Home > The Farmers & Merchants State Bank of Cawker City > Performance and Condition Ratios
The Farmers & Merchants State Bank of Cawker City, 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 | 5.0778% | 521 |
| Cost of funding earning assets | 0.8238% | 438 |
| Net interest margin | 4.2539% | 1,020 |
| Noninterest income to average assets | 0.1633% | 5,451 |
| Noninterest expense to average assets | 1.9306% | 5,335 |
| Loan and lease loss provision to assets | 0.4901% | 259 |
| Net operating income to assets | 1.7301% | 564 |
| Return on assets (ROA) | 1.7301% | 597 |
| Pretax return on assets | 1.7301% | 1,035 |
| Return on Equity (ROE) | 18.0958% | 352 |
| Retained earnings to average equity (ytd only) | 0.9320% | 5,108 |
| Net charge-offs to loans | -0.0643% | 5,442 |
| Credit loss provision to net charge-offs | -825.0000% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5116% | 5,649 |
| Assets per employee ($millions) | 5.9903% | 1,440 |
| Cash dividends to net income (ytd only)* | 94.8497% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,567 |
| Loan loss allowance to noncurrent loans | 32.3923% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.9174% | 219 |
| Noncurrent loans to loans | 4.0820% | 264 |
| Net loans and leases to total assets | 90.5292% | 59 |
| Net loans and leases to deposits | 128.2134% | 51 |
| Net loans and leases to core deposits | 160.8244% | 92 |
| Total domestic deposits to total assets | 70.6082% | 5,660 |
| Equity capital to assets | 9.5376% | 4,624 |
| Core capital (leverage) ratio | 9.4171% | 4,303 |
| Tier 1 risk-based capital ratio | 10.3116% | 5,698 |
| Total risk-based capital ratio | 11.5630% | 5,626 |
| Memoranda: | ||
| Average total assets | $17,956,000 | 5,922 |
| Average earning assets | $16,831,000 | 5,906 |
| Average equity | $1,716,750 | 5,936 |
| Average total loans | $16,600,250 | 5,683 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 455 |
| Cost of funding earning assets | 0.8440% | 390 |
| Net interest margin | 4.3149% | 894 |
| Noninterest income to average assets | 0.1671% | 5,488 |
| Noninterest expense to average assets | 1.8829% | 5,483 |
| Loan and lease loss provision to assets | 0.7353% | 149 |
| Net operating income to assets | 1.5932% | 736 |
| Return on assets (ROA) | 1.5932% | 780 |
| Pretax return on assets | 1.5932% | 1,391 |
| Return on Equity (ROE) | 16.6505% | 463 |
| Retained earnings to average equity (ytd only) | -6.1712% | 5,792 |
| Net charge-offs to loans | -0.0841% | 5,562 |
| Credit loss provision to net charge-offs | -942.8571% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7090% | 5,802 |
| Assets per employee ($millions) | 6.2473% | 1,234 |
| Cash dividends to net income (ytd only)* | 137.0629% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,076 |
| Loan loss allowance to noncurrent loans | 23.6641% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.8928% | 156 |
| Noncurrent loans to loans | 5.2771% | 157 |
| Net loans and leases to total assets | 91.5591% | 28 |
| Net loans and leases to deposits | 139.7849% | 16 |
| Net loans and leases to core deposits | 167.6272% | 71 |
| Total domestic deposits to total assets | 65.4999% | 5,902 |
| Equity capital to assets | 8.7984% | 5,405 |
| Core capital (leverage) ratio | 8.9275% | 4,909 |
| Tier 1 risk-based capital ratio | 9.7846% | 5,901 |
| Total risk-based capital ratio | 11.0366% | 5,864 |
| Memoranda: | ||
| Average total assets | $17,951,000 | 5,998 |
| Average earning assets | $16,825,330 | 5,980 |
| Average equity | $1,717,670 | 6,012 |
| Average total loans | $16,638,000 | 5,746 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 418 |
| Cost of funding earning assets | 0.8505% | 390 |
| Net interest margin | 4.3497% | 833 |
| Noninterest income to average assets | 0.1823% | 5,407 |
| Noninterest expense to average assets | 1.9823% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2785% | 207 |
| Return on assets (ROA) | 2.2785% | 218 |
| Pretax return on assets | 2.2785% | 330 |
| Return on Equity (ROE) | 22.8311% | 133 |
| Retained earnings to average equity (ytd only) | 22.8311% | 59 |
| Net charge-offs to loans | -0.1721% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5241% | 5,788 |
| Assets per employee ($millions) | 5.7793% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,991 |
| Loan loss allowance to noncurrent loans | 123.7705% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 2,955 |
| Noncurrent loans to loans | 0.7438% | 2,979 |
| Net loans and leases to total assets | 93.7363% | 10 |
| Net loans and leases to deposits | 132.9407% | 28 |
| Net loans and leases to core deposits | 161.1023% | 78 |
| Total domestic deposits to total assets | 70.5099% | 5,847 |
| Equity capital to assets | 10.3934% | 3,627 |
| Core capital (leverage) ratio | 10.4294% | 3,040 |
| Tier 1 risk-based capital ratio | 11.7678% | 5,068 |
| Total risk-based capital ratio | 12.7539% | 5,138 |
| Memoranda: | ||
| Average total assets | $17,555,500 | 6,063 |
| Average earning assets | $16,461,000 | 6,045 |
| Average equity | $1,752,000 | 6,067 |
| Average total loans | $16,268,500 | 5,813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 562 |
| Cost of funding earning assets | 0.8323% | 417 |
| Net interest margin | 4.2239% | 1,115 |
| Noninterest income to average assets | 0.2102% | 5,338 |
| Noninterest expense to average assets | 1.9156% | 5,596 |
| Loan and lease loss provision to assets | 1.1272% | 71 |
| Net operating income to assets | 0.9928% | 2,404 |
| Return on assets (ROA) | 0.9928% | 2,497 |
| Pretax return on assets | 1.1096% | 3,002 |
| Return on Equity (ROE) | 10.0485% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.6153% | 2,006 |
| Net charge-offs to loans | 1.1204% | 164 |
| Credit loss provision to net charge-offs | 109.0395% | 2,309 |
| Earnings coverage of net charge-offs (x) | 2.1638% | 3,964 |
| Efficiency ratio | 46.1322% | 5,921 |
| Assets per employee ($millions) | 5.9243% | 1,439 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 5,108 |
