Home > Stonebridge Bank > Performance and Condition Ratios
Stonebridge Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,074 |
| Cost of funding earning assets | 0.3746% | 3,287 |
| Net interest margin | 3.9565% | 1,792 |
| Noninterest income to average assets | 0.1985% | 5,275 |
| Noninterest expense to average assets | 2.5099% | 3,956 |
| Loan and lease loss provision to assets | 0.0335% | 3,562 |
| Net operating income to assets | 1.5139% | 856 |
| Return on assets (ROA) | 1.6358% | 716 |
| Pretax return on assets | 1.6358% | 1,284 |
| Return on Equity (ROE) | 19.7628% | 256 |
| Retained earnings to average equity (ytd only) | 7.8083% | 1,250 |
| Net charge-offs to loans | -0.0229% | 5,055 |
| Credit loss provision to net charge-offs | -175.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4795% | 4,317 |
| Assets per employee ($millions) | 7.3565% | 771 |
| Cash dividends to net income (ytd only)* | 60.4897% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,860 |
| Loan loss allowance to noncurrent loans | 693.2258% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 4,930 |
| Noncurrent loans to loans | 0.1580% | 4,720 |
| Net loans and leases to total assets | 77.6063% | 1,263 |
| Net loans and leases to deposits | 88.0688% | 2,009 |
| Net loans and leases to core deposits | 96.6221% | 1,929 |
| Total domestic deposits to total assets | 88.1201% | 1,346 |
| Equity capital to assets | 7.6651% | 5,815 |
| Core capital (leverage) ratio | 8.8503% | 5,003 |
| Tier 1 risk-based capital ratio | 9.7878% | 5,838 |
| Total risk-based capital ratio | 10.8874% | 5,848 |
| Memoranda: | ||
| Average total assets | $223,002,250 | 2,738 |
| Average earning assets | $217,491,750 | 2,631 |
| Average equity | $18,458,500 | 3,377 |
| Average total loans | $186,050,250 | 2,256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 1,665 |
| Cost of funding earning assets | 0.3841% | 3,220 |
| Net interest margin | 4.0682% | 1,448 |
| Noninterest income to average assets | 0.2944% | 4,672 |
| Noninterest expense to average assets | 2.6173% | 3,667 |
| Loan and lease loss provision to assets | 0.0664% | 2,813 |
| Net operating income to assets | 1.5713% | 771 |
| Return on assets (ROA) | 1.5713% | 813 |
| Pretax return on assets | 1.5713% | 1,450 |
| Return on Equity (ROE) | 18.4516% | 333 |
| Retained earnings to average equity (ytd only) | 0.2854% | 5,216 |
| Net charge-offs to loans | -0.0339% | 5,185 |
| Credit loss provision to net charge-offs | -229.0323% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1380% | 4,488 |
| Assets per employee ($millions) | 6.3686% | 1,154 |
| Cash dividends to net income (ytd only)* | 98.4533% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,779 |
| Loan loss allowance to noncurrent loans | 636.1765% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,884 |
| Noncurrent loans to loans | 0.1777% | 4,722 |
| Net loans and leases to total assets | 87.3399% | 180 |
| Net loans and leases to deposits | 109.7195% | 262 |
| Net loans and leases to core deposits | 122.3107% | 453 |
| Total domestic deposits to total assets | 79.6029% | 4,646 |
| Equity capital to assets | 8.4630% | 5,619 |
| Core capital (leverage) ratio | 8.6474% | 5,217 |
| Tier 1 risk-based capital ratio | 9.5226% | 5,944 |
| Total risk-based capital ratio | 10.6524% | 5,951 |
| Memoranda: | ||
| Average total assets | $213,963,000 | 2,843 |
| Average earning assets | $208,298,330 | 2,728 |
| Average equity | $18,220,670 | 3,416 |
| Average total loans | $182,647,670 | 2,291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,138 |
| Cost of funding earning assets | 0.3709% | 3,388 |
| Net interest margin | 3.9296% | 1,847 |
| Noninterest income to average assets | 0.2106% | 5,223 |
| Noninterest expense to average assets | 2.6256% | 3,670 |
| Loan and lease loss provision to assets | 0.0752% | 2,455 |
| Net operating income to assets | 1.3353% | 1,169 |
| Return on assets (ROA) | 1.4802% | 933 |
| Pretax return on assets | 1.4802% | 1,656 |
| Return on Equity (ROE) | 17.3267% | 407 |
| Retained earnings to average equity (ytd only) | -19.1100% | 5,957 |
| Net charge-offs to loans | -0.0112% | 4,578 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6319% | 4,027 |
| Assets per employee ($millions) | 6.1467% | 1,303 |
| Cash dividends to net income (ytd only)* | 210.2922% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,695 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,595 |
| Noncurrent loans to loans | 0.2784% | 4,436 |
| Net loans and leases to total assets | 85.6274% | 244 |
| Net loans and leases to deposits | 102.5202% | 485 |
| Net loans and leases to core deposits | 113.2007% | 701 |
| Total domestic deposits to total assets | 83.5225% | 3,702 |
| Equity capital to assets | 8.4933% | 5,570 |
| Core capital (leverage) ratio | 8.5469% | 5,348 |
| Tier 1 risk-based capital ratio | 9.6222% | 5,986 |
| Total risk-based capital ratio | 10.7697% | 5,983 |
| Memoranda: | ||
| Average total assets | $212,679,000 | 2,861 |
| Average earning assets | $207,046,000 | 2,751 |
| Average equity | $18,168,500 | 3,416 |
| Average total loans | $178,331,000 | 2,329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,652 |
| Cost of funding earning assets | 0.3306% | 3,902 |
| Net interest margin | 4.1512% | 1,275 |
| Noninterest income to average assets | 0.2288% | 5,225 |
| Noninterest expense to average assets | 2.4948% | 4,242 |
| Loan and lease loss provision to assets | 0.3046% | 561 |
| Net operating income to assets | 1.4628% | 928 |
| Return on assets (ROA) | 1.4669% | 953 |
| Pretax return on assets | 1.4669% | 1,662 |
| Return on Equity (ROE) | 17.4398% | 417 |
| Retained earnings to average equity (ytd only) | 17.4398% | 84 |
| Net charge-offs to loans | 0.2363% | 1,258 |
| Credit loss provision to net charge-offs | 157.0313% | 1,702 |
| Earnings coverage of net charge-offs (x) | 9.1120% | 2,861 |
| Efficiency ratio | 58.1299% | 5,127 |
| Assets per employee ($millions) | 6.3638% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,624 |
| Loan loss allowance to noncurrent loans | 384.5149% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,601 |
| Noncurrent loans to loans | 0.3052% | 4,366 |
