Home > The Nekoma State Bank > Performance and Condition Ratios
The Nekoma State Bank, 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 | 3.2790% | 5,180 |
| Cost of funding earning assets | 0.2199% | 5,068 |
| Net interest margin | 3.0591% | 4,655 |
| Noninterest income to average assets | 0.6595% | 1,785 |
| Noninterest expense to average assets | 2.9396% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8080% | 3,590 |
| Return on assets (ROA) | -6.9627% | 5,355 |
| Pretax return on assets | -9.2334% | 5,357 |
| Return on Equity (ROE) | -80.7981% | 5,358 |
| Retained earnings to average equity (ytd only) | -80.7981% | 5,348 |
| Net charge-offs to loans | 2.7902% | 36 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.7711% | 2,644 |
| Efficiency ratio | 82.9787% | 789 |
| Assets per employee ($millions) | 3.7461% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4248% | 267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 27.5390% | 5,184 |
| Net loans and leases to deposits | 30.6281% | 5,213 |
| Net loans and leases to core deposits | 30.6281% | 5,231 |
| Total domestic deposits to total assets | 89.9143% | 482 |
| Equity capital to assets | 8.6927% | 4,884 |
| Core capital (leverage) ratio | 8.2177% | 5,133 |
| Tier 1 risk-based capital ratio | 18.0208% | 1,788 |
| Total risk-based capital ratio | 19.2685% | 1,748 |
| Memoranda: | ||
| Average total assets | $42,454,500 | 5,024 |
| Average earning assets | $40,012,000 | 5,005 |
| Average equity | $3,658,500 | 5,185 |
| Average total loans | $11,899,000 | 5,213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 5,080 |
| Cost of funding earning assets | 0.2542% | 4,787 |
| Net interest margin | 3.0524% | 4,727 |
| Noninterest income to average assets | 0.0875% | 5,188 |
| Noninterest expense to average assets | 2.6280% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3520% | 4,941 |
| Return on assets (ROA) | 0.3520% | 4,937 |
| Pretax return on assets | 0.3139% | 5,036 |
| Return on Equity (ROE) | 4.2580% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.4172% | 3,710 |
| Net charge-offs to loans | 0.0322% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,451 |
| Efficiency ratio | 89.3293% | 375 |
| Assets per employee ($millions) | 3.9729% | 3,930 |
| Cash dividends to net income (ytd only)* | 19.7452% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9997% | 132 |
| Loan loss allowance to noncurrent loans | 439.7590% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,868 |
| Noncurrent loans to loans | 0.6821% | 2,286 |
| Net loans and leases to total assets | 27.0079% | 5,245 |
| Net loans and leases to deposits | 29.9759% | 5,269 |
| Net loans and leases to core deposits | 30.3810% | 5,274 |
| Total domestic deposits to total assets | 90.0989% | 441 |
| Equity capital to assets | 8.5465% | 4,901 |
| Core capital (leverage) ratio | 9.5735% | 4,036 |
| Tier 1 risk-based capital ratio | 21.5329% | 1,088 |
| Total risk-based capital ratio | 22.7887% | 1,069 |
| Memoranda: | ||
| Average total assets | $44,596,800 | 5,036 |
| Average earning assets | $41,705,000 | 5,023 |
| Average equity | $3,687,200 | 5,211 |
| Average total loans | $12,413,200 | 5,242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 5,151 |
| Cost of funding earning assets | 0.2225% | 4,928 |
| Net interest margin | 3.0445% | 4,788 |
| Noninterest income to average assets | 0.0506% | 5,337 |
| Noninterest expense to average assets | 2.5851% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3689% | 4,998 |
| Return on assets (ROA) | 0.3689% | 4,997 |
| Pretax return on assets | 0.3153% | 5,121 |
| Return on Equity (ROE) | 4.4985% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4985% | 3,499 |
| Net charge-offs to loans | 0.1497% | 1,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.5699% | 2,795 |
| Efficiency ratio | 89.1282% | 360 |
| Assets per employee ($millions) | 4.0173% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 183 |
| Loan loss allowance to noncurrent loans | 427.7108% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 4,000 |
| Noncurrent loans to loans | 0.6396% | 2,487 |
| Net loans and leases to total assets | 28.5608% | 5,300 |
| Net loans and leases to deposits | 33.6551% | 5,306 |
| Net loans and leases to core deposits | 34.1330% | 5,319 |
| Total domestic deposits to total assets | 84.8631% | 2,662 |
| Equity capital to assets | 7.8321% | 5,227 |
| Core capital (leverage) ratio | 9.5546% | 4,104 |
| Tier 1 risk-based capital ratio | 21.2249% | 1,152 |
| Total risk-based capital ratio | 22.4784% | 1,133 |
| Memoranda: | ||
| Average total assets | $44,820,500 | 5,093 |
| Average earning assets | $41,954,250 | 5,077 |
| Average equity | $3,675,250 | 5,279 |
| Average total loans | $12,474,500 | 5,308 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1890% | 5,235 |
| Cost of funding earning assets | 0.1946% | 5,054 |
| Net interest margin | 2.9945% | 4,884 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 2.5360% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3686% | 5,022 |
| Return on assets (ROA) | 0.3686% | 5,024 |
| Pretax return on assets | 0.2665% | 5,190 |
| Return on Equity (ROE) | 4.4306% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.4306% | 3,381 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4913% | 358 |
| Assets per employee ($millions) | 3.7150% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9744% | 144 |
| Loan loss allowance to noncurrent loans | 338.5321% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,783 |
| Noncurrent loans to loans | 0.8786% | 1,974 |
| Net loans and leases to total assets | 27.0009% | 5,372 |
| Net loans and leases to deposits | 31.4545% | 5,380 |
| Net loans and leases to core deposits | 31.4545% | 5,391 |
| Total domestic deposits to total assets | 85.8412% | 2,349 |
| Equity capital to assets | 8.1427% | 5,174 |
| Core capital (leverage) ratio | 9.2758% | 4,386 |
| Tier 1 risk-based capital ratio | 22.0600% | 1,030 |
| Total risk-based capital ratio | 23.3134% | 1,014 |
| Memoranda: | ||
