Home > The Central National Bank and Trust Company > Performance and Condition Ratios
The Central National Bank and Trust Company, 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 | 1.9166% | 5,914 |
| Cost of funding earning assets | 0.0951% | 5,792 |
| Net interest margin | 1.8215% | 5,893 |
| Noninterest income to average assets | 0.2209% | 5,145 |
| Noninterest expense to average assets | 1.8643% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1188% | 5,602 |
| Return on assets (ROA) | 0.1188% | 5,655 |
| Pretax return on assets | 0.1306% | 5,647 |
| Return on Equity (ROE) | 0.5699% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.5699% | 5,212 |
| Net charge-offs to loans | 0.0821% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.8596% | 2,834 |
| Efficiency ratio | 93.4524% | 407 |
| Assets per employee ($millions) | 4.9333% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 20.1729% | 5,866 |
| Net loans and leases to deposits | 26.0661% | 5,846 |
| Net loans and leases to core deposits | 26.6208% | 5,855 |
| Total domestic deposits to total assets | 77.3910% | 5,015 |
| Equity capital to assets | 21.6563% | 174 |
| Core capital (leverage) ratio | 21.2685% | 158 |
| Tier 1 risk-based capital ratio | 75.7617% | 58 |
| Total risk-based capital ratio | 77.0204% | 58 |
| Memoranda: | ||
| Average total assets | $56,139,750 | 5,278 |
| Average earning assets | $54,679,000 | 5,196 |
| Average equity | $11,699,000 | 4,338 |
| Average total loans | $11,369,500 | 5,801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0104% | 5,991 |
| Cost of funding earning assets | 0.0940% | 5,872 |
| Net interest margin | 1.9164% | 5,965 |
| Noninterest income to average assets | 0.2114% | 5,228 |
| Noninterest expense to average assets | 1.7687% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2396% | 5,444 |
| Return on assets (ROA) | 0.2396% | 5,514 |
| Pretax return on assets | 0.3101% | 5,489 |
| Return on Equity (ROE) | 1.1643% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.1643% | 4,914 |
| Net charge-offs to loans | 0.1578% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.7778% | 2,383 |
| Efficiency ratio | 85.0847% | 962 |
| Assets per employee ($millions) | 4.7011% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8340% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 19.3271% | 5,946 |
| Net loans and leases to deposits | 24.7189% | 5,937 |
| Net loans and leases to core deposits | 25.3658% | 5,943 |
| Total domestic deposits to total assets | 78.1877% | 4,968 |
| Equity capital to assets | 20.8374% | 191 |
| Core capital (leverage) ratio | 20.8400% | 167 |
| Tier 1 risk-based capital ratio | 65.1535% | 80 |
| Total risk-based capital ratio | 66.4117% | 79 |
| Memoranda: | ||
| Average total assets | $56,764,330 | 5,320 |
| Average earning assets | $55,312,330 | 5,240 |
| Average equity | $11,681,330 | 4,368 |
| Average total loans | $11,403,670 | 5,876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0709% | 6,052 |
| Cost of funding earning assets | 0.0863% | 5,966 |
| Net interest margin | 1.9846% | 6,018 |
| Noninterest income to average assets | 0.2107% | 5,220 |
| Noninterest expense to average assets | 1.7773% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2740% | 5,371 |
| Return on assets (ROA) | 0.2740% | 5,446 |
| Pretax return on assets | 0.3723% | 5,358 |
| Return on Equity (ROE) | 1.3397% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.3397% | 4,723 |
| Net charge-offs to loans | 0.3132% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 2,285 |
| Efficiency ratio | 82.6797% | 1,293 |
| Assets per employee ($millions) | 5.0264% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8309% | 265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 19.7414% | 5,997 |
| Net loans and leases to deposits | 25.3879% | 5,982 |
| Net loans and leases to core deposits | 26.0700% | 5,985 |
| Total domestic deposits to total assets | 77.7591% | 5,186 |
| Equity capital to assets | 21.1901% | 174 |
| Core capital (leverage) ratio | 20.7919% | 169 |
| Tier 1 risk-based capital ratio | 61.7841% | 84 |
| Total risk-based capital ratio | 63.0381% | 83 |
| Memoranda: | ||
| Average total assets | $56,940,000 | 5,367 |
| Average earning assets | $55,627,000 | 5,280 |
| Average equity | $11,644,500 | 4,397 |
| Average total loans | $11,495,000 | 5,931 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2437% | 6,068 |
| Cost of funding earning assets | 0.0664% | 6,075 |
| Net interest margin | 2.1773% | 5,993 |
| Noninterest income to average assets | 0.2183% | 5,287 |
| Noninterest expense to average assets | 2.0330% | 5,392 |
| Loan and lease loss provision to assets | -0.0895% | 5,835 |
| Net operating income to assets | 0.3040% | 5,349 |
| Return on assets (ROA) | 0.3221% | 5,376 |
| Pretax return on assets | 0.4116% | 5,295 |
| Return on Equity (ROE) | 1.5414% | 5,676 |
| Retained earnings to average equity (ytd only) | -0.8649% | 5,639 |
| Net charge-offs to loans | -0.0642% | 5,636 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1834% | 892 |
| Assets per employee ($millions) | 5.3264% | 1,976 |
| Cash dividends to net income (ytd only)* | 156.1111% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7813% | 286 |
| Loan loss allowance to noncurrent loans | 3,270.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,631 |
| Noncurrent loans to loans | 0.0851% | 5,158 |
| Net loans and leases to total assets | 19.5084% | 6,056 |
| Net loans and leases to deposits | 24.6007% | 6,044 |
| Net loans and leases to core deposits | 25.2112% | 6,047 |
| Total domestic deposits to total assets | 79.3002% | 4,905 |
| Equity capital to assets | 19.7525% | 215 |
| Core capital (leverage) ratio | 20.4906% | 182 |
| Tier 1 risk-based capital ratio | 56.9931% | 94 |
| Total risk-based capital ratio | 58.2464% | 95 |
| Memoranda: | ||
| Average total assets | $55,878,400 | 5,408 |
| Average earning assets | $54,241,600 | 5,337 |
| Average equity | $11,677,400 | 4,357 |
| Average total loans | $12,459,200 | 5,964 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2754% | 6,151 |
| Cost of funding earning assets | 0.0673% | 6,164 |
| Net interest margin | 2.2081% | 6,070 |
| Noninterest income to average assets | 0.2367% | 5,238 |
| Noninterest expense to average assets | 2.0168% | 5,451 |
| Loan and lease loss provision to assets | -0.0604% | 5,936 |