| Net loans and leases to total assets | 80.2071% | 821 |
| Net loans and leases to deposits | 88.3850% | 1,827 |
| Net loans and leases to core deposits | 95.6777% | 1,880 |
| Total domestic deposits to total assets | 90.7473% | 355 |
| Equity capital to assets | 8.5904% | 5,483 |
| Core capital (leverage) ratio | 8.7107% | 5,201 |
| Tier 1 risk-based capital ratio | 10.2766% | 5,871 |
| Total risk-based capital ratio | 11.4205% | 5,832 |
| Memoranda: | ||
| Average total assets | $197,970,600 | 2,971 |
| Average earning assets | $192,351,800 | 2,868 |
| Average equity | $16,651,600 | 3,575 |
| Average total loans | $162,513,000 | 2,434 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 1,481 |
| Cost of funding earning assets | 0.3231% | 4,071 |
| Net interest margin | 4.2188% | 1,124 |
| Noninterest income to average assets | 0.2248% | 5,309 |
| Noninterest expense to average assets | 2.5229% | 4,127 |
| Loan and lease loss provision to assets | 0.3985% | 304 |
| Net operating income to assets | 1.3997% | 1,104 |
| Return on assets (ROA) | 1.4052% | 1,142 |
| Pretax return on assets | 1.4052% | 1,994 |
| Return on Equity (ROE) | 16.8067% | 489 |
| Retained earnings to average equity (ytd only) | 16.8067% | 109 |
| Net charge-offs to loans | 0.3291% | 803 |
| Credit loss provision to net charge-offs | 147.0738% | 1,713 |
| Earnings coverage of net charge-offs (x) | 6.6361% | 3,022 |
| Efficiency ratio | 57.9703% | 5,124 |
| Assets per employee ($millions) | 7.3037% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,619 |
| Loan loss allowance to noncurrent loans | 354.5455% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 4,651 |
| Noncurrent loans to loans | 0.3400% | 4,397 |
| Net loans and leases to total assets | 81.2761% | 671 |
| Net loans and leases to deposits | 89.6157% | 1,699 |
| Net loans and leases to core deposits | 97.0411% | 1,786 |
| Total domestic deposits to total assets | 90.6940% | 341 |
| Equity capital to assets | 8.7075% | 5,570 |
| Core capital (leverage) ratio | 8.8879% | 5,133 |
| Tier 1 risk-based capital ratio | 10.1159% | 6,005 |
| Total risk-based capital ratio | 11.2787% | 5,989 |
| Memoranda: | ||
| Average total assets | $193,370,750 | 3,038 |
| Average earning assets | $187,760,250 | 2,939 |
| Average equity | $16,167,750 | 3,681 |
| Average total loans | $159,240,000 | 2,486 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,097 |
| Cost of funding earning assets | 0.3075% | 4,321 |
| Net interest margin | 4.0176% | 1,589 |
| Noninterest income to average assets | 0.2278% | 5,337 |
| Noninterest expense to average assets | 2.4876% | 4,279 |
| Loan and lease loss provision to assets | 0.4007% | 295 |
| Net operating income to assets | 1.2391% | 1,495 |
| Return on assets (ROA) | 1.2391% | 1,561 |
| Pretax return on assets | 1.2391% | 2,607 |
| Return on Equity (ROE) | 15.0435% | 722 |
| Retained earnings to average equity (ytd only) | 15.0435% | 185 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8365% | 5,007 |
| Assets per employee ($millions) | 6.6524% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,066 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 3,553 |
| Noncurrent loans to loans | 0.7176% | 3,337 |
| Net loans and leases to total assets | 85.3162% | 275 |
| Net loans and leases to deposits | 94.2081% | 1,131 |
| Net loans and leases to core deposits | 103.0181% | 1,264 |
| Total domestic deposits to total assets | 90.5614% | 433 |
| Equity capital to assets | 8.7622% | 5,470 |
| Core capital (leverage) ratio | 8.8521% | 5,156 |
| Tier 1 risk-based capital ratio | 9.6616% | 6,171 |
| Total risk-based capital ratio | 10.9119% | 6,141 |
| Memoranda: | ||
| Average total assets | $189,660,000 | 3,103 |
| Average earning assets | $184,092,000 | 3,000 |
| Average equity | $15,621,330 | 3,793 |
| Average total loans | $156,240,000 | 2,536 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,706 |
| Cost of funding earning assets | 0.2827% | 4,638 |
| Net interest margin | 3.8480% | 2,078 |
| Noninterest income to average assets | 0.2574% | 5,115 |
| Noninterest expense to average assets | 2.4634% | 4,395 |
| Loan and lease loss provision to assets | 0.3361% | 399 |
| Net operating income to assets | 1.1934% | 1,569 |
| Return on assets (ROA) | 1.1934% | 1,665 |
| Pretax return on assets | 1.1934% | 2,696 |
| Return on Equity (ROE) | 14.9800% | 713 |
| Retained earnings to average equity (ytd only) | 14.9800% | 285 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6942% | 4,843 |
| Assets per employee ($millions) | 8.1958% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 3,518 |
| Loan loss allowance to noncurrent loans | 384.8077% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,843 |
| Noncurrent loans to loans | 0.3327% | 4,598 |
| Net loans and leases to total assets | 81.8523% | 475 |
| Net loans and leases to deposits | 91.9363% | 1,196 |
| Net loans and leases to core deposits | 99.9313% | 1,323 |
| Total domestic deposits to total assets | 89.0315% | 1,248 |
| Equity capital to assets | 8.3855% | 5,816 |
| Core capital (leverage) ratio | 8.5992% | 5,422 |
| Tier 1 risk-based capital ratio | 9.3320% | 6,289 |
| Total risk-based capital ratio | 10.5258% | 6,285 |
| Memoranda: | ||
| Average total assets | $188,030,000 | 3,141 |
| Average earning assets | $182,537,500 | 3,036 |
| Average equity | $14,980,000 | 3,916 |
| Average total loans | $150,952,500 | 2,611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,449 |
| Cost of funding earning assets | 0.2713% | 5,079 |
| Net interest margin | 4.0717% | 1,676 |
| Noninterest income to average assets | 0.3159% | 4,859 |
| Noninterest expense to average assets | 2.6991% | 3,862 |
| Loan and lease loss provision to assets | 0.3715% | 500 |
| Net operating income to assets | 1.1525% | 1,764 |
| Return on assets (ROA) | 1.1525% | 1,831 |
| Pretax return on assets | 1.1525% | 2,862 |
| Return on Equity (ROE) | 14.6894% | 829 |
| Retained earnings to average equity (ytd only) | 8.8868% | 731 |
| Net charge-offs to loans | -0.0039% | 5,435 |
| Credit loss provision to net charge-offs | -12,160.0000% | 6,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9126% | 4,602 |
| Assets per employee ($millions) | 7.2137% | 753 |
