Home > Security First Bank > Performance and Condition Ratios
Security First 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 | 4.3726% | 3,326 |
| Cost of funding earning assets | 0.4004% | 4,481 |
| Net interest margin | 3.9723% | 1,939 |
| Noninterest income to average assets | 0.6837% | 1,670 |
| Noninterest expense to average assets | 3.0072% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3559% | 1,507 |
| Return on assets (ROA) | 1.3327% | 1,623 |
| Pretax return on assets | 1.3327% | 2,319 |
| Return on Equity (ROE) | 13.0989% | 1,180 |
| Retained earnings to average equity (ytd only) | 1.7085% | 4,134 |
| Net charge-offs to loans | -0.0099% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9243% | 2,511 |
| Assets per employee ($millions) | 3.4665% | 4,592 |
| Cash dividends to net income (ytd only)* | 86.9565% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0981% | 122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,429 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 55.6275% | 4,092 |
| Net loans and leases to deposits | 62.0521% | 4,299 |
| Net loans and leases to core deposits | 66.5264% | 4,257 |
| Total domestic deposits to total assets | 89.6465% | 579 |
| Equity capital to assets | 10.2093% | 3,610 |
| Core capital (leverage) ratio | 10.3766% | 3,190 |
| Tier 1 risk-based capital ratio | 11.6065% | 4,684 |
| Total risk-based capital ratio | 12.8654% | 4,561 |
| Memoranda: | ||
| Average total assets | $69,033,500 | 4,586 |
| Average earning assets | $63,943,000 | 4,581 |
| Average equity | $7,023,500 | 4,751 |
| Average total loans | $40,343,000 | 4,527 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 3,619 |
| Cost of funding earning assets | 0.3212% | 4,457 |
| Net interest margin | 3.8187% | 2,598 |
| Noninterest income to average assets | 0.7130% | 1,799 |
| Noninterest expense to average assets | 2.8719% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3605% | 1,568 |
| Return on assets (ROA) | 1.3705% | 1,517 |
| Pretax return on assets | 1.3705% | 2,234 |
| Return on Equity (ROE) | 13.8997% | 1,069 |
| Retained earnings to average equity (ytd only) | 0.9093% | 4,733 |
| Net charge-offs to loans | 0.0102% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 392 |
| Efficiency ratio | 67.8547% | 2,570 |
| Assets per employee ($millions) | 3.4369% | 4,624 |
| Cash dividends to net income (ytd only)* | 93.4579% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0156% | 129 |
| Loan loss allowance to noncurrent loans | 123,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,420 |
| Noncurrent loans to loans | 0.0024% | 4,820 |
| Net loans and leases to total assets | 57.6886% | 3,998 |
| Net loans and leases to deposits | 64.2972% | 4,240 |
| Net loans and leases to core deposits | 69.3082% | 4,145 |
| Total domestic deposits to total assets | 89.7218% | 565 |
| Equity capital to assets | 10.1385% | 3,535 |
| Core capital (leverage) ratio | 10.2514% | 3,303 |
| Tier 1 risk-based capital ratio | 11.9904% | 4,427 |
| Total risk-based capital ratio | 13.2506% | 4,321 |
| Memoranda: | ||
| Average total assets | $70,266,200 | 4,577 |
| Average earning assets | $64,760,000 | 4,578 |
| Average equity | $6,928,200 | 4,758 |
| Average total loans | $39,165,800 | 4,579 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,863 |
| Cost of funding earning assets | 0.3035% | 4,492 |
| Net interest margin | 3.7175% | 2,953 |
| Noninterest income to average assets | 0.7568% | 1,646 |
| Noninterest expense to average assets | 2.9233% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2550% | 2,023 |
| Return on assets (ROA) | 1.2701% | 1,969 |
| Pretax return on assets | 1.2701% | 2,727 |
| Return on Equity (ROE) | 12.9707% | 1,442 |
| Retained earnings to average equity (ytd only) | -0.5204% | 5,096 |
| Net charge-offs to loans | 0.0034% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 666.6466% | 131 |
| Efficiency ratio | 69.9639% | 2,192 |
| Assets per employee ($millions) | 3.3191% | 4,757 |
| Cash dividends to net income (ytd only)* | 104.0120% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3452% | 99 |
| Loan loss allowance to noncurrent loans | 123,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,555 |
| Noncurrent loans to loans | 0.0027% | 4,939 |
| Net loans and leases to total assets | 53.7992% | 4,373 |
| Net loans and leases to deposits | 60.1168% | 4,540 |
| Net loans and leases to core deposits | 64.0753% | 4,507 |
| Total domestic deposits to total assets | 89.4911% | 679 |
| Equity capital to assets | 10.3688% | 3,265 |
| Core capital (leverage) ratio | 10.1466% | 3,472 |
| Tier 1 risk-based capital ratio | 12.5683% | 4,172 |
| Total risk-based capital ratio | 13.8303% | 4,049 |
| Memoranda: | ||
| Average total assets | $70,648,250 | 4,619 |
| Average earning assets | $65,024,000 | 4,625 |
| Average equity | $6,918,000 | 4,809 |
| Average total loans | $38,735,500 | 4,638 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,201 |
| Cost of funding earning assets | 0.2952% | 4,449 |
| Net interest margin | 3.5602% | 3,435 |
| Noninterest income to average assets | 0.7354% | 1,711 |
| Noninterest expense to average assets | 2.7445% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2710% | 1,891 |
| Return on assets (ROA) | 1.2932% | 1,790 |
| Pretax return on assets | 1.2932% | 2,541 |
| Return on Equity (ROE) | 13.4494% | 1,225 |
| Retained earnings to average equity (ytd only) | 1.9049% | 4,492 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3483% | 2,584 |
| Assets per employee ($millions) | 3.3021% | 4,816 |
| Cash dividends to net income (ytd only)* | 85.8369% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3326% | 99 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,618 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.7009% | 4,494 |
| Net loans and leases to deposits | 57.5566% | 4,665 |
| Net loans and leases to core deposits | 60.6233% | 4,672 |
| Total domestic deposits to total assets | 89.8262% | 625 |
| Equity capital to assets | 10.0151% | 3,604 |
| Core capital (leverage) ratio | 10.0654% | 3,509 |
| Tier 1 risk-based capital ratio | 12.5290% | 4,168 |
| Total risk-based capital ratio | 13.7896% | 4,053 |
| Memoranda: | ||
| Average total assets | $72,070,330 | 4,653 |
| Average earning assets | $66,401,670 | 4,651 |
| Average equity | $6,929,670 | 4,856 |
| Average total loans | $39,331,000 | 4,662 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8058% | 4,200 |
| Cost of funding earning assets | 0.2891% | 4,420 |
| Net interest margin | 3.5167% | 3,474 |
| Noninterest income to average assets | 0.6264% | 2,145 |
| Noninterest expense to average assets | 2.7617% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1112% | 2,376 |
| Return on assets (ROA) | 1.1548% | 2,209 |
| Pretax return on assets | 1.1548% | 2,956 |
| Return on Equity (ROE) | 12.2508% | 1,493 |
| Retained earnings to average equity (ytd only) | 0.6934% | 4,688 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3080% | 2,296 |
| Assets per employee ($millions) | 3.5738% | 4,580 |
| Cash dividends to net income (ytd only)* | 94.3396% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0468% | 151 |
| Loan loss allowance to noncurrent loans | 123,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,693 |
| Noncurrent loans to loans | 0.0025% | 5,013 |
| Net loans and leases to total assets | 55.0716% | 4,201 |
| Net loans and leases to deposits | 61.0222% | 4,399 |
| Net loans and leases to core deposits | 66.6345% | 4,274 |
| Total domestic deposits to total assets | 90.2485% | 564 |
| Equity capital to assets | 9.6382% | 3,953 |
| Core capital (leverage) ratio | 9.7129% | 3,829 |
| Tier 1 risk-based capital ratio | 11.7867% | 4,691 |
| Total risk-based capital ratio | 13.0461% | 4,565 |
| Memoranda: | ||
| Average total assets | $73,433,000 | 4,682 |
| Average earning assets | $67,791,500 | 4,682 |
| Average equity | $6,922,000 | 4,905 |
| Average total loans | $40,452,500 | 4,678 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,400 |
| Cost of funding earning assets | 0.2849% | 4,273 |
| Net interest margin | 3.3884% | 3,889 |
| Noninterest income to average assets | 0.6496% | 2,199 |
| Noninterest expense to average assets | 2.4860% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2925% | 1,245 |
| Return on assets (ROA) | 1.2925% | 1,262 |
| Pretax return on assets | 1.2925% | 2,380 |
| Return on Equity (ROE) | 13.7363% | 803 |
| Retained earnings to average equity (ytd only) | 1.4846% | 4,409 |
| Net charge-offs to loans | -0.0923% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7933% | 3,307 |
| Assets per employee ($millions) | 3.7695% | 4,327 |
| Cash dividends to net income (ytd only)* | 89.1920% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0691% | 131 |
