863 |
| Net interest margin | 3.3638% | 3,978 |
| Noninterest income to average assets | 0.1000% | 5,711 |
| Noninterest expense to average assets | 1.0153% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0528% | 316 |
| Return on assets (ROA) | 2.0528% | 328 |
| Pretax return on assets | 2.1602% | 419 |
| Return on Equity (ROE) | 10.6560% | 1,806 |
| Retained earnings to average equity (ytd only) | 8.9249% | 838 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1634% | 5,933 |
| Assets per employee ($millions) | 8.9999% | 414 |
| Cash dividends to net income (ytd only)* | 16.2452% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.8324% | 5,627 |
| Net loans and leases to deposits | 48.0842% | 5,376 |
| Net loans and leases to core deposits | 51.0949% | 5,348 |
| Total domestic deposits to total assets | 70.3607% | 5,677 |
| Equity capital to assets | 19.7975% | 233 |
| Core capital (leverage) ratio | 16.0951% | 457 |
| Tier 1 risk-based capital ratio | 34.2661% | 351 |
| Total risk-based capital ratio | 34.9137% | 365 |
| Memoranda: | ||
| Average total assets | $71,966,500 | 4,932 |
| Average earning assets | $65,797,500 | 4,940 |
| Average equity | $13,863,500 | 3,992 |
| Average total loans | $25,027,000 | 5,404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,720 |
| Cost of funding earning assets | 0.4179% | 2,854 |
| Net interest margin | 3.4466% | 3,699 |
| Noninterest income to average assets | 0.0973% | 5,790 |
| Noninterest expense to average assets | 1.0173% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1152% | 268 |
| Return on assets (ROA) | 2.1152% | 286 |
| Pretax return on assets | 2.2208% | 365 |
| Return on Equity (ROE) | 11.0825% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.3350% | 765 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6996% | 6,014 |
| Assets per employee ($millions) | 9.0271% | 381 |
| Cash dividends to net income (ytd only)* | 15.7687% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,976 |
| Loan loss allowance to noncurrent loans | 651.5152% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,386 |
| Noncurrent loans to loans | 0.1371% | 4,892 |
| Net loans and leases to total assets | 33.0352% | 5,708 |
| Net loans and leases to deposits | 46.9811% | 5,461 |
| Net loans and leases to core deposits | 49.6504% | 5,448 |
| Total domestic deposits to total assets | 70.3159% | 5,769 |
| Equity capital to assets | 19.4109% | 237 |
| Core capital (leverage) ratio | 15.7684% | 491 |
| Tier 1 risk-based capital ratio | 31.3806% | 440 |
| Total risk-based capital ratio | 31.9908% | 461 |
| Memoranda: | ||
| Average total assets | $71,955,670 | 4,978 |
| Average earning assets | $65,572,330 | 4,992 |
| Average equity | $13,733,330 | 4,029 |
| Average total loans | $25,178,000 | 5,456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,082 |
| Cost of funding earning assets | 0.4156% | 2,895 |
| Net interest margin | 3.3496% | 4,042 |
| Noninterest income to average assets | 0.0947% | 5,840 |
| Noninterest expense to average assets | 1.0247% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0216% | 318 |
| Return on assets (ROA) | 2.0216% | 332 |
| Pretax return on assets | 2.1218% | 443 |
| Return on Equity (ROE) | 10.6835% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.6835% | 710 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7965% | 6,068 |
| Assets per employee ($millions) | 8.9290% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 5,279 |
| Loan loss allowance to noncurrent loans | 651.5152% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 5,442 |
| Noncurrent loans to loans | 0.1278% | 4,961 |
| Net loans and leases to total assets | 35.8551% | 5,645 |
| Net loans and leases to deposits | 50.5487% | 5,311 |
| Net loans and leases to core deposits | 53.4162% | 5,291 |
| Total domestic deposits to total assets | 70.9318% | 5,824 |
| Equity capital to assets | 19.2827% | 243 |
| Core capital (leverage) ratio | 15.5489% | 528 |
| Tier 1 risk-based capital ratio | 31.2092% | 458 |
| Total risk-based capital ratio | 31.8305% | 474 |
| Memoranda: | ||
| Average total assets | $71,825,000 | 5,034 |
| Average earning assets | $65,441,500 | 5,038 |
| Average equity | $13,591,000 | 4,063 |
| Average total loans | $25,731,000 | 5,491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,102 |
| Cost of funding earning assets | 0.4134% | 3,015 |
| Net interest margin | 3.3669% | 4,052 |
| Noninterest income to average assets | 0.1175% | 5,813 |
| Noninterest expense to average assets | 1.0523% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0658% | 313 |
| Return on assets (ROA) | 2.0658% | 321 |
| Pretax return on assets | 2.1737% | 369 |
| Return on Equity (ROE) | 11.4932% | 1,439 |
| Retained earnings to average equity (ytd only) | 8.1083% | 876 |
| Net charge-offs to loans | 0.1011% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 60.4615% | 866 |
| Efficiency ratio | 30.8616% | 6,134 |
| Assets per employee ($millions) | 9.0273% | 381 |
| Cash dividends to net income (ytd only)* | 29.4511% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 5,304 |
| Loan loss allowance to noncurrent loans | 767.8571% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 5,522 |
| Noncurrent loans to loans | 0.1092% | 5,067 |
| Net loans and leases to total assets | 35.1990% | 5,735 |
| Net loans and leases to deposits | 49.1512% | 5,431 |
| Net loans and leases to core deposits | 52.4113% | 5,397 |
| Total domestic deposits to total assets | 71.6137% | 5,818 |
| Equity capital to assets | 18.5660% | 273 |
| Core capital (leverage) ratio | 15.1523% | 590 |
| Tier 1 risk-based capital ratio | 30.8850% | 469 |
| Total risk-based capital ratio | 31.5195% | 485 |
| Memoranda: | ||
| Average total assets | $72,319,400 | 5,034 |
| Average earning assets | $66,768,400 | 5,026 |
| Average equity | $12,999,000 | 4,145 |
| Average total loans | $25,725,600 | 5,526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,274 |