| Net operating income to assets | 0.3336% | 5,361 |
| Return on assets (ROA) | 0.3526% | 5,394 |
| Pretax return on assets | 0.4444% | 5,361 |
| Return on Equity (ROE) | 1.6633% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.6633% | 5,034 |
| Net charge-offs to loans | -0.0844% | 5,729 |
| Credit loss provision to net charge-offs | 312.5000% | 935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8577% | 1,093 |
| Assets per employee ($millions) | 4.9668% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7547% | 318 |
| Loan loss allowance to noncurrent loans | 3,520.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,723 |
| Noncurrent loans to loans | 0.0783% | 5,309 |
| Net loans and leases to total assets | 22.7437% | 6,105 |
| Net loans and leases to deposits | 29.6989% | 6,079 |
| Net loans and leases to core deposits | 30.2763% | 6,087 |
| Total domestic deposits to total assets | 76.5809% | 5,409 |
| Equity capital to assets | 21.6985% | 167 |
| Core capital (leverage) ratio | 22.1139% | 131 |
| Tier 1 risk-based capital ratio | 58.2345% | 95 |
| Total risk-based capital ratio | 59.4886% | 95 |
| Memoranda: | ||
| Average total assets | $55,200,500 | 5,502 |
| Average earning assets | $53,498,750 | 5,418 |
| Average equity | $11,703,500 | 4,406 |
| Average total loans | $12,634,750 | 6,039 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2698% | 6,224 |
| Cost of funding earning assets | 0.0671% | 6,235 |
| Net interest margin | 2.2027% | 6,144 |
| Noninterest income to average assets | 0.2455% | 5,198 |
| Noninterest expense to average assets | 1.9751% | 5,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3315% | 5,354 |
| Return on assets (ROA) | 0.3611% | 5,372 |
| Pretax return on assets | 0.4405% | 5,375 |
| Return on Equity (ROE) | 1.7163% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.7163% | 4,843 |
| Net charge-offs to loans | 0.3337% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,933 |
| Efficiency ratio | 83.0046% | 1,368 |
| Assets per employee ($millions) | 4.5310% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7260% | 359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 22.8390% | 6,180 |
| Net loans and leases to deposits | 29.7096% | 6,148 |
| Net loans and leases to core deposits | 30.3248% | 6,153 |
| Total domestic deposits to total assets | 76.8741% | 5,477 |
| Equity capital to assets | 21.4412% | 168 |
| Core capital (leverage) ratio | 21.6638% | 144 |
| Tier 1 risk-based capital ratio | 57.6584% | 105 |
| Total risk-based capital ratio | 58.9145% | 105 |
| Memoranda: | ||
| Average total assets | $55,389,000 | 5,554 |
| Average earning assets | $53,661,000 | 5,471 |
| Average equity | $11,653,000 | 4,445 |
| Average total loans | $12,587,000 | 6,108 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3571% | 6,270 |
| Cost of funding earning assets | 0.0739% | 6,287 |
| Net interest margin | 2.2832% | 6,167 |
| Noninterest income to average assets | 0.2433% | 5,231 |
| Noninterest expense to average assets | 2.0037% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3663% | 5,199 |
| Return on assets (ROA) | 0.3721% | 5,298 |
| Pretax return on assets | 0.4580% | 5,291 |
| Return on Equity (ROE) | 1.7853% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.7853% | 4,752 |
| Net charge-offs to loans | -0.0320% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6327% | 1,666 |
| Assets per employee ($millions) | 4.2157% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8920% | 330 |
| Loan loss allowance to noncurrent loans | 177.8846% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 4,497 |
| Noncurrent loans to loans | 1.6258% | 1,717 |
| Net loans and leases to total assets | 22.6699% | 6,238 |
| Net loans and leases to deposits | 29.3081% | 6,206 |
| Net loans and leases to core deposits | 29.9056% | 6,212 |
| Total domestic deposits to total assets | 77.3502% | 5,556 |
| Equity capital to assets | 21.4948% | 169 |
| Core capital (leverage) ratio | 21.2430% | 161 |
| Tier 1 risk-based capital ratio | 51.8366% | 138 |
| Total risk-based capital ratio | 53.0887% | 139 |
| Memoranda: | ||
| Average total assets | $55,897,500 | 5,591 |
| Average earning assets | $54,134,000 | 5,511 |
| Average equity | $11,650,500 | 4,477 |
| Average total loans | $12,497,500 | 6,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2369% | 6,395 |
| Cost of funding earning assets | 0.0957% | 6,340 |
| Net interest margin | 2.1412% | 6,331 |
| Noninterest income to average assets | 0.1922% | 5,705 |
| Noninterest expense to average assets | 1.9158% | 5,907 |
| Loan and lease loss provision to assets | -0.1615% | 6,241 |
| Net operating income to assets | 0.3657% | 5,335 |
| Return on assets (ROA) | 0.3893% | 5,321 |
| Pretax return on assets | 0.5298% | 5,170 |
| Return on Equity (ROE) | 2.1392% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.2663% | 5,659 |
| Net charge-offs to loans | 0.8560% | 393 |
| Credit loss provision to net charge-offs | -91.7431% | 5,505 |
| Earnings coverage of net charge-offs (x) | 1.9083% | 4,310 |
| Efficiency ratio | 85.0789% | 1,271 |
| Assets per employee ($millions) | 4.3839% | 3,215 |
| Cash dividends to net income (ytd only)* | 87.5519% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0243% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 20.7612% | 6,358 |
| Net loans and leases to deposits | 26.3707% | 6,338 |
| Net loans and leases to core deposits | 27.1233% | 6,342 |
| Total domestic deposits to total assets | 78.7282% | 5,301 |
| Equity capital to assets | 20.2155% | 220 |
| Core capital (leverage) ratio | 20.4114% | 196 |
| Tier 1 risk-based capital ratio | 53.2815% | 118 |
| Total risk-based capital ratio | 54.5381% | 115 |
| Memoranda: | ||
| Average total assets | $61,906,000 | 5,503 |
| Average earning assets | $59,547,200 | 5,401 |
| Average equity | $11,266,000 | 4,507 |
| Average total loans | $12,733,400 | 6,238 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2493% | 6,473 |
| Cost of funding earning assets | 0.0968% | 6,422 |
| Net interest margin | 2.1526% | 6,410 |
| Noninterest income to average assets | 0.2048% | 5,705 |
| Noninterest expense to average assets | 1.8584% | 6,014 |
| Loan and lease loss provision to assets | -0.1584% | 6,354 |
| Net operating income to assets | 0.3886% | 5,289 |
| Return on assets (ROA) | 0.3886% | 5,373 |
| Pretax return on assets | 0.5723% | 5,118 |
