Home > Rolfe State Bank > Performance and Condition Ratios
Rolfe State Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,247 |
| Cost of funding earning assets | 0.4136% | 4,431 |
| Net interest margin | 4.2810% | 1,130 |
| Noninterest income to average assets | 0.4959% | 2,573 |
| Noninterest expense to average assets | 5.1310% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.6867% | 5,267 |
| Return on assets (ROA) | -0.6867% | 5,263 |
| Pretax return on assets | -0.6867% | 5,258 |
| Return on Equity (ROE) | -5.2430% | 5,259 |
| Retained earnings to average equity (ytd only) | -13.1804% | 5,177 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4506% | 87 |
| Assets per employee ($millions) | 3.6866% | 4,356 |
| Cash dividends to net income (ytd only)* | -151.3889% | 5,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,667 |
| Loan loss allowance to noncurrent loans | 111.7647% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 1,864 |
| Noncurrent loans to loans | 1.2555% | 1,310 |
| Net loans and leases to total assets | 59.2558% | 3,766 |
| Net loans and leases to deposits | 69.3446% | 3,821 |
| Net loans and leases to core deposits | 69.3446% | 4,119 |
| Total domestic deposits to total assets | 85.4511% | 2,506 |
| Equity capital to assets | 13.4121% | 1,243 |
| Core capital (leverage) ratio | 12.6991% | 1,403 |
| Tier 1 risk-based capital ratio | 19.4388% | 1,455 |
| Total risk-based capital ratio | 20.6597% | 1,436 |
| Memoranda: | ||
| Average total assets | $41,941,000 | 5,035 |
| Average earning assets | $38,683,000 | 5,022 |
| Average equity | $5,493,000 | 4,962 |
| Average total loans | $25,035,000 | 4,901 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,813 |
| Cost of funding earning assets | 0.3640% | 4,196 |
| Net interest margin | 4.0218% | 1,917 |
| Noninterest income to average assets | 0.5376% | 2,623 |
| Noninterest expense to average assets | 2.9570% | 2,173 |
| Loan and lease loss provision to assets | 0.3296% | 481 |
| Net operating income to assets | 0.9467% | 3,249 |
| Return on assets (ROA) | 0.9467% | 3,243 |
| Pretax return on assets | 0.9958% | 3,620 |
| Return on Equity (ROE) | 7.3905% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.3905% | 4,187 |
| Net charge-offs to loans | 0.4808% | 375 |
| Credit loss provision to net charge-offs | 111.9048% | 2,310 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,288 |
| Efficiency ratio | 69.0502% | 2,376 |
| Assets per employee ($millions) | 3.9390% | 3,982 |
| Cash dividends to net income (ytd only)* | 67.6543% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,902 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,737 |
| Noncurrent loans to loans | 0.7705% | 2,074 |
| Net loans and leases to total assets | 58.5197% | 3,911 |
| Net loans and leases to deposits | 67.8766% | 3,985 |
| Net loans and leases to core deposits | 67.8766% | 4,242 |
| Total domestic deposits to total assets | 86.2148% | 2,127 |
| Equity capital to assets | 12.8020% | 1,434 |
| Core capital (leverage) ratio | 12.8307% | 1,313 |
| Tier 1 risk-based capital ratio | 19.3500% | 1,436 |
| Total risk-based capital ratio | 20.5262% | 1,419 |
| Memoranda: | ||
| Average total assets | $42,779,600 | 5,063 |
| Average earning assets | $39,833,400 | 5,048 |
| Average equity | $5,480,000 | 4,974 |
| Average total loans | $26,209,000 | 4,901 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,604 |
| Cost of funding earning assets | 0.3516% | 4,172 |
| Net interest margin | 4.0555% | 1,771 |
| Noninterest income to average assets | 0.5378% | 2,628 |
| Noninterest expense to average assets | 2.9641% | 2,129 |
| Loan and lease loss provision to assets | 0.1688% | 1,110 |
| Net operating income to assets | 1.1287% | 2,537 |
| Return on assets (ROA) | 1.1287% | 2,546 |
| Pretax return on assets | 1.1913% | 3,024 |
| Return on Equity (ROE) | 8.8101% | 3,184 |
| Retained earnings to average equity (ytd only) | 3.2215% | 4,134 |
| Net charge-offs to loans | 0.0557% | 2,022 |
| Credit loss provision to net charge-offs | 490.9091% | 722 |
| Earnings coverage of net charge-offs (x) | 39.5358% | 1,369 |
| Efficiency ratio | 68.5466% | 2,431 |
| Assets per employee ($millions) | 3.5018% | 4,563 |
| Cash dividends to net income (ytd only)* | 63.4360% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,610 |
| Loan loss allowance to noncurrent loans | 63.9033% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 972 |
| Noncurrent loans to loans | 2.2275% | 626 |
| Net loans and leases to total assets | 60.9752% | 3,750 |
| Net loans and leases to deposits | 71.3018% | 3,824 |
| Net loans and leases to core deposits | 71.3018% | 4,117 |
| Total domestic deposits to total assets | 85.5171% | 2,389 |
| Equity capital to assets | 13.1217% | 1,280 |
| Core capital (leverage) ratio | 13.2190% | 1,199 |
| Tier 1 risk-based capital ratio | 19.2460% | 1,485 |
| Total risk-based capital ratio | 20.4947% | 1,452 |
| Memoranda: | ||
| Average total assets | $42,642,250 | 5,129 |
| Average earning assets | $39,813,500 | 5,115 |
| Average equity | $5,463,250 | 5,037 |
| Average total loans | $26,336,750 | 4,959 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,494 |
| Cost of funding earning assets | 0.3413% | 4,126 |
| Net interest margin | 4.0358% | 1,740 |
| Noninterest income to average assets | 0.4994% | 2,872 |
| Noninterest expense to average assets | 2.9172% | 2,304 |
| Loan and lease loss provision to assets | 0.1680% | 1,097 |
| Net operating income to assets | 1.1062% | 2,556 |
| Return on assets (ROA) | 1.1062% | 2,564 |
| Pretax return on assets | 1.1669% | 3,064 |
| Return on Equity (ROE) | 8.7031% | 3,170 |
| Retained earnings to average equity (ytd only) | 1.9463% | 4,477 |
| Net charge-offs to loans | 0.0680% | 1,660 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 31.7778% | 1,447 |
| Efficiency ratio | 68.6059% | 2,543 |
| Assets per employee ($millions) | 3.4979% | 4,600 |
| Cash dividends to net income (ytd only)* | 77.6371% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,954 |
| Loan loss allowance to noncurrent loans | 58.1281% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 928 |
| Noncurrent loans to loans | 2.3203% | 584 |
| Net loans and leases to total assets | 61.6867% | 3,639 |
| Net loans and leases to deposits | 71.9330% | 3,719 |
| Net loans and leases to core deposits | 71.9330% | 4,014 |
| Total domestic deposits to total assets | 85.7558% | 2,390 |
| Equity capital to assets | 12.9839% | 1,299 |
| Core capital (leverage) ratio | 13.0806% | 1,193 |
| Tier 1 risk-based capital ratio | 18.7325% | 1,615 |
| Total risk-based capital ratio | 19.9277% | 1,597 |
| Memoranda: | ||
| Average total assets | $42,849,000 | 5,187 |
| Average earning assets | $39,843,000 | 5,168 |
| Average equity | $5,446,330 | 5,090 |
| Average total loans | $26,451,330 | 5,011 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 2,314 |
| Cost of funding earning assets | 0.3412% | 4,050 |
| Net interest margin | 4.0239% | 1,645 |
| Noninterest income to average assets | 0.4620% | 3,042 |
| Noninterest expense to average assets | 2.8647% | 2,486 |
| Loan and lease loss provision to assets | 0.1663% | 1,075 |
| Net operating income to assets | 1.0812% | 2,516 |
| Return on assets (ROA) | 1.0812% | 2,533 |
| Pretax return on assets | 1.1366% | 3,020 |
| Return on Equity (ROE) | 8.5958% | 3,107 |
| Retained earnings to average equity (ytd only) | 3.0857% | 3,973 |
| Net charge-offs to loans | 0.1054% | 1,148 |
| Credit loss provision to net charge-offs | 257.1429% | 896 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,482 |
| Efficiency ratio | 68.7361% | 2,712 |
| Assets per employee ($millions) | 3.6240% | 4,510 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,254 |
| Loan loss allowance to noncurrent loans | 41.6769% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.8649% | 641 |
| Noncurrent loans to loans | 3.1164% | 371 |
| Net loans and leases to total assets | 59.0646% | 3,846 |
| Net loans and leases to deposits | 68.4157% | 3,918 |
| Net loans and leases to core deposits | 68.4157% | 4,194 |
| Total domestic deposits to total assets | 86.3319% | 2,393 |
| Equity capital to assets | 12.5253% | 1,473 |
| Core capital (leverage) ratio | 12.6795% | 1,302 |
| Tier 1 risk-based capital ratio | 18.6224% | 1,662 |
| Total risk-based capital ratio | 19.7592% | 1,653 |
| Memoranda: | ||
| Average total assets | $43,286,000 | 5,235 |
| Average earning assets | $39,862,000 | 5,225 |
| Average equity | $5,444,500 | 5,145 |
| Average total loans | $26,553,500 | 5,061 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,926 |
| Cost of funding earning assets | 0.3484% | 3,733 |
| Net interest margin | 4.0881% | 1,485 |
| Noninterest income to average assets | 0.5302% | 2,821 |
| Noninterest expense to average assets | 3.0375% | 2,049 |
| Loan and lease loss provision to assets | 0.2097% | 952 |
