Home > Provincial Bank > Performance and Condition Ratios
Provincial 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 | 2.9214% | 5,637 |
| Cost of funding earning assets | 0.1939% | 5,130 |
| Net interest margin | 2.7274% | 5,454 |
| Noninterest income to average assets | 1.5726% | 497 |
| Noninterest expense to average assets | 3.3001% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5547% | 4,477 |
| Return on assets (ROA) | 0.5547% | 4,587 |
| Pretax return on assets | 0.5547% | 4,991 |
| Return on Equity (ROE) | 4.3922% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.3922% | 3,212 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2759% | 1,047 |
| Assets per employee ($millions) | 2.6181% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 2,137 |
| Noncurrent loans to loans | 1.3521% | 1,629 |
| Net loans and leases to total assets | 71.5374% | 2,258 |
| Net loans and leases to deposits | 90.4030% | 1,703 |
| Net loans and leases to core deposits | 98.9434% | 1,731 |
| Total domestic deposits to total assets | 79.1316% | 4,692 |
| Equity capital to assets | 15.8838% | 571 |
| Core capital (leverage) ratio | 11.1503% | 2,310 |
| Tier 1 risk-based capital ratio | 14.6336% | 3,221 |
| Total risk-based capital ratio | 14.6336% | 3,842 |
| Memoranda: | ||
| Average total assets | $90,379,250 | 4,574 |
| Average earning assets | $75,624,500 | 4,724 |
| Average equity | $11,413,750 | 4,393 |
| Average total loans | $67,646,500 | 4,133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2774% | 5,960 |
| Cost of funding earning assets | 0.1473% | 5,564 |
| Net interest margin | 2.1302% | 5,921 |
| Noninterest income to average assets | 0.8939% | 1,391 |
| Noninterest expense to average assets | 2.3383% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3391% | 5,209 |
| Return on assets (ROA) | 0.3391% | 5,297 |
| Pretax return on assets | 0.3391% | 5,436 |
| Return on Equity (ROE) | 2.9318% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.9318% | 4,048 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7862% | 982 |
| Assets per employee ($millions) | 2.9990% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 2,090 |
| Noncurrent loans to loans | 1.3431% | 1,676 |
| Net loans and leases to total assets | 76.2190% | 1,462 |
| Net loans and leases to deposits | 95.6936% | 1,111 |
| Net loans and leases to core deposits | 105.3930% | 1,228 |
| Total domestic deposits to total assets | 79.6490% | 4,637 |
| Equity capital to assets | 15.4683% | 633 |
| Core capital (leverage) ratio | 10.3505% | 3,132 |
| Tier 1 risk-based capital ratio | 13.3447% | 3,992 |
| Total risk-based capital ratio | 13.3447% | 4,688 |
| Memoranda: | ||
| Average total assets | $90,834,000 | 4,605 |
| Average earning assets | $76,050,670 | 4,754 |
| Average equity | $10,505,330 | 4,569 |
| Average total loans | $68,969,000 | 4,113 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,675 |
| Cost of funding earning assets | 0.4864% | 2,213 |
| Net interest margin | 3.6561% | 2,866 |
| Noninterest income to average assets | 2.3755% | 268 |
| Noninterest expense to average assets | 9.1864% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -3.7473% | 6,099 |
| Return on assets (ROA) | -3.7473% | 6,099 |
| Pretax return on assets | -3.7473% | 6,094 |
| Return on Equity (ROE) | -38.8658% | 6,097 |
| Retained earnings to average equity (ytd only) | -60.3671% | 6,086 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.8961% | 32 |
| Assets per employee ($millions) | 3.0758% | 5,429 |
| Cash dividends to net income (ytd only)* | -55.3216% | 6,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,151 |
| Loan loss allowance to noncurrent loans | 122.9371% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 2,899 |
| Noncurrent loans to loans | 1.0208% | 2,345 |
| Net loans and leases to total assets | 70.2690% | 2,294 |
| Net loans and leases to deposits | 81.2182% | 2,643 |
| Net loans and leases to core deposits | 88.0239% | 2,560 |
| Total domestic deposits to total assets | 86.5188% | 2,435 |
| Equity capital to assets | 8.2661% | 5,714 |
| Core capital (leverage) ratio | 9.2796% | 4,513 |
| Tier 1 risk-based capital ratio | 11.0073% | 5,497 |
| Total risk-based capital ratio | 12.2191% | 5,430 |
| Memoranda: | ||
| Average total assets | $91,265,500 | 4,632 |
| Average earning assets | $76,474,500 | 4,785 |
| Average equity | $8,799,500 | 4,903 |
| Average total loans | $69,166,000 | 4,130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 771 |
| Cost of funding earning assets | 0.4816% | 2,344 |
| Net interest margin | 4.4166% | 770 |
| Noninterest income to average assets | 3.1562% | 193 |
| Noninterest expense to average assets | 5.3009% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7870% | 496 |
| Return on assets (ROA) | 1.7870% | 507 |
| Pretax return on assets | 1.7870% | 824 |
| Return on Equity (ROE) | 16.5803% | 498 |
| Retained earnings to average equity (ytd only) | 11.2397% | 323 |
| Net charge-offs to loans | -0.0297% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7876% | 2,461 |
| Assets per employee ($millions) | 2.2133% | 5,994 |
| Cash dividends to net income (ytd only)* | 32.2102% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,979 |
| Loan loss allowance to noncurrent loans | 399.5455% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 4,542 |
| Noncurrent loans to loans | 0.3222% | 4,305 |
| Net loans and leases to total assets | 80.1510% | 828 |
| Net loans and leases to deposits | 95.7583% | 1,039 |
| Net loans and leases to core deposits | 105.6350% | 1,119 |
| Total domestic deposits to total assets | 83.7013% | 3,590 |
| Equity capital to assets | 11.2514% | 2,585 |
| Core capital (leverage) ratio | 11.2147% | 2,198 |
| Tier 1 risk-based capital ratio | 13.5095% | 4,002 |
| Total risk-based capital ratio | 14.7602% | 3,939 |
| Memoranda: | ||
| Average total assets | $83,042,600 | 4,809 |
| Average earning assets | $73,925,200 | 4,858 |
| Average equity | $8,950,400 | 4,864 |
| Average total loans | $70,710,200 | 4,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 856 |
| Cost of funding earning assets | 0.4760% | 2,444 |
| Net interest margin | 4.3725% | 838 |
| Noninterest income to average assets | 3.3068% | 187 |
| Noninterest expense to average assets | 5.2380% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9602% | 386 |
| Return on assets (ROA) | 1.9602% | 402 |
| Pretax return on assets | 1.9602% | 649 |
| Return on Equity (ROE) | 18.3925% | 378 |
| Retained earnings to average equity (ytd only) | 11.1685% | 451 |
| Net charge-offs to loans | -0.0318% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7680% | 2,754 |
| Assets per employee ($millions) | 2.1776% | 6,093 |