| Return on Equity (ROE) | 2.1900% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.1900% | 4,963 |
| Net charge-offs to loans | 0.9844% | 317 |
| Credit loss provision to net charge-offs | -78.9474% | 5,414 |
| Earnings coverage of net charge-offs (x) | 2.0632% | 3,998 |
| Efficiency ratio | 81.7844% | 1,647 |
| Assets per employee ($millions) | 4.6815% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1608% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 20.5389% | 6,441 |
| Net loans and leases to deposits | 25.8767% | 6,430 |
| Net loans and leases to core deposits | 26.6031% | 6,429 |
| Total domestic deposits to total assets | 79.3723% | 5,247 |
| Equity capital to assets | 18.8909% | 277 |
| Core capital (leverage) ratio | 19.1719% | 241 |
| Tier 1 risk-based capital ratio | 49.2149% | 136 |
| Total risk-based capital ratio | 50.4678% | 136 |
| Memoranda: | ||
| Average total assets | $63,134,750 | 5,532 |
| Average earning assets | $60,638,500 | 5,438 |
| Average equity | $11,202,250 | 4,550 |
| Average total loans | $12,866,500 | 6,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2389% | 6,543 |
| Cost of funding earning assets | 0.1010% | 6,479 |
| Net interest margin | 2.1378% | 6,479 |
| Noninterest income to average assets | 0.2066% | 5,720 |
| Noninterest expense to average assets | 1.8406% | 6,089 |
| Loan and lease loss provision to assets | -0.1565% | 6,432 |
| Net operating income to assets | 0.3913% | 5,258 |
| Return on assets (ROA) | 0.3913% | 5,324 |
| Pretax return on assets | 0.5760% | 5,036 |
| Return on Equity (ROE) | 2.2514% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.2514% | 4,761 |
| Net charge-offs to loans | 1.5094% | 185 |
| Credit loss provision to net charge-offs | -51.5464% | 5,170 |
| Earnings coverage of net charge-offs (x) | 1.3814% | 3,815 |
| Efficiency ratio | 81.4404% | 1,813 |
| Assets per employee ($millions) | 4.8252% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3546% | 266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.7950% | 6,512 |
| Net loans and leases to deposits | 24.7602% | 6,506 |
| Net loans and leases to core deposits | 25.4061% | 6,501 |
| Total domestic deposits to total assets | 79.9468% | 5,248 |
| Equity capital to assets | 18.2725% | 314 |
| Core capital (leverage) ratio | 18.6843% | 266 |
| Tier 1 risk-based capital ratio | 47.1319% | 151 |
| Total risk-based capital ratio | 47.5801% | 157 |
| Memoranda: | ||
| Average total assets | $63,893,000 | 5,563 |
| Average earning assets | $61,370,670 | 5,470 |
| Average equity | $11,104,000 | 4,586 |
| Average total loans | $12,852,670 | 6,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2383% | 6,614 |
| Cost of funding earning assets | 0.1100% | 6,533 |
| Net interest margin | 2.1283% | 6,554 |
| Noninterest income to average assets | 0.2047% | 5,716 |
| Noninterest expense to average assets | 1.8115% | 6,209 |
| Loan and lease loss provision to assets | -0.3102% | 6,620 |
| Net operating income to assets | 0.4777% | 4,797 |
| Return on assets (ROA) | 0.4777% | 4,874 |
| Pretax return on assets | 0.7445% | 4,332 |
| Return on Equity (ROE) | 2.8192% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.8192% | 4,400 |
| Net charge-offs to loans | 0.7468% | 470 |
| Credit loss provision to net charge-offs | -208.3333% | 4,971 |
| Earnings coverage of net charge-offs (x) | 2.9167% | 2,770 |
| Efficiency ratio | 80.6630% | 2,099 |
| Assets per employee ($millions) | 4.8742% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0035% | 186 |
| 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 | 19.0723% | 6,590 |
| Net loans and leases to deposits | 23.9763% | 6,576 |
| Net loans and leases to core deposits | 24.5985% | 6,573 |
| Total domestic deposits to total assets | 79.5467% | 5,586 |
| Equity capital to assets | 17.4658% | 352 |
| Core capital (leverage) ratio | 18.1560% | 300 |
| Tier 1 risk-based capital ratio | 46.5811% | 159 |
| Total risk-based capital ratio | 47.2976% | 163 |
| Memoranda: | ||
| Average total assets | $64,475,500 | 5,613 |
| Average earning assets | $61,833,000 | 5,510 |
| Average equity | $10,925,000 | 4,638 |
| Average total loans | $12,855,000 | 6,425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0595% | 6,707 |
| Cost of funding earning assets | 0.1690% | 6,448 |
| Net interest margin | 1.8905% | 6,669 |
| Noninterest income to average assets | 0.1819% | 5,998 |
| Noninterest expense to average assets | 1.7876% | 6,341 |
| Loan and lease loss provision to assets | -0.4332% | 6,727 |
| Net operating income to assets | 0.4235% | 5,064 |
| Return on assets (ROA) | 0.4592% | 5,041 |
| Pretax return on assets | 0.7075% | 4,513 |
| Return on Equity (ROE) | 2.8416% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.5906% | 5,087 |
| Net charge-offs to loans | -0.2222% | 6,632 |
| Credit loss provision to net charge-offs | 967.7419% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0647% | 1,102 |
| Assets per employee ($millions) | 5.0452% | 2,135 |
| Cash dividends to net income (ytd only)* | 44.0252% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4052% | 146 |
| Loan loss allowance to noncurrent loans | 862.6866% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,030 |
| Noncurrent loans to loans | 0.5106% | 4,720 |
| Net loans and leases to total assets | 19.1242% | 6,679 |
| Net loans and leases to deposits | 24.4184% | 6,660 |
| Net loans and leases to core deposits | 25.0399% | 6,661 |
| Total domestic deposits to total assets | 78.3189% | 5,775 |
| Equity capital to assets | 16.4408% | 454 |
| Core capital (leverage) ratio | 17.6450% | 319 |
| Tier 1 risk-based capital ratio | 44.5928% | 172 |
| Total risk-based capital ratio | 45.8559% | 172 |
| Memoranda: | ||
| Average total assets | $69,254,200 | 5,502 |
| Average earning assets | $66,860,800 | 5,378 |
| Average equity | $11,190,800 | 4,599 |
| Average total loans | $13,952,800 | 6,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9986% | 6,798 |
| Cost of funding earning assets | 0.1651% | 6,577 |
| Net interest margin | 1.8335% | 6,760 |
| Noninterest income to average assets | 0.1900% | 6,054 |
| Noninterest expense to average assets | 1.6322% | 6,531 |
| Loan and lease loss provision to assets | -0.1615% | 6,686 |
| Net operating income to assets | 0.3267% | 5,504 |
| Return on assets (ROA) | 0.3743% | 5,492 |
| Pretax return on assets | 0.5643% | 5,154 |
