Home > Rock Branch Community Bank, Inc. > Performance and Condition Ratios
Rock Branch Community Bank, Inc., 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 | 4.6758% | 1,119 |
| Cost of funding earning assets | 0.6221% | 1,190 |
| Net interest margin | 4.0537% | 1,517 |
| Noninterest income to average assets | 0.4264% | 3,723 |
| Noninterest expense to average assets | 3.9435% | 635 |
| Loan and lease loss provision to assets | 0.1507% | 1,548 |
| Net operating income to assets | 0.0257% | 5,700 |
| Return on assets (ROA) | 0.0257% | 5,726 |
| Pretax return on assets | 0.0925% | 5,685 |
| Return on Equity (ROE) | 0.2518% | 5,723 |
| Retained earnings to average equity (ytd only) | -1.4942% | 5,551 |
| Net charge-offs to loans | -0.0771% | 5,496 |
| Credit loss provision to net charge-offs | -266.6667% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1922% | 380 |
| Assets per employee ($millions) | 4.0188% | 3,935 |
| Cash dividends to net income (ytd only)* | 693.3000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 2,129 |
| Loan loss allowance to noncurrent loans | 81.8557% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.8230% | 439 |
| Noncurrent loans to loans | 1.7303% | 1,206 |
| Net loans and leases to total assets | 68.7606% | 2,691 |
| Net loans and leases to deposits | 76.5344% | 3,348 |
| Net loans and leases to core deposits | 125.5811% | 379 |
| Total domestic deposits to total assets | 89.8427% | 538 |
| Equity capital to assets | 9.9283% | 4,209 |
| Core capital (leverage) ratio | 9.6997% | 3,936 |
| Tier 1 risk-based capital ratio | 15.1462% | 2,976 |
| Total risk-based capital ratio | 16.3998% | 2,909 |
| Memoranda: | ||
| Average total assets | $77,865,000 | 4,813 |
| Average earning assets | $72,228,750 | 4,790 |
| Average equity | $7,941,250 | 4,993 |
| Average total loans | $57,090,250 | 4,406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 1,027 |
| Cost of funding earning assets | 0.6150% | 1,224 |
| Net interest margin | 4.0964% | 1,373 |
| Noninterest income to average assets | 0.3246% | 4,462 |
| Noninterest expense to average assets | 3.6870% | 898 |
| Loan and lease loss provision to assets | 0.1636% | 1,380 |
| Net operating income to assets | 0.2960% | 5,342 |
| Return on assets (ROA) | 0.2960% | 5,426 |
| Pretax return on assets | 0.2960% | 5,501 |
| Return on Equity (ROE) | 2.8758% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.5640% | 4,753 |
| Net charge-offs to loans | -0.1149% | 5,668 |
| Credit loss provision to net charge-offs | -190.9091% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9167% | 665 |
| Assets per employee ($millions) | 4.0579% | 3,804 |
| Cash dividends to net income (ytd only)* | 45.6140% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,639 |
| Loan loss allowance to noncurrent loans | 167.5381% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 2,313 |
| Noncurrent loans to loans | 0.7919% | 2,766 |
| Net loans and leases to total assets | 70.4687% | 2,409 |
| Net loans and leases to deposits | 78.3879% | 3,112 |
| Net loans and leases to core deposits | 99.4713% | 1,677 |
| Total domestic deposits to total assets | 89.8975% | 532 |
| Equity capital to assets | 9.8056% | 4,444 |
| Core capital (leverage) ratio | 10.0740% | 3,483 |
| Tier 1 risk-based capital ratio | 15.9213% | 2,680 |
| Total risk-based capital ratio | 17.1746% | 2,618 |
| Memoranda: | ||
| Average total assets | $77,028,000 | 4,874 |
| Average earning assets | $71,868,670 | 4,841 |
| Average equity | $7,928,330 | 5,037 |
| Average total loans | $57,433,330 | 4,422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 636 |
| Cost of funding earning assets | 0.6205% | 1,216 |
| Net interest margin | 4.3322% | 865 |
| Noninterest income to average assets | 0.5549% | 2,775 |
| Noninterest expense to average assets | 3.6338% | 974 |
| Loan and lease loss provision to assets | 0.1334% | 1,582 |
| Net operating income to assets | 0.5048% | 4,615 |
| Return on assets (ROA) | 0.5389% | 4,576 |
| Pretax return on assets | 0.8644% | 3,985 |
| Return on Equity (ROE) | 5.1052% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.4768% | 4,266 |
| Net charge-offs to loans | 0.0420% | 2,166 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,191 |
| Efficiency ratio | 79.3706% | 1,687 |
| Assets per employee ($millions) | 2.9962% | 5,509 |
| Cash dividends to net income (ytd only)* | 51.4851% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 3,502 |
| Loan loss allowance to noncurrent loans | 107.4650% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2803% | 1,688 |
| Noncurrent loans to loans | 1.1136% | 2,172 |
| Net loans and leases to total assets | 76.1618% | 1,369 |
| Net loans and leases to deposits | 85.4859% | 2,125 |
| Net loans and leases to core deposits | 111.5524% | 778 |
| Total domestic deposits to total assets | 89.0929% | 1,058 |
| Equity capital to assets | 10.6054% | 3,363 |
| Core capital (leverage) ratio | 10.3670% | 3,108 |
| Tier 1 risk-based capital ratio | 15.3584% | 2,991 |
| Total risk-based capital ratio | 16.6088% | 2,930 |
| Memoranda: | ||
| Average total assets | $74,963,000 | 4,960 |
| Average earning assets | $69,617,500 | 4,937 |
| Average equity | $7,913,500 | 5,067 |
| Average total loans | $57,170,000 | 4,464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 933 |
| Cost of funding earning assets | 0.6314% | 1,168 |
| Net interest margin | 4.1676% | 1,242 |
| Noninterest income to average assets | 0.3324% | 4,522 |
| Noninterest expense to average assets | 3.5077% | 1,279 |
| Loan and lease loss provision to assets | 0.2472% | 774 |
| Net operating income to assets | 0.4134% | 5,009 |
| Return on assets (ROA) | 0.4134% | 5,093 |
| Pretax return on assets | 0.4848% | 5,144 |
| Return on Equity (ROE) | 3.8967% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.8222% | 4,063 |
| Net charge-offs to loans | 0.2573% | 1,175 |
| Credit loss provision to net charge-offs | 126.7606% | 2,051 |
| Earnings coverage of net charge-offs (x) | 3.7535% | 3,667 |
| Efficiency ratio | 82.7340% | 1,306 |
| Assets per employee ($millions) | 3.1259% | 5,383 |
| Cash dividends to net income (ytd only)* | 27.5748% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,554 |
| Loan loss allowance to noncurrent loans | 90.4441% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 1,384 |
| Noncurrent loans to loans | 1.3127% | 1,795 |
| Net loans and leases to total assets | 74.5498% | 1,639 |
| Net loans and leases to deposits | 83.6907% | 2,396 |
| Net loans and leases to core deposits | 109.3262% | 899 |
| Total domestic deposits to total assets | 89.0777% | 1,080 |
| Equity capital to assets | 10.5077% | 3,350 |
| Core capital (leverage) ratio | 10.2489% | 3,202 |
| Tier 1 risk-based capital ratio | 16.4655% | 2,502 |
| Total risk-based capital ratio | 17.7172% | 2,458 |
| Memoranda: | ||
| Average total assets | $72,811,200 | 5,019 |
| Average earning assets | $68,264,000 | 4,981 |
| Average equity | $7,724,400 | 5,106 |