| Loan loss allowance to noncurrent loans | 75.3927% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 2,038 |
| Noncurrent loans to loans | 1.1838% | 1,990 |
| Net loans and leases to total assets | 89.9679% | 64 |
| Net loans and leases to deposits | 132.8073% | 32 |
| Net loans and leases to core deposits | 161.4662% | 75 |
| Total domestic deposits to total assets | 67.7432% | 5,979 |
| Equity capital to assets | 9.5763% | 4,467 |
| Core capital (leverage) ratio | 9.6104% | 4,035 |
| Tier 1 risk-based capital ratio | 11.1097% | 5,465 |
| Total risk-based capital ratio | 12.0496% | 5,536 |
| Memoranda: | ||
| Average total assets | $17,122,600 | 6,125 |
| Average earning assets | $15,980,600 | 6,111 |
| Average equity | $1,691,800 | 6,130 |
| Average total loans | $15,798,200 | 5,869 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 602 |
| Cost of funding earning assets | 0.8397% | 401 |
| Net interest margin | 4.1733% | 1,227 |
| Noninterest income to average assets | 0.2201% | 5,338 |
| Noninterest expense to average assets | 1.9261% | 5,600 |
| Loan and lease loss provision to assets | 0.3931% | 313 |
| Net operating income to assets | 1.6824% | 651 |
| Return on assets (ROA) | 1.6824% | 673 |
| Pretax return on assets | 1.8081% | 883 |
| Return on Equity (ROE) | 16.8909% | 477 |
| Retained earnings to average equity (ytd only) | 10.9711% | 483 |
| Net charge-offs to loans | -0.0509% | 5,554 |
| Credit loss provision to net charge-offs | -833.3333% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6667% | 5,937 |
| Assets per employee ($millions) | 5.7270% | 1,571 |
| Cash dividends to net income (ytd only)* | 35.0471% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 93.0505% | 16 |
| Net loans and leases to deposits | 146.7640% | 17 |
| Net loans and leases to core deposits | 162.4200% | 74 |
| Total domestic deposits to total assets | 63.4014% | 6,140 |
| Equity capital to assets | 10.1624% | 3,982 |
| Core capital (leverage) ratio | 10.3571% | 3,192 |
| Tier 1 risk-based capital ratio | 11.5293% | 5,356 |
| Total risk-based capital ratio | 12.7443% | 5,300 |
| Memoranda: | ||
| Average total assets | $16,960,000 | 6,212 |
| Average earning assets | $15,878,250 | 6,195 |
| Average equity | $1,689,250 | 6,217 |
| Average total loans | $15,714,250 | 5,950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 651 |
| Cost of funding earning assets | 0.8376% | 410 |
| Net interest margin | 4.1119% | 1,324 |
| Noninterest income to average assets | 0.2369% | 5,261 |
| Noninterest expense to average assets | 1.8832% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0372% | 348 |
| Return on assets (ROA) | 2.0372% | 362 |
| Pretax return on assets | 2.1911% | 422 |
| Return on Equity (ROE) | 20.5947% | 243 |
| Retained earnings to average equity (ytd only) | 11.6145% | 433 |
| Net charge-offs to loans | -0.1157% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2209% | 6,034 |
| Assets per employee ($millions) | 5.4347% | 1,806 |
| Cash dividends to net income (ytd only)* | 43.6047% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 5,320 |
| 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 | 92.4926% | 22 |
| Net loans and leases to deposits | 126.6801% | 59 |
| Net loans and leases to core deposits | 156.8872% | 86 |
| Total domestic deposits to total assets | 73.0128% | 5,866 |
| Equity capital to assets | 10.4514% | 3,499 |
| Core capital (leverage) ratio | 10.5609% | 2,883 |
| Tier 1 risk-based capital ratio | 12.0373% | 5,119 |
| Total risk-based capital ratio | 12.9980% | 5,220 |
| Memoranda: | ||
| Average total assets | $16,886,330 | 6,291 |
| Average earning assets | $15,759,000 | 6,275 |
| Average equity | $1,670,330 | 6,293 |
| Average total loans | $15,562,000 | 6,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 656 |
| Cost of funding earning assets | 0.8297% | 422 |
| Net interest margin | 4.0982% | 1,281 |
| Noninterest income to average assets | 0.2561% | 5,125 |
| Noninterest expense to average assets | 1.8862% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1656% | 244 |
| Return on assets (ROA) | 2.1656% | 263 |
| Pretax return on assets | 2.1656% | 417 |
| Return on Equity (ROE) | 22.4977% | 167 |
| Retained earnings to average equity (ytd only) | 22.4977% | 66 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5517% | 6,082 |
| Assets per employee ($millions) | 5.4310% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 5,586 |
| Loan loss allowance to noncurrent loans | 309.7561% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 4,935 |
| Noncurrent loans to loans | 0.2726% | 4,802 |
| Net loans and leases to total assets | 91.5424% | 34 |
| Net loans and leases to deposits | 125.0210% | 56 |
| Net loans and leases to core deposits | 203.0357% | 44 |
| Total domestic deposits to total assets | 73.2216% | 5,961 |
| Equity capital to assets | 10.4339% | 3,609 |
| Core capital (leverage) ratio | 10.3715% | 3,134 |
| Tier 1 risk-based capital ratio | 12.1403% | 5,158 |
| Total risk-based capital ratio | 13.0472% | 5,270 |
| Memoranda: | ||
| Average total assets | $17,177,500 | 6,353 |
| Average earning assets | $15,909,500 | 6,337 |
| Average equity | $1,653,500 | 6,360 |
| Average total loans | $15,735,000 | 6,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 731 |
| Cost of funding earning assets | 0.8702% | 460 |
| Net interest margin | 4.1571% | 1,411 |
| Noninterest income to average assets | 0.2356% | 5,448 |
| Noninterest expense to average assets | 1.8497% | 6,009 |
| Loan and lease loss provision to assets | 0.1414% | 1,874 |
| Net operating income to assets | 2.1148% | 266 |
| Return on assets (ROA) | 2.1148% | 271 |
| Pretax return on assets | 2.1560% | 356 |
| Return on Equity (ROE) | 23.7183% | 129 |
| Retained earnings to average equity (ytd only) | 12.1564% | 286 |
| Net charge-offs to loans | 0.1605% | 2,428 |
| Credit loss provision to net charge-offs | 96.0000% | 2,516 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 2,071 |
