Home > State Guaranty Bank > Performance and Condition Ratios
State Guaranty 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 | 4.7164% | 2,168 |
| Cost of funding earning assets | 0.8067% | 2,498 |
| Net interest margin | 3.9098% | 2,159 |
| Noninterest income to average assets | 0.3752% | 3,349 |
| Noninterest expense to average assets | 1.6157% | 5,089 |
| Loan and lease loss provision to assets | 0.1149% | 1,535 |
| Net operating income to assets | 2.2820% | 225 |
| Return on assets (ROA) | 2.2820% | 236 |
| Pretax return on assets | 2.2820% | 370 |
| Return on Equity (ROE) | 20.6657% | 230 |
| Retained earnings to average equity (ytd only) | -2.5659% | 4,788 |
| Net charge-offs to loans | 0.0115% | 2,275 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 261 |
| Efficiency ratio | 40.2672% | 5,209 |
| Assets per employee ($millions) | 6.0038% | 1,545 |
| Cash dividends to net income (ytd only)* | 112.4161% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.6155% | 3,330 |
| Net loans and leases to deposits | 71.9889% | 3,603 |
| Net loans and leases to core deposits | 80.4145% | 3,324 |
| Total domestic deposits to total assets | 88.3684% | 1,148 |
| Equity capital to assets | 10.7044% | 3,158 |
| Core capital (leverage) ratio | 11.0553% | 2,524 |
| Tier 1 risk-based capital ratio | 15.0931% | 2,843 |
| Total risk-based capital ratio | 15.9815% | 2,926 |
| Memoranda: | ||
| Average total assets | $52,236,000 | 4,868 |
| Average earning assets | $48,596,000 | 4,844 |
| Average equity | $5,768,000 | 4,921 |
| Average total loans | $34,689,000 | 4,681 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,750 |
| Cost of funding earning assets | 0.6526% | 2,375 |
| Net interest margin | 3.7504% | 2,857 |
| Noninterest income to average assets | 0.3473% | 3,786 |
| Noninterest expense to average assets | 2.0974% | 4,571 |
| Loan and lease loss provision to assets | 0.1145% | 1,923 |
| Net operating income to assets | 1.6012% | 864 |
| Return on assets (ROA) | 1.6012% | 852 |
| Pretax return on assets | 1.6012% | 1,467 |
| Return on Equity (ROE) | 14.7379% | 890 |
| Retained earnings to average equity (ytd only) | 2.6700% | 4,069 |
| Net charge-offs to loans | -0.0201% | 4,703 |
| Credit loss provision to net charge-offs | -857.1429% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0050% | 4,516 |
| Assets per employee ($millions) | 6.3048% | 1,316 |
| Cash dividends to net income (ytd only)* | 81.8832% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.0876% | 2,872 |
| Net loans and leases to deposits | 77.7285% | 3,195 |
| Net loans and leases to core deposits | 87.5848% | 2,782 |
| Total domestic deposits to total assets | 87.5967% | 1,488 |
| Equity capital to assets | 11.4041% | 2,324 |
| Core capital (leverage) ratio | 11.4502% | 2,141 |
| Tier 1 risk-based capital ratio | 15.4284% | 2,653 |
| Total risk-based capital ratio | 16.2940% | 2,740 |
| Memoranda: | ||
| Average total assets | $52,398,600 | 4,894 |
| Average earning assets | $48,421,200 | 4,884 |
| Average equity | $5,692,800 | 4,943 |
| Average total loans | $34,772,000 | 4,693 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 3,006 |
| Cost of funding earning assets | 0.6251% | 2,299 |
| Net interest margin | 3.6633% | 3,154 |
| Noninterest income to average assets | 0.3983% | 3,492 |
| Noninterest expense to average assets | 1.7622% | 5,076 |
| Loan and lease loss provision to assets | 0.1134% | 1,790 |
| Net operating income to assets | 1.9058% | 478 |
| Return on assets (ROA) | 1.9058% | 477 |
| Pretax return on assets | 1.9058% | 807 |
| Return on Equity (ROE) | 17.7522% | 455 |
| Retained earnings to average equity (ytd only) | 4.3912% | 3,559 |
| Net charge-offs to loans | -0.0230% | 4,672 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6000% | 5,120 |
| Assets per employee ($millions) | 5.8019% | 1,640 |
| Cash dividends to net income (ytd only)* | 75.2651% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.9862% | 3,177 |
| Net loans and leases to deposits | 74.8279% | 3,519 |
| Net loans and leases to core deposits | 87.3232% | 2,889 |
| Total domestic deposits to total assets | 88.1839% | 1,160 |
| Equity capital to assets | 10.9907% | 2,676 |
| Core capital (leverage) ratio | 11.1352% | 2,472 |
| Tier 1 risk-based capital ratio | 15.3241% | 2,729 |
| Total risk-based capital ratio | 16.1370% | 2,848 |
| Memoranda: | ||
| Average total assets | $52,888,750 | 4,945 |
| Average earning assets | $48,844,000 | 4,935 |
| Average equity | $5,678,000 | 5,003 |
| Average total loans | $34,798,500 | 4,742 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,038 |
| Cost of funding earning assets | 0.5970% | 2,245 |
| Net interest margin | 3.6267% | 3,215 |
| Noninterest income to average assets | 0.4255% | 3,320 |
| Noninterest expense to average assets | 1.6832% | 5,210 |
| Loan and lease loss provision to assets | 0.1130% | 1,751 |
| Net operating income to assets | 1.9694% | 405 |
| Return on assets (ROA) | 1.9694% | 403 |
| Pretax return on assets | 1.9694% | 642 |
| Return on Equity (ROE) | 18.4882% | 376 |
| Retained earnings to average equity (ytd only) | 2.6159% | 4,207 |
| Net charge-offs to loans | -0.0230% | 4,624 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7000% | 5,261 |
| Assets per employee ($millions) | 4.7405% | 2,765 |
| Cash dividends to net income (ytd only)* | 85.8509% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 64.4146% | 3,349 |
| Net loans and leases to deposits | 72.9593% | 3,632 |
| Net loans and leases to core deposits | 85.1648% | 3,001 |
| Total domestic deposits to total assets | 88.2884% | 1,224 |
| Equity capital to assets | 10.8812% | 2,751 |
| Core capital (leverage) ratio | 10.8319% | 2,670 |
| Tier 1 risk-based capital ratio | 15.3854% | 2,696 |
| Total risk-based capital ratio | 16.1723% | 2,833 |
| Memoranda: | ||
| Average total assets | $53,112,670 | 4,999 |
| Average earning assets | $48,914,330 | 4,984 |
| Average equity | $5,657,670 | 5,058 |
| Average total loans | $34,810,000 | 4,787 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 3,104 |
| Cost of funding earning assets | 0.5885% | 2,126 |
| Net interest margin | 3.5470% | 3,354 |
| Noninterest income to average assets | 0.4926% | 2,848 |
| Noninterest expense to average assets | 1.5523% | 5,356 |
| Loan and lease loss provision to assets | 0.1119% | 1,686 |
| Net operating income to assets | 2.1121% | 284 |
| Return on assets (ROA) | 2.1121% | 285 |
| Pretax return on assets | 2.1121% | 450 |
| Return on Equity (ROE) | 20.0372% | 242 |
| Retained earnings to average equity (ytd only) | -1.6993% | 4,982 |
| Net charge-offs to loans | -0.0227% | 4,619 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1067% | 5,431 |
| Assets per employee ($millions) | 6.0128% | 1,504 |
| Cash dividends to net income (ytd only)* | 108.4806% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.4387% | 3,250 |
| Net loans and leases to deposits | 72.4231% | 3,564 |
| Net loans and leases to core deposits | 83.8588% | 2,994 |
| Total domestic deposits to total assets | 88.9753% | 1,102 |
| Equity capital to assets | 10.2910% | 3,293 |
| Core capital (leverage) ratio | 10.4792% | 2,970 |
| Tier 1 risk-based capital ratio | 14.4233% | 3,158 |
| Total risk-based capital ratio | 15.1306% | 3,358 |
| Memoranda: | ||
| Average total assets | $53,596,500 | 5,045 |
| Average earning assets | $49,620,000 | 5,034 |
| Average equity | $5,649,500 | 5,111 |
| Average total loans | $35,275,000 | 4,822 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,938 |
| Cost of funding earning assets | 0.5393% | 2,040 |
| Net interest margin | 3.5940% | 3,192 |
| Noninterest income to average assets | 0.4467% | 3,333 |
| Noninterest expense to average assets | 2.2097% | 4,508 |
| Loan and lease loss provision to assets | 0.1191% | 1,920 |
| Net operating income to assets | 1.4255% | 961 |
| Return on assets (ROA) | 1.4255% | 979 |
| Pretax return on assets | 1.4255% | 1,907 |
| Return on Equity (ROE) | 12.7350% | 1,014 |
| Retained earnings to average equity (ytd only) | 2.3235% | 3,930 |
| Net charge-offs to loans | -0.0058% | 4,666 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8577% | 4,434 |
| Assets per employee ($millions) | 5.8976% | 1,588 |
| Cash dividends to net income (ytd only)* | 81.7549% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 5,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.2195% | 3,073 |
| Net loans and leases to deposits | 74.8387% | 3,441 |
| Net loans and leases to core deposits | 86.9354% | 2,829 |
