Home > Peoples Savings Bank > Performance and Condition Ratios
Peoples Savings 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 | 5.5459% | 519 |
| Cost of funding earning assets | 1.4624% | 430 |
| Net interest margin | 4.0835% | 1,657 |
| Noninterest income to average assets | 0.1271% | 4,939 |
| Noninterest expense to average assets | 2.4103% | 3,713 |
| Loan and lease loss provision to assets | 0.1907% | 924 |
| Net operating income to assets | 1.3094% | 1,737 |
| Return on assets (ROA) | 1.3094% | 1,802 |
| Pretax return on assets | 1.3882% | 2,239 |
| Return on Equity (ROE) | 12.5850% | 1,378 |
| Retained earnings to average equity (ytd only) | -4.1543% | 5,025 |
| Net charge-offs to loans | 0.1265% | 1,187 |
| Credit loss provision to net charge-offs | 166.6667% | 1,382 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 2,075 |
| Efficiency ratio | 60.4207% | 3,663 |
| Assets per employee ($millions) | 7.2176% | 913 |
| Cash dividends to net income (ytd only)* | 133.0097% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,754 |
| Loan loss allowance to noncurrent loans | 1,927.2727% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,489 |
| Noncurrent loans to loans | 0.0601% | 4,413 |
| Net loans and leases to total assets | 91.1832% | 34 |
| Net loans and leases to deposits | 127.7601% | 50 |
| Net loans and leases to core deposits | 132.2676% | 282 |
| Total domestic deposits to total assets | 71.3706% | 5,001 |
| Equity capital to assets | 10.2577% | 3,740 |
| Core capital (leverage) ratio | 10.6679% | 2,918 |
| Tier 1 risk-based capital ratio | 11.5480% | 4,659 |
| Total risk-based capital ratio | 12.7505% | 4,580 |
| Memoranda: | ||
| Average total assets | $78,663,670 | 4,398 |
| Average earning assets | $74,397,670 | 4,365 |
| Average equity | $8,184,330 | 4,560 |
| Average total loans | $71,132,330 | 3,815 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 515 |
| Cost of funding earning assets | 1.4751% | 352 |
| Net interest margin | 4.0364% | 1,727 |
| Noninterest income to average assets | 0.1379% | 4,908 |
| Noninterest expense to average assets | 2.1405% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7216% | 701 |
| Return on assets (ROA) | 1.7216% | 728 |
| Pretax return on assets | 1.8136% | 956 |
| Return on Equity (ROE) | 16.4300% | 541 |
| Retained earnings to average equity (ytd only) | -10.5796% | 5,129 |
| Net charge-offs to loans | -0.0057% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1344% | 4,520 |
| Assets per employee ($millions) | 7.2075% | 914 |
| Cash dividends to net income (ytd only)* | 164.3917% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,718 |
| Loan loss allowance to noncurrent loans | 890.2174% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,231 |
| Noncurrent loans to loans | 0.1319% | 4,144 |
| Net loans and leases to total assets | 86.9617% | 147 |
| Net loans and leases to deposits | 110.3826% | 208 |
| Net loans and leases to core deposits | 114.3310% | 723 |
| Total domestic deposits to total assets | 78.7821% | 4,387 |
| Equity capital to assets | 10.2116% | 3,609 |
| Core capital (leverage) ratio | 10.3840% | 3,181 |
| Tier 1 risk-based capital ratio | 11.9436% | 4,492 |
| Total risk-based capital ratio | 13.1519% | 4,414 |
| Memoranda: | ||
| Average total assets | $78,298,500 | 4,450 |
| Average earning assets | $74,027,000 | 4,414 |
| Average equity | $8,204,500 | 4,592 |
| Average total loans | $70,077,500 | 3,862 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4509% | 441 |
| Cost of funding earning assets | 1.0984% | 497 |
| Net interest margin | 4.3525% | 1,027 |
| Noninterest income to average assets | 0.1635% | 4,904 |
| Noninterest expense to average assets | 2.0604% | 4,630 |
| Loan and lease loss provision to assets | 0.0536% | 3,107 |
| Net operating income to assets | 2.0644% | 313 |
| Return on assets (ROA) | 2.0644% | 311 |
| Pretax return on assets | 2.1663% | 383 |
| Return on Equity (ROE) | 19.5065% | 284 |
| Retained earnings to average equity (ytd only) | 10.8299% | 467 |
| Net charge-offs to loans | -0.0044% | 4,329 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1365% | 5,037 |
| Assets per employee ($millions) | 7.0286% | 965 |
| Cash dividends to net income (ytd only)* | 44.4805% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,759 |
| Loan loss allowance to noncurrent loans | 421.6495% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,591 |
| Noncurrent loans to loans | 0.2756% | 3,585 |
| Net loans and leases to total assets | 89.9864% | 64 |
| Net loans and leases to deposits | 117.5597% | 128 |
| Net loans and leases to core deposits | 123.5557% | 455 |
| Total domestic deposits to total assets | 76.5453% | 4,690 |
| Equity capital to assets | 10.7521% | 2,928 |
| Core capital (leverage) ratio | 10.8863% | 2,641 |
| Tier 1 risk-based capital ratio | 12.0318% | 4,412 |
| Total risk-based capital ratio | 13.2157% | 4,340 |
| Memoranda: | ||
| Average total assets | $74,596,600 | 4,518 |
| Average earning assets | $70,557,600 | 4,486 |
| Average equity | $7,894,800 | 4,629 |
| Average total loans | $68,498,000 | 3,901 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 464 |
| Cost of funding earning assets | 1.0358% | 509 |
| Net interest margin | 4.3235% | 1,064 |
| Noninterest income to average assets | 0.1714% | 4,930 |
| Noninterest expense to average assets | 2.0744% | 4,599 |
| Loan and lease loss provision to assets | 0.0721% | 2,517 |
| Net operating income to assets | 2.0292% | 354 |
| Return on assets (ROA) | 2.0292% | 353 |
| Pretax return on assets | 2.1357% | 445 |
| Return on Equity (ROE) | 19.2543% | 318 |
| Retained earnings to average equity (ytd only) | 11.8094% | 509 |
| Net charge-offs to loans | -0.0059% | 4,255 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4414% | 5,030 |
| Assets per employee ($millions) | 6.9699% | 944 |
| Cash dividends to net income (ytd only)* | 38.6670% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,837 |
| 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 | 90.7642% | 52 |
| Net loans and leases to deposits | 127.4832% | 60 |
| Net loans and leases to core deposits | 149.2344% | 138 |
| Total domestic deposits to total assets | 71.1970% | 5,172 |
| Equity capital to assets | 10.6275% | 3,019 |
| Core capital (leverage) ratio | 11.0649% | 2,517 |
| Tier 1 risk-based capital ratio | 11.8838% | 4,565 |
| Total risk-based capital ratio | 13.0768% | 4,473 |
| Memoranda: | ||
| Average total assets | $73,917,000 | 4,577 |
| Average earning assets | $70,280,000 | 4,535 |
| Average equity | $7,790,250 | 4,685 |
| Average total loans | $68,024,750 | 3,949 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 477 |
| Cost of funding earning assets | 0.9849% | 498 |
| Net interest margin | 4.3109% | 1,014 |
| Noninterest income to average assets | 0.1616% | 5,016 |
| Noninterest expense to average assets | 2.1288% | 4,542 |
| Loan and lease loss provision to assets | 0.1096% | 1,792 |
| Net operating income to assets | 1.9233% | 441 |
| Return on assets (ROA) | 1.9233% | 439 |
| Pretax return on assets | 2.0247% | 576 |
| Return on Equity (ROE) | 18.3027% | 392 |
| Retained earnings to average equity (ytd only) | 11.0025% | 675 |
| Net charge-offs to loans | -0.0089% | 4,282 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9357% | 5,029 |
| Assets per employee ($millions) | 6.6077% | 1,128 |
| Cash dividends to net income (ytd only)* | 39.8860% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,534 |
| 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 | 90.1121% | 69 |
| Net loans and leases to deposits | 118.8798% | 120 |
| Net loans and leases to core deposits | 137.1399% | 223 |
| Total domestic deposits to total assets | 75.8011% | 4,872 |
| Equity capital to assets | 10.8413% | 2,792 |
| Core capital (leverage) ratio | 10.8035% | 2,695 |
| Tier 1 risk-based capital ratio | 12.2180% | 4,362 |
| Total risk-based capital ratio | 13.4677% | 4,239 |
| Memoranda: | ||
| Average total assets | $72,999,670 | 4,639 |
| Average earning assets | $69,451,670 | 4,597 |
| Average equity | $7,671,000 | 4,753 |
| Average total loans | $67,231,000 | 3,993 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 536 |
| Cost of funding earning assets | 0.8794% | 664 |
| Net interest margin | 4.2764% | 988 |
| Noninterest income to average assets | 0.1640% | 5,038 |
| Noninterest expense to average assets | 2.0996% | 4,664 |
| Loan and lease loss provision to assets | 0.1640% | 1,092 |
| Net operating income to assets | 1.8700% | 485 |
| Return on assets (ROA) | 1.8700% | 489 |
| Pretax return on assets | 1.9684% | 619 |
| Return on Equity (ROE) | 18.0797% | 400 |
| Retained earnings to average equity (ytd only) | 11.4716% | 794 |
| Net charge-offs to loans | -0.0059% | 4,062 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6124% | 5,107 |
| Assets per employee ($millions) | 6.7679% | 1,059 |
| Cash dividends to net income (ytd only)* | 36.5497% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,008 |
