Home > The First National Bank of Girard > Performance and Condition Ratios
The First National Bank of Girard, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 3,615 |
| Cost of funding earning assets | 0.7629% | 2,717 |
| Net interest margin | 3.5168% | 3,552 |
| Noninterest income to average assets | -0.2479% | 5,343 |
| Noninterest expense to average assets | 2.6673% | 3,006 |
| Loan and lease loss provision to assets | 0.2479% | 588 |
| Net operating income to assets | -0.4462% | 5,246 |
| Return on assets (ROA) | -0.4462% | 5,241 |
| Pretax return on assets | 0.1735% | 5,051 |
| Return on Equity (ROE) | -4.0902% | 5,255 |
| Retained earnings to average equity (ytd only) | -12.0434% | 5,159 |
| Net charge-offs to loans | 0.5826% | 255 |
| Credit loss provision to net charge-offs | 70.4225% | 1,846 |
| Earnings coverage of net charge-offs (x) | 1.1972% | 2,613 |
| Efficiency ratio | 86.3563% | 560 |
| Assets per employee ($millions) | 7.1882% | 921 |
| Cash dividends to net income (ytd only)* | -194.4444% | 5,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,314 |
| Loan loss allowance to noncurrent loans | 378.2383% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,214 |
| Noncurrent loans to loans | 0.3987% | 3,161 |
| Net loans and leases to total assets | 60.2909% | 3,673 |
| Net loans and leases to deposits | 73.7101% | 3,474 |
| Net loans and leases to core deposits | 78.5694% | 3,481 |
| Total domestic deposits to total assets | 81.7946% | 3,780 |
| Equity capital to assets | 11.0952% | 2,750 |
| Core capital (leverage) ratio | 11.0007% | 2,575 |
| Tier 1 risk-based capital ratio | 18.6234% | 1,626 |
| Total risk-based capital ratio | 19.8766% | 1,590 |
| Memoranda: | ||
| Average total assets | $80,681,500 | 4,408 |
| Average earning assets | $76,546,000 | 4,361 |
| Average equity | $8,801,500 | 4,499 |
| Average total loans | $48,745,000 | 4,330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,626 |
| Cost of funding earning assets | 0.6346% | 2,494 |
| Net interest margin | 3.5039% | 3,692 |
| Noninterest income to average assets | 0.2079% | 4,675 |
| Noninterest expense to average assets | 2.5031% | 3,604 |
| Loan and lease loss provision to assets | 0.2190% | 826 |
| Net operating income to assets | 0.8352% | 3,674 |
| Return on assets (ROA) | 0.8352% | 3,670 |
| Pretax return on assets | 0.8402% | 4,070 |
| Return on Equity (ROE) | 7.6696% | 3,588 |
| Retained earnings to average equity (ytd only) | 0.9090% | 4,734 |
| Net charge-offs to loans | 0.4277% | 429 |
| Credit loss provision to net charge-offs | 83.4906% | 2,813 |
| Earnings coverage of net charge-offs (x) | 4.0377% | 3,344 |
| Efficiency ratio | 70.2675% | 2,137 |
| Assets per employee ($millions) | 6.8578% | 1,046 |
| Cash dividends to net income (ytd only)* | 88.1481% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,194 |
| Loan loss allowance to noncurrent loans | 281.6479% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 2,494 |
| Noncurrent loans to loans | 0.5439% | 2,643 |
| Net loans and leases to total assets | 58.7365% | 3,900 |
| Net loans and leases to deposits | 71.3963% | 3,719 |
| Net loans and leases to core deposits | 76.4798% | 3,680 |
| Total domestic deposits to total assets | 82.2682% | 3,564 |
| Equity capital to assets | 10.7300% | 2,946 |
| Core capital (leverage) ratio | 11.2463% | 2,311 |
| Tier 1 risk-based capital ratio | 18.5673% | 1,603 |
| Total risk-based capital ratio | 19.8209% | 1,553 |
| Memoranda: | ||
| Average total assets | $80,818,400 | 4,421 |
| Average earning assets | $77,370,000 | 4,360 |
| Average equity | $8,801,000 | 4,484 |
| Average total loans | $49,568,800 | 4,325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,608 |
| Cost of funding earning assets | 0.5958% | 2,501 |
| Net interest margin | 3.5125% | 3,650 |
| Noninterest income to average assets | 0.2138% | 4,686 |
| Noninterest expense to average assets | 2.4661% | 3,686 |
| Loan and lease loss provision to assets | 0.1574% | 1,236 |
| Net operating income to assets | 0.9215% | 3,427 |
| Return on assets (ROA) | 0.9215% | 3,428 |
| Pretax return on assets | 0.9612% | 3,847 |
| Return on Equity (ROE) | 8.4300% | 3,366 |
| Retained earnings to average equity (ytd only) | 1.3039% | 4,778 |
| Net charge-offs to loans | 0.2066% | 821 |
| Credit loss provision to net charge-offs | 123.3766% | 1,954 |
| Earnings coverage of net charge-offs (x) | 8.7666% | 2,680 |
| Efficiency ratio | 68.7933% | 2,388 |
| Assets per employee ($millions) | 6.6379% | 1,120 |
| Cash dividends to net income (ytd only)* | 84.5328% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 979 |
| Loan loss allowance to noncurrent loans | 211.0236% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,011 |
| Noncurrent loans to loans | 0.7786% | 2,147 |
| Net loans and leases to total assets | 60.4206% | 3,803 |
| Net loans and leases to deposits | 75.5660% | 3,448 |
| Net loans and leases to core deposits | 81.3110% | 3,379 |
| Total domestic deposits to total assets | 79.9573% | 4,133 |
| Equity capital to assets | 11.0313% | 2,633 |
| Core capital (leverage) ratio | 11.3199% | 2,320 |
| Tier 1 risk-based capital ratio | 18.5010% | 1,672 |
| Total risk-based capital ratio | 19.7560% | 1,624 |
| Memoranda: | ||
| Average total assets | $80,449,750 | 4,464 |
| Average earning assets | $77,209,000 | 4,406 |
| Average equity | $8,793,750 | 4,526 |
| Average total loans | $49,689,000 | 4,370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,682 |
| Cost of funding earning assets | 0.5704% | 2,431 |
| Net interest margin | 3.4610% | 3,761 |
| Noninterest income to average assets | 0.2280% | 4,657 |
| Noninterest expense to average assets | 2.4432% | 3,792 |
| Loan and lease loss provision to assets | 0.2106% | 800 |
| Net operating income to assets | 0.8747% | 3,564 |
| Return on assets (ROA) | 0.8747% | 3,567 |
| Pretax return on assets | 0.9119% | 3,931 |
| Return on Equity (ROE) | 8.0264% | 3,496 |
| Retained earnings to average equity (ytd only) | 0.1819% | 4,922 |
| Net charge-offs to loans | 0.2803% | 571 |
| Credit loss provision to net charge-offs | 121.4286% | 1,788 |
| Earnings coverage of net charge-offs (x) | 6.4714% | 2,622 |
| Efficiency ratio | 68.5198% | 2,554 |
| Assets per employee ($millions) | 6.2337% | 1,314 |
| Cash dividends to net income (ytd only)* | 97.7337% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,024 |
| Loan loss allowance to noncurrent loans | 190.0238% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 1,909 |
| Noncurrent loans to loans | 0.8589% | 2,006 |
| Net loans and leases to total assets | 59.5005% | 3,852 |
| Net loans and leases to deposits | 71.4934% | 3,750 |
| Net loans and leases to core deposits | 76.2412% | 3,729 |
| Total domestic deposits to total assets | 83.2252% | 3,348 |
| Equity capital to assets | 10.8159% | 2,823 |
| Core capital (leverage) ratio | 11.3061% | 2,249 |
| Tier 1 risk-based capital ratio | 18.8291% | 1,594 |
| Total risk-based capital ratio | 20.0848% | 1,553 |
| Memoranda: | ||
| Average total assets | $80,714,670 | 4,506 |
| Average earning assets | $77,839,330 | 4,442 |
| Average equity | $8,796,000 | 4,564 |
| Average total loans | $49,941,330 | 4,403 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,514 |
| Cost of funding earning assets | 0.5511% | 2,398 |
| Net interest margin | 3.4763% | 3,626 |
| Noninterest income to average assets | 0.2284% | 4,643 |
| Noninterest expense to average assets | 2.4977% | 3,650 |
| Loan and lease loss provision to assets | 0.0298% | 3,117 |
| Net operating income to assets | 1.0080% | 2,826 |
| Return on assets (ROA) | 1.0080% | 2,846 |
| Pretax return on assets | 1.0527% | 3,347 |
| Return on Equity (ROE) | 9.2152% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.2711% | 4,552 |
| Net charge-offs to loans | 0.0238% | 2,027 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 749 |
| Efficiency ratio | 69.7642% | 2,521 |
| Assets per employee ($millions) | 7.2262% | 876 |
| Cash dividends to net income (ytd only)* | 86.2069% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,150 |
| Loan loss allowance to noncurrent loans | 222.8814% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 2,334 |
| Noncurrent loans to loans | 0.7188% | 2,415 |
| Net loans and leases to total assets | 60.9664% | 3,653 |
| Net loans and leases to deposits | 73.7790% | 3,431 |
| Net loans and leases to core deposits | 77.8065% | 3,508 |
| Total domestic deposits to total assets | 82.6339% | 3,774 |
| Equity capital to assets | 11.0633% | 2,521 |
| Core capital (leverage) ratio | 11.1151% | 2,323 |
| Tier 1 risk-based capital ratio | 18.2548% | 1,760 |
| Total risk-based capital ratio | 19.5092% | 1,720 |
| Memoranda: | ||
| Average total assets | $80,553,000 | 4,555 |
| Average earning assets | $77,668,000 | 4,496 |
| Average equity | $8,811,500 | 4,609 |
| Average total loans | $50,403,000 | 4,436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 3,414 |
| Cost of funding earning assets | 0.5135% | 2,221 |
| Net interest margin | 3.4826% | 3,582 |
| Noninterest income to average assets | 0.1908% | 5,002 |