| Average total loans | $55,183,800 | 4,523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 983 |
| Cost of funding earning assets | 0.6364% | 1,170 |
| Net interest margin | 4.1337% | 1,317 |
| Noninterest income to average assets | 0.3137% | 4,702 |
| Noninterest expense to average assets | 3.5520% | 1,198 |
| Loan and lease loss provision to assets | 0.2768% | 572 |
| Net operating income to assets | 0.1624% | 5,748 |
| Return on assets (ROA) | 0.1624% | 5,806 |
| Pretax return on assets | 0.3561% | 5,546 |
| Return on Equity (ROE) | 1.5268% | 5,772 |
| Retained earnings to average equity (ytd only) | 0.8155% | 5,373 |
| Net charge-offs to loans | 0.3793% | 682 |
| Credit loss provision to net charge-offs | 96.1538% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.1988% | 3,711 |
| Efficiency ratio | 84.8765% | 1,092 |
| Assets per employee ($millions) | 3.0438% | 5,497 |
| Cash dividends to net income (ytd only)* | 46.5951% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 4,190 |
| Loan loss allowance to noncurrent loans | 73.2789% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 1,714 |
| Noncurrent loans to loans | 1.5103% | 1,668 |
| Net loans and leases to total assets | 76.8138% | 1,272 |
| Net loans and leases to deposits | 86.6746% | 2,069 |
| Net loans and leases to core deposits | 114.4320% | 652 |
| Total domestic deposits to total assets | 88.6232% | 1,225 |
| Equity capital to assets | 10.5528% | 3,547 |
| Core capital (leverage) ratio | 10.3177% | 3,234 |
| Tier 1 risk-based capital ratio | 16.2538% | 2,692 |
| Total risk-based capital ratio | 17.5041% | 2,643 |
| Memoranda: | ||
| Average total assets | $72,258,750 | 5,094 |
| Average earning assets | $67,669,750 | 5,051 |
| Average equity | $7,684,750 | 5,182 |
| Average total loans | $54,829,750 | 4,581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 981 |
| Cost of funding earning assets | 0.6378% | 1,182 |
| Net interest margin | 4.1172% | 1,309 |
| Noninterest income to average assets | 0.3639% | 4,341 |
| Noninterest expense to average assets | 3.5475% | 1,219 |
| Loan and lease loss provision to assets | 0.2917% | 541 |
| Net operating income to assets | 0.1861% | 5,728 |
| Return on assets (ROA) | 0.1861% | 5,785 |
| Pretax return on assets | 0.3806% | 5,513 |
| Return on Equity (ROE) | 1.7455% | 5,747 |
| Retained earnings to average equity (ytd only) | 0.6774% | 5,291 |
| Net charge-offs to loans | 0.5979% | 401 |
| Credit loss provision to net charge-offs | 64.8148% | 2,542 |
| Earnings coverage of net charge-offs (x) | 1.4938% | 3,505 |
| Efficiency ratio | 84.0685% | 1,260 |
| Assets per employee ($millions) | 3.0394% | 5,549 |
| Cash dividends to net income (ytd only)* | 61.1940% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 4,581 |
| Loan loss allowance to noncurrent loans | 138.2775% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,901 |
| Noncurrent loans to loans | 0.7626% | 3,211 |
| Net loans and leases to total assets | 74.3492% | 1,605 |
| Net loans and leases to deposits | 83.4215% | 2,389 |
| Net loans and leases to core deposits | 122.0360% | 417 |
| Total domestic deposits to total assets | 89.1247% | 1,081 |
| Equity capital to assets | 10.5065% | 3,431 |
| Core capital (leverage) ratio | 10.3408% | 3,161 |
| Tier 1 risk-based capital ratio | 17.2988% | 2,285 |
| Total risk-based capital ratio | 18.5485% | 2,249 |
| Memoranda: | ||
| Average total assets | $71,994,330 | 5,158 |
| Average earning assets | $67,424,000 | 5,118 |
| Average equity | $7,676,670 | 5,226 |
| Average total loans | $54,192,330 | 4,637 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 945 |
| Cost of funding earning assets | 0.6224% | 1,286 |
| Net interest margin | 4.1293% | 1,209 |
| Noninterest income to average assets | 0.4139% | 3,887 |
| Noninterest expense to average assets | 3.5515% | 1,211 |
| Loan and lease loss provision to assets | 0.2964% | 498 |
| Net operating income to assets | 0.2293% | 5,614 |
| Return on assets (ROA) | 0.2293% | 5,702 |
| Pretax return on assets | 0.4251% | 5,377 |
| Return on Equity (ROE) | 2.1346% | 5,659 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.0965% | 1,754 |
| Credit loss provision to net charge-offs | 407.6923% | 652 |
| Earnings coverage of net charge-offs (x) | 9.9231% | 1,973 |
| Efficiency ratio | 83.1152% | 1,474 |
| Assets per employee ($millions) | 2.8106% | 5,879 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 3,727 |
| Loan loss allowance to noncurrent loans | 114.7959% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 2,379 |
| Noncurrent loans to loans | 1.0820% | 2,599 |
| Net loans and leases to total assets | 73.4410% | 1,576 |
| Net loans and leases to deposits | 82.3076% | 2,299 |
| Net loans and leases to core deposits | 109.1392% | 787 |
| Total domestic deposits to total assets | 89.2275% | 1,127 |
| Equity capital to assets | 10.5358% | 3,495 |
| Core capital (leverage) ratio | 10.6681% | 2,779 |
| Tier 1 risk-based capital ratio | 17.4281% | 2,325 |
| Total risk-based capital ratio | 18.6797% | 2,279 |
| Memoranda: | ||
| Average total assets | $71,519,000 | 5,217 |
| Average earning assets | $66,839,500 | 5,171 |
| Average equity | $7,683,000 | 5,262 |
| Average total loans | $53,882,500 | 4,677 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 1,151 |
| Cost of funding earning assets | 0.6346% | 1,517 |
| Net interest margin | 4.1476% | 1,442 |
| Noninterest income to average assets | 0.4058% | 4,140 |
| Noninterest expense to average assets | 3.5420% | 1,403 |
| Loan and lease loss provision to assets | 0.2536% | 889 |
| Net operating income to assets | 0.2916% | 5,539 |
| Return on assets (ROA) | 0.2916% | 5,607 |
| Pretax return on assets | 0.4959% | 5,265 |
| Return on Equity (ROE) | 2.7218% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.6305% | 5,003 |
| Net charge-offs to loans | 0.3069% | 1,439 |
| Credit loss provision to net charge-offs | 110.4294% | 2,160 |
| Earnings coverage of net charge-offs (x) | 3.2638% | 3,932 |
| Efficiency ratio | 82.5345% | 1,596 |
| Assets per employee ($millions) | 2.9151% | 5,807 |
| Cash dividends to net income (ytd only)* | 40.0966% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,076 |
| Loan loss allowance to noncurrent loans | 103.2520% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 2,421 |
| Noncurrent loans to loans | 1.1512% | 2,537 |
| Net loans and leases to total assets | 75.4513% | 1,347 |
| Net loans and leases to deposits | 85.0925% | 2,084 |
| Net loans and leases to core deposits | 113.6766% | 619 |
| Total domestic deposits to total assets | 88.6697% | 1,431 |
| Equity capital to assets | 10.9586% | 2,936 |
| Core capital (leverage) ratio | 10.6108% | 2,824 |
| Tier 1 risk-based capital ratio | 17.3437% | 2,371 |
| Total risk-based capital ratio | 18.5962% | 2,331 |
| Memoranda: | ||
| Average total assets | $70,976,800 | 5,258 |
| Average earning assets | $66,496,600 | 5,214 |
| Average equity | $7,605,200 | 5,293 |