| Cash dividends to net income (ytd only)* | 39.2770% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 3,602 |
| Loan loss allowance to noncurrent loans | 377.5862% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,283 |
| Noncurrent loans to loans | 0.3201% | 4,451 |
| Net loans and leases to total assets | 86.5231% | 202 |
| Net loans and leases to deposits | 103.8375% | 455 |
| Net loans and leases to core deposits | 114.7903% | 642 |
| Total domestic deposits to total assets | 83.3255% | 3,687 |
| Equity capital to assets | 11.1143% | 2,892 |
| Core capital (leverage) ratio | 11.0426% | 2,442 |
| Tier 1 risk-based capital ratio | 12.4846% | 4,766 |
| Total risk-based capital ratio | 13.6822% | 4,715 |
| Memoranda: | ||
| Average total assets | $82,777,000 | 4,872 |
| Average earning assets | $73,671,250 | 4,915 |
| Average equity | $8,822,250 | 4,949 |
| Average total loans | $71,315,250 | 4,099 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 921 |
| Cost of funding earning assets | 0.4712% | 2,505 |
| Net interest margin | 4.3114% | 900 |
| Noninterest income to average assets | 3.2010% | 199 |
| Noninterest expense to average assets | 5.2980% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7273% | 596 |
| Return on assets (ROA) | 1.7273% | 622 |
| Pretax return on assets | 1.7273% | 1,029 |
| Return on Equity (ROE) | 16.4418% | 557 |
| Retained earnings to average equity (ytd only) | 9.1062% | 888 |
| Net charge-offs to loans | -0.0395% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4127% | 2,473 |
| Assets per employee ($millions) | 2.2788% | 6,136 |
| Cash dividends to net income (ytd only)* | 44.6154% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 3,834 |
| Loan loss allowance to noncurrent loans | 423.3010% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 4,547 |
| Noncurrent loans to loans | 0.2819% | 4,665 |
| Net loans and leases to total assets | 85.6338% | 256 |
| Net loans and leases to deposits | 107.8945% | 309 |
| Net loans and leases to core deposits | 119.6444% | 478 |
| Total domestic deposits to total assets | 79.3681% | 5,008 |
| Equity capital to assets | 10.5010% | 3,439 |
| Core capital (leverage) ratio | 10.8322% | 2,579 |
| Tier 1 risk-based capital ratio | 12.0495% | 5,109 |
| Total risk-based capital ratio | 13.2500% | 5,046 |
| Memoranda: | ||
| Average total assets | $82,786,330 | 4,921 |
| Average earning assets | $73,433,000 | 4,970 |
| Average equity | $8,697,330 | 5,008 |
| Average total loans | $70,929,330 | 4,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 844 |
| Cost of funding earning assets | 0.4854% | 2,416 |
| Net interest margin | 4.3248% | 834 |
| Noninterest income to average assets | 3.4479% | 190 |
| Noninterest expense to average assets | 5.5985% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6727% | 628 |
| Return on assets (ROA) | 1.6727% | 658 |
| Pretax return on assets | 1.6727% | 1,107 |
| Return on Equity (ROE) | 15.9183% | 577 |
| Retained earnings to average equity (ytd only) | 15.0365% | 280 |
| Net charge-offs to loans | -0.0515% | 5,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9953% | 2,340 |
| Assets per employee ($millions) | 2.2202% | 6,225 |
| Cash dividends to net income (ytd only)* | 5.5394% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 3,759 |
| Loan loss allowance to noncurrent loans | 95.2747% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 1,434 |
| Noncurrent loans to loans | 1.2975% | 2,216 |
| Net loans and leases to total assets | 84.3210% | 287 |
| Net loans and leases to deposits | 101.3312% | 489 |
| Net loans and leases to core deposits | 112.0914% | 651 |
| Total domestic deposits to total assets | 83.2132% | 4,113 |
| Equity capital to assets | 10.6905% | 3,328 |
| Core capital (leverage) ratio | 11.0036% | 2,408 |
| Tier 1 risk-based capital ratio | 12.5340% | 4,885 |
| Total risk-based capital ratio | 13.7830% | 4,795 |
| Memoranda: | ||
| Average total assets | $82,021,500 | 4,986 |
| Average earning assets | $72,512,000 | 5,044 |
| Average equity | $8,619,000 | 5,074 |
| Average total loans | $69,856,500 | 4,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 758 |
| Cost of funding earning assets | 0.5184% | 2,504 |
| Net interest margin | 4.4902% | 762 |
| Noninterest income to average assets | 2.6355% | 224 |
| Noninterest expense to average assets | 5.3750% | 244 |
| Loan and lease loss provision to assets | 0.0676% | 3,136 |
| Net operating income to assets | 1.1234% | 1,889 |
| Return on assets (ROA) | 1.1234% | 1,948 |
| Pretax return on assets | 1.1234% | 2,994 |
| Return on Equity (ROE) | 10.5263% | 1,897 |
| Retained earnings to average equity (ytd only) | 3.7890% | 3,525 |
| Net charge-offs to loans | 0.0062% | 4,800 |
| Credit loss provision to net charge-offs | 1,300.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 237 |
| Efficiency ratio | 81.8614% | 1,680 |
| Assets per employee ($millions) | 2.2134% | 6,303 |
| Cash dividends to net income (ytd only)* | 64.0046% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 3,804 |
| Loan loss allowance to noncurrent loans | 147.6764% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 2,097 |
| Noncurrent loans to loans | 0.8350% | 3,225 |
| Net loans and leases to total assets | 83.9123% | 348 |
| Net loans and leases to deposits | 106.9223% | 327 |
| Net loans and leases to core deposits | 119.0761% | 433 |
| Total domestic deposits to total assets | 78.4798% | 5,352 |
| Equity capital to assets | 10.3254% | 3,692 |
| Core capital (leverage) ratio | 10.4433% | 3,005 |
| Tier 1 risk-based capital ratio | 11.9970% | 5,369 |
| Total risk-based capital ratio | 13.2292% | 5,276 |
| Memoranda: | ||
| Average total assets | $76,911,600 | 5,130 |
| Average earning assets | $67,324,800 | 5,190 |
| Average equity | $8,208,000 | 5,149 |
| Average total loans | $64,082,800 | 4,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 823 |
| Cost of funding earning assets | 0.5210% | 2,559 |
| Net interest margin | 4.4429% | 826 |
| Noninterest income to average assets | 2.6872% | 221 |
| Noninterest expense to average assets | 5.3814% | 240 |
| Loan and lease loss provision to assets | 0.0916% | 2,521 |
| Net operating income to assets | 1.0907% | 2,068 |
| Return on assets (ROA) | 1.0907% | 2,138 |
| Pretax return on assets | 1.0907% | 3,226 |
| Return on Equity (ROE) | 10.1315% | 2,155 |
| Retained earnings to average equity (ytd only) | 1.0803% | 5,452 |
| Net charge-offs to loans | 0.0170% | 4,195 |
| Credit loss provision to net charge-offs | 650.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 83.8463% | 681 |
| Efficiency ratio | 81.9866% | 1,625 |
| Assets per employee ($millions) | 2.1122% | 6,414 |
| Cash dividends to net income (ytd only)* | 89.3373% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,506 |