| Loan loss allowance to noncurrent loans | 123,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,743 |
| Noncurrent loans to loans | 0.0025% | 5,060 |
| Net loans and leases to total assets | 51.8212% | 4,528 |
| Net loans and leases to deposits | 57.1562% | 4,740 |
| Net loans and leases to core deposits | 63.9945% | 4,531 |
| Total domestic deposits to total assets | 90.6659% | 346 |
| Equity capital to assets | 9.2254% | 4,502 |
| Core capital (leverage) ratio | 9.4993% | 4,054 |
| Tier 1 risk-based capital ratio | 12.6139% | 4,138 |
| Total risk-based capital ratio | 13.8749% | 4,021 |
| Memoranda: | ||
| Average total assets | $73,732,800 | 4,711 |
| Average earning assets | $68,084,800 | 4,702 |
| Average equity | $6,937,800 | 4,947 |
| Average total loans | $38,990,200 | 4,758 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,452 |
| Cost of funding earning assets | 0.2794% | 4,320 |
| Net interest margin | 3.3671% | 3,963 |
| Noninterest income to average assets | 0.6710% | 2,120 |
| Noninterest expense to average assets | 2.5896% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1929% | 1,725 |
| Return on assets (ROA) | 1.1929% | 1,757 |
| Pretax return on assets | 1.1929% | 2,938 |
| Return on Equity (ROE) | 12.6147% | 1,143 |
| Retained earnings to average equity (ytd only) | 2.9998% | 4,121 |
| Net charge-offs to loans | -0.1207% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4615% | 2,791 |
| Assets per employee ($millions) | 3.5426% | 4,663 |
| Cash dividends to net income (ytd only)* | 76.2199% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1672% | 134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,868 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.7951% | 4,655 |
| Net loans and leases to deposits | 56.1935% | 4,864 |
| Net loans and leases to core deposits | 65.6789% | 4,504 |
| Total domestic deposits to total assets | 90.3932% | 350 |
| Equity capital to assets | 9.4778% | 4,465 |
| Core capital (leverage) ratio | 9.8374% | 3,774 |
| Tier 1 risk-based capital ratio | 13.2336% | 3,858 |
| Total risk-based capital ratio | 14.4957% | 3,768 |
| Memoranda: | ||
| Average total assets | $73,318,500 | 4,769 |
| Average earning assets | $67,753,000 | 4,755 |
| Average equity | $6,933,500 | 5,006 |
| Average total loans | $38,661,500 | 4,820 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,518 |
| Cost of funding earning assets | 0.2852% | 4,233 |
| Net interest margin | 3.3123% | 4,067 |
| Noninterest income to average assets | 0.6579% | 2,176 |
| Noninterest expense to average assets | 2.5274% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1870% | 1,639 |
| Return on assets (ROA) | 1.1870% | 1,672 |
| Pretax return on assets | 1.1870% | 2,816 |
| Return on Equity (ROE) | 12.5610% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.4078% | 4,242 |
| Net charge-offs to loans | 0.0156% | 2,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 144.3333% | 516 |
| Efficiency ratio | 68.0443% | 3,005 |
| Assets per employee ($millions) | 3.3883% | 4,875 |
| Cash dividends to net income (ytd only)* | 80.8314% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1252% | 141 |
| Loan loss allowance to noncurrent loans | 849.6454% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,012 |
| Noncurrent loans to loans | 0.3678% | 3,710 |
| Net loans and leases to total assets | 52.1910% | 4,553 |
| Net loans and leases to deposits | 57.9833% | 4,750 |
| Net loans and leases to core deposits | 70.9460% | 4,168 |
| Total domestic deposits to total assets | 90.0104% | 532 |
| Equity capital to assets | 9.7633% | 4,163 |
| Core capital (leverage) ratio | 9.4513% | 4,178 |
| Tier 1 risk-based capital ratio | 12.6623% | 4,202 |
| Total risk-based capital ratio | 13.9239% | 4,112 |
| Memoranda: | ||
| Average total assets | $72,959,670 | 4,803 |
| Average earning assets | $67,325,000 | 4,794 |
| Average equity | $6,894,330 | 5,039 |
| Average total loans | $38,540,330 | 4,857 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 4,798 |
| Cost of funding earning assets | 0.2752% | 4,297 |
| Net interest margin | 3.1858% | 4,386 |
| Noninterest income to average assets | 0.6661% | 2,116 |
| Noninterest expense to average assets | 2.7131% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8990% | 2,766 |
| Return on assets (ROA) | 0.8990% | 2,818 |
| Pretax return on assets | 0.8990% | 3,775 |
| Return on Equity (ROE) | 9.6680% | 2,112 |
| Retained earnings to average equity (ytd only) | 0.9319% | 4,685 |
| Net charge-offs to loans | 0.0207% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 637 |
| Efficiency ratio | 75.1124% | 2,051 |
| Assets per employee ($millions) | 3.4090% | 4,919 |
| Cash dividends to net income (ytd only)* | 90.3614% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1478% | 153 |
| Loan loss allowance to noncurrent loans | 850.3546% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 4,155 |
| Noncurrent loans to loans | 0.3702% | 3,768 |
| Net loans and leases to total assets | 49.1893% | 4,736 |
| Net loans and leases to deposits | 54.2754% | 4,918 |
| Net loans and leases to core deposits | 66.1378% | 4,418 |
| Total domestic deposits to total assets | 90.6291% | 419 |
| Equity capital to assets | 9.1669% | 4,649 |
| Core capital (leverage) ratio | 9.4288% | 4,202 |
| Tier 1 risk-based capital ratio | 12.7442% | 4,230 |
| Total risk-based capital ratio | 14.0061% | 4,123 |
| Memoranda: | ||
| Average total assets | $73,862,500 | 4,834 |
| Average earning assets | $68,302,500 | 4,823 |
| Average equity | $6,868,000 | 5,092 |
| Average total loans | $38,643,500 | 4,899 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,374 |
| Cost of funding earning assets | 0.3130% | 3,916 |
| Net interest margin | 3.3356% | 4,041 |
| Noninterest income to average assets | 0.6511% | 2,413 |
| Noninterest expense to average assets | 2.6423% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0749% | 2,014 |
| Return on assets (ROA) | 1.0749% | 2,114 |
| Pretax return on assets | 1.0749% | 3,196 |
| Return on Equity (ROE) | 11.2601% | 1,486 |
| Retained earnings to average equity (ytd only) | 1.7052% | 4,559 |
| Net charge-offs to loans | -0.2068% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0834% | 2,729 |
| Assets per employee ($millions) | 3.4632% | 4,816 |
| Cash dividends to net income (ytd only)* | 84.8564% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0640% | 165 |
| Loan loss allowance to noncurrent loans | 839.8601% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,184 |
| Noncurrent loans to loans | 0.3648% | 3,817 |
| Net loans and leases to total assets | 52.2447% | 4,586 |
| Net loans and leases to deposits | 57.7464% | 4,811 |
| Net loans and leases to core deposits | 69.5019% | 4,287 |
| Total domestic deposits to total assets | 90.4726% | 456 |
| Equity capital to assets | 9.4339% | 4,346 |
| Core capital (leverage) ratio | 9.4439% | 4,165 |
| Tier 1 risk-based capital ratio | 12.7247% | 4,261 |
| Total risk-based capital ratio | 13.9873% | 4,135 |
| Memoranda: | ||
| Average total assets | $71,264,200 | 4,903 |
| Average earning assets | $65,504,600 | 4,906 |
| Average equity | $6,802,800 | 5,136 |
| Average total loans | $38,687,600 | 4,922 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 4,493 |
| Cost of funding earning assets | 0.3196% | 3,872 |
| Net interest margin | 3.3001% | 4,188 |
| Noninterest income to average assets | 0.6845% | 2,242 |
| Noninterest expense to average assets | 2.7156% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9986% | 2,439 |
| Return on assets (ROA) | 0.9986% | 2,578 |
| Pretax return on assets | 0.9986% | 3,638 |
| Return on Equity (ROE) | 10.4295% | 1,898 |
| Retained earnings to average equity (ytd only) | 1.5910% | 4,875 |
| Net charge-offs to loans | -0.2732% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1139% | 2,418 |
| Assets per employee ($millions) | 3.3716% | 4,953 |
| Cash dividends to net income (ytd only)* | 84.7467% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1861% | 151 |
| Loan loss allowance to noncurrent loans | 291.9708% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,916 |
| Noncurrent loans to loans | 1.0912% | 2,076 |
| Net loans and leases to total assets | 51.4999% | 4,691 |
| Net loans and leases to deposits | 57.1232% | 4,926 |
| Net loans and leases to core deposits | 70.1838% | 4,312 |
| Total domestic deposits to total assets | 90.1559% | 428 |
| Equity capital to assets | 9.7085% | 4,458 |
| Core capital (leverage) ratio | 9.5942% | 4,065 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,180 |
| Total risk-based capital ratio | 14.2377% | 4,084 |
| Memoranda: | ||
| Average total assets | $70,898,500 | 4,956 |
| Average earning assets | $65,087,500 | 4,956 |