| Return on Equity (ROE) | 2.3259% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.3259% | 4,938 |
| Net charge-offs to loans | -0.2825% | 6,716 |
| Credit loss provision to net charge-offs | 283.3333% | 892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1559% | 1,690 |
| Assets per employee ($millions) | 4.6695% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8175% | 64 |
| Loan loss allowance to noncurrent loans | 1,182.0896% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,130 |
| Noncurrent loans to loans | 0.4921% | 4,968 |
| Net loans and leases to total assets | 19.6136% | 6,755 |
| Net loans and leases to deposits | 25.4835% | 6,737 |
| Net loans and leases to core deposits | 26.1460% | 6,740 |
| Total domestic deposits to total assets | 76.9660% | 6,051 |
| Equity capital to assets | 16.3049% | 496 |
| Core capital (leverage) ratio | 17.3647% | 351 |
| Tier 1 risk-based capital ratio | 43.6370% | 188 |
| Total risk-based capital ratio | 44.9081% | 188 |
| Memoranda: | ||
| Average total assets | $70,171,000 | 5,524 |
| Average earning assets | $67,847,250 | 5,409 |
| Average equity | $11,292,750 | 4,628 |
| Average total loans | $14,160,750 | 6,515 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9417% | 6,848 |
| Cost of funding earning assets | 0.1666% | 6,637 |
| Net interest margin | 1.7751% | 6,822 |
| Noninterest income to average assets | 0.1756% | 6,159 |
| Noninterest expense to average assets | 1.5856% | 6,600 |
| Loan and lease loss provision to assets | -0.0975% | 6,710 |
| Net operating income to assets | 0.2728% | 5,701 |
| Return on assets (ROA) | 0.3372% | 5,624 |
| Pretax return on assets | 0.5072% | 5,345 |
| Return on Equity (ROE) | 2.1036% | 5,919 |
| Retained earnings to average equity (ytd only) | 2.1036% | 4,931 |
| Net charge-offs to loans | -0.0558% | 6,304 |
| Credit loss provision to net charge-offs | 875.0000% | 345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5536% | 1,688 |
| Assets per employee ($millions) | 5.8674% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7897% | 71 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 18.8584% | 6,812 |
| Net loans and leases to deposits | 24.2237% | 6,800 |
| Net loans and leases to core deposits | 25.5155% | 6,786 |
| Total domestic deposits to total assets | 77.8508% | 6,005 |
| Equity capital to assets | 15.9440% | 530 |
| Core capital (leverage) ratio | 16.8936% | 378 |
| Tier 1 risk-based capital ratio | 44.1972% | 179 |
| Total risk-based capital ratio | 45.4666% | 176 |
| Memoranda: | ||
| Average total assets | $71,770,330 | 5,514 |
| Average earning assets | $69,630,670 | 5,403 |
| Average equity | $11,504,000 | 4,625 |
| Average total loans | $14,343,000 | 6,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9660% | 6,930 |
| Cost of funding earning assets | 0.1648% | 6,750 |
| Net interest margin | 1.8012% | 6,890 |
| Noninterest income to average assets | 0.1601% | 6,306 |
| Noninterest expense to average assets | 1.5348% | 6,711 |
| Loan and lease loss provision to assets | -0.0552% | 6,795 |
| Net operating income to assets | 0.2981% | 5,572 |
| Return on assets (ROA) | 0.2981% | 5,698 |
| Pretax return on assets | 0.4306% | 5,468 |
| Return on Equity (ROE) | 1.8552% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.8552% | 5,068 |
| Net charge-offs to loans | -0.0553% | 6,174 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3468% | 2,276 |
| Assets per employee ($millions) | 5.4808% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8745% | 82 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 18.8671% | 6,874 |
| Net loans and leases to deposits | 24.3458% | 6,853 |
| Net loans and leases to core deposits | 25.6345% | 6,844 |
| Total domestic deposits to total assets | 77.4965% | 6,192 |
| Equity capital to assets | 16.3254% | 515 |
| Core capital (leverage) ratio | 16.0508% | 446 |
| Tier 1 risk-based capital ratio | 47.0151% | 151 |
| Total risk-based capital ratio | 48.2923% | 150 |
| Memoranda: | ||
| Average total assets | $72,451,000 | 5,551 |
| Average earning assets | $70,398,500 | 5,427 |
| Average equity | $11,643,000 | 4,641 |
| Average total loans | $14,467,500 | 6,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3463% | 6,963 |
| Cost of funding earning assets | 0.2208% | 6,773 |
| Net interest margin | 2.1255% | 6,894 |
| Noninterest income to average assets | 0.2149% | 5,887 |
| Noninterest expense to average assets | 1.8298% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3178% | 5,405 |
| Return on assets (ROA) | 0.3178% | 5,615 |
| Pretax return on assets | 0.4390% | 5,457 |
| Return on Equity (ROE) | 1.7562% | 5,970 |
| Retained earnings to average equity (ytd only) | -2.1804% | 6,186 |
| Net charge-offs to loans | 0.0503% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 881 |
| Efficiency ratio | 80.6495% | 2,061 |
| Assets per employee ($millions) | 5.6655% | 1,552 |
| Cash dividends to net income (ytd only)* | 224.1546% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7804% | 76 |
| Loan loss allowance to noncurrent loans | 345.7143% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 5,667 |
| Noncurrent loans to loans | 1.6720% | 3,114 |
| Net loans and leases to total assets | 18.7452% | 6,945 |
| Net loans and leases to deposits | 23.5416% | 6,936 |
| Net loans and leases to core deposits | 24.0644% | 6,932 |
| Total domestic deposits to total assets | 79.6255% | 5,755 |
| Equity capital to assets | 15.8233% | 586 |
| Core capital (leverage) ratio | 17.6131% | 307 |
| Tier 1 risk-based capital ratio | 46.5316% | 158 |
| Total risk-based capital ratio | 47.8097% | 157 |
| Memoranda: | ||
| Average total assets | $65,142,400 | 5,780 |
| Average earning assets | $62,951,000 | 5,641 |
| Average equity | $11,787,000 | 4,614 |
| Average total loans | $15,903,800 | 6,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4875% | 7,051 |
| Cost of funding earning assets | 0.2347% | 6,864 |
| Net interest margin | 2.2528% | 6,967 |
| Noninterest income to average assets | 0.2158% | 5,994 |
| Noninterest expense to average assets | 1.9169% | 6,494 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3280% | 5,514 |
| Return on assets (ROA) | 0.3280% | 5,721 |
| Pretax return on assets | 0.4718% | 5,537 |
| Return on Equity (ROE) | 1.7484% | 6,091 |
| Retained earnings to average equity (ytd only) | -0.6204% | 6,204 |