| Average total loans | $53,114,600 | 4,721 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 1,128 |
| Cost of funding earning assets | 0.6359% | 1,558 |
| Net interest margin | 4.1501% | 1,433 |
| Noninterest income to average assets | 0.3781% | 4,411 |
| Noninterest expense to average assets | 3.4273% | 1,596 |
| Loan and lease loss provision to assets | 0.2527% | 851 |
| Net operating income to assets | 0.4193% | 5,178 |
| Return on assets (ROA) | 0.4193% | 5,255 |
| Pretax return on assets | 0.5952% | 5,047 |
| Return on Equity (ROE) | 3.9350% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.2147% | 4,344 |
| Net charge-offs to loans | 0.1936% | 1,918 |
| Credit loss provision to net charge-offs | 175.3247% | 1,420 |
| Earnings coverage of net charge-offs (x) | 5.8833% | 3,179 |
| Efficiency ratio | 80.1664% | 1,890 |
| Assets per employee ($millions) | 3.3506% | 5,140 |
| Cash dividends to net income (ytd only)* | 18.3051% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 3,738 |
| Loan loss allowance to noncurrent loans | 115.5556% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 2,478 |
| Noncurrent loans to loans | 1.1099% | 2,848 |
| Net loans and leases to total assets | 73.9451% | 1,534 |
| Net loans and leases to deposits | 83.1961% | 2,262 |
| Net loans and leases to core deposits | 113.0006% | 621 |
| Total domestic deposits to total assets | 88.8805% | 1,311 |
| Equity capital to assets | 10.9887% | 2,967 |
| Core capital (leverage) ratio | 10.6490% | 2,863 |
| Tier 1 risk-based capital ratio | 17.8705% | 2,246 |
| Total risk-based capital ratio | 19.1253% | 2,209 |
| Memoranda: | ||
| Average total assets | $71,230,250 | 5,308 |
| Average earning assets | $66,887,500 | 5,261 |
| Average equity | $7,589,750 | 5,334 |
| Average total loans | $53,037,500 | 4,768 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 1,253 |
| Cost of funding earning assets | 0.6308% | 1,643 |
| Net interest margin | 4.0850% | 1,555 |
| Noninterest income to average assets | 0.4111% | 4,163 |
| Noninterest expense to average assets | 3.2607% | 2,014 |
| Loan and lease loss provision to assets | 0.2517% | 866 |
| Net operating income to assets | 0.5257% | 4,711 |
| Return on assets (ROA) | 0.5257% | 4,802 |
| Pretax return on assets | 0.7383% | 4,499 |
| Return on Equity (ROE) | 4.9852% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.8980% | 3,699 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7105% | 2,505 |
| Assets per employee ($millions) | 2.9877% | 5,764 |
| Cash dividends to net income (ytd only)* | 21.8085% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,696 |
| Loan loss allowance to noncurrent loans | 115.1220% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 2,805 |
| Noncurrent loans to loans | 1.1550% | 2,918 |
| Net loans and leases to total assets | 73.2693% | 1,537 |
| Net loans and leases to deposits | 82.4575% | 2,198 |
| Net loans and leases to core deposits | 112.3906% | 589 |
| Total domestic deposits to total assets | 88.8570% | 1,440 |
| Equity capital to assets | 10.7191% | 3,182 |
| Core capital (leverage) ratio | 10.5696% | 2,866 |
| Tier 1 risk-based capital ratio | 18.0675% | 2,219 |
| Total risk-based capital ratio | 19.3229% | 2,185 |
| Memoranda: | ||
| Average total assets | $71,519,330 | 5,348 |
| Average earning assets | $67,221,000 | 5,289 |
| Average equity | $7,542,330 | 5,375 |
| Average total loans | $53,148,000 | 4,783 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,213 |
| Cost of funding earning assets | 0.6296% | 1,741 |
| Net interest margin | 4.0921% | 1,477 |
| Noninterest income to average assets | 0.3976% | 4,208 |
| Noninterest expense to average assets | 3.1137% | 2,483 |
| Loan and lease loss provision to assets | 0.2520% | 854 |
| Net operating income to assets | 0.6272% | 4,055 |
| Return on assets (ROA) | 0.6272% | 4,139 |
| Pretax return on assets | 0.8904% | 3,736 |
| Return on Equity (ROE) | 5.9969% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.8016% | 3,845 |
| Net charge-offs to loans | 0.0075% | 3,494 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 235 |
| Efficiency ratio | 73.1579% | 3,283 |
| Assets per employee ($millions) | 2.8704% | 6,016 |
| Cash dividends to net income (ytd only)* | 36.6071% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,497 |
| Loan loss allowance to noncurrent loans | 104.7468% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4074% | 2,517 |
| Noncurrent loans to loans | 1.1737% | 3,089 |
| Net loans and leases to total assets | 74.1169% | 1,248 |
| Net loans and leases to deposits | 83.1437% | 1,929 |
| Net loans and leases to core deposits | 113.4656% | 478 |
| Total domestic deposits to total assets | 89.1431% | 1,561 |
| Equity capital to assets | 10.5322% | 3,216 |
| Core capital (leverage) ratio | 10.5279% | 2,893 |
| Tier 1 risk-based capital ratio | 17.1980% | 2,601 |
| Total risk-based capital ratio | 18.4511% | 2,556 |
| Memoranda: | ||
| Average total assets | $71,427,000 | 5,400 |
| Average earning assets | $67,348,500 | 5,339 |
| Average equity | $7,470,500 | 5,426 |
| Average total loans | $53,099,500 | 4,821 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,580 |
| Cost of funding earning assets | 0.7206% | 1,672 |
| Net interest margin | 3.9766% | 2,018 |
| Noninterest income to average assets | 0.4915% | 3,811 |
| Noninterest expense to average assets | 2.9617% | 3,156 |
| Loan and lease loss provision to assets | 0.2665% | 1,324 |
| Net operating income to assets | 0.7272% | 3,672 |
| Return on assets (ROA) | 0.7332% | 3,726 |
| Pretax return on assets | 1.0204% | 3,267 |
| Return on Equity (ROE) | 7.2748% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.2336% | 1,827 |
| Net charge-offs to loans | 0.2241% | 2,672 |
| Credit loss provision to net charge-offs | 169.2982% | 1,347 |
| Earnings coverage of net charge-offs (x) | 8.1228% | 2,727 |
| Efficiency ratio | 69.8470% | 3,860 |
| Assets per employee ($millions) | 3.7417% | 4,385 |
| Cash dividends to net income (ytd only)* | 14.3126% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 4,751 |
| Loan loss allowance to noncurrent loans | 94.3511% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 2,577 |
| Noncurrent loans to loans | 1.2512% | 3,037 |
| Net loans and leases to total assets | 72.7667% | 1,549 |
| Net loans and leases to deposits | 81.5345% | 2,246 |
| Net loans and leases to core deposits | 110.1571% | 603 |
| Total domestic deposits to total assets | 89.2465% | 1,458 |
| Equity capital to assets | 10.3850% | 3,305 |
| Core capital (leverage) ratio | 10.1963% | 3,298 |
| Tier 1 risk-based capital ratio | 17.6534% | 2,358 |
| Total risk-based capital ratio | 18.9067% | 2,331 |
| Memoranda: | ||
| Average total assets | $72,425,600 | 5,407 |
| Average earning assets | $68,274,000 | 5,342 |
| Average equity | $7,299,200 | 5,497 |
| Average total loans | $50,868,200 | 4,932 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,751 |
| Cost of funding earning assets | 0.7366% | 1,691 |