| Loan loss allowance to noncurrent loans | 5,373.3333% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,011 |
| Noncurrent loans to loans | 0.0217% | 4,884 |
| Net loans and leases to total assets | 91.8815% | 28 |
| Net loans and leases to deposits | 123.2575% | 83 |
| Net loans and leases to core deposits | 145.3435% | 162 |
| Total domestic deposits to total assets | 74.5443% | 5,103 |
| Equity capital to assets | 10.3093% | 3,270 |
| Core capital (leverage) ratio | 10.7734% | 2,658 |
| Tier 1 risk-based capital ratio | 11.5256% | 4,847 |
| Total risk-based capital ratio | 12.7360% | 4,766 |
| Memoranda: | ||
| Average total assets | $73,157,000 | 4,688 |
| Average earning assets | $69,592,000 | 4,649 |
| Average equity | $7,566,500 | 4,814 |
| Average total loans | $67,688,500 | 4,017 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 419 |
| Cost of funding earning assets | 0.8028% | 614 |
| Net interest margin | 4.4261% | 723 |
| Noninterest income to average assets | 0.2322% | 4,745 |
| Noninterest expense to average assets | 2.1587% | 4,626 |
| Loan and lease loss provision to assets | 0.1720% | 1,277 |
| Net operating income to assets | 1.9509% | 312 |
| Return on assets (ROA) | 1.9509% | 316 |
| Pretax return on assets | 2.0584% | 430 |
| Return on Equity (ROE) | 19.0190% | 241 |
| Retained earnings to average equity (ytd only) | 9.4326% | 433 |
| Net charge-offs to loans | -0.0093% | 4,773 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1835% | 5,261 |
| Assets per employee ($millions) | 6.5334% | 1,193 |
| Cash dividends to net income (ytd only)* | 50.4041% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,943 |
| 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 | 90.9917% | 49 |
| Net loans and leases to deposits | 118.8445% | 123 |
| Net loans and leases to core deposits | 140.3072% | 208 |
| Total domestic deposits to total assets | 76.5637% | 4,912 |
| Equity capital to assets | 10.3775% | 3,299 |
| Core capital (leverage) ratio | 10.4084% | 2,955 |
| Tier 1 risk-based capital ratio | 11.8792% | 4,610 |
| Total risk-based capital ratio | 13.1136% | 4,508 |
| Memoranda: | ||
| Average total assets | $69,764,000 | 4,779 |
| Average earning assets | $65,520,400 | 4,755 |
| Average equity | $7,156,000 | 4,917 |
| Average total loans | $64,441,800 | 4,089 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 408 |
| Cost of funding earning assets | 0.7761% | 665 |
| Net interest margin | 4.4392% | 678 |
| Noninterest income to average assets | 0.2600% | 4,645 |
| Noninterest expense to average assets | 2.1664% | 4,600 |
| Loan and lease loss provision to assets | 0.1733% | 1,160 |
| Net operating income to assets | 1.9796% | 329 |
| Return on assets (ROA) | 1.9796% | 334 |
| Pretax return on assets | 2.0836% | 464 |
| Return on Equity (ROE) | 19.3578% | 255 |
| Retained earnings to average equity (ytd only) | 11.2606% | 379 |
| Net charge-offs to loans | -0.0104% | 4,646 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9769% | 5,289 |
| Assets per employee ($millions) | 6.5758% | 1,140 |
| Cash dividends to net income (ytd only)* | 41.8289% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,357 |
| 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 | 90.5342% | 64 |
| Net loans and leases to deposits | 121.7593% | 78 |
| Net loans and leases to core deposits | 144.3049% | 158 |
| Total domestic deposits to total assets | 74.3551% | 5,202 |
| Equity capital to assets | 10.2041% | 3,690 |
| Core capital (leverage) ratio | 10.5859% | 2,893 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,035 |
| Total risk-based capital ratio | 12.5202% | 4,991 |
| Memoranda: | ||
| Average total assets | $69,238,250 | 4,838 |
| Average earning assets | $64,935,250 | 4,816 |
| Average equity | $7,080,500 | 4,981 |
| Average total loans | $64,010,250 | 4,134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 370 |
| Cost of funding earning assets | 0.7539% | 671 |
| Net interest margin | 4.4763% | 599 |
| Noninterest income to average assets | 0.2962% | 4,421 |
| Noninterest expense to average assets | 2.2285% | 4,505 |
| Loan and lease loss provision to assets | 0.1759% | 1,090 |
| Net operating income to assets | 1.9822% | 319 |
| Return on assets (ROA) | 1.9822% | 324 |
| Pretax return on assets | 2.0878% | 459 |
| Return on Equity (ROE) | 19.3687% | 249 |
| Retained earnings to average equity (ytd only) | 11.3462% | 391 |
| Net charge-offs to loans | -0.0126% | 4,612 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6084% | 5,325 |
| Assets per employee ($millions) | 6.2469% | 1,291 |
| Cash dividends to net income (ytd only)* | 41.4201% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,475 |
| 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 | 91.7588% | 42 |
| Net loans and leases to deposits | 116.9055% | 139 |
| Net loans and leases to core deposits | 138.4441% | 199 |
| Total domestic deposits to total assets | 78.4897% | 4,737 |
| Equity capital to assets | 10.4473% | 3,407 |
| Core capital (leverage) ratio | 10.4860% | 2,932 |
| Tier 1 risk-based capital ratio | 11.3457% | 5,057 |
| Total risk-based capital ratio | 12.4725% | 5,021 |
| Memoranda: | ||
| Average total assets | $68,206,330 | 4,894 |
| Average earning assets | $63,936,670 | 4,868 |
| Average equity | $6,980,330 | 5,028 |
| Average total loans | $63,270,000 | 4,165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 429 |
| Cost of funding earning assets | 0.7221% | 756 |
| Net interest margin | 4.4014% | 635 |
| Noninterest income to average assets | 0.2767% | 4,566 |
| Noninterest expense to average assets | 2.2487% | 4,539 |
| Loan and lease loss provision to assets | 0.1766% | 996 |
| Net operating income to assets | 1.8778% | 383 |
| Return on assets (ROA) | 1.8778% | 398 |
| Pretax return on assets | 1.9779% | 525 |
| Return on Equity (ROE) | 18.5438% | 308 |
| Retained earnings to average equity (ytd only) | 11.2774% | 563 |
| Net charge-offs to loans | -0.0063% | 4,254 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0695% | 5,325 |
| Assets per employee ($millions) | 6.2515% | 1,325 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,900 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,247 |
| Noncurrent loans to loans | 0.0235% | 5,128 |
| Net loans and leases to total assets | 91.7314% | 24 |
| Net loans and leases to deposits | 116.0903% | 121 |
| Net loans and leases to core deposits | 120.7897% | 445 |
| Total domestic deposits to total assets | 79.0172% | 4,821 |
| Equity capital to assets | 10.1475% | 3,573 |
| Core capital (leverage) ratio | 10.3636% | 3,040 |
| Tier 1 risk-based capital ratio | 11.6681% | 4,936 |
| Total risk-based capital ratio | 12.8052% | 4,896 |
| Memoranda: | ||
| Average total assets | $67,951,500 | 4,950 |
| Average earning assets | $63,706,500 | 4,923 |
| Average equity | $6,881,000 | 5,087 |
| Average total loans | $63,022,000 | 4,207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 412 |
| Cost of funding earning assets | 0.7584% | 609 |
| Net interest margin | 4.4482% | 690 |
| Noninterest income to average assets | 0.1484% | 5,456 |
| Noninterest expense to average assets | 2.1958% | 4,781 |
| Loan and lease loss provision to assets | 0.0612% | 3,147 |
| Net operating income to assets | 1.9097% | 375 |
| Return on assets (ROA) | 1.9097% | 387 |
| Pretax return on assets | 2.0107% | 493 |
| Return on Equity (ROE) | 18.9516% | 267 |
| Retained earnings to average equity (ytd only) | 4.7835% | 2,488 |
| Net charge-offs to loans | 0.2949% | 940 |
| Credit loss provision to net charge-offs | 22.7273% | 3,655 |
| Earnings coverage of net charge-offs (x) | 7.6932% | 2,979 |
| Efficiency ratio | 51.4521% | 5,415 |
| Assets per employee ($millions) | 6.1034% | 1,403 |
| Cash dividends to net income (ytd only)* | 74.7596% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,060 |
| Loan loss allowance to noncurrent loans | 4,326.6667% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,229 |
| Noncurrent loans to loans | 0.0241% | 5,172 |
| Net loans and leases to total assets | 91.8048% | 37 |
| Net loans and leases to deposits | 120.2986% | 89 |
| Net loans and leases to core deposits | 133.6724% | 240 |
| Total domestic deposits to total assets | 76.3141% | 5,207 |
| Equity capital to assets | 10.1047% | 3,601 |
| Core capital (leverage) ratio | 10.2785% | 3,134 |
| Tier 1 risk-based capital ratio | 10.9573% | 5,361 |
| Total risk-based capital ratio | 12.0056% | 5,359 |
| Memoranda: | ||
| Average total assets | $65,350,800 | 5,022 |
| Average earning assets | $60,518,200 | 5,007 |
| Average equity | $6,585,200 | 5,170 |
| Average total loans | $59,677,800 | 4,309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 409 |
| Cost of funding earning assets | 0.7678% | 584 |
| Net interest margin | 4.4581% | 694 |
| Noninterest income to average assets | 0.1397% | 5,559 |
| Noninterest expense to average assets | 2.1981% | 4,776 |