| Noninterest expense to average assets | 2.5132% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9766% | 2,339 |
| Return on assets (ROA) | 0.9766% | 2,381 |
| Pretax return on assets | 1.0190% | 3,498 |
| Return on Equity (ROE) | 8.8971% | 2,357 |
| Retained earnings to average equity (ytd only) | 2.1930% | 4,008 |
| Net charge-offs to loans | 0.0767% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,901 |
| Efficiency ratio | 71.1511% | 2,368 |
| Assets per employee ($millions) | 7.4198% | 802 |
| Cash dividends to net income (ytd only)* | 75.3512% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,322 |
| Loan loss allowance to noncurrent loans | 226.8012% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,416 |
| Noncurrent loans to loans | 0.6731% | 2,531 |
| Net loans and leases to total assets | 62.2032% | 3,590 |
| Net loans and leases to deposits | 75.0654% | 3,425 |
| Net loans and leases to core deposits | 79.0388% | 3,502 |
| Total domestic deposits to total assets | 82.8653% | 3,605 |
| Equity capital to assets | 10.8175% | 2,821 |
| Core capital (leverage) ratio | 10.9985% | 2,340 |
| Tier 1 risk-based capital ratio | 17.6903% | 1,891 |
| Total risk-based capital ratio | 18.9435% | 1,838 |
| Memoranda: | ||
| Average total assets | $80,177,800 | 4,590 |
| Average earning assets | $76,925,000 | 4,523 |
| Average equity | $8,800,600 | 4,646 |
| Average total loans | $49,536,400 | 4,471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,452 |
| Cost of funding earning assets | 0.5039% | 2,233 |
| Net interest margin | 3.4695% | 3,601 |
| Noninterest income to average assets | 0.2188% | 4,914 |
| Noninterest expense to average assets | 2.4589% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0423% | 2,363 |
| Return on assets (ROA) | 1.0423% | 2,401 |
| Pretax return on assets | 1.0841% | 3,365 |
| Return on Equity (ROE) | 9.4613% | 2,374 |
| Retained earnings to average equity (ytd only) | 2.3350% | 4,478 |
| Net charge-offs to loans | 0.0952% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.5410% | 2,040 |
| Efficiency ratio | 69.4012% | 2,633 |
| Assets per employee ($millions) | 7.2712% | 838 |
| Cash dividends to net income (ytd only)* | 75.3203% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,204 |
| Loan loss allowance to noncurrent loans | 548.6111% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 3,374 |
| Noncurrent loans to loans | 0.2943% | 3,884 |
| Net loans and leases to total assets | 60.1965% | 3,837 |
| Net loans and leases to deposits | 73.2686% | 3,640 |
| Net loans and leases to core deposits | 77.2664% | 3,703 |
| Total domestic deposits to total assets | 82.1587% | 3,722 |
| Equity capital to assets | 11.1574% | 2,710 |
| Core capital (leverage) ratio | 11.1501% | 2,321 |
| Tier 1 risk-based capital ratio | 18.4865% | 1,734 |
| Total risk-based capital ratio | 19.7415% | 1,687 |
| Memoranda: | ||
| Average total assets | $79,817,750 | 4,634 |
| Average earning assets | $76,473,250 | 4,575 |
| Average equity | $8,793,500 | 4,696 |
| Average total loans | $49,031,500 | 4,527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,439 |
| Cost of funding earning assets | 0.4842% | 2,294 |
| Net interest margin | 3.4494% | 3,591 |
| Noninterest income to average assets | 0.1931% | 5,083 |
| Noninterest expense to average assets | 2.4849% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9729% | 2,557 |
| Return on assets (ROA) | 0.9729% | 2,601 |
| Pretax return on assets | 1.0130% | 3,514 |
| Return on Equity (ROE) | 8.8686% | 2,572 |
| Retained earnings to average equity (ytd only) | 1.0971% | 4,805 |
| Net charge-offs to loans | 0.0204% | 2,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 761 |
| Efficiency ratio | 71.0394% | 2,505 |
| Assets per employee ($millions) | 7.2687% | 822 |
| Cash dividends to net income (ytd only)* | 87.6289% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 1,133 |
| Loan loss allowance to noncurrent loans | 456.9832% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,201 |
| Noncurrent loans to loans | 0.3629% | 3,727 |
| Net loans and leases to total assets | 60.6696% | 3,770 |
| Net loans and leases to deposits | 74.4837% | 3,494 |
| Net loans and leases to core deposits | 78.5864% | 3,544 |
| Total domestic deposits to total assets | 81.4535% | 4,058 |
| Equity capital to assets | 11.0398% | 2,764 |
| Core capital (leverage) ratio | 11.2210% | 2,205 |
| Tier 1 risk-based capital ratio | 18.1705% | 1,805 |
| Total risk-based capital ratio | 19.4253% | 1,767 |
| Memoranda: | ||
| Average total assets | $79,762,670 | 4,668 |
| Average earning assets | $76,419,330 | 4,604 |
| Average equity | $8,750,000 | 4,730 |
| Average total loans | $49,063,000 | 4,551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 3,379 |
| Cost of funding earning assets | 0.4869% | 2,189 |
| Net interest margin | 3.4184% | 3,582 |
| Noninterest income to average assets | 0.2059% | 5,039 |
| Noninterest expense to average assets | 2.5155% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9289% | 2,622 |
| Return on assets (ROA) | 0.9289% | 2,674 |
| Pretax return on assets | 0.9690% | 3,499 |
| Return on Equity (ROE) | 8.4945% | 2,678 |
| Retained earnings to average equity (ytd only) | 0.6887% | 4,751 |
| Net charge-offs to loans | 0.1553% | 1,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.1579% | 1,955 |
| Efficiency ratio | 72.1902% | 2,538 |
| Assets per employee ($millions) | 5.9874% | 1,516 |
| Cash dividends to net income (ytd only)* | 91.8919% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,216 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,105 |
| Noncurrent loans to loans | 0.3206% | 3,974 |
| Net loans and leases to total assets | 61.0874% | 3,650 |
| Net loans and leases to deposits | 74.3798% | 3,366 |
| Net loans and leases to core deposits | 78.2387% | 3,445 |
| Total domestic deposits to total assets | 82.1291% | 4,137 |
| Equity capital to assets | 11.2429% | 2,391 |
| Core capital (leverage) ratio | 11.0249% | 2,338 |
| Tier 1 risk-based capital ratio | 18.5435% | 1,732 |
| Total risk-based capital ratio | 19.7971% | 1,688 |
| Memoranda: | ||
| Average total assets | $79,666,000 | 4,719 |
| Average earning assets | $76,409,000 | 4,644 |
| Average equity | $8,711,500 | 4,766 |
| Average total loans | $48,931,000 | 4,591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 2,932 |
| Cost of funding earning assets | 0.4854% | 2,204 |
| Net interest margin | 3.5928% | 3,091 |
| Noninterest income to average assets | 0.2082% | 5,170 |
| Noninterest expense to average assets | 2.6474% | 3,535 |
| Loan and lease loss provision to assets | 0.0114% | 4,151 |
| Net operating income to assets | 0.9722% | 2,482 |
| Return on assets (ROA) | 0.9868% | 2,508 |
| Pretax return on assets | 1.0297% | 3,370 |
| Return on Equity (ROE) | 8.9591% | 2,442 |
| Retained earnings to average equity (ytd only) | 2.2569% | 4,250 |
| Net charge-offs to loans | 0.0080% | 3,987 |
| Credit loss provision to net charge-offs | 225.0000% | 1,274 |
| Earnings coverage of net charge-offs (x) | 203.2500% | 336 |
| Efficiency ratio | 72.0715% | 2,577 |
| Assets per employee ($millions) | 5.8211% | 1,605 |
| Cash dividends to net income (ytd only)* | 74.8082% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 1,216 |
| Loan loss allowance to noncurrent loans | 509.2593% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 3,196 |
| Noncurrent loans to loans | 0.3272% | 3,972 |
| Net loans and leases to total assets | 59.7367% | 3,883 |
| Net loans and leases to deposits | 73.2395% | 3,589 |
| Net loans and leases to core deposits | 77.3298% | 3,618 |
| Total domestic deposits to total assets | 81.5635% | 4,191 |
| Equity capital to assets | 10.6410% | 2,989 |
| Core capital (leverage) ratio | 11.1223% | 2,235 |
| Tier 1 risk-based capital ratio | 17.8978% | 1,881 |
| Total risk-based capital ratio | 19.1528% | 1,838 |
| Memoranda: | ||
| Average total assets | $79,247,800 | 4,746 |
| Average earning assets | $76,430,000 | 4,662 |
| Average equity | $8,728,600 | 4,797 |
| Average total loans | $49,710,000 | 4,585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,687 |
| Cost of funding earning assets | 0.4846% | 2,217 |
| Net interest margin | 3.6641% | 2,848 |
| Noninterest income to average assets | 0.2135% | 5,184 |
| Noninterest expense to average assets | 2.5705% | 3,763 |
| Loan and lease loss provision to assets | 0.0153% | 3,942 |
| Net operating income to assets | 1.1192% | 1,921 |
| Return on assets (ROA) | 1.1387% | 1,956 |
| Pretax return on assets | 1.1844% | 2,894 |
| Return on Equity (ROE) | 10.2483% | 1,950 |
| Retained earnings to average equity (ytd only) | 3.1568% | 4,024 |
| Net charge-offs to loans | 0.0107% | 3,555 |
| Credit loss provision to net charge-offs | 225.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 174.1051% | 413 |
| Efficiency ratio | 68.5495% | 3,129 |
| Assets per employee ($millions) | 5.0479% | 2,314 |
| Cash dividends to net income (ytd only)* | 69.1957% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,291 |
| Loan loss allowance to noncurrent loans | 445.4054% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 3,151 |