| Cost of funding earning assets | 0.4148% | 3,067 |
| Net interest margin | 3.3302% | 4,217 |
| Noninterest income to average assets | 0.1198% | 5,876 |
| Noninterest expense to average assets | 1.0689% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0346% | 343 |
| Return on assets (ROA) | 2.0346% | 358 |
| Pretax return on assets | 2.1434% | 464 |
| Return on Equity (ROE) | 11.4134% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.5526% | 727 |
| Net charge-offs to loans | 0.1346% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 44.7254% | 1,138 |
| Efficiency ratio | 31.4974% | 6,217 |
| Assets per employee ($millions) | 8.8795% | 384 |
| Cash dividends to net income (ytd only)* | 16.3041% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 5,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.6833% | 5,793 |
| Net loans and leases to deposits | 51.1121% | 5,413 |
| Net loans and leases to core deposits | 54.6517% | 5,375 |
| Total domestic deposits to total assets | 69.8139% | 5,982 |
| Equity capital to assets | 18.7257% | 292 |
| Core capital (leverage) ratio | 14.7436% | 689 |
| Tier 1 risk-based capital ratio | 25.4608% | 811 |
| Total risk-based capital ratio | 25.9906% | 869 |
| Memoranda: | ||
| Average total assets | $72,344,750 | 5,091 |
| Average earning assets | $67,181,500 | 5,072 |
| Average equity | $12,896,750 | 4,203 |
| Average total loans | $25,748,250 | 5,589 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,352 |
| Cost of funding earning assets | 0.4151% | 3,096 |
| Net interest margin | 3.3056% | 4,282 |
| Noninterest income to average assets | 0.1072% | 6,000 |
| Noninterest expense to average assets | 1.0167% | 6,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0445% | 341 |
| Return on assets (ROA) | 2.0445% | 358 |
| Pretax return on assets | 2.1544% | 452 |
| Return on Equity (ROE) | 11.6599% | 1,485 |
| Retained earnings to average equity (ytd only) | 9.7793% | 708 |
| Net charge-offs to loans | 0.2015% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.1538% | 1,363 |
| Efficiency ratio | 30.3293% | 6,296 |
| Assets per employee ($millions) | 9.0990% | 359 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 5,272 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.0452% | 5,818 |
| Net loans and leases to deposits | 49.4376% | 5,536 |
| Net loans and leases to core deposits | 54.2511% | 5,405 |
| Total domestic deposits to total assets | 72.9105% | 5,878 |
| Equity capital to assets | 17.8289% | 352 |
| Core capital (leverage) ratio | 14.1214% | 809 |
| Tier 1 risk-based capital ratio | 24.9087% | 872 |
| Total risk-based capital ratio | 25.4428% | 926 |
| Memoranda: | ||
| Average total assets | $72,781,000 | 5,135 |
| Average earning assets | $67,460,330 | 5,116 |
| Average equity | $12,761,670 | 4,247 |
| Average total loans | $25,810,000 | 5,641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,437 |
| Cost of funding earning assets | 0.4141% | 3,147 |
| Net interest margin | 3.2657% | 4,364 |
| Noninterest income to average assets | 0.0989% | 6,089 |
| Noninterest expense to average assets | 1.0223% | 6,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9952% | 345 |
| Return on assets (ROA) | 1.9952% | 361 |
| Pretax return on assets | 2.1106% | 472 |
| Return on Equity (ROE) | 11.4751% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.4751% | 649 |
| Net charge-offs to loans | 0.0157% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 146 |
| Efficiency ratio | 30.8772% | 6,362 |
| Assets per employee ($millions) | 9.1784% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 5,311 |
| Loan loss allowance to noncurrent loans | 178.3582% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 5,221 |
| Noncurrent loans to loans | 0.5247% | 3,995 |
| Net loans and leases to total assets | 34.4519% | 5,906 |
| Net loans and leases to deposits | 47.6636% | 5,580 |
| Net loans and leases to core deposits | 52.2946% | 5,470 |
| Total domestic deposits to total assets | 72.2813% | 6,026 |
| Equity capital to assets | 17.4977% | 378 |
| Core capital (leverage) ratio | 13.8792% | 862 |
| Tier 1 risk-based capital ratio | 24.8536% | 898 |
| Total risk-based capital ratio | 25.4620% | 958 |
| Memoranda: | ||
| Average total assets | $72,775,500 | 5,177 |
| Average earning assets | $67,612,500 | 5,154 |
| Average equity | $12,653,500 | 4,296 |
| Average total loans | $25,488,500 | 5,699 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,993 |
| Cost of funding earning assets | 0.4363% | 3,320 |
| Net interest margin | 3.4998% | 3,795 |
| Noninterest income to average assets | 0.1200% | 6,086 |
| Noninterest expense to average assets | 1.0359% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1987% | 227 |
| Return on assets (ROA) | 2.1987% | 224 |
| Pretax return on assets | 2.3146% | 260 |
| Return on Equity (ROE) | 13.4788% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.6038% | 432 |
| Net charge-offs to loans | 0.0156% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 419.5000% | 126 |
| Efficiency ratio | 29.2301% | 6,466 |
| Assets per employee ($millions) | 10.3034% | 223 |
| Cash dividends to net income (ytd only)* | 21.3300% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 5,299 |
| Loan loss allowance to noncurrent loans | 181.2030% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 5,293 |
| Noncurrent loans to loans | 0.5228% | 4,105 |
| Net loans and leases to total assets | 34.9398% | 5,997 |
| Net loans and leases to deposits | 47.1884% | 5,733 |
| Net loans and leases to core deposits | 51.9920% | 5,614 |
| Total domestic deposits to total assets | 74.0433% | 5,947 |
| Equity capital to assets | 17.2744% | 392 |
| Core capital (leverage) ratio | 13.2074% | 1,058 |
| Tier 1 risk-based capital ratio | 28.0476% | 612 |
| Total risk-based capital ratio | 28.7773% | 626 |
| Memoranda: | ||