| Net operating income to assets | 0.9921% | 2,285 |
| Return on assets (ROA) | 0.9921% | 2,318 |
| Pretax return on assets | 1.0439% | 3,403 |
| Return on Equity (ROE) | 7.9826% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.4039% | 1,866 |
| Net charge-offs to loans | 0.2883% | 912 |
| Credit loss provision to net charge-offs | 115.5844% | 2,269 |
| Earnings coverage of net charge-offs (x) | 6.9091% | 3,123 |
| Efficiency ratio | 70.7853% | 2,430 |
| Assets per employee ($millions) | 3.5903% | 4,586 |
| Cash dividends to net income (ytd only)* | 32.3040% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,730 |
| Loan loss allowance to noncurrent loans | 91.5966% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 1,884 |
| Noncurrent loans to loans | 1.3182% | 1,319 |
| Net loans and leases to total assets | 62.1019% | 3,608 |
| Net loans and leases to deposits | 74.1986% | 3,505 |
| Net loans and leases to core deposits | 74.1986% | 3,867 |
| Total domestic deposits to total assets | 83.6970% | 3,314 |
| Equity capital to assets | 12.6311% | 1,441 |
| Core capital (leverage) ratio | 12.9297% | 1,167 |
| Tier 1 risk-based capital ratio | 17.6739% | 1,896 |
| Total risk-based capital ratio | 18.7257% | 1,902 |
| Memoranda: | ||
| Average total assets | $42,436,200 | 5,299 |
| Average earning assets | $39,040,600 | 5,290 |
| Average equity | $5,274,000 | 5,225 |
| Average total loans | $26,712,600 | 5,106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,908 |
| Cost of funding earning assets | 0.3515% | 3,652 |
| Net interest margin | 4.0673% | 1,490 |
| Noninterest income to average assets | 0.5141% | 2,944 |
| Noninterest expense to average assets | 3.1066% | 1,781 |
| Loan and lease loss provision to assets | 0.2239% | 827 |
| Net operating income to assets | 0.8957% | 3,049 |
| Return on assets (ROA) | 0.8957% | 3,101 |
| Pretax return on assets | 0.9430% | 3,889 |
| Return on Equity (ROE) | 7.2374% | 3,528 |
| Retained earnings to average equity (ytd only) | 4.1028% | 3,474 |
| Net charge-offs to loans | 0.0350% | 2,735 |
| Credit loss provision to net charge-offs | 1,014.2857% | 352 |
| Earnings coverage of net charge-offs (x) | 52.8746% | 1,080 |
| Efficiency ratio | 72.6937% | 2,099 |
| Assets per employee ($millions) | 3.4865% | 4,747 |
| Cash dividends to net income (ytd only)* | 43.3106% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,810 |
| Loan loss allowance to noncurrent loans | 123.8562% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 2,313 |
| Noncurrent loans to loans | 1.1463% | 1,673 |
| Net loans and leases to total assets | 62.8998% | 3,561 |
| Net loans and leases to deposits | 73.3547% | 3,631 |
| Net loans and leases to core deposits | 73.8819% | 3,983 |
| Total domestic deposits to total assets | 85.7474% | 2,409 |
| Equity capital to assets | 12.7898% | 1,496 |
| Core capital (leverage) ratio | 12.8037% | 1,290 |
| Tier 1 risk-based capital ratio | 17.6668% | 1,955 |
| Total risk-based capital ratio | 18.9137% | 1,894 |
| Memoranda: | ||
| Average total assets | $42,274,250 | 5,359 |
| Average earning assets | $39,074,750 | 5,346 |
| Average equity | $5,232,000 | 5,287 |
| Average total loans | $26,620,000 | 5,159 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 1,870 |
| Cost of funding earning assets | 0.3473% | 3,610 |
| Net interest margin | 4.0350% | 1,500 |
| Noninterest income to average assets | 0.4998% | 3,029 |
| Noninterest expense to average assets | 3.1118% | 1,810 |
| Loan and lease loss provision to assets | 0.2499% | 667 |
| Net operating income to assets | 0.8157% | 3,327 |
| Return on assets (ROA) | 0.8157% | 3,377 |
| Pretax return on assets | 0.8628% | 4,068 |
| Return on Equity (ROE) | 6.6637% | 3,740 |
| Retained earnings to average equity (ytd only) | 2.3881% | 4,252 |
| Net charge-offs to loans | 0.0677% | 1,958 |
| Credit loss provision to net charge-offs | 588.8889% | 583 |
| Earnings coverage of net charge-offs (x) | 26.2222% | 1,581 |
| Efficiency ratio | 73.6607% | 2,076 |
| Assets per employee ($millions) | 3.2028% | 5,091 |
| Cash dividends to net income (ytd only)* | 64.1618% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,145 |
| Loan loss allowance to noncurrent loans | 1,196.6667% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,907 |
| Noncurrent loans to loans | 0.1133% | 4,668 |
| Net loans and leases to total assets | 62.7342% | 3,545 |
| Net loans and leases to deposits | 74.8295% | 3,464 |
| Net loans and leases to core deposits | 74.8295% | 3,872 |
| Total domestic deposits to total assets | 83.8361% | 3,264 |
| Equity capital to assets | 12.6237% | 1,563 |
| Core capital (leverage) ratio | 12.3730% | 1,433 |
| Tier 1 risk-based capital ratio | 17.5610% | 1,986 |
| Total risk-based capital ratio | 18.7569% | 1,961 |
| Memoranda: | ||
| Average total assets | $42,419,670 | 5,400 |
| Average earning assets | $39,157,000 | 5,390 |
| Average equity | $5,192,330 | 5,330 |
| Average total loans | $26,595,000 | 5,200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 1,965 |
| Cost of funding earning assets | 0.3350% | 3,705 |
| Net interest margin | 3.9590% | 1,583 |
| Noninterest income to average assets | 0.4952% | 3,014 |
| Noninterest expense to average assets | 3.1300% | 1,789 |
| Loan and lease loss provision to assets | 0.2896% | 484 |
| Net operating income to assets | 0.6821% | 3,780 |
| Return on assets (ROA) | 0.6821% | 3,819 |
| Pretax return on assets | 0.7194% | 4,388 |
| Return on Equity (ROE) | 5.6584% | 4,058 |
| Retained earnings to average equity (ytd only) | -0.9301% | 5,051 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6208% | 1,967 |
| Assets per employee ($millions) | 3.2658% | 5,082 |
| Cash dividends to net income (ytd only)* | 116.4384% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,373 |
| Loan loss allowance to noncurrent loans | 107.4534% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 2,406 |
| Noncurrent loans to loans | 1.2408% | 1,630 |
| Net loans and leases to total assets | 60.3095% | 3,755 |
| Net loans and leases to deposits | 69.6034% | 3,841 |
| Net loans and leases to core deposits | 69.6034% | 4,177 |
| Total domestic deposits to total assets | 86.6474% | 2,373 |
| Equity capital to assets | 12.1396% | 1,746 |
| Core capital (leverage) ratio | 11.7842% | 1,764 |
| Tier 1 risk-based capital ratio | 17.4207% | 2,056 |
| Total risk-based capital ratio | 18.5803% | 2,033 |
| Memoranda: | ||
| Average total assets | $42,811,500 | 5,452 |
| Average earning assets | $39,404,000 | 5,443 |
| Average equity | $5,160,500 | 5,387 |
| Average total loans | $26,653,000 | 5,251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,598 |
| Cost of funding earning assets | 0.3362% | 3,681 |
| Net interest margin | 4.1437% | 1,262 |
| Noninterest income to average assets | 0.5353% | 2,997 |
| Noninterest expense to average assets | 2.9798% | 2,410 |
| Loan and lease loss provision to assets | 0.4059% | 379 |
| Net operating income to assets | 0.8966% | 2,843 |
| Return on assets (ROA) | 0.8966% | 2,964 |
| Pretax return on assets | 0.9434% | 3,675 |
| Return on Equity (ROE) | 7.6858% | 3,124 |
| Retained earnings to average equity (ytd only) | 0.0574% | 5,286 |
| Net charge-offs to loans | 1.0296% | 182 |
| Credit loss provision to net charge-offs | 62.9758% | 3,205 |
| Earnings coverage of net charge-offs (x) | 2.0934% | 3,886 |
| Efficiency ratio | 68.8305% | 3,100 |
| Assets per employee ($millions) | 3.0834% | 5,284 |
| Cash dividends to net income (ytd only)* | 99.2537% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,420 |
| Loan loss allowance to noncurrent loans | 143.1818% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 3,228 |
| Noncurrent loans to loans | 0.8042% | 2,506 |
| Net loans and leases to total assets | 62.6404% | 3,521 |
| Net loans and leases to deposits | 72.3594% | 3,674 |
| Net loans and leases to core deposits | 72.3594% | 4,065 |
| Total domestic deposits to total assets | 86.5684% | 2,346 |
| Equity capital to assets | 11.9698% | 1,828 |
| Core capital (leverage) ratio | 11.9146% | 1,654 |
| Tier 1 risk-based capital ratio | 16.7778% | 2,237 |
| Total risk-based capital ratio | 17.7922% | 2,274 |
| Memoranda: | ||
| Average total assets | $44,835,800 | 5,445 |
| Average earning assets | $41,050,600 | 5,442 |
| Average equity | $5,230,400 | 5,425 |
| Average total loans | $28,067,800 | 5,267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,663 |
| Cost of funding earning assets | 0.3305% | 3,772 |
| Net interest margin | 4.1302% | 1,312 |
| Noninterest income to average assets | 0.5038% | 3,223 |
| Noninterest expense to average assets | 2.9905% | 2,348 |
| Loan and lease loss provision to assets | 0.0943% | 2,340 |
| Net operating income to assets | 1.1491% | 1,812 |
| Return on assets (ROA) | 1.1491% | 1,914 |
| Pretax return on assets | 1.2109% | 2,791 |
| Return on Equity (ROE) | 9.9117% | 2,087 |
