Home > Sumner National Bank of Sheldon > Performance and Condition Ratios
Sumner National Bank of Sheldon, 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 | 3.1132% | 5,458 |
| Cost of funding earning assets | 0.1540% | 5,460 |
| Net interest margin | 2.9593% | 5,083 |
| Noninterest income to average assets | 0.6678% | 2,331 |
| Noninterest expense to average assets | 3.8859% | 686 |
| Loan and lease loss provision to assets | 0.2290% | 880 |
| Net operating income to assets | -0.6360% | 5,874 |
| Return on assets (ROA) | -0.6360% | 5,876 |
| Pretax return on assets | -0.6360% | 5,870 |
| Return on Equity (ROE) | -7.8165% | 5,890 |
| Retained earnings to average equity (ytd only) | -7.8165% | 5,813 |
| Net charge-offs to loans | 0.9080% | 195 |
| Credit loss provision to net charge-offs | 52.9412% | 2,993 |
| Earnings coverage of net charge-offs (x) | -0.9412% | 3,851 |
| Efficiency ratio | 111.7002% | 113 |
| Assets per employee ($millions) | 2.9901% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,369 |
| Loan loss allowance to noncurrent loans | 149.2958% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 1,545 |
| Noncurrent loans to loans | 0.6740% | 3,003 |
| Net loans and leases to total assets | 43.5935% | 5,218 |
| Net loans and leases to deposits | 46.8632% | 5,418 |
| Net loans and leases to core deposits | 48.5226% | 5,435 |
| Total domestic deposits to total assets | 93.0229% | 34 |
| Equity capital to assets | 6.8852% | 5,896 |
| Core capital (leverage) ratio | 7.6028% | 5,812 |
| Tier 1 risk-based capital ratio | 13.9131% | 3,600 |
| Total risk-based capital ratio | 14.8196% | 3,731 |
| Memoranda: | ||
| Average total assets | $20,964,250 | 5,890 |
| Average earning assets | $19,914,500 | 5,865 |
| Average equity | $1,705,750 | 5,937 |
| Average total loans | $9,984,500 | 5,832 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 5,352 |
| Cost of funding earning assets | 0.1476% | 5,560 |
| Net interest margin | 3.1097% | 4,806 |
| Noninterest income to average assets | 0.5406% | 2,951 |
| Noninterest expense to average assets | 3.6339% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1401% | 5,832 |
| Return on assets (ROA) | -0.1401% | 5,849 |
| Pretax return on assets | -0.1401% | 5,846 |
| Return on Equity (ROE) | -1.6229% | 5,861 |
| Retained earnings to average equity (ytd only) | -1.6229% | 5,504 |
| Net charge-offs to loans | 0.3265% | 720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 3,581 |
| Efficiency ratio | 104.0115% | 190 |
| Assets per employee ($millions) | 2.6689% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 3,147 |
| Loan loss allowance to noncurrent loans | 48.2213% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 2,017 |
| Noncurrent loans to loans | 2.5664% | 663 |
| Net loans and leases to total assets | 40.5329% | 5,392 |
| Net loans and leases to deposits | 43.7043% | 5,579 |
| Net loans and leases to core deposits | 45.2500% | 5,586 |
| Total domestic deposits to total assets | 92.7435% | 38 |
| Equity capital to assets | 7.2481% | 5,944 |
| Core capital (leverage) ratio | 8.5766% | 5,287 |
| Tier 1 risk-based capital ratio | 16.0318% | 2,627 |
| Total risk-based capital ratio | 17.1736% | 2,619 |
| Memoranda: | ||
| Average total assets | $19,978,670 | 5,979 |
| Average earning assets | $18,973,000 | 5,954 |
| Average equity | $1,725,330 | 6,010 |
| Average total loans | $9,801,330 | 5,906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,474 |
| Cost of funding earning assets | 0.1649% | 5,509 |
| Net interest margin | 3.4856% | 3,531 |
| Noninterest income to average assets | 0.7128% | 1,978 |
| Noninterest expense to average assets | 3.7421% | 851 |
| Loan and lease loss provision to assets | 0.2896% | 556 |
| Net operating income to assets | -0.0223% | 5,799 |
| Return on assets (ROA) | -0.0223% | 5,825 |
| Pretax return on assets | -0.0223% | 5,826 |
| Return on Equity (ROE) | -0.2329% | 5,831 |
| Retained earnings to average equity (ytd only) | -0.2329% | 5,152 |
| Net charge-offs to loans | 0.6549% | 329 |
| Credit loss provision to net charge-offs | 81.2500% | 1,830 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 2,897 |
| Efficiency ratio | 93.3333% | 485 |
| Assets per employee ($millions) | 2.3039% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,414 |
| Loan loss allowance to noncurrent loans | 80.8383% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 2,427 |
| Noncurrent loans to loans | 1.7342% | 1,293 |
| Net loans and leases to total assets | 51.5165% | 4,676 |
| Net loans and leases to deposits | 56.8563% | 4,926 |
| Net loans and leases to core deposits | 59.5709% | 4,967 |
| Total domestic deposits to total assets | 90.6082% | 397 |
| Equity capital to assets | 9.3701% | 4,813 |
| Core capital (leverage) ratio | 9.3560% | 4,416 |
| Tier 1 risk-based capital ratio | 16.9698% | 2,302 |
| Total risk-based capital ratio | 18.2185% | 2,253 |
| Memoranda: | ||
| Average total assets | $17,958,000 | 6,057 |
| Average earning assets | $16,984,000 | 6,037 |
| Average equity | $1,717,500 | 6,073 |
| Average total loans | $9,773,000 | 5,967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 5,111 |
| Cost of funding earning assets | 0.1464% | 5,705 |
| Net interest margin | 3.2763% | 4,387 |
| Noninterest income to average assets | 0.7308% | 2,060 |
| Noninterest expense to average assets | 3.6326% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2027% | 5,566 |
| Return on assets (ROA) | 0.2027% | 5,632 |
| Pretax return on assets | 0.2027% | 5,683 |
| Return on Equity (ROE) | 2.2345% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.6465% | 4,788 |
| Net charge-offs to loans | 0.1683% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.2353% | 3,946 |
| Efficiency ratio | 94.7149% | 453 |
| Assets per employee ($millions) | 2.1856% | 6,002 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,465 |
| Loan loss allowance to noncurrent loans | 56.5574% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8702% | 986 |
| Noncurrent loans to loans | 2.4607% | 757 |
| Net loans and leases to total assets | 55.9222% | 4,303 |
| Net loans and leases to deposits | 61.9881% | 4,638 |
| Net loans and leases to core deposits | 61.9881% | 4,878 |
| Total domestic deposits to total assets | 90.2145% | 539 |
| Equity capital to assets | 9.7684% | 4,220 |
| Core capital (leverage) ratio | 9.2056% | 4,610 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,296 |
| Total risk-based capital ratio | 18.2255% | 2,243 |
| Memoranda: | ||
| Average total assets | $18,747,000 | 6,109 |
| Average earning assets | $17,763,800 | 6,087 |