| Average total assets | $45,030,670 | 5,152 |
| Average earning assets | $42,144,330 | 5,126 |
| Average equity | $3,746,670 | 5,335 |
| Average total loans | $12,307,330 | 5,370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1486% | 5,277 |
| Cost of funding earning assets | 0.1797% | 5,117 |
| Net interest margin | 2.9690% | 4,918 |
| Noninterest income to average assets | 0.1944% | 4,852 |
| Noninterest expense to average assets | 2.5632% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5745% | 4,496 |
| Return on assets (ROA) | 0.5745% | 4,505 |
| Pretax return on assets | 0.4066% | 5,027 |
| Return on Equity (ROE) | 6.8331% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.8331% | 2,352 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3095% | 624 |
| Assets per employee ($millions) | 3.7708% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2832% | 112 |
| Loan loss allowance to noncurrent loans | 351.4286% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 1,945 |
| Noncurrent loans to loans | 0.9342% | 1,953 |
| Net loans and leases to total assets | 24.0226% | 5,466 |
| Net loans and leases to deposits | 26.7096% | 5,485 |
| Net loans and leases to core deposits | 30.8886% | 5,449 |
| Total domestic deposits to total assets | 89.9401% | 682 |
| Equity capital to assets | 8.1527% | 5,204 |
| Core capital (leverage) ratio | 9.1067% | 4,563 |
| Tier 1 risk-based capital ratio | 22.9464% | 950 |
| Total risk-based capital ratio | 24.2015% | 925 |
| Memoranda: | ||
| Average total assets | $45,256,000 | 5,204 |
| Average earning assets | $42,304,000 | 5,178 |
| Average equity | $3,805,000 | 5,386 |
| Average total loans | $12,258,000 | 5,434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0399% | 5,332 |
| Cost of funding earning assets | 0.1432% | 5,300 |
| Net interest margin | 2.8967% | 5,046 |
| Noninterest income to average assets | -0.0552% | 5,643 |
| Noninterest expense to average assets | 2.5984% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0323% | 5,325 |
| Return on assets (ROA) | 0.2690% | 5,002 |
| Pretax return on assets | 0.3771% | 5,115 |
| Return on Equity (ROE) | 2.9431% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.9431% | 3,543 |
| Net charge-offs to loans | 0.0294% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,416 |
| Efficiency ratio | 98.3464% | 198 |
| Assets per employee ($millions) | 4.1148% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7792% | 182 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,642 |
| Noncurrent loans to loans | 1.2352% | 1,430 |
| Net loans and leases to total assets | 28.5178% | 5,458 |
| Net loans and leases to deposits | 31.9134% | 5,496 |
| Net loans and leases to core deposits | 37.0398% | 5,440 |
| Total domestic deposits to total assets | 89.3600% | 845 |
| Equity capital to assets | 8.6627% | 4,984 |
| Core capital (leverage) ratio | 9.3913% | 4,176 |
| Tier 1 risk-based capital ratio | 21.6360% | 1,055 |
| Total risk-based capital ratio | 22.8893% | 1,035 |
| Memoranda: | ||
| Average total assets | $43,489,000 | 5,282 |
| Average earning assets | $40,494,800 | 5,266 |
| Average equity | $3,975,400 | 5,422 |
| Average total loans | $13,590,400 | 5,474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 5,316 |
| Cost of funding earning assets | 0.1366% | 5,387 |
| Net interest margin | 2.9812% | 4,962 |
| Noninterest income to average assets | -0.1642% | 5,718 |
| Noninterest expense to average assets | 2.6328% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0194% | 5,520 |
| Return on assets (ROA) | 0.3438% | 5,149 |
| Pretax return on assets | 0.4182% | 5,161 |
| Return on Equity (ROE) | 3.7102% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.7102% | 3,715 |
| Net charge-offs to loans | 0.0488% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -1.5997% | 3,726 |
| Efficiency ratio | 100.9501% | 165 |
| Assets per employee ($millions) | 3.9118% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7887% | 187 |
| Loan loss allowance to noncurrent loans | 217.7515% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 1,688 |
| Noncurrent loans to loans | 1.2807% | 1,496 |
| Net loans and leases to total assets | 29.8118% | 5,503 |
| Net loans and leases to deposits | 34.2656% | 5,522 |
| Net loans and leases to core deposits | 37.7928% | 5,494 |
| Total domestic deposits to total assets | 87.0021% | 1,876 |
| Equity capital to assets | 9.4771% | 4,467 |
| Core capital (leverage) ratio | 9.6747% | 3,962 |
| Tier 1 risk-based capital ratio | 22.2026% | 1,025 |
| Total risk-based capital ratio | 23.4566% | 1,003 |
| Memoranda: | ||
| Average total assets | $43,045,500 | 5,345 |
| Average earning assets | $40,028,000 | 5,331 |
| Average equity | $3,989,000 | 5,478 |
| Average total loans | $13,668,750 | 5,534 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1336% | 5,320 |
| Cost of funding earning assets | 0.1299% | 5,444 |
| Net interest margin | 3.0036% | 4,906 |
| Noninterest income to average assets | -0.3577% | 5,774 |
| Noninterest expense to average assets | 2.5319% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0842% | 5,584 |
| Return on assets (ROA) | 0.0883% | 5,509 |
| Pretax return on assets | 0.1719% | 5,451 |
| Return on Equity (ROE) | 0.9598% | 5,478 |
| Retained earnings to average equity (ytd only) | 0.9598% | 4,852 |
| Net charge-offs to loans | 0.0723% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -4.2000% | 3,458 |
| Efficiency ratio | 104.0076% | 151 |
| Assets per employee ($millions) | 3.9402% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7385% | 213 |
| Loan loss allowance to noncurrent loans | 172.7700% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,575 |
| Noncurrent loans to loans | 1.5851% | 1,166 |
| Net loans and leases to total assets | 30.1555% | 5,540 |
| Net loans and leases to deposits | 34.1699% | 5,569 |
| Net loans and leases to core deposits | 38.3195% | 5,536 |
| Total domestic deposits to total assets | 88.2516% | 1,331 |
| Equity capital to assets | 9.4343% | 4,477 |
| Core capital (leverage) ratio | 9.5425% | 4,080 |