| Average equity | $6,788,250 | 5,181 |
| Average total loans | $38,560,250 | 4,975 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 4,690 |
| Cost of funding earning assets | 0.3232% | 3,868 |
| Net interest margin | 3.2439% | 4,400 |
| Noninterest income to average assets | 0.6993% | 2,146 |
| Noninterest expense to average assets | 2.7492% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9220% | 2,758 |
| Return on assets (ROA) | 0.9220% | 2,894 |
| Pretax return on assets | 0.9220% | 3,868 |
| Return on Equity (ROE) | 9.6750% | 2,190 |
| Retained earnings to average equity (ytd only) | 2.2782% | 4,426 |
| Net charge-offs to loans | -0.4117% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8848% | 2,233 |
| Assets per employee ($millions) | 3.0897% | 5,333 |
| Cash dividends to net income (ytd only)* | 76.4526% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2210% | 156 |
| Loan loss allowance to noncurrent loans | 839.8601% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,362 |
| Noncurrent loans to loans | 0.3835% | 3,985 |
| Net loans and leases to total assets | 50.7810% | 4,783 |
| Net loans and leases to deposits | 56.3404% | 4,989 |
| Net loans and leases to core deposits | 68.3292% | 4,449 |
| Total domestic deposits to total assets | 90.1326% | 436 |
| Equity capital to assets | 9.6507% | 4,614 |
| Core capital (leverage) ratio | 9.6582% | 3,988 |
| Tier 1 risk-based capital ratio | 12.9827% | 4,211 |
| Total risk-based capital ratio | 14.2451% | 4,115 |
| Memoranda: | ||
| Average total assets | $70,930,000 | 5,006 |
| Average earning assets | $64,982,670 | 5,007 |
| Average equity | $6,759,670 | 5,235 |
| Average total loans | $38,859,000 | 5,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,756 |
| Cost of funding earning assets | 0.3202% | 3,944 |
| Net interest margin | 3.2325% | 4,462 |
| Noninterest income to average assets | 0.5814% | 2,634 |
| Noninterest expense to average assets | 2.8844% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6604% | 3,930 |
| Return on assets (ROA) | 0.6604% | 4,050 |
| Pretax return on assets | 0.6604% | 4,648 |
| Return on Equity (ROE) | 6.9741% | 3,471 |
| Retained earnings to average equity (ytd only) | 1.0133% | 4,834 |
| Net charge-offs to loans | -0.7971% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3694% | 1,444 |
| Assets per employee ($millions) | 3.2758% | 5,166 |
| Cash dividends to net income (ytd only)* | 85.4701% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9833% | 227 |
| Loan loss allowance to noncurrent loans | 60,000.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,722 |
| Noncurrent loans to loans | 0.0050% | 5,508 |
| Net loans and leases to total assets | 54.1489% | 4,436 |
| Net loans and leases to deposits | 59.8849% | 4,726 |
| Net loans and leases to core deposits | 72.5488% | 4,026 |
| Total domestic deposits to total assets | 90.4215% | 453 |
| Equity capital to assets | 9.3675% | 4,818 |
| Core capital (leverage) ratio | 9.7116% | 3,895 |
| Tier 1 risk-based capital ratio | 12.4607% | 4,608 |
| Total risk-based capital ratio | 13.7222% | 4,508 |
| Memoranda: | ||
| Average total assets | $70,864,000 | 5,052 |
| Average earning assets | $64,964,500 | 5,051 |
| Average equity | $6,710,500 | 5,284 |
| Average total loans | $39,645,000 | 5,019 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,305 |
| Cost of funding earning assets | 0.3333% | 3,870 |
| Net interest margin | 3.3882% | 3,954 |
| Noninterest income to average assets | 0.6442% | 2,497 |
| Noninterest expense to average assets | 2.7373% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0022% | 2,351 |
| Return on assets (ROA) | 1.0163% | 2,354 |
| Pretax return on assets | 1.0163% | 3,395 |
| Return on Equity (ROE) | 10.8415% | 1,667 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,690 |
| Net charge-offs to loans | 0.0328% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 54.6923% | 942 |
| Efficiency ratio | 73.2002% | 2,713 |
| Assets per employee ($millions) | 3.1664% | 5,327 |
| Cash dividends to net income (ytd only)* | 83.2178% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 265 |
| Loan loss allowance to noncurrent loans | 56,050.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,272 |
| Noncurrent loans to loans | 0.0051% | 5,534 |
| Net loans and leases to total assets | 54.4717% | 4,460 |
| Net loans and leases to deposits | 60.3192% | 4,752 |
| Net loans and leases to core deposits | 71.5984% | 4,167 |
| Total domestic deposits to total assets | 90.3058% | 500 |
| Equity capital to assets | 9.5751% | 4,468 |
| Core capital (leverage) ratio | 9.6231% | 4,015 |
| Tier 1 risk-based capital ratio | 12.8312% | 4,432 |
| Total risk-based capital ratio | 14.0914% | 4,323 |
| Memoranda: | ||
| Average total assets | $70,945,400 | 5,070 |
| Average earning assets | $64,812,400 | 5,067 |
| Average equity | $6,650,400 | 5,312 |
| Average total loans | $39,588,800 | 5,030 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,631 |
| Cost of funding earning assets | 0.3317% | 3,968 |
| Net interest margin | 3.3028% | 4,329 |
| Noninterest income to average assets | 0.6398% | 2,527 |
| Noninterest expense to average assets | 2.7090% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9485% | 2,718 |
| Return on assets (ROA) | 0.9579% | 2,770 |
| Pretax return on assets | 0.9579% | 3,786 |
| Return on Equity (ROE) | 10.2724% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.2471% | 4,757 |
| Net charge-offs to loans | 0.0336% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 50.7112% | 1,037 |
| Efficiency ratio | 74.0665% | 2,541 |
| Assets per employee ($millions) | 3.1748% | 5,334 |
| Cash dividends to net income (ytd only)* | 78.1250% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8742% | 280 |
| Loan loss allowance to noncurrent loans | 37,466.6667% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 5,389 |
| Noncurrent loans to loans | 0.0077% | 5,619 |
| Net loans and leases to total assets | 54.3818% | 4,525 |
| Net loans and leases to deposits | 60.2083% | 4,841 |
| Net loans and leases to core deposits | 71.0826% | 4,272 |
| Total domestic deposits to total assets | 90.3229% | 455 |
| Equity capital to assets | 9.5841% | 4,655 |
| Core capital (leverage) ratio | 9.4050% | 4,434 |
| Tier 1 risk-based capital ratio | 12.5030% | 4,756 |
| Total risk-based capital ratio | 13.7627% | 4,648 |
| Memoranda: | ||
| Average total assets | $71,266,750 | 5,121 |
| Average earning assets | $65,115,000 | 5,120 |
| Average equity | $6,645,500 | 5,379 |
| Average total loans | $39,719,500 | 5,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,796 |
| Cost of funding earning assets | 0.3302% | 4,048 |
| Net interest margin | 3.2434% | 4,521 |
| Noninterest income to average assets | 0.6022% | 2,727 |
| Noninterest expense to average assets | 2.6596% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9005% | 2,875 |
| Return on assets (ROA) | 0.9005% | 2,995 |
| Pretax return on assets | 0.9005% | 3,953 |
| Return on Equity (ROE) | 9.7446% | 2,187 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,662 |
| Net charge-offs to loans | 0.0100% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 408 |
| Efficiency ratio | 74.7063% | 2,573 |
| Assets per employee ($millions) | 3.2596% | 5,228 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8493% | 317 |
| Loan loss allowance to noncurrent loans | 10,290.9091% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 5,370 |
| Noncurrent loans to loans | 0.0277% | 5,649 |
| Net loans and leases to total assets | 53.8222% | 4,574 |
| Net loans and leases to deposits | 59.4367% | 4,898 |
| Net loans and leases to core deposits | 69.8917% | 4,333 |
| Total domestic deposits to total assets | 90.5539% | 438 |
| Equity capital to assets | 9.3178% | 4,878 |
| Core capital (leverage) ratio | 9.1178% | 4,796 |
| Tier 1 risk-based capital ratio | 14.1886% | 3,822 |
| Total risk-based capital ratio | 15.4528% | 3,740 |
| Memoranda: | ||
| Average total assets | $71,740,670 | 5,162 |
| Average earning assets | $65,424,330 | 5,166 |
| Average equity | $6,629,330 | 5,427 |
| Average total loans | $39,923,670 | 5,108 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 4,823 |
| Cost of funding earning assets | 0.3318% | 4,070 |
| Net interest margin | 3.2192% | 4,534 |
| Noninterest income to average assets | 0.5575% | 2,909 |
| Noninterest expense to average assets | 2.5754% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9031% | 2,731 |
| Return on assets (ROA) | 0.9031% | 2,855 |
| Pretax return on assets | 0.9031% | 3,879 |
| Return on Equity (ROE) | 9.8137% | 2,089 |
| Retained earnings to average equity (ytd only) | 3.7559% | 3,751 |
| Net charge-offs to loans | 0.0200% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 586 |