| Loan loss allowance to noncurrent loans | 505.3254% | 958 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 2,000 |
| Noncurrent loans to loans | 0.2628% | 5,120 |
| Net loans and leases to total assets | 81.1826% | 587 |
| Net loans and leases to deposits | 94.6361% | 982 |
| Net loans and leases to core deposits | 104.8972% | 1,037 |
| Total domestic deposits to total assets | 85.7839% | 2,965 |
| Equity capital to assets | 10.5066% | 3,548 |
| Core capital (leverage) ratio | 10.3964% | 3,163 |
| Tier 1 risk-based capital ratio | 12.2478% | 5,333 |
| Total risk-based capital ratio | 13.4982% | 5,253 |
| Memoranda: | ||
| Average total assets | $75,665,750 | 5,216 |
| Average earning assets | $66,020,750 | 5,280 |
| Average equity | $8,146,000 | 5,208 |
| Average total loans | $62,709,000 | 4,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 858 |
| Cost of funding earning assets | 0.5224% | 2,611 |
| Net interest margin | 4.4097% | 832 |
| Noninterest income to average assets | 2.7526% | 212 |
| Noninterest expense to average assets | 5.4411% | 243 |
| Loan and lease loss provision to assets | 0.1390% | 1,783 |
| Net operating income to assets | 1.0075% | 2,291 |
| Return on assets (ROA) | 1.0075% | 2,358 |
| Pretax return on assets | 1.0075% | 3,449 |
| Return on Equity (ROE) | 9.2808% | 2,465 |
| Retained earnings to average equity (ytd only) | 1.9202% | 4,922 |
| Net charge-offs to loans | 0.0515% | 3,236 |
| Credit loss provision to net charge-offs | 325.0000% | 803 |
| Earnings coverage of net charge-offs (x) | 26.8125% | 1,357 |
| Efficiency ratio | 82.5963% | 1,680 |
| Assets per employee ($millions) | 1.9811% | 6,513 |
| Cash dividends to net income (ytd only)* | 79.3103% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,579 |
| Loan loss allowance to noncurrent loans | 462.2951% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 1.6139% | 2,029 |
| Noncurrent loans to loans | 0.2922% | 5,142 |
| Net loans and leases to total assets | 82.0674% | 461 |
| Net loans and leases to deposits | 98.8196% | 614 |
| Net loans and leases to core deposits | 109.6904% | 708 |
| Total domestic deposits to total assets | 83.0477% | 4,288 |
| Equity capital to assets | 10.9243% | 2,954 |
| Core capital (leverage) ratio | 10.7884% | 2,635 |
| Tier 1 risk-based capital ratio | 12.6948% | 5,088 |
| Total risk-based capital ratio | 13.9450% | 5,033 |
| Memoranda: | ||
| Average total assets | $74,837,330 | 5,275 |
| Average earning assets | $65,083,670 | 5,348 |
| Average equity | $8,124,330 | 5,237 |
| Average total loans | $62,179,000 | 4,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 916 |
| Cost of funding earning assets | 0.5216% | 2,697 |
| Net interest margin | 4.3445% | 910 |
| Noninterest income to average assets | 2.6107% | 223 |
| Noninterest expense to average assets | 5.3501% | 261 |
| Loan and lease loss provision to assets | 0.2091% | 1,101 |
| Net operating income to assets | 0.8470% | 2,910 |
| Return on assets (ROA) | 0.8470% | 2,984 |
| Pretax return on assets | 0.8470% | 3,914 |
| Return on Equity (ROE) | 7.8271% | 3,027 |
| Retained earnings to average equity (ytd only) | -6.9850% | 6,242 |
| Net charge-offs to loans | -0.0452% | 5,766 |
| Credit loss provision to net charge-offs | -557.1429% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5146% | 1,731 |
| Assets per employee ($millions) | 1.9637% | 6,587 |
| Cash dividends to net income (ytd only)* | 189.2405% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 3,568 |
| Loan loss allowance to noncurrent loans | 342.4000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 2,516 |
| Noncurrent loans to loans | 0.4109% | 4,900 |
| Net loans and leases to total assets | 80.3835% | 505 |
| Net loans and leases to deposits | 94.1264% | 781 |
| Net loans and leases to core deposits | 103.0052% | 924 |
| Total domestic deposits to total assets | 85.3996% | 3,673 |
| Equity capital to assets | 10.7262% | 3,007 |
| Core capital (leverage) ratio | 10.7809% | 2,618 |
| Tier 1 risk-based capital ratio | 12.5694% | 5,271 |
| Total risk-based capital ratio | 13.8207% | 5,211 |
| Memoranda: | ||
| Average total assets | $74,615,000 | 5,322 |
| Average earning assets | $65,186,000 | 5,401 |
| Average equity | $8,074,500 | 5,269 |
| Average total loans | $61,954,500 | 4,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 797 |
| Cost of funding earning assets | 0.5241% | 3,358 |
| Net interest margin | 4.5491% | 671 |
| Noninterest income to average assets | 3.3747% | 194 |
| Noninterest expense to average assets | 5.4631% | 250 |
| Loan and lease loss provision to assets | 0.3456% | 921 |
| Net operating income to assets | 1.5413% | 764 |
| Return on assets (ROA) | 1.5413% | 794 |
| Pretax return on assets | 1.5413% | 1,319 |
| Return on Equity (ROE) | 13.1705% | 1,136 |
| Retained earnings to average equity (ytd only) | -7.3586% | 6,478 |
| Net charge-offs to loans | 0.1757% | 3,072 |
| Credit loss provision to net charge-offs | 244.6602% | 937 |
| Earnings coverage of net charge-offs (x) | 13.3592% | 2,033 |
| Efficiency ratio | 74.3284% | 3,079 |
| Assets per employee ($millions) | 2.0725% | 6,620 |
| Cash dividends to net income (ytd only)* | 155.8719% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,214 |
| Loan loss allowance to noncurrent loans | 139.8964% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 2,065 |
| Noncurrent loans to loans | 0.9180% | 3,691 |
| Net loans and leases to total assets | 83.4484% | 294 |
| Net loans and leases to deposits | 101.4767% | 420 |
| Net loans and leases to core deposits | 111.4532% | 558 |
| Total domestic deposits to total assets | 82.2340% | 4,798 |
| Equity capital to assets | 10.9169% | 2,690 |
| Core capital (leverage) ratio | 10.9257% | 2,455 |
| Tier 1 risk-based capital ratio | 12.6898% | 5,178 |
| Total risk-based capital ratio | 13.9402% | 5,125 |
| Memoranda: | ||
| Average total assets | $72,925,600 | 5,394 |
| Average earning assets | $63,726,600 | 5,477 |
| Average equity | $8,534,200 | 5,201 |
| Average total loans | $58,609,600 | 4,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 752 |
| Cost of funding earning assets | 0.5261% | 3,509 |
| Net interest margin | 4.5915% | 629 |
| Noninterest income to average assets | 3.8305% | 185 |
| Noninterest expense to average assets | 5.4193% | 261 |
| Loan and lease loss provision to assets | 0.3475% | 928 |
| Net operating income to assets | 2.0761% | 315 |
| Return on assets (ROA) | 2.0761% | 325 |
| Pretax return on assets | 2.0761% | 494 |
| Return on Equity (ROE) | 17.4396% | 495 |
| Retained earnings to average equity (ytd only) | 3.2593% | 4,356 |
| Net charge-offs to loans | -0.0394% | 6,237 |