| Total domestic deposits to total assets | 88.4830% | 1,259 |
| Equity capital to assets | 10.7954% | 2,843 |
| Core capital (leverage) ratio | 10.7289% | 2,612 |
| Tier 1 risk-based capital ratio | 14.3763% | 3,158 |
| Total risk-based capital ratio | 15.0334% | 3,394 |
| Memoranda: | ||
| Average total assets | $50,369,600 | 5,149 |
| Average earning assets | $46,355,600 | 5,143 |
| Average equity | $5,638,000 | 5,153 |
| Average total loans | $34,230,400 | 4,894 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,964 |
| Cost of funding earning assets | 0.5161% | 2,141 |
| Net interest margin | 3.5924% | 3,181 |
| Noninterest income to average assets | 0.3998% | 3,690 |
| Noninterest expense to average assets | 1.9587% | 5,030 |
| Loan and lease loss provision to assets | 0.1207% | 1,794 |
| Net operating income to assets | 1.6260% | 671 |
| Return on assets (ROA) | 1.6260% | 693 |
| Pretax return on assets | 1.6260% | 1,326 |
| Return on Equity (ROE) | 14.3897% | 757 |
| Retained earnings to average equity (ytd only) | 3.1818% | 4,021 |
| Net charge-offs to loans | -0.0079% | 4,565 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8602% | 5,036 |
| Assets per employee ($millions) | 5.8052% | 1,650 |
| Cash dividends to net income (ytd only)* | 77.8881% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 5,156 |
| Loan loss allowance to noncurrent loans | 34.1808% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 1,168 |
| Noncurrent loans to loans | 2.0142% | 846 |
| Net loans and leases to total assets | 66.8153% | 3,001 |
| Net loans and leases to deposits | 75.7557% | 3,397 |
| Net loans and leases to core deposits | 88.2120% | 2,753 |
| Total domestic deposits to total assets | 88.1984% | 1,261 |
| Equity capital to assets | 11.1260% | 2,739 |
| Core capital (leverage) ratio | 11.0389% | 2,418 |
| Tier 1 risk-based capital ratio | 14.1355% | 3,387 |
| Total risk-based capital ratio | 14.7441% | 3,619 |
| Memoranda: | ||
| Average total assets | $49,692,500 | 5,220 |
| Average earning assets | $45,725,750 | 5,210 |
| Average equity | $5,615,000 | 5,220 |
| Average total loans | $33,936,750 | 4,952 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,138 |
| Cost of funding earning assets | 0.4957% | 2,199 |
| Net interest margin | 3.5237% | 3,313 |
| Noninterest income to average assets | 0.4218% | 3,548 |
| Noninterest expense to average assets | 1.9901% | 4,993 |
| Loan and lease loss provision to assets | 0.1228% | 1,685 |
| Net operating income to assets | 1.5397% | 802 |
| Return on assets (ROA) | 1.5397% | 824 |
| Pretax return on assets | 1.5397% | 1,528 |
| Return on Equity (ROE) | 13.5520% | 912 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | -0.0179% | 4,738 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4843% | 4,976 |
| Assets per employee ($millions) | 4.9982% | 2,392 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 5,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.2549% | 2,625 |
| Net loans and leases to deposits | 78.7653% | 3,040 |
| Net loans and leases to core deposits | 92.7519% | 2,276 |
| Total domestic deposits to total assets | 87.9257% | 1,495 |
| Equity capital to assets | 11.3881% | 2,420 |
| Core capital (leverage) ratio | 11.2405% | 2,190 |
| Tier 1 risk-based capital ratio | 14.0371% | 3,415 |
| Total risk-based capital ratio | 14.6207% | 3,683 |
| Memoranda: | ||
| Average total assets | $48,841,000 | 5,276 |
| Average earning assets | $44,782,000 | 5,274 |
| Average equity | $5,549,000 | 5,266 |
| Average total loans | $33,532,000 | 4,992 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,073 |
| Cost of funding earning assets | 0.4705% | 2,347 |
| Net interest margin | 3.5195% | 3,203 |
| Noninterest income to average assets | 0.4475% | 3,329 |
| Noninterest expense to average assets | 2.0219% | 4,999 |
| Loan and lease loss provision to assets | 0.1243% | 1,544 |
| Net operating income to assets | 1.5247% | 772 |
| Return on assets (ROA) | 1.5247% | 799 |
| Pretax return on assets | 1.5247% | 1,456 |
| Return on Equity (ROE) | 13.4368% | 916 |
| Retained earnings to average equity (ytd only) | -7.3026% | 5,502 |
| Net charge-offs to loans | -0.0243% | 4,843 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0790% | 5,033 |
| Assets per employee ($millions) | 4.4811% | 3,193 |
| Cash dividends to net income (ytd only)* | 154.3478% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 5,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.8689% | 2,841 |
| Net loans and leases to deposits | 75.6576% | 3,236 |
| Net loans and leases to core deposits | 87.6156% | 2,583 |
| Total domestic deposits to total assets | 88.3835% | 1,496 |
| Equity capital to assets | 10.9632% | 2,668 |
| Core capital (leverage) ratio | 11.1008% | 2,270 |
| Tier 1 risk-based capital ratio | 14.2032% | 3,361 |
| Total risk-based capital ratio | 14.7626% | 3,684 |
| Memoranda: | ||
| Average total assets | $48,270,500 | 5,344 |
| Average earning assets | $44,210,500 | 5,341 |
| Average equity | $5,477,500 | 5,325 |
| Average total loans | $32,876,500 | 5,065 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,037 |
| Cost of funding earning assets | 0.4423% | 2,596 |
| Net interest margin | 3.6043% | 3,056 |
| Noninterest income to average assets | 0.5686% | 2,825 |
| Noninterest expense to average assets | 2.2269% | 4,709 |
| Loan and lease loss provision to assets | 0.1185% | 2,093 |
| Net operating income to assets | 1.5227% | 794 |
| Return on assets (ROA) | 1.5227% | 823 |
| Pretax return on assets | 1.5227% | 1,520 |
| Return on Equity (ROE) | 12.2871% | 1,172 |
| Retained earnings to average equity (ytd only) | 2.7459% | 3,947 |
| Net charge-offs to loans | -0.0368% | 5,311 |
| Credit loss provision to net charge-offs | -458.3333% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5724% | 4,898 |
| Assets per employee ($millions) | 4.2954% | 3,440 |
| Cash dividends to net income (ytd only)* | 77.6521% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 5,537 |
| Loan loss allowance to noncurrent loans | 2,785.7143% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,340 |
| Noncurrent loans to loans | 0.0215% | 5,185 |
| Net loans and leases to total assets | 68.5411% | 2,693 |
| Net loans and leases to deposits | 78.2492% | 3,070 |
| Net loans and leases to core deposits | 89.0407% | 2,585 |
| Total domestic deposits to total assets | 87.5934% | 1,834 |
| Equity capital to assets | 11.7484% | 1,969 |
| Core capital (leverage) ratio | 11.9837% | 1,611 |
| Tier 1 risk-based capital ratio | 14.6614% | 3,119 |
| Total risk-based capital ratio | 15.1722% | 3,419 |
| Memoranda: | ||
| Average total assets | $46,431,800 | 5,413 |
| Average earning assets | $42,504,200 | 5,414 |
| Average equity | $5,754,000 | 5,323 |
| Average total loans | $32,604,200 | 5,115 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 2,985 |
| Cost of funding earning assets | 0.4414% | 2,623 |
| Net interest margin | 3.6288% | 2,973 |
| Noninterest income to average assets | 0.6259% | 2,543 |
| Noninterest expense to average assets | 2.0045% | 5,191 |
| Loan and lease loss provision to assets | 0.1154% | 2,004 |
| Net operating income to assets | 1.8257% | 459 |
| Return on assets (ROA) | 1.8257% | 485 |
| Pretax return on assets | 1.8257% | 851 |
| Return on Equity (ROE) | 14.5395% | 733 |
| Retained earnings to average equity (ytd only) | 3.9966% | 3,463 |
| Net charge-offs to loans | -0.0327% | 5,195 |
| Credit loss provision to net charge-offs | -500.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8041% | 5,453 |
| Assets per employee ($millions) | 3.8439% | 4,229 |
| Cash dividends to net income (ytd only)* | 72.5112% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 5,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.3043% | 2,597 |
| Net loans and leases to deposits | 80.1062% | 2,949 |
| Net loans and leases to core deposits | 91.5831% | 2,431 |
| Total domestic deposits to total assets | 86.5155% | 2,120 |
| Equity capital to assets | 12.8233% | 1,585 |
| Core capital (leverage) ratio | 12.1652% | 1,565 |
| Tier 1 risk-based capital ratio | 14.9040% | 3,095 |
| Total risk-based capital ratio | 15.3715% | 3,418 |
| Memoranda: | ||
| Average total assets | $46,227,500 | 5,472 |
| Average earning assets | $42,290,000 | 5,474 |
| Average equity | $5,804,750 | 5,369 |
| Average total loans | $32,610,250 | 5,163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,973 |
| Cost of funding earning assets | 0.4370% | 2,681 |