| Cash dividends to net income (ytd only)* | 39.5016% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,615 |
| Loan loss allowance to noncurrent loans | 353.7428% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 4,924 |
| Noncurrent loans to loans | 0.3578% | 4,576 |
| Net loans and leases to total assets | 76.6524% | 1,175 |
| Net loans and leases to deposits | 83.4617% | 2,278 |
| Net loans and leases to core deposits | 86.6599% | 2,633 |
| Total domestic deposits to total assets | 91.8414% | 169 |
| Equity capital to assets | 7.5460% | 6,226 |
| Core capital (leverage) ratio | 7.9908% | 6,010 |
| Tier 1 risk-based capital ratio | 9.2221% | 6,392 |
| Total risk-based capital ratio | 10.4303% | 6,375 |
| Memoranda: | ||
| Average total assets | $163,645,000 | 3,430 |
| Average earning assets | $157,033,800 | 3,327 |
| Average equity | $12,839,200 | 4,218 |
| Average total loans | $128,374,000 | 2,895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,278 |
| Cost of funding earning assets | 0.2750% | 5,151 |
| Net interest margin | 4.1090% | 1,549 |
| Noninterest income to average assets | 0.3027% | 5,024 |
| Noninterest expense to average assets | 2.7872% | 3,512 |
| Loan and lease loss provision to assets | 0.4051% | 415 |
| Net operating income to assets | 1.0401% | 2,280 |
| Return on assets (ROA) | 1.0401% | 2,340 |
| Pretax return on assets | 1.0401% | 3,423 |
| Return on Equity (ROE) | 13.1084% | 1,198 |
| Retained earnings to average equity (ytd only) | 5.1688% | 2,979 |
| Net charge-offs to loans | -0.0043% | 5,275 |
| Credit loss provision to net charge-offs | -11,975.0000% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8541% | 4,232 |
| Assets per employee ($millions) | 6.1137% | 1,253 |
| Cash dividends to net income (ytd only)* | 60.5692% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 3,653 |
| Loan loss allowance to noncurrent loans | 347.4645% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 5,117 |
| Noncurrent loans to loans | 0.3737% | 4,789 |
| Net loans and leases to total assets | 76.0638% | 1,217 |
| Net loans and leases to deposits | 82.9520% | 2,300 |
| Net loans and leases to core deposits | 86.5055% | 2,612 |
| Total domestic deposits to total assets | 91.6961% | 199 |
| Equity capital to assets | 7.7501% | 6,227 |
| Core capital (leverage) ratio | 8.1062% | 6,004 |
| Tier 1 risk-based capital ratio | 9.4837% | 6,438 |
| Total risk-based capital ratio | 10.7136% | 6,418 |
| Memoranda: | ||
| Average total assets | $157,667,000 | 3,549 |
| Average earning assets | $150,788,500 | 3,449 |
| Average equity | $12,510,750 | 4,299 |
| Average total loans | $124,065,000 | 2,993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 2,263 |
| Cost of funding earning assets | 0.2679% | 5,307 |
| Net interest margin | 4.1095% | 1,480 |
| Noninterest income to average assets | 0.2925% | 5,079 |
| Noninterest expense to average assets | 2.8075% | 3,474 |
| Loan and lease loss provision to assets | 0.5328% | 274 |
| Net operating income to assets | 0.8788% | 2,912 |
| Return on assets (ROA) | 0.8788% | 3,000 |
| Pretax return on assets | 0.8788% | 3,964 |
| Return on Equity (ROE) | 10.9800% | 1,749 |
| Retained earnings to average equity (ytd only) | -1.1747% | 5,880 |
| Net charge-offs to loans | -0.0033% | 5,113 |
| Credit loss provision to net charge-offs | -20,400.0000% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5429% | 4,275 |
| Assets per employee ($millions) | 5.5558% | 1,649 |
| Cash dividends to net income (ytd only)* | 110.6984% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,937 |
| Loan loss allowance to noncurrent loans | 275.1678% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 4,869 |
| Noncurrent loans to loans | 0.4668% | 4,598 |
| Net loans and leases to total assets | 81.0141% | 574 |
| Net loans and leases to deposits | 89.1041% | 1,467 |
| Net loans and leases to core deposits | 95.0258% | 1,684 |
| Total domestic deposits to total assets | 90.9207% | 439 |
| Equity capital to assets | 8.1922% | 6,033 |
| Core capital (leverage) ratio | 8.5564% | 5,582 |
| Tier 1 risk-based capital ratio | 9.3389% | 6,509 |
| Total risk-based capital ratio | 10.5497% | 6,504 |
| Memoranda: | ||
| Average total assets | $153,161,330 | 3,634 |
| Average earning assets | $146,342,670 | 3,557 |
| Average equity | $12,258,670 | 4,347 |
| Average total loans | $121,446,000 | 3,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,679 |
| Cost of funding earning assets | 0.2588% | 5,508 |
| Net interest margin | 3.9952% | 1,781 |
| Noninterest income to average assets | 0.2922% | 5,037 |
| Noninterest expense to average assets | 2.8192% | 3,498 |
| Loan and lease loss provision to assets | 0.0948% | 2,340 |
| Net operating income to assets | 1.1977% | 1,492 |
| Return on assets (ROA) | 1.1977% | 1,563 |
| Pretax return on assets | 1.1977% | 2,492 |
| Return on Equity (ROE) | 15.1465% | 757 |
| Retained earnings to average equity (ytd only) | -9.6538% | 6,348 |
| Net charge-offs to loans | 0.0034% | 3,607 |
| Credit loss provision to net charge-offs | 3,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 81 |
| Efficiency ratio | 68.5659% | 4,082 |
| Assets per employee ($millions) | 5.2244% | 1,985 |
| Cash dividends to net income (ytd only)* | 163.7363% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.1993% | 526 |
| Net loans and leases to deposits | 88.0211% | 1,363 |
| Net loans and leases to core deposits | 93.5028% | 1,597 |
| Total domestic deposits to total assets | 91.1138% | 525 |
| Equity capital to assets | 8.2675% | 5,850 |
| Core capital (leverage) ratio | 8.3143% | 5,831 |
| Tier 1 risk-based capital ratio | 9.4203% | 6,560 |
| Total risk-based capital ratio | 10.4104% | 6,577 |
| Memoranda: | ||
| Average total assets | $151,960,500 | 3,678 |
| Average earning assets | $145,274,000 | 3,601 |
| Average equity | $12,016,000 | 4,416 |
| Average total loans | $118,335,000 | 3,104 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 2,064 |
| Cost of funding earning assets | 0.2821% | 5,748 |
| Net interest margin | 4.2567% | 1,202 |
| Noninterest income to average assets | 0.3031% | 5,177 |
| Noninterest expense to average assets | 3.1164% | 2,686 |