| Average total assets | $72,496,600 | 5,218 |
| Average earning assets | $66,919,000 | 5,205 |
| Average equity | $11,826,000 | 4,392 |
| Average total loans | $25,568,200 | 5,756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,069 |
| Cost of funding earning assets | 0.4383% | 3,384 |
| Net interest margin | 3.4883% | 3,878 |
| Noninterest income to average assets | 0.1212% | 6,159 |
| Noninterest expense to average assets | 1.0525% | 6,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1747% | 252 |
| Return on assets (ROA) | 2.1747% | 258 |
| Pretax return on assets | 2.2849% | 309 |
| Return on Equity (ROE) | 13.5299% | 1,085 |
| Retained earnings to average equity (ytd only) | 11.4729% | 461 |
| Net charge-offs to loans | 0.0208% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 311.1876% | 225 |
| Efficiency ratio | 29.8294% | 6,545 |
| Assets per employee ($millions) | 8.9855% | 339 |
| Cash dividends to net income (ytd only)* | 15.2024% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 5,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,827 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 34.4722% | 6,097 |
| Net loans and leases to deposits | 47.2549% | 5,809 |
| Net loans and leases to core deposits | 52.1574% | 5,675 |
| Total domestic deposits to total assets | 72.9495% | 6,099 |
| Equity capital to assets | 16.9913% | 427 |
| Core capital (leverage) ratio | 12.8776% | 1,234 |
| Tier 1 risk-based capital ratio | 27.1477% | 696 |
| Total risk-based capital ratio | 27.8744% | 719 |
| Memoranda: | ||
| Average total assets | $72,589,750 | 5,276 |
| Average earning assets | $66,927,500 | 5,255 |
| Average equity | $11,667,750 | 4,455 |
| Average total loans | $25,600,000 | 5,809 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 4,208 |
| Cost of funding earning assets | 0.4441% | 3,398 |
| Net interest margin | 3.4393% | 4,019 |
| Noninterest income to average assets | 0.1126% | 6,231 |
| Noninterest expense to average assets | 1.0738% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1037% | 276 |
| Return on assets (ROA) | 2.1037% | 288 |
| Pretax return on assets | 2.2080% | 357 |
| Return on Equity (ROE) | 13.3384% | 1,086 |
| Retained earnings to average equity (ytd only) | 11.2488% | 505 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0460% | 6,601 |
| Assets per employee ($millions) | 9.1089% | 315 |
| Cash dividends to net income (ytd only)* | 15.6658% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 5,624 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,944 |
| Noncurrent loans to loans | 0.2131% | 5,376 |
| Net loans and leases to total assets | 35.7289% | 6,063 |
| Net loans and leases to deposits | 47.3761% | 5,804 |
| Net loans and leases to core deposits | 51.2732% | 5,718 |
| Total domestic deposits to total assets | 75.4155% | 5,979 |
| Equity capital to assets | 16.3000% | 501 |
| Core capital (leverage) ratio | 12.1498% | 1,573 |
| Tier 1 risk-based capital ratio | 25.1229% | 858 |
| Total risk-based capital ratio | 25.8358% | 903 |
| Memoranda: | ||
| Average total assets | $72,825,000 | 5,316 |
| Average earning assets | $67,107,000 | 5,296 |
| Average equity | $11,485,670 | 4,502 |
| Average total loans | $25,793,000 | 5,846 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,262 |
| Cost of funding earning assets | 0.4439% | 3,491 |
| Net interest margin | 3.4131% | 4,062 |
| Noninterest income to average assets | 0.0989% | 6,337 |
| Noninterest expense to average assets | 1.0659% | 6,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0549% | 306 |
| Return on assets (ROA) | 2.0549% | 318 |
| Pretax return on assets | 2.1593% | 383 |
| Return on Equity (ROE) | 13.2513% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.2513% | 458 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3458% | 6,665 |
| Assets per employee ($millions) | 8.1739% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 5,706 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.7611% | 6,135 |
| Net loans and leases to deposits | 45.5780% | 5,879 |
| Net loans and leases to core deposits | 50.2012% | 5,748 |
| Total domestic deposits to total assets | 76.2672% | 6,050 |
| Equity capital to assets | 15.6637% | 578 |
| Core capital (leverage) ratio | 11.8653% | 1,726 |
| Tier 1 risk-based capital ratio | 24.8446% | 906 |
| Total risk-based capital ratio | 25.5734% | 946 |
| Memoranda: | ||
| Average total assets | $72,802,000 | 5,371 |
| Average earning assets | $66,683,500 | 5,357 |
| Average equity | $11,289,500 | 4,546 |
| Average total loans | $25,549,000 | 5,910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 4,173 |
| Cost of funding earning assets | 0.4655% | 3,959 |
| Net interest margin | 3.5096% | 3,858 |
| Noninterest income to average assets | 0.1296% | 6,277 |
| Noninterest expense to average assets | 1.2559% | 6,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.0265% | 327 |
| Return on assets (ROA) | 2.0320% | 325 |
| Pretax return on assets | 2.1430% | 345 |
| Return on Equity (ROE) | 13.2439% | 1,120 |
| Retained earnings to average equity (ytd only) | 10.9236% | 426 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2916% | 6,736 |
| Assets per employee ($millions) | 8.0043% | 473 |
| Cash dividends to net income (ytd only)* | 17.5193% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 5,706 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 34.7534% | 6,258 |
| Net loans and leases to deposits | 45.1416% | 6,066 |
| Net loans and leases to core deposits | 49.7783% | 5,953 |
| Total domestic deposits to total assets | 76.9875% | 5,969 |
| Equity capital to assets | 15.3472% | 613 |
| Core capital (leverage) ratio | 11.5446% | 1,927 |
| Tier 1 risk-based capital ratio | 24.4530% | 908 |
| Total risk-based capital ratio | 25.2048% | 950 |
| Memoranda: | ||
| Average total assets | $70,228,000 | 5,474 |
| Average earning assets | $65,305,800 | 5,426 |
| Average equity | $10,774,800 | 4,686 |