| Efficiency ratio | 74.0385% | 2,809 |
| Assets per employee ($millions) | 3.5118% | 4,879 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8608% | 339 |
| Loan loss allowance to noncurrent loans | 9,433.3333% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,469 |
| Noncurrent loans to loans | 0.0303% | 5,677 |
| Net loans and leases to total assets | 52.1207% | 4,650 |
| Net loans and leases to deposits | 57.3590% | 4,960 |
| Net loans and leases to core deposits | 67.4375% | 4,390 |
| Total domestic deposits to total assets | 90.8675% | 410 |
| Equity capital to assets | 9.0091% | 5,278 |
| Core capital (leverage) ratio | 9.4954% | 4,282 |
| Tier 1 risk-based capital ratio | 13.1336% | 4,541 |
| Total risk-based capital ratio | 14.3944% | 4,445 |
| Memoranda: | ||
| Average total assets | $71,755,000 | 5,205 |
| Average earning assets | $65,109,000 | 5,230 |
| Average equity | $6,603,000 | 5,481 |
| Average total loans | $40,021,000 | 5,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,068 |
| Cost of funding earning assets | 0.4075% | 3,610 |
| Net interest margin | 3.5081% | 3,758 |
| Noninterest income to average assets | 0.7223% | 2,203 |
| Noninterest expense to average assets | 2.9512% | 2,996 |
| Loan and lease loss provision to assets | 0.0151% | 4,307 |
| Net operating income to assets | 0.9172% | 2,790 |
| Return on assets (ROA) | 0.9248% | 2,848 |
| Pretax return on assets | 0.9248% | 3,802 |
| Return on Equity (ROE) | 9.4232% | 2,377 |
| Retained earnings to average equity (ytd only) | 1.7245% | 4,958 |
| Net charge-offs to loans | 0.0741% | 3,427 |
| Credit loss provision to net charge-offs | 33.3333% | 3,784 |
| Earnings coverage of net charge-offs (x) | 20.5667% | 1,721 |
| Efficiency ratio | 75.9922% | 2,512 |
| Assets per employee ($millions) | 3.1710% | 5,466 |
| Cash dividends to net income (ytd only)* | 81.6993% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8019% | 374 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,484 |
| Noncurrent loans to loans | 0.0445% | 5,700 |
| Net loans and leases to total assets | 56.3889% | 4,275 |
| Net loans and leases to deposits | 62.3156% | 4,699 |
| Net loans and leases to core deposits | 75.5062% | 3,762 |
| Total domestic deposits to total assets | 90.4891% | 546 |
| Equity capital to assets | 9.4063% | 4,832 |
| Core capital (leverage) ratio | 9.6752% | 4,010 |
| Tier 1 risk-based capital ratio | 12.9704% | 4,744 |
| Total risk-based capital ratio | 14.2332% | 4,649 |
| Memoranda: | ||
| Average total assets | $66,177,400 | 5,386 |
| Average earning assets | $59,634,000 | 5,400 |
| Average equity | $6,494,600 | 5,526 |
| Average total loans | $40,461,000 | 5,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 4,127 |
| Cost of funding earning assets | 0.4148% | 3,631 |
| Net interest margin | 3.4972% | 3,842 |
| Noninterest income to average assets | 0.7475% | 2,106 |
| Noninterest expense to average assets | 3.0452% | 2,657 |
| Loan and lease loss provision to assets | 0.0204% | 3,995 |
| Net operating income to assets | 0.8333% | 3,266 |
| Return on assets (ROA) | 0.8353% | 3,347 |
| Pretax return on assets | 0.8353% | 4,237 |
| Return on Equity (ROE) | 8.4184% | 2,979 |
| Retained earnings to average equity (ytd only) | 2.2435% | 4,937 |
| Net charge-offs to loans | 0.0989% | 2,815 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 13.9330% | 2,180 |
| Efficiency ratio | 78.1037% | 2,167 |
| Assets per employee ($millions) | 3.0950% | 5,602 |
| Cash dividends to net income (ytd only)* | 73.3496% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6481% | 529 |
| Loan loss allowance to noncurrent loans | 667.0588% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,833 |
| Noncurrent loans to loans | 0.3970% | 4,721 |
| Net loans and leases to total assets | 61.2263% | 3,588 |
| Net loans and leases to deposits | 68.4335% | 4,086 |
| Net loans and leases to core deposits | 90.7941% | 2,148 |
| Total domestic deposits to total assets | 89.4684% | 995 |
| Equity capital to assets | 9.6637% | 4,594 |
| Core capital (leverage) ratio | 9.7042% | 4,071 |
| Tier 1 risk-based capital ratio | 12.1723% | 5,387 |
| Total risk-based capital ratio | 13.4326% | 5,299 |
| Memoranda: | ||
| Average total assets | $65,281,250 | 5,473 |
| Average earning assets | $58,826,750 | 5,490 |
| Average equity | $6,477,750 | 5,584 |
| Average total loans | $40,458,250 | 5,216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,614 |
| Cost of funding earning assets | 0.4157% | 3,699 |
| Net interest margin | 3.3568% | 4,369 |
| Noninterest income to average assets | 0.6776% | 2,389 |
| Noninterest expense to average assets | 3.0399% | 2,690 |
| Loan and lease loss provision to assets | 0.0311% | 3,659 |
| Net operating income to assets | 0.6185% | 4,257 |
| Return on assets (ROA) | 0.6216% | 4,337 |
| Pretax return on assets | 0.6216% | 4,887 |
| Return on Equity (ROE) | 6.2076% | 4,044 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.0101% | 4,060 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 541 |
| Efficiency ratio | 82.3926% | 1,702 |
| Assets per employee ($millions) | 2.9237% | 5,863 |
| Cash dividends to net income (ytd only)* | 100.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7287% | 512 |
| Loan loss allowance to noncurrent loans | 691.6667% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 4,870 |
| Noncurrent loans to loans | 0.3945% | 4,808 |
| Net loans and leases to total assets | 64.3979% | 3,012 |
| Net loans and leases to deposits | 72.3794% | 3,525 |
| Net loans and leases to core deposits | 90.6290% | 2,064 |
| Total domestic deposits to total assets | 88.9727% | 1,371 |
| Equity capital to assets | 10.0354% | 4,057 |
| Core capital (leverage) ratio | 9.9476% | 3,686 |
| Tier 1 risk-based capital ratio | 12.0748% | 5,498 |
| Total risk-based capital ratio | 13.3365% | 5,415 |
| Memoranda: | ||
| Average total assets | $64,345,000 | 5,550 |
| Average earning assets | $57,733,000 | 5,567 |
| Average equity | $6,443,670 | 5,619 |
| Average total loans | $39,670,000 | 5,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,630 |
| Cost of funding earning assets | 0.4233% | 3,726 |
| Net interest margin | 3.3377% | 4,387 |
| Noninterest income to average assets | 0.5718% | 2,904 |
| Noninterest expense to average assets | 2.8839% | 3,271 |
| Loan and lease loss provision to assets | 0.0622% | 2,873 |
| Net operating income to assets | 0.6153% | 4,126 |
| Return on assets (ROA) | 0.6153% | 4,199 |
| Pretax return on assets | 0.6153% | 4,780 |
| Return on Equity (ROE) | 6.1510% | 3,938 |
| Retained earnings to average equity (ytd only) | -0.0621% | 5,562 |
| Net charge-offs to loans | 0.0314% | 2,963 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 933 |
| Efficiency ratio | 80.9773% | 2,053 |
| Assets per employee ($millions) | 2.8319% | 6,064 |
| Cash dividends to net income (ytd only)* | 101.0101% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 405 |
| Loan loss allowance to noncurrent loans | 659.6591% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,976 |
| Noncurrent loans to loans | 0.4624% | 4,768 |
| Net loans and leases to total assets | 56.6586% | 4,054 |
| Net loans and leases to deposits | 63.5739% | 4,366 |
| Net loans and leases to core deposits | 78.8564% | 3,107 |
| Total domestic deposits to total assets | 89.1224% | 1,573 |
| Equity capital to assets | 9.8935% | 3,967 |
| Core capital (leverage) ratio | 10.2681% | 3,200 |
| Tier 1 risk-based capital ratio | 12.9866% | 5,012 |
| Total risk-based capital ratio | 14.2503% | 4,933 |
| Memoranda: | ||
| Average total assets | $64,356,500 | 5,618 |
| Average earning assets | $57,644,000 | 5,621 |
| Average equity | $6,438,000 | 5,654 |
| Average total loans | $38,213,000 | 5,385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,424 |
| Cost of funding earning assets | 0.4987% | 3,626 |
| Net interest margin | 3.4112% | 4,235 |
| Noninterest income to average assets | 0.7964% | 2,094 |
| Noninterest expense to average assets | 3.0946% | 2,750 |
| Loan and lease loss provision to assets | 0.1852% | 1,987 |
| Net operating income to assets | 0.5464% | 4,523 |
| Return on assets (ROA) | 0.5603% | 4,576 |
| Pretax return on assets | 0.5603% | 5,006 |
| Return on Equity (ROE) | 5.6201% | 4,315 |
| Retained earnings to average equity (ytd only) | -0.5728% | 5,988 |
| Net charge-offs to loans | 0.1302% | 3,511 |
| Credit loss provision to net charge-offs | 244.8980% | 934 |
| Earnings coverage of net charge-offs (x) | 9.6735% | 2,475 |
| Efficiency ratio | 80.8794% | 2,036 |
| Assets per employee ($millions) | 2.7643% | 6,154 |
| Cash dividends to net income (ytd only)* | 110.1928% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0083% | 461 |