| Average equity | $1,700,600 | 6,129 |
| Average total loans | $10,100,000 | 6,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3847% | 5,233 |
| Cost of funding earning assets | 0.1475% | 5,798 |
| Net interest margin | 3.2372% | 4,559 |
| Noninterest income to average assets | 0.7204% | 2,148 |
| Noninterest expense to average assets | 3.5671% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2238% | 5,633 |
| Return on assets (ROA) | 0.2238% | 5,699 |
| Pretax return on assets | 0.2238% | 5,758 |
| Return on Equity (ROE) | 2.5118% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.5118% | 4,622 |
| Net charge-offs to loans | 0.1577% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.6669% | 3,622 |
| Efficiency ratio | 94.0959% | 488 |
| Assets per employee ($millions) | 2.3791% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 2,436 |
| Loan loss allowance to noncurrent loans | 40.3955% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.2803% | 811 |
| Noncurrent loans to loans | 3.5489% | 432 |
| Net loans and leases to total assets | 51.6576% | 4,785 |
| Net loans and leases to deposits | 56.8028% | 5,083 |
| Net loans and leases to core deposits | 56.8028% | 5,260 |
| Total domestic deposits to total assets | 90.9420% | 258 |
| Equity capital to assets | 9.0422% | 5,269 |
| Core capital (leverage) ratio | 9.1052% | 4,873 |
| Tier 1 risk-based capital ratio | 16.8282% | 2,428 |
| Total risk-based capital ratio | 18.0787% | 2,389 |
| Memoranda: | ||
| Average total assets | $19,062,500 | 6,192 |
| Average earning assets | $18,081,000 | 6,165 |
| Average equity | $1,698,750 | 6,216 |
| Average total loans | $10,146,000 | 6,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 5,346 |
| Cost of funding earning assets | 0.1437% | 5,900 |
| Net interest margin | 3.2048% | 4,649 |
| Noninterest income to average assets | 0.6711% | 2,349 |
| Noninterest expense to average assets | 3.5968% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1154% | 5,854 |
| Return on assets (ROA) | 0.1154% | 5,906 |
| Pretax return on assets | 0.1154% | 5,921 |
| Return on Equity (ROE) | 1.3008% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.3008% | 5,029 |
| Net charge-offs to loans | 0.2744% | 963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 3,624 |
| Efficiency ratio | 96.8927% | 408 |
| Assets per employee ($millions) | 2.8968% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,823 |
| Loan loss allowance to noncurrent loans | 49.4737% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 1,535 |
| Noncurrent loans to loans | 2.8032% | 741 |
| Net loans and leases to total assets | 43.2640% | 5,421 |
| Net loans and leases to deposits | 46.6564% | 5,642 |
| Net loans and leases to core deposits | 46.6564% | 5,735 |
| Total domestic deposits to total assets | 92.7289% | 69 |
| Equity capital to assets | 7.2452% | 6,156 |
| Core capital (leverage) ratio | 9.0198% | 4,944 |
| Tier 1 risk-based capital ratio | 16.7610% | 2,504 |
| Total risk-based capital ratio | 18.0105% | 2,457 |
| Memoranda: | ||
| Average total assets | $19,072,330 | 6,267 |
| Average earning assets | $18,097,670 | 6,243 |
| Average equity | $1,691,330 | 6,292 |
| Average total loans | $10,203,000 | 6,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,071 |
| Cost of funding earning assets | 0.1494% | 5,926 |
| Net interest margin | 3.6356% | 2,874 |
| Noninterest income to average assets | 0.6815% | 2,251 |
| Noninterest expense to average assets | 4.0654% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0470% | 5,956 |
| Return on assets (ROA) | 0.1175% | 5,904 |
| Pretax return on assets | 0.1175% | 5,930 |
| Return on Equity (ROE) | 1.1782% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.1782% | 5,017 |
| Net charge-offs to loans | 0.6262% | 388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 3,099 |
| Efficiency ratio | 98.8571% | 401 |
| Assets per employee ($millions) | 2.1565% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,048 |
| Loan loss allowance to noncurrent loans | 63.1818% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 1,426 |
| Noncurrent loans to loans | 2.1728% | 1,174 |
| Net loans and leases to total assets | 57.8831% | 3,957 |
| Net loans and leases to deposits | 64.2558% | 4,347 |
| Net loans and leases to core deposits | 64.2558% | 4,672 |
| Total domestic deposits to total assets | 90.0823% | 705 |
| Equity capital to assets | 9.8655% | 4,304 |
| Core capital (leverage) ratio | 9.8834% | 3,777 |
| Tier 1 risk-based capital ratio | 17.5593% | 2,282 |
| Total risk-based capital ratio | 18.8107% | 2,240 |
| Memoranda: | ||
| Average total assets | $17,021,500 | 6,358 |
| Average earning assets | $16,063,500 | 6,335 |
| Average equity | $1,697,500 | 6,356 |
| Average total loans | $10,221,000 | 6,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,605 |
| Cost of funding earning assets | 0.1510% | 6,095 |
| Net interest margin | 3.6126% | 3,366 |
| Noninterest income to average assets | 0.9183% | 1,447 |
| Noninterest expense to average assets | 3.8214% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5076% | 4,783 |
| Return on assets (ROA) | 0.5076% | 4,867 |
| Pretax return on assets | 0.5076% | 5,231 |
| Return on Equity (ROE) | 5.3660% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.6528% | 4,354 |
| Net charge-offs to loans | 0.0386% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,634 |
| Efficiency ratio | 88.2740% | 970 |
| Assets per employee ($millions) | 2.3987% | 6,221 |
| Cash dividends to net income (ytd only)* | 50.5618% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 2,460 |
| Loan loss allowance to noncurrent loans | 96.8750% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 1,928 |
| Noncurrent loans to loans | 1.5508% | 1,890 |
| Net loans and leases to total assets | 60.5205% | 3,713 |
| Net loans and leases to deposits | 67.3248% | 4,192 |
| Net loans and leases to core deposits | 67.3248% | 4,567 |
| Total domestic deposits to total assets | 89.8934% | 778 |
| Equity capital to assets | 10.0828% | 4,005 |
| Core capital (leverage) ratio | 10.0844% | 3,457 |
| Tier 1 risk-based capital ratio | 18.0655% | 2,111 |
| Total risk-based capital ratio | 19.3235% | 2,077 |
| Memoranda: | ||
| Average total assets | $17,532,800 | 6,436 |
| Average earning assets | $16,553,000 | 6,417 |
| Average equity | $1,658,600 | 6,443 |
| Average total loans | $10,360,200 | 6,306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,863 |
| Cost of funding earning assets | 0.1515% | 6,178 |
| Net interest margin | 3.5479% | 3,637 |