| Retained earnings to average equity (ytd only) | 1.6774% | 4,840 |
| Net charge-offs to loans | -0.0472% | 5,350 |
| Credit loss provision to net charge-offs | -320.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6159% | 2,947 |
| Assets per employee ($millions) | 3.1621% | 5,224 |
| Cash dividends to net income (ytd only)* | 83.0766% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,352 |
| Loan loss allowance to noncurrent loans | 83.6036% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 1,562 |
| Noncurrent loans to loans | 1.9613% | 1,012 |
| Net loans and leases to total assets | 62.8747% | 3,538 |
| Net loans and leases to deposits | 78.0385% | 3,183 |
| Net loans and leases to core deposits | 78.0385% | 3,660 |
| Total domestic deposits to total assets | 80.5688% | 4,364 |
| Equity capital to assets | 11.9723% | 2,138 |
| Core capital (leverage) ratio | 11.9557% | 1,706 |
| Tier 1 risk-based capital ratio | 16.4565% | 2,432 |
| Total risk-based capital ratio | 17.7082% | 2,384 |
| Memoranda: | ||
| Average total assets | $45,253,000 | 5,488 |
| Average earning assets | $41,546,750 | 5,488 |
| Average equity | $5,246,250 | 5,478 |
| Average total loans | $28,246,000 | 5,306 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 1,731 |
| Cost of funding earning assets | 0.3245% | 3,854 |
| Net interest margin | 4.1085% | 1,348 |
| Noninterest income to average assets | 0.4870% | 3,281 |
| Noninterest expense to average assets | 2.9530% | 2,508 |
| Loan and lease loss provision to assets | 0.0921% | 2,308 |
| Net operating income to assets | 1.1540% | 1,759 |
| Return on assets (ROA) | 1.1540% | 1,876 |
| Pretax return on assets | 1.2198% | 2,702 |
| Return on Equity (ROE) | 10.0606% | 2,022 |
| Retained earnings to average equity (ytd only) | 0.5355% | 5,144 |
| Net charge-offs to loans | -0.0708% | 5,507 |
| Credit loss provision to net charge-offs | -210.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2387% | 3,109 |
| Assets per employee ($millions) | 3.1771% | 5,239 |
| Cash dividends to net income (ytd only)* | 94.6768% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,381 |
| Loan loss allowance to noncurrent loans | 65.2738% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.5603% | 1,205 |
| Noncurrent loans to loans | 2.5370% | 682 |
| Net loans and leases to total assets | 60.4811% | 3,816 |
| Net loans and leases to deposits | 72.8065% | 3,718 |
| Net loans and leases to core deposits | 72.8065% | 4,110 |
| Total domestic deposits to total assets | 83.0710% | 3,618 |
| Equity capital to assets | 11.8255% | 2,251 |
| Core capital (leverage) ratio | 11.5991% | 1,909 |
| Tier 1 risk-based capital ratio | 16.4992% | 2,429 |
| Total risk-based capital ratio | 17.7506% | 2,375 |
| Memoranda: | ||
| Average total assets | $45,581,000 | 5,549 |
| Average earning assets | $41,913,000 | 5,543 |
| Average equity | $5,228,330 | 5,538 |
| Average total loans | $28,228,670 | 5,358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,102 |
| Cost of funding earning assets | 0.3091% | 4,073 |
| Net interest margin | 3.9993% | 1,620 |
| Noninterest income to average assets | 0.4509% | 3,479 |
| Noninterest expense to average assets | 2.8787% | 2,780 |
| Loan and lease loss provision to assets | 0.0954% | 2,099 |
| Net operating income to assets | 1.1185% | 1,837 |
| Return on assets (ROA) | 1.1185% | 1,939 |
| Pretax return on assets | 1.1792% | 2,785 |
| Return on Equity (ROE) | 9.8993% | 2,025 |
| Retained earnings to average equity (ytd only) | 2.3022% | 4,332 |
| Net charge-offs to loans | -0.1395% | 5,753 |
| Credit loss provision to net charge-offs | -110.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3111% | 3,246 |
| Assets per employee ($millions) | 3.1861% | 5,300 |
| Cash dividends to net income (ytd only)* | 76.7442% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 1,571 |
| Loan loss allowance to noncurrent loans | 52.0564% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9078% | 936 |
| Noncurrent loans to loans | 3.0972% | 515 |
| Net loans and leases to total assets | 60.6040% | 3,699 |
| Net loans and leases to deposits | 71.8523% | 3,663 |
| Net loans and leases to core deposits | 71.8523% | 4,073 |
| Total domestic deposits to total assets | 84.3452% | 3,379 |
| Equity capital to assets | 11.7563% | 2,196 |
| Core capital (leverage) ratio | 11.6404% | 1,874 |
| Tier 1 risk-based capital ratio | 16.4241% | 2,508 |
| Total risk-based capital ratio | 17.6755% | 2,459 |
| Memoranda: | ||
| Average total assets | $46,131,500 | 5,591 |
| Average earning assets | $42,707,500 | 5,578 |
| Average equity | $5,212,500 | 5,581 |
| Average total loans | $28,665,500 | 5,390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,345 |
| Cost of funding earning assets | 0.2915% | 4,350 |
| Net interest margin | 3.9704% | 1,810 |
| Noninterest income to average assets | 0.5072% | 3,272 |
| Noninterest expense to average assets | 2.7266% | 3,496 |
| Loan and lease loss provision to assets | 0.0880% | 2,538 |
| Net operating income to assets | 1.3067% | 1,251 |
| Return on assets (ROA) | 1.3266% | 1,251 |
| Pretax return on assets | 1.3958% | 1,923 |
| Return on Equity (ROE) | 12.5124% | 1,177 |
| Retained earnings to average equity (ytd only) | 4.2103% | 2,988 |
| Net charge-offs to loans | 0.0249% | 3,742 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 99.7143% | 577 |
| Efficiency ratio | 65.0825% | 4,064 |
| Assets per employee ($millions) | 3.4041% | 4,970 |
| Cash dividends to net income (ytd only)* | 66.3507% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 2,361 |
| Loan loss allowance to noncurrent loans | 72.2603% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 1,761 |
| Noncurrent loans to loans | 1.9561% | 1,079 |
| Net loans and leases to total assets | 61.7601% | 3,589 |
| Net loans and leases to deposits | 78.8307% | 2,958 |
| Net loans and leases to core deposits | 78.8307% | 3,459 |
| Total domestic deposits to total assets | 78.3453% | 5,095 |
| Equity capital to assets | 10.8714% | 2,967 |
| Core capital (leverage) ratio | 11.3455% | 2,089 |
| Tier 1 risk-based capital ratio | 15.1043% | 3,130 |
| Total risk-based capital ratio | 16.3287% | 3,074 |
| Memoranda: | ||
| Average total assets | $47,714,800 | 5,594 |
| Average earning assets | $44,253,000 | 5,572 |
| Average equity | $5,059,000 | 5,645 |
| Average total loans | $28,113,600 | 5,438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,428 |
| Cost of funding earning assets | 0.2948% | 4,396 |
| Net interest margin | 3.9499% | 1,874 |
| Noninterest income to average assets | 0.4581% | 3,653 |
| Noninterest expense to average assets | 2.6566% | 3,698 |
| Loan and lease loss provision to assets | 0.0894% | 2,372 |
| Net operating income to assets | 1.3073% | 1,322 |
| Return on assets (ROA) | 1.3073% | 1,372 |
| Pretax return on assets | 1.3800% | 2,099 |
| Return on Equity (ROE) | 12.4089% | 1,265 |
| Retained earnings to average equity (ytd only) | 3.1023% | 4,246 |
| Net charge-offs to loans | 0.0048% | 4,007 |
| Credit loss provision to net charge-offs | 3,200.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 527.3083% | 133 |
| Efficiency ratio | 64.3873% | 4,177 |
| Assets per employee ($millions) | 3.2682% | 5,178 |
| Cash dividends to net income (ytd only)* | 75.0008% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,190 |
| Loan loss allowance to noncurrent loans | 97.6636% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 2,519 |
| Noncurrent loans to loans | 1.5288% | 1,638 |
| Net loans and leases to total assets | 60.2732% | 3,844 |
| Net loans and leases to deposits | 76.0814% | 3,295 |
| Net loans and leases to core deposits | 76.0814% | 3,794 |
| Total domestic deposits to total assets | 79.2219% | 4,926 |
| Equity capital to assets | 11.2381% | 2,762 |
| Core capital (leverage) ratio | 11.1407% | 2,358 |
| Tier 1 risk-based capital ratio | 15.8840% | 2,850 |
| Total risk-based capital ratio | 17.1334% | 2,791 |
| Memoranda: | ||
| Average total assets | $47,729,250 | 5,666 |
| Average earning assets | $44,321,000 | 5,645 |
| Average equity | $5,028,500 | 5,719 |
| Average total loans | $27,678,250 | 5,518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,560 |
| Cost of funding earning assets | 0.2940% | 4,454 |
| Net interest margin | 3.8982% | 1,985 |
| Noninterest income to average assets | 0.4505% | 3,703 |
| Noninterest expense to average assets | 2.6164% | 3,862 |
| Loan and lease loss provision to assets | 0.0868% | 2,373 |
| Net operating income to assets | 1.2937% | 1,340 |
| Return on assets (ROA) | 1.2937% | 1,400 |
| Pretax return on assets | 1.3640% | 2,131 |
| Return on Equity (ROE) | 12.5434% | 1,211 |
| Retained earnings to average equity (ytd only) | 1.2423% | 5,059 |
| Net charge-offs to loans | 0.0073% | 3,646 |
| Credit loss provision to net charge-offs | 2,100.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 198 |
