Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 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 | 3.4665% | 4,902 |
| Cost of funding earning assets | 0.3923% | 3,100 |
| Net interest margin | 3.0741% | 4,848 |
| Noninterest income to average assets | 0.2080% | 5,225 |
| Noninterest expense to average assets | 2.9206% | 2,575 |
| Loan and lease loss provision to assets | 0.0601% | 3,057 |
| Net operating income to assets | 0.1202% | 5,600 |
| Return on assets (ROA) | 0.2357% | 5,481 |
| Pretax return on assets | 0.2034% | 5,562 |
| Return on Equity (ROE) | 2.3378% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.3378% | 4,518 |
| Net charge-offs to loans | 0.5683% | 371 |
| Credit loss provision to net charge-offs | 24.5283% | 3,262 |
| Earnings coverage of net charge-offs (x) | 0.6039% | 3,775 |
| Efficiency ratio | 95.1807% | 341 |
| Assets per employee ($millions) | 5.6056% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 5,462 |
| Loan loss allowance to noncurrent loans | 91.9540% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 4,168 |
| Noncurrent loans to loans | 0.7407% | 2,818 |
| Net loans and leases to total assets | 41.6227% | 5,313 |
| Net loans and leases to deposits | 46.6342% | 5,432 |
| Net loans and leases to core deposits | 46.6342% | 5,491 |
| Total domestic deposits to total assets | 89.2536% | 776 |
| Equity capital to assets | 10.5395% | 3,521 |
| Core capital (leverage) ratio | 9.5442% | 4,127 |
| Tier 1 risk-based capital ratio | 20.9676% | 1,277 |
| Total risk-based capital ratio | 21.5800% | 1,353 |
| Memoranda: | ||
| Average total assets | $28,851,500 | 5,787 |
| Average earning assets | $26,847,000 | 5,769 |
| Average equity | $2,908,750 | 5,827 |
| Average total loans | $12,433,000 | 5,781 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 4,893 |
| Cost of funding earning assets | 0.3853% | 3,204 |
| Net interest margin | 3.1043% | 4,822 |
| Noninterest income to average assets | 0.2335% | 5,085 |
| Noninterest expense to average assets | 2.6574% | 3,527 |
| Loan and lease loss provision to assets | 0.0893% | 2,358 |
| Net operating income to assets | 0.4326% | 4,932 |
| Return on assets (ROA) | 0.6043% | 4,377 |
| Pretax return on assets | 0.5905% | 4,906 |
| Return on Equity (ROE) | 6.0822% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0822% | 2,077 |
| Net charge-offs to loans | -0.0158% | 4,854 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9479% | 1,057 |
| Assets per employee ($millions) | 5.8162% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,998 |
| Loan loss allowance to noncurrent loans | 67.3367% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 2,942 |
| Noncurrent loans to loans | 1.6180% | 1,324 |
| Net loans and leases to total assets | 41.8314% | 5,345 |
| Net loans and leases to deposits | 46.8407% | 5,469 |
| Net loans and leases to core deposits | 46.8407% | 5,536 |
| Total domestic deposits to total assets | 89.3057% | 760 |
| Equity capital to assets | 10.4020% | 3,743 |
| Core capital (leverage) ratio | 9.6082% | 4,055 |
| Tier 1 risk-based capital ratio | 19.6601% | 1,529 |
| Total risk-based capital ratio | 20.6091% | 1,567 |
| Memoranda: | ||
| Average total assets | $29,126,000 | 5,860 |
| Average earning assets | $27,510,000 | 5,829 |
| Average equity | $2,893,670 | 5,902 |
| Average total loans | $12,662,000 | 5,850 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,308 |
| Cost of funding earning assets | 0.3937% | 3,152 |
| Net interest margin | 3.3099% | 4,189 |
| Noninterest income to average assets | 0.2470% | 4,968 |
| Noninterest expense to average assets | 2.4564% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9332% | 2,591 |
| Return on assets (ROA) | 1.2762% | 1,412 |
| Pretax return on assets | 1.2488% | 2,511 |
| Return on Equity (ROE) | 13.1542% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.1542% | 376 |
| Net charge-offs to loans | -0.0311% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0612% | 2,629 |
| Assets per employee ($millions) | 5.7950% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,778 |
| Loan loss allowance to noncurrent loans | 82.8767% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 3,592 |
| Noncurrent loans to loans | 1.1651% | 2,076 |
| Net loans and leases to total assets | 42.8300% | 5,308 |
| Net loans and leases to deposits | 47.6666% | 5,436 |
| Net loans and leases to core deposits | 47.6666% | 5,524 |
| Total domestic deposits to total assets | 89.8533% | 654 |
| Equity capital to assets | 9.9223% | 4,186 |
| Core capital (leverage) ratio | 9.7265% | 3,878 |
| Tier 1 risk-based capital ratio | 19.8218% | 1,542 |
| Total risk-based capital ratio | 20.6842% | 1,596 |
| Memoranda: | ||
| Average total assets | $29,148,500 | 5,917 |
| Average earning assets | $27,433,000 | 5,890 |
| Average equity | $2,828,000 | 5,961 |
| Average total loans | $12,843,500 | 5,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 5,095 |
| Cost of funding earning assets | 0.4536% | 2,595 |
| Net interest margin | 2.9778% | 5,188 |
| Noninterest income to average assets | 0.0173% | 6,072 |
| Noninterest expense to average assets | 2.5448% | 4,088 |
| Loan and lease loss provision to assets | 0.1003% | 2,308 |
| Net operating income to assets | 0.1788% | 5,626 |
| Return on assets (ROA) | 0.7503% | 3,664 |
| Pretax return on assets | 0.7883% | 4,225 |
| Return on Equity (ROE) | 7.8549% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.2351% | 2,974 |
| Net charge-offs to loans | 0.3280% | 910 |
| Credit loss provision to net charge-offs | 72.5000% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.0750% | 3,979 |
| Efficiency ratio | 89.8657% | 696 |
| Assets per employee ($millions) | 5.8644% | 1,490 |
| Cash dividends to net income (ytd only)* | 46.0829% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 5,041 |
| Loan loss allowance to noncurrent loans | 43.3213% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 2,309 |
| Noncurrent loans to loans | 2.1055% | 975 |
| Net loans and leases to total assets | 44.4581% | 5,256 |
| Net loans and leases to deposits | 49.9923% | 5,395 |
| Net loans and leases to core deposits | 49.9923% | 5,499 |
| Total domestic deposits to total assets | 88.9298% | 1,148 |
| Equity capital to assets | 9.4843% | 4,569 |
| Core capital (leverage) ratio | 9.3457% | 4,401 |
| Tier 1 risk-based capital ratio | 17.9872% | 1,968 |
| Total risk-based capital ratio | 18.7901% | 2,064 |
| Memoranda: | ||
| Average total assets | $28,921,600 | 5,976 |
| Average earning assets | $27,336,000 | 5,943 |
| Average equity | $2,762,600 | 6,024 |