| Net charge-offs to loans | 0.3618% | 2,655 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.0678% | 3,125 |
| Efficiency ratio | 80.2480% | 2,061 |
| Assets per employee ($millions) | 5.3670% | 1,764 |
| Cash dividends to net income (ytd only)* | 135.4834% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0627% | 141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 23.6134% | 6,976 |
| Net loans and leases to deposits | 30.8623% | 6,933 |
| Net loans and leases to core deposits | 31.6814% | 6,941 |
| Total domestic deposits to total assets | 76.5123% | 6,313 |
| Equity capital to assets | 18.2908% | 341 |
| Core capital (leverage) ratio | 18.4327% | 279 |
| Tier 1 risk-based capital ratio | 43.3758% | 192 |
| Total risk-based capital ratio | 44.6461% | 189 |
| Memoranda: | ||
| Average total assets | $63,015,250 | 5,913 |
| Average earning assets | $60,782,750 | 5,777 |
| Average equity | $11,820,250 | 4,648 |
| Average total loans | $16,216,500 | 6,672 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5031% | 7,123 |
| Cost of funding earning assets | 0.2387% | 6,948 |
| Net interest margin | 2.2644% | 7,019 |
| Noninterest income to average assets | 0.2046% | 6,098 |
| Noninterest expense to average assets | 1.9152% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3325% | 5,490 |
| Return on assets (ROA) | 0.3325% | 5,712 |
| Pretax return on assets | 0.4732% | 5,509 |
| Return on Equity (ROE) | 1.7577% | 6,113 |
| Retained earnings to average equity (ytd only) | -0.6084% | 6,147 |
| Net charge-offs to loans | 0.4668% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 3,240 |
| Efficiency ratio | 80.1874% | 2,141 |
| Assets per employee ($millions) | 5.3855% | 1,724 |
| Cash dividends to net income (ytd only)* | 134.6154% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0138% | 165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 23.9501% | 7,036 |
| Net loans and leases to deposits | 31.4824% | 6,977 |
| Net loans and leases to core deposits | 32.3199% | 6,984 |
| Total domestic deposits to total assets | 76.0746% | 6,447 |
| Equity capital to assets | 18.3022% | 319 |
| Core capital (leverage) ratio | 18.7105% | 260 |
| Tier 1 risk-based capital ratio | 43.8348% | 183 |
| Total risk-based capital ratio | 45.1053% | 181 |
| Memoranda: | ||
| Average total assets | $62,552,330 | 5,960 |
| Average earning assets | $60,325,330 | 5,828 |
| Average equity | $11,833,670 | 4,641 |
| Average total loans | $16,282,330 | 6,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4848% | 7,178 |
| Cost of funding earning assets | 0.2418% | 7,026 |
| Net interest margin | 2.2430% | 7,080 |
| Noninterest income to average assets | 0.1821% | 6,291 |
| Noninterest expense to average assets | 1.8987% | 6,651 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3381% | 5,523 |
| Return on assets (ROA) | 0.3381% | 5,697 |
| Pretax return on assets | 0.4552% | 5,567 |
| Return on Equity (ROE) | 1.7573% | 6,144 |
| Retained earnings to average equity (ytd only) | -0.6083% | 6,091 |
| Net charge-offs to loans | -0.0983% | 6,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6630% | 2,126 |
| Assets per employee ($millions) | 4.7282% | 2,617 |
| Cash dividends to net income (ytd only)* | 134.6154% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3708% | 127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 24.6230% | 7,069 |
| Net loans and leases to deposits | 32.7413% | 6,990 |
| Net loans and leases to core deposits | 33.6692% | 7,000 |
| Total domestic deposits to total assets | 75.2046% | 6,623 |
| Equity capital to assets | 19.0753% | 273 |
| Core capital (leverage) ratio | 19.1881% | 236 |
| Tier 1 risk-based capital ratio | 46.6688% | 146 |
| Total risk-based capital ratio | 47.9444% | 143 |
| Memoranda: | ||
| Average total assets | $61,515,500 | 6,022 |
| Average earning assets | $59,562,000 | 5,892 |
| Average equity | $11,836,500 | 4,650 |
| Average total loans | $16,276,000 | 6,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 7,175 |
| Cost of funding earning assets | 0.3010% | 7,107 |
| Net interest margin | 2.7058% | 6,916 |
| Noninterest income to average assets | 0.2416% | 5,812 |
| Noninterest expense to average assets | 2.1180% | 6,457 |
| Loan and lease loss provision to assets | 0.1285% | 5,007 |
| Net operating income to assets | 0.5053% | 4,403 |
| Return on assets (ROA) | 0.6032% | 4,174 |
| Pretax return on assets | 0.7146% | 4,273 |
| Return on Equity (ROE) | 2.9666% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.0451% | 5,369 |
| Net charge-offs to loans | -0.3316% | 7,252 |
| Credit loss provision to net charge-offs | -133.9286% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4578% | 3,151 |
| Assets per employee ($millions) | 4.7357% | 2,540 |
| Cash dividends to net income (ytd only)* | 64.7727% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1637% | 161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.5068% | 7,128 |
| Net loans and leases to deposits | 34.0622% | 7,045 |
| Net loans and leases to core deposits | 34.8035% | 7,063 |
| Total domestic deposits to total assets | 74.8830% | 6,621 |
| Equity capital to assets | 19.4074% | 262 |
| Core capital (leverage) ratio | 19.2693% | 232 |
| Tier 1 risk-based capital ratio | 46.2720% | 160 |
| Total risk-based capital ratio | 47.5466% | 157 |
| Memoranda: | ||
| Average total assets | $58,357,800 | 6,093 |
| Average earning assets | $56,138,000 | 5,975 |
| Average equity | $11,865,400 | 4,578 |
| Average total loans | $16,889,800 | 6,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 7,235 |
| Cost of funding earning assets | 0.3114% | 7,195 |
| Net interest margin | 2.7812% | 6,907 |
| Noninterest income to average assets | 0.2548% | 5,799 |
| Noninterest expense to average assets | 2.2100% | 6,255 |
| Loan and lease loss provision to assets | 0.1737% | 4,296 |
| Net operating income to assets | 0.4299% | 4,855 |
| Return on assets (ROA) | 0.5560% | 4,467 |
| Pretax return on assets | 0.6973% | 4,489 |
| Return on Equity (ROE) | 2.7015% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.7204% | 5,728 |
| Net charge-offs to loans | -0.4085% | 7,330 |
| Credit loss provision to net charge-offs | -144.2308% | 6,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5943% | 2,900 |
| Assets per employee ($millions) | 4.7161% | 2,602 |
| Cash dividends to net income (ytd only)* | 73.3335% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1833% | 160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 25.3911% | 7,201 |