| Loan and lease loss provision to assets | 0.1903% | 1,936 |
| Net operating income to assets | 0.9729% | 2,454 |
| Return on assets (ROA) | 0.9729% | 2,520 |
| Pretax return on assets | 0.9729% | 3,459 |
| Return on Equity (ROE) | 11.8847% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.8847% | 327 |
| Net charge-offs to loans | -0.0144% | 6,081 |
| Credit loss provision to net charge-offs | -1,733.3333% | 6,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8190% | 3,328 |
| Assets per employee ($millions) | 5.8384% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 5,373 |
| Loan loss allowance to noncurrent loans | 41,000.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 5,495 |
| Noncurrent loans to loans | 0.0025% | 6,308 |
| Net loans and leases to total assets | 74.1306% | 1,327 |
| Net loans and leases to deposits | 80.6557% | 2,364 |
| Net loans and leases to core deposits | 83.1280% | 2,761 |
| Total domestic deposits to total assets | 91.9099% | 298 |
| Equity capital to assets | 7.5730% | 6,246 |
| Core capital (leverage) ratio | 7.9297% | 6,186 |
| Tier 1 risk-based capital ratio | 9.2827% | 6,634 |
| Total risk-based capital ratio | 10.2446% | 6,649 |
| Memoranda: | ||
| Average total assets | $136,600,000 | 3,946 |
| Average earning assets | $127,610,000 | 3,891 |
| Average equity | $11,182,400 | 4,604 |
| Average total loans | $104,332,400 | 3,357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 1,740 |
| Cost of funding earning assets | 0.2921% | 5,796 |
| Net interest margin | 4.3637% | 961 |
| Noninterest income to average assets | 0.2924% | 5,361 |
| Noninterest expense to average assets | 3.2444% | 2,218 |
| Loan and lease loss provision to assets | 0.1584% | 2,282 |
| Net operating income to assets | 0.9390% | 2,644 |
| Return on assets (ROA) | 0.9390% | 2,755 |
| Pretax return on assets | 0.9390% | 3,725 |
| Return on Equity (ROE) | 11.2184% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.2184% | 533 |
| Net charge-offs to loans | -0.0172% | 6,011 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7253% | 2,947 |
| Assets per employee ($millions) | 5.3231% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 5,054 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 77.3584% | 827 |
| Net loans and leases to deposits | 85.0626% | 1,738 |
| Net loans and leases to core deposits | 88.8409% | 2,091 |
| Total domestic deposits to total assets | 90.9429% | 561 |
| Equity capital to assets | 8.3454% | 5,878 |
| Core capital (leverage) ratio | 8.4885% | 5,781 |
| Tier 1 risk-based capital ratio | 9.5648% | 6,676 |
| Total risk-based capital ratio | 10.5026% | 6,698 |
| Memoranda: | ||
| Average total assets | $131,340,500 | 4,080 |
| Average earning assets | $121,881,500 | 4,051 |
| Average equity | $10,993,500 | 4,687 |
| Average total loans | $100,893,500 | 3,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,874 |
| Cost of funding earning assets | 0.2866% | 5,930 |
| Net interest margin | 4.3072% | 1,020 |
| Noninterest income to average assets | 0.2931% | 5,354 |
| Noninterest expense to average assets | 3.3290% | 1,994 |
| Loan and lease loss provision to assets | 0.2124% | 1,783 |
| Net operating income to assets | 0.7598% | 3,513 |
| Return on assets (ROA) | 0.7598% | 3,665 |
| Pretax return on assets | 0.7598% | 4,469 |
| Return on Equity (ROE) | 9.0674% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.0674% | 1,098 |
| Net charge-offs to loans | -0.0223% | 6,003 |
| Credit loss provision to net charge-offs | -1,245.4545% | 6,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3973% | 2,558 |
| Assets per employee ($millions) | 5.6570% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 5,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 4,976 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 81.7311% | 373 |
| Net loans and leases to deposits | 90.7278% | 1,078 |
| Net loans and leases to core deposits | 96.4291% | 1,314 |
| Total domestic deposits to total assets | 90.0839% | 981 |
| Equity capital to assets | 8.4681% | 5,799 |
| Core capital (leverage) ratio | 8.7679% | 5,331 |
| Tier 1 risk-based capital ratio | 9.1580% | 6,748 |
| Total risk-based capital ratio | 10.0820% | 6,771 |
| Memoranda: | ||
| Average total assets | $128,987,330 | 4,162 |
| Average earning assets | $120,031,330 | 4,121 |
| Average equity | $10,808,000 | 4,764 |
| Average total loans | $98,462,000 | 3,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 2,554 |
| Cost of funding earning assets | 0.2932% | 6,021 |
| Net interest margin | 4.0985% | 1,468 |
| Noninterest income to average assets | 0.2710% | 5,515 |
| Noninterest expense to average assets | 3.3420% | 1,978 |
| Loan and lease loss provision to assets | 0.0592% | 3,649 |
| Net operating income to assets | 0.6572% | 3,914 |
| Return on assets (ROA) | 0.6572% | 4,077 |
| Pretax return on assets | 0.6572% | 4,765 |
| Return on Equity (ROE) | 7.8856% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.8856% | 1,788 |
| Net charge-offs to loans | -0.0213% | 5,743 |
| Credit loss provision to net charge-offs | -380.0000% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3484% | 1,986 |
| Assets per employee ($millions) | 4.8328% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,881 |
| Loan loss allowance to noncurrent loans | 391.6000% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 4,939 |
| Noncurrent loans to loans | 0.2626% | 5,751 |
| Net loans and leases to total assets | 81.2262% | 329 |
| Net loans and leases to deposits | 90.5309% | 912 |
| Net loans and leases to core deposits | 96.7368% | 1,160 |
| Total domestic deposits to total assets | 89.7220% | 1,212 |
| Equity capital to assets | 9.3166% | 5,109 |
| Core capital (leverage) ratio | 8.9277% | 5,010 |
| Tier 1 risk-based capital ratio | 9.9345% | 6,700 |
| Total risk-based capital ratio | 10.8477% | 6,732 |
| Memoranda: | ||
| Average total assets | $128,425,000 | 4,216 |
| Average earning assets | $118,678,000 | 4,182 |
| Average equity | $10,703,000 | 4,835 |
| Average total loans | $93,970,500 | 3,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 4,218 |
| Cost of funding earning assets | 0.3965% | 5,944 |