| Net interest margin | 3.6381% | 2,940 |
| Noninterest income to average assets | 0.7133% | 2,077 |
| Noninterest expense to average assets | 1.9325% | 5,401 |
| Loan and lease loss provision to assets | 0.1297% | 1,764 |
| Net operating income to assets | 1.9628% | 356 |
| Return on assets (ROA) | 1.9628% | 373 |
| Pretax return on assets | 1.9628% | 614 |
| Return on Equity (ROE) | 15.7420% | 568 |
| Retained earnings to average equity (ytd only) | 3.7101% | 3,529 |
| Net charge-offs to loans | -0.0122% | 4,763 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0129% | 5,665 |
| Assets per employee ($millions) | 4.2630% | 3,444 |
| Cash dividends to net income (ytd only)* | 76.4317% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4845% | 5,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.0830% | 2,466 |
| Net loans and leases to deposits | 80.7469% | 2,848 |
| Net loans and leases to core deposits | 91.9813% | 2,352 |
| Total domestic deposits to total assets | 86.7933% | 2,015 |
| Equity capital to assets | 12.5840% | 1,718 |
| Core capital (leverage) ratio | 11.9641% | 1,649 |
| Tier 1 risk-based capital ratio | 14.3555% | 3,400 |
| Total risk-based capital ratio | 14.7689% | 3,798 |
| Memoranda: | ||
| Average total assets | $46,261,000 | 5,538 |
| Average earning assets | $42,109,330 | 5,539 |
| Average equity | $5,768,000 | 5,428 |
| Average total loans | $32,765,670 | 5,206 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 2,874 |
| Cost of funding earning assets | 0.4419% | 2,669 |
| Net interest margin | 3.6501% | 2,887 |
| Noninterest income to average assets | 0.8184% | 1,565 |
| Noninterest expense to average assets | 2.0024% | 5,330 |
| Loan and lease loss provision to assets | 0.1306% | 1,617 |
| Net operating income to assets | 1.9937% | 340 |
| Return on assets (ROA) | 1.9937% | 358 |
| Pretax return on assets | 1.9937% | 579 |
| Return on Equity (ROE) | 16.0659% | 528 |
| Retained earnings to average equity (ytd only) | -0.2105% | 5,143 |
| Net charge-offs to loans | -0.0245% | 4,974 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5232% | 5,701 |
| Assets per employee ($millions) | 4.2280% | 3,539 |
| Cash dividends to net income (ytd only)* | 101.3100% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4457% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.6353% | 2,402 |
| Net loans and leases to deposits | 79.9260% | 2,796 |
| Net loans and leases to core deposits | 91.0205% | 2,279 |
| Total domestic deposits to total assets | 87.1248% | 2,143 |
| Equity capital to assets | 12.2775% | 1,847 |
| Core capital (leverage) ratio | 11.8298% | 1,726 |
| Tier 1 risk-based capital ratio | 14.3399% | 3,474 |
| Total risk-based capital ratio | 14.7219% | 3,921 |
| Memoranda: | ||
| Average total assets | $45,945,000 | 5,593 |
| Average earning assets | $41,643,000 | 5,597 |
| Average equity | $5,701,500 | 5,473 |
| Average total loans | $32,636,500 | 5,247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,963 |
| Cost of funding earning assets | 0.3884% | 3,280 |
| Net interest margin | 3.4367% | 3,768 |
| Noninterest income to average assets | 0.8209% | 1,706 |
| Noninterest expense to average assets | 2.4049% | 4,500 |
| Loan and lease loss provision to assets | 0.1265% | 1,910 |
| Net operating income to assets | 1.4110% | 1,022 |
| Return on assets (ROA) | 1.4110% | 1,059 |
| Pretax return on assets | 1.4110% | 1,851 |
| Return on Equity (ROE) | 11.4930% | 1,440 |
| Retained earnings to average equity (ytd only) | 3.6322% | 3,468 |
| Net charge-offs to loans | 0.0879% | 2,566 |
| Credit loss provision to net charge-offs | 219.2308% | 1,293 |
| Earnings coverage of net charge-offs (x) | 26.6538% | 1,576 |
| Efficiency ratio | 61.0017% | 4,764 |
| Assets per employee ($millions) | 3.7818% | 4,317 |
| Cash dividends to net income (ytd only)* | 68.3962% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3909% | 6,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.8655% | 2,078 |
| Net loans and leases to deposits | 82.7389% | 2,506 |
| Net loans and leases to core deposits | 94.5114% | 2,001 |
| Total domestic deposits to total assets | 86.8582% | 2,215 |
| Equity capital to assets | 12.5446% | 1,603 |
| Core capital (leverage) ratio | 12.1527% | 1,526 |
| Tier 1 risk-based capital ratio | 14.9359% | 3,206 |
| Total risk-based capital ratio | 15.2856% | 3,616 |
| Memoranda: | ||
| Average total assets | $45,075,200 | 5,656 |
| Average earning assets | $40,940,000 | 5,649 |
| Average equity | $5,533,800 | 5,534 |
| Average total loans | $29,582,800 | 5,373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 4,151 |
| Cost of funding earning assets | 0.3779% | 3,462 |
| Net interest margin | 3.4046% | 3,933 |
| Noninterest income to average assets | 0.8326% | 1,683 |
| Noninterest expense to average assets | 2.1719% | 5,124 |
| Loan and lease loss provision to assets | 0.1244% | 1,820 |
| Net operating income to assets | 1.6326% | 714 |
| Return on assets (ROA) | 1.6326% | 739 |
| Pretax return on assets | 1.6326% | 1,289 |
| Return on Equity (ROE) | 13.3719% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.1449% | 2,809 |
| Net charge-offs to loans | 0.0509% | 2,883 |
| Credit loss provision to net charge-offs | 381.8182% | 790 |
| Earnings coverage of net charge-offs (x) | 53.8957% | 995 |
| Efficiency ratio | 55.2790% | 5,427 |
| Assets per employee ($millions) | 3.7788% | 4,304 |
| Cash dividends to net income (ytd only)* | 61.5245% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 6,055 |
| Loan loss allowance to noncurrent loans | 328.2051% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,405 |
| Noncurrent loans to loans | 0.1364% | 5,086 |
| Net loans and leases to total assets | 62.7831% | 3,488 |
| Net loans and leases to deposits | 72.1501% | 3,746 |
| Net loans and leases to core deposits | 82.8527% | 3,164 |
| Total domestic deposits to total assets | 87.0173% | 2,032 |
| Equity capital to assets | 12.4336% | 1,782 |
| Core capital (leverage) ratio | 12.4082% | 1,459 |
| Tier 1 risk-based capital ratio | 15.9069% | 2,843 |
| Total risk-based capital ratio | 16.2788% | 3,217 |
| Memoranda: | ||
| Average total assets | $44,998,500 | 5,731 |
| Average earning assets | $40,923,500 | 5,727 |
| Average equity | $5,494,000 | 5,613 |
| Average total loans | $28,793,000 | 5,476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,216 |
| Cost of funding earning assets | 0.3832% | 3,445 |
| Net interest margin | 3.3748% | 3,986 |
| Noninterest income to average assets | 0.8244% | 1,680 |
| Noninterest expense to average assets | 2.1701% | 5,180 |
| Loan and lease loss provision to assets | 0.1203% | 1,836 |
| Net operating income to assets | 1.5953% | 748 |
| Return on assets (ROA) | 1.5953% | 776 |
| Pretax return on assets | 1.5953% | 1,340 |
| Return on Equity (ROE) | 13.1473% | 1,085 |
| Retained earnings to average equity (ytd only) | 4.0764% | 3,428 |
| Net charge-offs to loans | 0.0901% | 2,130 |
| Credit loss provision to net charge-offs | 207.6923% | 1,198 |
| Earnings coverage of net charge-offs (x) | 29.6154% | 1,374 |
| Efficiency ratio | 55.8486% | 5,444 |
| Assets per employee ($millions) | 3.7078% | 4,410 |
| Cash dividends to net income (ytd only)* | 68.9944% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3665% | 6,176 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,487 |
| Noncurrent loans to loans | 0.1387% | 5,192 |
| Net loans and leases to total assets | 67.8264% | 2,672 |
| Net loans and leases to deposits | 77.8205% | 3,055 |
| Net loans and leases to core deposits | 89.3131% | 2,415 |
| Total domestic deposits to total assets | 87.1575% | 2,081 |
| Equity capital to assets | 12.2896% | 1,812 |
| Core capital (leverage) ratio | 12.0018% | 1,661 |
| Tier 1 risk-based capital ratio | 15.0895% | 3,306 |
| Total risk-based capital ratio | 15.4013% | 3,770 |
| Memoranda: | ||
| Average total assets | $44,883,000 | 5,796 |
| Average earning assets | $40,713,000 | 5,794 |
| Average equity | $5,446,000 | 5,674 |
| Average total loans | $28,858,330 | 5,524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 4,305 |
| Cost of funding earning assets | 0.3815% | 3,511 |
| Net interest margin | 3.3359% | 4,077 |
| Noninterest income to average assets | 0.8162% | 1,653 |
| Noninterest expense to average assets | 2.1824% | 5,198 |
| Loan and lease loss provision to assets | 0.1065% | 1,928 |
| Net operating income to assets | 1.5525% | 773 |
| Return on assets (ROA) | 1.5525% | 816 |
| Pretax return on assets | 1.5525% | 1,382 |