| Credit loss provision to net charge-offs | -1,111.7647% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0973% | 3,901 |
| Assets per employee ($millions) | 1.9797% | 6,708 |
| Cash dividends to net income (ytd only)* | 81.3107% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 3,654 |
| Loan loss allowance to noncurrent loans | 81.4850% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 2,338 |
| Noncurrent loans to loans | 1.7885% | 2,512 |
| Net loans and leases to total assets | 82.2585% | 352 |
| Net loans and leases to deposits | 97.3740% | 599 |
| Net loans and leases to core deposits | 104.7924% | 834 |
| Total domestic deposits to total assets | 84.4769% | 3,990 |
| Equity capital to assets | 12.6101% | 1,520 |
| Core capital (leverage) ratio | 12.4000% | 1,471 |
| Tier 1 risk-based capital ratio | 14.7117% | 3,941 |
| Total risk-based capital ratio | 15.9637% | 3,903 |
| Memoranda: | ||
| Average total assets | $72,504,750 | 5,457 |
| Average earning assets | $63,361,500 | 5,551 |
| Average equity | $8,631,500 | 5,230 |
| Average total loans | $57,494,500 | 4,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 875 |
| Cost of funding earning assets | 0.5173% | 3,732 |
| Net interest margin | 4.5087% | 701 |
| Noninterest income to average assets | 3.4231% | 212 |
| Noninterest expense to average assets | 5.4610% | 266 |
| Loan and lease loss provision to assets | 0.3456% | 972 |
| Net operating income to assets | 1.5607% | 802 |
| Return on assets (ROA) | 1.5607% | 873 |
| Pretax return on assets | 1.5607% | 1,459 |
| Return on Equity (ROE) | 13.3678% | 1,154 |
| Retained earnings to average equity (ytd only) | -8.1992% | 6,617 |
| Net charge-offs to loans | -0.0387% | 6,170 |
| Credit loss provision to net charge-offs | -1,145.4545% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1251% | 3,104 |
| Assets per employee ($millions) | 1.9036% | 6,779 |
| Cash dividends to net income (ytd only)* | 161.3357% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 4,241 |
| Loan loss allowance to noncurrent loans | 55.2632% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.7047% | 1,544 |
| Noncurrent loans to loans | 2.4524% | 1,908 |
| Net loans and leases to total assets | 82.4644% | 327 |
| Net loans and leases to deposits | 100.2433% | 412 |
| Net loans and leases to core deposits | 107.3821% | 663 |
| Total domestic deposits to total assets | 82.2642% | 4,956 |
| Equity capital to assets | 11.9658% | 1,939 |
| Core capital (leverage) ratio | 11.8352% | 1,707 |
| Tier 1 risk-based capital ratio | 13.6748% | 4,658 |
| Total risk-based capital ratio | 14.9252% | 4,617 |
| Memoranda: | ||
| Average total assets | $72,917,000 | 5,489 |
| Average earning assets | $63,787,670 | 5,568 |
| Average equity | $8,513,000 | 5,304 |
| Average total loans | $56,829,000 | 4,790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 1,213 |
| Cost of funding earning assets | 0.5214% | 3,872 |
| Net interest margin | 4.3183% | 938 |
| Noninterest income to average assets | 3.8135% | 197 |
| Noninterest expense to average assets | 5.6204% | 251 |
| Loan and lease loss provision to assets | 0.3398% | 982 |
| Net operating income to assets | 1.6505% | 646 |
| Return on assets (ROA) | 1.6505% | 710 |
| Pretax return on assets | 1.6505% | 1,191 |
| Return on Equity (ROE) | 14.3066% | 898 |
| Retained earnings to average equity (ytd only) | -20.6651% | 6,836 |
| Net charge-offs to loans | -0.0502% | 6,142 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8483% | 3,293 |
| Assets per employee ($millions) | 2.1010% | 6,814 |
| Cash dividends to net income (ytd only)* | 244.4444% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,641 |
| Loan loss allowance to noncurrent loans | 155.5319% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 3,362 |
| Noncurrent loans to loans | 0.8431% | 4,432 |
| Net loans and leases to total assets | 77.0113% | 720 |
| Net loans and leases to deposits | 90.9652% | 890 |
| Net loans and leases to core deposits | 94.7585% | 1,289 |
| Total domestic deposits to total assets | 84.6602% | 4,196 |
| Equity capital to assets | 11.6693% | 2,278 |
| Core capital (leverage) ratio | 11.2725% | 2,039 |
| Tier 1 risk-based capital ratio | 14.4232% | 4,228 |
| Total risk-based capital ratio | 15.6729% | 4,196 |
| Memoranda: | ||
| Average total assets | $74,158,500 | 5,507 |
| Average earning assets | $65,211,500 | 5,569 |
| Average equity | $8,555,500 | 5,344 |
| Average total loans | $55,803,000 | 4,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3707% | 803 |
| Cost of funding earning assets | 0.6737% | 3,700 |
| Net interest margin | 4.6970% | 653 |
| Noninterest income to average assets | 4.1680% | 176 |
| Noninterest expense to average assets | 5.8788% | 230 |
| Loan and lease loss provision to assets | 0.3408% | 1,974 |
| Net operating income to assets | 2.0218% | 343 |
| Return on assets (ROA) | 2.0218% | 374 |
| Pretax return on assets | 2.0218% | 573 |
| Return on Equity (ROE) | 18.6260% | 388 |
| Retained earnings to average equity (ytd only) | 17.9283% | 81 |
| Net charge-offs to loans | 0.5467% | 2,097 |
| Credit loss provision to net charge-offs | 82.0847% | 3,762 |
| Earnings coverage of net charge-offs (x) | 5.6906% | 2,974 |
| Efficiency ratio | 71.3325% | 3,561 |
| Assets per employee ($millions) | 2.1356% | 6,864 |
| Cash dividends to net income (ytd only)* | 3.7458% | 4,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,197 |
| Loan loss allowance to noncurrent loans | 109.9834% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 2,751 |
| Noncurrent loans to loans | 1.0759% | 4,051 |
| Net loans and leases to total assets | 71.7996% | 1,520 |
| Net loans and leases to deposits | 84.4556% | 1,705 |
| Net loans and leases to core deposits | 87.7028% | 2,122 |
| Total domestic deposits to total assets | 85.0147% | 3,855 |
| Equity capital to assets | 11.4136% | 2,524 |
| Core capital (leverage) ratio | 11.4445% | 1,914 |
| Tier 1 risk-based capital ratio | 15.1243% | 3,656 |
| Total risk-based capital ratio | 16.2750% | 3,657 |
| Memoranda: | ||
| Average total assets | $73,944,200 | 5,519 |
| Average earning assets | $64,126,200 | 5,604 |
| Average equity | $8,026,400 | 5,494 |
| Average total loans | $56,155,200 | 4,858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4681% | 731 |
| Cost of funding earning assets | 0.7183% | 3,611 |
| Net interest margin | 4.7498% | 608 |
| Noninterest income to average assets | 4.0431% | 183 |
| Noninterest expense to average assets | 5.7168% | 241 |
| Loan and lease loss provision to assets | 0.3442% | 1,905 |
| Net operating income to assets | 2.0889% | 340 |
| Return on assets (ROA) | 2.0889% | 379 |
| Pretax return on assets | 2.0889% | 589 |
| Return on Equity (ROE) | 19.5082% | 362 |