| Tier 1 risk-based capital ratio | 21.0267% | 1,175 |
| Total risk-based capital ratio | 22.2828% | 1,152 |
| Memoranda: | ||
| Average total assets | $43,050,670 | 5,391 |
| Average earning assets | $40,018,330 | 5,370 |
| Average equity | $3,959,330 | 5,525 |
| Average total loans | $13,826,330 | 5,578 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0749% | 5,391 |
| Cost of funding earning assets | 0.1302% | 5,486 |
| Net interest margin | 2.9447% | 5,003 |
| Noninterest income to average assets | 0.2424% | 4,796 |
| Noninterest expense to average assets | 2.6197% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2858% | 5,227 |
| Return on assets (ROA) | 0.6713% | 3,868 |
| Pretax return on assets | 0.8577% | 3,908 |
| Return on Equity (ROE) | 7.3950% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.3950% | 1,695 |
| Net charge-offs to loans | 0.0285% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,054 |
| Efficiency ratio | 87.8125% | 672 |
| Assets per employee ($millions) | 3.9797% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8255% | 218 |
| Loan loss allowance to noncurrent loans | 1,162.5000% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 1,924 |
| Noncurrent loans to loans | 0.2431% | 4,238 |
| Net loans and leases to total assets | 29.2254% | 5,603 |
| Net loans and leases to deposits | 33.1459% | 5,634 |
| Net loans and leases to core deposits | 36.9246% | 5,604 |
| Total domestic deposits to total assets | 88.1719% | 1,610 |
| Equity capital to assets | 9.0458% | 4,766 |
| Core capital (leverage) ratio | 9.2750% | 4,373 |
| Tier 1 risk-based capital ratio | 20.8579% | 1,236 |
| Total risk-based capital ratio | 22.1132% | 1,214 |
| Memoranda: | ||
| Average total assets | $42,905,000 | 5,450 |
| Average earning assets | $39,936,000 | 5,434 |
| Average equity | $3,894,500 | 5,594 |
| Average total loans | $14,020,500 | 5,635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0916% | 5,412 |
| Cost of funding earning assets | 0.1551% | 5,385 |
| Net interest margin | 2.9365% | 5,070 |
| Noninterest income to average assets | 0.2741% | 4,777 |
| Noninterest expense to average assets | 2.4650% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5279% | 4,518 |
| Return on assets (ROA) | 0.7867% | 3,472 |
| Pretax return on assets | 0.8224% | 4,121 |
| Return on Equity (ROE) | 8.5348% | 2,649 |
| Retained earnings to average equity (ytd only) | 4.4246% | 2,766 |
| Net charge-offs to loans | 0.2373% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2941% | 3,037 |
| Efficiency ratio | 81.6839% | 1,240 |
| Assets per employee ($millions) | 3.8212% | 4,264 |
| Cash dividends to net income (ytd only)* | 48.1586% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5008% | 313 |
| Loan loss allowance to noncurrent loans | 320.6897% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 1,514 |
| Noncurrent loans to loans | 0.7798% | 2,572 |
| Net loans and leases to total assets | 34.5038% | 5,538 |
| Net loans and leases to deposits | 39.1085% | 5,571 |
| Net loans and leases to core deposits | 43.5722% | 5,500 |
| Total domestic deposits to total assets | 88.2259% | 1,520 |
| Equity capital to assets | 9.1095% | 4,694 |
| Core capital (leverage) ratio | 9.2215% | 4,451 |
| Tier 1 risk-based capital ratio | 19.0602% | 1,582 |
| Total risk-based capital ratio | 20.3129% | 1,543 |
| Memoranda: | ||
| Average total assets | $44,868,600 | 5,444 |
| Average earning assets | $41,920,400 | 5,423 |
| Average equity | $4,136,000 | 5,623 |
| Average total loans | $14,326,000 | 5,675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0634% | 5,511 |
| Cost of funding earning assets | 0.1596% | 5,420 |
| Net interest margin | 2.9038% | 5,185 |
| Noninterest income to average assets | 0.2750% | 4,806 |
| Noninterest expense to average assets | 2.4602% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5190% | 4,626 |
| Return on assets (ROA) | 0.8659% | 3,197 |
| Pretax return on assets | 0.8835% | 4,037 |
| Return on Equity (ROE) | 9.3682% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.5702% | 2,445 |
| Net charge-offs to loans | 0.3289% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.1710% | 3,165 |
| Efficiency ratio | 82.2896% | 1,160 |
| Assets per employee ($millions) | 3.9233% | 4,090 |
| Cash dividends to net income (ytd only)* | 40.5412% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 2,074 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 34.2872% | 5,615 |
| Net loans and leases to deposits | 40.1929% | 5,628 |
| Net loans and leases to core deposits | 44.7485% | 5,556 |
| Total domestic deposits to total assets | 85.3068% | 2,674 |
| Equity capital to assets | 10.0774% | 4,060 |
| Core capital (leverage) ratio | 8.8673% | 4,984 |
| Tier 1 risk-based capital ratio | 18.7850% | 1,716 |
| Total risk-based capital ratio | 20.0401% | 1,682 |
| Memoranda: | ||
| Average total assets | $45,577,500 | 5,482 |
| Average earning assets | $42,610,000 | 5,466 |
| Average equity | $4,212,750 | 5,668 |
| Average total loans | $14,188,750 | 5,734 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0153% | 5,632 |
| Cost of funding earning assets | 0.1568% | 5,502 |
| Net interest margin | 2.8585% | 5,335 |
| Noninterest income to average assets | 0.2716% | 4,841 |
| Noninterest expense to average assets | 2.3887% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5476% | 4,493 |
| Return on assets (ROA) | 0.9701% | 2,663 |
| Pretax return on assets | 0.9831% | 3,646 |
| Return on Equity (ROE) | 10.7983% | 1,721 |
| Retained earnings to average equity (ytd only) | 5.0392% | 2,712 |
| Net charge-offs to loans | 0.0289% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 833 |
| Efficiency ratio | 81.1127% | 1,372 |
| Assets per employee ($millions) | 4.5923% | 2,874 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8779% | 229 |
| Loan loss allowance to noncurrent loans | 519.2308% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 2,122 |
| Noncurrent loans to loans | 0.5543% | 3,404 |