| Net loans and leases to deposits | 34.0419% | 7,132 |
| Net loans and leases to core deposits | 34.7889% | 7,148 |
| Total domestic deposits to total assets | 74.5877% | 6,690 |
| Equity capital to assets | 19.6545% | 266 |
| Core capital (leverage) ratio | 19.5458% | 238 |
| Tier 1 risk-based capital ratio | 47.5009% | 162 |
| Total risk-based capital ratio | 48.7797% | 161 |
| Memoranda: | ||
| Average total assets | $57,556,250 | 6,165 |
| Average earning assets | $55,227,500 | 6,060 |
| Average equity | $11,844,750 | 4,604 |
| Average total loans | $16,972,750 | 6,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 7,293 |
| Cost of funding earning assets | 0.3185% | 7,281 |
| Net interest margin | 2.8518% | 6,858 |
| Noninterest income to average assets | 0.2380% | 5,949 |
| Noninterest expense to average assets | 2.2307% | 6,304 |
| Loan and lease loss provision to assets | 0.2131% | 3,784 |
| Net operating income to assets | 0.4835% | 4,575 |
| Return on assets (ROA) | 0.7033% | 3,636 |
| Pretax return on assets | 0.7708% | 4,137 |
| Return on Equity (ROE) | 3.3627% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.2737% | 5,343 |
| Net charge-offs to loans | -0.5828% | 7,411 |
| Credit loss provision to net charge-offs | -120.0000% | 6,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0299% | 3,171 |
| Assets per employee ($millions) | 4.4876% | 2,860 |
| Cash dividends to net income (ytd only)* | 62.1212% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9408% | 193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 27.5048% | 7,255 |
| Net loans and leases to deposits | 36.6364% | 7,162 |
| Net loans and leases to core deposits | 37.4766% | 7,184 |
| Total domestic deposits to total assets | 75.0750% | 6,718 |
| Equity capital to assets | 20.6243% | 230 |
| Core capital (leverage) ratio | 20.6620% | 196 |
| Tier 1 risk-based capital ratio | 44.8734% | 177 |
| Total risk-based capital ratio | 46.1451% | 178 |
| Memoranda: | ||
| Average total assets | $56,305,330 | 6,253 |
| Average earning assets | $54,001,670 | 6,146 |
| Average equity | $11,776,330 | 4,619 |
| Average total loans | $17,157,670 | 6,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 7,317 |
| Cost of funding earning assets | 0.3320% | 7,349 |
| Net interest margin | 2.9355% | 6,696 |
| Noninterest income to average assets | 0.2170% | 6,177 |
| Noninterest expense to average assets | 2.2355% | 6,340 |
| Loan and lease loss provision to assets | 0.3256% | 2,597 |
| Net operating income to assets | 0.6728% | 3,645 |
| Return on assets (ROA) | 0.8465% | 2,852 |
| Pretax return on assets | 0.6439% | 4,516 |
| Return on Equity (ROE) | 4.0177% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.6139% | 5,144 |
| Net charge-offs to loans | -1.3182% | 7,502 |
| Credit loss provision to net charge-offs | -78.9474% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7470% | 3,556 |
| Assets per employee ($millions) | 4.2289% | 3,398 |
| Cash dividends to net income (ytd only)* | 59.8291% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9417% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.9017% | 7,268 |
| Net loans and leases to deposits | 38.2214% | 7,161 |
| Net loans and leases to core deposits | 39.1461% | 7,188 |
| Total domestic deposits to total assets | 75.6166% | 6,726 |
| Equity capital to assets | 21.1638% | 200 |
| Core capital (leverage) ratio | 21.2380% | 178 |
| Tier 1 risk-based capital ratio | 48.3510% | 151 |
| Total risk-based capital ratio | 49.6299% | 151 |
| Memoranda: | ||
| Average total assets | $55,288,500 | 6,332 |
| Average earning assets | $53,006,000 | 6,235 |
| Average equity | $11,648,500 | 4,634 |
| Average total loans | $17,296,500 | 6,981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 7,360 |
| Cost of funding earning assets | 0.4759% | 7,335 |
| Net interest margin | 3.0944% | 6,532 |
| Noninterest income to average assets | 0.4375% | 4,610 |
| Noninterest expense to average assets | 2.2748% | 6,423 |
| Loan and lease loss provision to assets | 0.7382% | 2,225 |
| Net operating income to assets | 0.4794% | 4,197 |
| Return on assets (ROA) | 0.6289% | 3,700 |
| Pretax return on assets | 0.5487% | 4,478 |
| Return on Equity (ROE) | 2.8954% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.1330% | 4,978 |
| Net charge-offs to loans | 2.2008% | 887 |
| Credit loss provision to net charge-offs | 98.3010% | 4,706 |
| Earnings coverage of net charge-offs (x) | 1.5146% | 4,620 |
| Efficiency ratio | 66.6667% | 4,828 |
| Assets per employee ($millions) | 4.2770% | 3,252 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0497% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 30.8520% | 7,327 |
| Net loans and leases to deposits | 40.6994% | 7,231 |
| Net loans and leases to core deposits | 41.6703% | 7,267 |
| Total domestic deposits to total assets | 75.8044% | 6,653 |
| Equity capital to assets | 20.9744% | 207 |
| Core capital (leverage) ratio | 21.4719% | 183 |
| Tier 1 risk-based capital ratio | 36.1953% | 317 |
| Total risk-based capital ratio | 37.4563% | 310 |
| Memoranda: | ||
| Average total assets | $54,861,000 | 6,375 |
| Average earning assets | $52,740,200 | 6,262 |
| Average equity | $11,915,600 | 4,635 |
| Average total loans | $18,720,200 | 6,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 7,460 |
| Cost of funding earning assets | 0.5074% | 7,435 |
| Net interest margin | 3.1711% | 6,432 |
| Noninterest income to average assets | 0.4901% | 4,267 |
| Noninterest expense to average assets | 2.2995% | 6,330 |
| Loan and lease loss provision to assets | 0.6340% | 2,405 |
| Net operating income to assets | 0.6048% | 3,861 |
| Return on assets (ROA) | 0.6169% | 3,974 |
| Pretax return on assets | 0.6169% | 4,543 |
| Return on Equity (ROE) | 2.8159% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.2577% | 5,307 |
| Net charge-offs to loans | 1.3663% | 1,483 |
| Credit loss provision to net charge-offs | 134.0206% | 3,014 |
| Earnings coverage of net charge-offs (x) | 2.6186% | 3,842 |
| Efficiency ratio | 64.9897% | 5,052 |
| Assets per employee ($millions) | 4.2032% | 3,442 |
| Cash dividends to net income (ytd only)* | 55.3362% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3398% | 274 |
| 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 | 32.1517% | 7,401 |