| Average total loans | $12,194,000 | 5,968 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 5,530 |
| Cost of funding earning assets | 0.4699% | 2,499 |
| Net interest margin | 2.7653% | 5,642 |
| Noninterest income to average assets | -0.0648% | 6,224 |
| Noninterest expense to average assets | 2.5305% | 4,102 |
| Loan and lease loss provision to assets | 0.0694% | 2,787 |
| Net operating income to assets | -0.0476% | 5,966 |
| Return on assets (ROA) | 0.7170% | 3,935 |
| Pretax return on assets | 0.7541% | 4,477 |
| Return on Equity (ROE) | 7.4931% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.4931% | 1,446 |
| Net charge-offs to loans | 0.2454% | 1,067 |
| Credit loss provision to net charge-offs | 68.1818% | 2,797 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 3,977 |
| Efficiency ratio | 99.2740% | 315 |
| Assets per employee ($millions) | 4.7312% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,564 |
| Loan loss allowance to noncurrent loans | 20.9106% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.0890% | 950 |
| Noncurrent loans to loans | 4.9380% | 214 |
| Net loans and leases to total assets | 41.8678% | 5,497 |
| Net loans and leases to deposits | 46.6024% | 5,627 |
| Net loans and leases to core deposits | 47.1571% | 5,686 |
| Total domestic deposits to total assets | 89.8404% | 641 |
| Equity capital to assets | 9.6946% | 4,526 |
| Core capital (leverage) ratio | 9.4229% | 4,395 |
| Tier 1 risk-based capital ratio | 19.6526% | 1,635 |
| Total risk-based capital ratio | 20.5463% | 1,673 |
| Memoranda: | ||
| Average total assets | $28,821,500 | 6,058 |
| Average earning assets | $27,241,250 | 6,025 |
| Average equity | $2,758,000 | 6,109 |
| Average total loans | $11,953,500 | 6,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 5,565 |
| Cost of funding earning assets | 0.4828% | 2,405 |
| Net interest margin | 2.7504% | 5,707 |
| Noninterest income to average assets | -0.2348% | 6,324 |
| Noninterest expense to average assets | 2.5271% | 4,147 |
| Loan and lease loss provision to assets | 0.1036% | 2,099 |
| Net operating income to assets | -0.2575% | 6,126 |
| Return on assets (ROA) | 0.8838% | 3,085 |
| Pretax return on assets | 0.9321% | 3,835 |
| Return on Equity (ROE) | 9.2754% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.2754% | 834 |
| Net charge-offs to loans | 0.3351% | 783 |
| Credit loss provision to net charge-offs | 75.0000% | 2,399 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 3,773 |
| Efficiency ratio | 107.0175% | 208 |
| Assets per employee ($millions) | 5.0092% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 4,729 |
| Loan loss allowance to noncurrent loans | 18.2609% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 880 |
| Noncurrent loans to loans | 5.6230% | 182 |
| Net loans and leases to total assets | 40.4092% | 5,605 |
| Net loans and leases to deposits | 44.4839% | 5,744 |
| Net loans and leases to core deposits | 44.9781% | 5,804 |
| Total domestic deposits to total assets | 90.8401% | 343 |
| Equity capital to assets | 8.9103% | 5,329 |
| Core capital (leverage) ratio | 9.2267% | 4,651 |
| Tier 1 risk-based capital ratio | 17.7531% | 2,141 |
| Total risk-based capital ratio | 18.5819% | 2,237 |
| Memoranda: | ||
| Average total assets | $28,966,330 | 6,128 |
| Average earning assets | $27,341,000 | 6,090 |
| Average equity | $2,760,000 | 6,176 |
| Average total loans | $11,935,000 | 6,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3518% | 5,324 |
| Cost of funding earning assets | 0.4916% | 2,362 |
| Net interest margin | 2.8602% | 5,532 |
| Noninterest income to average assets | -0.7740% | 6,408 |
| Noninterest expense to average assets | 2.5192% | 4,204 |
| Loan and lease loss provision to assets | 0.1830% | 1,042 |
| Net operating income to assets | -0.7360% | 6,282 |
| Return on assets (ROA) | 1.5903% | 756 |
| Pretax return on assets | 1.6748% | 1,099 |
| Return on Equity (ROE) | 16.1371% | 553 |
| Retained earnings to average equity (ytd only) | 16.1371% | 213 |
| Net charge-offs to loans | 0.1700% | 1,258 |
| Credit loss provision to net charge-offs | 260.0000% | 903 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 3,241 |
| Efficiency ratio | 130.6569% | 83 |
| Assets per employee ($millions) | 4.7608% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,123 |
| Loan loss allowance to noncurrent loans | 23.4401% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.1530% | 1,068 |
| Noncurrent loans to loans | 5.0110% | 264 |
| Net loans and leases to total assets | 40.9417% | 5,549 |
| Net loans and leases to deposits | 45.5058% | 5,677 |
| Net loans and leases to core deposits | 46.0433% | 5,754 |
| Total domestic deposits to total assets | 89.9702% | 753 |
| Equity capital to assets | 9.7147% | 4,485 |
| Core capital (leverage) ratio | 9.5078% | 4,264 |
| Tier 1 risk-based capital ratio | 18.5685% | 1,982 |
| Total risk-based capital ratio | 19.5297% | 2,024 |
| Memoranda: | ||
| Average total assets | $28,422,000 | 6,198 |
| Average earning assets | $26,851,000 | 6,165 |
| Average equity | $2,801,000 | 6,236 |
| Average total loans | $11,767,000 | 6,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 5,092 |
| Cost of funding earning assets | 0.6178% | 1,620 |
| Net interest margin | 2.9768% | 5,493 |
| Noninterest income to average assets | 0.2836% | 5,091 |
| Noninterest expense to average assets | 2.7309% | 3,749 |
| Loan and lease loss provision to assets | 0.1400% | 1,893 |
| Net operating income to assets | 0.1863% | 5,797 |
| Return on assets (ROA) | 0.3991% | 5,294 |
| Pretax return on assets | 0.4201% | 5,439 |
| Return on Equity (ROE) | 4.2360% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.6350% | 5,000 |
| Net charge-offs to loans | 0.4204% | 1,011 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,276 |
| Efficiency ratio | 89.0411% | 909 |
| Assets per employee ($millions) | 4.7132% | 2,708 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 4,448 |
| Loan loss allowance to noncurrent loans | 17.5603% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 3.0234% | 663 |
| Noncurrent loans to loans | 6.3761% | 169 |
| Net loans and leases to total assets | 40.9102% | 5,693 |
| Net loans and leases to deposits | 45.7580% | 5,803 |
| Net loans and leases to core deposits | 46.3075% | 5,878 |
| Total domestic deposits to total assets | 89.4056% | 1,012 |
| Equity capital to assets | 9.9968% | 4,117 |
| Core capital (leverage) ratio | 9.2068% | 4,672 |
| Tier 1 risk-based capital ratio | 18.4969% | 1,989 |
| Total risk-based capital ratio | 19.4391% | 2,041 |
| Memoranda: | ||
| Average total assets | $28,562,200 | 6,279 |