| Net loans and leases to total assets | 29.7629% | 5,784 |
| Net loans and leases to deposits | 35.1290% | 5,804 |
| Net loans and leases to core deposits | 39.7950% | 5,751 |
| Total domestic deposits to total assets | 84.7244% | 2,989 |
| Equity capital to assets | 9.5203% | 4,752 |
| Core capital (leverage) ratio | 8.6798% | 5,185 |
| Tier 1 risk-based capital ratio | 19.3170% | 1,621 |
| Total risk-based capital ratio | 20.5726% | 1,582 |
| Memoranda: | ||
| Average total assets | $46,384,670 | 5,535 |
| Average earning assets | $43,379,330 | 5,508 |
| Average equity | $4,167,330 | 5,741 |
| Average total loans | $13,862,000 | 5,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0165% | 5,673 |
| Cost of funding earning assets | 0.1563% | 5,563 |
| Net interest margin | 2.8602% | 5,384 |
| Noninterest income to average assets | 0.2917% | 4,637 |
| Noninterest expense to average assets | 2.3855% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6950% | 3,739 |
| Return on assets (ROA) | 0.6950% | 3,849 |
| Pretax return on assets | 0.5749% | 4,888 |
| Return on Equity (ROE) | 7.9705% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.5105% | 2,638 |
| Net charge-offs to loans | 0.0582% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,116 |
| Efficiency ratio | 80.5797% | 1,537 |
| Assets per employee ($millions) | 4.2005% | 3,590 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0456% | 215 |
| Loan loss allowance to noncurrent loans | 487.9518% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 2,176 |
| Noncurrent loans to loans | 0.6242% | 3,305 |
| Net loans and leases to total assets | 27.9039% | 5,877 |
| Net loans and leases to deposits | 32.1497% | 5,897 |
| Net loans and leases to core deposits | 36.4291% | 5,850 |
| Total domestic deposits to total assets | 86.7936% | 2,300 |
| Equity capital to assets | 9.0098% | 5,163 |
| Core capital (leverage) ratio | 8.4288% | 5,457 |
| Tier 1 risk-based capital ratio | 20.3332% | 1,436 |
| Total risk-based capital ratio | 21.5933% | 1,408 |
| Memoranda: | ||
| Average total assets | $46,615,500 | 5,584 |
| Average earning assets | $43,493,500 | 5,559 |
| Average equity | $4,065,000 | 5,803 |
| Average total loans | $13,756,500 | 5,880 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9685% | 5,753 |
| Cost of funding earning assets | 0.1395% | 5,757 |
| Net interest margin | 2.8291% | 5,465 |
| Noninterest income to average assets | 0.3048% | 4,704 |
| Noninterest expense to average assets | 2.4514% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4479% | 4,888 |
| Return on assets (ROA) | 0.5685% | 4,514 |
| Pretax return on assets | 0.6139% | 4,798 |
| Return on Equity (ROE) | 6.8170% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.1322% | 2,328 |
| Net charge-offs to loans | -0.0157% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5052% | 1,223 |
| Assets per employee ($millions) | 4.2751% | 3,442 |
| Cash dividends to net income (ytd only)* | 24.7148% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8632% | 268 |
| Loan loss allowance to noncurrent loans | 478.8235% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 2,192 |
| Noncurrent loans to loans | 0.5980% | 3,380 |
| Net loans and leases to total assets | 29.3625% | 5,908 |
| Net loans and leases to deposits | 36.1097% | 5,885 |
| Net loans and leases to core deposits | 40.5760% | 5,803 |
| Total domestic deposits to total assets | 81.3146% | 4,398 |
| Equity capital to assets | 8.4358% | 5,614 |
| Core capital (leverage) ratio | 8.3567% | 5,564 |
| Tier 1 risk-based capital ratio | 18.3618% | 1,868 |
| Total risk-based capital ratio | 19.6164% | 1,817 |
| Memoranda: | ||
| Average total assets | $46,258,400 | 5,626 |
| Average earning assets | $43,017,800 | 5,607 |
| Average equity | $3,858,000 | 5,879 |
| Average total loans | $12,733,000 | 5,958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9670% | 5,835 |
| Cost of funding earning assets | 0.1370% | 5,873 |
| Net interest margin | 2.8300% | 5,530 |
| Noninterest income to average assets | 0.2981% | 4,807 |
| Noninterest expense to average assets | 2.4341% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4575% | 4,944 |
| Return on assets (ROA) | 0.6136% | 4,422 |
| Pretax return on assets | 0.6628% | 4,796 |
| Return on Equity (ROE) | 7.3787% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.9866% | 2,261 |
| Net charge-offs to loans | -0.0108% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1028% | 1,253 |
| Assets per employee ($millions) | 3.8503% | 4,178 |
| Cash dividends to net income (ytd only)* | 18.8672% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1526% | 208 |
| Loan loss allowance to noncurrent loans | 222.4044% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 1,905 |
| Noncurrent loans to loans | 1.4175% | 1,788 |
| Net loans and leases to total assets | 27.0604% | 6,047 |
| Net loans and leases to deposits | 32.7347% | 6,041 |
| Net loans and leases to core deposits | 36.2942% | 6,009 |
| Total domestic deposits to total assets | 82.6660% | 3,935 |
| Equity capital to assets | 8.5252% | 5,698 |
| Core capital (leverage) ratio | 8.3596% | 5,666 |
| Tier 1 risk-based capital ratio | 19.0261% | 1,770 |
| Total risk-based capital ratio | 20.2845% | 1,734 |
| Memoranda: | ||
| Average total assets | $46,066,500 | 5,704 |
| Average earning assets | $42,825,500 | 5,684 |
| Average equity | $3,830,750 | 5,964 |
| Average total loans | $12,362,500 | 6,045 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9117% | 5,937 |
| Cost of funding earning assets | 0.1395% | 5,922 |
| Net interest margin | 2.7722% | 5,671 |
| Noninterest income to average assets | 0.2999% | 4,810 |
| Noninterest expense to average assets | 2.3511% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5115% | 4,718 |
| Return on assets (ROA) | 0.6519% | 4,227 |
| Pretax return on assets | 0.6866% | 4,701 |
| Return on Equity (ROE) | 7.9058% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.9058% | 1,307 |
| Net charge-offs to loans | 0.0164% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 508 |