| Net interest margin | 3.9122% | 2,229 |
| Noninterest income to average assets | 0.5204% | 3,671 |
| Noninterest expense to average assets | 3.0438% | 2,848 |
| Loan and lease loss provision to assets | 0.1887% | 1,944 |
| Net operating income to assets | 0.7302% | 3,700 |
| Return on assets (ROA) | 0.7385% | 3,786 |
| Pretax return on assets | 0.9877% | 3,551 |
| Return on Equity (ROE) | 7.3825% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.6864% | 2,045 |
| Net charge-offs to loans | 0.2376% | 2,377 |
| Credit loss provision to net charge-offs | 114.4444% | 2,055 |
| Earnings coverage of net charge-offs (x) | 7.0665% | 2,852 |
| Efficiency ratio | 72.3117% | 3,346 |
| Assets per employee ($millions) | 3.7714% | 4,299 |
| Cash dividends to net income (ytd only)* | 9.4301% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 5,430 |
| Loan loss allowance to noncurrent loans | 67.3171% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 2,533 |
| Noncurrent loans to loans | 1.5950% | 2,781 |
| Net loans and leases to total assets | 70.9780% | 1,786 |
| Net loans and leases to deposits | 79.3572% | 2,500 |
| Net loans and leases to core deposits | 116.3312% | 385 |
| Total domestic deposits to total assets | 89.4412% | 1,335 |
| Equity capital to assets | 10.2853% | 3,525 |
| Core capital (leverage) ratio | 10.2942% | 3,251 |
| Tier 1 risk-based capital ratio | 17.9347% | 2,348 |
| Total risk-based capital ratio | 19.1869% | 2,314 |
| Memoranda: | ||
| Average total assets | $72,758,750 | 5,452 |
| Average earning assets | $68,604,500 | 5,390 |
| Average equity | $7,278,250 | 5,564 |
| Average total loans | $50,497,750 | 4,983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,989 |
| Cost of funding earning assets | 0.7606% | 1,642 |
| Net interest margin | 3.8002% | 2,556 |
| Noninterest income to average assets | 0.4239% | 4,351 |
| Noninterest expense to average assets | 2.9784% | 3,067 |
| Loan and lease loss provision to assets | 0.1723% | 2,185 |
| Net operating income to assets | 0.6400% | 4,108 |
| Return on assets (ROA) | 0.6400% | 4,252 |
| Pretax return on assets | 0.8533% | 4,106 |
| Return on Equity (ROE) | 6.4572% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4086% | 2,805 |
| Net charge-offs to loans | 0.1793% | 2,683 |
| Credit loss provision to net charge-offs | 140.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,413 |
| Efficiency ratio | 74.3852% | 3,055 |
| Assets per employee ($millions) | 3.8663% | 4,076 |
| Cash dividends to net income (ytd only)* | 16.2393% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,443 |
| Loan loss allowance to noncurrent loans | 56.9530% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.7887% | 2,431 |
| Noncurrent loans to loans | 1.9319% | 2,470 |
| Net loans and leases to total assets | 68.1541% | 2,202 |
| Net loans and leases to deposits | 78.1183% | 2,557 |
| Net loans and leases to core deposits | 106.1260% | 735 |
| Total domestic deposits to total assets | 87.2448% | 2,689 |
| Equity capital to assets | 9.7999% | 4,184 |
| Core capital (leverage) ratio | 9.7823% | 3,816 |
| Tier 1 risk-based capital ratio | 17.8523% | 2,373 |
| Total risk-based capital ratio | 19.1030% | 2,337 |
| Memoranda: | ||
| Average total assets | $73,126,330 | 5,484 |
| Average earning assets | $68,891,670 | 5,423 |
| Average equity | $7,247,670 | 5,614 |
| Average total loans | $50,193,000 | 5,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 2,240 |
| Cost of funding earning assets | 0.7688% | 1,717 |
| Net interest margin | 3.7100% | 2,812 |
| Noninterest income to average assets | 0.4441% | 4,146 |
| Noninterest expense to average assets | 3.2785% | 2,131 |
| Loan and lease loss provision to assets | 0.1809% | 2,049 |
| Net operating income to assets | 0.3618% | 5,300 |
| Return on assets (ROA) | 0.3618% | 5,436 |
| Pretax return on assets | 0.4770% | 5,335 |
| Return on Equity (ROE) | 3.6304% | 5,283 |
| Retained earnings to average equity (ytd only) | 1.5402% | 5,216 |
| Net charge-offs to loans | 0.3602% | 1,556 |
| Credit loss provision to net charge-offs | 73.3333% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,974 |
| Efficiency ratio | 83.2869% | 1,857 |
| Assets per employee ($millions) | 3.2641% | 5,516 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 5,746 |
| Loan loss allowance to noncurrent loans | 62.4408% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 2,594 |
| Noncurrent loans to loans | 1.6983% | 2,997 |
| Net loans and leases to total assets | 68.4724% | 1,930 |
| Net loans and leases to deposits | 78.8347% | 2,236 |
| Net loans and leases to core deposits | 106.7034% | 618 |
| Total domestic deposits to total assets | 86.8556% | 3,044 |
| Equity capital to assets | 10.1267% | 3,981 |
| Core capital (leverage) ratio | 9.5354% | 4,020 |
| Tier 1 risk-based capital ratio | 17.9690% | 2,380 |
| Total risk-based capital ratio | 19.2197% | 2,343 |
| Memoranda: | ||
| Average total assets | $72,959,500 | 5,536 |
| Average earning assets | $68,679,500 | 5,472 |
| Average equity | $7,272,000 | 5,670 |
| Average total loans | $49,978,000 | 5,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 2,751 |
| Cost of funding earning assets | 0.9248% | 1,789 |
| Net interest margin | 3.7358% | 3,497 |
| Noninterest income to average assets | 0.5506% | 3,574 |
| Noninterest expense to average assets | 2.9858% | 3,330 |
| Loan and lease loss provision to assets | 0.2460% | 2,684 |
| Net operating income to assets | 0.6947% | 3,765 |
| Return on assets (ROA) | 0.7873% | 3,590 |
| Pretax return on assets | 0.9682% | 3,661 |
| Return on Equity (ROE) | 8.4804% | 2,875 |
| Retained earnings to average equity (ytd only) | 7.4920% | 1,344 |
| Net charge-offs to loans | 0.3596% | 2,833 |
| Credit loss provision to net charge-offs | 102.2099% | 2,950 |
| Earnings coverage of net charge-offs (x) | 4.5691% | 3,324 |
| Efficiency ratio | 73.0794% | 3,228 |
| Assets per employee ($millions) | 3.3686% | 5,289 |
| Cash dividends to net income (ytd only)* | 11.6554% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,668 |
| Loan loss allowance to noncurrent loans | 30.9060% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 2.9767% | 1,594 |
| Noncurrent loans to loans | 3.4700% | 1,440 |
| Net loans and leases to total assets | 67.0904% | 2,348 |
| Net loans and leases to deposits | 76.9802% | 2,660 |
| Net loans and leases to core deposits | 106.1486% | 682 |
| Total domestic deposits to total assets | 87.1527% | 2,738 |
| Equity capital to assets | 9.8126% | 4,432 |
| Core capital (leverage) ratio | 9.4239% | 4,223 |
| Tier 1 risk-based capital ratio | 15.8704% | 3,236 |
| Total risk-based capital ratio | 17.1031% | 3,195 |
| Memoranda: | ||
| Average total assets | $75,189,000 | 5,478 |
| Average earning assets | $71,150,000 | 5,391 |
| Average equity | $6,980,800 | 5,772 |
| Average total loans | $50,333,000 | 5,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 2,780 |
| Cost of funding earning assets | 0.9574% | 1,808 |