| Average earning assets | $26,706,600 | 6,249 |
| Average equity | $2,691,200 | 6,322 |
| Average total loans | $11,418,200 | 6,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 5,127 |
| Cost of funding earning assets | 0.6232% | 1,656 |
| Net interest margin | 2.9816% | 5,539 |
| Noninterest income to average assets | 0.2794% | 5,201 |
| Noninterest expense to average assets | 2.6821% | 3,887 |
| Loan and lease loss provision to assets | 0.0652% | 3,051 |
| Net operating income to assets | 0.2990% | 5,584 |
| Return on assets (ROA) | 0.5821% | 4,613 |
| Pretax return on assets | 0.6146% | 4,982 |
| Return on Equity (ROE) | 6.2719% | 4,096 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,240 |
| Net charge-offs to loans | 0.2115% | 1,773 |
| Credit loss provision to net charge-offs | 77.7778% | 2,639 |
| Earnings coverage of net charge-offs (x) | 4.5554% | 3,427 |
| Efficiency ratio | 87.5380% | 1,042 |
| Assets per employee ($millions) | 4.6342% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 4,464 |
| Loan loss allowance to noncurrent loans | 16.5848% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 3.2692% | 682 |
| Noncurrent loans to loans | 6.9775% | 169 |
| Net loans and leases to total assets | 41.4710% | 5,719 |
| Net loans and leases to deposits | 46.4473% | 5,844 |
| Net loans and leases to core deposits | 46.4473% | 5,943 |
| Total domestic deposits to total assets | 89.2861% | 1,083 |
| Equity capital to assets | 10.0773% | 4,072 |
| Core capital (leverage) ratio | 9.2821% | 4,663 |
| Tier 1 risk-based capital ratio | 19.1788% | 1,865 |
| Total risk-based capital ratio | 20.1547% | 1,899 |
| Memoranda: | ||
| Average total assets | $28,633,000 | 6,349 |
| Average earning assets | $26,740,750 | 6,322 |
| Average equity | $2,657,250 | 6,396 |
| Average total loans | $11,347,750 | 6,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,903 |
| Cost of funding earning assets | 0.6318% | 1,635 |
| Net interest margin | 3.0550% | 5,383 |
| Noninterest income to average assets | 0.2629% | 5,322 |
| Noninterest expense to average assets | 2.6428% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4400% | 5,056 |
| Return on assets (ROA) | 0.5189% | 4,825 |
| Pretax return on assets | 0.5465% | 5,142 |
| Return on Equity (ROE) | 5.7493% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.7493% | 2,483 |
| Net charge-offs to loans | 0.0534% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,511 |
| Efficiency ratio | 85.0780% | 1,370 |
| Assets per employee ($millions) | 4.8755% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,406 |
| Loan loss allowance to noncurrent loans | 34.0000% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 1,766 |
| Noncurrent loans to loans | 3.5408% | 744 |
| Net loans and leases to total assets | 38.1534% | 5,948 |
| Net loans and leases to deposits | 42.4098% | 6,053 |
| Net loans and leases to core deposits | 42.4098% | 6,134 |
| Total domestic deposits to total assets | 89.9634% | 832 |
| Equity capital to assets | 9.6469% | 4,564 |
| Core capital (leverage) ratio | 9.0100% | 5,004 |
| Tier 1 risk-based capital ratio | 18.8446% | 1,960 |
| Total risk-based capital ratio | 19.8291% | 2,000 |
| Memoranda: | ||
| Average total assets | $28,909,000 | 6,406 |
| Average earning assets | $26,906,670 | 6,380 |
| Average equity | $2,609,000 | 6,462 |
| Average total loans | $11,241,670 | 6,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,571 |
| Cost of funding earning assets | 0.6448% | 1,621 |
| Net interest margin | 3.1338% | 5,136 |
| Noninterest income to average assets | 0.2227% | 5,574 |
| Noninterest expense to average assets | 2.6029% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5078% | 4,649 |
| Return on assets (ROA) | 0.6681% | 3,939 |
| Pretax return on assets | 0.6960% | 4,501 |
| Return on Equity (ROE) | 7.6723% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.6723% | 1,735 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1111% | 1,780 |
| Assets per employee ($millions) | 4.7470% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,486 |
| Loan loss allowance to noncurrent loans | 29.4492% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.1031% | 1,592 |
| Noncurrent loans to loans | 4.1777% | 622 |
| Net loans and leases to total assets | 39.1791% | 5,865 |
| Net loans and leases to deposits | 43.2956% | 6,011 |
| Net loans and leases to core deposits | 43.2956% | 6,106 |
| Total domestic deposits to total assets | 90.4922% | 804 |
| Equity capital to assets | 9.1602% | 4,923 |
| Core capital (leverage) ratio | 9.0427% | 4,946 |
| Tier 1 risk-based capital ratio | 18.8700% | 2,006 |
| Total risk-based capital ratio | 19.8886% | 2,041 |
| Memoranda: | ||
| Average total assets | $28,737,000 | 6,474 |
| Average earning assets | $26,677,000 | 6,451 |
| Average equity | $2,502,500 | 6,542 |
| Average total loans | $11,214,000 | 6,474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 5,276 |
| Cost of funding earning assets | 0.7196% | 1,678 |
| Net interest margin | 2.9313% | 5,727 |
| Noninterest income to average assets | 0.3065% | 5,150 |
| Noninterest expense to average assets | 2.6813% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3492% | 5,334 |
| Return on assets (ROA) | 0.4897% | 4,919 |
| Pretax return on assets | 0.5144% | 5,166 |
| Return on Equity (ROE) | 5.3078% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.6348% | 4,372 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9769% | 1,218 |
| Assets per employee ($millions) | 4.8320% | 2,403 |
| Cash dividends to net income (ytd only)* | 50.3597% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,396 |
| Loan loss allowance to noncurrent loans | 45.1299% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 2,495 |
| Noncurrent loans to loans | 2.7673% | 1,284 |
| Net loans and leases to total assets | 37.9105% | 6,100 |
| Net loans and leases to deposits | 43.3399% | 6,155 |
| Net loans and leases to core deposits | 43.3399% | 6,255 |
| Total domestic deposits to total assets | 87.4724% | 2,483 |
| Equity capital to assets | 8.2643% | 5,811 |
| Core capital (leverage) ratio | 8.7744% | 5,323 |
| Tier 1 risk-based capital ratio | 18.8685% | 1,964 |
| Total risk-based capital ratio | 19.9060% | 1,994 |
| Memoranda: | ||
| Average total assets | $28,382,200 | 6,553 |
| Average earning assets | $26,541,000 | 6,518 |
| Average equity | $2,618,800 | 6,602 |
| Average total loans | $10,885,400 | 6,555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 5,453 |
| Cost of funding earning assets | 0.7360% | 1,698 |
| Net interest margin | 2.8583% | 5,900 |