| Efficiency ratio | 64.3293% | 4,302 |
| Assets per employee ($millions) | 3.2991% | 5,169 |
| Cash dividends to net income (ytd only)* | 90.0958% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 2,238 |
| Loan loss allowance to noncurrent loans | 160.8696% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,787 |
| Noncurrent loans to loans | 0.9401% | 2,777 |
| Net loans and leases to total assets | 57.3863% | 4,175 |
| Net loans and leases to deposits | 69.1188% | 4,027 |
| Net loans and leases to core deposits | 69.1188% | 4,402 |
| Total domestic deposits to total assets | 83.0255% | 3,948 |
| Equity capital to assets | 10.8948% | 2,996 |
| Core capital (leverage) ratio | 10.7259% | 2,703 |
| Tier 1 risk-based capital ratio | 16.1294% | 2,793 |
| Total risk-based capital ratio | 17.3815% | 2,745 |
| Memoranda: | ||
| Average total assets | $48,387,330 | 5,713 |
| Average earning assets | $44,893,000 | 5,688 |
| Average equity | $4,990,670 | 5,779 |
| Average total loans | $27,572,330 | 5,574 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,661 |
| Cost of funding earning assets | 0.2878% | 4,577 |
| Net interest margin | 3.8552% | 2,045 |
| Noninterest income to average assets | 0.4122% | 3,904 |
| Noninterest expense to average assets | 2.5542% | 4,087 |
| Loan and lease loss provision to assets | 0.0889% | 2,212 |
| Net operating income to assets | 1.2690% | 1,363 |
| Return on assets (ROA) | 1.2690% | 1,443 |
| Pretax return on assets | 1.3418% | 2,113 |
| Return on Equity (ROE) | 12.6358% | 1,180 |
| Retained earnings to average equity (ytd only) | -4.5070% | 5,896 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0974% | 4,466 |
| Assets per employee ($millions) | 3.6742% | 4,567 |
| Cash dividends to net income (ytd only)* | 135.6688% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,594 |
| Loan loss allowance to noncurrent loans | 113.7143% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 3,294 |
| Noncurrent loans to loans | 1.2882% | 2,229 |
| Net loans and leases to total assets | 56.0485% | 4,196 |
| Net loans and leases to deposits | 68.6718% | 3,896 |
| Net loans and leases to core deposits | 68.6718% | 4,272 |
| Total domestic deposits to total assets | 81.6180% | 4,632 |
| Equity capital to assets | 10.4200% | 3,623 |
| Core capital (leverage) ratio | 10.2581% | 3,270 |
| Tier 1 risk-based capital ratio | 15.5472% | 3,123 |
| Total risk-based capital ratio | 16.7974% | 3,065 |
| Memoranda: | ||
| Average total assets | $49,487,500 | 5,733 |
| Average earning assets | $45,860,000 | 5,710 |
| Average equity | $4,970,000 | 5,841 |
| Average total loans | $27,902,500 | 5,601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 3,659 |
| Cost of funding earning assets | 0.3323% | 4,467 |
| Net interest margin | 3.6862% | 3,059 |
| Noninterest income to average assets | 0.4752% | 3,672 |
| Noninterest expense to average assets | 2.5893% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2436% | 1,455 |
| Return on assets (ROA) | 1.2571% | 1,470 |
| Pretax return on assets | 1.3241% | 2,162 |
| Return on Equity (ROE) | 12.9840% | 1,140 |
| Retained earnings to average equity (ytd only) | 7.1527% | 1,332 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4063% | 4,181 |
| Assets per employee ($millions) | 3.9393% | 4,088 |
| Cash dividends to net income (ytd only)* | 44.9111% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 3,167 |
| Loan loss allowance to noncurrent loans | 80.6250% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 2,869 |
| Noncurrent loans to loans | 1.6762% | 1,747 |
| Net loans and leases to total assets | 55.1620% | 4,429 |
| Net loans and leases to deposits | 74.8437% | 3,332 |
| Net loans and leases to core deposits | 74.8437% | 3,836 |
| Total domestic deposits to total assets | 73.7029% | 5,970 |
| Equity capital to assets | 9.6913% | 4,481 |
| Core capital (leverage) ratio | 10.1827% | 3,332 |
| Tier 1 risk-based capital ratio | 15.2224% | 3,365 |
| Total risk-based capital ratio | 16.4020% | 3,361 |
| Memoranda: | ||
| Average total assets | $49,241,800 | 5,803 |
| Average earning assets | $45,738,400 | 5,782 |
| Average equity | $4,767,400 | 5,914 |
| Average total loans | $25,917,600 | 5,740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,721 |
| Cost of funding earning assets | 0.3385% | 4,482 |
| Net interest margin | 3.6707% | 3,150 |
| Noninterest income to average assets | 0.4485% | 3,904 |
| Noninterest expense to average assets | 2.5928% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1989% | 1,678 |
| Return on assets (ROA) | 1.2171% | 1,685 |
| Pretax return on assets | 1.2854% | 2,434 |
| Return on Equity (ROE) | 12.5743% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.0470% | 2,380 |
| Net charge-offs to loans | -0.0158% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1864% | 4,012 |
| Assets per employee ($millions) | 3.7499% | 4,395 |
| Cash dividends to net income (ytd only)* | 51.9096% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 2,688 |
| Loan loss allowance to noncurrent loans | 71.1679% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 2,708 |
| Noncurrent loans to loans | 2.1136% | 1,481 |
| Net loans and leases to total assets | 52.3847% | 4,764 |
| Net loans and leases to deposits | 68.1223% | 4,114 |
| Net loans and leases to core deposits | 68.1223% | 4,501 |
| Total domestic deposits to total assets | 76.8980% | 5,690 |
| Equity capital to assets | 9.9182% | 4,273 |
| Core capital (leverage) ratio | 10.1987% | 3,415 |
| Tier 1 risk-based capital ratio | 16.1266% | 2,996 |
| Total risk-based capital ratio | 17.3757% | 2,952 |
| Memoranda: | ||
| Average total assets | $48,749,500 | 5,884 |
| Average earning assets | $45,294,500 | 5,855 |
| Average equity | $4,718,500 | 5,988 |
| Average total loans | $25,238,000 | 5,831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,845 |
| Cost of funding earning assets | 0.3439% | 4,495 |
| Net interest margin | 3.6288% | 3,237 |
| Noninterest income to average assets | 0.4390% | 3,955 |
| Noninterest expense to average assets | 2.5723% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1789% | 1,660 |
| Return on assets (ROA) | 1.2062% | 1,632 |
| Pretax return on assets | 1.2718% | 2,360 |
| Return on Equity (ROE) | 12.5650% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.7012% | 3,152 |
| Net charge-offs to loans | -0.0160% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4194% | 4,128 |
| Assets per employee ($millions) | 3.3732% | 5,113 |
| Cash dividends to net income (ytd only)* | 62.5850% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 2,489 |
| Loan loss allowance to noncurrent loans | 237.1951% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,993 |
| Noncurrent loans to loans | 0.6713% | 4,035 |
| Net loans and leases to total assets | 50.9052% | 4,867 |
| Net loans and leases to deposits | 64.1426% | 4,480 |
| Net loans and leases to core deposits | 64.1426% | 4,812 |
| Total domestic deposits to total assets | 79.3626% | 5,369 |
| Equity capital to assets | 10.0921% | 3,981 |
| Core capital (leverage) ratio | 10.0381% | 3,559 |
| Tier 1 risk-based capital ratio | 16.6737% | 2,753 |
| Total risk-based capital ratio | 17.9234% | 2,717 |
| Memoranda: | ||
| Average total assets | $48,749,670 | 5,932 |
| Average earning assets | $45,359,330 | 5,900 |
| Average equity | $4,679,670 | 6,039 |
| Average total loans | $25,008,330 | 5,883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,893 |
| Cost of funding earning assets | 0.3393% | 4,654 |
| Net interest margin | 3.6107% | 3,210 |
| Noninterest income to average assets | 0.4039% | 4,155 |
| Noninterest expense to average assets | 2.4721% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2143% | 1,450 |
| Return on assets (ROA) | 1.2603% | 1,376 |
| Pretax return on assets | 1.3330% | 1,986 |
| Return on Equity (ROE) | 13.4584% | 1,048 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,695 |
| Net charge-offs to loans | -0.0316% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8065% | 4,562 |
| Assets per employee ($millions) | 3.4151% | 5,118 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 2,543 |
| Loan loss allowance to noncurrent loans | 293.9394% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 5,335 |
| Noncurrent loans to loans | 0.5586% | 4,490 |
| Net loans and leases to total assets | 48.6164% | 5,046 |
| Net loans and leases to deposits | 56.7994% | 5,045 |
| Net loans and leases to core deposits | 56.7994% | 5,294 |
| Total domestic deposits to total assets | 85.5933% | 3,562 |
| Equity capital to assets | 9.7969% | 4,113 |
| Core capital (leverage) ratio | 9.8051% | 3,853 |
| Tier 1 risk-based capital ratio | 16.8476% | 2,759 |
| Total risk-based capital ratio | 18.1007% | 2,715 |
| Memoranda: | ||
| Average total assets | $49,512,000 | 5,975 |
| Average earning assets | $45,975,000 | 5,939 |