| Net interest margin | 3.7492% | 3,560 |
| Noninterest income to average assets | 0.4382% | 4,377 |
| Noninterest expense to average assets | 2.9914% | 3,259 |
| Loan and lease loss provision to assets | 0.2120% | 2,946 |
| Net operating income to assets | 0.6294% | 4,245 |
| Return on assets (ROA) | 0.7509% | 3,942 |
| Pretax return on assets | 0.9365% | 3,973 |
| Return on Equity (ROE) | 8.2028% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.5466% | 1,826 |
| Net charge-offs to loans | 0.2966% | 2,953 |
| Credit loss provision to net charge-offs | 107.1429% | 2,742 |
| Earnings coverage of net charge-offs (x) | 5.0357% | 3,132 |
| Efficiency ratio | 75.0111% | 2,827 |
| Assets per employee ($millions) | 3.4179% | 5,166 |
| Cash dividends to net income (ytd only)* | 7.9996% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,728 |
| Loan loss allowance to noncurrent loans | 56.7398% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.1398% | 2,505 |
| Noncurrent loans to loans | 1.9345% | 2,918 |
| Net loans and leases to total assets | 65.0677% | 2,824 |
| Net loans and leases to deposits | 74.2962% | 3,238 |
| Net loans and leases to core deposits | 101.0847% | 1,048 |
| Total domestic deposits to total assets | 87.5788% | 2,303 |
| Equity capital to assets | 9.5141% | 5,188 |
| Core capital (leverage) ratio | 9.0636% | 4,971 |
| Tier 1 risk-based capital ratio | 17.4830% | 2,545 |
| Total risk-based capital ratio | 18.7338% | 2,512 |
| Memoranda: | ||
| Average total assets | $75,459,000 | 5,535 |
| Average earning assets | $71,444,750 | 5,447 |
| Average equity | $6,908,000 | 5,853 |
| Average total loans | $50,351,500 | 5,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 2,805 |
| Cost of funding earning assets | 0.9794% | 1,884 |
| Net interest margin | 3.7502% | 3,589 |
| Noninterest income to average assets | 0.4792% | 4,063 |
| Noninterest expense to average assets | 3.0418% | 3,121 |
| Loan and lease loss provision to assets | 0.2383% | 2,688 |
| Net operating income to assets | 0.6068% | 4,341 |
| Return on assets (ROA) | 0.7889% | 3,690 |
| Pretax return on assets | 0.9848% | 3,771 |
| Return on Equity (ROE) | 8.7313% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.7351% | 1,753 |
| Net charge-offs to loans | 0.3436% | 2,641 |
| Credit loss provision to net charge-offs | 103.4483% | 2,636 |
| Earnings coverage of net charge-offs (x) | 4.3218% | 3,120 |
| Efficiency ratio | 75.3443% | 2,842 |
| Assets per employee ($millions) | 3.4281% | 5,145 |
| Cash dividends to net income (ytd only)* | 11.4094% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,932 |
| Loan loss allowance to noncurrent loans | 46.9050% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9770% | 2,803 |
| Noncurrent loans to loans | 2.2541% | 2,670 |
| Net loans and leases to total assets | 66.7551% | 2,515 |
| Net loans and leases to deposits | 75.9997% | 2,992 |
| Net loans and leases to core deposits | 101.4406% | 1,007 |
| Total domestic deposits to total assets | 87.8360% | 2,258 |
| Equity capital to assets | 9.2430% | 5,410 |
| Core capital (leverage) ratio | 8.8159% | 5,197 |
| Tier 1 risk-based capital ratio | 16.5527% | 2,883 |
| Total risk-based capital ratio | 17.8040% | 2,846 |
| Memoranda: | ||
| Average total assets | $75,547,330 | 5,558 |
| Average earning assets | $71,676,670 | 5,472 |
| Average equity | $6,826,000 | 5,896 |
| Average total loans | $50,645,330 | 5,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,724 |
| Cost of funding earning assets | 1.0092% | 1,924 |
| Net interest margin | 3.7690% | 3,521 |
| Noninterest income to average assets | 0.4126% | 4,576 |
| Noninterest expense to average assets | 2.9837% | 3,316 |
| Loan and lease loss provision to assets | 0.2645% | 2,342 |
| Net operating income to assets | 0.5978% | 4,348 |
| Return on assets (ROA) | 0.9575% | 2,856 |
| Pretax return on assets | 1.1903% | 2,947 |
| Return on Equity (ROE) | 10.7204% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.7066% | 1,694 |
| Net charge-offs to loans | 0.6571% | 1,488 |
| Credit loss provision to net charge-offs | 60.2410% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.2892% | 3,250 |
| Efficiency ratio | 74.8011% | 2,977 |
| Assets per employee ($millions) | 3.9646% | 4,087 |
| Cash dividends to net income (ytd only)* | 18.7845% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,274 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 3,189 |
| Noncurrent loans to loans | 1.9876% | 3,180 |
| Net loans and leases to total assets | 66.3923% | 2,389 |
| Net loans and leases to deposits | 75.4010% | 2,903 |
| Net loans and leases to core deposits | 102.1070% | 860 |
| Total domestic deposits to total assets | 88.0523% | 2,286 |
| Equity capital to assets | 9.0232% | 5,457 |
| Core capital (leverage) ratio | 8.8587% | 5,050 |
| Tier 1 risk-based capital ratio | 16.3756% | 2,974 |
| Total risk-based capital ratio | 17.6256% | 2,928 |
| Memoranda: | ||
| Average total assets | $75,611,500 | 5,604 |
| Average earning assets | $71,742,500 | 5,504 |
| Average equity | $6,753,500 | 5,945 |
| Average total loans | $50,526,000 | 5,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 2,652 |
| Cost of funding earning assets | 1.1370% | 2,430 |
| Net interest margin | 3.9131% | 3,279 |
| Noninterest income to average assets | 0.3893% | 4,709 |
| Noninterest expense to average assets | 3.0199% | 3,522 |
| Loan and lease loss provision to assets | 0.5075% | 2,070 |
| Net operating income to assets | 0.4650% | 4,565 |
| Return on assets (ROA) | 0.4650% | 4,768 |
| Pretax return on assets | 0.5700% | 4,783 |
| Return on Equity (ROE) | 5.4395% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.4759% | 2,984 |
| Net charge-offs to loans | 0.7957% | 2,167 |
| Credit loss provision to net charge-offs | 94.0887% | 3,829 |
| Earnings coverage of net charge-offs (x) | 1.9975% | 4,286 |
| Efficiency ratio | 73.7030% | 3,279 |
| Assets per employee ($millions) | 3.9945% | 3,867 |
| Cash dividends to net income (ytd only)* | 17.7143% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,969 |
| Loan loss allowance to noncurrent loans | 42.8000% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 1.6576% | 3,467 |
| Noncurrent loans to loans | 2.4734% | 2,659 |
| Net loans and leases to total assets | 65.8844% | 2,809 |
| Net loans and leases to deposits | 74.6458% | 3,392 |
| Net loans and leases to core deposits | 100.3714% | 1,144 |
| Total domestic deposits to total assets | 88.2627% | 1,991 |
| Equity capital to assets | 8.8412% | 5,744 |
| Core capital (leverage) ratio | 8.4095% | 5,703 |
| Tier 1 risk-based capital ratio | 15.8969% | 3,094 |
| Total risk-based capital ratio | 17.1482% | 3,060 |
| Memoranda: | ||
| Average total assets | $75,266,800 | 5,595 |
| Average earning assets | $71,325,000 | 5,489 |
| Average equity | $6,434,400 | 6,033 |
| Average total loans | $51,022,000 | 5,233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 2,453 |