| Noncurrent loans to loans | 0.3747% | 3,922 |
| Net loans and leases to total assets | 64.1221% | 3,384 |
| Net loans and leases to deposits | 80.9767% | 2,856 |
| Net loans and leases to core deposits | 85.9860% | 2,950 |
| Total domestic deposits to total assets | 79.1859% | 4,678 |
| Equity capital to assets | 11.6960% | 2,359 |
| Core capital (leverage) ratio | 11.1577% | 2,306 |
| Tier 1 risk-based capital ratio | 18.3370% | 1,823 |
| Total risk-based capital ratio | 19.5919% | 1,792 |
| Memoranda: | ||
| Average total assets | $78,685,750 | 4,791 |
| Average earning assets | $75,942,750 | 4,718 |
| Average equity | $8,742,750 | 4,847 |
| Average total loans | $49,760,500 | 4,623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 2,712 |
| Cost of funding earning assets | 0.4787% | 2,282 |
| Net interest margin | 3.6628% | 2,850 |
| Noninterest income to average assets | 0.2234% | 5,152 |
| Noninterest expense to average assets | 2.4901% | 4,058 |
| Loan and lease loss provision to assets | 0.0226% | 3,676 |
| Net operating income to assets | 1.1986% | 1,608 |
| Return on assets (ROA) | 1.2275% | 1,604 |
| Pretax return on assets | 1.2752% | 2,503 |
| Return on Equity (ROE) | 11.2349% | 1,559 |
| Retained earnings to average equity (ytd only) | 3.5382% | 3,639 |
| Net charge-offs to loans | -0.0441% | 5,316 |
| Credit loss provision to net charge-offs | -81.8182% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2659% | 3,642 |
| Assets per employee ($millions) | 4.9898% | 2,309 |
| Cash dividends to net income (ytd only)* | 68.5072% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 1,329 |
| Loan loss allowance to noncurrent loans | 330.3150% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,975 |
| Noncurrent loans to loans | 0.5071% | 3,563 |
| Net loans and leases to total assets | 61.6915% | 3,658 |
| Net loans and leases to deposits | 76.8350% | 3,289 |
| Net loans and leases to core deposits | 81.5444% | 3,311 |
| Total domestic deposits to total assets | 80.2908% | 4,480 |
| Equity capital to assets | 11.0802% | 2,970 |
| Core capital (leverage) ratio | 10.8711% | 2,563 |
| Tier 1 risk-based capital ratio | 17.6833% | 2,020 |
| Total risk-based capital ratio | 18.9374% | 1,975 |
| Memoranda: | ||
| Average total assets | $79,675,000 | 4,826 |
| Average earning assets | $76,882,000 | 4,734 |
| Average equity | $8,705,000 | 4,890 |
| Average total loans | $49,888,670 | 4,650 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,620 |
| Cost of funding earning assets | 0.4738% | 2,334 |
| Net interest margin | 3.6863% | 2,722 |
| Noninterest income to average assets | 0.2211% | 5,156 |
| Noninterest expense to average assets | 2.5278% | 3,988 |
| Loan and lease loss provision to assets | 0.0151% | 3,491 |
| Net operating income to assets | 1.1928% | 1,584 |
| Return on assets (ROA) | 1.2513% | 1,501 |
| Pretax return on assets | 1.2966% | 2,320 |
| Return on Equity (ROE) | 11.5351% | 1,450 |
| Retained earnings to average equity (ytd only) | 3.6597% | 3,664 |
| Net charge-offs to loans | -0.1285% | 5,730 |
| Credit loss provision to net charge-offs | -18.7500% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8883% | 3,650 |
| Assets per employee ($millions) | 5.2285% | 2,108 |
| Cash dividends to net income (ytd only)* | 68.2731% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 1,378 |
| Loan loss allowance to noncurrent loans | 300.3584% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 3,006 |
| Noncurrent loans to loans | 0.5645% | 3,494 |
| Net loans and leases to total assets | 61.9493% | 3,537 |
| Net loans and leases to deposits | 77.5029% | 3,054 |
| Net loans and leases to core deposits | 81.2621% | 3,207 |
| Total domestic deposits to total assets | 79.9317% | 4,762 |
| Equity capital to assets | 11.1033% | 2,823 |
| Core capital (leverage) ratio | 10.6435% | 2,804 |
| Tier 1 risk-based capital ratio | 17.6999% | 2,067 |
| Total risk-based capital ratio | 18.9538% | 2,031 |
| Memoranda: | ||
| Average total assets | $79,594,500 | 4,865 |
| Average earning assets | $76,824,500 | 4,778 |
| Average equity | $8,634,500 | 4,929 |
| Average total loans | $49,787,500 | 4,681 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,354 |
| Cost of funding earning assets | 0.4217% | 2,923 |
| Net interest margin | 3.5665% | 3,249 |
| Noninterest income to average assets | 0.2317% | 5,206 |
| Noninterest expense to average assets | 2.4805% | 4,288 |
| Loan and lease loss provision to assets | 0.0302% | 3,766 |
| Net operating income to assets | 1.1232% | 1,826 |
| Return on assets (ROA) | 1.1232% | 1,889 |
| Pretax return on assets | 1.1710% | 2,767 |
| Return on Equity (ROE) | 10.5582% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.1604% | 3,805 |
| Net charge-offs to loans | 0.1093% | 2,286 |
| Credit loss provision to net charge-offs | 45.2830% | 3,469 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,040 |
| Efficiency ratio | 67.3735% | 3,680 |
| Assets per employee ($millions) | 5.3841% | 1,918 |
| Cash dividends to net income (ytd only)* | 70.0673% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,518 |
| Loan loss allowance to noncurrent loans | 235.3448% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 2,919 |
| Noncurrent loans to loans | 0.6939% | 3,114 |
| Net loans and leases to total assets | 61.0844% | 3,681 |
| Net loans and leases to deposits | 73.9326% | 3,505 |
| Net loans and leases to core deposits | 77.2917% | 3,629 |
| Total domestic deposits to total assets | 82.6218% | 3,967 |
| Equity capital to assets | 10.6003% | 3,248 |
| Core capital (leverage) ratio | 10.7609% | 2,649 |
| Tier 1 risk-based capital ratio | 17.0869% | 2,249 |
| Total risk-based capital ratio | 18.3405% | 2,207 |
| Memoranda: | ||
| Average total assets | $79,419,400 | 4,887 |
| Average earning assets | $76,825,200 | 4,791 |
| Average equity | $8,448,400 | 4,971 |
| Average total loans | $48,482,600 | 4,718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,472 |
| Cost of funding earning assets | 0.4166% | 3,048 |
| Net interest margin | 3.5507% | 3,336 |
| Noninterest income to average assets | 0.2276% | 5,289 |
| Noninterest expense to average assets | 2.4126% | 4,473 |
| Loan and lease loss provision to assets | 0.0202% | 3,871 |
| Net operating income to assets | 1.1835% | 1,700 |
| Return on assets (ROA) | 1.1835% | 1,772 |
| Pretax return on assets | 1.2291% | 2,699 |
| Return on Equity (ROE) | 11.1158% | 1,663 |
| Retained earnings to average equity (ytd only) | 3.1986% | 4,185 |
| Net charge-offs to loans | 0.1387% | 1,739 |
| Credit loss provision to net charge-offs | 24.0000% | 3,331 |
| Earnings coverage of net charge-offs (x) | 14.8190% | 2,226 |
| Efficiency ratio | 65.8840% | 3,906 |
| Assets per employee ($millions) | 5.1655% | 2,101 |
| Cash dividends to net income (ytd only)* | 71.2248% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 1,455 |
| Loan loss allowance to noncurrent loans | 307.9848% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 3,364 |
| Noncurrent loans to loans | 0.5538% | 3,672 |
| Net loans and leases to total assets | 60.2468% | 3,848 |
| Net loans and leases to deposits | 73.8962% | 3,558 |
| Net loans and leases to core deposits | 77.1957% | 3,678 |
| Total domestic deposits to total assets | 81.5289% | 4,312 |
| Equity capital to assets | 11.0566% | 2,957 |
| Core capital (leverage) ratio | 10.6194% | 2,905 |
| Tier 1 risk-based capital ratio | 17.7991% | 2,093 |
| Total risk-based capital ratio | 19.0540% | 2,055 |
| Memoranda: | ||
| Average total assets | $79,083,750 | 4,949 |
| Average earning assets | $76,490,250 | 4,855 |
| Average equity | $8,420,250 | 5,037 |
| Average total loans | $48,065,250 | 4,783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,443 |
| Cost of funding earning assets | 0.4078% | 3,191 |
| Net interest margin | 3.5534% | 3,273 |
| Noninterest income to average assets | 0.2060% | 5,451 |
| Noninterest expense to average assets | 2.3814% | 4,612 |
| Loan and lease loss provision to assets | 0.0226% | 3,680 |
| Net operating income to assets | 1.1932% | 1,622 |
| Return on assets (ROA) | 1.1932% | 1,697 |
| Pretax return on assets | 1.2384% | 2,613 |
| Return on Equity (ROE) | 11.3483% | 1,570 |
| Retained earnings to average equity (ytd only) | 2.6280% | 4,386 |
| Net charge-offs to loans | 0.0124% | 3,482 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 167.3333% | 394 |
| Efficiency ratio | 65.3793% | 4,118 |
| Assets per employee ($millions) | 5.7605% | 1,527 |
| Cash dividends to net income (ytd only)* | 76.8421% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,349 |
| Loan loss allowance to noncurrent loans | 283.7209% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 3,438 |
| Noncurrent loans to loans | 0.6380% | 3,560 |
| Net loans and leases to total assets | 57.4405% | 4,169 |
| Net loans and leases to deposits | 69.8566% | 3,950 |
| Net loans and leases to core deposits | 73.0513% | 4,037 |
| Total domestic deposits to total assets | 82.2262% | 4,221 |
| Equity capital to assets | 10.4244% | 3,526 |
| Core capital (leverage) ratio | 10.3836% | 3,101 |
| Tier 1 risk-based capital ratio | 17.4172% | 2,249 |