| Noninterest income to average assets | 0.9180% | 1,456 |
| Noninterest expense to average assets | 3.7700% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4967% | 4,887 |
| Return on assets (ROA) | 0.4967% | 4,956 |
| Pretax return on assets | 0.4967% | 5,336 |
| Return on Equity (ROE) | 5.3333% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,868 |
| Net charge-offs to loans | 0.0386% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,651 |
| Efficiency ratio | 88.3598% | 970 |
| Assets per employee ($millions) | 2.0991% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 2,810 |
| Loan loss allowance to noncurrent loans | 76.4706% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.7090% | 1,760 |
| Noncurrent loans to loans | 1.9392% | 1,649 |
| Net loans and leases to total assets | 61.7162% | 3,533 |
| Net loans and leases to deposits | 68.7131% | 4,053 |
| Net loans and leases to core deposits | 68.7131% | 4,442 |
| Total domestic deposits to total assets | 89.8172% | 813 |
| Equity capital to assets | 10.1471% | 3,996 |
| Core capital (leverage) ratio | 9.8110% | 3,927 |
| Tier 1 risk-based capital ratio | 18.1761% | 2,155 |
| Total risk-based capital ratio | 19.4340% | 2,111 |
| Memoranda: | ||
| Average total assets | $17,718,250 | 6,515 |
| Average earning assets | $16,723,250 | 6,494 |
| Average equity | $1,650,000 | 6,519 |
| Average total loans | $10,371,000 | 6,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 5,106 |
| Cost of funding earning assets | 0.1408% | 6,314 |
| Net interest margin | 3.4740% | 3,881 |
| Noninterest income to average assets | 0.9209% | 1,419 |
| Noninterest expense to average assets | 3.7167% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4882% | 4,857 |
| Return on assets (ROA) | 0.4882% | 4,929 |
| Pretax return on assets | 0.4882% | 5,309 |
| Return on Equity (ROE) | 5.3922% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.3922% | 2,702 |
| Net charge-offs to loans | 0.0194% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 983 |
| Efficiency ratio | 88.3905% | 1,051 |
| Assets per employee ($millions) | 2.5441% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 2,743 |
| Loan loss allowance to noncurrent loans | 54.8611% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.0734% | 1,518 |
| Noncurrent loans to loans | 2.7967% | 1,077 |
| Net loans and leases to total assets | 49.8207% | 4,979 |
| Net loans and leases to deposits | 54.2420% | 5,338 |
| Net loans and leases to core deposits | 54.2420% | 5,532 |
| Total domestic deposits to total assets | 91.8489% | 193 |
| Equity capital to assets | 8.1020% | 6,093 |
| Core capital (leverage) ratio | 9.6605% | 4,097 |
| Tier 1 risk-based capital ratio | 17.6925% | 2,356 |
| Total risk-based capital ratio | 18.9504% | 2,319 |
| Memoranda: | ||
| Average total assets | $18,026,670 | 6,579 |
| Average earning assets | $17,041,000 | 6,553 |
| Average equity | $1,632,000 | 6,585 |
| Average total loans | $10,321,330 | 6,442 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,489 |
| Cost of funding earning assets | 0.1510% | 6,349 |
| Net interest margin | 3.6483% | 3,069 |
| Noninterest income to average assets | 0.9014% | 1,392 |
| Noninterest expense to average assets | 4.0561% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2846% | 5,551 |
| Return on assets (ROA) | 0.2846% | 5,594 |
| Pretax return on assets | 0.2846% | 5,752 |
| Return on Equity (ROE) | 2.9566% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.9566% | 4,331 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4426% | 785 |
| Assets per employee ($millions) | 2.1433% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 2,750 |
| Loan loss allowance to noncurrent loans | 97.5460% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7380% | 2,030 |
| Noncurrent loans to loans | 1.6297% | 2,389 |
| Net loans and leases to total assets | 57.4070% | 3,941 |
| Net loans and leases to deposits | 63.5073% | 4,374 |
| Net loans and leases to core deposits | 63.5073% | 4,734 |
| Total domestic deposits to total assets | 90.3943% | 863 |
| Equity capital to assets | 9.5474% | 4,433 |
| Core capital (leverage) ratio | 9.7654% | 3,911 |
| Tier 1 risk-based capital ratio | 18.4551% | 2,138 |
| Total risk-based capital ratio | 19.7059% | 2,099 |
| Memoranda: | ||
| Average total assets | $16,863,500 | 6,665 |
| Average earning assets | $15,898,000 | 6,640 |
| Average equity | $1,623,500 | 6,651 |
| Average total loans | $10,333,000 | 6,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 5,194 |
| Cost of funding earning assets | 0.1831% | 6,378 |
| Net interest margin | 3.4968% | 3,924 |
| Noninterest income to average assets | 0.8412% | 1,899 |
| Noninterest expense to average assets | 3.7999% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3205% | 5,452 |
| Return on assets (ROA) | 0.3205% | 5,549 |
| Pretax return on assets | 0.3205% | 5,674 |
| Return on Equity (ROE) | 3.4615% | 5,342 |
| Retained earnings to average equity (ytd only) | 1.7307% | 5,008 |
| Net charge-offs to loans | 0.0494% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,265 |
| Efficiency ratio | 92.2222% | 865 |
| Assets per employee ($millions) | 2.0726% | 6,619 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,245 |
| Loan loss allowance to noncurrent loans | 72.6027% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 1,682 |
| Noncurrent loans to loans | 2.0536% | 1,930 |
| Net loans and leases to total assets | 63.3556% | 3,150 |
| Net loans and leases to deposits | 70.1971% | 3,763 |
| Net loans and leases to core deposits | 71.4091% | 4,142 |
| Total domestic deposits to total assets | 90.2539% | 937 |
| Equity capital to assets | 9.7099% | 4,154 |
| Core capital (leverage) ratio | 9.7517% | 3,905 |
| Tier 1 risk-based capital ratio | 16.8535% | 2,677 |
| Total risk-based capital ratio | 18.1056% | 2,639 |
| Memoranda: | ||
| Average total assets | $17,474,000 | 6,733 |
| Average earning assets | $16,386,400 | 6,712 |
| Average equity | $1,617,800 | 6,746 |
| Average total loans | $10,119,200 | 6,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 5,500 |
| Cost of funding earning assets | 0.1930% | 6,430 |
| Net interest margin | 3.3860% | 4,331 |
| Noninterest income to average assets | 0.8287% | 2,013 |
| Noninterest expense to average assets | 3.7595% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2411% | 5,804 |
| Return on assets (ROA) | 0.2411% | 5,891 |
| Pretax return on assets | 0.2411% | 5,977 |
| Return on Equity (ROE) | 2.6344% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.0577% | 5,096 |