| Loan and lease loss provision to assets | 0.0205% | 3,826 |
| Net operating income to assets | 1.9454% | 372 |
| Return on assets (ROA) | 1.9454% | 394 |
| Pretax return on assets | 2.0481% | 513 |
| Return on Equity (ROE) | 19.3197% | 274 |
| Retained earnings to average equity (ytd only) | 5.3858% | 2,559 |
| Net charge-offs to loans | 0.3840% | 575 |
| Credit loss provision to net charge-offs | 5.8824% | 3,389 |
| Earnings coverage of net charge-offs (x) | 5.9235% | 3,064 |
| Efficiency ratio | 51.5166% | 5,413 |
| Assets per employee ($millions) | 5.9153% | 1,505 |
| Cash dividends to net income (ytd only)* | 72.1219% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 4,168 |
| Loan loss allowance to noncurrent loans | 2,976.1905% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 4,974 |
| Noncurrent loans to loans | 0.0350% | 5,235 |
| Net loans and leases to total assets | 91.2061% | 46 |
| Net loans and leases to deposits | 113.6613% | 189 |
| Net loans and leases to core deposits | 126.0294% | 364 |
| Total domestic deposits to total assets | 80.2437% | 4,458 |
| Equity capital to assets | 10.3461% | 3,750 |
| Core capital (leverage) ratio | 10.7759% | 2,707 |
| Tier 1 risk-based capital ratio | 11.1457% | 5,289 |
| Total risk-based capital ratio | 12.1805% | 5,324 |
| Memoranda: | ||
| Average total assets | $64,904,250 | 5,074 |
| Average earning assets | $60,084,000 | 5,062 |
| Average equity | $6,535,500 | 5,229 |
| Average total loans | $59,026,250 | 4,363 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 394 |
| Cost of funding earning assets | 0.7718% | 563 |
| Net interest margin | 4.4779% | 645 |
| Noninterest income to average assets | 0.1141% | 5,727 |
| Noninterest expense to average assets | 2.2113% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9522% | 359 |
| Return on assets (ROA) | 1.9522% | 380 |
| Pretax return on assets | 2.0540% | 518 |
| Return on Equity (ROE) | 19.5672% | 259 |
| Retained earnings to average equity (ytd only) | 3.1221% | 3,917 |
| Net charge-offs to loans | 0.0477% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 47.5714% | 1,024 |
| Efficiency ratio | 51.8438% | 5,452 |
| Assets per employee ($millions) | 5.8002% | 1,548 |
| Cash dividends to net income (ytd only)* | 84.0442% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,112 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 89.5364% | 80 |
| Net loans and leases to deposits | 108.8923% | 278 |
| Net loans and leases to core deposits | 123.2758% | 429 |
| Total domestic deposits to total assets | 82.2247% | 3,928 |
| Equity capital to assets | 10.2959% | 3,867 |
| Core capital (leverage) ratio | 10.2779% | 3,233 |
| Tier 1 risk-based capital ratio | 11.3775% | 5,231 |
| Total risk-based capital ratio | 12.6280% | 5,125 |
| Memoranda: | ||
| Average total assets | $64,849,670 | 5,127 |
| Average earning assets | $60,117,330 | 5,107 |
| Average equity | $6,470,000 | 5,292 |
| Average total loans | $58,711,330 | 4,390 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 483 |
| Cost of funding earning assets | 0.7748% | 564 |
| Net interest margin | 4.3378% | 852 |
| Noninterest income to average assets | 0.0245% | 6,028 |
| Noninterest expense to average assets | 2.2027% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7377% | 524 |
| Return on assets (ROA) | 1.7377% | 560 |
| Pretax return on assets | 1.8295% | 808 |
| Return on Equity (ROE) | 17.6933% | 384 |
| Retained earnings to average equity (ytd only) | -5.9808% | 5,661 |
| Net charge-offs to loans | 0.1015% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.9333% | 1,486 |
| Efficiency ratio | 54.6282% | 5,321 |
| Assets per employee ($millions) | 5.8102% | 1,572 |
| Cash dividends to net income (ytd only)* | 133.8028% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,881 |
| Loan loss allowance to noncurrent loans | 305.5556% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 3,338 |
| Noncurrent loans to loans | 0.4264% | 3,916 |
| Net loans and leases to total assets | 91.2677% | 42 |
| Net loans and leases to deposits | 111.8223% | 189 |
| Net loans and leases to core deposits | 126.6771% | 325 |
| Total domestic deposits to total assets | 81.6185% | 4,324 |
| Equity capital to assets | 9.9715% | 4,112 |
| Core capital (leverage) ratio | 9.9120% | 3,650 |
| Tier 1 risk-based capital ratio | 10.7823% | 5,619 |
| Total risk-based capital ratio | 12.0326% | 5,523 |
| Memoranda: | ||
| Average total assets | $65,373,500 | 5,170 |
| Average earning assets | $60,399,000 | 5,147 |
| Average equity | $6,420,500 | 5,332 |
| Average total loans | $59,118,500 | 4,402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 418 |
| Cost of funding earning assets | 0.7997% | 491 |
| Net interest margin | 4.4158% | 773 |
| Noninterest income to average assets | 0.2059% | 5,362 |
| Noninterest expense to average assets | 2.2746% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9062% | 402 |
| Return on assets (ROA) | 1.9062% | 412 |
| Pretax return on assets | 1.9995% | 538 |
| Return on Equity (ROE) | 19.1012% | 299 |
| Retained earnings to average equity (ytd only) | 9.3652% | 567 |
| Net charge-offs to loans | 0.0601% | 3,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.5588% | 1,264 |
| Efficiency ratio | 53.2179% | 5,572 |
| Assets per employee ($millions) | 6.0759% | 1,334 |
| Cash dividends to net income (ytd only)* | 50.9705% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,765 |
| Loan loss allowance to noncurrent loans | 116.2963% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 1,233 |
| Noncurrent loans to loans | 1.1414% | 2,058 |
| Net loans and leases to total assets | 87.3061% | 153 |
| Net loans and leases to deposits | 104.9516% | 396 |
| Net loans and leases to core deposits | 119.8222% | 482 |
| Total domestic deposits to total assets | 83.1870% | 3,776 |
| Equity capital to assets | 9.6776% | 4,330 |
| Core capital (leverage) ratio | 9.8488% | 3,715 |
| Tier 1 risk-based capital ratio | 10.9205% | 5,559 |
| Total risk-based capital ratio | 12.1699% | 5,473 |
| Memoranda: | ||
| Average total assets | $62,164,000 | 5,272 |
| Average earning assets | $57,272,200 | 5,258 |
| Average equity | $6,203,800 | 5,397 |
| Average total loans | $56,607,600 | 4,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 410 |
| Cost of funding earning assets | 0.8099% | 470 |
| Net interest margin | 4.4365% | 740 |
| Noninterest income to average assets | 0.1945% | 5,484 |
| Noninterest expense to average assets | 2.2405% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9367% | 401 |
| Return on assets (ROA) | 1.9367% | 416 |
| Pretax return on assets | 2.0372% | 560 |
| Return on Equity (ROE) | 19.2465% | 321 |
| Retained earnings to average equity (ytd only) | 11.0353% | 472 |
| Net charge-offs to loans | 0.0572% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 38.8325% | 1,275 |
| Efficiency ratio | 52.3761% | 5,623 |
| Assets per employee ($millions) | 5.8369% | 1,478 |
| Cash dividends to net income (ytd only)* | 42.6640% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 2,827 |
| Loan loss allowance to noncurrent loans | 116.0584% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 1,184 |
| Noncurrent loans to loans | 1.1659% | 2,189 |
| Net loans and leases to total assets | 90.2673% | 58 |
| Net loans and leases to deposits | 112.7700% | 192 |
| Net loans and leases to core deposits | 119.4990% | 489 |
| Total domestic deposits to total assets | 80.0455% | 4,745 |
| Equity capital to assets | 9.9601% | 4,203 |
| Core capital (leverage) ratio | 10.1005% | 3,499 |
| Tier 1 risk-based capital ratio | 10.9556% | 5,677 |
| Total risk-based capital ratio | 12.2062% | 5,587 |
| Memoranda: | ||
| Average total assets | $60,996,250 | 5,365 |
| Average earning assets | $56,138,750 | 5,358 |
| Average equity | $6,137,750 | 5,473 |
| Average total loans | $55,975,500 | 4,540 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 391 |
| Cost of funding earning assets | 0.8212% | 446 |
| Net interest margin | 4.4354% | 716 |
| Noninterest income to average assets | 0.1769% | 5,638 |
| Noninterest expense to average assets | 2.2594% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9090% | 428 |
| Return on assets (ROA) | 1.9090% | 449 |
| Pretax return on assets | 2.0091% | 585 |
| Return on Equity (ROE) | 18.9028% | 342 |
| Retained earnings to average equity (ytd only) | 10.7403% | 542 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9320% | 5,654 |
| Assets per employee ($millions) | 5.0872% | 2,159 |
| Cash dividends to net income (ytd only)* | 43.1818% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 2,415 |
| Loan loss allowance to noncurrent loans | 200.2445% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 1,920 |
| Noncurrent loans to loans | 0.7337% | 3,280 |
| Net loans and leases to total assets | 89.9764% | 65 |
| Net loans and leases to deposits | 117.0453% | 136 |
| Net loans and leases to core deposits | 124.4551% | 364 |