| Efficiency ratio | 81.3534% | 1,578 |
| Assets per employee ($millions) | 4.2145% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2299% | 212 |
| Loan loss allowance to noncurrent loans | 486.7470% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 2,499 |
| Noncurrent loans to loans | 0.6636% | 3,486 |
| Net loans and leases to total assets | 26.1087% | 6,132 |
| Net loans and leases to deposits | 30.8390% | 6,137 |
| Net loans and leases to core deposits | 33.9010% | 6,110 |
| Total domestic deposits to total assets | 84.6613% | 3,265 |
| Equity capital to assets | 8.1903% | 5,884 |
| Core capital (leverage) ratio | 8.1501% | 5,831 |
| Tier 1 risk-based capital ratio | 19.1017% | 1,773 |
| Total risk-based capital ratio | 20.3577% | 1,740 |
| Memoranda: | ||
| Average total assets | $46,020,670 | 5,768 |
| Average earning assets | $42,999,000 | 5,739 |
| Average equity | $3,794,670 | 6,032 |
| Average total loans | $12,180,000 | 6,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8801% | 6,012 |
| Cost of funding earning assets | 0.1403% | 5,994 |
| Net interest margin | 2.7398% | 5,752 |
| Noninterest income to average assets | 0.3053% | 4,747 |
| Noninterest expense to average assets | 2.4078% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4275% | 4,961 |
| Return on assets (ROA) | 0.4275% | 5,086 |
| Pretax return on assets | 0.4536% | 5,307 |
| Return on Equity (ROE) | 5.1667% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.1667% | 2,964 |
| Net charge-offs to loans | -0.0333% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1463% | 1,366 |
| Assets per employee ($millions) | 4.7603% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5431% | 177 |
| Loan loss allowance to noncurrent loans | 490.3614% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 2,649 |
| Noncurrent loans to loans | 0.7226% | 3,454 |
| Net loans and leases to total assets | 23.2758% | 6,228 |
| Net loans and leases to deposits | 25.9327% | 6,250 |
| Net loans and leases to core deposits | 29.4814% | 6,218 |
| Total domestic deposits to total assets | 89.7548% | 869 |
| Equity capital to assets | 8.1781% | 5,948 |
| Core capital (leverage) ratio | 7.9565% | 5,965 |
| Tier 1 risk-based capital ratio | 19.0280% | 1,859 |
| Total risk-based capital ratio | 20.2880% | 1,816 |
| Memoranda: | ||
| Average total assets | $45,851,000 | 5,824 |
| Average earning assets | $42,776,500 | 5,790 |
| Average equity | $3,793,500 | 6,086 |
| Average total loans | $12,016,000 | 6,174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0187% | 6,045 |
| Cost of funding earning assets | 0.1524% | 6,086 |
| Net interest margin | 2.8663% | 5,703 |
| Noninterest income to average assets | 0.2845% | 5,087 |
| Noninterest expense to average assets | 2.5302% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4897% | 4,847 |
| Return on assets (ROA) | 0.5807% | 4,540 |
| Pretax return on assets | 0.5200% | 5,197 |
| Return on Equity (ROE) | 7.1330% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.4169% | 1,702 |
| Net charge-offs to loans | -0.0312% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5004% | 1,233 |
| Assets per employee ($millions) | 4.4099% | 3,173 |
| Cash dividends to net income (ytd only)* | 10.0402% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2284% | 233 |
| Loan loss allowance to noncurrent loans | 482.1429% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 2,617 |
| Noncurrent loans to loans | 0.6696% | 3,673 |
| Net loans and leases to total assets | 27.5290% | 6,246 |
| Net loans and leases to deposits | 30.7638% | 6,281 |
| Net loans and leases to core deposits | 34.1770% | 6,236 |
| Total domestic deposits to total assets | 89.4850% | 981 |
| Equity capital to assets | 8.3766% | 5,846 |
| Core capital (leverage) ratio | 8.1271% | 5,907 |
| Tier 1 risk-based capital ratio | 19.2393% | 1,785 |
| Total risk-based capital ratio | 20.4984% | 1,750 |
| Memoranda: | ||
| Average total assets | $42,881,400 | 5,954 |
| Average earning assets | $40,017,000 | 5,918 |
| Average equity | $3,490,800 | 6,184 |
| Average total loans | $12,811,000 | 6,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0247% | 6,111 |
| Cost of funding earning assets | 0.1542% | 6,163 |
| Net interest margin | 2.8705% | 5,762 |
| Noninterest income to average assets | 0.2662% | 5,300 |
| Noninterest expense to average assets | 2.5397% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5230% | 4,784 |
| Return on assets (ROA) | 0.5324% | 4,821 |
| Pretax return on assets | 0.4165% | 5,545 |
| Return on Equity (ROE) | 6.5890% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.6201% | 2,653 |
| Net charge-offs to loans | -0.0311% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1849% | 1,166 |
| Assets per employee ($millions) | 4.4208% | 3,103 |
| Cash dividends to net income (ytd only)* | 14.7048% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0537% | 344 |
| Loan loss allowance to noncurrent loans | 486.7470% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 2,837 |
| Noncurrent loans to loans | 0.6274% | 4,043 |
| Net loans and leases to total assets | 29.0128% | 6,286 |
| Net loans and leases to deposits | 32.3464% | 6,336 |
| Net loans and leases to core deposits | 35.7948% | 6,284 |
| Total domestic deposits to total assets | 89.6942% | 878 |
| Equity capital to assets | 8.1365% | 6,052 |
| Core capital (leverage) ratio | 8.3736% | 5,785 |
| Tier 1 risk-based capital ratio | 19.2532% | 1,838 |
| Total risk-based capital ratio | 20.5141% | 1,808 |
| Memoranda: | ||
| Average total assets | $42,577,000 | 6,035 |
| Average earning assets | $39,760,250 | 5,994 |
| Average equity | $3,440,000 | 6,258 |
| Average total loans | $12,877,500 | 6,303 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 6,135 |
| Cost of funding earning assets | 0.1579% | 6,213 |
| Net interest margin | 2.8923% | 5,748 |
| Noninterest income to average assets | 0.2665% | 5,297 |
| Noninterest expense to average assets | 2.5171% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6233% | 4,230 |