| Average total loans | $25,703,800 | 5,947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 4,171 |
| Cost of funding earning assets | 0.4712% | 4,056 |
| Net interest margin | 3.5183% | 3,797 |
| Noninterest income to average assets | 0.1376% | 6,337 |
| Noninterest expense to average assets | 1.2478% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0448% | 335 |
| Return on assets (ROA) | 2.0484% | 342 |
| Pretax return on assets | 2.1612% | 426 |
| Return on Equity (ROE) | 13.3523% | 1,152 |
| Retained earnings to average equity (ytd only) | 11.4840% | 504 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9607% | 6,809 |
| Assets per employee ($millions) | 7.1252% | 696 |
| Cash dividends to net income (ytd only)* | 13.9929% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,056 |
| 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 | 37.9203% | 6,177 |
| Net loans and leases to deposits | 51.6675% | 5,733 |
| Net loans and leases to core deposits | 56.1329% | 5,614 |
| Total domestic deposits to total assets | 73.3930% | 6,407 |
| Equity capital to assets | 15.2122% | 679 |
| Core capital (leverage) ratio | 11.2553% | 2,243 |
| Tier 1 risk-based capital ratio | 22.6469% | 1,204 |
| Total risk-based capital ratio | 23.3703% | 1,282 |
| Memoranda: | ||
| Average total assets | $69,775,250 | 5,542 |
| Average earning assets | $64,802,000 | 5,497 |
| Average equity | $10,704,500 | 4,755 |
| Average total loans | $25,809,500 | 5,998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 4,191 |
| Cost of funding earning assets | 0.4636% | 4,276 |
| Net interest margin | 3.5156% | 3,718 |
| Noninterest income to average assets | 0.1357% | 6,376 |
| Noninterest expense to average assets | 1.2615% | 6,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0240% | 344 |
| Return on assets (ROA) | 2.0322% | 360 |
| Pretax return on assets | 2.1448% | 461 |
| Return on Equity (ROE) | 13.2087% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.3324% | 592 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4291% | 6,849 |
| Assets per employee ($millions) | 7.0231% | 713 |
| Cash dividends to net income (ytd only)* | 14.2045% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,108 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,571 |
| Noncurrent loans to loans | 0.0074% | 6,416 |
| Net loans and leases to total assets | 38.0131% | 6,178 |
| Net loans and leases to deposits | 49.5049% | 5,881 |
| Net loans and leases to core deposits | 52.7744% | 5,831 |
| Total domestic deposits to total assets | 76.7866% | 6,155 |
| Equity capital to assets | 15.1714% | 680 |
| Core capital (leverage) ratio | 10.9029% | 2,452 |
| Tier 1 risk-based capital ratio | 21.8900% | 1,304 |
| Total risk-based capital ratio | 22.6174% | 1,383 |
| Memoranda: | ||
| Average total assets | $69,283,000 | 5,593 |
| Average earning assets | $64,284,330 | 5,552 |
| Average equity | $10,659,670 | 4,798 |
| Average total loans | $25,324,670 | 6,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,451 |
| Cost of funding earning assets | 0.4569% | 4,515 |
| Net interest margin | 3.4488% | 3,916 |
| Noninterest income to average assets | 0.1337% | 6,427 |
| Noninterest expense to average assets | 1.2905% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9428% | 378 |
| Return on assets (ROA) | 1.9649% | 393 |
| Pretax return on assets | 2.0695% | 529 |
| Return on Equity (ROE) | 12.6805% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.6805% | 598 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9338% | 6,914 |
| Assets per employee ($millions) | 6.8484% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,015 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,640 |
| Noncurrent loans to loans | 0.0081% | 6,484 |
| Net loans and leases to total assets | 35.7558% | 6,317 |
| Net loans and leases to deposits | 45.8627% | 6,065 |
| Net loans and leases to core deposits | 48.9133% | 6,038 |
| Total domestic deposits to total assets | 77.9627% | 6,114 |
| Equity capital to assets | 15.7365% | 601 |
| Core capital (leverage) ratio | 10.7548% | 2,493 |
| Tier 1 risk-based capital ratio | 22.2854% | 1,279 |
| Total risk-based capital ratio | 23.0547% | 1,343 |
| Memoranda: | ||
| Average total assets | $68,809,000 | 5,667 |
| Average earning assets | $63,906,500 | 5,620 |
| Average equity | $10,662,000 | 4,845 |
| Average total loans | $24,516,000 | 6,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 4,286 |
| Cost of funding earning assets | 0.5404% | 4,902 |
| Net interest margin | 3.7372% | 3,490 |
| Noninterest income to average assets | 0.1495% | 6,292 |
| Noninterest expense to average assets | 1.2277% | 6,978 |
| Loan and lease loss provision to assets | 0.0906% | 4,556 |
| Net operating income to assets | 2.1556% | 276 |
| Return on assets (ROA) | 2.1896% | 283 |
| Pretax return on assets | 2.3240% | 323 |
| Return on Equity (ROE) | 14.8038% | 846 |
| Retained earnings to average equity (ytd only) | 9.6990% | 659 |
| Net charge-offs to loans | 0.0162% | 5,685 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 393.7500% | 103 |
| Efficiency ratio | 32.3283% | 7,014 |
| Assets per employee ($millions) | 6.9134% | 800 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,931 |
| 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 | 34.7947% | 6,503 |
| Net loans and leases to deposits | 45.0907% | 6,300 |
| Net loans and leases to core deposits | 47.6167% | 6,290 |
| Total domestic deposits to total assets | 77.1661% | 6,206 |
| Equity capital to assets | 15.2559% | 688 |
| Core capital (leverage) ratio | 10.3495% | 2,945 |
| Tier 1 risk-based capital ratio | 21.0689% | 1,442 |
| Total risk-based capital ratio | 21.8337% | 1,521 |
| Memoranda: | ||
| Average total assets | $66,221,400 | 5,730 |
| Average earning assets | $61,248,800 | 5,696 |
| Average equity | $9,794,800 | 5,025 |
| Average total loans | $24,692,000 | 6,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 4,226 |