| Retained earnings to average equity (ytd only) | 18.5557% | 105 |
| Net charge-offs to loans | 0.0213% | 5,368 |
| Credit loss provision to net charge-offs | 2,100.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 148.4408% | 296 |
| Efficiency ratio | 70.1453% | 3,663 |
| Assets per employee ($millions) | 2.1349% | 6,949 |
| Cash dividends to net income (ytd only)* | 4.8820% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 3,504 |
| Loan loss allowance to noncurrent loans | 92.8497% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 3.5357% | 1,414 |
| Noncurrent loans to loans | 1.7264% | 3,200 |
| Net loans and leases to total assets | 78.0673% | 723 |
| Net loans and leases to deposits | 92.6768% | 906 |
| Net loans and leases to core deposits | 96.6099% | 1,364 |
| Total domestic deposits to total assets | 84.2361% | 4,113 |
| Equity capital to assets | 11.9727% | 2,281 |
| Core capital (leverage) ratio | 11.3990% | 2,057 |
| Tier 1 risk-based capital ratio | 14.5426% | 4,157 |
| Total risk-based capital ratio | 15.7960% | 4,120 |
| Memoranda: | ||
| Average total assets | $73,209,750 | 5,596 |
| Average earning assets | $63,298,750 | 5,685 |
| Average equity | $7,839,250 | 5,600 |
| Average total loans | $56,228,500 | 4,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 732 |
| Cost of funding earning assets | 0.7600% | 3,517 |
| Net interest margin | 4.7316% | 631 |
| Noninterest income to average assets | 3.5209% | 203 |
| Noninterest expense to average assets | 5.5363% | 266 |
| Loan and lease loss provision to assets | 0.3399% | 1,939 |
| Net operating income to assets | 1.7429% | 618 |
| Return on assets (ROA) | 1.7429% | 696 |
| Pretax return on assets | 1.7429% | 1,155 |
| Return on Equity (ROE) | 16.9095% | 649 |
| Retained earnings to average equity (ytd only) | 15.4437% | 256 |
| Net charge-offs to loans | 0.0532% | 4,662 |
| Credit loss provision to net charge-offs | 840.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 51.4667% | 711 |
| Efficiency ratio | 72.6629% | 3,311 |
| Assets per employee ($millions) | 2.1241% | 7,006 |
| Cash dividends to net income (ytd only)* | 8.6687% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 4,090 |
| Loan loss allowance to noncurrent loans | 127.8207% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2485% | 1,673 |
| Noncurrent loans to loans | 1.1606% | 4,219 |
| Net loans and leases to total assets | 76.0475% | 964 |
| Net loans and leases to deposits | 89.1674% | 1,235 |
| Net loans and leases to core deposits | 92.7969% | 1,705 |
| Total domestic deposits to total assets | 85.2862% | 3,718 |
| Equity capital to assets | 10.9959% | 3,125 |
| Core capital (leverage) ratio | 10.6358% | 2,680 |
| Tier 1 risk-based capital ratio | 13.4944% | 4,829 |
| Total risk-based capital ratio | 14.7459% | 4,783 |
| Memoranda: | ||
| Average total assets | $74,129,000 | 5,602 |
| Average earning assets | $64,206,670 | 5,700 |
| Average equity | $7,640,670 | 5,677 |
| Average total loans | $56,339,330 | 4,943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 809 |
| Cost of funding earning assets | 0.8240% | 3,287 |
| Net interest margin | 4.6366% | 769 |
| Noninterest income to average assets | 3.3296% | 205 |
| Noninterest expense to average assets | 5.6310% | 245 |
| Loan and lease loss provision to assets | 0.3356% | 1,865 |
| Net operating income to assets | 1.3798% | 1,257 |
| Return on assets (ROA) | 1.3798% | 1,406 |
| Pretax return on assets | 1.3798% | 2,250 |
| Return on Equity (ROE) | 13.8309% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.8309% | 583 |
| Net charge-offs to loans | 0.0353% | 4,200 |
| Credit loss provision to net charge-offs | 1,260.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 64.4000% | 522 |
| Efficiency ratio | 76.6497% | 2,690 |
| Assets per employee ($millions) | 2.0825% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,597 |
| Loan loss allowance to noncurrent loans | 95.0860% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 3.5760% | 1,600 |
| Noncurrent loans to loans | 1.4755% | 3,905 |
| Net loans and leases to total assets | 72.5521% | 1,309 |
| Net loans and leases to deposits | 84.1658% | 1,645 |
| Net loans and leases to core deposits | 87.4233% | 2,125 |
| Total domestic deposits to total assets | 86.2013% | 3,411 |
| Equity capital to assets | 10.1586% | 3,901 |
| Core capital (leverage) ratio | 10.1177% | 3,218 |
| Tier 1 risk-based capital ratio | 13.3678% | 4,923 |
| Total risk-based capital ratio | 14.6196% | 4,914 |
| Memoranda: | ||
| Average total assets | $75,084,500 | 5,617 |
| Average earning assets | $65,047,500 | 5,719 |
| Average equity | $7,490,500 | 5,740 |
| Average total loans | $56,635,500 | 4,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 1,239 |
| Cost of funding earning assets | 1.4203% | 954 |
| Net interest margin | 4.0511% | 2,631 |
| Noninterest income to average assets | 2.0283% | 369 |
| Noninterest expense to average assets | 4.7741% | 467 |
| Loan and lease loss provision to assets | 0.6250% | 1,639 |
| Net operating income to assets | 0.1509% | 5,730 |
| Return on assets (ROA) | 0.1509% | 5,869 |
| Pretax return on assets | 0.1509% | 5,886 |
| Return on Equity (ROE) | 1.6546% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.6546% | 5,028 |
| Net charge-offs to loans | 1.0274% | 1,694 |
| Credit loss provision to net charge-offs | 80.6874% | 4,415 |
| Earnings coverage of net charge-offs (x) | 1.0016% | 5,040 |
| Efficiency ratio | 86.0210% | 1,563 |
| Assets per employee ($millions) | 2.2117% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 5,252 |
| Loan loss allowance to noncurrent loans | 95.2128% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 3.4828% | 1,702 |
| Noncurrent loans to loans | 1.2942% | 4,210 |
| Net loans and leases to total assets | 76.3159% | 907 |
| Net loans and leases to deposits | 88.1563% | 1,360 |
| Net loans and leases to core deposits | 94.8719% | 1,601 |
| Total domestic deposits to total assets | 86.5688% | 2,999 |
| Equity capital to assets | 9.7941% | 4,450 |
| Core capital (leverage) ratio | 8.9888% | 4,809 |
| Tier 1 risk-based capital ratio | 12.7420% | 5,276 |
| Total risk-based capital ratio | 13.9921% | 5,254 |
| Memoranda: | ||
| Average total assets | $78,883,400 | 5,482 |
| Average earning assets | $68,574,800 | 5,588 |
| Average equity | $7,192,200 | 5,811 |
| Average total loans | $59,470,800 | 4,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 1,643 |
| Cost of funding earning assets | 1.4642% | 978 |
| Net interest margin | 3.8975% | 3,393 |
| Noninterest income to average assets | 1.7325% | 466 |
| Noninterest expense to average assets | 4.3706% | 659 |
| Loan and lease loss provision to assets | 0.6566% | 1,483 |