| Return on assets (ROA) | 0.6376% | 4,268 |
| Pretax return on assets | 0.4663% | 5,373 |
| Return on Equity (ROE) | 7.9110% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.4351% | 2,074 |
| Net charge-offs to loans | 0.0157% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 575 |
| Efficiency ratio | 84.7756% | 1,415 |
| Assets per employee ($millions) | 3.8857% | 4,094 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0462% | 364 |
| Loan loss allowance to noncurrent loans | 84.9257% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 2,865 |
| Noncurrent loans to loans | 3.5869% | 730 |
| Net loans and leases to total assets | 29.7850% | 6,316 |
| Net loans and leases to deposits | 33.9792% | 6,345 |
| Net loans and leases to core deposits | 36.7491% | 6,312 |
| Total domestic deposits to total assets | 87.6565% | 2,111 |
| Equity capital to assets | 8.3148% | 5,943 |
| Core capital (leverage) ratio | 8.3359% | 5,813 |
| Tier 1 risk-based capital ratio | 20.0204% | 1,679 |
| Total risk-based capital ratio | 21.2823% | 1,648 |
| Memoranda: | ||
| Average total assets | $42,033,330 | 6,108 |
| Average earning assets | $39,277,000 | 6,067 |
| Average equity | $3,387,670 | 6,315 |
| Average total loans | $12,760,000 | 6,362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9897% | 6,252 |
| Cost of funding earning assets | 0.1638% | 6,276 |
| Net interest margin | 2.8258% | 5,885 |
| Noninterest income to average assets | 0.2687% | 5,215 |
| Noninterest expense to average assets | 2.6297% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6910% | 3,733 |
| Return on assets (ROA) | 0.6910% | 3,810 |
| Pretax return on assets | 0.2879% | 5,744 |
| Return on Equity (ROE) | 8.7154% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.6892% | 2,696 |
| Net charge-offs to loans | -0.0954% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1316% | 1,026 |
| Assets per employee ($millions) | 3.8849% | 4,164 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2518% | 347 |
| Loan loss allowance to noncurrent loans | 84.5188% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 3,020 |
| Noncurrent loans to loans | 3.8474% | 718 |
| Net loans and leases to total assets | 28.1275% | 6,409 |
| Net loans and leases to deposits | 31.3176% | 6,449 |
| Net loans and leases to core deposits | 33.3343% | 6,423 |
| Total domestic deposits to total assets | 89.8137% | 1,175 |
| Equity capital to assets | 7.9281% | 6,099 |
| Core capital (leverage) ratio | 8.3241% | 5,827 |
| Tier 1 risk-based capital ratio | 21.0942% | 1,455 |
| Total risk-based capital ratio | 22.3572% | 1,433 |
| Memoranda: | ||
| Average total assets | $41,678,500 | 6,175 |
| Average earning assets | $39,068,000 | 6,128 |
| Average equity | $3,304,500 | 6,390 |
| Average total loans | $12,574,500 | 6,433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8391% | 6,472 |
| Cost of funding earning assets | 0.2058% | 6,254 |
| Net interest margin | 2.6333% | 6,223 |
| Noninterest income to average assets | 0.3072% | 5,140 |
| Noninterest expense to average assets | 2.5816% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2194% | 5,778 |
| Return on assets (ROA) | 0.3364% | 5,493 |
| Pretax return on assets | 0.3072% | 5,718 |
| Return on Equity (ROE) | 4.0332% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,322 |
| Net charge-offs to loans | -0.3661% | 6,696 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1398% | 797 |
| Assets per employee ($millions) | 3.6930% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1513% | 393 |
| Loan loss allowance to noncurrent loans | 99.5037% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 3,433 |
| Noncurrent loans to loans | 3.1670% | 1,080 |
| Net loans and leases to total assets | 30.3375% | 6,447 |
| Net loans and leases to deposits | 35.3123% | 6,452 |
| Net loans and leases to core deposits | 36.7059% | 6,450 |
| Total domestic deposits to total assets | 85.9119% | 3,304 |
| Equity capital to assets | 7.9290% | 6,070 |
| Core capital (leverage) ratio | 8.5732% | 5,576 |
| Tier 1 risk-based capital ratio | 21.4290% | 1,352 |
| Total risk-based capital ratio | 22.6918% | 1,327 |
| Memoranda: | ||
| Average total assets | $41,021,400 | 6,264 |
| Average earning assets | $38,392,200 | 6,212 |
| Average equity | $3,421,600 | 6,449 |
| Average total loans | $11,745,800 | 6,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 6,591 |
| Cost of funding earning assets | 0.2149% | 6,319 |
| Net interest margin | 2.5515% | 6,378 |
| Noninterest income to average assets | 0.2951% | 5,340 |
| Noninterest expense to average assets | 2.5907% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1362% | 6,063 |
| Return on assets (ROA) | 0.2918% | 5,753 |
| Pretax return on assets | 0.2464% | 5,973 |
| Return on Equity (ROE) | 3.4565% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.4565% | 4,230 |
| Net charge-offs to loans | -0.4637% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6143% | 591 |
| Assets per employee ($millions) | 3.5823% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5137% | 336 |
| Loan loss allowance to noncurrent loans | 97.3105% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 3,469 |
| Noncurrent loans to loans | 3.6108% | 1,038 |
| Net loans and leases to total assets | 27.7351% | 6,604 |
| Net loans and leases to deposits | 31.8018% | 6,624 |
| Net loans and leases to core deposits | 32.0348% | 6,646 |
| Total domestic deposits to total assets | 87.2123% | 2,558 |
| Equity capital to assets | 8.2502% | 5,956 |
| Core capital (leverage) ratio | 8.4312% | 5,829 |
| Tier 1 risk-based capital ratio | 23.2723% | 1,099 |
| Total risk-based capital ratio | 24.5388% | 1,080 |
| Memoranda: | ||
| Average total assets | $41,121,000 | 6,328 |
| Average earning assets | $38,460,750 | 6,289 |
| Average equity | $3,471,750 | 6,513 |
| Average total loans | $11,501,000 | 6,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7621% | 6,625 |
| Cost of funding earning assets | 0.2148% | 6,405 |
| Net interest margin | 2.5472% | 6,393 |