| Average equity | $4,636,500 | 6,087 |
| Average total loans | $25,298,000 | 5,924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,516 |
| Cost of funding earning assets | 0.4332% | 4,286 |
| Net interest margin | 3.4524% | 4,086 |
| Noninterest income to average assets | 0.4546% | 4,059 |
| Noninterest expense to average assets | 2.5399% | 4,644 |
| Loan and lease loss provision to assets | 0.0183% | 4,762 |
| Net operating income to assets | 1.0898% | 1,961 |
| Return on assets (ROA) | 1.1537% | 1,810 |
| Pretax return on assets | 1.2129% | 2,526 |
| Return on Equity (ROE) | 12.3060% | 1,326 |
| Retained earnings to average equity (ytd only) | 3.7614% | 3,534 |
| Net charge-offs to loans | -0.0415% | 6,291 |
| Credit loss provision to net charge-offs | -90.0000% | 5,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5746% | 4,085 |
| Assets per employee ($millions) | 3.6581% | 4,570 |
| Cash dividends to net income (ytd only)* | 69.4346% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,489 |
| Loan loss allowance to noncurrent loans | 489.8734% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,855 |
| Noncurrent loans to loans | 0.2930% | 5,304 |
| Net loans and leases to total assets | 51.8950% | 4,871 |
| Net loans and leases to deposits | 67.6535% | 4,097 |
| Net loans and leases to core deposits | 69.4206% | 4,357 |
| Total domestic deposits to total assets | 76.7071% | 6,022 |
| Equity capital to assets | 8.9606% | 5,085 |
| Core capital (leverage) ratio | 9.5128% | 4,241 |
| Tier 1 risk-based capital ratio | 14.7251% | 3,824 |
| Total risk-based capital ratio | 15.9499% | 3,781 |
| Memoranda: | ||
| Average total assets | $49,058,000 | 6,035 |
| Average earning assets | $46,170,400 | 5,985 |
| Average equity | $4,599,400 | 6,171 |
| Average total loans | $24,067,800 | 6,030 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,590 |
| Cost of funding earning assets | 0.4485% | 4,293 |
| Net interest margin | 3.4280% | 4,176 |
| Noninterest income to average assets | 0.4177% | 4,387 |
| Noninterest expense to average assets | 2.5529% | 4,537 |
| Loan and lease loss provision to assets | 0.0247% | 4,514 |
| Net operating income to assets | 1.0185% | 2,302 |
| Return on assets (ROA) | 1.1047% | 2,063 |
| Pretax return on assets | 1.1651% | 2,830 |
| Return on Equity (ROE) | 11.6469% | 1,599 |
| Retained earnings to average equity (ytd only) | 2.3177% | 4,941 |
| Net charge-offs to loans | -0.0400% | 6,241 |
| Credit loss provision to net charge-offs | -128.5714% | 5,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9022% | 3,773 |
| Assets per employee ($millions) | 3.4374% | 4,977 |
| Cash dividends to net income (ytd only)* | 80.0985% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 2,737 |
| Loan loss allowance to noncurrent loans | 196.9231% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 5,209 |
| Noncurrent loans to loans | 0.8472% | 4,132 |
| Net loans and leases to total assets | 47.0285% | 5,444 |
| Net loans and leases to deposits | 55.6028% | 5,403 |
| Net loans and leases to core deposits | 57.0032% | 5,528 |
| Total domestic deposits to total assets | 84.5794% | 3,940 |
| Equity capital to assets | 9.4236% | 4,643 |
| Core capital (leverage) ratio | 9.4557% | 4,466 |
| Tier 1 risk-based capital ratio | 16.2921% | 3,041 |
| Total risk-based capital ratio | 17.5426% | 3,005 |
| Memoranda: | ||
| Average total assets | $48,519,250 | 6,124 |
| Average earning assets | $45,778,500 | 6,064 |
| Average equity | $4,602,000 | 6,248 |
| Average total loans | $23,343,750 | 6,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,732 |
| Cost of funding earning assets | 0.4505% | 4,421 |
| Net interest margin | 3.3789% | 4,271 |
| Noninterest income to average assets | 0.4193% | 4,382 |
| Noninterest expense to average assets | 2.4830% | 4,796 |
| Loan and lease loss provision to assets | 0.0370% | 4,212 |
| Net operating income to assets | 1.0567% | 2,092 |
| Return on assets (ROA) | 1.1593% | 1,818 |
| Pretax return on assets | 1.2127% | 2,611 |
| Return on Equity (ROE) | 12.1964% | 1,429 |
| Retained earnings to average equity (ytd only) | 1.3407% | 5,354 |
| Net charge-offs to loans | -0.0597% | 6,325 |
| Credit loss provision to net charge-offs | -128.5714% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4807% | 4,103 |
| Assets per employee ($millions) | 3.6865% | 4,423 |
| Cash dividends to net income (ytd only)* | 89.0071% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 2,813 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 4,601 |
| Noncurrent loans to loans | 1.3725% | 3,257 |
| Net loans and leases to total assets | 46.6333% | 5,463 |
| Net loans and leases to deposits | 56.1674% | 5,320 |
| Net loans and leases to core deposits | 56.1674% | 5,586 |
| Total domestic deposits to total assets | 83.0256% | 4,692 |
| Equity capital to assets | 9.3020% | 4,854 |
| Core capital (leverage) ratio | 9.2905% | 4,558 |
| Tier 1 risk-based capital ratio | 16.4846% | 2,946 |
| Total risk-based capital ratio | 17.7380% | 2,898 |
| Memoranda: | ||
| Average total assets | $48,651,000 | 6,156 |
| Average earning assets | $46,168,330 | 6,097 |
| Average equity | $4,624,330 | 6,289 |
| Average total loans | $23,453,000 | 6,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 4,848 |
| Cost of funding earning assets | 0.4450% | 4,646 |
| Net interest margin | 3.3462% | 4,332 |
| Noninterest income to average assets | 0.3509% | 4,871 |
| Noninterest expense to average assets | 2.4238% | 5,040 |
| Loan and lease loss provision to assets | 0.0734% | 3,405 |
| Net operating income to assets | 0.9956% | 2,242 |
| Return on assets (ROA) | 0.9956% | 2,361 |
| Pretax return on assets | 1.0446% | 3,169 |
| Return on Equity (ROE) | 10.3664% | 1,926 |
| Retained earnings to average equity (ytd only) | 2.7191% | 4,658 |
| Net charge-offs to loans | -0.1176% | 6,511 |
| Credit loss provision to net charge-offs | -128.5714% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4332% | 4,233 |
| Assets per employee ($millions) | 3.7879% | 4,377 |
| Cash dividends to net income (ytd only)* | 73.7705% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,762 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,697 |
| Noncurrent loans to loans | 0.6611% | 4,800 |
| Net loans and leases to total assets | 43.4539% | 5,716 |
| Net loans and leases to deposits | 48.7215% | 5,868 |
| Net loans and leases to core deposits | 48.7215% | 6,053 |
| Total domestic deposits to total assets | 89.1883% | 1,565 |
| Equity capital to assets | 9.5648% | 4,763 |
| Core capital (leverage) ratio | 9.0033% | 4,882 |
| Tier 1 risk-based capital ratio | 17.1221% | 2,699 |
| Total risk-based capital ratio | 18.3747% | 2,669 |
| Memoranda: | ||
| Average total assets | $49,014,000 | 6,207 |
| Average earning assets | $46,740,000 | 6,135 |
| Average equity | $4,707,500 | 6,333 |
| Average total loans | $23,813,000 | 6,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 4,081 |
| Cost of funding earning assets | 0.5747% | 4,591 |
| Net interest margin | 3.7575% | 3,405 |
| Noninterest income to average assets | 0.5286% | 3,721 |
| Noninterest expense to average assets | 2.5459% | 4,943 |
| Loan and lease loss provision to assets | 0.1321% | 3,972 |
| Net operating income to assets | 1.3368% | 1,220 |
| Return on assets (ROA) | 1.3368% | 1,345 |
| Pretax return on assets | 1.4073% | 2,020 |
| Return on Equity (ROE) | 13.2916% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.9122% | 2,131 |
| Net charge-offs to loans | 0.0370% | 5,404 |
| Credit loss provision to net charge-offs | 666.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 493 |
| Efficiency ratio | 62.3181% | 5,192 |
| Assets per employee ($millions) | 3.7527% | 4,460 |
| Cash dividends to net income (ytd only)* | 55.5189% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 4,046 |
| Loan loss allowance to noncurrent loans | 593.5484% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 6,255 |
| Noncurrent loans to loans | 0.2399% | 5,879 |
| Net loans and leases to total assets | 52.2210% | 4,897 |
| Net loans and leases to deposits | 65.6852% | 4,334 |
| Net loans and leases to core deposits | 65.6852% | 4,773 |
| Total domestic deposits to total assets | 79.5019% | 5,786 |
| Equity capital to assets | 9.6444% | 4,670 |
| Core capital (leverage) ratio | 9.3681% | 4,306 |
| Tier 1 risk-based capital ratio | 15.0300% | 3,705 |
| Total risk-based capital ratio | 16.2646% | 3,662 |
| Memoranda: | ||
| Average total assets | $45,407,200 | 6,340 |
| Average earning assets | $42,980,800 | 6,272 |
| Average equity | $4,566,800 | 6,426 |
| Average total loans | $24,356,600 | 6,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 4,073 |
| Cost of funding earning assets | 0.5936% | 4,714 |
| Net interest margin | 3.8013% | 3,330 |
| Noninterest income to average assets | 0.4877% | 4,001 |