| Noninterest income to average assets | 0.3259% | 5,078 |
| Noninterest expense to average assets | 2.6449% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3401% | 5,469 |
| Return on assets (ROA) | 0.3401% | 5,596 |
| Pretax return on assets | 0.3589% | 5,721 |
| Return on Equity (ROE) | 3.5895% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.5895% | 4,140 |
| Net charge-offs to loans | 0.0247% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.9513% | 1,042 |
| Efficiency ratio | 88.0503% | 1,170 |
| Assets per employee ($millions) | 4.7057% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,607 |
| Loan loss allowance to noncurrent loans | 48.7544% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 2,800 |
| Noncurrent loans to loans | 2.5792% | 1,653 |
| Net loans and leases to total assets | 38.1030% | 6,168 |
| Net loans and leases to deposits | 41.7300% | 6,324 |
| Net loans and leases to core deposits | 42.2214% | 6,379 |
| Total domestic deposits to total assets | 91.3084% | 419 |
| Equity capital to assets | 8.4048% | 5,830 |
| Core capital (leverage) ratio | 8.9144% | 5,248 |
| Tier 1 risk-based capital ratio | 19.1232% | 1,952 |
| Total risk-based capital ratio | 20.1587% | 1,974 |
| Memoranda: | ||
| Average total assets | $28,229,750 | 6,635 |
| Average earning assets | $26,448,500 | 6,595 |
| Average equity | $2,674,500 | 6,669 |
| Average total loans | $10,824,250 | 6,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,472 |
| Cost of funding earning assets | 0.7419% | 1,753 |
| Net interest margin | 2.8465% | 5,907 |
| Noninterest income to average assets | 0.3117% | 5,212 |
| Noninterest expense to average assets | 2.6498% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3117% | 5,564 |
| Return on assets (ROA) | 0.3117% | 5,709 |
| Pretax return on assets | 0.3259% | 5,807 |
| Return on Equity (ROE) | 3.1712% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.1712% | 4,295 |
| Net charge-offs to loans | 0.0370% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,345 |
| Efficiency ratio | 89.0476% | 1,129 |
| Assets per employee ($millions) | 4.7305% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,575 |
| Loan loss allowance to noncurrent loans | 86.1635% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 3,757 |
| Noncurrent loans to loans | 1.4921% | 3,068 |
| Net loans and leases to total assets | 37.0609% | 6,234 |
| Net loans and leases to deposits | 40.7271% | 6,377 |
| Net loans and leases to core deposits | 41.2057% | 6,429 |
| Total domestic deposits to total assets | 90.9981% | 542 |
| Equity capital to assets | 8.6813% | 5,574 |
| Core capital (leverage) ratio | 8.7902% | 5,306 |
| Tier 1 risk-based capital ratio | 19.2139% | 1,936 |
| Total risk-based capital ratio | 20.2733% | 1,952 |
| Memoranda: | ||
| Average total assets | $28,228,330 | 6,685 |
| Average earning assets | $26,418,000 | 6,644 |
| Average equity | $2,775,000 | 6,704 |
| Average total loans | $10,800,670 | 6,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 5,453 |
| Cost of funding earning assets | 0.7748% | 1,680 |
| Net interest margin | 2.8256% | 5,981 |
| Noninterest income to average assets | 0.2984% | 5,317 |
| Noninterest expense to average assets | 2.6003% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3268% | 5,460 |
| Return on assets (ROA) | 0.3268% | 5,594 |
| Pretax return on assets | 0.3410% | 5,745 |
| Return on Equity (ROE) | 3.1394% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.1394% | 4,380 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4058% | 1,288 |
| Assets per employee ($millions) | 4.8058% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 4,858 |
| Loan loss allowance to noncurrent loans | 147.8723% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 4,104 |
| Noncurrent loans to loans | 0.8572% | 4,403 |
| Net loans and leases to total assets | 37.5481% | 6,178 |
| Net loans and leases to deposits | 41.8872% | 6,325 |
| Net loans and leases to core deposits | 42.3791% | 6,385 |
| Total domestic deposits to total assets | 89.6411% | 1,265 |
| Equity capital to assets | 10.0538% | 4,078 |
| Core capital (leverage) ratio | 8.9771% | 4,925 |
| Tier 1 risk-based capital ratio | 18.9563% | 2,055 |
| Total risk-based capital ratio | 20.0260% | 2,079 |
| Memoranda: | ||
| Average total assets | $28,151,000 | 6,753 |
| Average earning assets | $26,331,000 | 6,716 |
| Average equity | $2,930,500 | 6,740 |
| Average total loans | $10,873,000 | 6,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 5,463 |
| Cost of funding earning assets | 0.9196% | 1,820 |
| Net interest margin | 3.0232% | 5,996 |
| Noninterest income to average assets | 0.2968% | 5,345 |
| Noninterest expense to average assets | 2.7849% | 4,085 |
| Loan and lease loss provision to assets | 0.0513% | 5,170 |
| Net operating income to assets | 0.2523% | 5,628 |
| Return on assets (ROA) | 0.4507% | 5,127 |
| Pretax return on assets | 0.4764% | 5,349 |
| Return on Equity (ROE) | 4.2771% | 5,032 |
| Retained earnings to average equity (ytd only) | 1.8430% | 4,923 |
| Net charge-offs to loans | 0.1223% | 4,456 |
| Credit loss provision to net charge-offs | 107.6923% | 2,746 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,764 |
| Efficiency ratio | 89.7285% | 1,091 |
| Assets per employee ($millions) | 4.5778% | 2,824 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,690 |
| Loan loss allowance to noncurrent loans | 27.6342% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 2.4502% | 1,995 |
| Noncurrent loans to loans | 4.6660% | 894 |
| Net loans and leases to total assets | 38.7410% | 6,252 |
| Net loans and leases to deposits | 43.7487% | 6,382 |
| Net loans and leases to core deposits | 44.2951% | 6,449 |
| Total domestic deposits to total assets | 88.5535% | 1,870 |
| Equity capital to assets | 10.7838% | 3,187 |
| Core capital (leverage) ratio | 9.1135% | 4,718 |
| Tier 1 risk-based capital ratio | 19.2061% | 1,898 |
| Total risk-based capital ratio | 20.2922% | 1,915 |
| Memoranda: | ||
| Average total assets | $27,290,200 | 6,816 |
| Average earning assets | $25,337,200 | 6,775 |
| Average equity | $2,875,800 | 6,811 |
| Average total loans | $10,629,200 | 6,823 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 5,568 |
| Cost of funding earning assets | 0.9398% | 1,916 |
| Net interest margin | 3.0410% | 6,081 |
| Noninterest income to average assets | 0.2789% | 5,542 |
| Noninterest expense to average assets | 2.7061% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3712% | 5,368 |
| Return on assets (ROA) | 0.6362% | 4,459 |
| Pretax return on assets | 0.6704% | 4,955 |