| Noninterest income to average assets | 0.2734% | 5,494 |
| Noninterest expense to average assets | 2.4752% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1751% | 5,967 |
| Return on assets (ROA) | 0.2878% | 5,782 |
| Pretax return on assets | 0.3070% | 5,862 |
| Return on Equity (ROE) | 3.3847% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.3847% | 4,165 |
| Net charge-offs to loans | -0.1038% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9730% | 819 |
| Assets per employee ($millions) | 3.8129% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1325% | 508 |
| Loan loss allowance to noncurrent loans | 56.0863% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 2,788 |
| Noncurrent loans to loans | 5.5852% | 542 |
| Net loans and leases to total assets | 26.8371% | 6,660 |
| Net loans and leases to deposits | 31.4818% | 6,667 |
| Net loans and leases to core deposits | 31.7035% | 6,689 |
| Total domestic deposits to total assets | 85.2463% | 3,770 |
| Equity capital to assets | 7.7631% | 6,335 |
| Core capital (leverage) ratio | 7.7826% | 6,317 |
| Tier 1 risk-based capital ratio | 22.2799% | 1,240 |
| Total risk-based capital ratio | 23.5435% | 1,217 |
| Memoranda: | ||
| Average total assets | $41,693,000 | 6,356 |
| Average earning assets | $39,101,330 | 6,310 |
| Average equity | $3,545,330 | 6,553 |
| Average total loans | $11,559,000 | 6,649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7382% | 6,718 |
| Cost of funding earning assets | 0.2265% | 6,434 |
| Net interest margin | 2.5117% | 6,496 |
| Noninterest income to average assets | 0.2694% | 5,526 |
| Noninterest expense to average assets | 2.3960% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2213% | 5,816 |
| Return on assets (ROA) | 0.3560% | 5,467 |
| Pretax return on assets | 0.3560% | 5,701 |
| Return on Equity (ROE) | 4.0108% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.0108% | 3,828 |
| Net charge-offs to loans | -0.0694% | 6,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5441% | 1,023 |
| Assets per employee ($millions) | 3.8520% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3034% | 491 |
| Loan loss allowance to noncurrent loans | 76.1099% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 3,705 |
| Noncurrent loans to loans | 4.3402% | 988 |
| Net loans and leases to total assets | 24.8702% | 6,752 |
| Net loans and leases to deposits | 28.1878% | 6,780 |
| Net loans and leases to core deposits | 28.3775% | 6,791 |
| Total domestic deposits to total assets | 88.2304% | 2,174 |
| Equity capital to assets | 8.6826% | 5,827 |
| Core capital (leverage) ratio | 7.9724% | 6,171 |
| Tier 1 risk-based capital ratio | 22.3837% | 1,262 |
| Total risk-based capital ratio | 23.6490% | 1,240 |
| Memoranda: | ||
| Average total assets | $41,568,500 | 6,417 |
| Average earning assets | $38,857,500 | 6,372 |
| Average equity | $3,690,000 | 6,589 |
| Average total loans | $11,528,500 | 6,718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 6,605 |
| Cost of funding earning assets | 0.2568% | 6,643 |
| Net interest margin | 3.0227% | 6,001 |
| Noninterest income to average assets | 0.2679% | 5,538 |
| Noninterest expense to average assets | 2.7221% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4044% | 5,086 |
| Return on assets (ROA) | 0.5839% | 4,571 |
| Pretax return on assets | 0.5510% | 5,130 |
| Return on Equity (ROE) | 6.3493% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.5522% | 2,348 |
| Net charge-offs to loans | -0.1165% | 6,855 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9902% | 1,245 |
| Assets per employee ($millions) | 3.7059% | 4,546 |
| Cash dividends to net income (ytd only)* | 12.5541% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9443% | 696 |
| Loan loss allowance to noncurrent loans | 83.8407% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 3,939 |
| Noncurrent loans to loans | 3.5118% | 1,415 |
| Net loans and leases to total assets | 28.9489% | 6,735 |
| Net loans and leases to deposits | 32.8453% | 6,765 |
| Net loans and leases to core deposits | 32.8453% | 6,794 |
| Total domestic deposits to total assets | 88.1369% | 2,138 |
| Equity capital to assets | 9.0789% | 5,429 |
| Core capital (leverage) ratio | 8.0363% | 6,161 |
| Tier 1 risk-based capital ratio | 20.6166% | 1,544 |
| Total risk-based capital ratio | 21.8762% | 1,510 |
| Memoranda: | ||
| Average total assets | $39,564,800 | 6,514 |
| Average earning assets | $36,987,400 | 6,470 |
| Average equity | $3,638,200 | 6,653 |
| Average total loans | $12,015,800 | 6,779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 6,701 |
| Cost of funding earning assets | 0.2608% | 6,767 |
| Net interest margin | 3.0710% | 6,009 |
| Noninterest income to average assets | 0.2615% | 5,694 |
| Noninterest expense to average assets | 2.6962% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5127% | 4,795 |
| Return on assets (ROA) | 0.7538% | 3,928 |
| Pretax return on assets | 0.6859% | 4,906 |
| Return on Equity (ROE) | 8.1709% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.1037% | 2,061 |
| Net charge-offs to loans | -0.1225% | 6,905 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8378% | 1,393 |
| Assets per employee ($millions) | 3.7858% | 4,337 |
| Cash dividends to net income (ytd only)* | 13.0646% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9098% | 792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.4435% | 6,864 |
| Net loans and leases to deposits | 32.1927% | 6,909 |
| Net loans and leases to core deposits | 32.1927% | 6,932 |
| Total domestic deposits to total assets | 88.3537% | 1,808 |
| Equity capital to assets | 8.9641% | 5,859 |
| Core capital (leverage) ratio | 8.4215% | 5,873 |
| Tier 1 risk-based capital ratio | 19.9878% | 1,761 |
| Total risk-based capital ratio | 21.2492% | 1,731 |
| Memoranda: | ||
| Average total assets | $39,264,750 | 6,607 |
| Average earning assets | $36,816,750 | 6,552 |
| Average equity | $3,622,500 | 6,738 |
| Average total loans | $11,980,000 | 6,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 6,704 |