| Cost of funding earning assets | 1.1539% | 2,613 |
| Net interest margin | 3.9806% | 3,004 |
| Noninterest income to average assets | 0.3657% | 4,946 |
| Noninterest expense to average assets | 2.9805% | 3,627 |
| Loan and lease loss provision to assets | 0.2876% | 3,215 |
| Net operating income to assets | 0.6089% | 4,047 |
| Return on assets (ROA) | 0.6089% | 4,232 |
| Pretax return on assets | 0.8698% | 3,879 |
| Return on Equity (ROE) | 7.1844% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.5979% | 2,200 |
| Net charge-offs to loans | 0.5970% | 2,471 |
| Credit loss provision to net charge-offs | 70.7424% | 4,460 |
| Earnings coverage of net charge-offs (x) | 2.8471% | 3,720 |
| Efficiency ratio | 72.0292% | 3,546 |
| Assets per employee ($millions) | 4.0214% | 3,800 |
| Cash dividends to net income (ytd only)* | 8.1628% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,342 |
| Loan loss allowance to noncurrent loans | 88.3303% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,243 |
| Noncurrent loans to loans | 1.1130% | 4,696 |
| Net loans and leases to total assets | 64.8562% | 3,140 |
| Net loans and leases to deposits | 73.4112% | 3,740 |
| Net loans and leases to core deposits | 95.3879% | 1,662 |
| Total domestic deposits to total assets | 88.3465% | 1,846 |
| Equity capital to assets | 8.7873% | 5,993 |
| Core capital (leverage) ratio | 8.4635% | 5,759 |
| Tier 1 risk-based capital ratio | 15.9091% | 3,165 |
| Total risk-based capital ratio | 17.1238% | 3,136 |
| Memoranda: | ||
| Average total assets | $75,109,750 | 5,642 |
| Average earning assets | $71,177,000 | 5,540 |
| Average equity | $6,365,500 | 6,090 |
| Average total loans | $51,143,000 | 5,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 2,301 |
| Cost of funding earning assets | 1.1734% | 2,756 |
| Net interest margin | 4.0152% | 2,767 |
| Noninterest income to average assets | 0.3428% | 5,135 |
| Noninterest expense to average assets | 2.8603% | 4,189 |
| Loan and lease loss provision to assets | 0.2517% | 3,388 |
| Net operating income to assets | 0.7231% | 3,424 |
| Return on assets (ROA) | 0.7231% | 3,546 |
| Pretax return on assets | 1.0338% | 3,106 |
| Return on Equity (ROE) | 8.6409% | 2,660 |
| Retained earnings to average equity (ytd only) | 7.7448% | 1,559 |
| Net charge-offs to loans | 0.8426% | 1,816 |
| Credit loss provision to net charge-offs | 43.3180% | 4,752 |
| Earnings coverage of net charge-offs (x) | 2.2120% | 3,730 |
| Efficiency ratio | 68.9922% | 4,331 |
| Assets per employee ($millions) | 4.0124% | 3,732 |
| Cash dividends to net income (ytd only)* | 10.3704% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,780 |
| Loan loss allowance to noncurrent loans | 59.4005% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 4,714 |
| Noncurrent loans to loans | 1.4264% | 4,278 |
| Net loans and leases to total assets | 66.9286% | 2,835 |
| Net loans and leases to deposits | 75.5516% | 3,551 |
| Net loans and leases to core deposits | 99.8298% | 1,356 |
| Total domestic deposits to total assets | 88.5866% | 1,797 |
| Equity capital to assets | 8.5040% | 6,178 |
| Core capital (leverage) ratio | 8.4353% | 5,652 |
| Tier 1 risk-based capital ratio | 15.2020% | 3,396 |
| Total risk-based capital ratio | 16.2423% | 3,473 |
| Memoranda: | ||
| Average total assets | $74,677,670 | 5,700 |
| Average earning assets | $70,731,670 | 5,611 |
| Average equity | $6,249,330 | 6,159 |
| Average total loans | $51,508,670 | 5,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,560 |
| Cost of funding earning assets | 1.1998% | 2,817 |
| Net interest margin | 3.9192% | 3,051 |
| Noninterest income to average assets | 0.3464% | 5,137 |
| Noninterest expense to average assets | 2.9283% | 3,956 |
| Loan and lease loss provision to assets | 0.1840% | 3,773 |
| Net operating income to assets | 0.6549% | 3,726 |
| Return on assets (ROA) | 0.6549% | 3,802 |
| Pretax return on assets | 0.9472% | 3,331 |
| Return on Equity (ROE) | 7.8924% | 2,964 |
| Retained earnings to average equity (ytd only) | 6.1313% | 2,556 |
| Net charge-offs to loans | 0.0931% | 4,006 |
| Credit loss provision to net charge-offs | 283.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 17.4167% | 1,223 |
| Efficiency ratio | 72.1333% | 3,833 |
| Assets per employee ($millions) | 4.0138% | 3,809 |
| Cash dividends to net income (ytd only)* | 22.3140% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,960 |
| Loan loss allowance to noncurrent loans | 54.0968% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4489% | 4,098 |
| Noncurrent loans to loans | 2.0750% | 3,480 |
| Net loans and leases to total assets | 67.1059% | 2,731 |
| Net loans and leases to deposits | 75.4656% | 3,502 |
| Net loans and leases to core deposits | 99.1418% | 1,417 |
| Total domestic deposits to total assets | 88.9225% | 1,816 |
| Equity capital to assets | 8.1062% | 6,386 |
| Core capital (leverage) ratio | 8.4940% | 5,464 |
| Tier 1 risk-based capital ratio | 14.6299% | 3,657 |
| Total risk-based capital ratio | 15.8804% | 3,618 |
| Memoranda: | ||
| Average total assets | $73,899,000 | 5,764 |
| Average earning assets | $70,013,500 | 5,669 |
| Average equity | $6,132,500 | 6,200 |
| Average total loans | $51,533,500 | 5,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 1,679 |
| Cost of funding earning assets | 1.4210% | 3,132 |
| Net interest margin | 4.2487% | 2,003 |
| Noninterest income to average assets | 0.6038% | 3,456 |
| Noninterest expense to average assets | 3.0633% | 3,616 |
| Loan and lease loss provision to assets | 0.2442% | 4,848 |
| Net operating income to assets | 0.8929% | 2,419 |
| Return on assets (ROA) | 1.0048% | 2,128 |
| Pretax return on assets | 1.4384% | 1,544 |
| Return on Equity (ROE) | 11.5704% | 1,427 |
| Retained earnings to average equity (ytd only) | 10.7525% | 407 |
| Net charge-offs to loans | 0.0567% | 6,221 |
| Credit loss provision to net charge-offs | 589.2857% | 371 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 620 |
| Efficiency ratio | 66.7957% | 4,800 |
| Assets per employee ($millions) | 3.7650% | 4,331 |
| Cash dividends to net income (ytd only)* | 7.0692% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,987 |
| Loan loss allowance to noncurrent loans | 47.1332% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7222% | 3,721 |
| Noncurrent loans to loans | 2.3115% | 3,207 |
| Net loans and leases to total assets | 70.9443% | 2,319 |
| Net loans and leases to deposits | 80.2714% | 3,123 |
| Net loans and leases to core deposits | 107.6809% | 1,079 |
| Total domestic deposits to total assets | 88.3805% | 2,024 |
| Equity capital to assets | 8.5035% | 5,852 |
| Core capital (leverage) ratio | 8.5491% | 5,278 |
| Tier 1 risk-based capital ratio | 14.7036% | 3,424 |
| Total risk-based capital ratio | 15.9536% | 3,388 |
| Memoranda: | ||
| Average total assets | $67,574,400 | 5,947 |
| Average earning assets | $63,337,400 | 5,879 |
| Average equity | $5,868,400 | 6,405 |