| Net charge-offs to loans | 0.0668% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.3973% | 2,982 |
| Efficiency ratio | 93.9736% | 738 |
| Assets per employee ($millions) | 2.0924% | 6,681 |
| Cash dividends to net income (ytd only)* | 21.8655% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,440 |
| Loan loss allowance to noncurrent loans | 128.2258% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 2,586 |
| Noncurrent loans to loans | 1.1721% | 3,475 |
| Net loans and leases to total assets | 62.2498% | 3,318 |
| Net loans and leases to deposits | 69.5223% | 3,851 |
| Net loans and leases to core deposits | 70.7208% | 4,239 |
| Total domestic deposits to total assets | 89.5394% | 1,272 |
| Equity capital to assets | 9.6780% | 4,326 |
| Core capital (leverage) ratio | 8.9744% | 5,163 |
| Tier 1 risk-based capital ratio | 17.0174% | 2,697 |
| Total risk-based capital ratio | 18.2737% | 2,661 |
| Memoranda: | ||
| Average total assets | $17,697,250 | 6,808 |
| Average earning assets | $16,577,500 | 6,786 |
| Average equity | $1,619,750 | 6,825 |
| Average total loans | $9,983,000 | 6,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 5,824 |
| Cost of funding earning assets | 0.1896% | 6,526 |
| Net interest margin | 3.2472% | 4,784 |
| Noninterest income to average assets | 0.6772% | 2,756 |
| Noninterest expense to average assets | 3.7299% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0111% | 6,310 |
| Return on assets (ROA) | -0.0111% | 6,373 |
| Pretax return on assets | -0.0111% | 6,368 |
| Return on Equity (ROE) | -0.1235% | 6,374 |
| Retained earnings to average equity (ytd only) | -0.9879% | 6,051 |
| Net charge-offs to loans | 0.0613% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,639 |
| Efficiency ratio | 100.2985% | 476 |
| Assets per employee ($millions) | 2.4200% | 6,565 |
| Cash dividends to net income (ytd only)* | -700.0000% | 6,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,021 |
| Loan loss allowance to noncurrent loans | 315.6863% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4618% | 2,912 |
| Noncurrent loans to loans | 0.5186% | 4,972 |
| Net loans and leases to total assets | 49.9638% | 5,114 |
| Net loans and leases to deposits | 54.4375% | 5,482 |
| Net loans and leases to core deposits | 55.2238% | 5,659 |
| Total domestic deposits to total assets | 91.7820% | 302 |
| Equity capital to assets | 8.1663% | 6,079 |
| Core capital (leverage) ratio | 9.4183% | 4,361 |
| Tier 1 risk-based capital ratio | 17.5427% | 2,497 |
| Total risk-based capital ratio | 18.8004% | 2,460 |
| Memoranda: | ||
| Average total assets | $18,016,670 | 6,852 |
| Average earning assets | $16,876,000 | 6,828 |
| Average equity | $1,619,670 | 6,871 |
| Average total loans | $9,784,330 | 6,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 5,739 |
| Cost of funding earning assets | 0.1979% | 6,583 |
| Net interest margin | 3.2893% | 4,553 |
| Noninterest income to average assets | 0.3920% | 4,521 |
| Noninterest expense to average assets | 3.8743% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4151% | 6,635 |
| Return on assets (ROA) | -0.4151% | 6,667 |
| Pretax return on assets | -0.4151% | 6,641 |
| Return on Equity (ROE) | -4.3929% | 6,673 |
| Retained earnings to average equity (ytd only) | -6.1013% | 6,424 |
| Net charge-offs to loans | 0.0410% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 4,118 |
| Efficiency ratio | 112.0000% | 304 |
| Assets per employee ($millions) | 2.1281% | 6,805 |
| Cash dividends to net income (ytd only)* | -38.8889% | 6,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 2,886 |
| Loan loss allowance to noncurrent loans | 54.3333% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.0132% | 1,489 |
| Noncurrent loans to loans | 3.1813% | 1,552 |
| Net loans and leases to total assets | 54.4317% | 4,344 |
| Net loans and leases to deposits | 60.2183% | 4,768 |
| Net loans and leases to core deposits | 61.2249% | 5,024 |
| Total domestic deposits to total assets | 90.3906% | 822 |
| Equity capital to assets | 9.5330% | 4,804 |
| Core capital (leverage) ratio | 9.1786% | 4,601 |
| Tier 1 risk-based capital ratio | 18.6020% | 2,156 |
| Total risk-based capital ratio | 19.8551% | 2,128 |
| Memoranda: | ||
| Average total assets | $17,345,000 | 6,934 |
| Average earning assets | $16,173,500 | 6,912 |
| Average equity | $1,639,000 | 6,937 |
| Average total loans | $9,759,500 | 6,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 5,834 |
| Cost of funding earning assets | 0.2827% | 6,537 |
| Net interest margin | 3.5121% | 4,448 |
| Noninterest income to average assets | 0.8602% | 1,994 |
| Noninterest expense to average assets | 3.6319% | 1,540 |
| Loan and lease loss provision to assets | 0.0169% | 5,692 |
| Net operating income to assets | 0.4947% | 4,706 |
| Return on assets (ROA) | 0.4947% | 4,957 |
| Pretax return on assets | 0.4947% | 5,295 |
| Return on Equity (ROE) | 5.4388% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.4499% | 3,103 |
| Net charge-offs to loans | 0.0198% | 5,630 |
| Credit loss provision to net charge-offs | 150.0000% | 1,819 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 720 |
| Efficiency ratio | 87.6526% | 1,268 |
| Assets per employee ($millions) | 2.2081% | 6,831 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 3,198 |
| Loan loss allowance to noncurrent loans | 67.2131% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.7965% | 1,714 |
| Noncurrent loans to loans | 2.4185% | 2,203 |
| Net loans and leases to total assets | 56.1845% | 4,259 |
| Net loans and leases to deposits | 62.0196% | 4,782 |
| Net loans and leases to core deposits | 63.0159% | 5,061 |
| Total domestic deposits to total assets | 90.5916% | 668 |
| Equity capital to assets | 9.3688% | 5,041 |
| Core capital (leverage) ratio | 9.3984% | 4,256 |
| Tier 1 risk-based capital ratio | 17.5861% | 2,423 |
| Total risk-based capital ratio | 18.8369% | 2,389 |
| Memoranda: | ||
| Average total assets | $17,787,000 | 6,990 |
| Average earning assets | $16,628,200 | 6,966 |
| Average equity | $1,618,000 | 7,013 |
| Average total loans | $10,088,200 | 6,844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 6,106 |
| Cost of funding earning assets | 0.2960% | 6,635 |
| Net interest margin | 3.4641% | 4,792 |
| Noninterest income to average assets | 0.8456% | 2,054 |
| Noninterest expense to average assets | 3.6517% | 1,452 |
| Loan and lease loss provision to assets | 0.0224% | 5,516 |
| Net operating income to assets | 0.4116% | 5,198 |
| Return on assets (ROA) | 0.4116% | 5,435 |
| Pretax return on assets | 0.4116% | 5,693 |