| Efficiency ratio | 44.6023% | 6,307 |
| Assets per employee ($millions) | 6.0207% | 1,361 |
| Cash dividends to net income (ytd only)* | 48.7465% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 5,842 |
| Loan loss allowance to noncurrent loans | 295.3488% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,067 |
| Noncurrent loans to loans | 0.2617% | 4,902 |
| Net loans and leases to total assets | 90.2502% | 63 |
| Net loans and leases to deposits | 130.3976% | 42 |
| Net loans and leases to core deposits | 159.6728% | 85 |
| Total domestic deposits to total assets | 69.2116% | 6,229 |
| Equity capital to assets | 8.8971% | 5,383 |
| Core capital (leverage) ratio | 9.2489% | 4,607 |
| Tier 1 risk-based capital ratio | 10.4053% | 6,137 |
| Total risk-based capital ratio | 11.2277% | 6,215 |
| Memoranda: | ||
| Average total assets | $16,975,600 | 6,445 |
| Average earning assets | $15,972,600 | 6,423 |
| Average equity | $1,513,600 | 6,459 |
| Average total loans | $15,581,000 | 6,144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 768 |
| Cost of funding earning assets | 0.8860% | 448 |
| Net interest margin | 4.1175% | 1,522 |
| Noninterest income to average assets | 0.2155% | 5,642 |
| Noninterest expense to average assets | 1.9077% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1711% | 255 |
| Return on assets (ROA) | 2.1711% | 261 |
| Pretax return on assets | 2.2030% | 366 |
| Return on Equity (ROE) | 24.3355% | 116 |
| Retained earnings to average equity (ytd only) | 8.6784% | 1,107 |
| Net charge-offs to loans | 0.0087% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 276.6842% | 245 |
| Efficiency ratio | 46.4078% | 6,278 |
| Assets per employee ($millions) | 5.5643% | 1,666 |
| Cash dividends to net income (ytd only)* | 64.3385% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 5,850 |
| Loan loss allowance to noncurrent loans | 35.1801% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 1,288 |
| Noncurrent loans to loans | 2.3030% | 1,302 |
| Net loans and leases to total assets | 93.1408% | 15 |
| Net loans and leases to deposits | 132.7981% | 32 |
| Net loans and leases to core deposits | 165.1232% | 69 |
| Total domestic deposits to total assets | 70.1372% | 6,281 |
| Equity capital to assets | 9.1056% | 5,246 |
| Core capital (leverage) ratio | 9.0229% | 5,044 |
| Tier 1 risk-based capital ratio | 10.2737% | 6,277 |
| Total risk-based capital ratio | 11.1321% | 6,342 |
| Memoranda: | ||
| Average total assets | $16,704,000 | 6,527 |
| Average earning assets | $15,802,000 | 6,505 |
| Average equity | $1,490,250 | 6,538 |
| Average total loans | $15,369,250 | 6,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 883 |
| Cost of funding earning assets | 0.9126% | 400 |
| Net interest margin | 4.0052% | 1,791 |
| Noninterest income to average assets | 0.2155% | 5,661 |
| Noninterest expense to average assets | 1.9153% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0589% | 298 |
| Return on assets (ROA) | 2.0589% | 313 |
| Pretax return on assets | 2.0829% | 454 |
| Return on Equity (ROE) | 23.2381% | 160 |
| Retained earnings to average equity (ytd only) | 13.1052% | 330 |
| Net charge-offs to loans | 0.0131% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 363 |
| Efficiency ratio | 47.9042% | 6,292 |
| Assets per employee ($millions) | 5.5647% | 1,639 |
| Cash dividends to net income (ytd only)* | 43.6047% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 5,962 |
| Loan loss allowance to noncurrent loans | 35.1801% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 1,423 |
| Noncurrent loans to loans | 2.2903% | 1,420 |
| Net loans and leases to total assets | 93.6564% | 10 |
| Net loans and leases to deposits | 132.6011% | 34 |
| Net loans and leases to core deposits | 160.5071% | 76 |
| Total domestic deposits to total assets | 70.6302% | 6,331 |
| Equity capital to assets | 9.1051% | 5,199 |
| Core capital (leverage) ratio | 9.0860% | 4,890 |
| Tier 1 risk-based capital ratio | 10.1631% | 6,343 |
| Total risk-based capital ratio | 11.0123% | 6,439 |
| Memoranda: | ||
| Average total assets | $16,707,670 | 6,594 |
| Average earning assets | $15,779,670 | 6,570 |
| Average equity | $1,480,330 | 6,603 |
| Average total loans | $15,267,330 | 6,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 1,028 |
| Cost of funding earning assets | 0.9919% | 283 |
| Net interest margin | 3.8150% | 2,408 |
| Noninterest income to average assets | 0.1675% | 5,973 |
| Noninterest expense to average assets | 1.9624% | 5,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7948% | 488 |
| Return on assets (ROA) | 1.7948% | 506 |
| Pretax return on assets | 1.7948% | 805 |
| Return on Equity (ROE) | 20.5409% | 261 |
| Retained earnings to average equity (ytd only) | 20.5409% | 108 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2293% | 6,123 |
| Assets per employee ($millions) | 5.4513% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,046 |
| 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 | 93.8486% | 5 |
| Net loans and leases to deposits | 126.2794% | 44 |
| Net loans and leases to core deposits | 138.2205% | 137 |
| Total domestic deposits to total assets | 74.3182% | 6,215 |
| Equity capital to assets | 9.1598% | 4,925 |
| Core capital (leverage) ratio | 8.8081% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3905% | 6,366 |
| Total risk-based capital ratio | 11.2784% | 6,444 |
| Memoranda: | ||
| Average total assets | $16,714,500 | 6,667 |
| Average earning assets | $15,727,500 | 6,642 |
| Average equity | $1,460,500 | 6,671 |
| Average total loans | $15,020,000 | 6,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 963 |
| Cost of funding earning assets | 1.1723% | 204 |
| Net interest margin | 3.8017% | 2,650 |
| Noninterest income to average assets | 0.2023% | 5,871 |
| Noninterest expense to average assets | 2.1392% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5017% | 822 |
| Return on assets (ROA) | 1.5017% | 861 |
| Pretax return on assets | 1.5814% | 1,219 |