| Net interest margin | 3.8948% | 2,852 |
| Noninterest income to average assets | 0.2931% | 5,373 |
| Noninterest expense to average assets | 3.3028% | 2,320 |
| Loan and lease loss provision to assets | 0.1215% | 4,097 |
| Net operating income to assets | 0.5036% | 4,681 |
| Return on assets (ROA) | 0.5036% | 4,932 |
| Pretax return on assets | 0.5036% | 5,266 |
| Return on Equity (ROE) | 6.1571% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.1571% | 1,989 |
| Net charge-offs to loans | 0.0541% | 5,176 |
| Credit loss provision to net charge-offs | 326.0870% | 747 |
| Earnings coverage of net charge-offs (x) | 16.7826% | 1,557 |
| Efficiency ratio | 84.0858% | 1,626 |
| Assets per employee ($millions) | 5.6346% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 5,856 |
| Loan loss allowance to noncurrent loans | 382.0000% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 5,275 |
| Noncurrent loans to loans | 0.2695% | 5,806 |
| Net loans and leases to total assets | 65.1664% | 2,681 |
| Net loans and leases to deposits | 71.9715% | 3,417 |
| Net loans and leases to core deposits | 75.9435% | 3,544 |
| Total domestic deposits to total assets | 90.5448% | 685 |
| Equity capital to assets | 7.5250% | 6,625 |
| Core capital (leverage) ratio | 7.2131% | 6,627 |
| Tier 1 risk-based capital ratio | 10.0038% | 6,703 |
| Total risk-based capital ratio | 10.9191% | 6,761 |
| Memoranda: | ||
| Average total assets | $123,503,000 | 4,283 |
| Average earning assets | $115,255,000 | 4,225 |
| Average equity | $10,102,200 | 4,963 |
| Average total loans | $85,062,400 | 3,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 4,070 |
| Cost of funding earning assets | 0.4158% | 6,019 |
| Net interest margin | 3.9795% | 2,578 |
| Noninterest income to average assets | 0.1859% | 6,189 |
| Noninterest expense to average assets | 3.3478% | 2,138 |
| Loan and lease loss provision to assets | 0.1371% | 3,831 |
| Net operating income to assets | 0.4804% | 4,914 |
| Return on assets (ROA) | 0.4804% | 5,178 |
| Pretax return on assets | 0.4804% | 5,521 |
| Return on Equity (ROE) | 5.7678% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,855 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4285% | 1,542 |
| Assets per employee ($millions) | 5.5872% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 5,664 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 67.6749% | 2,340 |
| Net loans and leases to deposits | 77.4099% | 2,744 |
| Net loans and leases to core deposits | 83.9009% | 2,712 |
| Total domestic deposits to total assets | 87.4242% | 2,405 |
| Equity capital to assets | 7.9082% | 6,635 |
| Core capital (leverage) ratio | 8.1518% | 6,189 |
| Tier 1 risk-based capital ratio | 9.8811% | 6,822 |
| Total risk-based capital ratio | 10.8542% | 6,871 |
| Memoranda: | ||
| Average total assets | $98,252,000 | 4,924 |
| Average earning assets | $93,310,000 | 4,817 |
| Average equity | $8,183,250 | 5,501 |
| Average total loans | $69,902,500 | 4,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 4,041 |
| Cost of funding earning assets | 0.4487% | 5,983 |
| Net interest margin | 3.9872% | 2,561 |
| Noninterest income to average assets | 0.1883% | 6,217 |
| Noninterest expense to average assets | 3.4450% | 1,918 |
| Loan and lease loss provision to assets | 0.1422% | 3,738 |
| Net operating income to assets | 0.3744% | 5,331 |
| Return on assets (ROA) | 0.3744% | 5,555 |
| Pretax return on assets | 0.3744% | 5,769 |
| Return on Equity (ROE) | 4.4129% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.4129% | 3,670 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9588% | 1,340 |
| Assets per employee ($millions) | 4.8367% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 5,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 5,584 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 75.4238% | 1,048 |
| Net loans and leases to deposits | 87.7758% | 1,388 |
| Net loans and leases to core deposits | 98.3693% | 1,235 |
| Total domestic deposits to total assets | 85.9279% | 3,391 |
| Equity capital to assets | 8.9425% | 5,763 |
| Core capital (leverage) ratio | 8.8838% | 5,074 |
| Tier 1 risk-based capital ratio | 9.9725% | 6,833 |
| Total risk-based capital ratio | 10.9356% | 6,881 |
| Memoranda: | ||
| Average total assets | $95,617,330 | 5,016 |
| Average earning assets | $90,490,000 | 4,914 |
| Average equity | $8,112,670 | 5,535 |
| Average total loans | $68,983,000 | 4,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 4,509 |
| Cost of funding earning assets | 0.4566% | 6,108 |
| Net interest margin | 3.8965% | 2,941 |
| Noninterest income to average assets | 0.1723% | 6,345 |
| Noninterest expense to average assets | 3.4429% | 1,903 |
| Loan and lease loss provision to assets | 0.1395% | 3,612 |
| Net operating income to assets | 0.2667% | 5,757 |
| Return on assets (ROA) | 0.2667% | 5,921 |
| Pretax return on assets | 0.2667% | 6,043 |
| Return on Equity (ROE) | 3.2258% | 5,626 |
| Retained earnings to average equity (ytd only) | 3.2258% | 4,634 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4456% | 1,143 |
| Assets per employee ($millions) | 4.2703% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,957 |
| Loan loss allowance to noncurrent loans | 173.1034% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 5,588 |
| Noncurrent loans to loans | 0.6256% | 5,395 |
| Net loans and leases to total assets | 80.5295% | 361 |
| Net loans and leases to deposits | 95.8578% | 548 |
| Net loans and leases to core deposits | 109.1854% | 562 |
| Total domestic deposits to total assets | 84.0093% | 4,487 |
| Equity capital to assets | 9.4771% | 4,843 |
| Core capital (leverage) ratio | 8.9825% | 4,866 |
| Tier 1 risk-based capital ratio | 9.5604% | 6,953 |
| Total risk-based capital ratio | 10.4567% | 7,011 |
| Memoranda: | ||
| Average total assets | $97,477,000 | 5,000 |
| Average earning assets | $91,981,000 | 4,911 |
| Average equity | $8,060,000 | 5,580 |
| Average total loans | $68,424,500 | 4,505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 6,073 |
| Cost of funding earning assets | 0.6390% | 5,876 |
| Net interest margin | 3.5535% | 4,915 |
| Noninterest income to average assets | 0.2473% | 5,760 |