| Noninterest expense to average assets | 2.5641% | 4,863 |
| Loan and lease loss provision to assets | 0.1346% | 3,861 |
| Net operating income to assets | 1.3195% | 1,394 |
| Return on assets (ROA) | 1.3195% | 1,529 |
| Pretax return on assets | 1.3913% | 2,267 |
| Return on Equity (ROE) | 12.9735% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.8245% | 3,490 |
| Net charge-offs to loans | 0.0278% | 5,270 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 101.9460% | 414 |
| Efficiency ratio | 62.6920% | 5,035 |
| Assets per employee ($millions) | 3.5694% | 4,809 |
| Cash dividends to net income (ytd only)* | 62.8106% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,877 |
| Loan loss allowance to noncurrent loans | 236.4238% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 5,876 |
| Noncurrent loans to loans | 0.6420% | 5,155 |
| Net loans and leases to total assets | 49.9160% | 5,320 |
| Net loans and leases to deposits | 56.4541% | 5,591 |
| Net loans and leases to core deposits | 56.4541% | 5,855 |
| Total domestic deposits to total assets | 88.4186% | 1,777 |
| Equity capital to assets | 10.0319% | 4,447 |
| Core capital (leverage) ratio | 9.5588% | 4,180 |
| Tier 1 risk-based capital ratio | 15.7425% | 3,402 |
| Total risk-based capital ratio | 16.9919% | 3,367 |
| Memoranda: | ||
| Average total assets | $44,562,750 | 6,434 |
| Average earning assets | $42,229,500 | 6,366 |
| Average equity | $4,532,250 | 6,505 |
| Average total loans | $23,984,750 | 6,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 4,027 |
| Cost of funding earning assets | 0.6150% | 4,765 |
| Net interest margin | 3.8247% | 3,244 |
| Noninterest income to average assets | 0.4869% | 4,013 |
| Noninterest expense to average assets | 2.5802% | 4,845 |
| Loan and lease loss provision to assets | 0.1365% | 3,811 |
| Net operating income to assets | 1.3197% | 1,391 |
| Return on assets (ROA) | 1.3197% | 1,540 |
| Pretax return on assets | 1.3925% | 2,225 |
| Return on Equity (ROE) | 12.9138% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.1616% | 4,515 |
| Net charge-offs to loans | 0.0580% | 4,605 |
| Credit loss provision to net charge-offs | 428.5714% | 688 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 755 |
| Efficiency ratio | 62.7907% | 5,116 |
| Assets per employee ($millions) | 3.3584% | 5,309 |
| Cash dividends to net income (ytd only)* | 75.5172% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,326 |
| Loan loss allowance to noncurrent loans | 151.7857% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,479 |
| Noncurrent loans to loans | 0.9444% | 4,623 |
| Net loans and leases to total assets | 53.5468% | 4,873 |
| Net loans and leases to deposits | 60.8628% | 5,157 |
| Net loans and leases to core deposits | 60.8628% | 5,503 |
| Total domestic deposits to total assets | 87.9796% | 2,157 |
| Equity capital to assets | 10.4102% | 3,795 |
| Core capital (leverage) ratio | 9.5406% | 4,091 |
| Tier 1 risk-based capital ratio | 15.7556% | 3,301 |
| Total risk-based capital ratio | 17.0035% | 3,272 |
| Memoranda: | ||
| Average total assets | $43,949,670 | 6,493 |
| Average earning assets | $41,624,330 | 6,423 |
| Average equity | $4,491,330 | 6,547 |
| Average total loans | $24,140,000 | 6,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 4,329 |
| Cost of funding earning assets | 0.6123% | 5,035 |
| Net interest margin | 3.7887% | 3,444 |
| Noninterest income to average assets | 0.4626% | 4,207 |
| Noninterest expense to average assets | 2.5672% | 4,932 |
| Loan and lease loss provision to assets | 0.1361% | 3,648 |
| Net operating income to assets | 1.2881% | 1,482 |
| Return on assets (ROA) | 1.2881% | 1,656 |
| Pretax return on assets | 1.3516% | 2,354 |
| Return on Equity (ROE) | 12.7226% | 1,483 |
| Retained earnings to average equity (ytd only) | -1.6127% | 6,231 |
| Net charge-offs to loans | -0.0329% | 6,380 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3110% | 5,048 |
| Assets per employee ($millions) | 3.4853% | 5,148 |
| Cash dividends to net income (ytd only)* | 112.6761% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,393 |
| Loan loss allowance to noncurrent loans | 159.8086% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 5,702 |
| Noncurrent loans to loans | 0.9051% | 4,860 |
| Net loans and leases to total assets | 50.2284% | 5,273 |
| Net loans and leases to deposits | 56.6500% | 5,533 |
| Net loans and leases to core deposits | 56.6500% | 5,848 |
| Total domestic deposits to total assets | 88.6645% | 1,907 |
| Equity capital to assets | 9.8457% | 4,315 |
| Core capital (leverage) ratio | 9.4309% | 4,149 |
| Tier 1 risk-based capital ratio | 15.5182% | 3,439 |
| Total risk-based capital ratio | 16.7549% | 3,420 |
| Memoranda: | ||
| Average total assets | $44,095,000 | 6,534 |
| Average earning assets | $41,808,000 | 6,459 |
| Average equity | $4,464,500 | 6,590 |
| Average total loans | $24,351,000 | 6,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 3,425 |
| Cost of funding earning assets | 0.7229% | 5,387 |
| Net interest margin | 4.1628% | 2,184 |
| Noninterest income to average assets | 0.5800% | 3,297 |
| Noninterest expense to average assets | 2.7892% | 4,387 |
| Loan and lease loss provision to assets | 0.1474% | 4,769 |
| Net operating income to assets | 1.4892% | 848 |
| Return on assets (ROA) | 1.4892% | 920 |
| Pretax return on assets | 1.5630% | 1,300 |
| Return on Equity (ROE) | 14.2622% | 871 |
| Retained earnings to average equity (ytd only) | 5.4366% | 2,345 |
| Net charge-offs to loans | 0.0689% | 5,622 |
| Credit loss provision to net charge-offs | 375.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 629 |
| Efficiency ratio | 61.9880% | 5,461 |
| Assets per employee ($millions) | 3.2985% | 5,514 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 5,234 |
| Loan loss allowance to noncurrent loans | 240.1515% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 6,207 |
| Noncurrent loans to loans | 0.5154% | 5,679 |
| Net loans and leases to total assets | 58.9842% | 4,198 |
| Net loans and leases to deposits | 73.6010% | 3,561 |
| Net loans and leases to core deposits | 73.6010% | 4,297 |
| Total domestic deposits to total assets | 80.1404% | 5,704 |
| Equity capital to assets | 10.4195% | 3,624 |
| Core capital (leverage) ratio | 10.0870% | 3,238 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,907 |
| Total risk-based capital ratio | 15.6891% | 3,989 |
| Memoranda: | ||
| Average total assets | $40,692,200 | 6,650 |
| Average earning assets | $38,315,400 | 6,594 |
| Average equity | $4,249,000 | 6,676 |
| Average total loans | $23,215,800 | 6,501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 3,460 |
| Cost of funding earning assets | 0.7446% | 5,494 |
| Net interest margin | 4.1781% | 2,181 |
| Noninterest income to average assets | 0.5347% | 3,620 |
| Noninterest expense to average assets | 2.8097% | 4,306 |
| Loan and lease loss provision to assets | 0.1495% | 4,581 |
| Net operating income to assets | 1.4281% | 1,104 |
| Return on assets (ROA) | 1.4281% | 1,171 |
| Pretax return on assets | 1.5078% | 1,635 |
| Return on Equity (ROE) | 13.6692% | 1,118 |
| Retained earnings to average equity (ytd only) | 3.3379% | 4,348 |
| Net charge-offs to loans | 0.0177% | 5,907 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 166.3300% | 234 |
| Efficiency ratio | 62.8996% | 5,262 |
| Assets per employee ($millions) | 3.1968% | 5,691 |
| Cash dividends to net income (ytd only)* | 75.5808% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,846 |
| Loan loss allowance to noncurrent loans | 175.9777% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,879 |
| Noncurrent loans to loans | 0.7588% | 5,359 |
| Net loans and leases to total assets | 56.0085% | 4,842 |
| Net loans and leases to deposits | 69.0846% | 4,437 |
| Net loans and leases to core deposits | 69.0846% | 5,054 |
| Total domestic deposits to total assets | 81.0722% | 5,412 |
| Equity capital to assets | 10.5419% | 3,655 |
| Core capital (leverage) ratio | 9.8999% | 3,576 |
| Tier 1 risk-based capital ratio | 15.0954% | 3,611 |
| Total risk-based capital ratio | 16.2600% | 3,623 |
| Memoranda: | ||
| Average total assets | $40,145,000 | 6,723 |
| Average earning assets | $37,783,000 | 6,667 |
| Average equity | $4,194,250 | 6,749 |
| Average total loans | $22,617,250 | 6,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 3,648 |
| Cost of funding earning assets | 0.7675% | 5,577 |
| Net interest margin | 4.1272% | 2,311 |
| Noninterest income to average assets | 0.5344% | 3,601 |
| Noninterest expense to average assets | 2.8533% | 4,220 |
| Loan and lease loss provision to assets | 0.1512% | 4,418 |
| Net operating income to assets | 1.3308% | 1,242 |
| Return on assets (ROA) | 1.3308% | 1,320 |
| Pretax return on assets | 1.4065% | 1,784 |
| Return on Equity (ROE) | 12.7783% | 1,248 |
| Retained earnings to average equity (ytd only) | -0.5324% | 5,971 |