| Return on Equity (ROE) | 12.8547% | 1,130 |
| Retained earnings to average equity (ytd only) | -0.4407% | 5,461 |
| Net charge-offs to loans | 0.1990% | 1,140 |
| Credit loss provision to net charge-offs | 85.7143% | 1,774 |
| Earnings coverage of net charge-offs (x) | 13.3571% | 1,729 |
| Efficiency ratio | 56.8129% | 5,456 |
| Assets per employee ($millions) | 3.8854% | 4,194 |
| Cash dividends to net income (ytd only)* | 103.4286% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3275% | 6,282 |
| Loan loss allowance to noncurrent loans | 153.2258% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,424 |
| Noncurrent loans to loans | 0.2137% | 5,015 |
| Net loans and leases to total assets | 62.0118% | 3,364 |
| Net loans and leases to deposits | 70.6470% | 3,672 |
| Net loans and leases to core deposits | 80.3898% | 3,117 |
| Total domestic deposits to total assets | 87.7769% | 1,944 |
| Equity capital to assets | 11.7190% | 2,270 |
| Core capital (leverage) ratio | 11.6939% | 1,855 |
| Tier 1 risk-based capital ratio | 15.1234% | 3,368 |
| Total risk-based capital ratio | 15.3956% | 3,845 |
| Memoranda: | ||
| Average total assets | $45,088,500 | 5,841 |
| Average earning assets | $40,888,000 | 5,842 |
| Average equity | $5,445,500 | 5,727 |
| Average total loans | $28,143,000 | 5,589 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 4,771 |
| Cost of funding earning assets | 0.4044% | 3,655 |
| Net interest margin | 3.2999% | 4,567 |
| Noninterest income to average assets | 0.9293% | 1,415 |
| Noninterest expense to average assets | 2.5784% | 4,299 |
| Loan and lease loss provision to assets | 0.1956% | 1,307 |
| Net operating income to assets | 1.1203% | 1,905 |
| Return on assets (ROA) | 1.1250% | 1,937 |
| Pretax return on assets | 1.1250% | 2,986 |
| Return on Equity (ROE) | 8.9312% | 2,626 |
| Retained earnings to average equity (ytd only) | -0.6287% | 5,867 |
| Net charge-offs to loans | 0.1735% | 2,291 |
| Credit loss provision to net charge-offs | 195.3488% | 1,265 |
| Earnings coverage of net charge-offs (x) | 13.1395% | 2,301 |
| Efficiency ratio | 66.2081% | 4,214 |
| Assets per employee ($millions) | 3.9593% | 4,044 |
| Cash dividends to net income (ytd only)* | 107.0393% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3556% | 6,347 |
| Loan loss allowance to noncurrent loans | 159.0164% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 5,472 |
| Noncurrent loans to loans | 0.2236% | 5,026 |
| Net loans and leases to total assets | 62.4105% | 3,448 |
| Net loans and leases to deposits | 71.7290% | 3,712 |
| Net loans and leases to core deposits | 78.8884% | 3,424 |
| Total domestic deposits to total assets | 87.0086% | 2,282 |
| Equity capital to assets | 12.4610% | 1,673 |
| Core capital (leverage) ratio | 11.8409% | 1,740 |
| Tier 1 risk-based capital ratio | 16.1976% | 2,859 |
| Total risk-based capital ratio | 16.4996% | 3,298 |
| Memoranda: | ||
| Average total assets | $42,934,000 | 5,952 |
| Average earning assets | $38,576,600 | 5,967 |
| Average equity | $5,408,000 | 5,762 |
| Average total loans | $24,780,000 | 5,787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,839 |
| Cost of funding earning assets | 0.3994% | 3,788 |
| Net interest margin | 3.3064% | 4,581 |
| Noninterest income to average assets | 0.9537% | 1,354 |
| Noninterest expense to average assets | 2.4279% | 4,737 |
| Loan and lease loss provision to assets | 0.0842% | 2,671 |
| Net operating income to assets | 1.4087% | 1,113 |
| Return on assets (ROA) | 1.4150% | 1,137 |
| Pretax return on assets | 1.4150% | 1,949 |
| Return on Equity (ROE) | 11.2029% | 1,713 |
| Retained earnings to average equity (ytd only) | 0.6417% | 5,612 |
| Net charge-offs to loans | -0.0276% | 5,713 |
| Credit loss provision to net charge-offs | -540.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9237% | 4,895 |
| Assets per employee ($millions) | 4.4624% | 3,036 |
| Cash dividends to net income (ytd only)* | 94.2725% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3449% | 6,441 |
| Loan loss allowance to noncurrent loans | 41.7062% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 4,479 |
| Noncurrent loans to loans | 0.8269% | 3,508 |
| Net loans and leases to total assets | 56.9850% | 4,205 |
| Net loans and leases to deposits | 65.3081% | 4,402 |
| Net loans and leases to core deposits | 71.9981% | 4,154 |
| Total domestic deposits to total assets | 87.2557% | 2,175 |
| Equity capital to assets | 12.2468% | 1,871 |
| Core capital (leverage) ratio | 12.0646% | 1,662 |
| Tier 1 risk-based capital ratio | 17.1942% | 2,530 |
| Total risk-based capital ratio | 17.4820% | 2,894 |
| Memoranda: | ||
| Average total assets | $42,779,500 | 6,028 |
| Average earning assets | $38,389,000 | 6,042 |
| Average equity | $5,403,250 | 5,822 |
| Average total loans | $24,155,500 | 5,878 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 5,244 |
| Cost of funding earning assets | 0.3940% | 3,931 |
| Net interest margin | 3.1732% | 5,032 |
| Noninterest income to average assets | 0.9724% | 1,281 |
| Noninterest expense to average assets | 2.4618% | 4,693 |
| Loan and lease loss provision to assets | 0.0711% | 2,852 |
| Net operating income to assets | 1.3044% | 1,295 |
| Return on assets (ROA) | 1.3139% | 1,318 |
| Pretax return on assets | 1.3139% | 2,205 |
| Return on Equity (ROE) | 10.2923% | 2,018 |
| Retained earnings to average equity (ytd only) | -0.4830% | 5,767 |
| Net charge-offs to loans | -0.0253% | 5,619 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1533% | 4,666 |
| Assets per employee ($millions) | 4.3616% | 3,157 |
| Cash dividends to net income (ytd only)* | 104.6931% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2768% | 6,544 |
| Loan loss allowance to noncurrent loans | 39.0625% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 4,685 |
| Noncurrent loans to loans | 0.7086% | 3,937 |
| Net loans and leases to total assets | 61.9475% | 3,419 |
| Net loans and leases to deposits | 71.0540% | 3,699 |
| Net loans and leases to core deposits | 78.1302% | 3,425 |
| Total domestic deposits to total assets | 87.1836% | 2,354 |
| Equity capital to assets | 12.3670% | 1,728 |
| Core capital (leverage) ratio | 12.3062% | 1,492 |
| Tier 1 risk-based capital ratio | 17.4182% | 2,454 |
| Total risk-based capital ratio | 17.6687% | 2,825 |
| Memoranda: | ||
| Average total assets | $42,164,670 | 6,102 |
| Average earning assets | $38,069,330 | 6,108 |
| Average equity | $5,382,670 | 5,870 |
| Average total loans | $23,701,670 | 5,940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3987% | 5,650 |
| Cost of funding earning assets | 0.3967% | 4,014 |
| Net interest margin | 3.0020% | 5,516 |
| Noninterest income to average assets | 0.9846% | 1,164 |
| Noninterest expense to average assets | 2.5387% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1487% | 1,637 |
| Return on assets (ROA) | 1.1680% | 1,643 |
| Pretax return on assets | 1.1680% | 2,630 |
| Return on Equity (ROE) | 9.0013% | 2,462 |
| Retained earnings to average equity (ytd only) | 6.0257% | 2,525 |
| Net charge-offs to loans | -0.0182% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8482% | 4,033 |
| Assets per employee ($millions) | 3.8042% | 4,317 |
| Cash dividends to net income (ytd only)* | 33.0579% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2576% | 6,617 |
| Loan loss allowance to noncurrent loans | 28.5714% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,689 |
| Noncurrent loans to loans | 0.9015% | 3,628 |
| Net loans and leases to total assets | 53.6730% | 4,467 |
| Net loans and leases to deposits | 61.9723% | 4,549 |
| Net loans and leases to core deposits | 68.4151% | 4,268 |
| Total domestic deposits to total assets | 86.6080% | 3,040 |
| Equity capital to assets | 12.9451% | 1,329 |
| Core capital (leverage) ratio | 12.7733% | 1,257 |
| Tier 1 risk-based capital ratio | 20.6380% | 1,551 |
| Total risk-based capital ratio | 20.8636% | 1,787 |
| Memoranda: | ||
| Average total assets | $41,439,000 | 6,181 |
| Average earning assets | $37,308,500 | 6,193 |
| Average equity | $5,377,000 | 5,904 |
| Average total loans | $22,005,500 | 6,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0129% | 6,331 |
| Cost of funding earning assets | 0.3953% | 4,699 |
| Net interest margin | 2.6176% | 6,243 |
| Noninterest income to average assets | 1.0269% | 1,329 |
| Noninterest expense to average assets | 2.5274% | 4,679 |
| Loan and lease loss provision to assets | 0.0744% | 3,627 |