| Noninterest expense to average assets | 2.9828% | 3,656 |
| Loan and lease loss provision to assets | 0.0516% | 5,945 |
| Net operating income to assets | 0.6020% | 3,989 |
| Return on assets (ROA) | 0.6020% | 4,178 |
| Pretax return on assets | 0.6020% | 4,689 |
| Return on Equity (ROE) | 7.4824% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.4824% | 1,280 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0260% | 2,020 |
| Assets per employee ($millions) | 6.0860% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,932 |
| Loan loss allowance to noncurrent loans | 165.2874% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 5,978 |
| Noncurrent loans to loans | 0.6462% | 5,414 |
| Net loans and leases to total assets | 60.7953% | 3,830 |
| Net loans and leases to deposits | 69.4770% | 4,201 |
| Net loans and leases to core deposits | 77.7683% | 3,708 |
| Total domestic deposits to total assets | 87.5041% | 2,468 |
| Equity capital to assets | 7.3265% | 6,870 |
| Core capital (leverage) ratio | 7.5626% | 6,614 |
| Tier 1 risk-based capital ratio | 9.6232% | 6,931 |
| Total risk-based capital ratio | 10.4923% | 6,997 |
| Memoranda: | ||
| Average total assets | $95,011,200 | 5,043 |
| Average earning assets | $90,615,200 | 4,913 |
| Average equity | $7,644,600 | 5,676 |
| Average total loans | $65,331,600 | 4,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 5,997 |
| Cost of funding earning assets | 0.7160% | 5,672 |
| Net interest margin | 3.5679% | 4,910 |
| Noninterest income to average assets | 0.1678% | 6,388 |
| Noninterest expense to average assets | 3.0554% | 3,328 |
| Loan and lease loss provision to assets | 0.0117% | 6,286 |
| Net operating income to assets | 0.5180% | 4,464 |
| Return on assets (ROA) | 0.5180% | 4,650 |
| Pretax return on assets | 0.5180% | 5,098 |
| Return on Equity (ROE) | 6.2698% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.2698% | 2,389 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2259% | 1,611 |
| Assets per employee ($millions) | 4.8653% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 6,009 |
| Loan loss allowance to noncurrent loans | 155.8621% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 5,905 |
| Noncurrent loans to loans | 0.6835% | 5,522 |
| Net loans and leases to total assets | 68.1145% | 2,466 |
| Net loans and leases to deposits | 79.6814% | 2,693 |
| Net loans and leases to core deposits | 88.8997% | 2,377 |
| Total domestic deposits to total assets | 85.4836% | 3,506 |
| Equity capital to assets | 8.4552% | 6,345 |
| Core capital (leverage) ratio | 8.5541% | 5,628 |
| Tier 1 risk-based capital ratio | 10.0944% | 6,924 |
| Total risk-based capital ratio | 10.9789% | 7,015 |
| Memoranda: | ||
| Average total assets | $91,377,000 | 5,188 |
| Average earning assets | $87,518,000 | 5,047 |
| Average equity | $7,549,250 | 5,733 |
| Average total loans | $64,834,750 | 4,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 6,081 |
| Cost of funding earning assets | 0.8046% | 5,336 |
| Net interest margin | 3.4751% | 5,274 |
| Noninterest income to average assets | 0.1670% | 6,464 |
| Noninterest expense to average assets | 3.0674% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4307% | 4,808 |
| Return on assets (ROA) | 0.4307% | 4,955 |
| Pretax return on assets | 0.4307% | 5,293 |
| Return on Equity (ROE) | 5.2545% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,837 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6884% | 1,450 |
| Assets per employee ($millions) | 5.6565% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,116 |
| Loan loss allowance to noncurrent loans | 141.6490% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 5,864 |
| Noncurrent loans to loans | 0.7453% | 5,420 |
| Net loans and leases to total assets | 69.3870% | 2,345 |
| Net loans and leases to deposits | 83.4203% | 2,195 |
| Net loans and leases to core deposits | 106.2716% | 915 |
| Total domestic deposits to total assets | 83.1775% | 4,685 |
| Equity capital to assets | 8.4284% | 6,266 |
| Core capital (leverage) ratio | 8.3571% | 5,775 |
| Tier 1 risk-based capital ratio | 10.3583% | 6,845 |
| Total risk-based capital ratio | 11.2748% | 6,967 |
| Memoranda: | ||
| Average total assets | $91,022,670 | 5,236 |
| Average earning assets | $87,250,000 | 5,089 |
| Average equity | $7,460,330 | 5,782 |
| Average total loans | $65,232,000 | 4,749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 6,127 |
| Cost of funding earning assets | 0.8089% | 5,530 |
| Net interest margin | 3.4505% | 5,223 |
| Noninterest income to average assets | 0.1709% | 6,499 |
| Noninterest expense to average assets | 3.0587% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4207% | 4,854 |
| Return on assets (ROA) | 0.4207% | 4,943 |
| Pretax return on assets | 0.4207% | 5,281 |
| Return on Equity (ROE) | 5.2057% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.2057% | 3,054 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9093% | 1,527 |
| Assets per employee ($millions) | 5.9066% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,283 |
| Loan loss allowance to noncurrent loans | 154.0230% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 5,924 |
| Noncurrent loans to loans | 0.6693% | 5,693 |
| Net loans and leases to total assets | 77.7841% | 761 |
| Net loans and leases to deposits | 97.9264% | 575 |
| Net loans and leases to core deposits | 132.1567% | 246 |
| Total domestic deposits to total assets | 79.4311% | 6,076 |
| Equity capital to assets | 8.9814% | 5,226 |
| Core capital (leverage) ratio | 9.0196% | 4,582 |
| Tier 1 risk-based capital ratio | 10.0391% | 6,989 |
| Total risk-based capital ratio | 10.9400% | 7,110 |
| Memoranda: | ||
| Average total assets | $91,282,000 | 5,259 |
| Average earning assets | $87,524,000 | 5,107 |
| Average equity | $7,376,500 | 5,813 |
| Average total loans | $66,114,000 | 4,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 6,379 |
| Cost of funding earning assets | 1.0464% | 5,450 |
| Net interest margin | 3.4627% | 5,389 |
| Noninterest income to average assets | 0.2450% | 6,044 |
| Noninterest expense to average assets | 2.9812% | 3,923 |
| Loan and lease loss provision to assets | 0.0559% | 6,584 |