| Return on Equity (ROE) | 6.0727% | 4,298 |
| Retained earnings to average equity (ytd only) | 6.0727% | 2,655 |
| Net charge-offs to loans | 0.0503% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.0113% | 1,466 |
| Efficiency ratio | 87.3618% | 1,262 |
| Assets per employee ($millions) | 4.5985% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,058 |
| Loan loss allowance to noncurrent loans | 26.2231% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 2.4682% | 2,142 |
| Noncurrent loans to loans | 4.7553% | 979 |
| Net loans and leases to total assets | 38.4618% | 6,393 |
| Net loans and leases to deposits | 43.5811% | 6,527 |
| Net loans and leases to core deposits | 44.1247% | 6,592 |
| Total domestic deposits to total assets | 88.2534% | 1,877 |
| Equity capital to assets | 11.2102% | 3,024 |
| Core capital (leverage) ratio | 9.2218% | 4,720 |
| Tier 1 risk-based capital ratio | 19.9654% | 1,769 |
| Total risk-based capital ratio | 21.0203% | 1,788 |
| Memoranda: | ||
| Average total assets | $27,246,000 | 6,907 |
| Average earning assets | $25,254,000 | 6,867 |
| Average equity | $2,854,250 | 6,901 |
| Average total loans | $10,591,500 | 6,919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 5,652 |
| Cost of funding earning assets | 0.9630% | 1,978 |
| Net interest margin | 3.0323% | 6,170 |
| Noninterest income to average assets | 0.2285% | 5,935 |
| Noninterest expense to average assets | 2.7791% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2440% | 5,782 |
| Return on assets (ROA) | 0.3981% | 5,454 |
| Pretax return on assets | 0.4202% | 5,658 |
| Return on Equity (ROE) | 3.8924% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.8924% | 4,025 |
| Net charge-offs to loans | 0.0569% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,942 |
| Efficiency ratio | 91.5049% | 959 |
| Assets per employee ($millions) | 4.6500% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 5,008 |
| Loan loss allowance to noncurrent loans | 23.8095% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 2.6416% | 2,098 |
| Noncurrent loans to loans | 5.3582% | 880 |
| Net loans and leases to total assets | 37.4444% | 6,522 |
| Net loans and leases to deposits | 41.8684% | 6,653 |
| Net loans and leases to core deposits | 42.3779% | 6,716 |
| Total domestic deposits to total assets | 89.4337% | 1,251 |
| Equity capital to assets | 10.1505% | 4,121 |
| Core capital (leverage) ratio | 8.9249% | 5,016 |
| Tier 1 risk-based capital ratio | 19.4172% | 1,873 |
| Total risk-based capital ratio | 20.4833% | 1,882 |
| Memoranda: | ||
| Average total assets | $27,131,000 | 6,968 |
| Average earning assets | $25,129,670 | 6,925 |
| Average equity | $2,774,670 | 6,956 |
| Average total loans | $10,540,000 | 6,979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 5,692 |
| Cost of funding earning assets | 1.0056% | 1,947 |
| Net interest margin | 3.0168% | 6,256 |
| Noninterest income to average assets | 0.3290% | 5,228 |
| Noninterest expense to average assets | 2.7219% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3709% | 5,380 |
| Return on assets (ROA) | 0.6580% | 4,298 |
| Pretax return on assets | 0.6879% | 4,831 |
| Return on Equity (ROE) | 6.4093% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.4093% | 2,735 |
| Net charge-offs to loans | 0.0761% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,561 |
| Efficiency ratio | 87.5000% | 1,337 |
| Assets per employee ($millions) | 4.5467% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 5,052 |
| Loan loss allowance to noncurrent loans | 29.5652% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 2,505 |
| Noncurrent loans to loans | 4.3730% | 1,356 |
| Net loans and leases to total assets | 38.0609% | 6,488 |
| Net loans and leases to deposits | 42.5446% | 6,632 |
| Net loans and leases to core deposits | 43.0741% | 6,698 |
| Total domestic deposits to total assets | 89.4611% | 1,393 |
| Equity capital to assets | 10.1906% | 3,864 |
| Core capital (leverage) ratio | 9.3670% | 4,247 |
| Tier 1 risk-based capital ratio | 19.6581% | 1,793 |
| Total risk-based capital ratio | 20.7497% | 1,811 |
| Memoranda: | ||
| Average total assets | $26,746,500 | 7,033 |
| Average earning assets | $24,662,000 | 6,998 |
| Average equity | $2,746,000 | 7,013 |
| Average total loans | $10,519,000 | 7,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 4,551 |
| Cost of funding earning assets | 1.1857% | 2,122 |
| Net interest margin | 3.4432% | 5,358 |
| Noninterest income to average assets | 0.2375% | 5,838 |
| Noninterest expense to average assets | 3.0409% | 3,429 |
| Loan and lease loss provision to assets | -0.0584% | 7,251 |
| Net operating income to assets | 0.4096% | 4,817 |
| Return on assets (ROA) | 0.7203% | 3,556 |
| Pretax return on assets | 0.7593% | 4,122 |
| Return on Equity (ROE) | 7.4729% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.6453% | 2,886 |
| Net charge-offs to loans | -0.2950% | 7,242 |
| Credit loss provision to net charge-offs | 48.3871% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0536% | 1,269 |
| Assets per employee ($millions) | 4.3688% | 3,122 |
| Cash dividends to net income (ytd only)* | 37.8378% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,852 |
| Loan loss allowance to noncurrent loans | 25.5083% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,291 |
| Noncurrent loans to loans | 5.1431% | 1,086 |
| Net loans and leases to total assets | 39.6025% | 6,565 |
| Net loans and leases to deposits | 44.5135% | 6,697 |
| Net loans and leases to core deposits | 44.5135% | 6,793 |
| Total domestic deposits to total assets | 88.9673% | 1,559 |
| Equity capital to assets | 10.3460% | 3,714 |
| Core capital (leverage) ratio | 9.2358% | 4,416 |
| Tier 1 risk-based capital ratio | 19.6857% | 1,702 |
| Total risk-based capital ratio | 20.8153% | 1,701 |
| Memoranda: | ||
| Average total assets | $25,683,000 | 7,083 |
| Average earning assets | $23,699,200 | 7,056 |
| Average equity | $2,475,600 | 7,127 |
| Average total loans | $10,507,000 | 7,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 4,162 |
| Cost of funding earning assets | 1.2156% | 2,219 |
| Net interest margin | 3.5507% | 4,980 |
| Noninterest income to average assets | 0.3705% | 4,907 |
| Noninterest expense to average assets | 3.0892% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5333% | 4,391 |
| Return on assets (ROA) | 0.9497% | 2,701 |
| Pretax return on assets | 0.9967% | 3,417 |
| Return on Equity (ROE) | 10.0418% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.0418% | 833 |
| Net charge-offs to loans | 0.3935% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.4517% | 3,432 |