| Net loans and leases to deposits | 43.1159% | 7,265 |
| Net loans and leases to core deposits | 44.1807% | 7,313 |
| Total domestic deposits to total assets | 74.5704% | 6,847 |
| Equity capital to assets | 22.1811% | 190 |
| Core capital (leverage) ratio | 21.6854% | 190 |
| Tier 1 risk-based capital ratio | 37.2752% | 304 |
| Total risk-based capital ratio | 38.5413% | 294 |
| Memoranda: | ||
| Average total assets | $54,676,000 | 6,458 |
| Average earning assets | $52,556,500 | 6,349 |
| Average equity | $11,979,000 | 4,683 |
| Average total loans | $18,930,750 | 7,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 7,526 |
| Cost of funding earning assets | 0.5252% | 7,511 |
| Net interest margin | 3.1816% | 6,377 |
| Noninterest income to average assets | 0.2633% | 6,029 |
| Noninterest expense to average assets | 2.2711% | 6,434 |
| Loan and lease loss provision to assets | 0.5120% | 2,755 |
| Net operating income to assets | 0.5376% | 4,157 |
| Return on assets (ROA) | 0.5559% | 4,200 |
| Pretax return on assets | 0.5559% | 4,716 |
| Return on Equity (ROE) | 2.5478% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.3745% | 5,194 |
| Net charge-offs to loans | 0.5335% | 2,929 |
| Credit loss provision to net charge-offs | 274.5098% | 1,358 |
| Earnings coverage of net charge-offs (x) | 5.6275% | 2,628 |
| Efficiency ratio | 68.3921% | 4,500 |
| Assets per employee ($millions) | 4.1697% | 3,450 |
| Cash dividends to net income (ytd only)* | 46.0526% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3474% | 283 |
| Loan loss allowance to noncurrent loans | 788.4615% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,914 |
| Noncurrent loans to loans | 0.5514% | 6,146 |
| Net loans and leases to total assets | 33.2841% | 7,440 |
| Net loans and leases to deposits | 44.6220% | 7,302 |
| Net loans and leases to core deposits | 45.7327% | 7,361 |
| Total domestic deposits to total assets | 74.5914% | 6,903 |
| Equity capital to assets | 22.1654% | 192 |
| Core capital (leverage) ratio | 21.5789% | 191 |
| Tier 1 risk-based capital ratio | 36.7043% | 309 |
| Total risk-based capital ratio | 37.9711% | 303 |
| Memoranda: | ||
| Average total assets | $54,687,670 | 6,501 |
| Average earning assets | $52,553,000 | 6,384 |
| Average equity | $11,932,000 | 4,699 |
| Average total loans | $19,119,330 | 7,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 7,597 |
| Cost of funding earning assets | 0.5298% | 7,628 |
| Net interest margin | 3.2471% | 6,140 |
| Noninterest income to average assets | 0.2476% | 6,174 |
| Noninterest expense to average assets | 2.2575% | 6,517 |
| Loan and lease loss provision to assets | 0.5098% | 2,458 |
| Net operating income to assets | 0.6044% | 3,875 |
| Return on assets (ROA) | 0.6044% | 4,023 |
| Pretax return on assets | 0.6044% | 4,585 |
| Return on Equity (ROE) | 2.7921% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.7921% | 4,457 |
| Net charge-offs to loans | 0.8105% | 1,912 |
| Credit loss provision to net charge-offs | 179.4872% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.9231% | 2,748 |
| Efficiency ratio | 66.9546% | 4,929 |
| Assets per employee ($millions) | 4.1783% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0324% | 365 |
| Loan loss allowance to noncurrent loans | 479.2453% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 6,747 |
| Noncurrent loans to loans | 0.8414% | 5,632 |
| Net loans and leases to total assets | 33.3867% | 7,518 |
| Net loans and leases to deposits | 44.5380% | 7,384 |
| Net loans and leases to core deposits | 45.6387% | 7,442 |
| Total domestic deposits to total assets | 74.9623% | 6,908 |
| Equity capital to assets | 21.9338% | 211 |
| Core capital (leverage) ratio | 21.0473% | 211 |
| Tier 1 risk-based capital ratio | 38.2157% | 284 |
| Total risk-based capital ratio | 39.4808% | 273 |
| Memoranda: | ||
| Average total assets | $54,928,500 | 6,572 |
| Average earning assets | $52,847,000 | 6,444 |
| Average equity | $11,890,500 | 4,743 |
| Average total loans | $19,248,000 | 7,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 7,700 |
| Cost of funding earning assets | 0.6685% | 7,721 |
| Net interest margin | 3.3241% | 5,647 |
| Noninterest income to average assets | 0.3069% | 5,888 |
| Noninterest expense to average assets | 2.3126% | 6,715 |
| Loan and lease loss provision to assets | 0.5710% | 3,522 |
| Net operating income to assets | 0.6263% | 3,229 |
| Return on assets (ROA) | 0.6727% | 3,098 |
| Pretax return on assets | 0.6727% | 3,673 |
| Return on Equity (ROE) | 3.1798% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.3121% | 4,733 |
| Net charge-offs to loans | 1.4087% | 1,781 |
| Credit loss provision to net charge-offs | 109.2150% | 5,055 |
| Earnings coverage of net charge-offs (x) | 2.2901% | 4,011 |
| Efficiency ratio | 65.8871% | 5,413 |
| Assets per employee ($millions) | 4.2722% | 3,314 |
| Cash dividends to net income (ytd only)* | 90.1857% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7298% | 435 |
| Loan loss allowance to noncurrent loans | 186.9565% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 5,699 |
| Noncurrent loans to loans | 1.9950% | 3,654 |
| Net loans and leases to total assets | 33.9725% | 7,591 |
| Net loans and leases to deposits | 46.5969% | 7,416 |
| Net loans and leases to core deposits | 50.2731% | 7,584 |
| Total domestic deposits to total assets | 72.9073% | 7,164 |
| Equity capital to assets | 21.3670% | 238 |
| Core capital (leverage) ratio | 20.9554% | 243 |
| Tier 1 risk-based capital ratio | 36.2302% | 319 |
| Total risk-based capital ratio | 37.4945% | 312 |
| Memoranda: | ||
| Average total assets | $56,042,000 | 6,493 |
| Average earning assets | $54,000,200 | 6,375 |
| Average equity | $11,856,000 | 4,786 |
| Average total loans | $20,799,200 | 7,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 7,796 |
| Cost of funding earning assets | 0.6898% | 7,822 |
| Net interest margin | 3.3308% | 5,525 |
| Noninterest income to average assets | 0.3062% | 6,031 |
| Noninterest expense to average assets | 2.3500% | 6,554 |
| Loan and lease loss provision to assets | 0.4035% | 3,897 |
| Net operating income to assets | 0.7620% | 2,971 |
| Return on assets (ROA) | 0.7620% | 3,039 |
| Pretax return on assets | 0.7620% | 3,660 |
| Return on Equity (ROE) | 3.6107% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.7547% | 4,332 |