| Total domestic deposits to total assets | 76.8732% | 5,478 |
| Equity capital to assets | 10.1759% | 3,832 |
| Core capital (leverage) ratio | 10.2662% | 3,260 |
| Tier 1 risk-based capital ratio | 11.2620% | 5,593 |
| Total risk-based capital ratio | 12.5147% | 5,517 |
| Memoranda: | ||
| Average total assets | $59,926,330 | 5,452 |
| Average earning assets | $55,282,670 | 5,432 |
| Average equity | $6,052,000 | 5,542 |
| Average total loans | $55,050,000 | 4,610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 376 |
| Cost of funding earning assets | 0.8292% | 424 |
| Net interest margin | 4.4296% | 691 |
| Noninterest income to average assets | 0.1617% | 5,769 |
| Noninterest expense to average assets | 2.2033% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9607% | 360 |
| Return on assets (ROA) | 1.9607% | 382 |
| Pretax return on assets | 2.0618% | 528 |
| Return on Equity (ROE) | 19.4910% | 291 |
| Retained earnings to average equity (ytd only) | 11.3865% | 663 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6588% | 5,828 |
| Assets per employee ($millions) | 5.4450% | 1,842 |
| Cash dividends to net income (ytd only)* | 41.5808% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 2,485 |
| Loan loss allowance to noncurrent loans | 123.9032% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6445% | 1,541 |
| Noncurrent loans to loans | 1.2025% | 2,367 |
| Net loans and leases to total assets | 90.4099% | 49 |
| Net loans and leases to deposits | 114.8776% | 147 |
| Net loans and leases to core deposits | 122.8638% | 356 |
| Total domestic deposits to total assets | 78.7011% | 5,319 |
| Equity capital to assets | 10.1127% | 4,003 |
| Core capital (leverage) ratio | 10.1766% | 3,372 |
| Tier 1 risk-based capital ratio | 11.6208% | 5,483 |
| Total risk-based capital ratio | 12.8736% | 5,395 |
| Memoranda: | ||
| Average total assets | $59,366,500 | 5,512 |
| Average earning assets | $54,994,000 | 5,491 |
| Average equity | $5,972,000 | 5,604 |
| Average total loans | $54,702,000 | 4,646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1191% | 607 |
| Cost of funding earning assets | 0.8541% | 493 |
| Net interest margin | 4.2650% | 1,128 |
| Noninterest income to average assets | 0.1678% | 5,854 |
| Noninterest expense to average assets | 2.1594% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8574% | 422 |
| Return on assets (ROA) | 1.8574% | 435 |
| Pretax return on assets | 1.9463% | 563 |
| Return on Equity (ROE) | 18.9101% | 320 |
| Retained earnings to average equity (ytd only) | 4.3731% | 3,066 |
| Net charge-offs to loans | 0.0036% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 580.0000% | 89 |
| Efficiency ratio | 52.5950% | 5,940 |
| Assets per employee ($millions) | 5.3489% | 1,905 |
| Cash dividends to net income (ytd only)* | 76.8744% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 2,449 |
| Loan loss allowance to noncurrent loans | 114.2259% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 1,528 |
| Noncurrent loans to loans | 1.3172% | 2,240 |
| Net loans and leases to total assets | 91.1231% | 43 |
| Net loans and leases to deposits | 113.9048% | 167 |
| Net loans and leases to core deposits | 124.3737% | 313 |
| Total domestic deposits to total assets | 79.9993% | 5,017 |
| Equity capital to assets | 10.0054% | 4,111 |
| Core capital (leverage) ratio | 9.9744% | 3,603 |
| Tier 1 risk-based capital ratio | 11.6048% | 5,603 |
| Total risk-based capital ratio | 12.8605% | 5,516 |
| Memoranda: | ||
| Average total assets | $59,599,800 | 5,560 |
| Average earning assets | $55,029,200 | 5,549 |
| Average equity | $5,854,000 | 5,653 |
| Average total loans | $54,877,200 | 4,656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 660 |
| Cost of funding earning assets | 0.8557% | 528 |
| Net interest margin | 4.2328% | 1,197 |
| Noninterest income to average assets | 0.1561% | 5,976 |
| Noninterest expense to average assets | 2.1363% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8286% | 486 |
| Return on assets (ROA) | 1.8286% | 499 |
| Pretax return on assets | 1.9245% | 677 |
| Return on Equity (ROE) | 18.7026% | 379 |
| Retained earnings to average equity (ytd only) | 10.1723% | 662 |
| Net charge-offs to loans | 0.0049% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 430.9513% | 173 |
| Efficiency ratio | 52.6085% | 5,951 |
| Assets per employee ($millions) | 5.3846% | 1,828 |
| Cash dividends to net income (ytd only)* | 45.6092% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,721 |
| Loan loss allowance to noncurrent loans | 124.6575% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 1,863 |
| Noncurrent loans to loans | 1.2018% | 2,641 |
| Net loans and leases to total assets | 90.9169% | 43 |
| Net loans and leases to deposits | 118.5179% | 112 |
| Net loans and leases to core deposits | 129.6802% | 236 |
| Total domestic deposits to total assets | 76.7115% | 5,726 |
| Equity capital to assets | 10.2581% | 3,850 |
| Core capital (leverage) ratio | 10.2494% | 3,340 |
| Tier 1 risk-based capital ratio | 11.8698% | 5,577 |
| Total risk-based capital ratio | 13.1258% | 5,491 |
| Memoranda: | ||
| Average total assets | $59,790,250 | 5,615 |
| Average earning assets | $55,155,500 | 5,611 |
| Average equity | $5,845,750 | 5,711 |
| Average total loans | $54,988,000 | 4,691 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 674 |
| Cost of funding earning assets | 0.8577% | 538 |
| Net interest margin | 4.1982% | 1,244 |
| Noninterest income to average assets | 0.1467% | 6,083 |
| Noninterest expense to average assets | 2.1542% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7674% | 518 |
| Return on assets (ROA) | 1.7674% | 540 |
| Pretax return on assets | 1.8607% | 739 |
| Return on Equity (ROE) | 18.3741% | 427 |
| Retained earnings to average equity (ytd only) | 9.7764% | 771 |
| Net charge-offs to loans | -0.0036% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6545% | 5,936 |
| Assets per employee ($millions) | 5.4974% | 1,695 |
| Cash dividends to net income (ytd only)* | 46.7925% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 3,003 |
| Loan loss allowance to noncurrent loans | 202.9630% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 2,814 |
| Noncurrent loans to loans | 0.7275% | 3,878 |
| Net loans and leases to total assets | 90.7030% | 40 |
| Net loans and leases to deposits | 114.6413% | 137 |
| Net loans and leases to core deposits | 125.4523% | 278 |
| Total domestic deposits to total assets | 79.1189% | 5,432 |
| Equity capital to assets | 9.7749% | 4,397 |
| Core capital (leverage) ratio | 10.0573% | 3,528 |
| Tier 1 risk-based capital ratio | 10.5302% | 6,241 |
| Total risk-based capital ratio | 11.7821% | 6,181 |
| Memoranda: | ||
| Average total assets | $59,976,670 | 5,662 |
| Average earning assets | $55,262,000 | 5,649 |
| Average equity | $5,769,000 | 5,758 |
| Average total loans | $55,094,000 | 4,716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 658 |
| Cost of funding earning assets | 0.8657% | 543 |
| Net interest margin | 4.1831% | 1,260 |
| Noninterest income to average assets | 0.1674% | 5,974 |
| Noninterest expense to average assets | 2.1765% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7479% | 526 |
| Return on assets (ROA) | 1.7479% | 541 |
| Pretax return on assets | 1.8416% | 747 |
| Return on Equity (ROE) | 18.3222% | 415 |
| Retained earnings to average equity (ytd only) | 9.7578% | 1,028 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1667% | 5,997 |
| Assets per employee ($millions) | 5.3691% | 1,837 |
| Cash dividends to net income (ytd only)* | 46.7433% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 3,012 |
| Loan loss allowance to noncurrent loans | 193.6321% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 3,356 |
| Noncurrent loans to loans | 0.7905% | 3,891 |
| Net loans and leases to total assets | 89.4226% | 52 |
| Net loans and leases to deposits | 110.5244% | 144 |
| Net loans and leases to core deposits | 124.1870% | 253 |
| Total domestic deposits to total assets | 80.9076% | 5,256 |
| Equity capital to assets | 9.7663% | 4,144 |
| Core capital (leverage) ratio | 9.5822% | 4,158 |
| Tier 1 risk-based capital ratio | 11.8678% | 5,719 |
| Total risk-based capital ratio | 13.1245% | 5,648 |
| Memoranda: | ||
| Average total assets | $59,729,500 | 5,721 |
| Average earning assets | $54,982,500 | 5,704 |
| Average equity | $5,698,000 | 5,821 |
| Average total loans | $54,805,500 | 4,763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 693 |
| Cost of funding earning assets | 0.9994% | 442 |
| Net interest margin | 4.1604% | 1,473 |
| Noninterest income to average assets | 0.1855% | 5,982 |
| Noninterest expense to average assets | 2.1125% | 5,804 |
| Loan and lease loss provision to assets | 0.1134% | 2,922 |
| Net operating income to assets | 1.7364% | 543 |
| Return on assets (ROA) | 1.7364% | 559 |
| Pretax return on assets | 1.8205% | 719 |
| Return on Equity (ROE) | 17.8616% | 421 |