| Return on Equity (ROE) | 17.6921% | 436 |
| Retained earnings to average equity (ytd only) | 4.6938% | 2,816 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4959% | 5,793 |
| Assets per employee ($millions) | 5.6917% | 1,484 |
| Cash dividends to net income (ytd only)* | 73.4694% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 5,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 84.5447% | 219 |
| Net loans and leases to deposits | 99.0871% | 530 |
| Net loans and leases to core deposits | 124.9654% | 249 |
| Total domestic deposits to total assets | 85.3236% | 3,583 |
| Equity capital to assets | 8.3338% | 5,756 |
| Core capital (leverage) ratio | 8.9227% | 5,117 |
| Tier 1 risk-based capital ratio | 10.3423% | 6,418 |
| Total risk-based capital ratio | 11.2726% | 6,474 |
| Memoranda: | ||
| Average total assets | $16,314,800 | 6,749 |
| Average earning assets | $15,098,400 | 6,735 |
| Average equity | $1,384,800 | 6,768 |
| Average total loans | $14,515,000 | 6,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 830 |
| Cost of funding earning assets | 1.2074% | 193 |
| Net interest margin | 3.8545% | 2,445 |
| Noninterest income to average assets | 0.1736% | 6,147 |
| Noninterest expense to average assets | 2.1416% | 5,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5131% | 874 |
| Return on assets (ROA) | 1.5131% | 920 |
| Pretax return on assets | 1.5958% | 1,342 |
| Return on Equity (ROE) | 17.7415% | 462 |
| Retained earnings to average equity (ytd only) | 6.1080% | 2,338 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3009% | 5,767 |
| Assets per employee ($millions) | 5.1430% | 2,002 |
| Cash dividends to net income (ytd only)* | 65.5765% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 89.2929% | 52 |
| Net loans and leases to deposits | 106.7984% | 216 |
| Net loans and leases to core deposits | 139.4010% | 123 |
| Total domestic deposits to total assets | 83.6088% | 4,346 |
| Equity capital to assets | 9.2099% | 4,924 |
| Core capital (leverage) ratio | 9.0435% | 5,060 |
| Tier 1 risk-based capital ratio | 11.0335% | 6,264 |
| Total risk-based capital ratio | 12.0273% | 6,339 |
| Memoranda: | ||
| Average total assets | $16,124,750 | 6,827 |
| Average earning assets | $14,908,500 | 6,818 |
| Average equity | $1,375,250 | 6,849 |
| Average total loans | $14,502,750 | 6,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 824 |
| Cost of funding earning assets | 1.2099% | 207 |
| Net interest margin | 3.8559% | 2,357 |
| Noninterest income to average assets | 0.1712% | 6,187 |
| Noninterest expense to average assets | 2.1031% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5284% | 857 |
| Return on assets (ROA) | 1.5284% | 924 |
| Pretax return on assets | 1.6140% | 1,324 |
| Return on Equity (ROE) | 18.3824% | 431 |
| Retained earnings to average equity (ytd only) | 0.7353% | 5,607 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5789% | 5,891 |
| Assets per employee ($millions) | 5.2470% | 1,844 |
| Cash dividends to net income (ytd only)* | 96.0000% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,193 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 6,353 |
| Noncurrent loans to loans | 0.0549% | 6,226 |
| Net loans and leases to total assets | 91.7350% | 20 |
| Net loans and leases to deposits | 108.7595% | 167 |
| Net loans and leases to core deposits | 140.7407% | 130 |
| Total domestic deposits to total assets | 84.3466% | 4,177 |
| Equity capital to assets | 8.6526% | 5,610 |
| Core capital (leverage) ratio | 8.4392% | 5,734 |
| Tier 1 risk-based capital ratio | 10.0635% | 6,618 |
| Total risk-based capital ratio | 11.0093% | 6,661 |
| Memoranda: | ||
| Average total assets | $16,356,670 | 6,873 |
| Average earning assets | $15,042,000 | 6,864 |
| Average equity | $1,360,000 | 6,898 |
| Average total loans | $14,702,000 | 6,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 857 |
| Cost of funding earning assets | 1.2156% | 217 |
| Net interest margin | 3.8052% | 2,432 |
| Noninterest income to average assets | 0.1440% | 6,383 |
| Noninterest expense to average assets | 2.0883% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4882% | 882 |
| Return on assets (ROA) | 1.4882% | 960 |
| Pretax return on assets | 1.5122% | 1,529 |
| Return on Equity (ROE) | 18.2487% | 420 |
| Retained earnings to average equity (ytd only) | 0.5887% | 5,590 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0000% | 5,850 |
| Assets per employee ($millions) | 5.4267% | 1,736 |
| Cash dividends to net income (ytd only)* | 96.7742% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 6,332 |
| 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 | 89.9079% | 37 |
| Net loans and leases to deposits | 105.8275% | 200 |
| Net loans and leases to core deposits | 135.3523% | 144 |
| Total domestic deposits to total assets | 84.9570% | 4,062 |
| Equity capital to assets | 8.3538% | 6,145 |
| Core capital (leverage) ratio | 8.3723% | 5,741 |
| Tier 1 risk-based capital ratio | 9.7750% | 6,724 |
| Total risk-based capital ratio | 10.6950% | 6,761 |
| Memoranda: | ||
| Average total assets | $16,664,500 | 6,947 |
| Average earning assets | $15,137,000 | 6,936 |
| Average equity | $1,359,000 | 6,966 |
| Average total loans | $14,769,000 | 6,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5647% | 548 |
| Cost of funding earning assets | 1.3249% | 337 |
| Net interest margin | 4.2398% | 1,545 |
| Noninterest income to average assets | 0.2325% | 5,782 |
| Noninterest expense to average assets | 2.1935% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8855% | 443 |
| Return on assets (ROA) | 1.8855% | 493 |
| Pretax return on assets | 1.9610% | 655 |
| Return on Equity (ROE) | 22.4383% | 200 |
| Retained earnings to average equity (ytd only) | 2.9918% | 4,123 |
| Net charge-offs to loans | 0.0415% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 663 |
| Efficiency ratio | 52.7988% | 6,393 |
| Assets per employee ($millions) | 5.6830% | 1,531 |