| Loan loss allowance to noncurrent loans | 242.4370% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 3,711 |
| Noncurrent loans to loans | 1.2408% | 3,064 |
| Net loans and leases to total assets | 58.5209% | 3,950 |
| Net loans and leases to deposits | 65.7565% | 4,326 |
| Net loans and leases to core deposits | 81.8420% | 2,913 |
| Total domestic deposits to total assets | 88.9964% | 1,627 |
| Equity capital to assets | 10.1165% | 3,611 |
| Core capital (leverage) ratio | 10.0975% | 3,435 |
| Tier 1 risk-based capital ratio | 12.9421% | 5,019 |
| Total risk-based capital ratio | 14.2053% | 4,963 |
| Memoranda: | ||
| Average total assets | $64,789,400 | 5,628 |
| Average earning assets | $57,546,400 | 5,664 |
| Average equity | $6,459,000 | 5,706 |
| Average total loans | $37,627,600 | 5,438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 4,349 |
| Cost of funding earning assets | 0.5066% | 3,705 |
| Net interest margin | 3.4330% | 4,155 |
| Noninterest income to average assets | 0.8542% | 1,918 |
| Noninterest expense to average assets | 3.1073% | 2,629 |
| Loan and lease loss provision to assets | 0.1844% | 1,973 |
| Net operating income to assets | 0.6022% | 4,338 |
| Return on assets (ROA) | 0.6206% | 4,384 |
| Pretax return on assets | 0.6206% | 4,949 |
| Return on Equity (ROE) | 6.2482% | 4,046 |
| Retained earnings to average equity (ytd only) | 0.0619% | 5,915 |
| Net charge-offs to loans | 0.1745% | 2,829 |
| Credit loss provision to net charge-offs | 183.6735% | 1,316 |
| Earnings coverage of net charge-offs (x) | 7.8370% | 2,720 |
| Efficiency ratio | 79.8001% | 2,130 |
| Assets per employee ($millions) | 2.8248% | 6,117 |
| Cash dividends to net income (ytd only)* | 99.0099% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9518% | 580 |
| Loan loss allowance to noncurrent loans | 187.9599% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 3,570 |
| Noncurrent loans to loans | 1.5705% | 2,809 |
| Net loans and leases to total assets | 56.8777% | 4,192 |
| Net loans and leases to deposits | 64.3551% | 4,480 |
| Net loans and leases to core deposits | 73.3229% | 3,933 |
| Total domestic deposits to total assets | 88.3810% | 1,905 |
| Equity capital to assets | 9.9414% | 3,985 |
| Core capital (leverage) ratio | 9.9402% | 3,755 |
| Tier 1 risk-based capital ratio | 13.6668% | 4,653 |
| Total risk-based capital ratio | 14.9310% | 4,599 |
| Memoranda: | ||
| Average total assets | $65,092,000 | 5,681 |
| Average earning assets | $57,635,750 | 5,726 |
| Average equity | $6,465,750 | 5,777 |
| Average total loans | $37,444,250 | 5,498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,730 |
| Cost of funding earning assets | 0.5136% | 3,771 |
| Net interest margin | 3.3160% | 4,507 |
| Noninterest income to average assets | 0.9458% | 1,674 |
| Noninterest expense to average assets | 2.9386% | 3,204 |
| Loan and lease loss provision to assets | 0.1842% | 2,056 |
| Net operating income to assets | 0.7370% | 3,630 |
| Return on assets (ROA) | 0.7492% | 3,723 |
| Pretax return on assets | 0.7492% | 4,505 |
| Return on Equity (ROE) | 7.5448% | 3,329 |
| Retained earnings to average equity (ytd only) | 1.3605% | 5,342 |
| Net charge-offs to loans | 0.1289% | 3,089 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,972 |
| Efficiency ratio | 76.1337% | 2,769 |
| Assets per employee ($millions) | 2.8551% | 6,086 |
| Cash dividends to net income (ytd only)* | 81.9672% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9955% | 589 |
| Loan loss allowance to noncurrent loans | 291.4063% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 4,464 |
| Noncurrent loans to loans | 1.0279% | 3,881 |
| Net loans and leases to total assets | 55.1821% | 4,422 |
| Net loans and leases to deposits | 62.3829% | 4,688 |
| Net loans and leases to core deposits | 72.2356% | 4,009 |
| Total domestic deposits to total assets | 88.4571% | 1,945 |
| Equity capital to assets | 9.8237% | 4,157 |
| Core capital (leverage) ratio | 9.8837% | 3,667 |
| Tier 1 risk-based capital ratio | 13.6230% | 4,696 |
| Total risk-based capital ratio | 14.8862% | 4,645 |
| Memoranda: | ||
| Average total assets | $65,132,330 | 5,723 |
| Average earning assets | $57,237,670 | 5,769 |
| Average equity | $6,468,000 | 5,819 |
| Average total loans | $37,233,000 | 5,530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,508 |
| Cost of funding earning assets | 0.5059% | 4,027 |
| Net interest margin | 3.3848% | 4,175 |
| Noninterest income to average assets | 0.8880% | 1,798 |
| Noninterest expense to average assets | 2.8058% | 3,675 |
| Loan and lease loss provision to assets | 0.1850% | 1,996 |
| Net operating income to assets | 0.8263% | 3,017 |
| Return on assets (ROA) | 0.8263% | 3,161 |
| Pretax return on assets | 0.8263% | 4,057 |
| Return on Equity (ROE) | 8.2761% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.0999% | 4,953 |
| Net charge-offs to loans | 0.2475% | 1,973 |
| Credit loss provision to net charge-offs | 130.4348% | 1,516 |
| Earnings coverage of net charge-offs (x) | 7.1304% | 2,110 |
| Efficiency ratio | 73.5057% | 3,348 |
| Assets per employee ($millions) | 2.8310% | 6,244 |
| Cash dividends to net income (ytd only)* | 74.6269% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9945% | 660 |
| Loan loss allowance to noncurrent loans | 419.2308% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 4,740 |
| Noncurrent loans to loans | 0.7143% | 4,697 |
| Net loans and leases to total assets | 54.2280% | 4,370 |
| Net loans and leases to deposits | 61.4012% | 4,633 |
| Net loans and leases to core deposits | 70.1528% | 4,059 |
| Total domestic deposits to total assets | 88.3174% | 2,116 |
| Equity capital to assets | 9.9717% | 4,186 |
| Core capital (leverage) ratio | 9.9873% | 3,402 |
| Tier 1 risk-based capital ratio | 13.3535% | 4,969 |
| Total risk-based capital ratio | 14.6167% | 4,912 |
| Memoranda: | ||
| Average total assets | $64,864,500 | 5,781 |
| Average earning assets | $56,133,000 | 5,848 |
| Average equity | $6,476,500 | 5,871 |
| Average total loans | $37,171,500 | 5,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 3,444 |
| Cost of funding earning assets | 0.5926% | 4,416 |
| Net interest margin | 3.8964% | 2,841 |
| Noninterest income to average assets | 1.0730% | 1,353 |
| Noninterest expense to average assets | 3.1220% | 2,865 |
| Loan and lease loss provision to assets | 0.1850% | 3,326 |
| Net operating income to assets | 1.0807% | 2,005 |
| Return on assets (ROA) | 1.0807% | 2,194 |
| Pretax return on assets | 1.0807% | 3,227 |
| Return on Equity (ROE) | 10.9285% | 1,826 |
| Retained earnings to average equity (ytd only) | 1.5746% | 5,086 |
| Net charge-offs to loans | 0.0675% | 5,005 |
| Credit loss provision to net charge-offs | 444.4444% | 542 |
| Earnings coverage of net charge-offs (x) | 30.4074% | 1,005 |
| Efficiency ratio | 71.1525% | 3,597 |
| Assets per employee ($millions) | 3.0769% | 5,890 |
| Cash dividends to net income (ytd only)* | 85.5920% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 780 |
| Loan loss allowance to noncurrent loans | 378.6713% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 4,736 |
| Noncurrent loans to loans | 0.7538% | 4,672 |
| Net loans and leases to total assets | 57.0456% | 4,116 |
| Net loans and leases to deposits | 64.5512% | 4,470 |
| Net loans and leases to core deposits | 72.3838% | 3,996 |
| Total domestic deposits to total assets | 88.3727% | 1,981 |
| Equity capital to assets | 9.9977% | 4,166 |
| Core capital (leverage) ratio | 10.0406% | 3,348 |
| Tier 1 risk-based capital ratio | 13.6184% | 4,658 |
| Total risk-based capital ratio | 14.8814% | 4,597 |
| Memoranda: | ||
| Average total assets | $64,862,600 | 5,790 |
| Average earning assets | $55,179,400 | 5,881 |
| Average equity | $6,414,400 | 5,911 |
| Average total loans | $40,015,800 | 5,505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 3,322 |
| Cost of funding earning assets | 0.6134% | 4,507 |
| Net interest margin | 3.9593% | 2,672 |
| Noninterest income to average assets | 1.1973% | 1,057 |
| Noninterest expense to average assets | 3.1646% | 2,669 |
| Loan and lease loss provision to assets | 0.1848% | 3,274 |
| Net operating income to assets | 1.2014% | 1,730 |
| Return on assets (ROA) | 1.2014% | 1,903 |
| Pretax return on assets | 1.2014% | 2,989 |
| Return on Equity (ROE) | 12.1815% | 1,573 |
| Retained earnings to average equity (ytd only) | 1.7700% | 5,443 |
| Net charge-offs to loans | 0.0855% | 4,531 |
| Credit loss provision to net charge-offs | 346.1538% | 774 |
| Earnings coverage of net charge-offs (x) | 25.9585% | 1,230 |
| Efficiency ratio | 69.5397% | 3,780 |
| Assets per employee ($millions) | 3.0965% | 5,861 |
| Cash dividends to net income (ytd only)* | 85.4701% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 1,001 |