| Average total loans | $49,397,200 | 5,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7761% | 1,469 |
| Cost of funding earning assets | 1.4440% | 3,304 |
| Net interest margin | 4.3321% | 1,740 |
| Noninterest income to average assets | 0.7149% | 2,739 |
| Noninterest expense to average assets | 3.1218% | 3,231 |
| Loan and lease loss provision to assets | 0.2163% | 4,902 |
| Net operating income to assets | 0.9267% | 2,510 |
| Return on assets (ROA) | 1.0673% | 2,125 |
| Pretax return on assets | 1.6420% | 1,237 |
| Return on Equity (ROE) | 12.2215% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.7400% | 490 |
| Net charge-offs to loans | 0.0109% | 6,513 |
| Credit loss provision to net charge-offs | 2,700.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 205.1238% | 156 |
| Efficiency ratio | 65.5317% | 4,956 |
| Assets per employee ($millions) | 3.7256% | 4,445 |
| Cash dividends to net income (ytd only)* | 3.9401% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 6,157 |
| Loan loss allowance to noncurrent loans | 115.6044% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 5,363 |
| Noncurrent loans to loans | 0.9093% | 5,427 |
| Net loans and leases to total assets | 69.9422% | 2,741 |
| Net loans and leases to deposits | 80.5827% | 3,341 |
| Net loans and leases to core deposits | 105.9241% | 1,332 |
| Total domestic deposits to total assets | 86.7956% | 2,649 |
| Equity capital to assets | 8.6033% | 6,150 |
| Core capital (leverage) ratio | 9.0725% | 4,567 |
| Tier 1 risk-based capital ratio | 14.4011% | 3,569 |
| Total risk-based capital ratio | 15.6521% | 3,537 |
| Memoranda: | ||
| Average total assets | $66,584,250 | 6,043 |
| Average earning assets | $62,231,750 | 5,984 |
| Average equity | $5,814,750 | 6,507 |
| Average total loans | $48,919,250 | 5,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 1,378 |
| Cost of funding earning assets | 1.4822% | 3,355 |
| Net interest margin | 4.3384% | 1,640 |
| Noninterest income to average assets | 0.8530% | 1,871 |
| Noninterest expense to average assets | 3.1757% | 2,986 |
| Loan and lease loss provision to assets | 0.1994% | 4,873 |
| Net operating income to assets | 0.9943% | 2,224 |
| Return on assets (ROA) | 1.1199% | 1,853 |
| Pretax return on assets | 1.7305% | 999 |
| Return on Equity (ROE) | 12.7555% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.0217% | 486 |
| Net charge-offs to loans | 0.0041% | 6,316 |
| Credit loss provision to net charge-offs | 6,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 54 |
| Efficiency ratio | 64.6471% | 5,219 |
| Assets per employee ($millions) | 3.4716% | 4,992 |
| Cash dividends to net income (ytd only)* | 5.7534% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,413 |
| Loan loss allowance to noncurrent loans | 149.0798% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 4,666 |
| Noncurrent loans to loans | 0.6696% | 5,912 |
| Net loans and leases to total assets | 73.0689% | 2,151 |
| Net loans and leases to deposits | 84.8763% | 2,726 |
| Net loans and leases to core deposits | 117.8065% | 774 |
| Total domestic deposits to total assets | 86.0887% | 3,034 |
| Equity capital to assets | 8.9553% | 5,514 |
| Core capital (leverage) ratio | 9.1025% | 4,457 |
| Tier 1 risk-based capital ratio | 14.7136% | 3,323 |
| Total risk-based capital ratio | 15.9630% | 3,291 |
| Memoranda: | ||
| Average total assets | $65,183,330 | 6,132 |
| Average earning assets | $60,989,670 | 6,063 |
| Average equity | $5,723,000 | 6,553 |
| Average total loans | $48,547,000 | 5,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8410% | 1,344 |
| Cost of funding earning assets | 1.5131% | 3,470 |
| Net interest margin | 4.3279% | 1,606 |
| Noninterest income to average assets | 1.1482% | 946 |
| Noninterest expense to average assets | 3.1916% | 2,906 |
| Loan and lease loss provision to assets | 0.2284% | 4,214 |
| Net operating income to assets | 1.1371% | 1,719 |
| Return on assets (ROA) | 1.4137% | 1,115 |
| Pretax return on assets | 2.2039% | 416 |
| Return on Equity (ROE) | 16.2671% | 685 |
| Retained earnings to average equity (ytd only) | 14.7754% | 430 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4744% | 5,915 |
| Assets per employee ($millions) | 3.4184% | 5,234 |
| Cash dividends to net income (ytd only)* | 9.1703% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,673 |
| Loan loss allowance to noncurrent loans | 117.0918% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4304% | 4,363 |
| Noncurrent loans to loans | 0.8111% | 5,689 |
| Net loans and leases to total assets | 73.7071% | 2,034 |
| Net loans and leases to deposits | 83.4152% | 3,040 |
| Net loans and leases to core deposits | 113.8508% | 1,046 |
| Total domestic deposits to total assets | 88.3616% | 1,876 |
| Equity capital to assets | 8.8146% | 5,523 |
| Core capital (leverage) ratio | 8.7970% | 4,860 |
| Tier 1 risk-based capital ratio | 13.9555% | 3,686 |
| Total risk-based capital ratio | 15.0783% | 3,738 |
| Memoranda: | ||
| Average total assets | $64,794,500 | 6,215 |
| Average earning assets | $60,538,000 | 6,150 |
| Average equity | $5,631,000 | 6,637 |
| Average total loans | $48,479,000 | 5,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3348% | 958 |
| Cost of funding earning assets | 1.9820% | 3,045 |
| Net interest margin | 4.3527% | 1,565 |
| Noninterest income to average assets | 0.4566% | 4,749 |
| Noninterest expense to average assets | 3.1054% | 3,715 |
| Loan and lease loss provision to assets | 0.2486% | 5,403 |
| Net operating income to assets | 0.8434% | 2,375 |
| Return on assets (ROA) | 0.8434% | 2,459 |
| Pretax return on assets | 1.1424% | 2,118 |
| Return on Equity (ROE) | 9.9942% | 1,692 |
| Retained earnings to average equity (ytd only) | 9.2047% | 467 |
| Net charge-offs to loans | 0.0807% | 6,301 |
| Credit loss provision to net charge-offs | 425.0000% | 736 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 924 |
| Efficiency ratio | 69.0640% | 4,816 |
| Assets per employee ($millions) | 3.4021% | 5,249 |
| Cash dividends to net income (ytd only)* | 7.8998% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,927 |
| Loan loss allowance to noncurrent loans | 72.3842% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 4,107 |
| Noncurrent loans to loans | 1.1989% | 4,940 |
| Net loans and leases to total assets | 74.5746% | 2,127 |
| Net loans and leases to deposits | 84.2200% | 3,213 |
| Net loans and leases to core deposits | 127.6109% | 1,409 |
| Total domestic deposits to total assets | 88.5473% | 1,703 |
| Equity capital to assets | 8.5659% | 5,779 |
| Core capital (leverage) ratio | 8.6145% | 5,071 |
| Tier 1 risk-based capital ratio | 13.2397% | 3,991 |
| Total risk-based capital ratio | 14.2561% | 4,085 |
| Memoranda: | ||
| Average total assets | $61,538,000 | 6,292 |
| Average earning assets | $57,113,400 | 6,244 |
| Average equity | $5,193,000 | 6,875 |
| Average total loans | $44,611,200 | 5,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3431% | 1,042 |