| Retained earnings to average equity (ytd only) | 0.7774% | 5,489 |
| Net charge-offs to loans | -0.0794% | 6,432 |
| Credit loss provision to net charge-offs | -157.1429% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2071% | 6,278 |
| Assets per employee ($millions) | 5.4908% | 1,661 |
| Cash dividends to net income (ytd only)* | 95.6479% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,348 |
| Loan loss allowance to noncurrent loans | 158.8008% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 3,376 |
| Noncurrent loans to loans | 0.9236% | 3,681 |
| Net loans and leases to total assets | 91.3194% | 29 |
| Net loans and leases to deposits | 115.2059% | 108 |
| Net loans and leases to core deposits | 129.6720% | 199 |
| Total domestic deposits to total assets | 79.2662% | 5,609 |
| Equity capital to assets | 9.3180% | 4,670 |
| Core capital (leverage) ratio | 9.5178% | 4,235 |
| Tier 1 risk-based capital ratio | 11.0716% | 6,136 |
| Total risk-based capital ratio | 12.3240% | 6,077 |
| Memoranda: | ||
| Average total assets | $58,225,200 | 5,803 |
| Average earning assets | $54,032,800 | 5,760 |
| Average equity | $5,660,200 | 5,893 |
| Average total loans | $52,886,200 | 4,849 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 626 |
| Cost of funding earning assets | 1.0318% | 422 |
| Net interest margin | 4.1796% | 1,399 |
| Noninterest income to average assets | 0.1918% | 6,029 |
| Noninterest expense to average assets | 2.0919% | 5,847 |
| Loan and lease loss provision to assets | 0.1526% | 2,360 |
| Net operating income to assets | 1.7336% | 600 |
| Return on assets (ROA) | 1.7336% | 620 |
| Pretax return on assets | 1.8238% | 853 |
| Return on Equity (ROE) | 17.6418% | 472 |
| Retained earnings to average equity (ytd only) | 6.1864% | 2,293 |
| Net charge-offs to loans | -0.1279% | 6,560 |
| Credit loss provision to net charge-offs | -132.0000% | 5,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4205% | 6,294 |
| Assets per employee ($millions) | 5.3491% | 1,796 |
| Cash dividends to net income (ytd only)* | 64.9333% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,343 |
| Loan loss allowance to noncurrent loans | 476.4368% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 4,969 |
| Noncurrent loans to loans | 0.3209% | 5,423 |
| Net loans and leases to total assets | 90.7393% | 30 |
| Net loans and leases to deposits | 114.4624% | 111 |
| Net loans and leases to core deposits | 129.2635% | 199 |
| Total domestic deposits to total assets | 79.2743% | 5,684 |
| Equity capital to assets | 9.9354% | 3,997 |
| Core capital (leverage) ratio | 9.9519% | 3,739 |
| Tier 1 risk-based capital ratio | 11.8184% | 5,892 |
| Total risk-based capital ratio | 13.0912% | 5,833 |
| Memoranda: | ||
| Average total assets | $57,681,750 | 5,881 |
| Average earning assets | $53,496,500 | 5,841 |
| Average equity | $5,668,250 | 5,955 |
| Average total loans | $52,113,500 | 4,923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 681 |
| Cost of funding earning assets | 1.0646% | 396 |
| Net interest margin | 4.0999% | 1,544 |
| Noninterest income to average assets | 0.1745% | 6,160 |
| Noninterest expense to average assets | 2.1188% | 5,834 |
| Loan and lease loss provision to assets | 0.1955% | 1,944 |
| Net operating income to assets | 1.5708% | 787 |
| Return on assets (ROA) | 1.5708% | 857 |
| Pretax return on assets | 1.6511% | 1,232 |
| Return on Equity (ROE) | 16.0456% | 661 |
| Retained earnings to average equity (ytd only) | 3.3161% | 4,201 |
| Net charge-offs to loans | -0.0778% | 6,423 |
| Credit loss provision to net charge-offs | -280.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4331% | 6,185 |
| Assets per employee ($millions) | 5.2409% | 1,853 |
| Cash dividends to net income (ytd only)* | 79.3333% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,607 |
| Loan loss allowance to noncurrent loans | 183.9161% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 3,903 |
| Noncurrent loans to loans | 0.8134% | 4,287 |
| Net loans and leases to total assets | 90.1180% | 38 |
| Net loans and leases to deposits | 114.0746% | 96 |
| Net loans and leases to core deposits | 129.1721% | 197 |
| Total domestic deposits to total assets | 78.9991% | 5,803 |
| Equity capital to assets | 9.8422% | 4,135 |
| Core capital (leverage) ratio | 9.9315% | 3,616 |
| Tier 1 risk-based capital ratio | 11.7174% | 5,979 |
| Total risk-based capital ratio | 12.9654% | 5,941 |
| Memoranda: | ||
| Average total assets | $57,295,670 | 5,934 |
| Average earning assets | $52,976,670 | 5,899 |
| Average equity | $5,609,000 | 6,014 |
| Average total loans | $51,411,330 | 4,968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 681 |
| Cost of funding earning assets | 1.1340% | 313 |
| Net interest margin | 4.0142% | 1,732 |
| Noninterest income to average assets | 0.1681% | 6,256 |
| Noninterest expense to average assets | 2.1289% | 5,849 |
| Loan and lease loss provision to assets | 0.2101% | 1,765 |
| Net operating income to assets | 1.4706% | 906 |
| Return on assets (ROA) | 1.4706% | 990 |
| Pretax return on assets | 1.5477% | 1,431 |
| Return on Equity (ROE) | 15.0632% | 755 |
| Retained earnings to average equity (ytd only) | -1.2194% | 5,978 |
| Net charge-offs to loans | -0.1104% | 6,483 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7748% | 6,175 |
| Assets per employee ($millions) | 5.0863% | 2,114 |
| Cash dividends to net income (ytd only)* | 108.0952% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 3,728 |
| Loan loss allowance to noncurrent loans | 514.9660% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 4,989 |
| Noncurrent loans to loans | 0.2956% | 5,666 |
| Net loans and leases to total assets | 87.5226% | 80 |
| Net loans and leases to deposits | 105.1402% | 208 |
| Net loans and leases to core deposits | 119.7057% | 288 |
| Total domestic deposits to total assets | 83.2437% | 4,777 |
| Equity capital to assets | 9.9519% | 4,207 |
| Core capital (leverage) ratio | 9.4056% | 4,228 |
| Tier 1 risk-based capital ratio | 12.4081% | 5,632 |
| Total risk-based capital ratio | 13.6645% | 5,577 |
| Memoranda: | ||
| Average total assets | $57,118,500 | 5,991 |
| Average earning assets | $52,912,000 | 5,951 |
| Average equity | $5,576,500 | 6,080 |
| Average total loans | $50,746,000 | 5,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5065% | 611 |
| Cost of funding earning assets | 1.2953% | 384 |
| Net interest margin | 4.2112% | 1,629 |
| Noninterest income to average assets | 0.1708% | 6,176 |
| Noninterest expense to average assets | 2.0854% | 6,156 |
| Loan and lease loss provision to assets | 0.1537% | 3,688 |
| Net operating income to assets | 1.7592% | 548 |
| Return on assets (ROA) | 1.7592% | 613 |
| Pretax return on assets | 1.8463% | 838 |
| Return on Equity (ROE) | 18.4780% | 402 |
| Retained earnings to average equity (ytd only) | 2.3501% | 4,579 |
| Net charge-offs to loans | 0.1485% | 4,203 |
| Credit loss provision to net charge-offs | 113.9241% | 2,554 |
| Earnings coverage of net charge-offs (x) | 14.8228% | 1,702 |
| Efficiency ratio | 51.0452% | 6,522 |
| Assets per employee ($millions) | 5.2989% | 1,897 |
| Cash dividends to net income (ytd only)* | 87.2816% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,272 |
| Loan loss allowance to noncurrent loans | 234.5395% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 4,455 |
| Noncurrent loans to loans | 0.5872% | 5,065 |
| Net loans and leases to total assets | 87.5892% | 93 |
| Net loans and leases to deposits | 108.8595% | 174 |
| Net loans and leases to core deposits | 124.1284% | 241 |
| Total domestic deposits to total assets | 80.4608% | 5,552 |
| Equity capital to assets | 9.5817% | 4,774 |
| Core capital (leverage) ratio | 9.4894% | 4,122 |
| Tier 1 risk-based capital ratio | 11.8640% | 5,865 |
| Total risk-based capital ratio | 13.1169% | 5,826 |
| Memoranda: | ||
| Average total assets | $58,549,200 | 5,956 |
| Average earning assets | $54,426,600 | 5,916 |
| Average equity | $5,574,200 | 6,129 |
| Average total loans | $53,196,400 | 4,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 627 |
| Cost of funding earning assets | 1.3205% | 405 |
| Net interest margin | 4.2211% | 1,679 |
| Noninterest income to average assets | 0.1615% | 6,329 |
| Noninterest expense to average assets | 2.0358% | 6,298 |
| Loan and lease loss provision to assets | 0.3730% | 1,732 |
| Net operating income to assets | 1.6241% | 802 |
| Return on assets (ROA) | 1.6241% | 884 |
| Pretax return on assets | 1.7083% | 1,247 |
| Return on Equity (ROE) | 17.0866% | 600 |
| Retained earnings to average equity (ytd only) | 5.9110% | 2,755 |
| Net charge-offs to loans | 0.1817% | 3,661 |
| Credit loss provision to net charge-offs | 224.6575% | 1,235 |
| Earnings coverage of net charge-offs (x) | 12.5344% | 1,993 |
| Efficiency ratio | 49.4475% | 6,629 |
| Assets per employee ($millions) | 5.2216% | 1,914 |