| Cost of funding earning assets | 0.5598% | 4,998 |
| Net interest margin | 3.7949% | 3,356 |
| Noninterest income to average assets | 0.1527% | 6,386 |
| Noninterest expense to average assets | 1.3457% | 7,019 |
| Loan and lease loss provision to assets | 0.1221% | 4,025 |
| Net operating income to assets | 2.1009% | 327 |
| Return on assets (ROA) | 2.1498% | 346 |
| Pretax return on assets | 2.2414% | 450 |
| Return on Equity (ROE) | 14.6559% | 968 |
| Retained earnings to average equity (ytd only) | 9.2433% | 1,143 |
| Net charge-offs to loans | 0.0215% | 5,365 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 284.1707% | 161 |
| Efficiency ratio | 35.0584% | 7,082 |
| Assets per employee ($millions) | 6.6142% | 896 |
| Cash dividends to net income (ytd only)* | 36.9322% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,092 |
| 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 | 36.7784% | 6,500 |
| Net loans and leases to deposits | 46.8763% | 6,327 |
| Net loans and leases to core deposits | 49.3278% | 6,320 |
| Total domestic deposits to total assets | 78.4585% | 5,975 |
| Equity capital to assets | 15.2445% | 764 |
| Core capital (leverage) ratio | 10.1099% | 3,395 |
| Tier 1 risk-based capital ratio | 20.6118% | 1,618 |
| Total risk-based capital ratio | 21.3941% | 1,692 |
| Memoranda: | ||
| Average total assets | $65,493,250 | 5,830 |
| Average earning assets | $60,500,750 | 5,788 |
| Average equity | $9,606,750 | 5,128 |
| Average total loans | $24,790,000 | 6,289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 4,174 |
| Cost of funding earning assets | 0.5807% | 5,069 |
| Net interest margin | 3.8229% | 3,251 |
| Noninterest income to average assets | 0.1440% | 6,476 |
| Noninterest expense to average assets | 1.3726% | 7,068 |
| Loan and lease loss provision to assets | 0.1838% | 3,266 |
| Net operating income to assets | 2.0283% | 379 |
| Return on assets (ROA) | 2.1018% | 380 |
| Pretax return on assets | 2.1937% | 486 |
| Return on Equity (ROE) | 14.5216% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.9594% | 1,652 |
| Net charge-offs to loans | 0.0322% | 4,925 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 187.7500% | 239 |
| Efficiency ratio | 35.6964% | 7,123 |
| Assets per employee ($millions) | 6.6931% | 858 |
| Cash dividends to net income (ytd only)* | 45.1895% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,152 |
| 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 | 36.1731% | 6,604 |
| Net loans and leases to deposits | 45.6958% | 6,461 |
| Net loans and leases to core deposits | 47.0994% | 6,507 |
| Total domestic deposits to total assets | 79.1606% | 5,932 |
| Equity capital to assets | 14.4597% | 927 |
| Core capital (leverage) ratio | 9.8255% | 3,678 |
| Tier 1 risk-based capital ratio | 19.7269% | 1,780 |
| Total risk-based capital ratio | 20.5122% | 1,872 |
| Memoranda: | ||
| Average total assets | $65,277,000 | 5,874 |
| Average earning assets | $60,268,000 | 5,832 |
| Average equity | $9,448,000 | 5,167 |
| Average total loans | $24,863,000 | 6,328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 4,182 |
| Cost of funding earning assets | 0.6065% | 5,079 |
| Net interest margin | 3.8279% | 3,252 |
| Noninterest income to average assets | 0.1365% | 6,567 |
| Noninterest expense to average assets | 1.3840% | 7,121 |
| Loan and lease loss provision to assets | 0.1862% | 3,111 |
| Net operating income to assets | 2.0047% | 415 |
| Return on assets (ROA) | 2.1536% | 368 |
| Pretax return on assets | 2.2467% | 495 |
| Return on Equity (ROE) | 14.8720% | 997 |
| Retained earnings to average equity (ytd only) | 14.8720% | 460 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1017% | 7,181 |
| Assets per employee ($millions) | 6.6315% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 6,623 |
| 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 | 38.1181% | 6,484 |
| Net loans and leases to deposits | 47.8297% | 6,296 |
| Net loans and leases to core deposits | 49.0359% | 6,397 |
| Total domestic deposits to total assets | 79.6954% | 5,923 |
| Equity capital to assets | 14.3331% | 912 |
| Core capital (leverage) ratio | 9.9577% | 3,416 |
| Tier 1 risk-based capital ratio | 19.3373% | 1,889 |
| Total risk-based capital ratio | 20.0297% | 2,026 |
| Memoranda: | ||
| Average total assets | $64,450,000 | 5,946 |
| Average earning assets | $59,353,000 | 5,896 |
| Average equity | $9,333,000 | 5,207 |
| Average total loans | $25,066,500 | 6,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 3,487 |
| Cost of funding earning assets | 0.7497% | 5,213 |
| Net interest margin | 4.1225% | 2,341 |
| Noninterest income to average assets | 0.1651% | 6,309 |
| Noninterest expense to average assets | 1.4913% | 7,172 |
| Loan and lease loss provision to assets | 0.2005% | 4,182 |
| Net operating income to assets | 2.1578% | 242 |
| Return on assets (ROA) | 2.1788% | 246 |
| Pretax return on assets | 2.2664% | 325 |
| Return on Equity (ROE) | 15.8003% | 628 |
| Retained earnings to average equity (ytd only) | 7.2464% | 1,386 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1301% | 7,253 |
| Assets per employee ($millions) | 6.2585% | 1,069 |
| Cash dividends to net income (ytd only)* | 54.1377% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 6,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.0621% | 6,595 |
| Net loans and leases to deposits | 47.9391% | 6,497 |
| Net loans and leases to core deposits | 49.1931% | 6,575 |
| Total domestic deposits to total assets | 81.4828% | 5,297 |
| Equity capital to assets | 14.6377% | 863 |
| Core capital (leverage) ratio | 9.9377% | 3,410 |
| Tier 1 risk-based capital ratio | 19.2422% | 1,834 |
| Total risk-based capital ratio | 19.8737% | 1,977 |
| Memoranda: | ||
| Average total assets | $59,345,000 | 6,060 |
| Average earning assets | $54,287,200 | 6,036 |
| Average equity | $8,183,400 | 5,515 |