| Cost of funding earning assets | 2.3150% | 1,930 |
| Net interest margin | 4.0281% | 2,689 |
| Noninterest income to average assets | 0.4564% | 4,859 |
| Noninterest expense to average assets | 2.8679% | 4,577 |
| Loan and lease loss provision to assets | 0.2370% | 5,071 |
| Net operating income to assets | 0.8404% | 2,655 |
| Return on assets (ROA) | 0.8404% | 2,718 |
| Pretax return on assets | 1.0818% | 2,635 |
| Return on Equity (ROE) | 9.9990% | 1,910 |
| Retained earnings to average equity (ytd only) | 9.4508% | 739 |
| Net charge-offs to loans | 0.0948% | 5,730 |
| Credit loss provision to net charge-offs | 348.3871% | 1,175 |
| Earnings coverage of net charge-offs (x) | 19.3881% | 1,295 |
| Efficiency ratio | 68.5010% | 4,882 |
| Assets per employee ($millions) | 3.3585% | 5,237 |
| Cash dividends to net income (ytd only)* | 5.4832% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 7,125 |
| Loan loss allowance to noncurrent loans | 227.3810% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 5,112 |
| Noncurrent loans to loans | 0.3512% | 6,653 |
| Net loans and leases to total assets | 74.3681% | 2,425 |
| Net loans and leases to deposits | 81.9716% | 4,028 |
| Net loans and leases to core deposits | 112.2159% | 3,001 |
| Total domestic deposits to total assets | 90.7242% | 504 |
| Equity capital to assets | 8.6192% | 6,086 |
| Core capital (leverage) ratio | 8.3345% | 5,772 |
| Tier 1 risk-based capital ratio | 13.0148% | 4,181 |
| Total risk-based capital ratio | 13.9456% | 4,349 |
| Memoranda: | ||
| Average total assets | $60,762,500 | 6,360 |
| Average earning assets | $56,269,750 | 6,322 |
| Average equity | $5,107,000 | 6,966 |
| Average total loans | $43,607,250 | 5,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3338% | 1,132 |
| Cost of funding earning assets | 2.0798% | 3,365 |
| Net interest margin | 4.2539% | 1,805 |
| Noninterest income to average assets | 0.4586% | 4,792 |
| Noninterest expense to average assets | 2.9960% | 4,097 |
| Loan and lease loss provision to assets | 0.2711% | 4,408 |
| Net operating income to assets | 0.8871% | 2,506 |
| Return on assets (ROA) | 0.8871% | 2,615 |
| Pretax return on assets | 1.1214% | 2,558 |
| Return on Equity (ROE) | 10.6511% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.8473% | 763 |
| Net charge-offs to loans | 0.0237% | 6,157 |
| Credit loss provision to net charge-offs | 1,620.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 83.2000% | 461 |
| Efficiency ratio | 68.2685% | 5,111 |
| Assets per employee ($millions) | 3.3996% | 5,065 |
| Cash dividends to net income (ytd only)* | 7.5472% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,980 |
| Loan loss allowance to noncurrent loans | 86.1991% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 4,371 |
| Noncurrent loans to loans | 0.9870% | 5,232 |
| Net loans and leases to total assets | 68.7392% | 4,016 |
| Net loans and leases to deposits | 75.1511% | 5,299 |
| Net loans and leases to core deposits | 97.3577% | 4,749 |
| Total domestic deposits to total assets | 91.4680% | 330 |
| Equity capital to assets | 7.9561% | 6,806 |
| Core capital (leverage) ratio | 8.6387% | 5,202 |
| Tier 1 risk-based capital ratio | 13.1547% | 4,032 |
| Total risk-based capital ratio | 14.1141% | 4,152 |
| Memoranda: | ||
| Average total assets | $59,746,330 | 6,458 |
| Average earning assets | $55,196,330 | 6,420 |
| Average equity | $4,976,000 | 7,073 |
| Average total loans | $42,197,330 | 6,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3047% | 1,285 |
| Cost of funding earning assets | 2.1675% | 3,330 |
| Net interest margin | 4.1372% | 2,135 |
| Noninterest income to average assets | 0.4536% | 4,740 |
| Noninterest expense to average assets | 3.0284% | 3,640 |
| Loan and lease loss provision to assets | 0.2303% | 4,149 |
| Net operating income to assets | 0.7885% | 3,176 |
| Return on assets (ROA) | 0.7885% | 3,340 |
| Pretax return on assets | 0.9909% | 3,387 |
| Return on Equity (ROE) | 9.2349% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.6004% | 1,978 |
| Net charge-offs to loans | 0.0391% | 4,957 |
| Credit loss provision to net charge-offs | 825.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 796 |
| Efficiency ratio | 71.2644% | 4,315 |
| Assets per employee ($millions) | 3.1081% | 5,873 |
| Cash dividends to net income (ytd only)* | 17.6991% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 7,139 |
| Loan loss allowance to noncurrent loans | 90.0270% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 4,080 |
| Noncurrent loans to loans | 0.8939% | 5,218 |
| Net loans and leases to total assets | 69.7170% | 3,741 |
| Net loans and leases to deposits | 76.4531% | 5,158 |
| Net loans and leases to core deposits | 94.3163% | 5,127 |
| Total domestic deposits to total assets | 91.1893% | 357 |
| Equity capital to assets | 8.4009% | 6,233 |
| Core capital (leverage) ratio | 8.8870% | 4,876 |
| Tier 1 risk-based capital ratio | 13.5451% | 3,839 |
| Total risk-based capital ratio | 14.4372% | 3,981 |
| Memoranda: | ||
| Average total assets | $57,323,500 | 6,566 |
| Average earning assets | $52,595,500 | 6,555 |
| Average equity | $4,894,500 | 7,150 |
| Average total loans | $40,905,500 | 6,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1849% | 771 |
| Cost of funding earning assets | 2.6278% | 3,542 |
| Net interest margin | 4.5571% | 1,294 |
| Noninterest income to average assets | 0.5668% | 4,103 |
| Noninterest expense to average assets | 3.2700% | 3,073 |
| Loan and lease loss provision to assets | 0.2386% | 4,517 |
| Net operating income to assets | 0.9917% | 2,593 |
| Return on assets (ROA) | -0.9955% | 7,167 |
| Pretax return on assets | -1.8566% | 7,393 |
| Return on Equity (ROE) | -11.4575% | 7,387 |
| Retained earnings to average equity (ytd only) | -12.4897% | 7,286 |
| Net charge-offs to loans | 0.0337% | 6,347 |
| Credit loss provision to net charge-offs | 1,023.0769% | 431 |
| Earnings coverage of net charge-offs (x) | 63.7692% | 635 |
| Efficiency ratio | 68.7406% | 4,588 |
| Assets per employee ($millions) | 2.9260% | 6,232 |
| Cash dividends to net income (ytd only)* | -9.0090% | 7,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 7,259 |
| Loan loss allowance to noncurrent loans | 115.5303% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 3,858 |
| Noncurrent loans to loans | 0.6550% | 5,402 |
| Net loans and leases to total assets | 71.9538% | 3,600 |
| Net loans and leases to deposits | 79.2056% | 5,166 |
| Net loans and leases to core deposits | 94.4022% | 5,416 |
| Total domestic deposits to total assets | 90.8443% | 370 |
| Equity capital to assets | 8.6844% | 5,831 |
| Core capital (leverage) ratio | 9.1529% | 4,522 |
| Tier 1 risk-based capital ratio | 13.6989% | 3,697 |
| Total risk-based capital ratio | 14.5381% | 3,852 |
| Memoranda: | ||
| Average total assets | $55,748,400 | 6,539 |
| Average earning assets | $51,260,400 | 6,537 |
| Average equity | $4,844,000 | 7,198 |
| Average total loans | $38,549,600 | 6,240 |