| Total risk-based capital ratio | 18.6733% | 2,203 |
| Memoranda: | ||
| Average total assets | $79,617,330 | 4,987 |
| Average earning assets | $76,997,000 | 4,890 |
| Average equity | $8,371,330 | 5,079 |
| Average total loans | $48,256,670 | 4,814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 2,963 |
| Cost of funding earning assets | 0.4035% | 3,265 |
| Net interest margin | 3.6634% | 2,761 |
| Noninterest income to average assets | 0.2174% | 5,397 |
| Noninterest expense to average assets | 2.4879% | 4,299 |
| Loan and lease loss provision to assets | 0.0405% | 3,103 |
| Net operating income to assets | 1.1782% | 1,610 |
| Return on assets (ROA) | 1.1782% | 1,711 |
| Pretax return on assets | 1.2237% | 2,574 |
| Return on Equity (ROE) | 11.1570% | 1,592 |
| Retained earnings to average equity (ytd only) | 2.2984% | 4,541 |
| Net charge-offs to loans | 0.0082% | 3,054 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 225 |
| Efficiency ratio | 66.3073% | 4,097 |
| Assets per employee ($millions) | 5.2841% | 2,015 |
| Cash dividends to net income (ytd only)* | 79.3991% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 1,529 |
| Loan loss allowance to noncurrent loans | 307.5540% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 3,544 |
| Noncurrent loans to loans | 0.5800% | 3,841 |
| Net loans and leases to total assets | 59.3911% | 3,746 |
| Net loans and leases to deposits | 72.1098% | 3,526 |
| Net loans and leases to core deposits | 75.8573% | 3,612 |
| Total domestic deposits to total assets | 82.3621% | 4,393 |
| Equity capital to assets | 10.6206% | 3,399 |
| Core capital (leverage) ratio | 10.2419% | 3,289 |
| Tier 1 risk-based capital ratio | 17.2533% | 2,393 |
| Total risk-based capital ratio | 18.5088% | 2,347 |
| Memoranda: | ||
| Average total assets | $79,102,500 | 5,045 |
| Average earning assets | $76,323,500 | 4,963 |
| Average equity | $8,353,500 | 5,126 |
| Average total loans | $48,796,000 | 4,824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,479 |
| Cost of funding earning assets | 0.4423% | 3,248 |
| Net interest margin | 3.6181% | 3,340 |
| Noninterest income to average assets | 0.3150% | 4,867 |
| Noninterest expense to average assets | 2.5609% | 4,357 |
| Loan and lease loss provision to assets | 0.0476% | 3,619 |
| Net operating income to assets | 1.1316% | 1,855 |
| Return on assets (ROA) | 1.1316% | 1,915 |
| Pretax return on assets | 1.1819% | 2,724 |
| Return on Equity (ROE) | 10.4449% | 1,934 |
| Retained earnings to average equity (ytd only) | 2.9319% | 4,158 |
| Net charge-offs to loans | 0.0190% | 4,470 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 103.2222% | 509 |
| Efficiency ratio | 67.5628% | 3,970 |
| Assets per employee ($millions) | 5.2629% | 2,000 |
| Cash dividends to net income (ytd only)* | 71.9298% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 1,756 |
| Loan loss allowance to noncurrent loans | 340.5622% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 3,732 |
| Noncurrent loans to loans | 0.5014% | 4,161 |
| Net loans and leases to total assets | 61.8350% | 3,528 |
| Net loans and leases to deposits | 76.6567% | 3,124 |
| Net loans and leases to core deposits | 80.7460% | 3,212 |
| Total domestic deposits to total assets | 80.6648% | 4,840 |
| Equity capital to assets | 10.4998% | 3,481 |
| Core capital (leverage) ratio | 10.7319% | 2,688 |
| Tier 1 risk-based capital ratio | 16.8166% | 2,588 |
| Total risk-based capital ratio | 18.0719% | 2,536 |
| Memoranda: | ||
| Average total assets | $75,559,400 | 5,161 |
| Average earning assets | $72,580,400 | 5,077 |
| Average equity | $8,185,800 | 5,154 |
| Average total loans | $47,328,600 | 4,909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,513 |
| Cost of funding earning assets | 0.4501% | 3,246 |
| Net interest margin | 3.6138% | 3,371 |
| Noninterest income to average assets | 0.3640% | 4,517 |
| Noninterest expense to average assets | 2.5037% | 4,516 |
| Loan and lease loss provision to assets | 0.0321% | 3,765 |
| Net operating income to assets | 1.2474% | 1,534 |
| Return on assets (ROA) | 1.2474% | 1,585 |
| Pretax return on assets | 1.2956% | 2,392 |
| Return on Equity (ROE) | 11.4213% | 1,654 |
| Retained earnings to average equity (ytd only) | 3.6600% | 4,041 |
| Net charge-offs to loans | 0.0314% | 3,859 |
| Credit loss provision to net charge-offs | 163.6364% | 1,492 |
| Earnings coverage of net charge-offs (x) | 67.6196% | 796 |
| Efficiency ratio | 65.3470% | 4,318 |
| Assets per employee ($millions) | 5.0934% | 2,143 |
| Cash dividends to net income (ytd only)* | 67.9542% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,803 |
| Loan loss allowance to noncurrent loans | 191.6667% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 3,831 |
| Noncurrent loans to loans | 0.9167% | 3,272 |
| Net loans and leases to total assets | 60.5987% | 3,689 |
| Net loans and leases to deposits | 75.2116% | 3,283 |
| Net loans and leases to core deposits | 80.4315% | 3,264 |
| Total domestic deposits to total assets | 80.5709% | 4,946 |
| Equity capital to assets | 10.8441% | 3,135 |
| Core capital (leverage) ratio | 10.8201% | 2,674 |
| Tier 1 risk-based capital ratio | 17.7892% | 2,281 |
| Total risk-based capital ratio | 19.0466% | 2,243 |
| Memoranda: | ||
| Average total assets | $74,713,250 | 5,238 |
| Average earning assets | $71,685,750 | 5,148 |
| Average equity | $8,160,000 | 5,203 |
| Average total loans | $46,745,000 | 4,974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,462 |
| Cost of funding earning assets | 0.4611% | 3,198 |
| Net interest margin | 3.6099% | 3,321 |
| Noninterest income to average assets | 0.4181% | 4,113 |
| Noninterest expense to average assets | 2.4626% | 4,689 |
| Loan and lease loss provision to assets | 0.0405% | 3,505 |
| Net operating income to assets | 1.3243% | 1,240 |
| Return on assets (ROA) | 1.3243% | 1,292 |
| Pretax return on assets | 1.3783% | 1,977 |
| Return on Equity (ROE) | 12.0961% | 1,393 |
| Retained earnings to average equity (ytd only) | 3.5968% | 3,902 |
| Net charge-offs to loans | -0.0172% | 5,489 |
| Credit loss provision to net charge-offs | -375.0000% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4468% | 4,780 |
| Assets per employee ($millions) | 5.1278% | 2,048 |
| Cash dividends to net income (ytd only)* | 70.2648% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8314% | 1,758 |
| Loan loss allowance to noncurrent loans | 53.6056% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 1,440 |
| Noncurrent loans to loans | 3.4165% | 790 |
| Net loans and leases to total assets | 58.5384% | 3,918 |
| Net loans and leases to deposits | 71.6336% | 3,620 |
| Net loans and leases to core deposits | 76.5046% | 3,573 |
| Total domestic deposits to total assets | 81.7193% | 4,745 |
| Equity capital to assets | 10.7206% | 3,178 |
| Core capital (leverage) ratio | 11.2478% | 2,201 |
| Tier 1 risk-based capital ratio | 17.9515% | 2,264 |
| Total risk-based capital ratio | 19.2082% | 2,227 |
| Memoranda: | ||
| Average total assets | $74,150,670 | 5,290 |
| Average earning assets | $71,138,670 | 5,198 |
| Average equity | $8,118,330 | 5,241 |
| Average total loans | $46,618,000 | 5,015 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,980 |
| Cost of funding earning assets | 0.4991% | 2,917 |
| Net interest margin | 3.6717% | 2,988 |
| Noninterest income to average assets | 0.2968% | 4,982 |
| Noninterest expense to average assets | 2.5561% | 4,424 |
| Loan and lease loss provision to assets | 0.0440% | 3,218 |
| Net operating income to assets | 1.1709% | 1,566 |
| Return on assets (ROA) | 1.1709% | 1,633 |
| Pretax return on assets | 1.2148% | 2,423 |
| Return on Equity (ROE) | 10.5779% | 1,835 |
| Retained earnings to average equity (ytd only) | 1.8871% | 4,837 |
| Net charge-offs to loans | -0.0170% | 5,276 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0029% | 4,362 |
| Assets per employee ($millions) | 4.7898% | 2,532 |
| Cash dividends to net income (ytd only)* | 82.1596% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,023 |
| Loan loss allowance to noncurrent loans | 197.8571% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 4,027 |
| Noncurrent loans to loans | 0.9122% | 3,604 |
| Net loans and leases to total assets | 62.9296% | 3,083 |
| Net loans and leases to deposits | 78.1205% | 2,537 |
| Net loans and leases to core deposits | 83.9594% | 2,522 |
| Total domestic deposits to total assets | 80.5545% | 5,370 |
| Equity capital to assets | 11.2712% | 2,459 |
| Core capital (leverage) ratio | 11.0250% | 2,364 |
| Tier 1 risk-based capital ratio | 18.0949% | 2,257 |
| Total risk-based capital ratio | 19.3517% | 2,225 |
| Memoranda: | ||
| Average total assets | $72,767,500 | 5,373 |
| Average earning assets | $69,723,000 | 5,278 |
| Average equity | $8,054,500 | 5,277 |
| Average total loans | $46,994,000 | 5,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,922 |
| Cost of funding earning assets | 0.5488% | 3,121 |
| Net interest margin | 3.5018% | 3,904 |
| Noninterest income to average assets | 0.3031% | 5,175 |
| Noninterest expense to average assets | 2.5435% | 4,632 |