| Net operating income to assets | 0.0986% | 5,966 |
| Return on assets (ROA) | 0.0986% | 6,081 |
| Pretax return on assets | 0.0986% | 6,097 |
| Return on Equity (ROE) | 1.1003% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,580 |
| Net charge-offs to loans | 0.7691% | 2,028 |
| Credit loss provision to net charge-offs | 113.9130% | 2,871 |
| Earnings coverage of net charge-offs (x) | 1.3101% | 4,635 |
| Efficiency ratio | 85.2673% | 1,605 |
| Assets per employee ($millions) | 2.3416% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,263 |
| Loan loss allowance to noncurrent loans | 72.0588% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.6803% | 1,699 |
| Noncurrent loans to loans | 2.0349% | 3,322 |
| Net loans and leases to total assets | 74.4429% | 1,245 |
| Net loans and leases to deposits | 90.3529% | 1,174 |
| Net loans and leases to core deposits | 98.8739% | 1,350 |
| Total domestic deposits to total assets | 82.3913% | 4,930 |
| Equity capital to assets | 9.1843% | 5,535 |
| Core capital (leverage) ratio | 9.0639% | 4,831 |
| Tier 1 risk-based capital ratio | 12.4093% | 5,571 |
| Total risk-based capital ratio | 13.6626% | 5,558 |
| Memoranda: | ||
| Average total assets | $79,804,750 | 5,511 |
| Average earning assets | $69,478,250 | 5,599 |
| Average equity | $7,149,000 | 5,863 |
| Average total loans | $59,812,500 | 4,909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 1,695 |
| Cost of funding earning assets | 1.5210% | 934 |
| Net interest margin | 3.8371% | 3,606 |
| Noninterest income to average assets | 1.2195% | 853 |
| Noninterest expense to average assets | 4.4548% | 629 |
| Loan and lease loss provision to assets | 0.6711% | 1,435 |
| Net operating income to assets | -0.5709% | 6,743 |
| Return on assets (ROA) | -0.5709% | 6,760 |
| Pretax return on assets | -0.5709% | 6,698 |
| Return on Equity (ROE) | -6.4274% | 6,804 |
| Retained earnings to average equity (ytd only) | -6.4274% | 6,684 |
| Net charge-offs to loans | 1.0988% | 1,435 |
| Credit loss provision to net charge-offs | 81.7073% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.1220% | 5,204 |
| Efficiency ratio | 97.8010% | 797 |
| Assets per employee ($millions) | 2.2564% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,972 |
| Loan loss allowance to noncurrent loans | 64.6617% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 3.8752% | 1,670 |
| Noncurrent loans to loans | 2.0404% | 3,428 |
| Net loans and leases to total assets | 75.4585% | 1,162 |
| Net loans and leases to deposits | 91.9489% | 1,068 |
| Net loans and leases to core deposits | 101.0014% | 1,258 |
| Total domestic deposits to total assets | 82.0657% | 5,141 |
| Equity capital to assets | 9.1698% | 5,324 |
| Core capital (leverage) ratio | 8.7588% | 5,119 |
| Tier 1 risk-based capital ratio | 11.8415% | 5,904 |
| Total risk-based capital ratio | 13.0925% | 5,881 |
| Memoranda: | ||
| Average total assets | $79,868,330 | 5,552 |
| Average earning assets | $69,428,000 | 5,644 |
| Average equity | $7,094,670 | 5,895 |
| Average total loans | $59,700,330 | 4,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 1,981 |
| Cost of funding earning assets | 1.5662% | 929 |
| Net interest margin | 3.7036% | 4,082 |
| Noninterest income to average assets | 1.0952% | 1,091 |
| Noninterest expense to average assets | 4.3712% | 675 |
| Loan and lease loss provision to assets | 1.3163% | 520 |
| Net operating income to assets | -1.3752% | 7,155 |
| Return on assets (ROA) | -1.3752% | 7,161 |
| Pretax return on assets | -1.3752% | 7,121 |
| Return on Equity (ROE) | -15.7204% | 7,160 |
| Retained earnings to average equity (ytd only) | -15.7204% | 7,063 |
| Net charge-offs to loans | 2.1655% | 573 |
| Credit loss provision to net charge-offs | 82.2086% | 3,114 |
| Earnings coverage of net charge-offs (x) | -0.0368% | 4,608 |
| Efficiency ratio | 101.3667% | 695 |
| Assets per employee ($millions) | 2.2468% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,890 |
| Loan loss allowance to noncurrent loans | 76.0039% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 3.6423% | 1,865 |
| Noncurrent loans to loans | 1.7797% | 3,848 |
| Net loans and leases to total assets | 69.9693% | 2,134 |
| Net loans and leases to deposits | 84.3013% | 1,981 |
| Net loans and leases to core deposits | 93.5979% | 1,941 |
| Total domestic deposits to total assets | 82.9991% | 4,932 |
| Equity capital to assets | 8.6334% | 5,735 |
| Core capital (leverage) ratio | 8.5651% | 5,320 |
| Tier 1 risk-based capital ratio | 11.9000% | 5,780 |
| Total risk-based capital ratio | 13.1512% | 5,772 |
| Memoranda: | ||
| Average total assets | $81,443,000 | 5,548 |
| Average earning assets | $70,742,500 | 5,639 |
| Average equity | $7,124,500 | 5,891 |
| Average total loans | $60,218,000 | 4,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 1,165 |
| Cost of funding earning assets | 2.0779% | 457 |
| Net interest margin | 3.7656% | 4,083 |
| Noninterest income to average assets | 3.1460% | 219 |
| Noninterest expense to average assets | 5.3820% | 324 |
| Loan and lease loss provision to assets | 0.6789% | 2,426 |
| Net operating income to assets | 0.3193% | 4,868 |
| Return on assets (ROA) | 0.3193% | 5,033 |
| Pretax return on assets | 0.3193% | 5,180 |
| Return on Equity (ROE) | 3.7811% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.7811% | 3,217 |
| Net charge-offs to loans | 0.6063% | 3,217 |
| Credit loss provision to net charge-offs | 143.0412% | 2,615 |
| Earnings coverage of net charge-offs (x) | 2.1031% | 4,145 |
| Efficiency ratio | 84.3558% | 1,881 |
| Assets per employee ($millions) | 2.3429% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,886 |
| Loan loss allowance to noncurrent loans | 178.5867% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 3.0768% | 2,293 |
| Noncurrent loans to loans | 0.7405% | 5,564 |
| Net loans and leases to total assets | 75.8908% | 1,294 |
| Net loans and leases to deposits | 93.5960% | 1,096 |
| Net loans and leases to core deposits | 104.0269% | 1,312 |
| Total domestic deposits to total assets | 81.0834% | 5,500 |
| Equity capital to assets | 8.8608% | 5,338 |
| Core capital (leverage) ratio | 8.8808% | 4,726 |
| Tier 1 risk-based capital ratio | 11.5549% | 5,861 |
| Total risk-based capital ratio | 12.8062% | 5,864 |
| Memoranda: | ||
| Average total assets | $81,753,600 | 5,541 |
| Average earning assets | $70,213,800 | 5,663 |
| Average equity | $6,902,800 | 6,066 |
| Average total loans | $63,998,200 | 4,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8600% | 1,230 |
| Cost of funding earning assets | 2.1617% | 430 |
| Net interest margin | 3.6984% | 4,404 |
| Noninterest income to average assets | 2.3861% | 297 |
| Noninterest expense to average assets | 5.0514% | 367 |