| Cash dividends to net income (ytd only)* | 65.4058% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 4,134 |
| Loan loss allowance to noncurrent loans | 220.2778% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 4,423 |
| Noncurrent loans to loans | 0.6610% | 5,121 |
| Net loans and leases to total assets | 93.4347% | 16 |
| Net loans and leases to deposits | 119.5922% | 78 |
| Net loans and leases to core deposits | 138.5634% | 143 |
| Total domestic deposits to total assets | 78.1277% | 6,049 |
| Equity capital to assets | 9.9324% | 4,602 |
| Core capital (leverage) ratio | 9.7074% | 3,949 |
| Tier 1 risk-based capital ratio | 11.5403% | 6,207 |
| Total risk-based capital ratio | 12.7949% | 6,177 |
| Memoranda: | ||
| Average total assets | $58,614,500 | 6,025 |
| Average earning assets | $54,929,250 | 5,965 |
| Average equity | $5,571,500 | 6,202 |
| Average total loans | $53,553,750 | 5,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 575 |
| Cost of funding earning assets | 1.3554% | 418 |
| Net interest margin | 4.2449% | 1,622 |
| Noninterest income to average assets | 0.2169% | 6,012 |
| Noninterest expense to average assets | 2.0303% | 6,370 |
| Loan and lease loss provision to assets | 0.4067% | 1,609 |
| Net operating income to assets | 1.6439% | 767 |
| Return on assets (ROA) | 1.6439% | 855 |
| Pretax return on assets | 1.7286% | 1,187 |
| Return on Equity (ROE) | 17.5502% | 564 |
| Retained earnings to average equity (ytd only) | 5.4641% | 3,007 |
| Net charge-offs to loans | 0.1803% | 3,514 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,817 |
| Efficiency ratio | 48.7388% | 6,726 |
| Assets per employee ($millions) | 5.4443% | 1,661 |
| Cash dividends to net income (ytd only)* | 68.8660% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 4,253 |
| Loan loss allowance to noncurrent loans | 175.9091% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 4,618 |
| Noncurrent loans to loans | 0.8237% | 4,869 |
| Net loans and leases to total assets | 87.9072% | 82 |
| Net loans and leases to deposits | 111.0092% | 134 |
| Net loans and leases to core deposits | 128.9150% | 219 |
| Total domestic deposits to total assets | 79.1891% | 5,924 |
| Equity capital to assets | 9.3710% | 5,232 |
| Core capital (leverage) ratio | 9.4714% | 4,177 |
| Tier 1 risk-based capital ratio | 11.6003% | 6,167 |
| Total risk-based capital ratio | 12.8540% | 6,146 |
| Memoranda: | ||
| Average total assets | $59,006,670 | 6,051 |
| Average earning assets | $54,890,000 | 6,003 |
| Average equity | $5,527,000 | 6,235 |
| Average total loans | $53,251,670 | 5,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6342% | 588 |
| Cost of funding earning assets | 1.3904% | 442 |
| Net interest margin | 4.2438% | 1,627 |
| Noninterest income to average assets | 0.2322% | 5,965 |
| Noninterest expense to average assets | 2.0763% | 6,319 |
| Loan and lease loss provision to assets | 0.4098% | 1,536 |
| Net operating income to assets | 1.6597% | 778 |
| Return on assets (ROA) | 1.6597% | 868 |
| Pretax return on assets | 1.7484% | 1,198 |
| Return on Equity (ROE) | 17.7227% | 583 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,758 |
| Net charge-offs to loans | 0.4664% | 1,917 |
| Credit loss provision to net charge-offs | 96.7742% | 2,426 |
| Earnings coverage of net charge-offs (x) | 5.0968% | 2,442 |
| Efficiency ratio | 49.0323% | 6,739 |
| Assets per employee ($millions) | 5.2655% | 1,915 |
| Cash dividends to net income (ytd only)* | 83.1276% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 5,078 |
| Loan loss allowance to noncurrent loans | 210.8434% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 5,102 |
| Noncurrent loans to loans | 0.6102% | 5,439 |
| Net loans and leases to total assets | 92.7262% | 18 |
| Net loans and leases to deposits | 117.9130% | 84 |
| Net loans and leases to core deposits | 136.6834% | 161 |
| Total domestic deposits to total assets | 78.6395% | 6,161 |
| Equity capital to assets | 9.5045% | 4,802 |
| Core capital (leverage) ratio | 9.3545% | 4,272 |
| Tier 1 risk-based capital ratio | 11.1734% | 6,460 |
| Total risk-based capital ratio | 12.4256% | 6,445 |
| Memoranda: | ||
| Average total assets | $58,566,500 | 6,106 |
| Average earning assets | $55,234,000 | 6,023 |
| Average equity | $5,484,500 | 6,285 |
| Average total loans | $53,168,000 | 5,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 702 |
| Cost of funding earning assets | 1.5976% | 483 |
| Net interest margin | 4.1542% | 2,215 |
| Noninterest income to average assets | 0.1057% | 6,617 |
| Noninterest expense to average assets | 1.9242% | 6,797 |
| Loan and lease loss provision to assets | 0.3187% | 3,134 |
| Net operating income to assets | 1.6978% | 552 |
| Return on assets (ROA) | 1.6978% | 588 |
| Pretax return on assets | 1.7800% | 843 |
| Return on Equity (ROE) | 18.8616% | 322 |
| Retained earnings to average equity (ytd only) | 5.2373% | 2,489 |
| Net charge-offs to loans | 0.1772% | 4,730 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 13.1684% | 1,561 |
| Efficiency ratio | 47.8315% | 6,960 |
| Assets per employee ($millions) | 5.3830% | 1,752 |
| Cash dividends to net income (ytd only)* | 72.2332% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 4,658 |
| Loan loss allowance to noncurrent loans | 153.6105% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 4,775 |
| Noncurrent loans to loans | 0.8800% | 4,930 |
| Net loans and leases to total assets | 86.5131% | 118 |
| Net loans and leases to deposits | 109.2516% | 182 |
| Net loans and leases to core deposits | 127.9875% | 260 |
| Total domestic deposits to total assets | 79.1870% | 5,950 |
| Equity capital to assets | 9.2277% | 5,245 |
| Core capital (leverage) ratio | 9.1533% | 4,542 |
| Tier 1 risk-based capital ratio | 11.7622% | 5,984 |
| Total risk-based capital ratio | 13.0190% | 5,962 |
| Memoranda: | ||
| Average total assets | $59,608,000 | 6,055 |
| Average earning assets | $56,208,800 | 5,973 |
| Average equity | $5,365,400 | 6,335 |
| Average total loans | $53,615,800 | 5,126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7651% | 754 |
| Cost of funding earning assets | 1.6266% | 519 |
| Net interest margin | 4.1385% | 2,315 |
| Noninterest income to average assets | 0.0916% | 6,790 |
| Noninterest expense to average assets | 1.9406% | 6,806 |
| Loan and lease loss provision to assets | 0.2903% | 3,194 |
| Net operating income to assets | 1.6860% | 654 |
| Return on assets (ROA) | 1.6860% | 717 |
| Pretax return on assets | 1.7753% | 1,001 |
| Return on Equity (ROE) | 18.8483% | 397 |
| Retained earnings to average equity (ytd only) | 8.5130% | 1,308 |
| Net charge-offs to loans | 0.1925% | 4,261 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 11.8587% | 1,772 |
| Efficiency ratio | 48.4392% | 6,932 |
| Assets per employee ($millions) | 5.9178% | 1,262 |
| Cash dividends to net income (ytd only)* | 54.8349% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,458 |
| Loan loss allowance to noncurrent loans | 98.2116% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 4,368 |
| Noncurrent loans to loans | 1.2240% | 4,497 |
| Net loans and leases to total assets | 91.5222% | 22 |
| Net loans and leases to deposits | 117.7515% | 95 |
| Net loans and leases to core deposits | 143.3058% | 166 |
| Total domestic deposits to total assets | 77.7248% | 6,242 |
| Equity capital to assets | 9.3346% | 5,323 |
| Core capital (leverage) ratio | 9.2278% | 4,576 |
| Tier 1 risk-based capital ratio | 11.2342% | 6,410 |
| Total risk-based capital ratio | 12.4847% | 6,391 |
| Memoranda: | ||
| Average total assets | $59,706,750 | 6,097 |
| Average earning assets | $56,476,750 | 6,013 |
| Average equity | $5,340,750 | 6,394 |
| Average total loans | $54,037,500 | 5,156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 796 |
| Cost of funding earning assets | 1.6376% | 601 |
| Net interest margin | 4.1117% | 2,367 |
| Noninterest income to average assets | 0.0367% | 7,092 |
| Noninterest expense to average assets | 2.0006% | 6,791 |
| Loan and lease loss provision to assets | 0.2672% | 3,266 |
| Net operating income to assets | 1.5764% | 764 |
| Return on assets (ROA) | 1.5764% | 809 |
| Pretax return on assets | 1.6599% | 1,133 |
| Return on Equity (ROE) | 17.8799% | 471 |
| Retained earnings to average equity (ytd only) | 6.6292% | 2,066 |
| Net charge-offs to loans | 0.1562% | 4,248 |
| Credit loss provision to net charge-offs | 190.4762% | 1,584 |
| Earnings coverage of net charge-offs (x) | 13.7381% | 1,524 |
| Efficiency ratio | 50.9354% | 6,877 |
| Assets per employee ($millions) | 6.0289% | 1,173 |
| Cash dividends to net income (ytd only)* | 62.9237% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 5,604 |
| Loan loss allowance to noncurrent loans | 79.5314% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 4,194 |
| Noncurrent loans to loans | 1.4928% | 4,180 |
| Net loans and leases to total assets | 89.0411% | 57 |
| Net loans and leases to deposits | 111.8492% | 155 |