| Average total loans | $25,370,400 | 6,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 3,391 |
| Cost of funding earning assets | 0.7803% | 5,276 |
| Net interest margin | 4.1583% | 2,248 |
| Noninterest income to average assets | 0.1663% | 6,401 |
| Noninterest expense to average assets | 1.5580% | 7,190 |
| Loan and lease loss provision to assets | 0.2050% | 3,973 |
| Net operating income to assets | 2.1167% | 286 |
| Return on assets (ROA) | 2.1320% | 300 |
| Pretax return on assets | 2.2186% | 412 |
| Return on Equity (ROE) | 15.7195% | 715 |
| Retained earnings to average equity (ytd only) | 7.3223% | 1,800 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5072% | 7,296 |
| Assets per employee ($millions) | 5.8846% | 1,280 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 7,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 42.6469% | 6,451 |
| Net loans and leases to deposits | 54.1364% | 6,203 |
| Net loans and leases to core deposits | 54.7267% | 6,408 |
| Total domestic deposits to total assets | 78.7768% | 6,030 |
| Equity capital to assets | 15.3553% | 759 |
| Core capital (leverage) ratio | 9.9355% | 3,522 |
| Tier 1 risk-based capital ratio | 18.5565% | 2,077 |
| Total risk-based capital ratio | 19.0874% | 2,282 |
| Memoranda: | ||
| Average total assets | $58,535,000 | 6,132 |
| Average earning assets | $53,482,500 | 6,113 |
| Average equity | $7,939,000 | 5,617 |
| Average total loans | $25,554,000 | 6,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 3,992 |
| Cost of funding earning assets | 0.8031% | 5,345 |
| Net interest margin | 4.0191% | 2,750 |
| Noninterest income to average assets | 0.1540% | 6,550 |
| Noninterest expense to average assets | 1.5540% | 7,279 |
| Loan and lease loss provision to assets | 0.2054% | 3,869 |
| Net operating income to assets | 1.9748% | 356 |
| Return on assets (ROA) | 1.9715% | 379 |
| Pretax return on assets | 2.0571% | 524 |
| Return on Equity (ROE) | 15.2113% | 760 |
| Retained earnings to average equity (ytd only) | 4.6479% | 3,222 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8889% | 7,352 |
| Assets per employee ($millions) | 5.9921% | 1,191 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4968% | 7,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 43.4522% | 6,479 |
| Net loans and leases to deposits | 53.4410% | 6,351 |
| Net loans and leases to core deposits | 53.9951% | 6,556 |
| Total domestic deposits to total assets | 81.3087% | 5,421 |
| Equity capital to assets | 13.2725% | 1,399 |
| Core capital (leverage) ratio | 9.3198% | 4,222 |
| Tier 1 risk-based capital ratio | 16.9761% | 2,536 |
| Total risk-based capital ratio | 17.3907% | 2,878 |
| Memoranda: | ||
| Average total assets | $58,431,330 | 6,193 |
| Average earning assets | $53,295,000 | 6,171 |
| Average equity | $7,573,330 | 5,740 |
| Average total loans | $25,653,330 | 6,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 4,556 |
| Cost of funding earning assets | 0.8317% | 5,380 |
| Net interest margin | 3.8609% | 3,334 |
| Noninterest income to average assets | 0.1525% | 6,630 |
| Noninterest expense to average assets | 1.5671% | 7,325 |
| Loan and lease loss provision to assets | 0.2080% | 3,559 |
| Net operating income to assets | 1.7959% | 494 |
| Return on assets (ROA) | 1.7959% | 518 |
| Pretax return on assets | 1.8861% | 700 |
| Return on Equity (ROE) | 14.0313% | 984 |
| Retained earnings to average equity (ytd only) | 14.0313% | 470 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9091% | 7,374 |
| Assets per employee ($millions) | 5.8363% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4118% | 7,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.4389% | 6,678 |
| Net loans and leases to deposits | 49.7041% | 6,644 |
| Net loans and leases to core deposits | 50.2201% | 6,764 |
| Total domestic deposits to total assets | 83.3713% | 4,758 |
| Equity capital to assets | 12.8934% | 1,430 |
| Core capital (leverage) ratio | 9.9312% | 3,226 |
| Tier 1 risk-based capital ratio | 18.2319% | 2,044 |
| Total risk-based capital ratio | 18.5698% | 2,342 |
| Memoranda: | ||
| Average total assets | $57,686,500 | 6,271 |
| Average earning assets | $52,423,000 | 6,259 |
| Average equity | $7,383,500 | 5,811 |
| Average total loans | $25,396,500 | 6,565 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7186% | 7,527 |
| Cost of funding earning assets | 0.5662% | 7,190 |
| Net interest margin | 2.1523% | 7,409 |
| Noninterest income to average assets | 0.1068% | 6,861 |
| Noninterest expense to average assets | 0.9195% | 7,588 |
| Loan and lease loss provision to assets | 0.1226% | 5,936 |
| Net operating income to assets | 1.0216% | 1,962 |
| Return on assets (ROA) | 1.0631% | 1,917 |
| Pretax return on assets | 1.1192% | 2,506 |
| Return on Equity (ROE) | 8.9531% | 2,309 |
| Retained earnings to average equity (ytd only) | 0.1032% | 5,533 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4392% | 7,482 |
| Assets per employee ($millions) | 5.7010% | 1,421 |
| Cash dividends to net income (ytd only)* | 98.8468% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2641% | 7,499 |
| 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 | 46.3743% | 6,531 |
| Net loans and leases to deposits | 56.0923% | 6,441 |
| Net loans and leases to core deposits | 56.6938% | 6,653 |
| Total domestic deposits to total assets | 82.6750% | 4,933 |
| Equity capital to assets | 12.7030% | 1,525 |
| Core capital (leverage) ratio | 9.3144% | 3,986 |
| Tier 1 risk-based capital ratio | 16.6423% | 2,485 |
| Total risk-based capital ratio | 16.8696% | 2,900 |
| Memoranda: | ||
| Average total assets | $57,094,600 | 6,306 |
| Average earning assets | $53,337,200 | 6,243 |
| Average equity | $6,779,800 | 6,110 |
| Average total loans | $26,059,600 | 6,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0493% | 7,686 |
| Cost of funding earning assets | 0.4452% | 7,521 |
| Net interest margin | 1.6041% | 7,658 |