| Cash dividends to net income (ytd only)* | 86.6667% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 85.8995% | 132 |
| Net loans and leases to deposits | 105.3067% | 236 |
| Net loans and leases to core deposits | 134.4812% | 158 |
| Total domestic deposits to total assets | 81.5708% | 5,236 |
| Equity capital to assets | 7.9653% | 6,426 |
| Core capital (leverage) ratio | 8.6879% | 5,344 |
| Tier 1 risk-based capital ratio | 9.8313% | 6,738 |
| Total risk-based capital ratio | 10.7580% | 6,791 |
| Memoranda: | ||
| Average total assets | $15,910,600 | 7,013 |
| Average earning assets | $14,717,800 | 6,995 |
| Average equity | $1,337,000 | 7,041 |
| Average total loans | $14,453,800 | 6,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 592 |
| Cost of funding earning assets | 1.3412% | 372 |
| Net interest margin | 4.2231% | 1,672 |
| Noninterest income to average assets | 0.2645% | 5,662 |
| Noninterest expense to average assets | 2.2782% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8942% | 459 |
| Return on assets (ROA) | 1.8942% | 534 |
| Pretax return on assets | 1.9625% | 762 |
| Return on Equity (ROE) | 22.2256% | 227 |
| Retained earnings to average equity (ytd only) | 2.7032% | 4,934 |
| Net charge-offs to loans | 0.0557% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 38.3325% | 913 |
| Efficiency ratio | 53.7223% | 6,284 |
| Assets per employee ($millions) | 5.1230% | 2,024 |
| Cash dividends to net income (ytd only)* | 87.8374% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,469 |
| Loan loss allowance to noncurrent loans | 2,560.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,687 |
| Noncurrent loans to loans | 0.0338% | 6,533 |
| Net loans and leases to total assets | 95.3087% | 7 |
| Net loans and leases to deposits | 114.2857% | 106 |
| Net loans and leases to core deposits | 149.4694% | 112 |
| Total domestic deposits to total assets | 83.3951% | 4,484 |
| Equity capital to assets | 8.7514% | 6,068 |
| Core capital (leverage) ratio | 8.6741% | 5,511 |
| Tier 1 risk-based capital ratio | 9.8549% | 6,829 |
| Total risk-based capital ratio | 10.7928% | 6,880 |
| Memoranda: | ||
| Average total assets | $15,626,000 | 7,108 |
| Average earning assets | $14,712,500 | 7,089 |
| Average equity | $1,331,750 | 7,137 |
| Average total loans | $14,374,000 | 6,774 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 569 |
| Cost of funding earning assets | 1.3574% | 411 |
| Net interest margin | 4.2487% | 1,608 |
| Noninterest income to average assets | 0.2928% | 5,463 |
| Noninterest expense to average assets | 2.2658% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9476% | 424 |
| Return on assets (ROA) | 1.9476% | 488 |
| Pretax return on assets | 2.0112% | 687 |
| Return on Equity (ROE) | 23.0538% | 207 |
| Retained earnings to average equity (ytd only) | 3.4656% | 4,291 |
| Net charge-offs to loans | 0.0843% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,168 |
| Efficiency ratio | 52.9762% | 6,422 |
| Assets per employee ($millions) | 5.2290% | 1,890 |
| Cash dividends to net income (ytd only)* | 84.9673% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,450 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,809 |
| Noncurrent loans to loans | 0.0141% | 6,660 |
| Net loans and leases to total assets | 89.7558% | 45 |
| Net loans and leases to deposits | 106.2962% | 220 |
| Net loans and leases to core deposits | 137.6479% | 161 |
| Total domestic deposits to total assets | 84.4393% | 4,121 |
| Equity capital to assets | 8.5485% | 6,162 |
| Core capital (leverage) ratio | 8.6232% | 5,485 |
| Tier 1 risk-based capital ratio | 10.1946% | 6,774 |
| Total risk-based capital ratio | 11.1677% | 6,832 |
| Memoranda: | ||
| Average total assets | $15,711,670 | 7,167 |
| Average earning assets | $14,734,000 | 7,152 |
| Average equity | $1,327,330 | 7,195 |
| Average total loans | $14,240,000 | 6,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 708 |
| Cost of funding earning assets | 1.4393% | 365 |
| Net interest margin | 4.1008% | 2,085 |
| Noninterest income to average assets | 0.2798% | 5,627 |
| Noninterest expense to average assets | 2.3404% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7807% | 619 |
| Return on assets (ROA) | 1.7807% | 695 |
| Pretax return on assets | 1.7807% | 1,119 |
| Return on Equity (ROE) | 21.2041% | 306 |
| Retained earnings to average equity (ytd only) | 1.5146% | 5,479 |
| Net charge-offs to loans | 0.1684% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,658 |
| Efficiency ratio | 56.7901% | 6,048 |
| Assets per employee ($millions) | 5.2597% | 1,920 |
| Cash dividends to net income (ytd only)* | 92.8571% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 6,572 |
| 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 | 90.5888% | 31 |
| Net loans and leases to deposits | 106.9910% | 187 |
| Net loans and leases to core deposits | 138.1997% | 158 |
| Total domestic deposits to total assets | 84.6695% | 4,175 |
| Equity capital to assets | 8.3846% | 6,190 |
| Core capital (leverage) ratio | 8.1763% | 6,061 |
| Tier 1 risk-based capital ratio | 10.0693% | 6,859 |
| Total risk-based capital ratio | 11.0435% | 6,920 |
| Memoranda: | ||
| Average total assets | $15,724,000 | 7,232 |
| Average earning assets | $14,729,000 | 7,213 |
| Average equity | $1,320,500 | 7,249 |
| Average total loans | $14,256,000 | 6,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 777 |
| Cost of funding earning assets | 1.4551% | 851 |
| Net interest margin | 4.2484% | 1,890 |
| Noninterest income to average assets | 0.2267% | 5,911 |
| Noninterest expense to average assets | 2.4694% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7647% | 496 |
| Return on assets (ROA) | 1.7647% | 530 |
| Pretax return on assets | 1.7647% | 867 |
| Return on Equity (ROE) | 21.4990% | 201 |
| Retained earnings to average equity (ytd only) | 2.0902% | 4,723 |
| Net charge-offs to loans | 0.0135% | 6,243 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 233 |
| Efficiency ratio | 58.3213% | 6,009 |