| Efficiency ratio | 84.6924% | 1,667 |
| Assets per employee ($millions) | 4.3060% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,720 |
| Loan loss allowance to noncurrent loans | 20.6349% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 2.7017% | 2,400 |
| Noncurrent loans to loans | 4.1261% | 1,601 |
| Net loans and leases to total assets | 41.0164% | 6,561 |
| Net loans and leases to deposits | 46.7879% | 6,697 |
| Net loans and leases to core deposits | 46.7879% | 6,808 |
| Total domestic deposits to total assets | 87.6645% | 2,257 |
| Equity capital to assets | 10.4467% | 3,773 |
| Core capital (leverage) ratio | 9.5313% | 4,107 |
| Tier 1 risk-based capital ratio | 19.9548% | 1,698 |
| Total risk-based capital ratio | 20.6891% | 1,802 |
| Memoranda: | ||
| Average total assets | $25,550,500 | 7,160 |
| Average earning assets | $23,581,250 | 7,132 |
| Average equity | $2,416,500 | 7,206 |
| Average total loans | $10,504,000 | 7,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 3,668 |
| Cost of funding earning assets | 1.2353% | 2,351 |
| Net interest margin | 3.6547% | 4,496 |
| Noninterest income to average assets | 0.3614% | 4,988 |
| Noninterest expense to average assets | 3.0092% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6918% | 3,580 |
| Return on assets (ROA) | 1.2964% | 1,404 |
| Pretax return on assets | 1.3592% | 1,926 |
| Return on Equity (ROE) | 14.2099% | 934 |
| Retained earnings to average equity (ytd only) | 14.2099% | 296 |
| Net charge-offs to loans | 0.4022% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.3810% | 2,872 |
| Efficiency ratio | 80.6316% | 2,295 |
| Assets per employee ($millions) | 4.3610% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,522 |
| Loan loss allowance to noncurrent loans | 46.5438% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 3,760 |
| Noncurrent loans to loans | 2.0339% | 3,437 |
| Net loans and leases to total assets | 40.3883% | 6,717 |
| Net loans and leases to deposits | 44.8938% | 6,888 |
| Net loans and leases to core deposits | 44.8938% | 6,983 |
| Total domestic deposits to total assets | 89.9641% | 995 |
| Equity capital to assets | 9.5926% | 4,669 |
| Core capital (leverage) ratio | 9.2345% | 4,344 |
| Tier 1 risk-based capital ratio | 19.8272% | 1,646 |
| Total risk-based capital ratio | 20.6429% | 1,711 |
| Memoranda: | ||
| Average total assets | $25,455,330 | 7,229 |
| Average earning assets | $23,476,330 | 7,202 |
| Average equity | $2,322,330 | 7,284 |
| Average total loans | $10,442,670 | 7,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 3,027 |
| Cost of funding earning assets | 1.2628% | 2,409 |
| Net interest margin | 3.7539% | 3,822 |
| Noninterest income to average assets | 0.3187% | 5,371 |
| Noninterest expense to average assets | 2.9641% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7809% | 3,117 |
| Return on assets (ROA) | 0.7809% | 3,189 |
| Pretax return on assets | 0.8127% | 3,856 |
| Return on Equity (ROE) | 8.7952% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.7952% | 1,453 |
| Net charge-offs to loans | 0.3872% | 2,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 2,334 |
| Efficiency ratio | 78.4810% | 2,775 |
| Assets per employee ($millions) | 4.2978% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 6,157 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 3,927 |
| Noncurrent loans to loans | 1.8354% | 3,784 |
| Net loans and leases to total assets | 40.1326% | 6,766 |
| Net loans and leases to deposits | 44.3288% | 6,944 |
| Net loans and leases to core deposits | 44.8086% | 7,015 |
| Total domestic deposits to total assets | 90.5340% | 825 |
| Equity capital to assets | 9.1054% | 5,038 |
| Core capital (leverage) ratio | 9.0937% | 4,460 |
| Tier 1 risk-based capital ratio | 19.1279% | 1,769 |
| Total risk-based capital ratio | 20.0442% | 1,827 |
| Memoranda: | ||
| Average total assets | $25,100,000 | 7,287 |
| Average earning assets | $23,122,500 | 7,262 |
| Average equity | $2,228,500 | 7,363 |
| Average total loans | $10,329,500 | 7,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 2,655 |
| Cost of funding earning assets | 1.4820% | 2,748 |
| Net interest margin | 3.9215% | 3,391 |
| Noninterest income to average assets | 0.3522% | 5,288 |
| Noninterest expense to average assets | 3.4376% | 2,335 |
| Loan and lease loss provision to assets | 0.6963% | 2,352 |
| Net operating income to assets | -0.1849% | 6,099 |
| Return on assets (ROA) | -0.2041% | 6,170 |
| Pretax return on assets | -0.2121% | 6,097 |
| Return on Equity (ROE) | -2.1115% | 6,181 |
| Retained earnings to average equity (ytd only) | -4.1815% | 6,217 |
| Net charge-offs to loans | 2.1719% | 902 |
| Credit loss provision to net charge-offs | 75.9825% | 5,698 |
| Earnings coverage of net charge-offs (x) | 0.5502% | 5,559 |
| Efficiency ratio | 87.2081% | 1,549 |
| Assets per employee ($millions) | 4.0688% | 3,642 |
| Cash dividends to net income (ytd only)* | -98.0392% | 7,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,534 |
| Loan loss allowance to noncurrent loans | 47.1042% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 3,971 |
| Noncurrent loans to loans | 2.5397% | 2,988 |
| Net loans and leases to total assets | 41.2731% | 6,885 |
| Net loans and leases to deposits | 45.3629% | 7,065 |
| Net loans and leases to core deposits | 45.8792% | 7,145 |
| Total domestic deposits to total assets | 90.9843% | 605 |
| Equity capital to assets | 8.6388% | 5,675 |
| Core capital (leverage) ratio | 9.2309% | 4,121 |
| Tier 1 risk-based capital ratio | 19.5810% | 1,580 |
| Total risk-based capital ratio | 20.6242% | 1,595 |
| Memoranda: | ||
| Average total assets | $24,988,600 | 7,346 |
| Average earning assets | $22,873,800 | 7,324 |
| Average equity | $2,415,400 | 7,417 |
| Average total loans | $10,543,600 | 7,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 2,443 |
| Cost of funding earning assets | 1.5206% | 2,842 |
| Net interest margin | 3.9757% | 3,208 |
| Noninterest income to average assets | 0.3714% | 5,184 |
| Noninterest expense to average assets | 3.3952% | 2,309 |
| Loan and lease loss provision to assets | 0.2440% | 4,646 |
| Net operating income to assets | 0.3501% | 4,969 |
| Return on assets (ROA) | 0.3501% | 5,140 |
| Pretax return on assets | 0.3661% | 5,323 |
| Return on Equity (ROE) | 3.5313% | 4,990 |
| Retained earnings to average equity (ytd only) | 0.8559% | 5,459 |
| Net charge-offs to loans | 0.7902% | 2,466 |
| Credit loss provision to net charge-offs | 73.0159% | 5,341 |
| Earnings coverage of net charge-offs (x) | 1.8254% | 4,342 |