| Loan and lease loss provision to assets | 0.0512% | 4,112 |
| Net operating income to assets | 1.0266% | 2,215 |
| Return on assets (ROA) | 1.0266% | 2,279 |
| Pretax return on assets | 1.0697% | 3,073 |
| Return on Equity (ROE) | 9.5577% | 2,304 |
| Retained earnings to average equity (ytd only) | 2.1574% | 4,711 |
| Net charge-offs to loans | 0.0868% | 3,990 |
| Credit loss provision to net charge-offs | 95.0000% | 2,636 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,523 |
| Efficiency ratio | 69.4118% | 3,936 |
| Assets per employee ($millions) | 4.9125% | 2,293 |
| Cash dividends to net income (ytd only)* | 77.4278% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 2,362 |
| Loan loss allowance to noncurrent loans | 191.3753% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 4,185 |
| Noncurrent loans to loans | 0.8948% | 3,750 |
| Net loans and leases to total assets | 63.9494% | 3,051 |
| Net loans and leases to deposits | 78.7141% | 2,632 |
| Net loans and leases to core deposits | 83.4538% | 2,728 |
| Total domestic deposits to total assets | 81.2425% | 5,109 |
| Equity capital to assets | 10.8715% | 2,735 |
| Core capital (leverage) ratio | 10.8832% | 2,496 |
| Tier 1 risk-based capital ratio | 17.3131% | 2,485 |
| Total risk-based capital ratio | 18.5687% | 2,459 |
| Memoranda: | ||
| Average total assets | $74,228,000 | 5,371 |
| Average earning assets | $71,248,600 | 5,274 |
| Average equity | $7,972,600 | 5,344 |
| Average total loans | $46,074,200 | 5,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 4,067 |
| Cost of funding earning assets | 0.5499% | 3,263 |
| Net interest margin | 3.4660% | 4,031 |
| Noninterest income to average assets | 0.3102% | 5,224 |
| Noninterest expense to average assets | 2.4617% | 4,832 |
| Loan and lease loss provision to assets | 0.0538% | 3,960 |
| Net operating income to assets | 1.0704% | 2,116 |
| Return on assets (ROA) | 1.0704% | 2,201 |
| Pretax return on assets | 1.1170% | 3,035 |
| Return on Equity (ROE) | 9.9960% | 2,183 |
| Retained earnings to average equity (ytd only) | 2.1265% | 5,043 |
| Net charge-offs to loans | 0.1228% | 3,314 |
| Credit loss provision to net charge-offs | 71.4286% | 3,043 |
| Earnings coverage of net charge-offs (x) | 15.5471% | 1,855 |
| Efficiency ratio | 67.7690% | 4,135 |
| Assets per employee ($millions) | 4.8709% | 2,341 |
| Cash dividends to net income (ytd only)* | 78.7269% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,470 |
| Loan loss allowance to noncurrent loans | 187.7315% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 4,364 |
| Noncurrent loans to loans | 0.9300% | 3,954 |
| Net loans and leases to total assets | 62.4653% | 3,274 |
| Net loans and leases to deposits | 77.6398% | 2,722 |
| Net loans and leases to core deposits | 85.4935% | 2,468 |
| Total domestic deposits to total assets | 80.4552% | 5,371 |
| Equity capital to assets | 10.9371% | 2,821 |
| Core capital (leverage) ratio | 10.8061% | 2,661 |
| Tier 1 risk-based capital ratio | 17.6495% | 2,459 |
| Total risk-based capital ratio | 18.9058% | 2,426 |
| Memoranda: | ||
| Average total assets | $74,363,000 | 5,422 |
| Average earning assets | $71,281,750 | 5,326 |
| Average equity | $7,963,000 | 5,399 |
| Average total loans | $45,606,750 | 5,180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,207 |
| Cost of funding earning assets | 0.5555% | 3,360 |
| Net interest margin | 3.4193% | 4,118 |
| Noninterest income to average assets | 0.3128% | 5,199 |
| Noninterest expense to average assets | 2.4119% | 5,019 |
| Loan and lease loss provision to assets | 0.0481% | 4,014 |
| Net operating income to assets | 1.0829% | 1,980 |
| Return on assets (ROA) | 1.0829% | 2,098 |
| Pretax return on assets | 1.1284% | 2,982 |
| Return on Equity (ROE) | 10.1840% | 2,131 |
| Retained earnings to average equity (ytd only) | 1.5087% | 5,266 |
| Net charge-offs to loans | 0.1721% | 2,744 |
| Credit loss provision to net charge-offs | 46.1538% | 3,289 |
| Earnings coverage of net charge-offs (x) | 11.2821% | 2,063 |
| Efficiency ratio | 67.2131% | 4,324 |
| Assets per employee ($millions) | 5.0050% | 2,110 |
| Cash dividends to net income (ytd only)* | 85.1852% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,661 |
| Loan loss allowance to noncurrent loans | 174.7277% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 4,429 |
| Noncurrent loans to loans | 0.9911% | 3,955 |
| Net loans and leases to total assets | 60.6167% | 3,556 |
| Net loans and leases to deposits | 73.7031% | 3,197 |
| Net loans and leases to core deposits | 80.7667% | 2,943 |
| Total domestic deposits to total assets | 82.2444% | 4,964 |
| Equity capital to assets | 10.5095% | 3,296 |
| Core capital (leverage) ratio | 10.6968% | 2,671 |
| Tier 1 risk-based capital ratio | 17.3892% | 2,558 |
| Total risk-based capital ratio | 18.6463% | 2,527 |
| Memoranda: | ||
| Average total assets | $74,796,330 | 5,445 |
| Average earning assets | $71,652,000 | 5,344 |
| Average equity | $7,953,670 | 5,443 |
| Average total loans | $45,325,670 | 5,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 4,029 |
| Cost of funding earning assets | 0.5698% | 3,385 |
| Net interest margin | 3.4525% | 3,895 |
| Noninterest income to average assets | 0.2947% | 5,352 |
| Noninterest expense to average assets | 2.4539% | 4,935 |
| Loan and lease loss provision to assets | 0.0429% | 3,885 |
| Net operating income to assets | 1.0662% | 1,975 |
| Return on assets (ROA) | 1.0662% | 2,088 |
| Pretax return on assets | 1.1091% | 2,920 |
| Return on Equity (ROE) | 9.9681% | 2,071 |
| Retained earnings to average equity (ytd only) | 1.2022% | 5,373 |
| Net charge-offs to loans | -0.0178% | 5,669 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0535% | 4,296 |
| Assets per employee ($millions) | 4.8963% | 2,356 |
| Cash dividends to net income (ytd only)* | 87.9397% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 2,406 |
| Loan loss allowance to noncurrent loans | 185.5234% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 4,506 |
| Noncurrent loans to loans | 1.0047% | 4,120 |
| Net loans and leases to total assets | 59.7154% | 3,481 |
| Net loans and leases to deposits | 72.2644% | 3,151 |
| Net loans and leases to core deposits | 79.3221% | 2,885 |
| Total domestic deposits to total assets | 82.6346% | 4,975 |
| Equity capital to assets | 10.8830% | 3,097 |
| Core capital (leverage) ratio | 10.6193% | 2,639 |
| Tier 1 risk-based capital ratio | 17.9754% | 2,375 |
| Total risk-based capital ratio | 19.2328% | 2,336 |
| Memoranda: | ||
| Average total assets | $74,657,000 | 5,500 |
| Average earning assets | $71,600,500 | 5,393 |
| Average equity | $7,985,500 | 5,487 |
| Average total loans | $44,833,500 | 5,261 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 4,996 |
| Cost of funding earning assets | 0.6974% | 3,511 |
| Net interest margin | 3.3890% | 4,923 |
| Noninterest income to average assets | 0.3787% | 4,763 |
| Noninterest expense to average assets | 2.4968% | 5,107 |
| Loan and lease loss provision to assets | 0.2043% | 3,103 |
| Net operating income to assets | 0.8854% | 2,887 |
| Return on assets (ROA) | 0.8854% | 3,130 |
| Pretax return on assets | 0.9208% | 3,859 |
| Return on Equity (ROE) | 8.1673% | 3,015 |
| Retained earnings to average equity (ytd only) | 0.6911% | 5,522 |
| Net charge-offs to loans | 0.2725% | 3,296 |
| Credit loss provision to net charge-offs | 130.4348% | 2,144 |
| Earnings coverage of net charge-offs (x) | 7.1826% | 2,660 |
| Efficiency ratio | 68.9357% | 3,985 |
| Assets per employee ($millions) | 5.0579% | 2,157 |
| Cash dividends to net income (ytd only)* | 91.5385% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 2,498 |
| Loan loss allowance to noncurrent loans | 116.5722% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 3,877 |
| Noncurrent loans to loans | 1.5697% | 3,266 |
| Net loans and leases to total assets | 58.1964% | 3,942 |
| Net loans and leases to deposits | 69.5575% | 3,764 |
| Net loans and leases to core deposits | 76.0249% | 3,528 |
| Total domestic deposits to total assets | 83.6666% | 4,466 |
| Equity capital to assets | 10.5155% | 3,514 |
| Core capital (leverage) ratio | 10.5852% | 2,673 |
| Tier 1 risk-based capital ratio | 17.7086% | 2,380 |
| Total risk-based capital ratio | 18.9874% | 2,328 |
| Memoranda: | ||
| Average total assets | $73,414,200 | 5,537 |
| Average earning assets | $70,257,600 | 5,420 |
| Average equity | $7,958,600 | 5,517 |
| Average total loans | $42,203,800 | 5,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 5,109 |
| Cost of funding earning assets | 0.7235% | 3,567 |
| Net interest margin | 3.3976% | 5,043 |
| Noninterest income to average assets | 0.3846% | 4,751 |
| Noninterest expense to average assets | 2.3992% | 5,402 |
| Loan and lease loss provision to assets | 0.2436% | 2,617 |
| Net operating income to assets | 0.9560% | 2,718 |
| Return on assets (ROA) | 0.9560% | 2,940 |
| Pretax return on assets | 0.9926% | 3,743 |
| Return on Equity (ROE) | 8.7503% | 2,924 |
| Retained earnings to average equity (ytd only) | 0.1173% | 6,035 |
| Net charge-offs to loans | 0.3919% | 2,527 |