| Assets per employee ($millions) | 5.2230% | 1,913 |
| Cash dividends to net income (ytd only)* | 90.2778% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,393 |
| 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 | 89.0676% | 59 |
| Net loans and leases to deposits | 110.2718% | 167 |
| Net loans and leases to core deposits | 144.7868% | 153 |
| Total domestic deposits to total assets | 80.7709% | 5,519 |
| Equity capital to assets | 8.4115% | 6,240 |
| Core capital (leverage) ratio | 8.4688% | 5,614 |
| Tier 1 risk-based capital ratio | 10.0857% | 6,834 |
| Total risk-based capital ratio | 11.1111% | 6,882 |
| Memoranda: | ||
| Average total assets | $16,320,000 | 7,269 |
| Average earning assets | $15,394,200 | 7,245 |
| Average equity | $1,339,600 | 7,307 |
| Average total loans | $14,765,200 | 6,916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 792 |
| Cost of funding earning assets | 1.4600% | 991 |
| Net interest margin | 4.2777% | 1,799 |
| Noninterest income to average assets | 0.2346% | 5,944 |
| Noninterest expense to average assets | 2.3944% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8928% | 429 |
| Return on assets (ROA) | 1.8928% | 465 |
| Pretax return on assets | 1.8928% | 792 |
| Return on Equity (ROE) | 23.1963% | 184 |
| Retained earnings to average equity (ytd only) | 3.8662% | 3,977 |
| Net charge-offs to loans | 0.0089% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 234.5789% | 170 |
| Efficiency ratio | 55.8491% | 6,301 |
| Assets per employee ($millions) | 5.1823% | 1,952 |
| Cash dividends to net income (ytd only)* | 83.3328% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,451 |
| 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 | 90.3904% | 36 |
| Net loans and leases to deposits | 112.3970% | 152 |
| Net loans and leases to core deposits | 161.6960% | 108 |
| Total domestic deposits to total assets | 80.4207% | 5,616 |
| Equity capital to assets | 8.5483% | 6,251 |
| Core capital (leverage) ratio | 7.9183% | 6,470 |
| Tier 1 risk-based capital ratio | 9.9053% | 6,979 |
| Total risk-based capital ratio | 10.9115% | 7,027 |
| Memoranda: | ||
| Average total assets | $16,482,750 | 7,342 |
| Average earning assets | $15,615,500 | 7,315 |
| Average equity | $1,345,000 | 7,381 |
| Average total loans | $14,934,000 | 6,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 915 |
| Cost of funding earning assets | 1.4188% | 1,335 |
| Net interest margin | 4.2565% | 1,817 |
| Noninterest income to average assets | 0.2263% | 6,051 |
| Noninterest expense to average assets | 2.3579% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9054% | 405 |
| Return on assets (ROA) | 1.9054% | 436 |
| Pretax return on assets | 1.9054% | 702 |
| Return on Equity (ROE) | 23.6979% | 171 |
| Retained earnings to average equity (ytd only) | 14.0706% | 313 |
| Net charge-offs to loans | 0.0132% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 221 |
| Efficiency ratio | 55.3073% | 6,481 |
| Assets per employee ($millions) | 5.6427% | 1,452 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 6,683 |
| 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 | 88.7701% | 64 |
| Net loans and leases to deposits | 108.6394% | 202 |
| Net loans and leases to core deposits | 167.3013% | 107 |
| Total domestic deposits to total assets | 81.7108% | 5,271 |
| Equity capital to assets | 8.1817% | 6,531 |
| Core capital (leverage) ratio | 7.9465% | 6,361 |
| Tier 1 risk-based capital ratio | 9.6806% | 7,064 |
| Total risk-based capital ratio | 10.6242% | 7,125 |
| Memoranda: | ||
| Average total assets | $16,794,670 | 7,410 |
| Average earning assets | $15,928,670 | 7,384 |
| Average equity | $1,350,330 | 7,452 |
| Average total loans | $15,182,670 | 7,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 883 |
| Cost of funding earning assets | 1.3363% | 1,971 |
| Net interest margin | 4.3618% | 1,391 |
| Noninterest income to average assets | 0.3348% | 5,229 |
| Noninterest expense to average assets | 2.3912% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0803% | 313 |
| Return on assets (ROA) | 2.0803% | 327 |
| Pretax return on assets | 2.0803% | 490 |
| Return on Equity (ROE) | 26.1065% | 143 |
| Retained earnings to average equity (ytd only) | 26.1065% | 89 |
| Net charge-offs to loans | 0.0263% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 355 |
| Efficiency ratio | 53.4759% | 6,744 |
| Assets per employee ($millions) | 5.7923% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,709 |
| 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 | 85.9700% | 129 |
| Net loans and leases to deposits | 104.4466% | 299 |
| Net loans and leases to core deposits | 172.0290% | 105 |
| Total domestic deposits to total assets | 82.3099% | 5,186 |
| Equity capital to assets | 7.9185% | 6,577 |
| Core capital (leverage) ratio | 8.4776% | 5,498 |
| Tier 1 risk-based capital ratio | 9.8342% | 7,058 |
| Total risk-based capital ratio | 10.7990% | 7,138 |
| Memoranda: | ||
| Average total assets | $16,728,000 | 7,468 |
| Average earning assets | $15,865,000 | 7,440 |
| Average equity | $1,333,000 | 7,511 |
| Average total loans | $15,193,000 | 7,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0422% | 783 |
| Cost of funding earning assets | 1.5813% | 2,180 |
| Net interest margin | 4.4608% | 1,320 |
| Noninterest income to average assets | 0.3013% | 5,639 |
| Noninterest expense to average assets | 2.4677% | 5,899 |
| Loan and lease loss provision to assets | 0.0641% | 6,504 |
| Net operating income to assets | 1.9101% | 332 |
| Return on assets (ROA) | 1.9101% | 353 |
| Pretax return on assets | 1.9101% | 595 |
| Return on Equity (ROE) | 23.3140% | 130 |
| Retained earnings to average equity (ytd only) | 4.1465% | 2,946 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 6,646 |
| Assets per employee ($millions) | 5.3597% | 1,707 |
| Cash dividends to net income (ytd only)* | 82.2148% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,759 |
| 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 | 94.3840% | 8 |