| Return on Equity (ROE) | 4.5582% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.6469% | 4,321 |
| Net charge-offs to loans | -0.0265% | 6,554 |
| Credit loss provision to net charge-offs | -150.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3773% | 1,078 |
| Assets per employee ($millions) | 2.1755% | 6,931 |
| Cash dividends to net income (ytd only)* | 20.0055% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 3,608 |
| Loan loss allowance to noncurrent loans | 41.1765% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.9591% | 1,769 |
| Noncurrent loans to loans | 3.8331% | 1,372 |
| Net loans and leases to total assets | 60.1931% | 3,744 |
| Net loans and leases to deposits | 66.4468% | 4,419 |
| Net loans and leases to core deposits | 68.6591% | 4,654 |
| Total domestic deposits to total assets | 90.5884% | 567 |
| Equity capital to assets | 9.3772% | 5,369 |
| Core capital (leverage) ratio | 9.3058% | 4,575 |
| Tier 1 risk-based capital ratio | 17.0065% | 2,728 |
| Total risk-based capital ratio | 18.2678% | 2,680 |
| Memoranda: | ||
| Average total assets | $17,817,500 | 7,086 |
| Average earning assets | $16,666,000 | 7,057 |
| Average equity | $1,608,750 | 7,108 |
| Average total loans | $10,088,000 | 6,933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 6,340 |
| Cost of funding earning assets | 0.3092% | 6,696 |
| Net interest margin | 3.3891% | 5,122 |
| Noninterest income to average assets | 0.8577% | 1,943 |
| Noninterest expense to average assets | 3.6090% | 1,563 |
| Loan and lease loss provision to assets | 0.0334% | 5,252 |
| Net operating income to assets | 0.3899% | 5,247 |
| Return on assets (ROA) | 0.3899% | 5,490 |
| Pretax return on assets | 0.3899% | 5,729 |
| Return on Equity (ROE) | 4.3723% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,949 |
| Net charge-offs to loans | -0.0202% | 6,433 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5028% | 1,116 |
| Assets per employee ($millions) | 2.5439% | 6,719 |
| Cash dividends to net income (ytd only)* | 8.5714% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 3,242 |
| Loan loss allowance to noncurrent loans | 65.7480% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7935% | 3,048 |
| Noncurrent loans to loans | 2.5803% | 2,328 |
| Net loans and leases to total assets | 47.5505% | 5,655 |
| Net loans and leases to deposits | 51.6796% | 6,046 |
| Net loans and leases to core deposits | 53.1178% | 6,153 |
| Total domestic deposits to total assets | 92.0102% | 223 |
| Equity capital to assets | 7.9505% | 6,594 |
| Core capital (leverage) ratio | 9.0484% | 4,848 |
| Tier 1 risk-based capital ratio | 18.2086% | 2,223 |
| Total risk-based capital ratio | 19.4671% | 2,193 |
| Memoranda: | ||
| Average total assets | $17,955,330 | 7,144 |
| Average earning assets | $16,818,670 | 7,119 |
| Average equity | $1,601,000 | 7,162 |
| Average total loans | $9,902,670 | 6,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 5,774 |
| Cost of funding earning assets | 0.3328% | 6,712 |
| Net interest margin | 3.6613% | 4,002 |
| Noninterest income to average assets | 0.8116% | 2,112 |
| Noninterest expense to average assets | 3.8908% | 1,077 |
| Loan and lease loss provision to assets | 0.0716% | 4,505 |
| Net operating income to assets | 0.2626% | 5,774 |
| Return on assets (ROA) | 0.2626% | 5,938 |
| Pretax return on assets | 0.2626% | 6,054 |
| Return on Equity (ROE) | 2.7630% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.7630% | 4,875 |
| Net charge-offs to loans | -0.0403% | 6,451 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0904% | 943 |
| Assets per employee ($millions) | 2.1226% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 3,233 |
| Loan loss allowance to noncurrent loans | 48.4058% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.8326% | 2,068 |
| Noncurrent loans to loans | 3.5718% | 1,740 |
| Net loans and leases to total assets | 55.8978% | 4,405 |
| Net loans and leases to deposits | 61.7286% | 4,959 |
| Net loans and leases to core deposits | 63.8375% | 5,132 |
| Total domestic deposits to total assets | 90.5541% | 775 |
| Equity capital to assets | 9.3811% | 4,991 |
| Core capital (leverage) ratio | 9.3665% | 4,249 |
| Tier 1 risk-based capital ratio | 18.2415% | 2,216 |
| Total risk-based capital ratio | 19.4959% | 2,189 |
| Memoranda: | ||
| Average total assets | $16,757,500 | 7,221 |
| Average earning assets | $15,623,000 | 7,203 |
| Average equity | $1,592,500 | 7,220 |
| Average total loans | $9,932,000 | 7,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 5,952 |
| Cost of funding earning assets | 0.4917% | 6,570 |
| Net interest margin | 3.7448% | 4,104 |
| Noninterest income to average assets | 0.7760% | 2,190 |
| Noninterest expense to average assets | 3.8743% | 1,222 |
| Loan and lease loss provision to assets | 0.1007% | 5,329 |
| Net operating income to assets | 0.3199% | 5,191 |
| Return on assets (ROA) | 0.3199% | 5,338 |
| Pretax return on assets | 0.3199% | 5,512 |
| Return on Equity (ROE) | 3.4965% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.4965% | 3,734 |
| Net charge-offs to loans | 0.2383% | 4,287 |
| Credit loss provision to net charge-offs | 70.8333% | 4,817 |
| Earnings coverage of net charge-offs (x) | 2.9583% | 3,725 |
| Efficiency ratio | 90.2069% | 1,172 |
| Assets per employee ($millions) | 2.0668% | 7,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,600 |
| Loan loss allowance to noncurrent loans | 29.6364% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 1,713 |
| Noncurrent loans to loans | 5.3895% | 1,001 |
| Net loans and leases to total assets | 60.7355% | 3,844 |
| Net loans and leases to deposits | 67.2515% | 4,546 |
| Net loans and leases to core deposits | 69.6104% | 4,833 |
| Total domestic deposits to total assets | 90.3109% | 806 |
| Equity capital to assets | 9.6286% | 4,703 |
| Core capital (leverage) ratio | 9.3023% | 4,327 |
| Tier 1 risk-based capital ratio | 17.4510% | 2,401 |
| Total risk-based capital ratio | 18.7133% | 2,362 |
| Memoranda: | ||
| Average total assets | $16,880,400 | 7,262 |
| Average earning assets | $15,862,200 | 7,234 |
| Average equity | $1,544,400 | 7,285 |
| Average total loans | $10,069,600 | 7,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 6,329 |
| Cost of funding earning assets | 0.5176% | 6,637 |
| Net interest margin | 3.6235% | 4,682 |
| Noninterest income to average assets | 0.7073% | 2,561 |
| Noninterest expense to average assets | 3.8348% | 1,257 |
| Loan and lease loss provision to assets | 0.1257% | 4,857 |
| Net operating income to assets | 0.1572% | 5,809 |
| Return on assets (ROA) | 0.1572% | 5,933 |