| Loan and lease loss provision to assets | 0.6039% | 2,525 |
| Net operating income to assets | -0.0914% | 6,175 |
| Return on assets (ROA) | -0.0914% | 6,267 |
| Pretax return on assets | -0.0914% | 6,214 |
| Return on Equity (ROE) | -1.0960% | 6,289 |
| Retained earnings to average equity (ytd only) | -1.0960% | 6,030 |
| Net charge-offs to loans | 0.5625% | 3,068 |
| Credit loss provision to net charge-offs | 136.5314% | 2,928 |
| Earnings coverage of net charge-offs (x) | 1.1587% | 4,905 |
| Efficiency ratio | 90.7891% | 1,223 |
| Assets per employee ($millions) | 2.2756% | 7,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,382 |
| Loan loss allowance to noncurrent loans | 101.7264% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 4.8351% | 1,355 |
| Noncurrent loans to loans | 1.2004% | 4,840 |
| Net loans and leases to total assets | 77.7945% | 1,071 |
| Net loans and leases to deposits | 96.3354% | 943 |
| Net loans and leases to core deposits | 112.8986% | 888 |
| Total domestic deposits to total assets | 80.7538% | 5,464 |
| Equity capital to assets | 8.7461% | 5,949 |
| Core capital (leverage) ratio | 8.5599% | 5,405 |
| Tier 1 risk-based capital ratio | 10.8195% | 6,528 |
| Total risk-based capital ratio | 12.0211% | 6,554 |
| Memoranda: | ||
| Average total assets | $81,691,500 | 5,613 |
| Average earning assets | $70,191,250 | 5,731 |
| Average equity | $6,812,000 | 6,176 |
| Average total loans | $64,231,250 | 4,971 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 1,317 |
| Cost of funding earning assets | 2.2046% | 458 |
| Net interest margin | 3.6376% | 4,641 |
| Noninterest income to average assets | 1.7166% | 450 |
| Noninterest expense to average assets | 4.7661% | 452 |
| Loan and lease loss provision to assets | 0.7770% | 1,854 |
| Net operating income to assets | -0.7017% | 6,808 |
| Return on assets (ROA) | -0.7017% | 6,820 |
| Pretax return on assets | -0.7017% | 6,723 |
| Return on Equity (ROE) | -8.5494% | 6,915 |
| Retained earnings to average equity (ytd only) | -8.5494% | 6,843 |
| Net charge-offs to loans | 0.5716% | 2,825 |
| Credit loss provision to net charge-offs | 172.9730% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.1676% | 5,556 |
| Efficiency ratio | 98.4453% | 863 |
| Assets per employee ($millions) | 2.2368% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 5,126 |
| Loan loss allowance to noncurrent loans | 98.2843% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 4.8607% | 1,338 |
| Noncurrent loans to loans | 1.2830% | 4,818 |
| Net loans and leases to total assets | 77.9892% | 1,115 |
| Net loans and leases to deposits | 96.8374% | 976 |
| Net loans and leases to core deposits | 112.8117% | 986 |
| Total domestic deposits to total assets | 80.5362% | 5,549 |
| Equity capital to assets | 8.3540% | 6,349 |
| Core capital (leverage) ratio | 8.0560% | 6,188 |
| Tier 1 risk-based capital ratio | 10.3713% | 6,783 |
| Total risk-based capital ratio | 11.6195% | 6,774 |
| Memoranda: | ||
| Average total assets | $82,373,000 | 5,614 |
| Average earning assets | $70,760,670 | 5,746 |
| Average equity | $6,760,670 | 6,215 |
| Average total loans | $64,732,670 | 4,992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7819% | 1,515 |
| Cost of funding earning assets | 2.2191% | 556 |
| Net interest margin | 3.5628% | 4,888 |
| Noninterest income to average assets | 1.0709% | 1,108 |
| Noninterest expense to average assets | 4.8309% | 417 |
| Loan and lease loss provision to assets | 1.5367% | 758 |
| Net operating income to assets | -2.2282% | 7,507 |
| Return on assets (ROA) | -2.2282% | 7,516 |
| Pretax return on assets | -2.2282% | 7,464 |
| Return on Equity (ROE) | -27.3847% | 7,534 |
| Retained earnings to average equity (ytd only) | -27.3847% | 7,497 |
| Net charge-offs to loans | 0.8454% | 1,845 |
| Credit loss provision to net charge-offs | 231.8841% | 1,645 |
| Earnings coverage of net charge-offs (x) | -1.0435% | 5,387 |
| Efficiency ratio | 116.7053% | 485 |
| Assets per employee ($millions) | 2.0800% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,950 |
| Loan loss allowance to noncurrent loans | 63.8346% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 5.6082% | 1,093 |
| Noncurrent loans to loans | 2.0330% | 3,736 |
| Net loans and leases to total assets | 77.6115% | 1,218 |
| Net loans and leases to deposits | 96.2597% | 1,075 |
| Net loans and leases to core deposits | 130.3432% | 487 |
| Total domestic deposits to total assets | 80.6272% | 5,580 |
| Equity capital to assets | 7.8595% | 6,798 |
| Core capital (leverage) ratio | 7.7463% | 6,572 |
| Tier 1 risk-based capital ratio | 9.9011% | 7,093 |
| Total risk-based capital ratio | 11.1521% | 7,082 |
| Memoranda: | ||
| Average total assets | $83,297,500 | 5,654 |
| Average earning assets | $71,741,000 | 5,785 |
| Average equity | $6,777,500 | 6,264 |
| Average total loans | $65,298,000 | 5,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2504% | 1,118 |
| Cost of funding earning assets | 2.5980% | 785 |
| Net interest margin | 3.6523% | 4,345 |
| Noninterest income to average assets | 1.9331% | 392 |
| Noninterest expense to average assets | 4.6048% | 715 |
| Loan and lease loss provision to assets | 0.5178% | 3,783 |
| Net operating income to assets | -0.0127% | 5,509 |
| Return on assets (ROA) | -0.0127% | 5,556 |
| Pretax return on assets | -0.0127% | 5,470 |
| Return on Equity (ROE) | -0.1537% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.1537% | 4,979 |
| Net charge-offs to loans | 1.1463% | 2,133 |
| Credit loss provision to net charge-offs | 54.0865% | 6,701 |
| Earnings coverage of net charge-offs (x) | 0.5276% | 5,585 |
| Efficiency ratio | 90.1148% | 1,700 |
| Assets per employee ($millions) | 2.3827% | 7,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 6,251 |
| Loan loss allowance to noncurrent loans | 111.7253% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 5.1585% | 1,166 |
| Noncurrent loans to loans | 0.9160% | 5,478 |
| Net loans and leases to total assets | 77.3514% | 1,510 |
| Net loans and leases to deposits | 96.6484% | 1,253 |
| Net loans and leases to core deposits | 125.9651% | 1,514 |
| Total domestic deposits to total assets | 80.0338% | 5,664 |
| Equity capital to assets | 8.4129% | 6,042 |
| Core capital (leverage) ratio | 8.2185% | 5,782 |
| Tier 1 risk-based capital ratio | 10.4018% | 6,495 |
| Total risk-based capital ratio | 11.3995% | 6,708 |
| Memoranda: | ||
| Average total assets | $86,908,400 | 5,489 |
| Average earning assets | $75,595,200 | 5,617 |
| Average equity | $7,157,200 | 6,217 |
| Average total loans | $72,581,600 | 4,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2801% | 1,178 |
| Cost of funding earning assets | 2.6505% | 908 |