| Net charge-offs to loans | 0.0359% | 5,352 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 77.2500% | 444 |
| Efficiency ratio | 64.6857% | 5,110 |
| Assets per employee ($millions) | 3.1128% | 5,849 |
| Cash dividends to net income (ytd only)* | 104.1667% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,920 |
| Loan loss allowance to noncurrent loans | 192.9032% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 6,171 |
| Noncurrent loans to loans | 0.6901% | 5,525 |
| Net loans and leases to total assets | 54.7694% | 5,185 |
| Net loans and leases to deposits | 64.2984% | 5,235 |
| Net loans and leases to core deposits | 64.2984% | 5,695 |
| Total domestic deposits to total assets | 85.1802% | 3,794 |
| Equity capital to assets | 10.3568% | 3,684 |
| Core capital (leverage) ratio | 9.7815% | 3,546 |
| Tier 1 risk-based capital ratio | 15.3986% | 3,294 |
| Total risk-based capital ratio | 16.5593% | 3,298 |
| Memoranda: | ||
| Average total assets | $39,674,000 | 6,797 |
| Average earning assets | $37,264,670 | 6,753 |
| Average equity | $4,132,000 | 6,807 |
| Average total loans | $22,292,670 | 6,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 3,953 |
| Cost of funding earning assets | 0.8072% | 5,538 |
| Net interest margin | 4.0143% | 2,626 |
| Noninterest income to average assets | 0.4888% | 3,979 |
| Noninterest expense to average assets | 2.9329% | 3,931 |
| Loan and lease loss provision to assets | 0.1528% | 4,112 |
| Net operating income to assets | 1.0897% | 1,874 |
| Return on assets (ROA) | 1.0897% | 1,920 |
| Pretax return on assets | 1.1508% | 2,558 |
| Return on Equity (ROE) | 10.4327% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.4327% | 1,013 |
| Net charge-offs to loans | 0.0901% | 4,046 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 957 |
| Efficiency ratio | 69.2308% | 4,429 |
| Assets per employee ($millions) | 3.0387% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 4,870 |
| Loan loss allowance to noncurrent loans | 224.6032% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 6,398 |
| Noncurrent loans to loans | 0.6044% | 5,825 |
| Net loans and leases to total assets | 52.0543% | 5,579 |
| Net loans and leases to deposits | 58.9620% | 5,831 |
| Net loans and leases to core deposits | 58.9620% | 6,184 |
| Total domestic deposits to total assets | 88.2844% | 2,200 |
| Equity capital to assets | 10.3866% | 3,301 |
| Core capital (leverage) ratio | 9.9576% | 3,192 |
| Tier 1 risk-based capital ratio | 16.8315% | 2,539 |
| Total risk-based capital ratio | 17.9979% | 2,538 |
| Memoranda: | ||
| Average total assets | $39,278,000 | 6,858 |
| Average earning assets | $36,669,000 | 6,821 |
| Average equity | $4,102,500 | 6,847 |
| Average total loans | $22,208,000 | 6,724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5391% | 2,127 |
| Cost of funding earning assets | 1.0656% | 5,339 |
| Net interest margin | 4.4736% | 1,291 |
| Noninterest income to average assets | 0.5384% | 3,898 |
| Noninterest expense to average assets | 3.0564% | 3,639 |
| Loan and lease loss provision to assets | 0.1550% | 5,653 |
| Net operating income to assets | 1.3949% | 960 |
| Return on assets (ROA) | 1.3949% | 1,034 |
| Pretax return on assets | 1.4711% | 1,449 |
| Return on Equity (ROE) | 13.1646% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.1646% | 202 |
| Net charge-offs to loans | 0.6876% | 2,944 |
| Credit loss provision to net charge-offs | 35.8491% | 6,438 |
| Earnings coverage of net charge-offs (x) | 3.7610% | 3,204 |
| Efficiency ratio | 65.2729% | 5,117 |
| Assets per employee ($millions) | 3.0041% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,699 |
| Loan loss allowance to noncurrent loans | 169.5652% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 6,239 |
| Noncurrent loans to loans | 0.6831% | 5,679 |
| Net loans and leases to total assets | 59.6548% | 4,735 |
| Net loans and leases to deposits | 70.6912% | 4,730 |
| Net loans and leases to core deposits | 70.6912% | 5,373 |
| Total domestic deposits to total assets | 84.3879% | 4,182 |
| Equity capital to assets | 10.5037% | 3,149 |
| Core capital (leverage) ratio | 10.5198% | 2,537 |
| Tier 1 risk-based capital ratio | 15.3736% | 3,056 |
| Total risk-based capital ratio | 16.4028% | 3,113 |
| Memoranda: | ||
| Average total assets | $36,775,800 | 6,982 |
| Average earning assets | $34,066,800 | 6,945 |
| Average equity | $3,896,800 | 7,030 |
| Average total loans | $23,122,800 | 6,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 1,925 |
| Cost of funding earning assets | 1.1163% | 5,339 |
| Net interest margin | 4.5208% | 1,212 |
| Noninterest income to average assets | 0.5229% | 4,003 |
| Noninterest expense to average assets | 3.0344% | 3,628 |
| Loan and lease loss provision to assets | 0.1547% | 5,493 |
| Net operating income to assets | 1.4435% | 1,032 |
| Return on assets (ROA) | 1.4435% | 1,106 |
| Pretax return on assets | 1.5245% | 1,548 |
| Return on Equity (ROE) | 13.5912% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.5912% | 299 |
| Net charge-offs to loans | 0.8923% | 2,213 |
| Credit loss provision to net charge-offs | 27.2727% | 6,181 |
| Earnings coverage of net charge-offs (x) | 2.9610% | 3,647 |
| Efficiency ratio | 64.3750% | 5,180 |
| Assets per employee ($millions) | 2.7902% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,558 |
| Loan loss allowance to noncurrent loans | 121.7593% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 5,447 |
| Noncurrent loans to loans | 0.9741% | 5,286 |
| Net loans and leases to total assets | 60.4102% | 4,832 |
| Net loans and leases to deposits | 69.4847% | 5,218 |
| Net loans and leases to core deposits | 69.4847% | 5,802 |
| Total domestic deposits to total assets | 86.9403% | 2,566 |
| Equity capital to assets | 11.3559% | 2,656 |
| Core capital (leverage) ratio | 10.5717% | 2,618 |
| Tier 1 risk-based capital ratio | 16.0073% | 2,761 |
| Total risk-based capital ratio | 17.0712% | 2,800 |
| Memoranda: | ||
| Average total assets | $36,206,500 | 7,086 |
| Average earning assets | $33,562,750 | 7,041 |
| Average equity | $3,845,500 | 7,135 |
| Average total loans | $23,011,000 | 6,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 1,975 |
| Cost of funding earning assets | 1.1272% | 5,540 |
| Net interest margin | 4.5147% | 1,173 |
| Noninterest income to average assets | 0.5417% | 3,774 |
| Noninterest expense to average assets | 3.0344% | 3,576 |
| Loan and lease loss provision to assets | 0.1492% | 5,407 |
| Net operating income to assets | 1.4647% | 968 |
| Return on assets (ROA) | 1.4647% | 1,030 |
| Pretax return on assets | 1.5421% | 1,453 |
| Return on Equity (ROE) | 14.1170% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.1170% | 303 |
| Net charge-offs to loans | 1.3396% | 1,415 |
| Credit loss provision to net charge-offs | 17.3077% | 5,880 |
| Earnings coverage of net charge-offs (x) | 1.9615% | 4,051 |
| Efficiency ratio | 64.2105% | 5,297 |
| Assets per employee ($millions) | 2.7858% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 5,979 |
| Loan loss allowance to noncurrent loans | 87.2340% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 5,133 |
| Noncurrent loans to loans | 1.2524% | 4,876 |
| Net loans and leases to total assets | 61.4922% | 4,781 |
| Net loans and leases to deposits | 70.2945% | 5,231 |
| Net loans and leases to core deposits | 70.8671% | 5,788 |
| Total domestic deposits to total assets | 87.4779% | 2,264 |
| Equity capital to assets | 10.8985% | 2,969 |
| Core capital (leverage) ratio | 10.4615% | 2,657 |
| Tier 1 risk-based capital ratio | 15.3221% | 2,992 |
| Total risk-based capital ratio | 16.3065% | 3,094 |
| Memoranda: | ||
| Average total assets | $36,184,670 | 7,137 |
| Average earning assets | $33,535,000 | 7,092 |
| Average equity | $3,754,330 | 7,194 |
| Average total loans | $23,289,670 | 6,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 1,903 |
| Cost of funding earning assets | 1.1119% | 5,842 |
| Net interest margin | 4.5540% | 1,039 |
| Noninterest income to average assets | 0.5198% | 3,894 |
| Noninterest expense to average assets | 3.0634% | 3,421 |
| Loan and lease loss provision to assets | 0.1327% | 5,242 |
| Net operating income to assets | 1.5041% | 887 |
| Return on assets (ROA) | 1.5041% | 956 |
| Pretax return on assets | 1.5815% | 1,308 |
| Return on Equity (ROE) | 14.8715% | 902 |
| Retained earnings to average equity (ytd only) | 14.8715% | 425 |
| Net charge-offs to loans | 1.9091% | 907 |
| Credit loss provision to net charge-offs | 10.6195% | 5,037 |
| Earnings coverage of net charge-offs (x) | 1.3717% | 3,924 |
| Efficiency ratio | 64.1204% | 5,471 |
| Assets per employee ($millions) | 2.5285% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,507 |
| Loan loss allowance to noncurrent loans | 101.8587% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 5,074 |