| Net loans and leases to core deposits | 134.2352% | 229 |
| Total domestic deposits to total assets | 79.6082% | 5,926 |
| Equity capital to assets | 8.8922% | 5,714 |
| Core capital (leverage) ratio | 8.9516% | 4,804 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,838 |
| Total risk-based capital ratio | 11.6262% | 6,830 |
| Memoranda: | ||
| Average total assets | $59,883,000 | 6,142 |
| Average earning assets | $56,667,330 | 6,068 |
| Average equity | $5,279,670 | 6,440 |
| Average total loans | $53,776,670 | 5,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 911 |
| Cost of funding earning assets | 1.6240% | 749 |
| Net interest margin | 4.0600% | 2,431 |
| Noninterest income to average assets | 0.1743% | 6,486 |
| Noninterest expense to average assets | 2.0912% | 6,654 |
| Loan and lease loss provision to assets | 0.4021% | 2,185 |
| Net operating income to assets | 1.4544% | 979 |
| Return on assets (ROA) | 1.4544% | 1,013 |
| Pretax return on assets | 1.5349% | 1,345 |
| Return on Equity (ROE) | 16.5680% | 618 |
| Retained earnings to average equity (ytd only) | 5.2682% | 3,022 |
| Net charge-offs to loans | 0.3215% | 2,770 |
| Credit loss provision to net charge-offs | 139.5349% | 2,008 |
| Earnings coverage of net charge-offs (x) | 6.7209% | 2,058 |
| Efficiency ratio | 51.9135% | 6,860 |
| Assets per employee ($millions) | 5.9194% | 1,251 |
| Cash dividends to net income (ytd only)* | 68.2028% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,811 |
| Loan loss allowance to noncurrent loans | 82.4306% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5998% | 3,851 |
| Noncurrent loans to loans | 1.4043% | 4,368 |
| Net loans and leases to total assets | 90.0142% | 42 |
| Net loans and leases to deposits | 115.5237% | 120 |
| Net loans and leases to core deposits | 140.6960% | 189 |
| Total domestic deposits to total assets | 77.9184% | 6,391 |
| Equity capital to assets | 8.8911% | 5,364 |
| Core capital (leverage) ratio | 8.8071% | 4,920 |
| Tier 1 risk-based capital ratio | 10.4219% | 6,851 |
| Total risk-based capital ratio | 11.6621% | 6,843 |
| Memoranda: | ||
| Average total assets | $59,680,000 | 6,193 |
| Average earning assets | $56,650,500 | 6,111 |
| Average equity | $5,239,000 | 6,471 |
| Average total loans | $53,501,500 | 5,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 1,146 |
| Cost of funding earning assets | 1.8276% | 1,065 |
| Net interest margin | 4.0248% | 2,908 |
| Noninterest income to average assets | 0.2375% | 6,099 |
| Noninterest expense to average assets | 1.9969% | 7,030 |
| Loan and lease loss provision to assets | 0.4072% | 3,669 |
| Net operating income to assets | 1.5626% | 670 |
| Return on assets (ROA) | 1.5626% | 730 |
| Pretax return on assets | 1.6406% | 1,051 |
| Return on Equity (ROE) | 17.0847% | 470 |
| Retained earnings to average equity (ytd only) | -0.7606% | 5,756 |
| Net charge-offs to loans | 0.4659% | 3,754 |
| Credit loss provision to net charge-offs | 99.5851% | 4,644 |
| Earnings coverage of net charge-offs (x) | 5.0083% | 2,738 |
| Efficiency ratio | 49.3708% | 7,179 |
| Assets per employee ($millions) | 6.0166% | 1,202 |
| Cash dividends to net income (ytd only)* | 104.4517% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,767 |
| Loan loss allowance to noncurrent loans | 82.9235% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 4,016 |
| Noncurrent loans to loans | 1.3786% | 4,420 |
| Net loans and leases to total assets | 87.2403% | 126 |
| Net loans and leases to deposits | 118.4853% | 124 |
| Net loans and leases to core deposits | 136.7934% | 255 |
| Total domestic deposits to total assets | 73.6296% | 6,934 |
| Equity capital to assets | 8.6677% | 5,627 |
| Core capital (leverage) ratio | 8.6113% | 5,175 |
| Tier 1 risk-based capital ratio | 10.5186% | 6,689 |
| Total risk-based capital ratio | 11.7522% | 6,679 |
| Memoranda: | ||
| Average total assets | $58,940,600 | 6,242 |
| Average earning assets | $55,754,800 | 6,140 |
| Average equity | $5,390,800 | 6,539 |
| Average total loans | $51,729,000 | 5,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 1,170 |
| Cost of funding earning assets | 1.8710% | 1,134 |
| Net interest margin | 4.0135% | 3,036 |
| Noninterest income to average assets | 0.2115% | 6,400 |
| Noninterest expense to average assets | 2.0147% | 7,027 |
| Loan and lease loss provision to assets | 0.4093% | 3,449 |
| Net operating income to assets | 1.5099% | 907 |
| Return on assets (ROA) | 1.5099% | 986 |
| Pretax return on assets | 1.5872% | 1,376 |
| Return on Equity (ROE) | 16.2898% | 677 |
| Retained earnings to average equity (ytd only) | 7.7034% | 1,515 |
| Net charge-offs to loans | 0.5137% | 3,233 |
| Credit loss provision to net charge-offs | 90.9091% | 4,729 |
| Earnings coverage of net charge-offs (x) | 4.4344% | 3,052 |
| Efficiency ratio | 50.2268% | 7,134 |
| Assets per employee ($millions) | 6.0552% | 1,207 |
| Cash dividends to net income (ytd only)* | 52.7115% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 5,958 |
| Loan loss allowance to noncurrent loans | 70.2381% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 3,846 |
| Noncurrent loans to loans | 1.5623% | 4,298 |
| Net loans and leases to total assets | 87.8204% | 116 |
| Net loans and leases to deposits | 116.2771% | 152 |
| Net loans and leases to core deposits | 142.4015% | 236 |
| Total domestic deposits to total assets | 75.5268% | 6,734 |
| Equity capital to assets | 9.2449% | 5,231 |
| Core capital (leverage) ratio | 9.5662% | 3,811 |
| Tier 1 risk-based capital ratio | 10.9862% | 6,398 |
| Total risk-based capital ratio | 12.1583% | 6,437 |
| Memoranda: | ||
| Average total assets | $58,634,250 | 6,317 |
| Average earning assets | $55,511,500 | 6,214 |
| Average equity | $5,434,750 | 6,607 |
| Average total loans | $51,387,250 | 5,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9465% | 1,061 |
| Cost of funding earning assets | 1.9249% | 1,130 |
| Net interest margin | 4.0216% | 2,915 |
| Noninterest income to average assets | 0.1828% | 6,602 |
| Noninterest expense to average assets | 2.0312% | 7,051 |
| Loan and lease loss provision to assets | 0.4138% | 3,247 |
| Net operating income to assets | 1.4587% | 980 |
| Return on assets (ROA) | 1.4587% | 1,044 |
| Pretax return on assets | 1.5346% | 1,464 |
| Return on Equity (ROE) | 15.7239% | 732 |
| Retained earnings to average equity (ytd only) | 7.0999% | 1,792 |
| Net charge-offs to loans | 0.1739% | 4,572 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 12.8409% | 1,642 |
| Efficiency ratio | 51.0399% | 7,144 |
| Assets per employee ($millions) | 5.6849% | 1,455 |
| Cash dividends to net income (ytd only)* | 54.8463% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,700 |
| Loan loss allowance to noncurrent loans | 47.2702% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 2,496 |
| Noncurrent loans to loans | 2.8480% | 2,811 |
| Net loans and leases to total assets | 88.1704% | 122 |
| Net loans and leases to deposits | 112.8970% | 217 |
| Net loans and leases to core deposits | 139.2682% | 294 |
| Total domestic deposits to total assets | 78.0981% | 6,247 |
| Equity capital to assets | 9.6308% | 4,496 |
| Core capital (leverage) ratio | 9.3577% | 4,030 |
| Tier 1 risk-based capital ratio | 11.2752% | 5,966 |
| Total risk-based capital ratio | 12.5388% | 5,938 |
| Memoranda: | ||
| Average total assets | $57,995,000 | 6,389 |
| Average earning assets | $54,755,000 | 6,293 |
| Average equity | $5,380,330 | 6,657 |
| Average total loans | $50,594,000 | 5,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9291% | 1,132 |
| Cost of funding earning assets | 1.9279% | 1,328 |
| Net interest margin | 4.0012% | 2,867 |
| Noninterest income to average assets | 0.1707% | 6,749 |
| Noninterest expense to average assets | 2.0626% | 7,032 |
| Loan and lease loss provision to assets | 0.4098% | 2,911 |
| Net operating income to assets | 1.3864% | 1,105 |
| Return on assets (ROA) | 1.3864% | 1,181 |
| Pretax return on assets | 1.4547% | 1,628 |
| Return on Equity (ROE) | 15.2260% | 835 |
| Retained earnings to average equity (ytd only) | 6.6004% | 2,320 |
| Net charge-offs to loans | 0.3565% | 2,984 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,285 |
| Efficiency ratio | 52.5217% | 7,101 |
| Assets per employee ($millions) | 5.7487% | 1,453 |
| Cash dividends to net income (ytd only)* | 56.6502% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,230 |
| Loan loss allowance to noncurrent loans | 57.9535% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.2022% | 3,272 |
| Noncurrent loans to loans | 2.1528% | 3,586 |
| Net loans and leases to total assets | 85.7777% | 229 |
| Net loans and leases to deposits | 109.1821% | 311 |
| Net loans and leases to core deposits | 162.1006% | 181 |
| Total domestic deposits to total assets | 78.5638% | 6,183 |
| Equity capital to assets | 9.3534% | 4,755 |
| Core capital (leverage) ratio | 9.0766% | 4,424 |
| Tier 1 risk-based capital ratio | 11.3302% | 5,830 |