| Net charge-offs to loans | 1.1059% | 1,808 |
| Credit loss provision to net charge-offs | 97.1429% | 5,259 |
| Earnings coverage of net charge-offs (x) | 2.8057% | 3,815 |
| Efficiency ratio | 66.8467% | 5,219 |
| Assets per employee ($millions) | 3.9913% | 3,750 |
| Cash dividends to net income (ytd only)* | 51.4007% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5046% | 423 |
| Loan loss allowance to noncurrent loans | 241.8685% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 6,170 |
| Noncurrent loans to loans | 1.4490% | 4,500 |
| Net loans and leases to total assets | 34.4429% | 7,675 |
| Net loans and leases to deposits | 47.3736% | 7,524 |
| Net loans and leases to core deposits | 51.0924% | 7,660 |
| Total domestic deposits to total assets | 72.7048% | 7,120 |
| Equity capital to assets | 21.5792% | 262 |
| Core capital (leverage) ratio | 21.3419% | 250 |
| Tier 1 risk-based capital ratio | 35.9048% | 359 |
| Total risk-based capital ratio | 37.1665% | 352 |
| Memoranda: | ||
| Average total assets | $56,167,750 | 6,538 |
| Average earning assets | $54,120,250 | 6,416 |
| Average equity | $11,853,250 | 4,834 |
| Average total loans | $21,099,250 | 7,195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 7,870 |
| Cost of funding earning assets | 0.7310% | 7,898 |
| Net interest margin | 3.3856% | 5,234 |
| Noninterest income to average assets | 0.2666% | 6,365 |
| Noninterest expense to average assets | 2.3887% | 6,500 |
| Loan and lease loss provision to assets | 0.3910% | 3,569 |
| Net operating income to assets | 0.7465% | 3,059 |
| Return on assets (ROA) | 0.7465% | 3,164 |
| Pretax return on assets | 0.7465% | 3,843 |
| Return on Equity (ROE) | 3.5639% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,258 |
| Net charge-offs to loans | 1.0706% | 1,686 |
| Credit loss provision to net charge-offs | 95.6522% | 4,749 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 3,693 |
| Efficiency ratio | 67.7419% | 5,202 |
| Assets per employee ($millions) | 3.2738% | 5,384 |
| Cash dividends to net income (ytd only)* | 45.2381% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3262% | 439 |
| Loan loss allowance to noncurrent loans | 162.1810% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 5,462 |
| Noncurrent loans to loans | 2.0509% | 3,444 |
| Net loans and leases to total assets | 36.5035% | 7,689 |
| Net loans and leases to deposits | 48.3162% | 7,553 |
| Net loans and leases to core deposits | 52.0176% | 7,707 |
| Total domestic deposits to total assets | 75.5512% | 6,645 |
| Equity capital to assets | 21.3997% | 309 |
| Core capital (leverage) ratio | 20.6393% | 331 |
| Tier 1 risk-based capital ratio | 34.7226% | 426 |
| Total risk-based capital ratio | 35.9828% | 419 |
| Memoranda: | ||
| Average total assets | $56,264,330 | 6,580 |
| Average earning assets | $54,171,330 | 6,460 |
| Average equity | $11,785,000 | 4,872 |
| Average total loans | $21,484,000 | 7,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 7,888 |
| Cost of funding earning assets | 0.7712% | 7,939 |
| Net interest margin | 3.4669% | 4,862 |
| Noninterest income to average assets | 0.2333% | 6,599 |
| Noninterest expense to average assets | 2.2698% | 6,631 |
| Loan and lease loss provision to assets | 0.3182% | 3,425 |
| Net operating income to assets | 0.9829% | 2,386 |
| Return on assets (ROA) | 0.9829% | 2,515 |
| Pretax return on assets | 0.9829% | 3,409 |
| Return on Equity (ROE) | 4.7430% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.7430% | 3,269 |
| Net charge-offs to loans | 0.9577% | 1,395 |
| Credit loss provision to net charge-offs | 86.5385% | 4,075 |
| Earnings coverage of net charge-offs (x) | 3.5385% | 3,148 |
| Efficiency ratio | 63.5644% | 5,769 |
| Assets per employee ($millions) | 3.4276% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3389% | 365 |
| Loan loss allowance to noncurrent loans | 146.7368% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 5,026 |
| Noncurrent loans to loans | 2.2754% | 2,891 |
| Net loans and leases to total assets | 36.7930% | 7,702 |
| Net loans and leases to deposits | 48.8702% | 7,541 |
| Net loans and leases to core deposits | 52.7033% | 7,707 |
| Total domestic deposits to total assets | 75.2872% | 6,647 |
| Equity capital to assets | 21.6403% | 322 |
| Core capital (leverage) ratio | 20.2483% | 383 |
| Tier 1 risk-based capital ratio | 35.9409% | 408 |
| Total risk-based capital ratio | 37.1996% | 400 |
| Memoranda: | ||
| Average total assets | $56,569,000 | 6,601 |
| Average earning assets | $54,458,000 | 6,475 |
| Average equity | $11,722,500 | 4,917 |
| Average total loans | $21,718,500 | 7,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 7,868 |
| Cost of funding earning assets | 1.5089% | 7,594 |
| Net interest margin | 3.4442% | 5,486 |
| Noninterest income to average assets | 0.3091% | 6,241 |
| Noninterest expense to average assets | 2.3067% | 6,678 |
| Loan and lease loss provision to assets | 0.0432% | 6,876 |
| Net operating income to assets | 1.1948% | 1,789 |
| Return on assets (ROA) | 0.5473% | 4,392 |
| Pretax return on assets | 0.5473% | 4,861 |
| Return on Equity (ROE) | 2.7127% | 5,339 |
| Retained earnings to average equity (ytd only) | -2.4731% | 5,991 |
| Net charge-offs to loans | 0.1346% | 4,879 |
| Credit loss provision to net charge-offs | 80.6452% | 5,889 |
| Earnings coverage of net charge-offs (x) | 23.1290% | 1,431 |
| Efficiency ratio | 65.0755% | 5,306 |
| Assets per employee ($millions) | 3.2387% | 5,367 |
| Cash dividends to net income (ytd only)* | 191.1672% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 395 |
| Loan loss allowance to noncurrent loans | 5,415.3846% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 7,514 |
| Noncurrent loans to loans | 0.0576% | 7,280 |
| Net loans and leases to total assets | 37.4949% | 7,774 |
| Net loans and leases to deposits | 50.2425% | 7,621 |
| Net loans and leases to core deposits | 54.8163% | 7,772 |
| Total domestic deposits to total assets | 74.6278% | 6,534 |
| Equity capital to assets | 19.8590% | 475 |
| Core capital (leverage) ratio | 19.3048% | 488 |
| Tier 1 risk-based capital ratio | 33.8198% | 483 |
| Total risk-based capital ratio | 35.0800% | 476 |
| Memoranda: | ||
| Average total assets | $57,919,200 | 6,456 |
| Average earning assets | $54,410,600 | 6,392 |
| Average equity | $11,685,600 | 4,917 |
| Average total loans | $23,033,400 | 7,134 |