| Efficiency ratio | 84.7682% | 1,755 |
| Assets per employee ($millions) | 3.9858% | 3,869 |
| Cash dividends to net income (ytd only)* | 75.7614% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,719 |
| Loan loss allowance to noncurrent loans | 37.4707% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5423% | 2,821 |
| Noncurrent loans to loans | 4.1468% | 1,776 |
| Net loans and leases to total assets | 42.3876% | 6,955 |
| Net loans and leases to deposits | 48.2714% | 7,077 |
| Net loans and leases to core deposits | 48.8530% | 7,168 |
| Total domestic deposits to total assets | 87.8110% | 2,086 |
| Equity capital to assets | 11.6287% | 2,431 |
| Core capital (leverage) ratio | 9.9143% | 3,342 |
| Tier 1 risk-based capital ratio | 20.7554% | 1,404 |
| Total risk-based capital ratio | 22.0057% | 1,380 |
| Memoranda: | ||
| Average total assets | $25,132,500 | 7,434 |
| Average earning assets | $22,972,250 | 7,417 |
| Average equity | $2,492,000 | 7,495 |
| Average total loans | $10,630,000 | 7,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 2,286 |
| Cost of funding earning assets | 1.5659% | 2,864 |
| Net interest margin | 3.9961% | 3,032 |
| Noninterest income to average assets | 0.3524% | 5,326 |
| Noninterest expense to average assets | 3.3127% | 2,523 |
| Loan and lease loss provision to assets | 0.1566% | 5,333 |
| Net operating income to assets | 0.5169% | 4,254 |
| Return on assets (ROA) | 0.5169% | 4,408 |
| Pretax return on assets | 0.5404% | 4,776 |
| Return on Equity (ROE) | 5.5099% | 4,038 |
| Retained earnings to average equity (ytd only) | 1.3357% | 5,218 |
| Net charge-offs to loans | 0.4655% | 3,146 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | 3.5600% | 3,269 |
| Efficiency ratio | 82.6172% | 2,087 |
| Assets per employee ($millions) | 4.0940% | 3,589 |
| Cash dividends to net income (ytd only)* | 75.7576% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,269 |
| Loan loss allowance to noncurrent loans | 35.0305% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 2.7357% | 2,649 |
| Noncurrent loans to loans | 4.6972% | 1,516 |
| Net loans and leases to total assets | 41.8539% | 7,049 |
| Net loans and leases to deposits | 47.1130% | 7,201 |
| Net loans and leases to core deposits | 47.6634% | 7,296 |
| Total domestic deposits to total assets | 88.8373% | 1,529 |
| Equity capital to assets | 10.5398% | 3,358 |
| Core capital (leverage) ratio | 9.6317% | 3,635 |
| Tier 1 risk-based capital ratio | 20.1003% | 1,501 |
| Total risk-based capital ratio | 21.3534% | 1,469 |
| Memoranda: | ||
| Average total assets | $25,538,330 | 7,483 |
| Average earning assets | $23,373,000 | 7,458 |
| Average equity | $2,395,670 | 7,573 |
| Average total loans | $10,741,000 | 7,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6513% | 1,956 |
| Cost of funding earning assets | 1.6315% | 2,766 |
| Net interest margin | 4.0198% | 2,790 |
| Noninterest income to average assets | 0.3535% | 5,311 |
| Noninterest expense to average assets | 3.3813% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6148% | 3,837 |
| Return on assets (ROA) | 0.6148% | 3,978 |
| Pretax return on assets | 0.6455% | 4,432 |
| Return on Equity (ROE) | 6.9595% | 3,365 |
| Retained earnings to average equity (ytd only) | -1.7399% | 6,165 |
| Net charge-offs to loans | 0.0735% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,137 |
| Efficiency ratio | 83.9695% | 2,021 |
| Assets per employee ($millions) | 4.2660% | 3,353 |
| Cash dividends to net income (ytd only)* | 125.0000% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,462 |
| Loan loss allowance to noncurrent loans | 38.6313% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 2.4769% | 2,928 |
| Noncurrent loans to loans | 4.1332% | 1,872 |
| Net loans and leases to total assets | 42.1355% | 7,120 |
| Net loans and leases to deposits | 47.3629% | 7,261 |
| Net loans and leases to core deposits | 47.8929% | 7,370 |
| Total domestic deposits to total assets | 88.9631% | 1,533 |
| Equity capital to assets | 9.2944% | 4,840 |
| Core capital (leverage) ratio | 9.0057% | 4,557 |
| Tier 1 risk-based capital ratio | 19.0377% | 1,712 |
| Total risk-based capital ratio | 20.2925% | 1,677 |
| Memoranda: | ||
| Average total assets | $26,025,500 | 7,565 |
| Average earning assets | $23,782,000 | 7,539 |
| Average equity | $2,299,000 | 7,688 |
| Average total loans | $10,885,000 | 7,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 3,126 |
| Cost of funding earning assets | 1.8557% | 3,704 |
| Net interest margin | 3.8390% | 3,533 |
| Noninterest income to average assets | 1.3176% | 865 |
| Noninterest expense to average assets | 3.2899% | 3,039 |
| Loan and lease loss provision to assets | 0.9480% | 2,378 |
| Net operating income to assets | 0.2852% | 4,589 |
| Return on assets (ROA) | 0.2852% | 4,676 |
| Pretax return on assets | 0.5865% | 3,940 |
| Return on Equity (ROE) | 2.8944% | 4,553 |
| Retained earnings to average equity (ytd only) | -11.5777% | 6,650 |
| Net charge-offs to loans | 1.9723% | 1,247 |
| Credit loss provision to net charge-offs | 110.7981% | 4,966 |
| Earnings coverage of net charge-offs (x) | 1.7934% | 4,378 |
| Efficiency ratio | 68.1932% | 4,975 |
| Assets per employee ($millions) | 4.4092% | 3,096 |
| Cash dividends to net income (ytd only)* | 500.0000% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 3,136 |
| Loan loss allowance to noncurrent loans | 37.8205% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.4532% | 2,837 |
| Noncurrent loans to loans | 4.3293% | 1,662 |
| Net loans and leases to total assets | 40.1928% | 7,339 |
| Net loans and leases to deposits | 44.2617% | 7,505 |
| Net loans and leases to core deposits | 51.8253% | 7,531 |
| Total domestic deposits to total assets | 90.8070% | 616 |
| Equity capital to assets | 8.3878% | 6,069 |
| Core capital (leverage) ratio | 9.1602% | 4,181 |
| Tier 1 risk-based capital ratio | 18.7691% | 1,706 |
| Total risk-based capital ratio | 20.0173% | 1,667 |
| Memoranda: | ||
| Average total assets | $24,894,400 | 7,641 |
| Average earning assets | $22,740,200 | 7,625 |
| Average equity | $2,453,000 | 7,741 |
| Average total loans | $10,799,400 | 7,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7687% | 3,024 |
| Cost of funding earning assets | 1.9150% | 3,795 |
| Net interest margin | 3.8537% | 3,414 |
| Noninterest income to average assets | 1.6378% | 548 |
| Noninterest expense to average assets | 3.3082% | 2,888 |
| Loan and lease loss provision to assets | 1.2841% | 1,497 |
| Net operating income to assets | 0.1741% | 5,237 |
| Return on assets (ROA) | 0.1741% | 5,308 |