| Loan loss allowance to noncurrent loans | 2,848.6486% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 5,911 |
| Noncurrent loans to loans | 0.0941% | 6,382 |
| Net loans and leases to total assets | 58.8580% | 3,983 |
| Net loans and leases to deposits | 67.2022% | 4,309 |
| Net loans and leases to core deposits | 76.6810% | 3,650 |
| Total domestic deposits to total assets | 87.5834% | 2,301 |
| Equity capital to assets | 9.9345% | 4,598 |
| Core capital (leverage) ratio | 9.9005% | 3,686 |
| Tier 1 risk-based capital ratio | 13.1515% | 5,129 |
| Total risk-based capital ratio | 14.4133% | 5,089 |
| Memoranda: | ||
| Average total assets | $64,924,500 | 5,850 |
| Average earning assets | $54,991,250 | 5,964 |
| Average equity | $6,403,000 | 5,985 |
| Average total loans | $40,534,000 | 5,548 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 3,128 |
| Cost of funding earning assets | 0.6339% | 4,591 |
| Net interest margin | 4.0194% | 2,417 |
| Noninterest income to average assets | 0.9955% | 1,478 |
| Noninterest expense to average assets | 3.1222% | 2,845 |
| Loan and lease loss provision to assets | 0.1849% | 3,251 |
| Net operating income to assets | 1.0695% | 2,165 |
| Return on assets (ROA) | 1.0695% | 2,390 |
| Pretax return on assets | 1.0695% | 3,423 |
| Return on Equity (ROE) | 10.8709% | 2,033 |
| Retained earnings to average equity (ytd only) | 1.4724% | 5,461 |
| Net charge-offs to loans | 0.1221% | 3,950 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 16.2800% | 1,602 |
| Efficiency ratio | 71.3380% | 3,545 |
| Assets per employee ($millions) | 3.1087% | 5,827 |
| Cash dividends to net income (ytd only)* | 86.4553% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5436% | 1,223 |
| Loan loss allowance to noncurrent loans | 2,928.5714% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 5,227 |
| Noncurrent loans to loans | 0.0869% | 6,446 |
| Net loans and leases to total assets | 60.1565% | 3,785 |
| Net loans and leases to deposits | 68.5615% | 4,112 |
| Net loans and leases to core deposits | 76.7016% | 3,692 |
| Total domestic deposits to total assets | 87.7411% | 2,313 |
| Equity capital to assets | 9.7545% | 4,691 |
| Core capital (leverage) ratio | 9.8119% | 3,703 |
| Tier 1 risk-based capital ratio | 12.9363% | 5,225 |
| Total risk-based capital ratio | 14.1909% | 5,205 |
| Memoranda: | ||
| Average total assets | $64,890,670 | 5,887 |
| Average earning assets | $54,585,670 | 6,014 |
| Average equity | $6,384,000 | 6,019 |
| Average total loans | $40,936,330 | 5,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 3,075 |
| Cost of funding earning assets | 0.6622% | 4,613 |
| Net interest margin | 4.0324% | 2,363 |
| Noninterest income to average assets | 0.9707% | 1,508 |
| Noninterest expense to average assets | 2.9060% | 3,596 |
| Loan and lease loss provision to assets | 0.1855% | 3,117 |
| Net operating income to assets | 1.2304% | 1,658 |
| Return on assets (ROA) | 1.2304% | 1,837 |
| Pretax return on assets | 1.2304% | 2,806 |
| Return on Equity (ROE) | 12.4531% | 1,541 |
| Retained earnings to average equity (ytd only) | 12.4531% | 757 |
| Net charge-offs to loans | 0.2424% | 2,719 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.1600% | 1,875 |
| Efficiency ratio | 67.2389% | 4,315 |
| Assets per employee ($millions) | 2.8587% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3986% | 1,507 |
| Loan loss allowance to noncurrent loans | 458.5253% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,717 |
| Noncurrent loans to loans | 0.5231% | 5,620 |
| Net loans and leases to total assets | 61.5772% | 3,343 |
| Net loans and leases to deposits | 70.2997% | 3,690 |
| Net loans and leases to core deposits | 79.0453% | 3,175 |
| Total domestic deposits to total assets | 87.5924% | 2,594 |
| Equity capital to assets | 9.9011% | 4,253 |
| Core capital (leverage) ratio | 10.1929% | 3,116 |
| Tier 1 risk-based capital ratio | 13.1211% | 5,116 |
| Total risk-based capital ratio | 14.3800% | 5,082 |
| Memoranda: | ||
| Average total assets | $64,694,500 | 5,931 |
| Average earning assets | $53,764,000 | 6,071 |
| Average equity | $6,392,000 | 6,046 |
| Average total loans | $41,256,000 | 5,583 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 3,798 |
| Cost of funding earning assets | 0.8233% | 4,684 |
| Net interest margin | 3.9792% | 2,989 |
| Noninterest income to average assets | 1.3018% | 762 |
| Noninterest expense to average assets | 3.2171% | 2,801 |
| Loan and lease loss provision to assets | 0.2803% | 3,425 |
| Net operating income to assets | 1.1461% | 1,681 |
| Return on assets (ROA) | 1.1726% | 1,704 |
| Pretax return on assets | 1.1726% | 2,566 |
| Return on Equity (ROE) | 12.0588% | 1,389 |
| Retained earnings to average equity (ytd only) | 2.4502% | 4,477 |
| Net charge-offs to loans | 0.3939% | 3,441 |
| Credit loss provision to net charge-offs | 113.2075% | 2,909 |
| Earnings coverage of net charge-offs (x) | 5.7610% | 2,690 |
| Efficiency ratio | 69.2824% | 4,094 |
| Assets per employee ($millions) | 2.7669% | 6,507 |
| Cash dividends to net income (ytd only)* | 79.6813% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4129% | 1,447 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,314 |
| Noncurrent loans to loans | 0.0975% | 6,570 |
| Net loans and leases to total assets | 62.9174% | 3,427 |
| Net loans and leases to deposits | 71.7833% | 3,828 |
| Net loans and leases to core deposits | 80.7812% | 3,345 |
| Total domestic deposits to total assets | 87.6491% | 2,368 |
| Equity capital to assets | 9.8587% | 4,358 |
| Core capital (leverage) ratio | 9.8680% | 3,497 |
| Tier 1 risk-based capital ratio | 13.2426% | 4,881 |
| Total risk-based capital ratio | 14.5030% | 4,850 |
| Memoranda: | ||
| Average total assets | $64,218,400 | 5,918 |
| Average earning assets | $53,930,800 | 6,048 |
| Average equity | $6,244,400 | 6,090 |
| Average total loans | $40,370,200 | 5,672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 3,898 |
| Cost of funding earning assets | 0.8627% | 4,681 |
| Net interest margin | 3.9644% | 3,080 |
| Noninterest income to average assets | 1.4583% | 612 |
| Noninterest expense to average assets | 3.2461% | 2,675 |
| Loan and lease loss provision to assets | 0.3107% | 3,041 |
| Net operating income to assets | 1.2429% | 1,536 |
| Return on assets (ROA) | 1.2761% | 1,545 |
| Pretax return on assets | 1.2761% | 2,376 |
| Return on Equity (ROE) | 13.1684% | 1,234 |
| Retained earnings to average equity (ytd only) | 2.4797% | 4,883 |
| Net charge-offs to loans | 0.4809% | 2,814 |
| Credit loss provision to net charge-offs | 103.4483% | 3,221 |
| Earnings coverage of net charge-offs (x) | 5.1724% | 2,857 |
| Efficiency ratio | 67.6306% | 4,396 |
| Assets per employee ($millions) | 3.0132% | 6,089 |
| Cash dividends to net income (ytd only)* | 81.1691% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 5,424 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.9825% | 4,129 |
| Net loans and leases to deposits | 68.0582% | 4,593 |
| Net loans and leases to core deposits | 76.9527% | 4,062 |
| Total domestic deposits to total assets | 88.1341% | 1,967 |
| Equity capital to assets | 9.4372% | 5,188 |
| Core capital (leverage) ratio | 9.9617% | 3,489 |
| Tier 1 risk-based capital ratio | 13.5126% | 4,727 |
| Total risk-based capital ratio | 14.7696% | 4,690 |
| Memoranda: | ||
| Average total assets | $64,363,250 | 5,959 |
| Average earning assets | $54,248,250 | 6,089 |
| Average equity | $6,237,000 | 6,130 |
| Average total loans | $40,205,250 | 5,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 4,165 |
| Cost of funding earning assets | 0.9139% | 4,556 |
| Net interest margin | 3.8675% | 3,451 |
| Noninterest income to average assets | 1.8173% | 411 |
| Noninterest expense to average assets | 3.3082% | 2,529 |
| Loan and lease loss provision to assets | 0.3766% | 2,533 |
| Net operating income to assets | 1.3999% | 1,084 |
| Return on assets (ROA) | 1.4469% | 1,043 |
| Pretax return on assets | 1.4469% | 1,671 |
| Return on Equity (ROE) | 14.7978% | 837 |
| Retained earnings to average equity (ytd only) | 5.1680% | 2,901 |
| Net charge-offs to loans | 0.4447% | 2,794 |
| Credit loss provision to net charge-offs | 134.8315% | 2,266 |
| Earnings coverage of net charge-offs (x) | 6.3596% | 2,408 |
| Efficiency ratio | 65.0617% | 5,049 |
| Assets per employee ($millions) | 2.6862% | 6,657 |
| Cash dividends to net income (ytd only)* | 65.0759% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5200% | 1,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 5,362 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.6111% | 3,763 |
| Net loans and leases to deposits | 71.9082% | 4,128 |
| Net loans and leases to core deposits | 81.9312% | 3,507 |