| Net interest margin | 3.6296% | 4,372 |
| Noninterest income to average assets | 2.0716% | 343 |
| Noninterest expense to average assets | 4.4880% | 756 |
| Loan and lease loss provision to assets | 0.4101% | 3,863 |
| Net operating income to assets | 0.3433% | 4,629 |
| Return on assets (ROA) | 0.3433% | 4,724 |
| Pretax return on assets | 0.3433% | 4,949 |
| Return on Equity (ROE) | 4.1895% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.1895% | 2,937 |
| Net charge-offs to loans | 0.7470% | 2,496 |
| Credit loss provision to net charge-offs | 64.7482% | 6,085 |
| Earnings coverage of net charge-offs (x) | 1.1894% | 4,874 |
| Efficiency ratio | 85.6274% | 2,103 |
| Assets per employee ($millions) | 2.3888% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,682 |
| Loan loss allowance to noncurrent loans | 91.3880% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 5.5769% | 1,018 |
| Noncurrent loans to loans | 1.3903% | 4,590 |
| Net loans and leases to total assets | 81.5007% | 892 |
| Net loans and leases to deposits | 101.4415% | 971 |
| Net loans and leases to core deposits | 133.6913% | 1,227 |
| Total domestic deposits to total assets | 80.3426% | 5,313 |
| Equity capital to assets | 8.4421% | 6,326 |
| Core capital (leverage) ratio | 8.3716% | 5,708 |
| Tier 1 risk-based capital ratio | 10.1973% | 6,779 |
| Total risk-based capital ratio | 11.4480% | 6,721 |
| Memoranda: | ||
| Average total assets | $87,786,500 | 5,485 |
| Average earning assets | $76,663,500 | 5,608 |
| Average equity | $7,192,500 | 6,261 |
| Average total loans | $74,433,250 | 4,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2993% | 1,207 |
| Cost of funding earning assets | 2.6857% | 1,068 |
| Net interest margin | 3.6136% | 4,310 |
| Noninterest income to average assets | 2.0615% | 354 |
| Noninterest expense to average assets | 4.5303% | 757 |
| Loan and lease loss provision to assets | 0.2037% | 5,019 |
| Net operating income to assets | 0.5001% | 4,090 |
| Return on assets (ROA) | 0.5001% | 4,213 |
| Pretax return on assets | 0.5001% | 4,616 |
| Return on Equity (ROE) | 6.1646% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.1646% | 1,941 |
| Net charge-offs to loans | 0.7886% | 2,104 |
| Credit loss provision to net charge-offs | 30.2013% | 6,028 |
| Earnings coverage of net charge-offs (x) | 1.0436% | 4,741 |
| Efficiency ratio | 86.5543% | 2,173 |
| Assets per employee ($millions) | 2.4339% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,330 |
| Loan loss allowance to noncurrent loans | 192.8899% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 4.5297% | 1,233 |
| Noncurrent loans to loans | 0.5913% | 6,073 |
| Net loans and leases to total assets | 83.1970% | 758 |
| Net loans and leases to deposits | 109.6260% | 571 |
| Net loans and leases to core deposits | 147.0785% | 728 |
| Total domestic deposits to total assets | 75.8916% | 6,576 |
| Equity capital to assets | 8.2834% | 6,365 |
| Core capital (leverage) ratio | 8.1719% | 6,026 |
| Tier 1 risk-based capital ratio | 9.9035% | 7,035 |
| Total risk-based capital ratio | 11.0626% | 7,066 |
| Memoranda: | ||
| Average total assets | $88,382,670 | 5,519 |
| Average earning assets | $77,595,670 | 5,610 |
| Average equity | $7,170,000 | 6,313 |
| Average total loans | $75,580,670 | 4,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1668% | 1,703 |
| Cost of funding earning assets | 2.7499% | 1,111 |
| Net interest margin | 3.4170% | 5,069 |
| Noninterest income to average assets | 2.3703% | 269 |
| Noninterest expense to average assets | 4.4838% | 719 |
| Loan and lease loss provision to assets | 0.1352% | 5,227 |
| Net operating income to assets | 0.7751% | 3,237 |
| Return on assets (ROA) | 0.7751% | 3,407 |
| Pretax return on assets | 0.7751% | 4,166 |
| Return on Equity (ROE) | 9.6548% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.6548% | 1,295 |
| Net charge-offs to loans | 1.0144% | 1,329 |
| Credit loss provision to net charge-offs | 15.4639% | 5,134 |
| Earnings coverage of net charge-offs (x) | 1.0412% | 4,243 |
| Efficiency ratio | 83.1245% | 2,398 |
| Assets per employee ($millions) | 2.3149% | 7,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 4,900 |
| Loan loss allowance to noncurrent loans | 70.8567% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 4.5915% | 1,034 |
| Noncurrent loans to loans | 1.6723% | 3,758 |
| Net loans and leases to total assets | 83.8983% | 703 |
| Net loans and leases to deposits | 110.7855% | 578 |
| Net loans and leases to core deposits | 148.2385% | 769 |
| Total domestic deposits to total assets | 75.7304% | 6,569 |
| Equity capital to assets | 8.2100% | 6,524 |
| Core capital (leverage) ratio | 8.0748% | 6,336 |
| Tier 1 risk-based capital ratio | 9.6466% | 7,295 |
| Total risk-based capital ratio | 10.8426% | 7,282 |
| Memoranda: | ||
| Average total assets | $88,763,500 | 5,531 |
| Average earning assets | $78,549,500 | 5,604 |
| Average equity | $7,126,000 | 6,364 |
| Average total loans | $76,501,500 | 4,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7685% | 1,796 |
| Cost of funding earning assets | 3.3086% | 899 |
| Net interest margin | 3.4599% | 5,439 |
| Noninterest income to average assets | 1.8158% | 413 |
| Noninterest expense to average assets | 4.7096% | 759 |
| Loan and lease loss provision to assets | 1.0590% | 1,375 |
| Net operating income to assets | -0.8416% | 7,158 |
| Return on assets (ROA) | -0.8416% | 7,071 |
| Pretax return on assets | -0.8416% | 6,908 |
| Return on Equity (ROE) | -10.6638% | 7,321 |
| Retained earnings to average equity (ytd only) | -10.6638% | 7,129 |
| Net charge-offs to loans | 0.9685% | 1,273 |
| Credit loss provision to net charge-offs | 125.3298% | 4,263 |
| Earnings coverage of net charge-offs (x) | 0.2573% | 6,073 |
| Efficiency ratio | 95.5882% | 1,180 |
| Assets per employee ($millions) | 2.3569% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,536 |
| Loan loss allowance to noncurrent loans | 27.9659% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 5.1775% | 654 |
| Noncurrent loans to loans | 4.7896% | 955 |
| Net loans and leases to total assets | 86.2730% | 574 |
| Net loans and leases to deposits | 114.8217% | 582 |
| Net loans and leases to core deposits | 153.3562% | 739 |
| Total domestic deposits to total assets | 75.1365% | 6,418 |
| Equity capital to assets | 7.8494% | 7,046 |
| Core capital (leverage) ratio | 7.8318% | 6,750 |
| Tier 1 risk-based capital ratio | 9.2500% | 7,572 |
| Total risk-based capital ratio | 10.5024% | 7,509 |
| Memoranda: | ||
| Average total assets | $89,711,200 | 5,370 |
| Average earning assets | $80,667,600 | 5,412 |
| Average equity | $7,080,000 | 6,432 |
| Average total loans | $78,262,200 | 4,581 |