| Credit loss provision to net charge-offs | 109.0164% | 2,694 |
| Earnings coverage of net charge-offs (x) | 5.5329% | 3,000 |
| Efficiency ratio | 65.9950% | 4,454 |
| Assets per employee ($millions) | 4.8438% | 2,384 |
| Cash dividends to net income (ytd only)* | 98.6594% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 2,624 |
| Loan loss allowance to noncurrent loans | 113.3333% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 4,049 |
| Noncurrent loans to loans | 1.6388% | 3,340 |
| Net loans and leases to total assets | 58.1086% | 4,118 |
| Net loans and leases to deposits | 70.0665% | 3,888 |
| Net loans and leases to core deposits | 76.2686% | 3,695 |
| Total domestic deposits to total assets | 82.9335% | 4,663 |
| Equity capital to assets | 10.9528% | 3,327 |
| Core capital (leverage) ratio | 10.4659% | 2,958 |
| Tier 1 risk-based capital ratio | 18.4858% | 2,174 |
| Total risk-based capital ratio | 19.7650% | 2,127 |
| Memoranda: | ||
| Average total assets | $72,800,500 | 5,610 |
| Average earning assets | $69,655,500 | 5,500 |
| Average equity | $7,953,750 | 5,575 |
| Average total loans | $41,510,750 | 5,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 5,274 |
| Cost of funding earning assets | 0.7519% | 3,591 |
| Net interest margin | 3.3606% | 5,229 |
| Noninterest income to average assets | 0.3899% | 4,728 |
| Noninterest expense to average assets | 2.2430% | 5,898 |
| Loan and lease loss provision to assets | 0.2471% | 2,590 |
| Net operating income to assets | 1.0735% | 2,154 |
| Return on assets (ROA) | 1.0735% | 2,375 |
| Pretax return on assets | 1.1146% | 3,253 |
| Return on Equity (ROE) | 9.8336% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.2826% | 5,555 |
| Net charge-offs to loans | 0.3609% | 2,570 |
| Credit loss provision to net charge-offs | 121.6216% | 2,257 |
| Earnings coverage of net charge-offs (x) | 6.7027% | 2,593 |
| Efficiency ratio | 62.2239% | 5,212 |
| Assets per employee ($millions) | 4.9837% | 2,197 |
| Cash dividends to net income (ytd only)* | 86.9565% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 2,615 |
| Loan loss allowance to noncurrent loans | 118.7592% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 4,276 |
| Noncurrent loans to loans | 1.5827% | 3,535 |
| Net loans and leases to total assets | 56.1447% | 4,442 |
| Net loans and leases to deposits | 66.8882% | 4,380 |
| Net loans and leases to core deposits | 73.1865% | 4,145 |
| Total domestic deposits to total assets | 83.9382% | 4,337 |
| Equity capital to assets | 10.6655% | 3,493 |
| Core capital (leverage) ratio | 10.7756% | 2,509 |
| Tier 1 risk-based capital ratio | 18.5346% | 2,121 |
| Total risk-based capital ratio | 19.8147% | 2,073 |
| Memoranda: | ||
| Average total assets | $72,848,330 | 5,640 |
| Average earning assets | $69,689,000 | 5,533 |
| Average equity | $7,952,330 | 5,587 |
| Average total loans | $41,008,000 | 5,553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 5,436 |
| Cost of funding earning assets | 0.7780% | 3,639 |
| Net interest margin | 3.3269% | 5,386 |
| Noninterest income to average assets | 0.4117% | 4,579 |
| Noninterest expense to average assets | 2.2143% | 6,003 |
| Loan and lease loss provision to assets | 0.2504% | 2,459 |
| Net operating income to assets | 1.0960% | 2,103 |
| Return on assets (ROA) | 1.0960% | 2,299 |
| Pretax return on assets | 1.1350% | 3,182 |
| Return on Equity (ROE) | 9.9219% | 2,429 |
| Retained earnings to average equity (ytd only) | 1.1080% | 5,640 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5147% | 5,367 |
| Assets per employee ($millions) | 5.1192% | 2,099 |
| Cash dividends to net income (ytd only)* | 88.8325% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 2,058 |
| Loan loss allowance to noncurrent loans | 99.1667% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 4,080 |
| Noncurrent loans to loans | 2.1358% | 2,985 |
| Net loans and leases to total assets | 53.7136% | 4,770 |
| Net loans and leases to deposits | 64.5375% | 4,557 |
| Net loans and leases to core deposits | 71.9565% | 4,156 |
| Total domestic deposits to total assets | 83.2285% | 4,839 |
| Equity capital to assets | 11.1038% | 2,799 |
| Core capital (leverage) ratio | 10.9159% | 2,329 |
| Tier 1 risk-based capital ratio | 19.5693% | 1,819 |
| Total risk-based capital ratio | 20.8534% | 1,788 |
| Memoranda: | ||
| Average total assets | $71,895,000 | 5,715 |
| Average earning assets | $68,893,500 | 5,602 |
| Average equity | $7,942,000 | 5,615 |
| Average total loans | $40,124,500 | 5,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 5,128 |
| Cost of funding earning assets | 0.9117% | 4,036 |
| Net interest margin | 3.5763% | 4,820 |
| Noninterest income to average assets | 0.4410% | 4,297 |
| Noninterest expense to average assets | 2.3271% | 5,982 |
| Loan and lease loss provision to assets | 0.2496% | 3,704 |
| Net operating income to assets | 1.2523% | 1,374 |
| Return on assets (ROA) | 1.2523% | 1,471 |
| Pretax return on assets | 1.3022% | 2,122 |
| Return on Equity (ROE) | 11.5405% | 1,543 |
| Retained earnings to average equity (ytd only) | 2.7222% | 4,299 |
| Net charge-offs to loans | 0.3381% | 3,706 |
| Credit loss provision to net charge-offs | 130.4348% | 2,344 |
| Earnings coverage of net charge-offs (x) | 8.1087% | 2,212 |
| Efficiency ratio | 59.9928% | 5,760 |
| Assets per employee ($millions) | 5.5478% | 1,585 |
| Cash dividends to net income (ytd only)* | 76.4120% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,489 |
| Loan loss allowance to noncurrent loans | 150.0952% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 5,062 |
| Noncurrent loans to loans | 1.2830% | 4,227 |
| Net loans and leases to total assets | 55.6454% | 4,773 |
| Net loans and leases to deposits | 66.9391% | 4,596 |
| Net loans and leases to core deposits | 73.7003% | 4,284 |
| Total domestic deposits to total assets | 83.1284% | 4,696 |
| Equity capital to assets | 10.9899% | 2,990 |
| Core capital (leverage) ratio | 11.0572% | 2,225 |
| Tier 1 risk-based capital ratio | 18.7986% | 1,958 |
| Total risk-based capital ratio | 20.0789% | 1,909 |
| Memoranda: | ||
| Average total assets | $72,108,000 | 5,688 |
| Average earning assets | $69,318,200 | 5,564 |
| Average equity | $7,824,600 | 5,623 |
| Average total loans | $40,810,400 | 5,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 5,236 |
| Cost of funding earning assets | 0.9341% | 4,171 |
| Net interest margin | 3.5731% | 4,877 |
| Noninterest income to average assets | 0.4142% | 4,552 |
| Noninterest expense to average assets | 2.2522% | 6,162 |
| Loan and lease loss provision to assets | 0.2219% | 3,797 |
| Net operating income to assets | 1.3240% | 1,316 |
| Return on assets (ROA) | 1.3240% | 1,407 |
| Pretax return on assets | 1.3776% | 2,016 |
| Return on Equity (ROE) | 12.2402% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.3507% | 4,340 |
| Net charge-offs to loans | 0.4119% | 3,081 |
| Credit loss provision to net charge-offs | 95.2381% | 3,596 |
| Earnings coverage of net charge-offs (x) | 6.8649% | 2,466 |
| Efficiency ratio | 58.4734% | 5,942 |
| Assets per employee ($millions) | 5.4467% | 1,650 |
| Cash dividends to net income (ytd only)* | 72.6263% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,830 |
| Loan loss allowance to noncurrent loans | 265.2330% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 6,022 |
| Noncurrent loans to loans | 0.6902% | 5,506 |
| Net loans and leases to total assets | 56.0411% | 4,833 |
| Net loans and leases to deposits | 67.6769% | 4,666 |
| Net loans and leases to core deposits | 74.4875% | 4,383 |
| Total domestic deposits to total assets | 82.8068% | 4,756 |
| Equity capital to assets | 11.1853% | 2,972 |
| Core capital (leverage) ratio | 11.0058% | 2,381 |
| Tier 1 risk-based capital ratio | 19.0673% | 1,912 |
| Total risk-based capital ratio | 20.3249% | 1,884 |
| Memoranda: | ||
| Average total assets | $72,104,750 | 5,734 |
| Average earning assets | $69,368,250 | 5,603 |
| Average equity | $7,799,250 | 5,658 |
| Average total loans | $40,783,000 | 5,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 5,520 |
| Cost of funding earning assets | 0.9482% | 4,332 |
| Net interest margin | 3.5035% | 5,152 |
| Noninterest income to average assets | 0.4191% | 4,522 |
| Noninterest expense to average assets | 2.2002% | 6,386 |
| Loan and lease loss provision to assets | 0.2068% | 3,854 |
| Net operating income to assets | 1.3290% | 1,249 |
| Return on assets (ROA) | 1.3290% | 1,327 |
| Pretax return on assets | 1.3841% | 1,844 |
| Return on Equity (ROE) | 12.4243% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.4025% | 4,095 |
| Net charge-offs to loans | 0.2445% | 3,657 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 11.5400% | 1,708 |
| Efficiency ratio | 58.0364% | 6,156 |
| Assets per employee ($millions) | 5.5742% | 1,502 |
| Cash dividends to net income (ytd only)* | 72.6141% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,656 |
| Loan loss allowance to noncurrent loans | 195.6853% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 5,703 |
| Noncurrent loans to loans | 0.9734% | 5,038 |