| Noninterest income to average assets | 0.0817% | 7,126 |
| Noninterest expense to average assets | 0.7166% | 7,722 |
| Loan and lease loss provision to assets | 0.0934% | 6,093 |
| Net operating income to assets | 0.7387% | 3,240 |
| Return on assets (ROA) | 0.7587% | 3,340 |
| Pretax return on assets | 0.7984% | 3,911 |
| Return on Equity (ROE) | 6.5022% | 3,576 |
| Retained earnings to average equity (ytd only) | 4.5015% | 3,347 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0882% | 7,496 |
| Assets per employee ($millions) | 5.5323% | 1,599 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1588% | 7,653 |
| 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 | 45.4693% | 6,745 |
| Net loans and leases to deposits | 56.9594% | 6,545 |
| Net loans and leases to core deposits | 57.6183% | 6,755 |
| Total domestic deposits to total assets | 79.8276% | 5,765 |
| Equity capital to assets | 15.1944% | 847 |
| Core capital (leverage) ratio | 9.8767% | 3,387 |
| Tier 1 risk-based capital ratio | 16.7410% | 2,437 |
| Total risk-based capital ratio | 16.8665% | 2,904 |
| Memoranda: | ||
| Average total assets | $57,115,750 | 6,385 |
| Average earning assets | $53,611,000 | 6,294 |
| Average equity | $6,664,250 | 6,218 |
| Average total loans | $25,947,500 | 6,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7462% | 7,805 |
| Cost of funding earning assets | 0.1756% | 7,754 |
| Net interest margin | 0.5706% | 7,792 |
| Noninterest income to average assets | 0.0347% | 7,412 |
| Noninterest expense to average assets | 0.2738% | 7,814 |
| Loan and lease loss provision to assets | 0.0347% | 6,608 |
| Net operating income to assets | 0.2538% | 5,363 |
| Return on assets (ROA) | 0.2703% | 5,446 |
| Pretax return on assets | 0.2842% | 5,546 |
| Return on Equity (ROE) | 2.5642% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.5642% | 4,512 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7831% | 7,449 |
| Assets per employee ($millions) | 5.8379% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0395% | 7,752 |
| 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 | 43.3238% | 6,967 |
| Net loans and leases to deposits | 53.3271% | 6,903 |
| Net loans and leases to core deposits | 53.9011% | 7,043 |
| Total domestic deposits to total assets | 81.2415% | 5,317 |
| Equity capital to assets | 13.2993% | 1,439 |
| Core capital (leverage) ratio | 9.5923% | 3,684 |
| Tier 1 risk-based capital ratio | 16.1367% | 2,612 |
| Total risk-based capital ratio | 16.1679% | 3,168 |
| Memoranda: | ||
| Average total assets | $57,713,330 | 6,400 |
| Average earning assets | $54,679,670 | 6,297 |
| Average equity | $6,083,670 | 6,444 |
| Average total loans | $26,198,330 | 6,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 6,020 |
| Cost of funding earning assets | 1.2600% | 5,063 |
| Net interest margin | 3.5048% | 5,132 |
| Noninterest income to average assets | 0.1952% | 6,564 |
| Noninterest expense to average assets | 1.6521% | 7,619 |
| Loan and lease loss provision to assets | 0.0139% | 6,480 |
| Net operating income to assets | 1.8051% | 488 |
| Return on assets (ROA) | 1.7985% | 547 |
| Pretax return on assets | 1.8961% | 734 |
| Return on Equity (ROE) | 19.6815% | 399 |
| Retained earnings to average equity (ytd only) | 12.0530% | 741 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2891% | 7,536 |
| Assets per employee ($millions) | 5.7033% | 1,493 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,628 |
| 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 | 44.8758% | 6,911 |
| Net loans and leases to deposits | 53.9844% | 6,918 |
| Net loans and leases to core deposits | 54.5598% | 7,074 |
| Total domestic deposits to total assets | 83.1273% | 4,560 |
| Equity capital to assets | 9.4068% | 4,668 |
| Core capital (leverage) ratio | 8.6433% | 5,129 |
| Tier 1 risk-based capital ratio | 17.0432% | 2,256 |
| Total risk-based capital ratio | 17.8967% | 2,350 |
| Memoranda: | ||
| Average total assets | $57,380,500 | 6,489 |
| Average earning assets | $55,238,500 | 6,353 |
| Average equity | $5,243,500 | 6,760 |
| Average total loans | $26,646,500 | 6,799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 5,105 |
| Cost of funding earning assets | 1.5770% | 5,144 |
| Net interest margin | 3.7380% | 3,960 |
| Noninterest income to average assets | 0.2634% | 6,233 |
| Noninterest expense to average assets | 1.9848% | 7,384 |
| Loan and lease loss provision to assets | 0.0188% | 7,315 |
| Net operating income to assets | 1.7792% | 375 |
| Return on assets (ROA) | 1.8418% | 335 |
| Pretax return on assets | 1.9377% | 466 |
| Return on Equity (ROE) | 20.9457% | 204 |
| Retained earnings to average equity (ytd only) | 9.6491% | 407 |
| Net charge-offs to loans | 0.0338% | 6,790 |
| Credit loss provision to net charge-offs | 111.1111% | 4,944 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 254 |
| Efficiency ratio | 51.2136% | 7,455 |
| Assets per employee ($millions) | 5.7728% | 1,403 |
| Cash dividends to net income (ytd only)* | 53.9326% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,811 |
| 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 | 47.1227% | 6,887 |
| Net loans and leases to deposits | 56.4436% | 6,895 |
| Net loans and leases to core deposits | 68.1967% | 6,871 |
| Total domestic deposits to total assets | 83.4863% | 4,292 |
| Equity capital to assets | 8.8726% | 5,321 |
| Core capital (leverage) ratio | 8.9841% | 4,448 |
| Tier 1 risk-based capital ratio | 15.7132% | 2,637 |
| Total risk-based capital ratio | 16.5197% | 2,774 |
| Memoranda: | ||
| Average total assets | $53,155,000 | 6,590 |
| Average earning assets | $51,364,400 | 6,480 |
| Average equity | $4,674,000 | 7,059 |
| Average total loans | $26,652,400 | 6,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 4,622 |
| Cost of funding earning assets | 1.6678% | 5,074 |
| Net interest margin | 3.7936% | 3,684 |