| Total risk-based capital ratio | 12.5820% | 5,795 |
| Memoranda: | ||
| Average total assets | $58,568,000 | 6,446 |
| Average earning assets | $54,983,000 | 6,360 |
| Average equity | $5,333,000 | 6,728 |
| Average total loans | $50,487,000 | 5,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0142% | 1,813 |
| Cost of funding earning assets | 2.1870% | 2,091 |
| Net interest margin | 3.8272% | 3,588 |
| Noninterest income to average assets | 0.2807% | 6,100 |
| Noninterest expense to average assets | 2.0205% | 7,340 |
| Loan and lease loss provision to assets | 0.4679% | 4,022 |
| Net operating income to assets | 1.3655% | 909 |
| Return on assets (ROA) | 1.3655% | 962 |
| Pretax return on assets | 1.4434% | 1,328 |
| Return on Equity (ROE) | 15.2897% | 631 |
| Retained earnings to average equity (ytd only) | 6.3642% | 1,202 |
| Net charge-offs to loans | 0.4996% | 3,776 |
| Credit loss provision to net charge-offs | 105.4688% | 5,249 |
| Earnings coverage of net charge-offs (x) | 4.3086% | 2,991 |
| Efficiency ratio | 51.3883% | 7,442 |
| Assets per employee ($millions) | 5.9649% | 1,272 |
| Cash dividends to net income (ytd only)* | 58.3756% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,419 |
| Loan loss allowance to noncurrent loans | 69.7248% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7821% | 3,699 |
| Noncurrent loans to loans | 1.7085% | 4,078 |
| Net loans and leases to total assets | 84.5479% | 390 |
| Net loans and leases to deposits | 109.7493% | 391 |
| Net loans and leases to core deposits | 145.8500% | 613 |
| Total domestic deposits to total assets | 77.0373% | 6,469 |
| Equity capital to assets | 8.8669% | 5,329 |
| Core capital (leverage) ratio | 9.0617% | 4,322 |
| Tier 1 risk-based capital ratio | 10.9329% | 5,978 |
| Total risk-based capital ratio | 12.1801% | 5,962 |
| Memoranda: | ||
| Average total assets | $57,709,400 | 6,442 |
| Average earning assets | $55,053,400 | 6,334 |
| Average equity | $5,153,800 | 6,890 |
| Average total loans | $51,236,000 | 5,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1127% | 1,603 |
| Cost of funding earning assets | 2.2478% | 2,197 |
| Net interest margin | 3.8649% | 3,369 |
| Noninterest income to average assets | 0.2912% | 6,151 |
| Noninterest expense to average assets | 2.0946% | 7,208 |
| Loan and lease loss provision to assets | 0.3844% | 4,019 |
| Net operating income to assets | 1.4352% | 956 |
| Return on assets (ROA) | 1.4352% | 1,017 |
| Pretax return on assets | 1.5098% | 1,390 |
| Return on Equity (ROE) | 16.0412% | 651 |
| Retained earnings to average equity (ytd only) | 7.0570% | 1,484 |
| Net charge-offs to loans | 0.4706% | 3,345 |
| Credit loss provision to net charge-offs | 91.1602% | 5,449 |
| Earnings coverage of net charge-offs (x) | 4.4917% | 3,120 |
| Efficiency ratio | 52.5117% | 7,373 |
| Assets per employee ($millions) | 6.2433% | 1,103 |
| Cash dividends to net income (ytd only)* | 56.0069% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,313 |
| Loan loss allowance to noncurrent loans | 98.8034% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 4,255 |
| Noncurrent loans to loans | 1.1812% | 4,969 |
| Net loans and leases to total assets | 87.1151% | 265 |
| Net loans and leases to deposits | 109.8568% | 466 |
| Net loans and leases to core deposits | 148.5314% | 616 |
| Total domestic deposits to total assets | 79.2988% | 5,693 |
| Equity capital to assets | 9.3344% | 4,976 |
| Core capital (leverage) ratio | 9.2659% | 4,240 |
| Tier 1 risk-based capital ratio | 11.2089% | 5,738 |
| Total risk-based capital ratio | 12.4647% | 5,687 |
| Memoranda: | ||
| Average total assets | $57,224,500 | 6,494 |
| Average earning assets | $54,748,250 | 6,388 |
| Average equity | $5,120,000 | 6,962 |
| Average total loans | $51,285,000 | 5,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1690% | 1,561 |
| Cost of funding earning assets | 2.2843% | 2,426 |
| Net interest margin | 3.8847% | 3,185 |
| Noninterest income to average assets | 0.3057% | 6,071 |
| Noninterest expense to average assets | 2.0080% | 7,451 |
| Loan and lease loss provision to assets | 0.2084% | 4,962 |
| Net operating income to assets | 1.7127% | 551 |
| Return on assets (ROA) | 1.7127% | 598 |
| Pretax return on assets | 1.7996% | 851 |
| Return on Equity (ROE) | 19.4158% | 374 |
| Retained earnings to average equity (ytd only) | 10.4759% | 643 |
| Net charge-offs to loans | 0.2198% | 4,128 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 10.1404% | 2,028 |
| Efficiency ratio | 50.0000% | 7,670 |
| Assets per employee ($millions) | 6.0900% | 1,169 |
| Cash dividends to net income (ytd only)* | 46.0446% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,014 |
| Loan loss allowance to noncurrent loans | 59.8196% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.2022% | 2,935 |
| Noncurrent loans to loans | 1.9905% | 3,539 |
| Net loans and leases to total assets | 90.3868% | 114 |
| Net loans and leases to deposits | 114.5218% | 374 |
| Net loans and leases to core deposits | 146.0137% | 758 |
| Total domestic deposits to total assets | 78.9254% | 5,834 |
| Equity capital to assets | 9.5311% | 4,567 |
| Core capital (leverage) ratio | 9.0062% | 4,621 |
| Tier 1 risk-based capital ratio | 10.9657% | 5,907 |
| Total risk-based capital ratio | 12.2359% | 5,823 |
| Memoranda: | ||
| Average total assets | $57,569,330 | 6,531 |
| Average earning assets | $54,984,330 | 6,429 |
| Average equity | $5,078,330 | 7,032 |
| Average total loans | $51,870,670 | 5,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1237% | 1,852 |
| Cost of funding earning assets | 2.2572% | 2,896 |
| Net interest margin | 3.8665% | 3,196 |
| Noninterest income to average assets | 0.2918% | 6,100 |
| Noninterest expense to average assets | 1.8457% | 7,639 |
| Loan and lease loss provision to assets | 0.2036% | 4,410 |
| Net operating income to assets | 1.8321% | 499 |
| Return on assets (ROA) | 1.8321% | 556 |
| Pretax return on assets | 1.9271% | 758 |
| Return on Equity (ROE) | 21.5763% | 325 |
| Retained earnings to average equity (ytd only) | 12.7859% | 668 |
| Net charge-offs to loans | 0.1138% | 4,058 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 20.9333% | 1,352 |
| Efficiency ratio | 46.4164% | 7,827 |
| Assets per employee ($millions) | 5.9433% | 1,233 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,203 |
| Loan loss allowance to noncurrent loans | 52.2298% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9619% | 2,963 |
| Noncurrent loans to loans | 2.1789% | 3,010 |
| Net loans and leases to total assets | 89.0162% | 196 |
| Net loans and leases to deposits | 109.4639% | 643 |
| Net loans and leases to core deposits | 144.8381% | 902 |
| Total domestic deposits to total assets | 81.3201% | 4,828 |
| Equity capital to assets | 8.5710% | 5,956 |
| Core capital (leverage) ratio | 8.5661% | 5,403 |
| Tier 1 risk-based capital ratio | 10.1264% | 6,780 |
| Total risk-based capital ratio | 11.3480% | 6,722 |
| Memoranda: | ||
| Average total assets | $58,949,000 | 6,509 |
| Average earning assets | $56,175,000 | 6,409 |
| Average equity | $5,005,500 | 7,105 |
| Average total loans | $52,737,000 | 5,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7880% | 1,718 |
| Cost of funding earning assets | 2.8843% | 2,330 |
| Net interest margin | 3.9037% | 3,537 |
| Noninterest income to average assets | 0.3066% | 6,257 |
| Noninterest expense to average assets | 1.8932% | 7,625 |
| Loan and lease loss provision to assets | 0.3476% | 3,620 |
| Net operating income to assets | 1.6989% | 678 |
| Return on assets (ROA) | 1.6989% | 650 |
| Pretax return on assets | 1.7934% | 960 |
| Return on Equity (ROE) | 20.2507% | 352 |
| Retained earnings to average equity (ytd only) | 8.1385% | 802 |
| Net charge-offs to loans | 0.3167% | 3,276 |
| Credit loss provision to net charge-offs | 120.3704% | 4,461 |
| Earnings coverage of net charge-offs (x) | 7.4136% | 3,119 |
| Efficiency ratio | 46.9289% | 7,879 |
| Assets per employee ($millions) | 5.8465% | 1,234 |
| Cash dividends to net income (ytd only)* | 59.8111% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,973 |
| Loan loss allowance to noncurrent loans | 60.8607% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 2,914 |
| Noncurrent loans to loans | 1.8784% | 2,941 |
| Net loans and leases to total assets | 87.8577% | 383 |
| Net loans and leases to deposits | 110.2961% | 810 |
| Net loans and leases to core deposits | 134.9358% | 1,539 |
| Total domestic deposits to total assets | 79.6562% | 5,146 |
| Equity capital to assets | 8.4102% | 6,236 |
| Core capital (leverage) ratio | 8.5869% | 5,408 |
| Tier 1 risk-based capital ratio | 10.0946% | 6,627 |
| Total risk-based capital ratio | 11.3213% | 6,540 |
| Memoranda: | ||
| Average total assets | $56,094,800 | 6,524 |
| Average earning assets | $53,565,000 | 6,436 |
| Average equity | $4,706,000 | 7,252 |
| Average total loans | $51,157,200 | 5,659 |