| Net operating income to assets | 0.4150% | 4,481 |
| Return on assets (ROA) | 0.4150% | 4,612 |
| Pretax return on assets | 0.4150% | 4,899 |
| Return on Equity (ROE) | 4.8856% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.8856% | 2,485 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3589% | 1,653 |
| Assets per employee ($millions) | 7.6824% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,408 |
| Loan loss allowance to noncurrent loans | 2,310.3448% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 7,172 |
| Noncurrent loans to loans | 0.0431% | 7,022 |
| Net loans and leases to total assets | 66.6520% | 3,317 |
| Net loans and leases to deposits | 78.7195% | 3,383 |
| Net loans and leases to core deposits | 98.5258% | 1,750 |
| Total domestic deposits to total assets | 84.6702% | 4,014 |
| Equity capital to assets | 7.3355% | 6,981 |
| Core capital (leverage) ratio | 8.1068% | 6,002 |
| Tier 1 risk-based capital ratio | 9.6163% | 7,104 |
| Total risk-based capital ratio | 10.4913% | 7,200 |
| Memoranda: | ||
| Average total assets | $84,094,400 | 5,466 |
| Average earning assets | $77,886,600 | 5,410 |
| Average equity | $7,143,400 | 5,983 |
| Average total loans | $62,924,600 | 4,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 6,059 |
| Cost of funding earning assets | 1.1500% | 5,147 |
| Net interest margin | 3.5410% | 5,134 |
| Noninterest income to average assets | 0.1730% | 6,641 |
| Noninterest expense to average assets | 3.0475% | 3,585 |
| Loan and lease loss provision to assets | 0.0532% | 6,548 |
| Net operating income to assets | 0.3094% | 5,127 |
| Return on assets (ROA) | 0.3094% | 5,298 |
| Pretax return on assets | 0.3094% | 5,479 |
| Return on Equity (ROE) | 3.4939% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.4939% | 3,997 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3659% | 1,335 |
| Assets per employee ($millions) | 6.3819% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 6,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 75.6427% | 1,471 |
| Net loans and leases to deposits | 92.5565% | 1,377 |
| Net loans and leases to core deposits | 121.4033% | 571 |
| Total domestic deposits to total assets | 81.7260% | 5,106 |
| Equity capital to assets | 8.6988% | 6,016 |
| Core capital (leverage) ratio | 8.5811% | 5,374 |
| Tier 1 risk-based capital ratio | 9.8431% | 7,141 |
| Total risk-based capital ratio | 10.7393% | 7,257 |
| Memoranda: | ||
| Average total assets | $80,150,250 | 5,657 |
| Average earning assets | $73,273,000 | 5,628 |
| Average equity | $7,097,750 | 6,079 |
| Average total loans | $61,846,750 | 5,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 6,229 |
| Cost of funding earning assets | 1.2379% | 4,910 |
| Net interest margin | 3.4378% | 5,487 |
| Noninterest income to average assets | 0.1515% | 6,804 |
| Noninterest expense to average assets | 2.9945% | 3,733 |
| Loan and lease loss provision to assets | 0.0303% | 6,639 |
| Net operating income to assets | 0.2399% | 5,407 |
| Return on assets (ROA) | 0.2399% | 5,553 |
| Pretax return on assets | 0.2399% | 5,681 |
| Return on Equity (ROE) | 2.6920% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.6920% | 4,427 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7247% | 1,205 |
| Assets per employee ($millions) | 6.5467% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.7778% | 2,216 |
| Net loans and leases to deposits | 89.6562% | 1,918 |
| Net loans and leases to core deposits | 113.4455% | 947 |
| Total domestic deposits to total assets | 81.1743% | 5,340 |
| Equity capital to assets | 8.3601% | 6,344 |
| Core capital (leverage) ratio | 8.8995% | 4,751 |
| Tier 1 risk-based capital ratio | 9.9473% | 7,054 |
| Total risk-based capital ratio | 10.8379% | 7,226 |
| Memoranda: | ||
| Average total assets | $79,212,000 | 5,724 |
| Average earning assets | $71,732,330 | 5,715 |
| Average equity | $7,058,000 | 6,118 |
| Average total loans | $61,325,000 | 5,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 4,989 |
| Cost of funding earning assets | 1.3206% | 4,687 |
| Net interest margin | 3.6870% | 4,319 |
| Noninterest income to average assets | 0.1469% | 6,923 |
| Noninterest expense to average assets | 3.1522% | 3,046 |
| Loan and lease loss provision to assets | 0.0315% | 6,362 |
| Net operating income to assets | 0.1993% | 5,694 |
| Return on assets (ROA) | 0.1993% | 5,811 |
| Pretax return on assets | 0.1993% | 5,879 |
| Return on Equity (ROE) | 2.1623% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.1623% | 4,835 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1783% | 1,188 |
| Assets per employee ($millions) | 5.5679% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,251 |
| Loan loss allowance to noncurrent loans | 144.5977% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 6,010 |
| Noncurrent loans to loans | 0.7232% | 5,875 |
| Net loans and leases to total assets | 82.2279% | 566 |
| Net loans and leases to deposits | 105.2968% | 461 |
| Net loans and leases to core deposits | 135.4829% | 389 |
| Total domestic deposits to total assets | 78.0915% | 6,292 |
| Equity capital to assets | 9.7371% | 4,183 |
| Core capital (leverage) ratio | 9.4497% | 3,854 |
| Tier 1 risk-based capital ratio | 10.3493% | 6,759 |
| Total risk-based capital ratio | 11.2740% | 7,010 |
| Memoranda: | ||
| Average total assets | $76,264,500 | 5,872 |
| Average earning assets | $66,937,000 | 5,935 |
| Average equity | $7,029,500 | 6,181 |
| Average total loans | $60,700,500 | 5,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 6,128 |
| Cost of funding earning assets | 1.5208% | 5,432 |
| Net interest margin | 3.5690% | 4,656 |
| Noninterest income to average assets | 0.2665% | 6,208 |
| Noninterest expense to average assets | 3.1540% | 3,531 |
| Loan and lease loss provision to assets | 0.1886% | 5,836 |
| Net operating income to assets | 0.1557% | 5,035 |
| Return on assets (ROA) | 0.1557% | 5,104 |
| Pretax return on assets | 0.1557% | 5,100 |
| Return on Equity (ROE) | 1.5030% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.5030% | 4,017 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1583% | 1,695 |