| Pretax return on assets | 0.1572% | 5,984 |
| Return on Equity (ROE) | 1.7403% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.7403% | 5,274 |
| Net charge-offs to loans | 0.2657% | 3,780 |
| Credit loss provision to net charge-offs | 80.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 1.7998% | 4,313 |
| Efficiency ratio | 93.1298% | 963 |
| Assets per employee ($millions) | 2.0588% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,693 |
| Loan loss allowance to noncurrent loans | 37.6417% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.8719% | 2,256 |
| Noncurrent loans to loans | 4.2347% | 1,547 |
| Net loans and leases to total assets | 62.2222% | 3,669 |
| Net loans and leases to deposits | 69.3088% | 4,416 |
| Net loans and leases to core deposits | 71.7597% | 4,745 |
| Total domestic deposits to total assets | 89.7753% | 994 |
| Equity capital to assets | 9.4718% | 5,128 |
| Core capital (leverage) ratio | 8.8428% | 5,190 |
| Tier 1 risk-based capital ratio | 16.9899% | 2,647 |
| Total risk-based capital ratio | 18.2459% | 2,605 |
| Memoranda: | ||
| Average total assets | $16,967,000 | 7,338 |
| Average earning assets | $15,969,250 | 7,309 |
| Average equity | $1,532,500 | 7,361 |
| Average total loans | $10,035,750 | 7,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 6,629 |
| Cost of funding earning assets | 0.5322% | 6,735 |
| Net interest margin | 3.4905% | 5,201 |
| Noninterest income to average assets | 0.6070% | 3,084 |
| Noninterest expense to average assets | 3.6889% | 1,549 |
| Loan and lease loss provision to assets | 0.1868% | 4,046 |
| Net operating income to assets | 0.0233% | 6,181 |
| Return on assets (ROA) | 0.0233% | 6,264 |
| Pretax return on assets | 0.0233% | 6,235 |
| Return on Equity (ROE) | 0.2626% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.2626% | 5,733 |
| Net charge-offs to loans | 0.0807% | 4,837 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,846 |
| Efficiency ratio | 94.6108% | 940 |
| Assets per employee ($millions) | 2.2190% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,927 |
| Loan loss allowance to noncurrent loans | 78.1116% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 4,167 |
| Noncurrent loans to loans | 2.3277% | 3,060 |
| Net loans and leases to total assets | 55.3628% | 5,092 |
| Net loans and leases to deposits | 60.6105% | 5,660 |
| Net loans and leases to core deposits | 62.5549% | 5,854 |
| Total domestic deposits to total assets | 91.3418% | 383 |
| Equity capital to assets | 8.6018% | 6,053 |
| Core capital (leverage) ratio | 8.8373% | 4,987 |
| Tier 1 risk-based capital ratio | 17.8162% | 2,233 |
| Total risk-based capital ratio | 19.0788% | 2,178 |
| Memoranda: | ||
| Average total assets | $17,132,670 | 7,404 |
| Average earning assets | $16,158,000 | 7,378 |
| Average equity | $1,523,330 | 7,435 |
| Average total loans | $9,909,670 | 7,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 6,515 |
| Cost of funding earning assets | 0.5557% | 6,781 |
| Net interest margin | 3.5364% | 4,863 |
| Noninterest income to average assets | 0.4993% | 3,898 |
| Noninterest expense to average assets | 3.8519% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0238% | 6,381 |
| Return on assets (ROA) | -0.0238% | 6,404 |
| Pretax return on assets | -0.0238% | 6,383 |
| Return on Equity (ROE) | -0.2629% | 6,411 |
| Retained earnings to average equity (ytd only) | -0.2629% | 5,841 |
| Net charge-offs to loans | 0.1217% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,741 |
| Efficiency ratio | 100.6211% | 713 |
| Assets per employee ($millions) | 2.1610% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,281 |
| Loan loss allowance to noncurrent loans | 157.5472% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 5,616 |
| Noncurrent loans to loans | 1.0900% | 4,874 |
| Net loans and leases to total assets | 55.2869% | 5,116 |
| Net loans and leases to deposits | 60.6511% | 5,659 |
| Net loans and leases to core deposits | 62.6508% | 5,860 |
| Total domestic deposits to total assets | 91.1557% | 550 |
| Equity capital to assets | 8.7575% | 5,564 |
| Core capital (leverage) ratio | 9.0806% | 4,478 |
| Tier 1 risk-based capital ratio | 18.2320% | 2,043 |
| Total risk-based capital ratio | 19.4914% | 1,998 |
| Memoranda: | ||
| Average total assets | $16,823,000 | 7,467 |
| Average earning assets | $15,835,500 | 7,441 |
| Average equity | $1,521,500 | 7,487 |
| Average total loans | $9,859,500 | 7,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 5,383 |
| Cost of funding earning assets | 0.7990% | 6,577 |
| Net interest margin | 4.0082% | 2,988 |
| Noninterest income to average assets | 0.6579% | 3,100 |
| Noninterest expense to average assets | 3.7465% | 1,597 |
| Loan and lease loss provision to assets | 0.2254% | 5,025 |
| Net operating income to assets | 0.4447% | 4,343 |
| Return on assets (ROA) | 0.4447% | 4,505 |
| Pretax return on assets | 0.4447% | 4,811 |
| Return on Equity (ROE) | 4.7850% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.4908% | 4,134 |
| Net charge-offs to loans | 0.3284% | 4,365 |
| Credit loss provision to net charge-offs | 112.1212% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,411 |
| Efficiency ratio | 84.8276% | 1,819 |
| Assets per employee ($millions) | 2.0448% | 7,398 |
| Cash dividends to net income (ytd only)* | 47.9452% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 3,213 |
| Loan loss allowance to noncurrent loans | 126.8657% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 4,709 |
| Noncurrent loans to loans | 1.3408% | 4,478 |
| Net loans and leases to total assets | 60.0562% | 4,672 |
| Net loans and leases to deposits | 66.3022% | 5,362 |
| Net loans and leases to core deposits | 68.6321% | 5,594 |
| Total domestic deposits to total assets | 90.5795% | 801 |
| Equity capital to assets | 9.3471% | 4,622 |
| Core capital (leverage) ratio | 9.0925% | 4,370 |
| Tier 1 risk-based capital ratio | 17.7286% | 2,083 |
| Total risk-based capital ratio | 18.9866% | 2,046 |
| Memoranda: | ||
| Average total assets | $16,415,200 | 7,545 |
| Average earning assets | $15,393,400 | 7,514 |
| Average equity | $1,525,600 | 7,585 |
| Average total loans | $10,048,200 | 7,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 5,595 |
| Cost of funding earning assets | 0.8386% | 6,620 |
| Net interest margin | 3.9770% | 3,201 |
| Noninterest income to average assets | 0.6492% | 3,131 |
| Noninterest expense to average assets | 3.6357% | 1,706 |
| Loan and lease loss provision to assets | 0.3003% | 4,170 |
| Net operating income to assets | 0.4463% | 4,554 |