| Net loans and leases to total assets | 54.7906% | 5,181 |
| Net loans and leases to deposits | 64.9916% | 5,155 |
| Net loans and leases to core deposits | 72.5439% | 4,753 |
| Total domestic deposits to total assets | 84.3041% | 4,215 |
| Equity capital to assets | 10.8687% | 3,102 |
| Core capital (leverage) ratio | 10.8001% | 2,421 |
| Tier 1 risk-based capital ratio | 18.8690% | 1,885 |
| Total risk-based capital ratio | 20.1259% | 1,851 |
| Memoranda: | ||
| Average total assets | $72,537,330 | 5,764 |
| Average earning assets | $69,816,330 | 5,637 |
| Average equity | $7,759,000 | 5,682 |
| Average total loans | $40,903,670 | 5,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 5,539 |
| Cost of funding earning assets | 0.9585% | 4,504 |
| Net interest margin | 3.4859% | 5,075 |
| Noninterest income to average assets | 0.3638% | 5,002 |
| Noninterest expense to average assets | 2.1661% | 6,500 |
| Loan and lease loss provision to assets | 0.2480% | 3,180 |
| Net operating income to assets | 1.2622% | 1,362 |
| Return on assets (ROA) | 1.2622% | 1,416 |
| Pretax return on assets | 1.3173% | 1,987 |
| Return on Equity (ROE) | 11.8953% | 1,489 |
| Retained earnings to average equity (ytd only) | 2.5453% | 4,635 |
| Net charge-offs to loans | 0.0195% | 4,805 |
| Credit loss provision to net charge-offs | 2,250.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 218 |
| Efficiency ratio | 58.0502% | 6,265 |
| Assets per employee ($millions) | 5.3719% | 1,694 |
| Cash dividends to net income (ytd only)* | 78.6026% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,386 |
| Loan loss allowance to noncurrent loans | 219.1667% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 5,811 |
| Noncurrent loans to loans | 0.9179% | 5,201 |
| Net loans and leases to total assets | 55.0297% | 5,156 |
| Net loans and leases to deposits | 65.5187% | 5,040 |
| Net loans and leases to core deposits | 72.2423% | 4,755 |
| Total domestic deposits to total assets | 83.9908% | 4,490 |
| Equity capital to assets | 11.0561% | 2,631 |
| Core capital (leverage) ratio | 10.6126% | 2,495 |
| Tier 1 risk-based capital ratio | 19.0741% | 1,783 |
| Total risk-based capital ratio | 20.3337% | 1,743 |
| Memoranda: | ||
| Average total assets | $72,573,500 | 5,803 |
| Average earning assets | $70,112,000 | 5,663 |
| Average equity | $7,700,500 | 5,708 |
| Average total loans | $41,118,000 | 5,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 5,938 |
| Cost of funding earning assets | 1.1800% | 4,676 |
| Net interest margin | 3.4751% | 5,342 |
| Noninterest income to average assets | 0.4165% | 4,770 |
| Noninterest expense to average assets | 2.3931% | 6,103 |
| Loan and lease loss provision to assets | 0.2442% | 4,847 |
| Net operating income to assets | 1.0935% | 1,718 |
| Return on assets (ROA) | 1.0935% | 1,804 |
| Pretax return on assets | 1.1274% | 2,476 |
| Return on Equity (ROE) | 10.5453% | 1,742 |
| Retained earnings to average equity (ytd only) | 1.4523% | 4,804 |
| Net charge-offs to loans | 0.1046% | 5,820 |
| Credit loss provision to net charge-offs | 409.0909% | 591 |
| Earnings coverage of net charge-offs (x) | 22.9773% | 919 |
| Efficiency ratio | 63.5676% | 5,422 |
| Assets per employee ($millions) | 5.7932% | 1,362 |
| Cash dividends to net income (ytd only)* | 86.2283% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 3,089 |
| Loan loss allowance to noncurrent loans | 310.8333% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 6,450 |
| Noncurrent loans to loans | 0.5579% | 5,934 |
| Net loans and leases to total assets | 56.1278% | 5,325 |
| Net loans and leases to deposits | 72.3162% | 4,463 |
| Net loans and leases to core deposits | 74.4273% | 4,927 |
| Total domestic deposits to total assets | 77.6145% | 6,378 |
| Equity capital to assets | 10.1976% | 3,506 |
| Core capital (leverage) ratio | 10.6135% | 2,451 |
| Tier 1 risk-based capital ratio | 17.0073% | 2,342 |
| Total risk-based capital ratio | 18.2630% | 2,305 |
| Memoranda: | ||
| Average total assets | $73,711,400 | 5,768 |
| Average earning assets | $71,018,600 | 5,632 |
| Average equity | $7,643,200 | 5,827 |
| Average total loans | $42,076,000 | 5,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 5,974 |
| Cost of funding earning assets | 1.2359% | 4,650 |
| Net interest margin | 3.4753% | 5,389 |
| Noninterest income to average assets | 0.4056% | 4,912 |
| Noninterest expense to average assets | 2.2843% | 6,378 |
| Loan and lease loss provision to assets | 0.2455% | 4,634 |
| Net operating income to assets | 1.1749% | 1,660 |
| Return on assets (ROA) | 1.1749% | 1,756 |
| Pretax return on assets | 1.2203% | 2,421 |
| Return on Equity (ROE) | 11.2826% | 1,701 |
| Retained earnings to average equity (ytd only) | 1.7640% | 5,085 |
| Net charge-offs to loans | 0.0669% | 5,841 |
| Credit loss provision to net charge-offs | 642.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 38.3800% | 711 |
| Efficiency ratio | 60.9117% | 5,811 |
| Assets per employee ($millions) | 5.0477% | 2,113 |
| Cash dividends to net income (ytd only)* | 84.3657% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,984 |
| Loan loss allowance to noncurrent loans | 195.1482% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 5,900 |
| Noncurrent loans to loans | 0.8973% | 5,450 |
| Net loans and leases to total assets | 57.4843% | 5,337 |
| Net loans and leases to deposits | 72.3035% | 4,792 |
| Net loans and leases to core deposits | 76.2487% | 5,025 |
| Total domestic deposits to total assets | 79.5042% | 5,863 |
| Equity capital to assets | 10.9583% | 3,001 |
| Core capital (leverage) ratio | 10.6205% | 2,577 |
| Tier 1 risk-based capital ratio | 17.8227% | 2,070 |
| Total risk-based capital ratio | 19.0793% | 2,036 |
| Memoranda: | ||
| Average total assets | $73,311,250 | 5,847 |
| Average earning assets | $70,553,000 | 5,721 |
| Average equity | $7,634,000 | 5,904 |
| Average total loans | $41,840,750 | 5,921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 6,125 |
| Cost of funding earning assets | 1.2597% | 4,765 |
| Net interest margin | 3.4459% | 5,453 |
| Noninterest income to average assets | 0.4313% | 4,669 |
| Noninterest expense to average assets | 2.2266% | 6,580 |
| Loan and lease loss provision to assets | 0.2426% | 4,493 |
| Net operating income to assets | 1.2319% | 1,477 |
| Return on assets (ROA) | 1.2319% | 1,539 |
| Pretax return on assets | 1.2805% | 2,150 |
| Return on Equity (ROE) | 12.0305% | 1,443 |
| Retained earnings to average equity (ytd only) | 2.4219% | 4,619 |
| Net charge-offs to loans | 0.0809% | 5,328 |
| Credit loss provision to net charge-offs | 529.4118% | 698 |
| Earnings coverage of net charge-offs (x) | 33.2353% | 848 |
| Efficiency ratio | 59.3817% | 6,166 |
| Assets per employee ($millions) | 5.4715% | 1,650 |
| Cash dividends to net income (ytd only)* | 79.8687% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 3,260 |
| Loan loss allowance to noncurrent loans | 237.9791% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 6,091 |
| Noncurrent loans to loans | 0.6924% | 5,857 |
| Net loans and leases to total assets | 57.3134% | 5,517 |
| Net loans and leases to deposits | 73.9860% | 4,675 |
| Net loans and leases to core deposits | 76.2798% | 5,159 |
| Total domestic deposits to total assets | 77.4652% | 6,402 |
| Equity capital to assets | 10.8449% | 3,033 |
| Core capital (leverage) ratio | 10.5474% | 2,587 |
| Tier 1 risk-based capital ratio | 17.7993% | 2,008 |
| Total risk-based capital ratio | 19.0532% | 1,973 |
| Memoranda: | ||
| Average total assets | $74,192,330 | 5,861 |
| Average earning assets | $71,446,330 | 5,723 |
| Average equity | $7,597,330 | 5,926 |
| Average total loans | $42,005,330 | 5,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 6,513 |
| Cost of funding earning assets | 1.2623% | 5,049 |
| Net interest margin | 3.3533% | 5,772 |
| Noninterest income to average assets | 0.4120% | 4,795 |
| Noninterest expense to average assets | 2.2503% | 6,543 |
| Loan and lease loss provision to assets | 0.2377% | 4,143 |
| Net operating income to assets | 1.1040% | 1,818 |
| Return on assets (ROA) | 1.1040% | 1,904 |
| Pretax return on assets | 1.1516% | 2,548 |
| Return on Equity (ROE) | 11.0890% | 1,764 |
| Retained earnings to average equity (ytd only) | 1.5387% | 5,172 |
| Net charge-offs to loans | 0.0946% | 4,469 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 962 |
| Efficiency ratio | 61.8287% | 5,863 |
| Assets per employee ($millions) | 5.5414% | 1,624 |
| Cash dividends to net income (ytd only)* | 86.1244% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,566 |
| Loan loss allowance to noncurrent loans | 186.4162% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 5,563 |
| Noncurrent loans to loans | 0.8436% | 5,628 |
| Net loans and leases to total assets | 56.0413% | 5,738 |
| Net loans and leases to deposits | 70.6145% | 5,251 |
| Net loans and leases to core deposits | 77.7637% | 5,054 |
| Total domestic deposits to total assets | 79.3623% | 5,995 |
| Equity capital to assets | 10.5264% | 3,222 |
| Core capital (leverage) ratio | 10.2254% | 2,902 |
| Tier 1 risk-based capital ratio | 17.6130% | 2,047 |