| Total domestic deposits to total assets | 87.0709% | 2,701 |
| Equity capital to assets | 10.2310% | 3,842 |
| Core capital (leverage) ratio | 10.7041% | 2,515 |
| Tier 1 risk-based capital ratio | 14.3565% | 3,897 |
| Total risk-based capital ratio | 15.6189% | 3,859 |
| Memoranda: | ||
| Average total assets | $63,720,670 | 6,022 |
| Average earning assets | $53,833,670 | 6,152 |
| Average equity | $6,230,670 | 6,163 |
| Average total loans | $40,028,000 | 5,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 4,515 |
| Cost of funding earning assets | 0.9639% | 4,467 |
| Net interest margin | 3.7386% | 3,896 |
| Noninterest income to average assets | 0.8719% | 1,760 |
| Noninterest expense to average assets | 3.0855% | 3,311 |
| Loan and lease loss provision to assets | 0.5565% | 1,555 |
| Net operating income to assets | 0.3957% | 4,968 |
| Return on assets (ROA) | 0.4823% | 4,644 |
| Pretax return on assets | 0.4823% | 5,080 |
| Return on Equity (ROE) | 5.0441% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.0441% | 3,161 |
| Net charge-offs to loans | 0.8955% | 1,476 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.7111% | 3,453 |
| Efficiency ratio | 76.4165% | 3,087 |
| Assets per employee ($millions) | 2.7307% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4545% | 1,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 4,276 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.3795% | 3,996 |
| Net loans and leases to deposits | 70.1866% | 4,319 |
| Net loans and leases to core deposits | 80.2473% | 3,713 |
| Total domestic deposits to total assets | 87.4518% | 2,683 |
| Equity capital to assets | 9.9035% | 3,897 |
| Core capital (leverage) ratio | 10.1818% | 2,944 |
| Tier 1 risk-based capital ratio | 14.2628% | 3,899 |
| Total risk-based capital ratio | 15.5245% | 3,847 |
| Memoranda: | ||
| Average total assets | $64,689,500 | 6,039 |
| Average earning assets | $54,779,500 | 6,176 |
| Average equity | $6,185,500 | 6,187 |
| Average total loans | $40,200,500 | 5,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 4,476 |
| Cost of funding earning assets | 1.3512% | 3,565 |
| Net interest margin | 3.6650% | 4,513 |
| Noninterest income to average assets | 0.6090% | 3,415 |
| Noninterest expense to average assets | 3.0218% | 3,763 |
| Loan and lease loss provision to assets | 0.5088% | 3,120 |
| Net operating income to assets | 0.1896% | 5,300 |
| Return on assets (ROA) | 0.2205% | 5,365 |
| Pretax return on assets | 0.2205% | 5,441 |
| Return on Equity (ROE) | 2.3225% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.6984% | 5,215 |
| Net charge-offs to loans | 0.8341% | 2,549 |
| Credit loss provision to net charge-offs | 94.2857% | 4,928 |
| Earnings coverage of net charge-offs (x) | 1.2943% | 4,807 |
| Efficiency ratio | 81.2267% | 2,257 |
| Assets per employee ($millions) | 2.7739% | 6,560 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3703% | 1,590 |
| Loan loss allowance to noncurrent loans | 204.8626% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 4,265 |
| Noncurrent loans to loans | 1.1570% | 4,791 |
| Net loans and leases to total assets | 59.9522% | 4,693 |
| Net loans and leases to deposits | 68.4362% | 5,047 |
| Net loans and leases to core deposits | 81.7048% | 3,947 |
| Total domestic deposits to total assets | 87.6031% | 2,481 |
| Equity capital to assets | 9.2395% | 4,775 |
| Core capital (leverage) ratio | 10.1067% | 2,967 |
| Tier 1 risk-based capital ratio | 13.7403% | 4,027 |
| Total risk-based capital ratio | 15.0026% | 3,999 |
| Memoranda: | ||
| Average total assets | $64,861,400 | 6,035 |
| Average earning assets | $55,061,200 | 6,170 |
| Average equity | $6,157,200 | 6,319 |
| Average total loans | $41,959,200 | 5,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 4,307 |
| Cost of funding earning assets | 1.4215% | 3,448 |
| Net interest margin | 3.6794% | 4,505 |
| Noninterest income to average assets | 0.5587% | 3,714 |
| Noninterest expense to average assets | 2.9942% | 3,769 |
| Loan and lease loss provision to assets | 0.4966% | 2,981 |
| Net operating income to assets | 0.1904% | 5,535 |
| Return on assets (ROA) | 0.1904% | 5,698 |
| Pretax return on assets | 0.1904% | 5,752 |
| Return on Equity (ROE) | 1.9916% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.9916% | 4,959 |
| Net charge-offs to loans | 0.8114% | 2,423 |
| Credit loss provision to net charge-offs | 93.3852% | 4,644 |
| Earnings coverage of net charge-offs (x) | 1.2918% | 4,787 |
| Efficiency ratio | 81.3378% | 2,147 |
| Assets per employee ($millions) | 2.6990% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3553% | 1,534 |
| Loan loss allowance to noncurrent loans | 169.6335% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5793% | 4,076 |
| Noncurrent loans to loans | 1.3885% | 4,543 |
| Net loans and leases to total assets | 62.2092% | 4,487 |
| Net loans and leases to deposits | 71.5115% | 4,906 |
| Net loans and leases to core deposits | 84.0516% | 3,924 |
| Total domestic deposits to total assets | 86.9919% | 2,536 |
| Equity capital to assets | 9.5839% | 4,724 |
| Core capital (leverage) ratio | 10.1076% | 3,140 |
| Tier 1 risk-based capital ratio | 13.0862% | 4,511 |
| Total risk-based capital ratio | 14.3463% | 4,476 |
| Memoranda: | ||
| Average total assets | $64,433,500 | 6,124 |
| Average earning assets | $54,681,750 | 6,255 |
| Average equity | $6,158,750 | 6,403 |
| Average total loans | $42,228,750 | 5,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 3,882 |
| Cost of funding earning assets | 1.4880% | 3,316 |
| Net interest margin | 3.7255% | 4,248 |
| Noninterest income to average assets | 0.5939% | 3,381 |
| Noninterest expense to average assets | 2.9509% | 3,885 |
| Loan and lease loss provision to assets | 0.5131% | 2,751 |
| Net operating income to assets | 0.2830% | 5,252 |
| Return on assets (ROA) | 0.2830% | 5,402 |
| Pretax return on assets | 0.2830% | 5,551 |
| Return on Equity (ROE) | 2.9630% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.9630% | 4,236 |
| Net charge-offs to loans | 0.4888% | 3,076 |
| Credit loss provision to net charge-offs | 158.6538% | 2,480 |
| Earnings coverage of net charge-offs (x) | 2.4615% | 3,765 |
| Efficiency ratio | 78.7552% | 2,613 |
| Assets per employee ($millions) | 2.8184% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5136% | 1,282 |
| Loan loss allowance to noncurrent loans | 311.5727% | 938 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 4,557 |
| Noncurrent loans to loans | 0.8067% | 5,663 |
| Net loans and leases to total assets | 60.2037% | 5,018 |
| Net loans and leases to deposits | 68.7215% | 5,456 |
| Net loans and leases to core deposits | 81.7239% | 4,456 |
| Total domestic deposits to total assets | 87.6053% | 2,203 |
| Equity capital to assets | 9.1792% | 5,170 |
| Core capital (leverage) ratio | 10.2314% | 2,908 |
| Tier 1 risk-based capital ratio | 12.5387% | 4,826 |
| Total risk-based capital ratio | 13.7685% | 4,817 |
| Memoranda: | ||
| Average total assets | $64,319,670 | 6,170 |
| Average earning assets | $54,435,330 | 6,307 |
| Average equity | $6,142,330 | 6,423 |
| Average total loans | $42,549,000 | 5,926 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 3,423 |
| Cost of funding earning assets | 1.5692% | 3,143 |
| Net interest margin | 3.7554% | 3,980 |
| Noninterest income to average assets | 0.6065% | 3,239 |
| Noninterest expense to average assets | 2.9493% | 3,858 |
| Loan and lease loss provision to assets | 0.5745% | 2,195 |
| Net operating income to assets | 0.2298% | 5,575 |
| Return on assets (ROA) | 0.2298% | 5,696 |
| Pretax return on assets | 0.2298% | 5,798 |
| Return on Equity (ROE) | 2.3572% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.3572% | 4,727 |
| Net charge-offs to loans | 0.8198% | 1,895 |
| Credit loss provision to net charge-offs | 102.2727% | 3,329 |
| Earnings coverage of net charge-offs (x) | 1.4318% | 3,888 |
| Efficiency ratio | 78.5714% | 2,799 |
| Assets per employee ($millions) | 2.6826% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2680% | 1,629 |
| Loan loss allowance to noncurrent loans | 396.4000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 5,053 |
| Noncurrent loans to loans | 0.5721% | 6,158 |
| Net loans and leases to total assets | 66.3281% | 3,784 |
| Net loans and leases to deposits | 76.1511% | 4,383 |
| Net loans and leases to core deposits | 92.2971% | 3,072 |
| Total domestic deposits to total assets | 87.1006% | 2,576 |
| Equity capital to assets | 9.5367% | 4,472 |
| Core capital (leverage) ratio | 10.7781% | 2,384 |
| Tier 1 risk-based capital ratio | 11.9075% | 5,296 |
| Total risk-based capital ratio | 13.1070% | 5,284 |
| Memoranda: | ||
| Average total assets | $62,658,500 | 6,279 |