| Net loans and leases to deposits | 124.8951% | 93 |
| Net loans and leases to core deposits | 178.5622% | 113 |
| Total domestic deposits to total assets | 75.5706% | 6,688 |
| Equity capital to assets | 8.0229% | 6,476 |
| Core capital (leverage) ratio | 8.0615% | 6,091 |
| Tier 1 risk-based capital ratio | 9.4147% | 7,157 |
| Total risk-based capital ratio | 10.4072% | 7,214 |
| Memoranda: | ||
| Average total assets | $15,601,400 | 7,561 |
| Average earning assets | $14,481,600 | 7,537 |
| Average equity | $1,278,200 | 7,607 |
| Average total loans | $14,545,600 | 7,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0757% | 798 |
| Cost of funding earning assets | 1.6494% | 2,109 |
| Net interest margin | 4.4263% | 1,441 |
| Noninterest income to average assets | 0.2928% | 5,787 |
| Noninterest expense to average assets | 2.4200% | 5,971 |
| Loan and lease loss provision to assets | 0.0861% | 6,181 |
| Net operating income to assets | 1.8774% | 429 |
| Return on assets (ROA) | 1.8774% | 475 |
| Pretax return on assets | 1.8774% | 804 |
| Return on Equity (ROE) | 22.7924% | 169 |
| Retained earnings to average equity (ytd only) | 5.0186% | 2,978 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2063% | 6,654 |
| Assets per employee ($millions) | 5.3267% | 1,799 |
| Cash dividends to net income (ytd only)* | 77.9811% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,750 |
| 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 | 93.8173% | 12 |
| Net loans and leases to deposits | 130.0937% | 68 |
| Net loans and leases to core deposits | 172.9780% | 117 |
| Total domestic deposits to total assets | 72.1151% | 7,118 |
| Equity capital to assets | 8.0413% | 6,766 |
| Core capital (leverage) ratio | 8.2957% | 5,877 |
| Tier 1 risk-based capital ratio | 9.3156% | 7,294 |
| Total risk-based capital ratio | 10.3016% | 7,370 |
| Memoranda: | ||
| Average total assets | $15,482,000 | 7,661 |
| Average earning assets | $14,308,000 | 7,635 |
| Average equity | $1,275,250 | 7,707 |
| Average total loans | $14,354,000 | 7,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1080% | 744 |
| Cost of funding earning assets | 1.7472% | 1,883 |
| Net interest margin | 4.3608% | 1,562 |
| Noninterest income to average assets | 0.2873% | 5,849 |
| Noninterest expense to average assets | 2.4419% | 5,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8543% | 443 |
| Return on assets (ROA) | 1.8543% | 484 |
| Pretax return on assets | 1.8543% | 809 |
| Return on Equity (ROE) | 22.3270% | 197 |
| Retained earnings to average equity (ytd only) | 14.4654% | 281 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8389% | 6,529 |
| Assets per employee ($millions) | 5.2427% | 1,876 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,906 |
| Loan loss allowance to noncurrent loans | 12,600.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,408 |
| Noncurrent loans to loans | 0.0067% | 7,321 |
| Net loans and leases to total assets | 93.4130% | 17 |
| Net loans and leases to deposits | 134.8508% | 62 |
| Net loans and leases to core deposits | 182.1247% | 116 |
| Total domestic deposits to total assets | 69.2714% | 7,374 |
| Equity capital to assets | 8.4499% | 6,231 |
| Core capital (leverage) ratio | 8.9652% | 4,662 |
| Tier 1 risk-based capital ratio | 9.7865% | 7,142 |
| Total risk-based capital ratio | 10.7143% | 7,281 |
| Memoranda: | ||
| Average total assets | $15,316,000 | 7,726 |
| Average earning assets | $14,080,000 | 7,704 |
| Average equity | $1,272,000 | 7,773 |
| Average total loans | $14,096,000 | 7,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 903 |
| Cost of funding earning assets | 1.8876% | 1,500 |
| Net interest margin | 4.1528% | 2,216 |
| Noninterest income to average assets | 0.3177% | 5,604 |
| Noninterest expense to average assets | 2.4355% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6678% | 659 |
| Return on assets (ROA) | 1.6678% | 709 |
| Pretax return on assets | 1.6678% | 1,125 |
| Return on Equity (ROE) | 20.2654% | 365 |
| Retained earnings to average equity (ytd only) | 4.1817% | 3,636 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3548% | 6,281 |
| Assets per employee ($millions) | 4.9457% | 2,306 |
| Cash dividends to net income (ytd only)* | 79.3651% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 91.1101% | 46 |
| Net loans and leases to deposits | 118.6414% | 154 |
| Net loans and leases to core deposits | 157.8099% | 197 |
| Total domestic deposits to total assets | 76.7945% | 6,597 |
| Equity capital to assets | 8.4249% | 6,118 |
| Core capital (leverage) ratio | 8.2351% | 5,855 |
| Tier 1 risk-based capital ratio | 10.4227% | 6,702 |
| Total risk-based capital ratio | 11.4734% | 6,860 |
| Memoranda: | ||
| Average total assets | $15,110,000 | 7,829 |
| Average earning assets | $13,774,000 | 7,813 |
| Average equity | $1,243,500 | 7,861 |
| Average total loans | $13,735,000 | 7,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4028% | 823 |
| Cost of funding earning assets | 2.2192% | 1,946 |
| Net interest margin | 4.1835% | 2,125 |
| Noninterest income to average assets | 0.3961% | 5,233 |
| Noninterest expense to average assets | 2.5064% | 6,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7005% | 438 |
| Return on assets (ROA) | 1.7005% | 466 |
| Pretax return on assets | 1.7005% | 777 |
| Return on Equity (ROE) | 20.6092% | 214 |
| Retained earnings to average equity (ytd only) | 5.2971% | 1,676 |
| Net charge-offs to loans | 0.0300% | 6,829 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 436 |
| Efficiency ratio | 59.5779% | 6,546 |
| Assets per employee ($millions) | 5.1277% | 2,045 |
| Cash dividends to net income (ytd only)* | 74.2972% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,765 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,497 |
| Noncurrent loans to loans | 0.0145% | 7,400 |
| Net loans and leases to total assets | 89.0594% | 126 |
| Net loans and leases to deposits | 119.6193% | 180 |