| Pretax return on assets | 0.5713% | 4,294 |
| Return on Equity (ROE) | 1.6990% | 5,261 |
| Retained earnings to average equity (ytd only) | -13.4310% | 7,037 |
| Net charge-offs to loans | 2.5192% | 728 |
| Credit loss provision to net charge-offs | 115.6863% | 4,389 |
| Earnings coverage of net charge-offs (x) | 1.6716% | 4,543 |
| Efficiency ratio | 64.0674% | 5,738 |
| Assets per employee ($millions) | 3.6021% | 4,681 |
| Cash dividends to net income (ytd only)* | 890.5320% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,312 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 3.4384% | 1,946 |
| Noncurrent loans to loans | 6.5590% | 872 |
| Net loans and leases to total assets | 40.4997% | 7,442 |
| Net loans and leases to deposits | 45.2459% | 7,590 |
| Net loans and leases to core deposits | 52.5904% | 7,632 |
| Total domestic deposits to total assets | 89.5102% | 959 |
| Equity capital to assets | 9.8830% | 4,232 |
| Core capital (leverage) ratio | 9.7105% | 3,631 |
| Tier 1 risk-based capital ratio | 20.2120% | 1,516 |
| Total risk-based capital ratio | 21.4637% | 1,472 |
| Memoranda: | ||
| Average total assets | $24,504,250 | 7,726 |
| Average earning assets | $22,419,250 | 7,705 |
| Average equity | $2,511,500 | 7,804 |
| Average total loans | $10,796,750 | 7,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8025% | 3,033 |
| Cost of funding earning assets | 2.0033% | 3,766 |
| Net interest margin | 3.7991% | 3,559 |
| Noninterest income to average assets | 2.2499% | 311 |
| Noninterest expense to average assets | 3.3543% | 2,774 |
| Loan and lease loss provision to assets | 1.9450% | 839 |
| Net operating income to assets | -0.2390% | 6,244 |
| Return on assets (ROA) | -0.2390% | 6,261 |
| Pretax return on assets | 0.4203% | 4,877 |
| Return on Equity (ROE) | -2.3034% | 6,267 |
| Retained earnings to average equity (ytd only) | -17.7919% | 7,386 |
| Net charge-offs to loans | 3.4036% | 464 |
| Credit loss provision to net charge-offs | 126.8817% | 3,663 |
| Earnings coverage of net charge-offs (x) | 1.5430% | 4,380 |
| Efficiency ratio | 58.6455% | 6,743 |
| Assets per employee ($millions) | 3.5160% | 4,782 |
| Cash dividends to net income (ytd only)* | -672.4138% | 8,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,827 |
| Loan loss allowance to noncurrent loans | 85.3556% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 3,600 |
| Noncurrent loans to loans | 2.2097% | 3,245 |
| Net loans and leases to total assets | 43.1172% | 7,384 |
| Net loans and leases to deposits | 47.8427% | 7,571 |
| Net loans and leases to core deposits | 53.4906% | 7,670 |
| Total domestic deposits to total assets | 90.1227% | 777 |
| Equity capital to assets | 9.1825% | 5,042 |
| Core capital (leverage) ratio | 9.8835% | 3,413 |
| Tier 1 risk-based capital ratio | 20.1695% | 1,545 |
| Total risk-based capital ratio | 21.4286% | 1,505 |
| Memoranda: | ||
| Average total assets | $24,267,330 | 7,810 |
| Average earning assets | $22,163,000 | 7,786 |
| Average equity | $2,518,000 | 7,874 |
| Average total loans | $10,929,670 | 7,820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9301% | 2,649 |
| Cost of funding earning assets | 2.1101% | 3,608 |
| Net interest margin | 3.8200% | 3,373 |
| Noninterest income to average assets | 4.2996% | 152 |
| Noninterest expense to average assets | 3.4530% | 2,222 |
| Loan and lease loss provision to assets | 0.6308% | 2,003 |
| Net operating income to assets | 2.2743% | 208 |
| Return on assets (ROA) | 2.2743% | 238 |
| Pretax return on assets | 3.7020% | 68 |
| Return on Equity (ROE) | 20.7027% | 378 |
| Retained earnings to average equity (ytd only) | -8.7646% | 6,993 |
| Net charge-offs to loans | 0.3641% | 2,641 |
| Credit loss provision to net charge-offs | 380.0000% | 1,356 |
| Earnings coverage of net charge-offs (x) | 26.1000% | 1,190 |
| Efficiency ratio | 44.3497% | 7,913 |
| Assets per employee ($millions) | 3.5360% | 4,737 |
| Cash dividends to net income (ytd only)* | 142.3358% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 2,318 |
| Loan loss allowance to noncurrent loans | 19.5489% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 4.0360% | 1,272 |
| Noncurrent loans to loans | 8.4314% | 408 |
| Net loans and leases to total assets | 43.8752% | 7,351 |
| Net loans and leases to deposits | 49.3210% | 7,525 |
| Net loans and leases to core deposits | 55.4959% | 7,638 |
| Total domestic deposits to total assets | 88.9585% | 1,245 |
| Equity capital to assets | 10.2214% | 3,745 |
| Core capital (leverage) ratio | 10.7758% | 2,677 |
| Tier 1 risk-based capital ratio | 21.4420% | 1,377 |
| Total risk-based capital ratio | 22.6956% | 1,345 |
| Memoranda: | ||
| Average total assets | $24,095,000 | 7,862 |
| Average earning assets | $21,989,500 | 7,840 |
| Average equity | $2,647,000 | 7,886 |
| Average total loans | $10,986,500 | 7,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3513% | 3,687 |
| Cost of funding earning assets | 2.4282% | 4,585 |
| Net interest margin | 3.9231% | 3,469 |
| Noninterest income to average assets | 1.2407% | 967 |
| Noninterest expense to average assets | 3.8784% | 1,598 |
| Loan and lease loss provision to assets | 0.1952% | 4,926 |
| Net operating income to assets | 0.7766% | 3,537 |
| Return on assets (ROA) | 0.7766% | 3,379 |
| Pretax return on assets | 0.7418% | 4,274 |
| Return on Equity (ROE) | 6.7793% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.2877% | 4,444 |
| Net charge-offs to loans | 0.6191% | 1,986 |
| Credit loss provision to net charge-offs | 65.2174% | 6,153 |
| Earnings coverage of net charge-offs (x) | 3.1304% | 4,524 |
| Efficiency ratio | 79.2793% | 2,710 |
| Assets per employee ($millions) | 2.6042% | 6,993 |
| Cash dividends to net income (ytd only)* | 81.0056% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,147 |
| Loan loss allowance to noncurrent loans | 24.1002% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 3.0165% | 1,521 |
| Noncurrent loans to loans | 5.8458% | 640 |
| Net loans and leases to total assets | 45.9809% | 7,329 |
| Net loans and leases to deposits | 52.8855% | 7,495 |
| Net loans and leases to core deposits | 58.7559% | 7,642 |
| Total domestic deposits to total assets | 86.9443% | 1,960 |
| Equity capital to assets | 11.7928% | 2,438 |
| Core capital (leverage) ratio | 10.8274% | 2,725 |
| Tier 1 risk-based capital ratio | 21.6801% | 1,358 |
| Total risk-based capital ratio | 22.9623% | 1,317 |
| Memoranda: | ||
| Average total assets | $23,050,600 | 7,909 |
| Average earning assets | $21,003,600 | 7,895 |
| Average equity | $2,640,400 | 7,943 |
| Average total loans | $11,144,600 | 7,884 |