| Total risk-based capital ratio | 18.8644% | 2,020 |
| Memoranda: | ||
| Average total assets | $75,723,500 | 5,887 |
| Average earning assets | $72,882,500 | 5,748 |
| Average equity | $7,539,000 | 6,000 |
| Average total loans | $42,283,000 | 6,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 5,782 |
| Cost of funding earning assets | 1.6200% | 4,935 |
| Net interest margin | 3.5507% | 4,743 |
| Noninterest income to average assets | 0.3940% | 5,252 |
| Noninterest expense to average assets | 2.3160% | 6,705 |
| Loan and lease loss provision to assets | 0.6765% | 3,115 |
| Net operating income to assets | 0.8118% | 2,485 |
| Return on assets (ROA) | 0.8118% | 2,571 |
| Pretax return on assets | 0.8264% | 3,162 |
| Return on Equity (ROE) | 8.1648% | 2,302 |
| Retained earnings to average equity (ytd only) | 2.0012% | 3,701 |
| Net charge-offs to loans | 1.0161% | 2,378 |
| Credit loss provision to net charge-offs | 111.3537% | 4,937 |
| Earnings coverage of net charge-offs (x) | 2.4738% | 3,887 |
| Efficiency ratio | 60.6461% | 6,380 |
| Assets per employee ($millions) | 6.1084% | 1,179 |
| Cash dividends to net income (ytd only)* | 75.4902% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,232 |
| Loan loss allowance to noncurrent loans | 198.6971% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,904 |
| Noncurrent loans to loans | 0.7049% | 5,834 |
| Net loans and leases to total assets | 54.0745% | 6,191 |
| Net loans and leases to deposits | 67.5253% | 5,887 |
| Net loans and leases to core deposits | 84.0741% | 5,705 |
| Total domestic deposits to total assets | 80.0803% | 5,649 |
| Equity capital to assets | 9.4385% | 4,502 |
| Core capital (leverage) ratio | 10.2143% | 2,867 |
| Tier 1 risk-based capital ratio | 16.0565% | 2,499 |
| Total risk-based capital ratio | 17.3283% | 2,419 |
| Memoranda: | ||
| Average total assets | $75,388,000 | 5,857 |
| Average earning assets | $72,717,400 | 5,731 |
| Average equity | $7,495,600 | 6,092 |
| Average total loans | $45,072,800 | 5,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 5,297 |
| Cost of funding earning assets | 1.7229% | 4,783 |
| Net interest margin | 3.6038% | 4,471 |
| Noninterest income to average assets | 0.4087% | 5,224 |
| Noninterest expense to average assets | 2.2030% | 6,967 |
| Loan and lease loss provision to assets | 0.8729% | 2,198 |
| Net operating income to assets | 0.7779% | 2,901 |
| Return on assets (ROA) | 0.7779% | 2,964 |
| Pretax return on assets | 0.8084% | 3,511 |
| Return on Equity (ROE) | 7.7197% | 2,762 |
| Retained earnings to average equity (ytd only) | 0.5514% | 4,977 |
| Net charge-offs to loans | 1.3024% | 1,568 |
| Credit loss provision to net charge-offs | 109.6847% | 4,637 |
| Earnings coverage of net charge-offs (x) | 2.1126% | 4,237 |
| Efficiency ratio | 56.7144% | 6,902 |
| Assets per employee ($millions) | 5.5121% | 1,609 |
| Cash dividends to net income (ytd only)* | 92.8575% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,211 |
| Loan loss allowance to noncurrent loans | 135.9729% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 5,659 |
| Noncurrent loans to loans | 0.9921% | 5,321 |
| Net loans and leases to total assets | 61.3380% | 5,352 |
| Net loans and leases to deposits | 73.7442% | 5,393 |
| Net loans and leases to core deposits | 94.8469% | 4,948 |
| Total domestic deposits to total assets | 83.1768% | 4,131 |
| Equity capital to assets | 10.4554% | 3,561 |
| Core capital (leverage) ratio | 10.0954% | 3,181 |
| Tier 1 risk-based capital ratio | 16.4785% | 2,440 |
| Total risk-based capital ratio | 17.7285% | 2,384 |
| Memoranda: | ||
| Average total assets | $74,382,750 | 5,924 |
| Average earning assets | $71,737,500 | 5,795 |
| Average equity | $7,495,750 | 6,148 |
| Average total loans | $45,453,500 | 5,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 5,249 |
| Cost of funding earning assets | 1.7629% | 4,940 |
| Net interest margin | 3.6166% | 4,297 |
| Noninterest income to average assets | 0.3745% | 5,512 |
| Noninterest expense to average assets | 2.0427% | 7,389 |
| Loan and lease loss provision to assets | 1.0944% | 1,568 |
| Net operating income to assets | 0.6907% | 3,298 |
| Return on assets (ROA) | 0.6907% | 3,411 |
| Pretax return on assets | 0.7252% | 3,919 |
| Return on Equity (ROE) | 6.9361% | 3,228 |
| Retained earnings to average equity (ytd only) | -1.3339% | 5,575 |
| Net charge-offs to loans | 1.7048% | 1,108 |
| Credit loss provision to net charge-offs | 105.6410% | 4,354 |
| Earnings coverage of net charge-offs (x) | 1.7564% | 4,242 |
| Efficiency ratio | 52.8886% | 7,450 |
| Assets per employee ($millions) | 5.5401% | 1,551 |
| Cash dividends to net income (ytd only)* | 119.2308% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,419 |
| Loan loss allowance to noncurrent loans | 82.3864% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 5,017 |
| Noncurrent loans to loans | 1.5488% | 4,172 |
| Net loans and leases to total assets | 62.3096% | 5,305 |
| Net loans and leases to deposits | 75.1528% | 5,298 |
| Net loans and leases to core deposits | 94.3447% | 5,074 |
| Total domestic deposits to total assets | 82.9105% | 4,287 |
| Equity capital to assets | 10.2401% | 3,683 |
| Core capital (leverage) ratio | 9.6622% | 3,681 |
| Tier 1 risk-based capital ratio | 15.7430% | 2,712 |
| Total risk-based capital ratio | 16.9957% | 2,647 |
| Memoranda: | ||
| Average total assets | $75,291,330 | 5,939 |
| Average earning assets | $72,608,670 | 5,805 |
| Average equity | $7,497,000 | 6,182 |
| Average total loans | $45,753,330 | 5,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3804% | 5,526 |
| Cost of funding earning assets | 1.8007% | 5,111 |
| Net interest margin | 3.5797% | 4,410 |
| Noninterest income to average assets | 0.3588% | 5,575 |
| Noninterest expense to average assets | 1.9967% | 7,361 |
| Loan and lease loss provision to assets | 0.6500% | 1,944 |
| Net operating income to assets | 1.1128% | 1,915 |
| Return on assets (ROA) | 1.1128% | 2,040 |
| Pretax return on assets | 1.1543% | 2,788 |
| Return on Equity (ROE) | 11.3257% | 1,873 |
| Retained earnings to average equity (ytd only) | 2.0640% | 4,713 |
| Net charge-offs to loans | 1.1503% | 1,195 |
| Credit loss provision to net charge-offs | 94.6970% | 3,901 |
| Earnings coverage of net charge-offs (x) | 2.6288% | 3,444 |
| Efficiency ratio | 52.5308% | 7,360 |
| Assets per employee ($millions) | 5.7052% | 1,397 |
| Cash dividends to net income (ytd only)* | 81.7757% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,774 |
| Loan loss allowance to noncurrent loans | 45.6882% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 3,476 |
| Noncurrent loans to loans | 2.6371% | 2,494 |
| Net loans and leases to total assets | 60.9171% | 5,508 |
| Net loans and leases to deposits | 74.5438% | 5,413 |
| Net loans and leases to core deposits | 95.0759% | 5,054 |
| Total domestic deposits to total assets | 81.7199% | 4,670 |
| Equity capital to assets | 10.1445% | 3,835 |
| Core capital (leverage) ratio | 9.5747% | 3,901 |
| Tier 1 risk-based capital ratio | 14.6134% | 3,251 |
| Total risk-based capital ratio | 15.7049% | 3,255 |
| Memoranda: | ||
| Average total assets | $76,926,500 | 5,916 |
| Average earning assets | $73,972,000 | 5,771 |
| Average equity | $7,558,000 | 6,202 |
| Average total loans | $45,902,000 | 5,967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1313% | 4,889 |
| Cost of funding earning assets | 2.4977% | 4,218 |
| Net interest margin | 3.6337% | 4,740 |
| Noninterest income to average assets | 0.3823% | 5,617 |
| Noninterest expense to average assets | 2.0538% | 7,337 |
| Loan and lease loss provision to assets | 0.6071% | 2,399 |
| Net operating income to assets | 1.1664% | 1,886 |
| Return on assets (ROA) | 1.1664% | 1,813 |
| Pretax return on assets | 1.2168% | 2,589 |
| Return on Equity (ROE) | 12.1114% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.1862% | 3,856 |
| Net charge-offs to loans | 0.8346% | 1,502 |
| Credit loss provision to net charge-offs | 121.1340% | 4,429 |
| Earnings coverage of net charge-offs (x) | 3.6392% | 4,274 |
| Efficiency ratio | 52.9647% | 7,391 |
| Assets per employee ($millions) | 6.1296% | 1,068 |
| Cash dividends to net income (ytd only)* | 81.9491% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 4,449 |
| Loan loss allowance to noncurrent loans | 48.9045% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 3,345 |
| Noncurrent loans to loans | 2.4766% | 2,204 |
| Net loans and leases to total assets | 57.1174% | 6,319 |
| Net loans and leases to deposits | 70.1348% | 6,266 |
| Net loans and leases to core deposits | 94.7616% | 5,382 |
| Total domestic deposits to total assets | 81.4394% | 4,441 |
| Equity capital to assets | 9.5275% | 4,644 |
| Core capital (leverage) ratio | 9.7109% | 3,751 |
| Tier 1 risk-based capital ratio | 13.6975% | 3,698 |
| Total risk-based capital ratio | 14.7390% | 3,725 |
| Memoranda: | ||
| Average total assets | $77,417,000 | 5,789 |
| Average earning assets | $74,470,000 | 5,645 |
| Average equity | $7,455,800 | 6,291 |
| Average total loans | $46,487,000 | 5,855 |