| Net operating income to assets | 0.7739% | 3,426 |
| Return on assets (ROA) | 0.7739% | 3,520 |
| Pretax return on assets | 0.7739% | 4,248 |
| Return on Equity (ROE) | 5.9791% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.9791% | 1,983 |
| Net charge-offs to loans | -0.1545% | 6,569 |
| Credit loss provision to net charge-offs | -120.0000% | 5,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8714% | 2,971 |
| Assets per employee ($millions) | 3.7302% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2605% | 6,695 |
| Loan loss allowance to noncurrent loans | 27.4510% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 4,746 |
| Noncurrent loans to loans | 0.9491% | 3,614 |
| Net loans and leases to total assets | 52.2446% | 4,814 |
| Net loans and leases to deposits | 60.3672% | 4,909 |
| Net loans and leases to core deposits | 66.7258% | 4,634 |
| Total domestic deposits to total assets | 86.5446% | 2,974 |
| Equity capital to assets | 13.0069% | 1,268 |
| Core capital (leverage) ratio | 12.7513% | 1,236 |
| Tier 1 risk-based capital ratio | 21.0391% | 1,411 |
| Total risk-based capital ratio | 21.2648% | 1,623 |
| Memoranda: | ||
| Average total assets | $40,317,400 | 6,279 |
| Average earning assets | $36,177,800 | 6,282 |
| Average equity | $5,218,200 | 6,013 |
| Average total loans | $16,184,400 | 6,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8731% | 6,511 |
| Cost of funding earning assets | 0.3957% | 4,852 |
| Net interest margin | 2.4775% | 6,447 |
| Noninterest income to average assets | 1.1593% | 1,089 |
| Noninterest expense to average assets | 2.4116% | 4,995 |
| Loan and lease loss provision to assets | 0.0664% | 3,727 |
| Net operating income to assets | 0.9068% | 2,800 |
| Return on assets (ROA) | 0.9068% | 2,908 |
| Pretax return on assets | 0.9068% | 3,850 |
| Return on Equity (ROE) | 7.0153% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.0153% | 1,867 |
| Net charge-offs to loans | -0.1974% | 6,649 |
| Credit loss provision to net charge-offs | -90.9091% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2463% | 3,562 |
| Assets per employee ($millions) | 3.6740% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2305% | 6,782 |
| Loan loss allowance to noncurrent loans | 537.5000% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 6,433 |
| Noncurrent loans to loans | 0.0429% | 6,215 |
| Net loans and leases to total assets | 46.0459% | 5,549 |
| Net loans and leases to deposits | 53.3133% | 5,604 |
| Net loans and leases to core deposits | 58.9882% | 5,369 |
| Total domestic deposits to total assets | 86.3686% | 3,044 |
| Equity capital to assets | 13.1761% | 1,251 |
| Core capital (leverage) ratio | 13.0944% | 1,169 |
| Tier 1 risk-based capital ratio | 23.7296% | 1,043 |
| Total risk-based capital ratio | 23.9257% | 1,179 |
| Memoranda: | ||
| Average total assets | $40,138,750 | 6,355 |
| Average earning assets | $36,057,000 | 6,354 |
| Average equity | $5,188,500 | 6,093 |
| Average total loans | $14,857,250 | 6,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7290% | 6,649 |
| Cost of funding earning assets | 0.4074% | 4,870 |
| Net interest margin | 2.3216% | 6,602 |
| Noninterest income to average assets | 1.4233% | 780 |
| Noninterest expense to average assets | 2.4122% | 5,017 |
| Loan and lease loss provision to assets | 0.0250% | 4,422 |
| Net operating income to assets | 1.0638% | 2,061 |
| Return on assets (ROA) | 1.0638% | 2,180 |
| Pretax return on assets | 1.0638% | 3,251 |
| Return on Equity (ROE) | 8.2831% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.2831% | 1,371 |
| Net charge-offs to loans | -0.3973% | 6,799 |
| Credit loss provision to net charge-offs | -18.5185% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9016% | 4,027 |
| Assets per employee ($millions) | 3.5746% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2015% | 6,835 |
| Loan loss allowance to noncurrent loans | 106.4516% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 6,263 |
| Noncurrent loans to loans | 0.1893% | 5,840 |
| Net loans and leases to total assets | 41.5707% | 5,930 |
| Net loans and leases to deposits | 48.2981% | 5,968 |
| Net loans and leases to core deposits | 53.5689% | 5,783 |
| Total domestic deposits to total assets | 86.0711% | 3,323 |
| Equity capital to assets | 13.4407% | 1,166 |
| Core capital (leverage) ratio | 12.7828% | 1,252 |
| Tier 1 risk-based capital ratio | 22.9502% | 1,142 |
| Total risk-based capital ratio | 23.0975% | 1,288 |
| Memoranda: | ||
| Average total assets | $40,047,000 | 6,397 |
| Average earning assets | $35,837,330 | 6,409 |
| Average equity | $5,143,000 | 6,143 |
| Average total loans | $13,592,330 | 6,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5254% | 6,806 |
| Cost of funding earning assets | 0.4098% | 5,013 |
| Net interest margin | 2.1156% | 6,804 |
| Noninterest income to average assets | 0.7523% | 2,328 |
| Noninterest expense to average assets | 2.3855% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2673% | 5,674 |
| Return on assets (ROA) | 0.2673% | 5,796 |
| Pretax return on assets | 0.2574% | 5,940 |
| Return on Equity (ROE) | 2.1293% | 5,895 |
| Retained earnings to average equity (ytd only) | 2.1293% | 4,939 |
| Net charge-offs to loans | -0.8197% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2622% | 1,124 |
| Assets per employee ($millions) | 3.3705% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2067% | 6,911 |
| Loan loss allowance to noncurrent loans | 123.8095% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 6,454 |
| Noncurrent loans to loans | 0.1669% | 5,982 |
| Net loans and leases to total assets | 31.0414% | 6,562 |
| Net loans and leases to deposits | 35.7001% | 6,583 |
| Net loans and leases to core deposits | 39.4105% | 6,506 |
| Total domestic deposits to total assets | 86.9505% | 2,990 |
| Equity capital to assets | 12.6045% | 1,648 |
| Core capital (leverage) ratio | 12.2881% | 1,426 |
| Tier 1 risk-based capital ratio | 24.8459% | 908 |
| Total risk-based capital ratio | 24.9762% | 1,036 |
| Memoranda: | ||
| Average total assets | $40,410,000 | 6,446 |
| Average earning assets | $36,112,500 | 6,465 |
| Average equity | $5,072,000 | 6,228 |
| Average total loans | $12,199,000 | 6,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1657% | 7,075 |
| Cost of funding earning assets | 0.0109% | 7,061 |
| Net interest margin | 0.1549% | 7,072 |
| Noninterest income to average assets | 1.7947% | 514 |
| Noninterest expense to average assets | 0.2603% | 7,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6067% | 746 |
| Return on assets (ROA) | 1.2390% | 1,642 |
| Pretax return on assets | 1.2941% | 2,434 |
| Return on Equity (ROE) | 10.3891% | 2,004 |
| Retained earnings to average equity (ytd only) | 4.0927% | 3,334 |
| Net charge-offs to loans | -0.0081% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.4367% | 7,065 |
| Assets per employee ($millions) | 3.3645% | 5,302 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0085% | 7,007 |
| Loan loss allowance to noncurrent loans | 4.5455% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 6,492 |
| Noncurrent loans to loans | 0.1862% | 6,006 |
| Net loans and leases to total assets | 29.2664% | 6,722 |
| Net loans and leases to deposits | 33.6045% | 6,742 |
| Net loans and leases to core deposits | 36.6149% | 6,713 |
| Total domestic deposits to total assets | 87.0907% | 2,788 |
| Equity capital to assets | 12.4981% | 1,714 |
| Core capital (leverage) ratio | 12.4403% | 1,346 |
| Tier 1 risk-based capital ratio | 24.8888% | 866 |
| Total risk-based capital ratio | 24.8938% | 997 |
| Memoranda: | ||
| Average total assets | $39,950,800 | 6,501 |
| Average earning assets | $36,809,400 | 6,478 |
| Average equity | $4,764,600 | 6,365 |
| Average total loans | $12,317,000 | 6,767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 6,706 |
| Cost of funding earning assets | 0.5373% | 5,187 |
| Net interest margin | 2.7910% | 6,515 |
| Noninterest income to average assets | 0.9236% | 1,751 |
| Noninterest expense to average assets | 2.5598% | 4,879 |
| Loan and lease loss provision to assets | 0.1338% | 3,872 |
| Net operating income to assets | 0.6759% | 4,021 |
| Return on assets (ROA) | 0.6759% | 4,284 |
| Pretax return on assets | 0.8198% | 4,413 |
| Return on Equity (ROE) | 5.7374% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.7374% | 2,875 |
| Net charge-offs to loans | 0.5572% | 1,938 |
| Credit loss provision to net charge-offs | 76.9231% | 3,706 |