| Return on assets (ROA) | 0.4463% | 4,745 |
| Pretax return on assets | 0.4463% | 5,090 |
| Return on Equity (ROE) | 4.8093% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.8093% | 3,122 |
| Net charge-offs to loans | 0.3710% | 3,825 |
| Credit loss provision to net charge-offs | 132.1429% | 3,058 |
| Earnings coverage of net charge-offs (x) | 3.2858% | 3,506 |
| Efficiency ratio | 82.9630% | 1,953 |
| Assets per employee ($millions) | 2.1023% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 3,077 |
| Loan loss allowance to noncurrent loans | 110.0629% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9454% | 5,206 |
| Noncurrent loans to loans | 1.5685% | 4,288 |
| Net loans and leases to total assets | 59.2342% | 5,057 |
| Net loans and leases to deposits | 65.2861% | 5,744 |
| Net loans and leases to core deposits | 68.7034% | 5,875 |
| Total domestic deposits to total assets | 90.7302% | 538 |
| Equity capital to assets | 9.1925% | 5,322 |
| Core capital (leverage) ratio | 9.0254% | 4,656 |
| Tier 1 risk-based capital ratio | 17.6646% | 2,125 |
| Total risk-based capital ratio | 18.9264% | 2,085 |
| Memoranda: | ||
| Average total assets | $16,429,500 | 7,635 |
| Average earning assets | $15,421,500 | 7,607 |
| Average equity | $1,524,750 | 7,686 |
| Average total loans | $10,061,750 | 7,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 5,169 |
| Cost of funding earning assets | 0.8755% | 6,671 |
| Net interest margin | 4.0770% | 2,672 |
| Noninterest income to average assets | 0.6871% | 2,773 |
| Noninterest expense to average assets | 3.7055% | 1,549 |
| Loan and lease loss provision to assets | 0.3926% | 3,361 |
| Net operating income to assets | 0.4172% | 4,674 |
| Return on assets (ROA) | 0.4172% | 4,833 |
| Pretax return on assets | 0.4172% | 5,170 |
| Return on Equity (ROE) | 4.4806% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.4806% | 3,213 |
| Net charge-offs to loans | 0.4782% | 3,103 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,615 |
| Efficiency ratio | 82.0652% | 2,157 |
| Assets per employee ($millions) | 1.9785% | 7,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 2,669 |
| Loan loss allowance to noncurrent loans | 77.3333% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4215% | 4,342 |
| Noncurrent loans to loans | 2.3509% | 3,313 |
| Net loans and leases to total assets | 59.3695% | 5,181 |
| Net loans and leases to deposits | 65.7823% | 5,831 |
| Net loans and leases to core deposits | 70.7659% | 5,804 |
| Total domestic deposits to total assets | 90.2515% | 791 |
| Equity capital to assets | 9.6475% | 4,473 |
| Core capital (leverage) ratio | 9.6908% | 3,550 |
| Tier 1 risk-based capital ratio | 18.4191% | 1,853 |
| Total risk-based capital ratio | 19.6819% | 1,823 |
| Memoranda: | ||
| Average total assets | $16,300,000 | 7,705 |
| Average earning assets | $15,305,330 | 7,676 |
| Average equity | $1,517,670 | 7,753 |
| Average total loans | $10,036,670 | 7,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 5,536 |
| Cost of funding earning assets | 0.8743% | 6,859 |
| Net interest margin | 4.0114% | 2,831 |
| Noninterest income to average assets | 0.7015% | 2,596 |
| Noninterest expense to average assets | 3.6526% | 1,609 |
| Loan and lease loss provision to assets | 0.1209% | 5,372 |
| Net operating income to assets | 0.7015% | 3,435 |
| Return on assets (ROA) | 0.7015% | 3,549 |
| Pretax return on assets | 0.7015% | 4,225 |
| Return on Equity (ROE) | 7.6669% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.6669% | 1,853 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6216% | 2,331 |
| Assets per employee ($millions) | 2.0138% | 7,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,097 |
| Loan loss allowance to noncurrent loans | 75.3304% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4091% | 4,397 |
| Noncurrent loans to loans | 2.2455% | 3,462 |
| Net loans and leases to total assets | 61.6884% | 4,818 |
| Net loans and leases to deposits | 68.1852% | 5,562 |
| Net loans and leases to core deposits | 72.1661% | 5,696 |
| Total domestic deposits to total assets | 90.4718% | 748 |
| Equity capital to assets | 9.4289% | 4,643 |
| Core capital (leverage) ratio | 9.1002% | 4,373 |
| Tier 1 risk-based capital ratio | 17.3161% | 2,143 |
| Total risk-based capital ratio | 18.5767% | 2,099 |
| Memoranda: | ||
| Average total assets | $16,536,000 | 7,803 |
| Average earning assets | $15,555,500 | 7,768 |
| Average equity | $1,513,000 | 7,839 |
| Average total loans | $10,269,500 | 7,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 4,431 |
| Cost of funding earning assets | 1.2451% | 6,489 |
| Net interest margin | 4.2063% | 2,042 |
| Noninterest income to average assets | 0.8111% | 2,353 |
| Noninterest expense to average assets | 3.9121% | 1,492 |
| Loan and lease loss provision to assets | 0.2683% | 5,263 |
| Net operating income to assets | 0.5304% | 3,605 |
| Return on assets (ROA) | 0.3744% | 4,330 |
| Pretax return on assets | 0.3744% | 4,569 |
| Return on Equity (ROE) | 3.8820% | 4,135 |
| Retained earnings to average equity (ytd only) | -3.2997% | 5,753 |
| Net charge-offs to loans | 0.4165% | 4,143 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.9767% | 3,589 |
| Efficiency ratio | 83.0464% | 2,468 |
| Assets per employee ($millions) | 1.8847% | 7,792 |
| Cash dividends to net income (ytd only)* | 185.0000% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,321 |
| Loan loss allowance to noncurrent loans | 75.7991% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 4,117 |
| Noncurrent loans to loans | 2.0997% | 3,520 |
| Net loans and leases to total assets | 60.5117% | 5,256 |
| Net loans and leases to deposits | 66.5025% | 5,999 |
| Net loans and leases to core deposits | 80.5209% | 6,039 |
| Total domestic deposits to total assets | 90.9916% | 535 |
| Equity capital to assets | 8.8846% | 5,305 |
| Core capital (leverage) ratio | 9.2121% | 4,099 |
| Tier 1 risk-based capital ratio | 15.7082% | 2,639 |
| Total risk-based capital ratio | 16.9662% | 2,577 |
| Memoranda: | ||
| Average total assets | $16,027,000 | 7,876 |
| Average earning assets | $14,858,800 | 7,847 |
| Average equity | $1,545,600 | 7,922 |
| Average total loans | $10,325,200 | 7,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 4,023 |
| Cost of funding earning assets | 1.3358% | 6,448 |
| Net interest margin | 4.2361% | 1,922 |
| Noninterest income to average assets | 0.8273% | 2,300 |
| Noninterest expense to average assets | 3.9256% | 1,391 |
| Loan and lease loss provision to assets | 0.0337% | 7,021 |
| Net operating income to assets | 0.7767% | 2,910 |