| Noncurrent loans to loans | 1.1772% | 5,009 |
| Net loans and leases to total assets | 63.7758% | 4,379 |
| Net loans and leases to deposits | 72.5846% | 4,976 |
| Net loans and leases to core deposits | 73.1870% | 5,593 |
| Total domestic deposits to total assets | 87.8641% | 2,134 |
| Equity capital to assets | 10.5737% | 3,174 |
| Core capital (leverage) ratio | 10.0881% | 3,057 |
| Tier 1 risk-based capital ratio | 14.7451% | 3,231 |
| Total risk-based capital ratio | 15.8371% | 3,293 |
| Memoranda: | ||
| Average total assets | $36,169,000 | 7,225 |
| Average earning assets | $33,816,500 | 7,168 |
| Average equity | $3,658,000 | 7,299 |
| Average total loans | $23,676,500 | 6,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1277% | 1,444 |
| Cost of funding earning assets | 1.3090% | 6,276 |
| Net interest margin | 4.8187% | 666 |
| Noninterest income to average assets | 0.5839% | 3,755 |
| Noninterest expense to average assets | 3.4451% | 2,540 |
| Loan and lease loss provision to assets | 0.0701% | 6,876 |
| Net operating income to assets | 1.4423% | 781 |
| Return on assets (ROA) | 1.4423% | 836 |
| Pretax return on assets | 1.5182% | 1,138 |
| Return on Equity (ROE) | 14.6527% | 703 |
| Retained earnings to average equity (ytd only) | 14.6527% | 100 |
| Net charge-offs to loans | 0.1393% | 5,825 |
| Credit loss provision to net charge-offs | 72.7273% | 6,437 |
| Earnings coverage of net charge-offs (x) | 16.4848% | 1,250 |
| Efficiency ratio | 68.4455% | 4,935 |
| Assets per employee ($millions) | 2.6385% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,570 |
| Loan loss allowance to noncurrent loans | 159.5745% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 5,767 |
| Noncurrent loans to loans | 0.9591% | 5,393 |
| Net loans and leases to total assets | 65.3185% | 4,320 |
| Net loans and leases to deposits | 75.4920% | 4,820 |
| Net loans and leases to core deposits | 82.4748% | 5,877 |
| Total domestic deposits to total assets | 86.5237% | 2,749 |
| Equity capital to assets | 9.6727% | 4,182 |
| Core capital (leverage) ratio | 9.5578% | 3,652 |
| Tier 1 risk-based capital ratio | 13.3975% | 3,885 |
| Total risk-based capital ratio | 14.6493% | 3,828 |
| Memoranda: | ||
| Average total assets | $34,251,600 | 7,310 |
| Average earning assets | $31,627,000 | 7,282 |
| Average equity | $3,371,400 | 7,481 |
| Average total loans | $23,696,000 | 6,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2646% | 1,209 |
| Cost of funding earning assets | 1.3557% | 6,379 |
| Net interest margin | 4.9089% | 545 |
| Noninterest income to average assets | 0.5519% | 4,061 |
| Noninterest expense to average assets | 3.3909% | 2,607 |
| Loan and lease loss provision to assets | 0.0715% | 6,643 |
| Net operating income to assets | 1.5207% | 778 |
| Return on assets (ROA) | 1.5207% | 829 |
| Pretax return on assets | 1.6041% | 1,169 |
| Return on Equity (ROE) | 15.3764% | 722 |
| Retained earnings to average equity (ytd only) | 15.3764% | 145 |
| Net charge-offs to loans | 0.0227% | 6,574 |
| Credit loss provision to net charge-offs | 450.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 105.5629% | 346 |
| Efficiency ratio | 66.9279% | 5,202 |
| Assets per employee ($millions) | 2.4957% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,864 |
| Loan loss allowance to noncurrent loans | 111.4846% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 5,031 |
| Noncurrent loans to loans | 1.4659% | 4,487 |
| Net loans and leases to total assets | 68.5604% | 3,835 |
| Net loans and leases to deposits | 77.7432% | 4,772 |
| Net loans and leases to core deposits | 85.2704% | 5,944 |
| Total domestic deposits to total assets | 88.1883% | 1,571 |
| Equity capital to assets | 10.0716% | 3,999 |
| Core capital (leverage) ratio | 9.8553% | 3,449 |
| Tier 1 risk-based capital ratio | 13.2594% | 4,014 |
| Total risk-based capital ratio | 14.5112% | 3,960 |
| Memoranda: | ||
| Average total assets | $33,579,750 | 7,398 |
| Average earning assets | $30,882,000 | 7,375 |
| Average equity | $3,321,000 | 7,564 |
| Average total loans | $23,494,250 | 7,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2682% | 1,288 |
| Cost of funding earning assets | 1.3704% | 6,582 |
| Net interest margin | 4.8979% | 543 |
| Noninterest income to average assets | 0.5675% | 3,912 |
| Noninterest expense to average assets | 3.4233% | 2,560 |
| Loan and lease loss provision to assets | 0.0724% | 6,472 |
| Net operating income to assets | 1.4973% | 842 |
| Return on assets (ROA) | 1.4973% | 902 |
| Pretax return on assets | 1.5818% | 1,244 |
| Return on Equity (ROE) | 15.2381% | 794 |
| Retained earnings to average equity (ytd only) | 15.2381% | 196 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4197% | 5,271 |
| Assets per employee ($millions) | 2.4602% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 2,203 |
| Loan loss allowance to noncurrent loans | 100.5076% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1439% | 4,659 |
| Noncurrent loans to loans | 1.7355% | 3,908 |
| Net loans and leases to total assets | 64.7621% | 4,822 |
| Net loans and leases to deposits | 72.8526% | 5,623 |
| Net loans and leases to core deposits | 79.3497% | 6,456 |
| Total domestic deposits to total assets | 88.8947% | 1,319 |
| Equity capital to assets | 9.7669% | 4,264 |
| Core capital (leverage) ratio | 9.9157% | 3,385 |
| Tier 1 risk-based capital ratio | 13.5235% | 3,803 |
| Total risk-based capital ratio | 14.7789% | 3,734 |
| Memoranda: | ||
| Average total assets | $33,126,330 | 7,479 |
| Average earning assets | $30,503,000 | 7,454 |
| Average equity | $3,255,000 | 7,646 |
| Average total loans | $23,208,000 | 7,136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4484% | 959 |
| Cost of funding earning assets | 1.4625% | 6,530 |
| Net interest margin | 4.9859% | 414 |
| Noninterest income to average assets | 0.5298% | 4,063 |
| Noninterest expense to average assets | 3.4003% | 2,357 |
| Loan and lease loss provision to assets | 0.0739% | 6,033 |
| Net operating income to assets | 1.5769% | 814 |
| Return on assets (ROA) | 1.5769% | 895 |
| Pretax return on assets | 1.6755% | 1,230 |
| Return on Equity (ROE) | 15.9975% | 825 |
| Retained earnings to average equity (ytd only) | 15.9975% | 339 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0287% | 5,325 |
| Assets per employee ($millions) | 2.2535% | 7,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 1,991 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 5,027 |
| Noncurrent loans to loans | 1.2224% | 4,527 |
| Net loans and leases to total assets | 69.5553% | 3,788 |
| Net loans and leases to deposits | 78.0148% | 4,920 |
| Net loans and leases to core deposits | 84.9062% | 5,986 |
| Total domestic deposits to total assets | 89.1566% | 1,167 |
| Equity capital to assets | 10.3395% | 3,616 |
| Core capital (leverage) ratio | 9.7003% | 3,757 |
| Tier 1 risk-based capital ratio | 13.5531% | 3,831 |
| Total risk-based capital ratio | 14.8076% | 3,755 |
| Memoranda: | ||
| Average total assets | $32,468,000 | 7,548 |
| Average earning assets | $30,085,000 | 7,511 |
| Average equity | $3,200,500 | 7,718 |
| Average total loans | $23,461,000 | 7,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8963% | 1,409 |
| Cost of funding earning assets | 2.1240% | 5,955 |
| Net interest margin | 4.7724% | 829 |
| Noninterest income to average assets | 0.6559% | 3,428 |
| Noninterest expense to average assets | 3.1162% | 3,639 |
| Loan and lease loss provision to assets | 0.0712% | 6,507 |
| Net operating income to assets | 0.9378% | 2,842 |
| Return on assets (ROA) | 0.9378% | 2,699 |
| Pretax return on assets | 1.8163% | 911 |
| Return on Equity (ROE) | 8.7105% | 2,751 |
| Retained earnings to average equity (ytd only) | 4.5758% | 2,279 |
| Net charge-offs to loans | 0.0255% | 6,486 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 408 |
| Efficiency ratio | 62.2776% | 5,898 |
| Assets per employee ($millions) | 2.3848% | 7,426 |
| Cash dividends to net income (ytd only)* | 47.4684% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 2,387 |
| Loan loss allowance to noncurrent loans | 68.2060% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 2,883 |
| Noncurrent loans to loans | 2.2897% | 2,415 |
| Net loans and leases to total assets | 72.4953% | 3,485 |
| Net loans and leases to deposits | 82.3097% | 4,680 |
| Net loans and leases to core deposits | 92.4628% | 5,597 |
| Total domestic deposits to total assets | 88.0762% | 1,440 |
| Equity capital to assets | 9.4019% | 4,818 |
| Core capital (leverage) ratio | 9.2004% | 4,438 |
| Tier 1 risk-based capital ratio | 11.8634% | 4,930 |
| Total risk-based capital ratio | 13.1154% | 4,826 |
| Memoranda: | ||
| Average total assets | $33,694,400 | 7,479 |
| Average earning assets | $30,697,400 | 7,480 |
| Average equity | $3,627,800 | 7,639 |
| Average total loans | $23,517,400 | 7,105 |