| Earnings coverage of net charge-offs (x) | 5.4809% | 3,008 |
| Efficiency ratio | 72.8571% | 3,176 |
| Assets per employee ($millions) | 3.1519% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 6,680 |
| Loan loss allowance to noncurrent loans | 478.9474% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,639 |
| Noncurrent loans to loans | 0.1573% | 6,216 |
| Net loans and leases to total assets | 29.2593% | 6,840 |
| Net loans and leases to deposits | 33.6316% | 6,876 |
| Net loans and leases to core deposits | 36.7817% | 6,840 |
| Total domestic deposits to total assets | 86.9994% | 2,668 |
| Equity capital to assets | 11.7389% | 2,493 |
| Core capital (leverage) ratio | 10.7930% | 2,613 |
| Tier 1 risk-based capital ratio | 22.0634% | 1,322 |
| Total risk-based capital ratio | 22.5246% | 1,432 |
| Memoranda: | ||
| Average total assets | $39,845,000 | 6,589 |
| Average earning assets | $36,974,500 | 6,549 |
| Average equity | $4,694,250 | 6,459 |
| Average total loans | $12,442,000 | 6,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 6,722 |
| Cost of funding earning assets | 0.5668% | 5,173 |
| Net interest margin | 2.8394% | 6,517 |
| Noninterest income to average assets | 0.9628% | 1,570 |
| Noninterest expense to average assets | 2.5996% | 4,784 |
| Loan and lease loss provision to assets | 0.1267% | 3,937 |
| Net operating income to assets | 0.7348% | 3,682 |
| Return on assets (ROA) | 0.7348% | 3,951 |
| Pretax return on assets | 0.8767% | 4,168 |
| Return on Equity (ROE) | 6.2290% | 4,194 |
| Retained earnings to average equity (ytd only) | 6.2290% | 2,550 |
| Net charge-offs to loans | 0.8438% | 1,312 |
| Credit loss provision to net charge-offs | 47.1698% | 4,102 |
| Earnings coverage of net charge-offs (x) | 3.7358% | 3,288 |
| Efficiency ratio | 72.1519% | 3,410 |
| Assets per employee ($millions) | 3.1262% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 6,934 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,696 |
| Noncurrent loans to loans | 0.1685% | 6,247 |
| Net loans and leases to total assets | 30.4774% | 6,862 |
| Net loans and leases to deposits | 34.9640% | 6,896 |
| Net loans and leases to core deposits | 38.4718% | 6,857 |
| Total domestic deposits to total assets | 87.1678% | 2,675 |
| Equity capital to assets | 11.6486% | 2,454 |
| Core capital (leverage) ratio | 10.8736% | 2,418 |
| Tier 1 risk-based capital ratio | 21.5439% | 1,380 |
| Total risk-based capital ratio | 21.9198% | 1,517 |
| Memoranda: | ||
| Average total assets | $39,468,330 | 6,647 |
| Average earning assets | $36,697,670 | 6,601 |
| Average equity | $4,655,670 | 6,498 |
| Average total loans | $12,562,670 | 6,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 6,704 |
| Cost of funding earning assets | 0.5829% | 5,269 |
| Net interest margin | 2.9145% | 6,468 |
| Noninterest income to average assets | 0.8333% | 2,020 |
| Noninterest expense to average assets | 2.5616% | 4,953 |
| Loan and lease loss provision to assets | 0.1749% | 3,214 |
| Net operating income to assets | 0.6790% | 3,988 |
| Return on assets (ROA) | 0.6790% | 4,204 |
| Pretax return on assets | 0.8230% | 4,330 |
| Return on Equity (ROE) | 5.7186% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.7186% | 3,138 |
| Net charge-offs to loans | 1.7442% | 552 |
| Credit loss provision to net charge-offs | 30.9091% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.7636% | 3,457 |
| Efficiency ratio | 71.9653% | 3,453 |
| Assets per employee ($millions) | 3.0753% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 7,045 |
| Loan loss allowance to noncurrent loans | 309.5238% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 6,761 |
| Noncurrent loans to loans | 0.1715% | 6,336 |
| Net loans and leases to total assets | 30.4660% | 6,889 |
| Net loans and leases to deposits | 34.9448% | 6,922 |
| Net loans and leases to core deposits | 38.4907% | 6,868 |
| Total domestic deposits to total assets | 87.1833% | 2,839 |
| Equity capital to assets | 11.6086% | 2,344 |
| Core capital (leverage) ratio | 11.0004% | 2,257 |
| Tier 1 risk-based capital ratio | 21.5695% | 1,371 |
| Total risk-based capital ratio | 21.9018% | 1,525 |
| Memoranda: | ||
| Average total assets | $38,882,500 | 6,715 |
| Average earning assets | $36,370,000 | 6,663 |
| Average equity | $4,616,500 | 6,542 |
| Average total loans | $12,613,500 | 6,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 6,784 |
| Cost of funding earning assets | 0.8848% | 4,222 |
| Net interest margin | 2.8685% | 6,741 |
| Noninterest income to average assets | 0.9479% | 1,512 |
| Noninterest expense to average assets | 2.7209% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7442% | 3,277 |
| Return on assets (ROA) | 0.7442% | 3,446 |
| Pretax return on assets | 0.8852% | 3,657 |
| Return on Equity (ROE) | 6.2273% | 3,763 |
| Retained earnings to average equity (ytd only) | 1.3110% | 5,240 |
| Net charge-offs to loans | -0.0891% | 7,123 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4526% | 2,983 |
| Assets per employee ($millions) | 3.1488% | 5,808 |
| Cash dividends to net income (ytd only)* | 78.9474% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 6,757 |
| Loan loss allowance to noncurrent loans | 180.7018% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,567 |
| Noncurrent loans to loans | 0.4391% | 5,830 |
| Net loans and leases to total assets | 34.0841% | 6,868 |
| Net loans and leases to deposits | 39.6472% | 6,900 |
| Net loans and leases to core deposits | 43.9661% | 6,815 |
| Total domestic deposits to total assets | 85.9683% | 3,339 |
| Equity capital to assets | 12.1526% | 2,010 |
| Core capital (leverage) ratio | 10.9281% | 2,326 |
| Tier 1 risk-based capital ratio | 20.9135% | 1,431 |
| Total risk-based capital ratio | 21.4322% | 1,570 |
| Memoranda: | ||
| Average total assets | $38,296,400 | 6,732 |
| Average earning assets | $35,489,400 | 6,695 |
| Average equity | $4,576,600 | 6,564 |
| Average total loans | $12,349,000 | 7,018 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 6,894 |
| Cost of funding earning assets | 0.9502% | 4,042 |
| Net interest margin | 2.7907% | 6,895 |
| Noninterest income to average assets | 0.9993% | 1,343 |
| Noninterest expense to average assets | 2.6719% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7773% | 3,268 |
| Return on assets (ROA) | 0.7773% | 3,432 |
| Pretax return on assets | 0.9161% | 3,699 |
| Return on Equity (ROE) | 6.5313% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.5313% | 2,225 |
| Net charge-offs to loans | -0.1093% | 7,182 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 3,091 |
| Assets per employee ($millions) | 3.0054% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 6,700 |
| Loan loss allowance to noncurrent loans | 124.3902% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 6,467 |
| Noncurrent loans to loans | 0.6900% | 5,509 |
| Net loans and leases to total assets | 30.1561% | 7,083 |
| Net loans and leases to deposits | 35.3125% | 7,090 |
| Net loans and leases to core deposits | 41.1886% | 7,000 |
| Total domestic deposits to total assets | 85.3980% | 3,556 |
| Equity capital to assets | 12.3445% | 1,999 |
| Core capital (leverage) ratio | 11.1594% | 2,275 |
| Tier 1 risk-based capital ratio | 22.5090% | 1,218 |
| Total risk-based capital ratio | 23.0408% | 1,294 |
| Memoranda: | ||
| Average total assets | $38,424,000 | 6,780 |
| Average earning assets | $35,641,250 | 6,750 |
| Average equity | $4,572,750 | 6,618 |
| Average total loans | $12,190,750 | 7,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 6,942 |
| Cost of funding earning assets | 1.0200% | 3,818 |
| Net interest margin | 2.7612% | 6,967 |
| Noninterest income to average assets | 1.1045% | 1,062 |
| Noninterest expense to average assets | 2.7010% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8375% | 2,914 |
| Return on assets (ROA) | 0.8375% | 3,020 |
| Pretax return on assets | 0.9684% | 3,365 |
| Return on Equity (ROE) | 7.1280% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1280% | 1,818 |
| Net charge-offs to loans | -0.1139% | 7,197 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6091% | 3,439 |
| Assets per employee ($millions) | 3.0314% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 6,794 |
| Loan loss allowance to noncurrent loans | 143.4783% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,601 |
| Noncurrent loans to loans | 0.5868% | 5,756 |
| Net loans and leases to total assets | 29.5879% | 7,193 |