| Assets per employee ($millions) | 6.6788% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 6,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.6494% | 1,891 |
| Net loans and leases to deposits | 90.2985% | 2,175 |
| Net loans and leases to core deposits | 107.7235% | 3,130 |
| Total domestic deposits to total assets | 83.7771% | 4,136 |
| Equity capital to assets | 8.7478% | 5,519 |
| Core capital (leverage) ratio | 9.7711% | 3,365 |
| Tier 1 risk-based capital ratio | 10.1691% | 6,714 |
| Total risk-based capital ratio | 11.0759% | 6,987 |
| Memoranda: | ||
| Average total assets | $66,803,000 | 6,117 |
| Average earning assets | $60,493,400 | 6,108 |
| Average equity | $6,919,400 | 6,295 |
| Average total loans | $55,956,200 | 5,418 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 6,433 |
| Cost of funding earning assets | 1.5728% | 5,523 |
| Net interest margin | 3.4821% | 4,940 |
| Noninterest income to average assets | 0.2038% | 6,761 |
| Noninterest expense to average assets | 3.1764% | 3,375 |
| Loan and lease loss provision to assets | 0.2269% | 5,155 |
| Net operating income to assets | 0.0609% | 5,574 |
| Return on assets (ROA) | 0.0609% | 5,616 |
| Pretax return on assets | 0.0609% | 5,598 |
| Return on Equity (ROE) | 0.5607% | 5,630 |
| Retained earnings to average equity (ytd only) | 0.5607% | 4,973 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6919% | 1,565 |
| Assets per employee ($millions) | 5.6453% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 86.6466% | 301 |
| Net loans and leases to deposits | 110.8453% | 432 |
| Net loans and leases to core deposits | 134.6323% | 1,171 |
| Total domestic deposits to total assets | 78.1690% | 6,033 |
| Equity capital to assets | 10.2476% | 3,793 |
| Core capital (leverage) ratio | 10.0832% | 3,200 |
| Tier 1 risk-based capital ratio | 10.5465% | 6,418 |
| Total risk-based capital ratio | 11.4706% | 6,696 |
| Memoranda: | ||
| Average total assets | $63,467,250 | 6,267 |
| Average earning assets | $59,427,000 | 6,190 |
| Average equity | $6,896,500 | 6,355 |
| Average total loans | $54,632,000 | 5,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 6,770 |
| Cost of funding earning assets | 1.6070% | 5,718 |
| Net interest margin | 3.3938% | 5,195 |
| Noninterest income to average assets | 0.1934% | 6,908 |
| Noninterest expense to average assets | 3.2043% | 3,327 |
| Loan and lease loss provision to assets | 0.2514% | 4,560 |
| Net operating income to assets | -0.0967% | 6,000 |
| Return on assets (ROA) | -0.0967% | 6,051 |
| Pretax return on assets | -0.0967% | 5,988 |
| Return on Equity (ROE) | -0.8719% | 6,057 |
| Retained earnings to average equity (ytd only) | -0.8719% | 5,446 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3935% | 1,415 |
| Assets per employee ($millions) | 5.8198% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 89.0047% | 184 |
| Net loans and leases to deposits | 120.0771% | 233 |
| Net loans and leases to core deposits | 152.3218% | 592 |
| Total domestic deposits to total assets | 74.1229% | 6,936 |
| Equity capital to assets | 10.7251% | 3,180 |
| Core capital (leverage) ratio | 10.6317% | 2,712 |
| Tier 1 risk-based capital ratio | 10.0728% | 6,852 |
| Total risk-based capital ratio | 10.9198% | 7,199 |
| Memoranda: | ||
| Average total assets | $62,042,000 | 6,370 |
| Average earning assets | $57,870,330 | 6,318 |
| Average equity | $6,881,330 | 6,411 |
| Average total loans | $53,075,330 | 5,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 7,087 |
| Cost of funding earning assets | 1.5499% | 6,236 |
| Net interest margin | 3.3854% | 5,189 |
| Noninterest income to average assets | 0.1965% | 6,891 |
| Noninterest expense to average assets | 3.2234% | 2,884 |
| Loan and lease loss provision to assets | 0.1572% | 4,920 |
| Net operating income to assets | -0.0786% | 6,376 |
| Return on assets (ROA) | -0.0786% | 6,495 |
| Pretax return on assets | -0.0786% | 6,459 |
| Return on Equity (ROE) | -0.6968% | 6,495 |
| Retained earnings to average equity (ytd only) | -0.6968% | 5,813 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6190% | 1,232 |
| Assets per employee ($millions) | 6.0206% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 86.2057% | 418 |
| Net loans and leases to deposits | 116.3726% | 380 |
| Net loans and leases to core deposits | 146.1341% | 855 |
| Total domestic deposits to total assets | 74.0773% | 6,878 |
| Equity capital to assets | 11.4241% | 2,640 |
| Core capital (leverage) ratio | 11.6343% | 2,077 |
| Tier 1 risk-based capital ratio | 10.8115% | 6,084 |
| Total risk-based capital ratio | 11.6341% | 6,425 |
| Memoranda: | ||
| Average total assets | $61,054,000 | 6,437 |
| Average earning assets | $56,004,500 | 6,417 |
| Average equity | $6,889,000 | 6,448 |
| Average total loans | $50,836,000 | 5,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 6,881 |
| Cost of funding earning assets | 1.5680% | 7,503 |
| Net interest margin | 4.0988% | 2,715 |
| Noninterest income to average assets | 0.2247% | 6,836 |
| Noninterest expense to average assets | 4.2789% | 1,071 |
| Loan and lease loss provision to assets | 0.3452% | 3,635 |
| Net operating income to assets | -0.5821% | 6,989 |
| Return on assets (ROA) | -0.5821% | 6,876 |
| Pretax return on assets | -0.5821% | 6,720 |
| Return on Equity (ROE) | -4.0909% | 6,755 |
| Retained earnings to average equity (ytd only) | -4.0909% | 6,340 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8615% | 814 |
| Assets per employee ($millions) | 5.6275% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 5,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.7584% | 1,947 |
| Net loans and leases to deposits | 102.9543% | 1,478 |
| Net loans and leases to core deposits | 113.9009% | 3,354 |
| Total domestic deposits to total assets | 76.4983% | 6,120 |
| Equity capital to assets | 11.1467% | 2,927 |
| Core capital (leverage) ratio | 12.3280% | 1,817 |
| Tier 1 risk-based capital ratio | 11.3275% | 5,410 |
| Total risk-based capital ratio | 12.1491% | 5,733 |
| Memoranda: | ||
| Average total assets | $48,961,200 | 6,824 |
| Average earning assets | $45,599,200 | 6,788 |
| Average equity | $6,966,600 | 6,469 |
| Average total loans | $40,589,600 | 6,142 |