| Noninterest income to average assets | 0.2589% | 6,382 |
| Noninterest expense to average assets | 2.0790% | 7,228 |
| Loan and lease loss provision to assets | 0.0256% | 7,098 |
| Net operating income to assets | 1.7591% | 496 |
| Return on assets (ROA) | 1.8354% | 436 |
| Pretax return on assets | 1.9072% | 651 |
| Return on Equity (ROE) | 20.9259% | 265 |
| Retained earnings to average equity (ytd only) | 7.2481% | 1,417 |
| Net charge-offs to loans | 0.0454% | 6,274 |
| Credit loss provision to net charge-offs | 111.1111% | 4,573 |
| Earnings coverage of net charge-offs (x) | 80.3317% | 419 |
| Efficiency ratio | 52.8683% | 7,342 |
| Assets per employee ($millions) | 5.2244% | 1,863 |
| Cash dividends to net income (ytd only)* | 65.3629% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,715 |
| 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 | 51.4164% | 6,665 |
| Net loans and leases to deposits | 64.7667% | 6,421 |
| Net loans and leases to core deposits | 78.0237% | 6,489 |
| Total domestic deposits to total assets | 79.3871% | 5,666 |
| Equity capital to assets | 9.4671% | 4,787 |
| Core capital (leverage) ratio | 8.6970% | 5,131 |
| Tier 1 risk-based capital ratio | 15.6584% | 2,749 |
| Total risk-based capital ratio | 16.4974% | 2,875 |
| Memoranda: | ||
| Average total assets | $52,011,750 | 6,686 |
| Average earning assets | $50,364,250 | 6,562 |
| Average equity | $4,562,000 | 7,158 |
| Average total loans | $26,453,000 | 6,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 5,493 |
| Cost of funding earning assets | 1.7175% | 5,185 |
| Net interest margin | 3.6139% | 4,308 |
| Noninterest income to average assets | 0.3466% | 5,732 |
| Noninterest expense to average assets | 2.0988% | 7,277 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6814% | 585 |
| Return on assets (ROA) | 1.8292% | 477 |
| Pretax return on assets | 1.9024% | 692 |
| Return on Equity (ROE) | 21.4253% | 264 |
| Retained earnings to average equity (ytd only) | 11.4569% | 503 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5546% | 7,274 |
| Assets per employee ($millions) | 5.2520% | 1,815 |
| Cash dividends to net income (ytd only)* | 46.5263% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,604 |
| 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 | 49.4288% | 6,922 |
| Net loans and leases to deposits | 62.1960% | 6,716 |
| Net loans and leases to core deposits | 74.3031% | 6,771 |
| Total domestic deposits to total assets | 79.4726% | 5,659 |
| Equity capital to assets | 8.7471% | 5,690 |
| Core capital (leverage) ratio | 8.8116% | 4,929 |
| Tier 1 risk-based capital ratio | 17.1919% | 2,239 |
| Total risk-based capital ratio | 18.1083% | 2,297 |
| Memoranda: | ||
| Average total assets | $51,934,330 | 6,748 |
| Average earning assets | $50,305,670 | 6,618 |
| Average equity | $4,434,000 | 7,262 |
| Average total loans | $26,234,330 | 6,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 5,474 |
| Cost of funding earning assets | 1.7838% | 5,190 |
| Net interest margin | 3.6076% | 4,285 |
| Noninterest income to average assets | 0.3486% | 5,657 |
| Noninterest expense to average assets | 1.9829% | 7,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7896% | 540 |
| Return on assets (ROA) | 1.7970% | 584 |
| Pretax return on assets | 1.8667% | 864 |
| Return on Equity (ROE) | 21.3137% | 341 |
| Retained earnings to average equity (ytd only) | 10.2894% | 1,122 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6129% | 7,452 |
| Assets per employee ($millions) | 5.2202% | 1,831 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,412 |
| 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 | 48.4560% | 6,987 |
| Net loans and leases to deposits | 60.5970% | 6,845 |
| Net loans and leases to core deposits | 71.6004% | 6,928 |
| Total domestic deposits to total assets | 79.9644% | 5,385 |
| Equity capital to assets | 8.5897% | 5,932 |
| Core capital (leverage) ratio | 8.6244% | 5,294 |
| Tier 1 risk-based capital ratio | 16.6462% | 2,464 |
| Total risk-based capital ratio | 17.5615% | 2,524 |
| Memoranda: | ||
| Average total assets | $51,641,500 | 6,798 |
| Average earning assets | $50,005,500 | 6,659 |
| Average equity | $4,354,000 | 7,335 |
| Average total loans | $26,248,500 | 6,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8092% | 6,394 |
| Cost of funding earning assets | 2.3403% | 4,970 |
| Net interest margin | 3.4689% | 5,407 |
| Noninterest income to average assets | 0.3381% | 6,034 |
| Noninterest expense to average assets | 1.8820% | 7,645 |
| Loan and lease loss provision to assets | 0.0195% | 7,140 |
| Net operating income to assets | 1.7030% | 671 |
| Return on assets (ROA) | 1.7237% | 619 |
| Pretax return on assets | 1.8038% | 938 |
| Return on Equity (ROE) | 21.7006% | 268 |
| Retained earnings to average equity (ytd only) | 8.4637% | 718 |
| Net charge-offs to loans | 0.0617% | 5,897 |
| Credit loss provision to net charge-offs | 58.8235% | 6,244 |
| Earnings coverage of net charge-offs (x) | 54.2353% | 725 |
| Efficiency ratio | 51.0875% | 7,579 |
| Assets per employee ($millions) | 4.6437% | 2,411 |
| Cash dividends to net income (ytd only)* | 60.9977% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,607 |
| 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% | 7,569 |
| Net loans and leases to total assets | 52.2895% | 6,821 |
| Net loans and leases to deposits | 64.9010% | 6,724 |
| Net loans and leases to core deposits | 76.6076% | 6,828 |
| Total domestic deposits to total assets | 80.5681% | 4,816 |
| Equity capital to assets | 8.2692% | 6,461 |
| Core capital (leverage) ratio | 8.5400% | 5,500 |
| Tier 1 risk-based capital ratio | 15.8181% | 2,738 |
| Total risk-based capital ratio | 16.7102% | 2,796 |
| Memoranda: | ||
| Average total assets | $51,169,400 | 6,727 |
| Average earning assets | $49,352,400 | 6,621 |
| Average equity | $4,064,400 | 7,490 |
| Average total loans | $27,537,800 | 6,873 |