| Net loans and leases to deposits | 34.0627% | 7,215 |
| Net loans and leases to core deposits | 39.7464% | 7,132 |
| Total domestic deposits to total assets | 86.8631% | 2,810 |
| Equity capital to assets | 11.9722% | 2,111 |
| Core capital (leverage) ratio | 11.1469% | 2,145 |
| Tier 1 risk-based capital ratio | 22.0603% | 1,247 |
| Total risk-based capital ratio | 22.5738% | 1,344 |
| Memoranda: | ||
| Average total assets | $38,208,670 | 6,855 |
| Average earning assets | $35,491,330 | 6,821 |
| Average equity | $4,489,330 | 6,681 |
| Average total loans | $12,293,000 | 7,158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 6,913 |
| Cost of funding earning assets | 1.0827% | 3,641 |
| Net interest margin | 2.7467% | 6,973 |
| Noninterest income to average assets | 1.4571% | 600 |
| Noninterest expense to average assets | 2.7653% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0742% | 1,933 |
| Return on assets (ROA) | 1.0742% | 1,983 |
| Pretax return on assets | 1.2550% | 2,182 |
| Return on Equity (ROE) | 9.2343% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.2343% | 1,309 |
| Net charge-offs to loans | -0.1274% | 7,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7831% | 4,514 |
| Assets per employee ($millions) | 3.1559% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 6,963 |
| Loan loss allowance to noncurrent loans | 117.0732% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 6,630 |
| Noncurrent loans to loans | 0.6634% | 5,704 |
| Net loans and leases to total assets | 32.3836% | 7,153 |
| Net loans and leases to deposits | 37.0682% | 7,193 |
| Net loans and leases to core deposits | 41.6124% | 7,120 |
| Total domestic deposits to total assets | 87.3624% | 2,731 |
| Equity capital to assets | 11.6712% | 2,141 |
| Core capital (leverage) ratio | 11.1662% | 2,057 |
| Tier 1 risk-based capital ratio | 21.3037% | 1,344 |
| Total risk-based capital ratio | 21.7972% | 1,448 |
| Memoranda: | ||
| Average total assets | $37,609,000 | 6,921 |
| Average earning assets | $35,097,000 | 6,877 |
| Average equity | $4,375,000 | 6,758 |
| Average total loans | $12,560,000 | 7,196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 7,019 |
| Cost of funding earning assets | 1.3659% | 3,479 |
| Net interest margin | 2.7557% | 7,080 |
| Noninterest income to average assets | 0.9686% | 1,615 |
| Noninterest expense to average assets | 2.7420% | 4,808 |
| Loan and lease loss provision to assets | 0.0194% | 6,917 |
| Net operating income to assets | 0.6633% | 3,378 |
| Return on assets (ROA) | 0.6633% | 3,519 |
| Pretax return on assets | 0.7715% | 3,721 |
| Return on Equity (ROE) | 5.3885% | 3,908 |
| Retained earnings to average equity (ytd only) | 1.3753% | 4,856 |
| Net charge-offs to loans | 0.2160% | 4,996 |
| Credit loss provision to net charge-offs | 26.9231% | 6,515 |
| Earnings coverage of net charge-offs (x) | 10.9615% | 1,653 |
| Efficiency ratio | 77.6119% | 2,777 |
| Assets per employee ($millions) | 3.1123% | 5,854 |
| Cash dividends to net income (ytd only)* | 74.4770% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 7,106 |
| Loan loss allowance to noncurrent loans | 102.2222% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,637 |
| Noncurrent loans to loans | 0.7053% | 5,637 |
| Net loans and leases to total assets | 33.9197% | 7,229 |
| Net loans and leases to deposits | 40.1623% | 7,249 |
| Net loans and leases to core deposits | 44.5366% | 7,181 |
| Total domestic deposits to total assets | 84.4566% | 4,142 |
| Equity capital to assets | 11.5940% | 2,187 |
| Core capital (leverage) ratio | 11.1507% | 2,049 |
| Tier 1 risk-based capital ratio | 20.5053% | 1,401 |
| Total risk-based capital ratio | 20.9720% | 1,518 |
| Memoranda: | ||
| Average total assets | $36,032,600 | 7,008 |
| Average earning assets | $33,530,200 | 6,964 |
| Average equity | $4,435,400 | 6,842 |
| Average total loans | $12,035,000 | 7,304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 7,072 |
| Cost of funding earning assets | 1.3994% | 3,591 |
| Net interest margin | 2.8148% | 7,115 |
| Noninterest income to average assets | 0.9560% | 1,601 |
| Noninterest expense to average assets | 2.7522% | 4,676 |
| Loan and lease loss provision to assets | 0.0261% | 6,807 |
| Net operating income to assets | 0.6759% | 3,522 |
| Return on assets (ROA) | 0.6759% | 3,680 |
| Pretax return on assets | 0.7917% | 3,943 |
| Return on Equity (ROE) | 5.4089% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.4089% | 2,703 |
| Net charge-offs to loans | 0.3037% | 4,155 |
| Credit loss provision to net charge-offs | 25.9259% | 6,196 |
| Earnings coverage of net charge-offs (x) | 8.1108% | 2,211 |
| Efficiency ratio | 77.0921% | 2,754 |
| Assets per employee ($millions) | 2.7709% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 7,040 |
| Loan loss allowance to noncurrent loans | 66.1765% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 6,464 |
| Noncurrent loans to loans | 1.1812% | 4,882 |
| Net loans and leases to total assets | 31.7140% | 7,419 |
| Net loans and leases to deposits | 37.0092% | 7,448 |
| Net loans and leases to core deposits | 40.8686% | 7,401 |
| Total domestic deposits to total assets | 85.6921% | 3,244 |
| Equity capital to assets | 12.9893% | 1,576 |
| Core capital (leverage) ratio | 11.7454% | 1,793 |
| Tier 1 risk-based capital ratio | 22.6466% | 1,114 |
| Total risk-based capital ratio | 23.1364% | 1,196 |
| Memoranda: | ||
| Average total assets | $35,704,000 | 7,103 |
| Average earning assets | $33,157,000 | 7,059 |
| Average equity | $4,461,750 | 6,924 |
| Average total loans | $11,853,750 | 7,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 7,075 |
| Cost of funding earning assets | 1.4111% | 3,806 |
| Net interest margin | 2.8707% | 7,052 |
| Noninterest income to average assets | 0.9045% | 1,676 |
| Noninterest expense to average assets | 2.7754% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6686% | 3,535 |
| Return on assets (ROA) | 0.6686% | 3,682 |
| Pretax return on assets | 0.7922% | 3,909 |
| Return on Equity (ROE) | 5.4222% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.4222% | 2,663 |
| Net charge-offs to loans | 0.1003% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,101 |
| Efficiency ratio | 77.7953% | 2,759 |
| Assets per employee ($millions) | 2.3898% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 6,837 |
| Loan loss allowance to noncurrent loans | 70.2703% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 6,417 |
| Noncurrent loans to loans | 1.2451% | 4,888 |
| Net loans and leases to total assets | 32.8703% | 7,455 |
| Net loans and leases to deposits | 38.1389% | 7,493 |
| Net loans and leases to core deposits | 42.2633% | 7,448 |
| Total domestic deposits to total assets | 86.1857% | 2,989 |
| Equity capital to assets | 12.6259% | 1,727 |
| Core capital (leverage) ratio | 11.5770% | 1,866 |
| Tier 1 risk-based capital ratio | 22.0858% | 1,188 |
| Total risk-based capital ratio | 22.6460% | 1,258 |
| Memoranda: | ||
| Average total assets | $35,598,000 | 7,155 |
| Average earning assets | $33,023,330 | 7,113 |
| Average equity | $4,389,330 | 6,982 |
| Average total loans | $11,967,000 | 7,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 7,097 |
| Cost of funding earning assets | 1.3844% | 4,278 |
| Net interest margin | 2.9388% | 6,954 |
| Noninterest income to average assets | 0.9246% | 1,537 |
| Noninterest expense to average assets | 2.7288% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7668% | 3,124 |
| Return on assets (ROA) | 0.7668% | 3,238 |
| Pretax return on assets | 0.9246% | 3,371 |
| Return on Equity (ROE) | 6.2948% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.2948% | 2,468 |
| Net charge-offs to loans | 0.0999% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 933 |
| Efficiency ratio | 74.6914% | 3,453 |
| Assets per employee ($millions) | 2.5266% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,785 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 6,389 |
| Noncurrent loans to loans | 1.3002% | 4,804 |
| Net loans and leases to total assets | 32.9602% | 7,534 |
| Net loans and leases to deposits | 38.0292% | 7,579 |
| Net loans and leases to core deposits | 42.1252% | 7,523 |
| Total domestic deposits to total assets | 86.6706% | 2,805 |
| Equity capital to assets | 12.3371% | 1,852 |
| Core capital (leverage) ratio | 11.6027% | 1,857 |
| Tier 1 risk-based capital ratio | 21.6316% | 1,250 |
| Total risk-based capital ratio | 22.2086% | 1,321 |
| Memoranda: | ||