| Net loans and leases to core deposits | 191.3141% | 125 |
| Total domestic deposits to total assets | 74.4523% | 6,954 |
| Equity capital to assets | 8.0413% | 6,536 |
| Core capital (leverage) ratio | 8.1141% | 5,965 |
| Tier 1 risk-based capital ratio | 9.5381% | 7,201 |
| Total risk-based capital ratio | 10.5097% | 7,351 |
| Memoranda: | ||
| Average total assets | $14,642,600 | 7,902 |
| Average earning assets | $13,338,000 | 7,891 |
| Average equity | $1,208,200 | 7,962 |
| Average total loans | $13,345,400 | 7,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3905% | 943 |
| Cost of funding earning assets | 2.3294% | 1,878 |
| Net interest margin | 4.0611% | 2,543 |
| Noninterest income to average assets | 0.4335% | 5,011 |
| Noninterest expense to average assets | 2.4347% | 6,293 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6969% | 563 |
| Return on assets (ROA) | 1.6969% | 591 |
| Pretax return on assets | 1.6969% | 975 |
| Return on Equity (ROE) | 20.4271% | 287 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,232 |
| Net charge-offs to loans | 0.0403% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 46.0281% | 681 |
| Efficiency ratio | 58.9286% | 6,573 |
| Assets per employee ($millions) | 4.9330% | 2,225 |
| Cash dividends to net income (ytd only)* | 73.3706% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 94.6348% | 16 |
| Net loans and leases to deposits | 130.4247% | 107 |
| Net loans and leases to core deposits | 212.4867% | 82 |
| Total domestic deposits to total assets | 72.5590% | 7,138 |
| Equity capital to assets | 8.2573% | 6,550 |
| Core capital (leverage) ratio | 8.2312% | 5,961 |
| Tier 1 risk-based capital ratio | 9.8636% | 7,090 |
| Total risk-based capital ratio | 10.8806% | 7,248 |
| Memoranda: | ||
| Average total assets | $14,457,500 | 7,989 |
| Average earning assets | $13,165,000 | 7,976 |
| Average equity | $1,201,000 | 8,047 |
| Average total loans | $13,225,250 | 7,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3174% | 1,162 |
| Cost of funding earning assets | 2.3749% | 2,062 |
| Net interest margin | 3.9426% | 2,921 |
| Noninterest income to average assets | 0.4183% | 5,131 |
| Noninterest expense to average assets | 2.5098% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4501% | 931 |
| Return on assets (ROA) | 1.4501% | 994 |
| Pretax return on assets | 1.4501% | 1,589 |
| Return on Equity (ROE) | 17.4204% | 539 |
| Retained earnings to average equity (ytd only) | 9.8827% | 759 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3803% | 6,026 |
| Assets per employee ($millions) | 4.8453% | 2,266 |
| Cash dividends to net income (ytd only)* | 43.2692% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 93.2375% | 37 |
| Net loans and leases to deposits | 131.7232% | 106 |
| Net loans and leases to core deposits | 196.0226% | 136 |
| Total domestic deposits to total assets | 70.7829% | 7,394 |
| Equity capital to assets | 8.4755% | 6,085 |
| Core capital (leverage) ratio | 8.5985% | 5,265 |
| Tier 1 risk-based capital ratio | 10.2292% | 6,678 |
| Total risk-based capital ratio | 11.3085% | 6,787 |
| Memoranda: | ||
| Average total assets | $14,343,670 | 8,081 |
| Average earning assets | $12,885,000 | 8,069 |
| Average equity | $1,194,000 | 8,135 |
| Average total loans | $12,923,330 | 7,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2146% | 1,555 |
| Cost of funding earning assets | 2.5815% | 1,621 |
| Net interest margin | 3.6332% | 4,177 |
| Noninterest income to average assets | 0.4211% | 5,040 |
| Noninterest expense to average assets | 2.2460% | 6,709 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3757% | 1,192 |
| Return on assets (ROA) | 1.3757% | 1,283 |
| Pretax return on assets | 1.3757% | 2,039 |
| Return on Equity (ROE) | 16.6809% | 727 |
| Retained earnings to average equity (ytd only) | 1.3617% | 5,089 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0155% | 6,045 |
| Assets per employee ($millions) | 4.9327% | 2,138 |
| Cash dividends to net income (ytd only)* | 91.8367% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 83.4505% | 780 |
| Net loans and leases to deposits | 107.1404% | 776 |
| Net loans and leases to core deposits | 166.5857% | 401 |
| Total domestic deposits to total assets | 77.8889% | 6,052 |
| Equity capital to assets | 7.9538% | 6,880 |
| Core capital (leverage) ratio | 8.2515% | 5,999 |
| Tier 1 risk-based capital ratio | 10.7117% | 6,174 |
| Total risk-based capital ratio | 11.8948% | 6,161 |
| Memoranda: | ||
| Average total assets | $14,247,500 | 8,136 |
| Average earning assets | $12,551,000 | 8,126 |
| Average equity | $1,175,000 | 8,189 |
| Average total loans | $12,543,500 | 7,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3781% | 517 |
| Cost of funding earning assets | 3.1758% | 1,268 |
| Net interest margin | 4.2024% | 2,302 |
| Noninterest income to average assets | 0.3954% | 5,509 |
| Noninterest expense to average assets | 2.5388% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8035% | 552 |
| Return on assets (ROA) | 1.8035% | 526 |
| Pretax return on assets | 1.8035% | 939 |
| Return on Equity (ROE) | 21.6992% | 269 |
| Retained earnings to average equity (ytd only) | 0.8346% | 4,723 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4665% | 6,609 |
| Assets per employee ($millions) | 4.5657% | 2,519 |
| Cash dividends to net income (ytd only)* | 96.1538% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 91.1002% | 126 |
| Net loans and leases to deposits | 119.7620% | 392 |
| Net loans and leases to core deposits | 194.5129% | 190 |
| Total domestic deposits to total assets | 76.0678% | 6,222 |
| Equity capital to assets | 8.5639% | 5,990 |
| Core capital (leverage) ratio | 8.4207% | 5,712 |
| Tier 1 risk-based capital ratio | 10.8250% | 5,882 |
| Total risk-based capital ratio | 12.0247% | 5,841 |
| Memoranda: | ||
| Average total assets | $14,416,400 | 8,178 |
| Average earning assets | $13,540,000 | 8,153 |
| Average equity | $1,198,200 | 8,251 |
| Average total loans | $13,450,000 | 7,741 |