| Return on assets (ROA) | 0.7767% | 2,970 |
| Pretax return on assets | 0.7767% | 3,607 |
| Return on Equity (ROE) | 7.8868% | 2,693 |
| Retained earnings to average equity (ytd only) | 1.8004% | 4,307 |
| Net charge-offs to loans | 0.0648% | 6,046 |
| Credit loss provision to net charge-offs | 80.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | 19.1904% | 1,305 |
| Efficiency ratio | 82.8877% | 2,444 |
| Assets per employee ($millions) | 1.7210% | 7,932 |
| Cash dividends to net income (ytd only)* | 77.1727% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,156 |
| Loan loss allowance to noncurrent loans | 72.3684% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7109% | 3,812 |
| Noncurrent loans to loans | 2.1573% | 3,437 |
| Net loans and leases to total assets | 67.1702% | 4,140 |
| Net loans and leases to deposits | 74.9676% | 5,210 |
| Net loans and leases to core deposits | 86.2115% | 5,844 |
| Total domestic deposits to total assets | 89.5991% | 926 |
| Equity capital to assets | 10.2395% | 3,802 |
| Core capital (leverage) ratio | 9.9718% | 3,317 |
| Tier 1 risk-based capital ratio | 16.5691% | 2,399 |
| Total risk-based capital ratio | 17.8256% | 2,357 |
| Memoranda: | ||
| Average total assets | $15,793,250 | 7,960 |
| Average earning assets | $14,572,750 | 7,938 |
| Average equity | $1,555,250 | 8,003 |
| Average total loans | $10,299,000 | 7,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 4,241 |
| Cost of funding earning assets | 1.3130% | 6,761 |
| Net interest margin | 4.2535% | 1,807 |
| Noninterest income to average assets | 0.7801% | 2,519 |
| Noninterest expense to average assets | 3.9636% | 1,382 |
| Loan and lease loss provision to assets | 0.0503% | 6,726 |
| Net operating income to assets | 0.6795% | 3,348 |
| Return on assets (ROA) | 0.6795% | 3,464 |
| Pretax return on assets | 0.6795% | 4,070 |
| Return on Equity (ROE) | 6.9903% | 3,209 |
| Retained earnings to average equity (ytd only) | -2.2006% | 5,788 |
| Net charge-offs to loans | 0.1763% | 4,476 |
| Credit loss provision to net charge-offs | 44.4444% | 5,837 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,618 |
| Efficiency ratio | 84.4504% | 2,426 |
| Assets per employee ($millions) | 1.8468% | 7,944 |
| Cash dividends to net income (ytd only)* | 131.4815% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 2,727 |
| Loan loss allowance to noncurrent loans | 29.9257% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 3.4835% | 1,784 |
| Noncurrent loans to loans | 5.3575% | 1,100 |
| Net loans and leases to total assets | 59.4489% | 5,773 |
| Net loans and leases to deposits | 65.6850% | 6,421 |
| Net loans and leases to core deposits | 75.9318% | 6,681 |
| Total domestic deposits to total assets | 90.5060% | 629 |
| Equity capital to assets | 9.3316% | 4,824 |
| Core capital (leverage) ratio | 9.5403% | 3,827 |
| Tier 1 risk-based capital ratio | 16.6265% | 2,413 |
| Total risk-based capital ratio | 17.8853% | 2,359 |
| Memoranda: | ||
| Average total assets | $15,894,670 | 8,044 |
| Average earning assets | $14,623,330 | 8,019 |
| Average equity | $1,545,000 | 8,089 |
| Average total loans | $10,209,000 | 7,851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 3,434 |
| Cost of funding earning assets | 1.4144% | 6,683 |
| Net interest margin | 4.3564% | 1,453 |
| Noninterest income to average assets | 0.7469% | 2,619 |
| Noninterest expense to average assets | 3.8631% | 1,361 |
| Loan and lease loss provision to assets | 0.1030% | 5,651 |
| Net operating income to assets | 0.7469% | 3,363 |
| Return on assets (ROA) | 0.7469% | 3,540 |
| Pretax return on assets | 0.7469% | 4,267 |
| Return on Equity (ROE) | 7.5227% | 3,369 |
| Retained earnings to average equity (ytd only) | -10.8949% | 7,192 |
| Net charge-offs to loans | 0.2720% | 3,036 |
| Credit loss provision to net charge-offs | 57.1429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,828 |
| Efficiency ratio | 81.9672% | 2,536 |
| Assets per employee ($millions) | 1.9551% | 7,930 |
| Cash dividends to net income (ytd only)* | 244.8276% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,478 |
| Loan loss allowance to noncurrent loans | 71.4912% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 3,747 |
| Noncurrent loans to loans | 2.2521% | 2,928 |
| Net loans and leases to total assets | 63.6852% | 5,044 |
| Net loans and leases to deposits | 70.6554% | 5,914 |
| Net loans and leases to core deposits | 82.9945% | 6,146 |
| Total domestic deposits to total assets | 90.1349% | 734 |
| Equity capital to assets | 9.7500% | 4,307 |
| Core capital (leverage) ratio | 9.4378% | 4,058 |
| Tier 1 risk-based capital ratio | 16.8035% | 2,402 |
| Total risk-based capital ratio | 18.0632% | 2,331 |
| Memoranda: | ||
| Average total assets | $15,531,500 | 8,100 |
| Average earning assets | $14,140,000 | 8,084 |
| Average equity | $1,542,000 | 8,144 |
| Average total loans | $10,292,500 | 7,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4939% | 2,986 |
| Cost of funding earning assets | 1.9885% | 6,445 |
| Net interest margin | 4.5054% | 1,403 |
| Noninterest income to average assets | 0.9441% | 1,795 |
| Noninterest expense to average assets | 3.8271% | 1,705 |
| Loan and lease loss provision to assets | 0.3168% | 3,849 |
| Net operating income to assets | 0.9061% | 2,972 |
| Return on assets (ROA) | 0.9061% | 2,818 |
| Pretax return on assets | 0.9061% | 3,700 |
| Return on Equity (ROE) | 9.6661% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.6661% | 499 |
| Net charge-offs to loans | 0.3303% | 3,194 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 5.5143% | 3,621 |
| Efficiency ratio | 75.7842% | 3,269 |
| Assets per employee ($millions) | 1.9278% | 7,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 2,302 |
| Loan loss allowance to noncurrent loans | 65.8730% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 2,978 |
| Noncurrent loans to loans | 2.4089% | 2,274 |
| Net loans and leases to total assets | 66.7553% | 4,694 |
| Net loans and leases to deposits | 74.3697% | 5,801 |
| Net loans and leases to core deposits | 88.1799% | 5,957 |
| Total domestic deposits to total assets | 89.7614% | 738 |
| Equity capital to assets | 10.1089% | 3,911 |
| Core capital (leverage) ratio | 9.3632% | 4,215 |
| Tier 1 risk-based capital ratio | 16.2451% | 2,566 |
| Total risk-based capital ratio | 17.5045% | 2,503 |
| Memoranda: | ||
| Average total assets | $15,782,200 | 8,143 |
| Average earning assets | $14,382,800 | 8,124 |
| Average equity | $1,479,400 | 8,221 |
| Average total loans | $10,596,400 | 7,913 |