| Average earning assets | $52,510,500 | 6,459 |
| Average equity | $6,109,000 | 6,480 |
| Average total loans | $42,937,000 | 5,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8368% | 2,496 |
| Cost of funding earning assets | 1.8901% | 3,516 |
| Net interest margin | 3.9466% | 3,093 |
| Noninterest income to average assets | 0.6338% | 3,400 |
| Noninterest expense to average assets | 3.3973% | 2,694 |
| Loan and lease loss provision to assets | 0.7901% | 2,761 |
| Net operating income to assets | -0.2542% | 5,902 |
| Return on assets (ROA) | -0.2885% | 5,955 |
| Pretax return on assets | -0.2885% | 5,820 |
| Return on Equity (ROE) | -2.7347% | 5,951 |
| Retained earnings to average equity (ytd only) | -2.7347% | 5,651 |
| Net charge-offs to loans | 0.7442% | 2,966 |
| Credit loss provision to net charge-offs | 153.8462% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.0435% | 5,069 |
| Efficiency ratio | 86.3755% | 2,068 |
| Assets per employee ($millions) | 2.5389% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,411 |
| Loan loss allowance to noncurrent loans | 183.1481% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 4,157 |
| Noncurrent loans to loans | 1.2803% | 4,787 |
| Net loans and leases to total assets | 67.5977% | 3,798 |
| Net loans and leases to deposits | 78.1431% | 4,338 |
| Net loans and leases to core deposits | 106.6988% | 3,251 |
| Total domestic deposits to total assets | 86.5051% | 2,763 |
| Equity capital to assets | 9.9747% | 3,793 |
| Core capital (leverage) ratio | 11.0773% | 2,186 |
| Tier 1 risk-based capital ratio | 12.1953% | 4,778 |
| Total risk-based capital ratio | 13.3813% | 4,796 |
| Memoranda: | ||
| Average total assets | $58,223,000 | 6,422 |
| Average earning assets | $48,674,200 | 6,572 |
| Average equity | $6,143,200 | 6,551 |
| Average total loans | $40,180,000 | 6,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 2,089 |
| Cost of funding earning assets | 1.9412% | 3,658 |
| Net interest margin | 4.0467% | 2,610 |
| Noninterest income to average assets | 0.6395% | 3,427 |
| Noninterest expense to average assets | 3.4221% | 2,504 |
| Loan and lease loss provision to assets | 0.8573% | 2,234 |
| Net operating income to assets | -0.2734% | 6,166 |
| Return on assets (ROA) | -0.3197% | 6,240 |
| Pretax return on assets | -0.3197% | 6,119 |
| Return on Equity (ROE) | -2.9873% | 6,241 |
| Retained earnings to average equity (ytd only) | -2.9873% | 5,934 |
| Net charge-offs to loans | 0.7493% | 2,487 |
| Credit loss provision to net charge-offs | 165.9193% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.1300% | 4,927 |
| Efficiency ratio | 85.4251% | 2,135 |
| Assets per employee ($millions) | 2.3550% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 1,127 |
| Loan loss allowance to noncurrent loans | 130.3476% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9872% | 3,363 |
| Noncurrent loans to loans | 1.8700% | 3,811 |
| Net loans and leases to total assets | 66.2851% | 4,359 |
| Net loans and leases to deposits | 75.7551% | 5,087 |
| Net loans and leases to core deposits | 101.4954% | 4,212 |
| Total domestic deposits to total assets | 87.4992% | 1,888 |
| Equity capital to assets | 10.4015% | 3,614 |
| Core capital (leverage) ratio | 11.2581% | 2,214 |
| Tier 1 risk-based capital ratio | 12.7340% | 4,365 |
| Total risk-based capital ratio | 13.9063% | 4,380 |
| Memoranda: | ||
| Average total assets | $57,545,250 | 6,485 |
| Average earning assets | $47,872,750 | 6,654 |
| Average equity | $6,159,500 | 6,608 |
| Average total loans | $39,680,250 | 6,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 2,413 |
| Cost of funding earning assets | 2.0136% | 3,707 |
| Net interest margin | 3.9280% | 2,987 |
| Noninterest income to average assets | 0.6094% | 3,611 |
| Noninterest expense to average assets | 3.2328% | 3,225 |
| Loan and lease loss provision to assets | 0.6305% | 2,538 |
| Net operating income to assets | -0.0630% | 5,944 |
| Return on assets (ROA) | -0.1331% | 6,102 |
| Pretax return on assets | -0.1331% | 6,041 |
| Return on Equity (ROE) | -1.2315% | 6,108 |
| Retained earnings to average equity (ytd only) | -1.2315% | 5,546 |
| Net charge-offs to loans | 0.2072% | 4,217 |
| Credit loss provision to net charge-offs | 439.0244% | 1,058 |
| Earnings coverage of net charge-offs (x) | 3.9512% | 3,262 |
| Efficiency ratio | 85.0691% | 2,348 |
| Assets per employee ($millions) | 2.3494% | 7,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4041% | 984 |
| Loan loss allowance to noncurrent loans | 79.0033% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.5641% | 2,518 |
| Noncurrent loans to loans | 3.0430% | 2,365 |
| Net loans and leases to total assets | 66.8358% | 4,390 |
| Net loans and leases to deposits | 76.6135% | 5,080 |
| Net loans and leases to core deposits | 105.1678% | 3,939 |
| Total domestic deposits to total assets | 87.2376% | 2,132 |
| Equity capital to assets | 10.5627% | 3,326 |
| Core capital (leverage) ratio | 11.8144% | 1,912 |
| Tier 1 risk-based capital ratio | 13.1111% | 4,061 |
| Total risk-based capital ratio | 14.2965% | 4,034 |
| Memoranda: | ||
| Average total assets | $57,101,670 | 6,547 |
| Average earning assets | $46,385,000 | 6,780 |
| Average equity | $6,171,330 | 6,656 |
| Average total loans | $39,573,330 | 6,223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 3,265 |
| Cost of funding earning assets | 1.9984% | 4,143 |
| Net interest margin | 3.8081% | 3,412 |
| Noninterest income to average assets | 0.5756% | 3,720 |
| Noninterest expense to average assets | 3.1483% | 3,196 |
| Loan and lease loss provision to assets | 0.6396% | 1,973 |
| Net operating income to assets | -0.0569% | 6,341 |
| Return on assets (ROA) | -0.0569% | 6,466 |
| Pretax return on assets | -0.0569% | 6,438 |
| Return on Equity (ROE) | -0.5199% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.5199% | 5,770 |
| Net charge-offs to loans | -0.5809% | 8,120 |
| Credit loss provision to net charge-offs | -157.8947% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3810% | 2,263 |
| Assets per employee ($millions) | 2.2800% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5129% | 757 |
| Loan loss allowance to noncurrent loans | 106.3250% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 2.1035% | 2,744 |
| Noncurrent loans to loans | 2.3634% | 2,790 |
| Net loans and leases to total assets | 66.3596% | 4,496 |
| Net loans and leases to deposits | 76.2278% | 5,189 |
| Net loans and leases to core deposits | 100.2704% | 4,513 |
| Total domestic deposits to total assets | 87.0544% | 2,186 |
| Equity capital to assets | 10.7281% | 3,261 |
| Core capital (leverage) ratio | 12.1777% | 1,826 |
| Tier 1 risk-based capital ratio | 13.3626% | 3,949 |
| Total risk-based capital ratio | 14.5373% | 3,923 |
| Memoranda: | ||
| Average total assets | $56,285,000 | 6,620 |
| Average earning assets | $46,637,500 | 6,814 |
| Average equity | $6,155,000 | 6,706 |
| Average total loans | $39,248,500 | 6,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4952% | 2,977 |
| Cost of funding earning assets | 2.3605% | 4,894 |
| Net interest margin | 4.1346% | 2,561 |
| Noninterest income to average assets | 0.6446% | 3,514 |
| Noninterest expense to average assets | 3.2787% | 3,038 |
| Loan and lease loss provision to assets | 0.3384% | 3,685 |
| Net operating income to assets | 0.8205% | 3,347 |
| Return on assets (ROA) | 0.5481% | 4,389 |
| Pretax return on assets | 0.5481% | 4,860 |
| Return on Equity (ROE) | 5.1804% | 4,292 |
| Retained earnings to average equity (ytd only) | 0.3837% | 5,013 |
| Net charge-offs to loans | 0.3514% | 3,072 |
| Credit loss provision to net charge-offs | 144.9275% | 3,644 |
| Earnings coverage of net charge-offs (x) | 4.9638% | 3,799 |
| Efficiency ratio | 73.8849% | 3,596 |
| Assets per employee ($millions) | 2.2228% | 7,670 |
| Cash dividends to net income (ytd only)* | 92.5926% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 1,092 |
| Loan loss allowance to noncurrent loans | 352.3404% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 4,503 |
| Noncurrent loans to loans | 0.5920% | 5,602 |
| Net loans and leases to total assets | 69.9460% | 4,033 |
| Net loans and leases to deposits | 80.6612% | 4,931 |
| Net loans and leases to core deposits | 105.2476% | 4,273 |
| Total domestic deposits to total assets | 86.7159% | 2,085 |
| Equity capital to assets | 11.1481% | 2,923 |
| Core capital (leverage) ratio | 11.5044% | 2,252 |
| Tier 1 risk-based capital ratio | 13.2671% | 3,957 |
| Total risk-based capital ratio | 14.4382% | 3,916 |
| Memoranda: | ||
| Average total assets | $59,108,600 | 6,412 |
| Average earning assets | $54,225,000 | 6,401 |
| Average equity | $6,254,400 | 6,713 |
| Average total loans | $39,271,000 | 6,207 |