| Average total assets | $35,473,500 | 7,251 |
| Average earning assets | $32,938,500 | 7,202 |
| Average equity | $4,321,000 | 7,060 |
| Average total loans | $12,007,000 | 7,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 6,966 |
| Cost of funding earning assets | 1.4900% | 5,549 |
| Net interest margin | 3.3012% | 5,742 |
| Noninterest income to average assets | 0.8489% | 2,183 |
| Noninterest expense to average assets | 2.7881% | 5,024 |
| Loan and lease loss provision to assets | 0.1164% | 6,482 |
| Net operating income to assets | 0.8177% | 2,463 |
| Return on assets (ROA) | 0.8177% | 2,551 |
| Pretax return on assets | 1.0079% | 2,564 |
| Return on Equity (ROE) | 6.5943% | 2,958 |
| Retained earnings to average equity (ytd only) | 1.4425% | 4,056 |
| Net charge-offs to loans | 0.4819% | 3,844 |
| Credit loss provision to net charge-offs | 71.9298% | 6,450 |
| Earnings coverage of net charge-offs (x) | 6.9474% | 2,256 |
| Efficiency ratio | 71.2627% | 4,395 |
| Assets per employee ($millions) | 2.5410% | 7,133 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,785 |
| Loan loss allowance to noncurrent loans | 81.0219% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,485 |
| Noncurrent loans to loans | 1.1186% | 5,094 |
| Net loans and leases to total assets | 34.1148% | 7,588 |
| Net loans and leases to deposits | 40.3914% | 7,615 |
| Net loans and leases to core deposits | 58.4586% | 7,325 |
| Total domestic deposits to total assets | 84.4606% | 3,815 |
| Equity capital to assets | 12.0256% | 2,023 |
| Core capital (leverage) ratio | 11.5187% | 1,906 |
| Tier 1 risk-based capital ratio | 20.9756% | 1,298 |
| Total risk-based capital ratio | 21.5603% | 1,368 |
| Memoranda: | ||
| Average total assets | $35,221,600 | 7,270 |
| Average earning assets | $32,685,400 | 7,239 |
| Average equity | $4,367,400 | 7,152 |
| Average total loans | $11,828,000 | 7,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 6,906 |
| Cost of funding earning assets | 1.5045% | 5,802 |
| Net interest margin | 3.3852% | 5,331 |
| Noninterest income to average assets | 0.8577% | 2,167 |
| Noninterest expense to average assets | 2.7248% | 5,217 |
| Loan and lease loss provision to assets | 0.1290% | 6,062 |
| Net operating income to assets | 0.8994% | 2,425 |
| Return on assets (ROA) | 0.8994% | 2,493 |
| Pretax return on assets | 1.1461% | 2,426 |
| Return on Equity (ROE) | 7.1984% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.1984% | 1,434 |
| Net charge-offs to loans | 0.6255% | 2,806 |
| Credit loss provision to net charge-offs | 61.8182% | 6,139 |
| Earnings coverage of net charge-offs (x) | 6.1092% | 2,670 |
| Efficiency ratio | 68.1214% | 4,949 |
| Assets per employee ($millions) | 2.3679% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,702 |
| Loan loss allowance to noncurrent loans | 120.4545% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 6,895 |
| Noncurrent loans to loans | 0.7579% | 5,791 |
| Net loans and leases to total assets | 32.3920% | 7,735 |
| Net loans and leases to deposits | 38.6723% | 7,769 |
| Net loans and leases to core deposits | 55.2620% | 7,568 |
| Total domestic deposits to total assets | 83.7603% | 3,833 |
| Equity capital to assets | 12.8357% | 1,766 |
| Core capital (leverage) ratio | 12.0457% | 1,786 |
| Tier 1 risk-based capital ratio | 22.4455% | 1,175 |
| Total risk-based capital ratio | 23.0179% | 1,231 |
| Memoranda: | ||
| Average total assets | $35,133,500 | 7,329 |
| Average earning assets | $32,612,000 | 7,303 |
| Average equity | $4,389,750 | 7,219 |
| Average total loans | $11,723,250 | 7,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 6,751 |
| Cost of funding earning assets | 1.5329% | 6,006 |
| Net interest margin | 3.4722% | 4,930 |
| Noninterest income to average assets | 0.7713% | 2,585 |
| Noninterest expense to average assets | 2.6796% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0056% | 2,086 |
| Return on assets (ROA) | 1.0056% | 2,184 |
| Pretax return on assets | 1.3141% | 1,978 |
| Return on Equity (ROE) | 8.1231% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.1231% | 1,171 |
| Net charge-offs to loans | 0.1360% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 1,027 |
| Efficiency ratio | 67.0959% | 5,342 |
| Assets per employee ($millions) | 2.1800% | 7,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 5,909 |
| Loan loss allowance to noncurrent loans | 108.1818% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,672 |
| Noncurrent loans to loans | 0.9705% | 5,279 |
| Net loans and leases to total assets | 32.1531% | 7,837 |
| Net loans and leases to deposits | 37.6090% | 7,872 |
| Net loans and leases to core deposits | 53.5041% | 7,668 |
| Total domestic deposits to total assets | 85.4931% | 3,018 |
| Equity capital to assets | 12.5631% | 1,893 |
| Core capital (leverage) ratio | 11.8025% | 1,919 |
| Tier 1 risk-based capital ratio | 22.4667% | 1,188 |
| Total risk-based capital ratio | 23.1195% | 1,245 |
| Memoranda: | ||
| Average total assets | $35,005,330 | 7,405 |
| Average earning assets | $32,486,670 | 7,380 |
| Average equity | $4,333,330 | 7,299 |
| Average total loans | $11,760,670 | 7,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 6,923 |
| Cost of funding earning assets | 1.5857% | 6,085 |
| Net interest margin | 3.4172% | 5,067 |
| Noninterest income to average assets | 0.7870% | 2,395 |
| Noninterest expense to average assets | 2.6349% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0152% | 2,246 |
| Return on assets (ROA) | 1.0152% | 2,389 |
| Pretax return on assets | 1.3231% | 2,204 |
| Return on Equity (ROE) | 8.2618% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.2618% | 1,720 |
| Net charge-offs to loans | 0.1670% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,285 |
| Efficiency ratio | 66.5706% | 5,218 |
| Assets per employee ($millions) | 2.3485% | 7,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,822 |
| Loan loss allowance to noncurrent loans | 28.0460% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 4,213 |
| Noncurrent loans to loans | 3.7368% | 1,661 |
| Net loans and leases to total assets | 32.6993% | 7,843 |
| Net loans and leases to deposits | 37.8678% | 7,905 |
| Net loans and leases to core deposits | 52.2973% | 7,722 |
| Total domestic deposits to total assets | 86.3514% | 2,525 |
| Equity capital to assets | 12.3627% | 2,049 |
| Core capital (leverage) ratio | 11.6834% | 2,050 |
| Tier 1 risk-based capital ratio | 21.5902% | 1,359 |
| Total risk-based capital ratio | 22.2474% | 1,424 |
| Memoranda: | ||
| Average total assets | $35,068,000 | 7,444 |
| Average earning assets | $32,541,000 | 7,418 |
| Average equity | $4,309,000 | 7,348 |
| Average total loans | $11,974,000 | 7,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8951% | 6,056 |
| Cost of funding earning assets | 2.3115% | 5,099 |
| Net interest margin | 3.5836% | 4,957 |
| Noninterest income to average assets | 0.9498% | 1,769 |
| Noninterest expense to average assets | 2.9678% | 4,190 |
| Loan and lease loss provision to assets | 0.0455% | 6,844 |
| Net operating income to assets | 1.0955% | 2,166 |
| Return on assets (ROA) | 1.0955% | 2,080 |
| Pretax return on assets | 1.2533% | 2,469 |
| Return on Equity (ROE) | 8.8424% | 2,697 |
| Retained earnings to average equity (ytd only) | 2.1065% | 3,923 |
| Net charge-offs to loans | 0.2377% | 3,870 |
| Credit loss provision to net charge-offs | 51.7241% | 6,333 |
| Earnings coverage of net charge-offs (x) | 14.7586% | 2,005 |
| Efficiency ratio | 69.5590% | 4,433 |
| Assets per employee ($millions) | 2.6853% | 6,813 |
| Cash dividends to net income (ytd only)* | 76.1773% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,761 |
| Loan loss allowance to noncurrent loans | 90.0709% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 6,006 |
| Noncurrent loans to loans | 1.1457% | 4,255 |
| Net loans and leases to total assets | 34.8907% | 7,869 |
| Net loans and leases to deposits | 40.6298% | 7,932 |
| Net loans and leases to core deposits | 56.3289% | 7,732 |
| Total domestic deposits to total assets | 85.8747% | 2,463 |
| Equity capital to assets | 12.2118% | 2,157 |
| Core capital (leverage) ratio | 11.4363% | 2,293 |
| Tier 1 risk-based capital ratio | 20.6917% | 1,508 |
| Total risk-based capital ratio | 21.3622% | 1,564 |
| Memoranda: | ||
| Average total assets | $32,953,200 | 7,511 |
| Average earning assets | $30,500,000 | 7,492 |
| Average equity | $4,082,600 | 7,484 |
| Average total loans | $12,200,800 | 7,824 |