| Cost of funding earning assets | 0.2659% | 6,849 |
| Net interest margin | 3.1631% | 5,839 |
| Noninterest income to average assets | 0.2859% | 5,522 |
| Noninterest expense to average assets | 2.7449% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6186% | 4,287 |
| Return on assets (ROA) | 0.7122% | 4,070 |
| Pretax return on assets | 0.6030% | 5,122 |
| Return on Equity (ROE) | 7.6415% | 3,424 |
| Retained earnings to average equity (ytd only) | 6.0240% | 2,701 |
| Net charge-offs to loans | -0.1344% | 6,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3450% | 1,595 |
| Assets per employee ($millions) | 3.5685% | 4,820 |
| Cash dividends to net income (ytd only)* | 21.1679% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0215% | 764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.7825% | 6,913 |
| Net loans and leases to deposits | 32.8669% | 6,944 |
| Net loans and leases to core deposits | 32.8669% | 6,974 |
| Total domestic deposits to total assets | 87.5729% | 2,418 |
| Equity capital to assets | 9.2706% | 5,360 |
| Core capital (leverage) ratio | 8.2328% | 6,012 |
| Tier 1 risk-based capital ratio | 20.6876% | 1,533 |
| Total risk-based capital ratio | 21.9503% | 1,513 |
| Memoranda: | ||
| Average total assets | $38,471,670 | 6,671 |
| Average earning assets | $36,103,670 | 6,618 |
| Average equity | $3,585,670 | 6,786 |
| Average total loans | $11,906,670 | 6,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 6,714 |
| Cost of funding earning assets | 0.2906% | 6,870 |
| Net interest margin | 3.1963% | 5,790 |
| Noninterest income to average assets | 0.2731% | 5,684 |
| Noninterest expense to average assets | 2.7415% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8193% | 3,302 |
| Return on assets (ROA) | 1.0084% | 2,636 |
| Pretax return on assets | 0.7248% | 4,707 |
| Return on Equity (ROE) | 10.7895% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.7895% | 1,091 |
| Net charge-offs to loans | -0.0997% | 6,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6538% | 1,723 |
| Assets per employee ($millions) | 3.5747% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9678% | 859 |
| Loan loss allowance to noncurrent loans | 1,054.5455% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,679 |
| Noncurrent loans to loans | 0.2814% | 6,117 |
| Net loans and leases to total assets | 28.9355% | 6,946 |
| Net loans and leases to deposits | 32.4974% | 6,997 |
| Net loans and leases to core deposits | 32.4974% | 7,028 |
| Total domestic deposits to total assets | 89.0392% | 1,673 |
| Equity capital to assets | 9.1806% | 5,260 |
| Core capital (leverage) ratio | 8.3712% | 5,774 |
| Tier 1 risk-based capital ratio | 20.5670% | 1,575 |
| Total risk-based capital ratio | 21.8262% | 1,551 |
| Memoranda: | ||
| Average total assets | $38,081,000 | 6,733 |
| Average earning assets | $35,791,000 | 6,678 |
| Average equity | $3,559,000 | 6,833 |
| Average total loans | $12,035,000 | 6,985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 6,481 |
| Cost of funding earning assets | 0.3822% | 6,936 |
| Net interest margin | 3.6040% | 4,715 |
| Noninterest income to average assets | 0.3450% | 5,049 |
| Noninterest expense to average assets | 2.9677% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6825% | 3,567 |
| Return on assets (ROA) | 0.8415% | 3,024 |
| Pretax return on assets | 0.9397% | 3,469 |
| Return on Equity (ROE) | 9.0236% | 2,432 |
| Retained earnings to average equity (ytd only) | 5.8353% | 2,111 |
| Net charge-offs to loans | -0.9882% | 7,305 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5489% | 2,367 |
| Assets per employee ($millions) | 3.3491% | 5,384 |
| Cash dividends to net income (ytd only)* | 35.3333% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7868% | 994 |
| 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 | 32.5733% | 6,928 |
| Net loans and leases to deposits | 37.2520% | 6,973 |
| Net loans and leases to core deposits | 37.2520% | 7,013 |
| Total domestic deposits to total assets | 87.4403% | 2,502 |
| Equity capital to assets | 9.5223% | 4,849 |
| Core capital (leverage) ratio | 8.2799% | 5,882 |
| Tier 1 risk-based capital ratio | 19.9871% | 1,647 |
| Total risk-based capital ratio | 21.2492% | 1,613 |
| Memoranda: | ||
| Average total assets | $35,650,200 | 6,808 |
| Average earning assets | $33,490,800 | 6,766 |
| Average equity | $3,324,600 | 6,926 |
| Average total loans | $12,345,200 | 7,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 6,493 |
| Cost of funding earning assets | 0.3972% | 7,026 |
| Net interest margin | 3.6593% | 4,531 |
| Noninterest income to average assets | 0.3470% | 5,087 |
| Noninterest expense to average assets | 2.8927% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7903% | 3,216 |
| Return on assets (ROA) | 0.9994% | 2,473 |
| Pretax return on assets | 1.1314% | 2,891 |
| Return on Equity (ROE) | 10.7761% | 1,936 |
| Retained earnings to average equity (ytd only) | 8.0110% | 1,504 |
| Net charge-offs to loans | -0.1836% | 7,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3944% | 2,783 |
| Assets per employee ($millions) | 3.2563% | 5,555 |
| Cash dividends to net income (ytd only)* | 25.6595% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 2,365 |
| Loan loss allowance to noncurrent loans | 403.3898% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 6,640 |
| Noncurrent loans to loans | 0.4926% | 5,864 |
| Net loans and leases to total assets | 32.7731% | 7,003 |
| Net loans and leases to deposits | 36.7844% | 7,065 |
| Net loans and leases to core deposits | 36.7844% | 7,099 |
| Total domestic deposits to total assets | 89.0952% | 1,375 |
| Equity capital to assets | 9.6569% | 4,841 |
| Core capital (leverage) ratio | 8.5051% | 5,707 |
| Tier 1 risk-based capital ratio | 20.3919% | 1,589 |
| Total risk-based capital ratio | 21.6453% | 1,562 |
| Memoranda: | ||
| Average total assets | $35,352,750 | 6,884 |
| Average earning assets | $33,229,250 | 6,838 |
| Average equity | $3,278,750 | 6,998 |
| Average total loans | $12,345,500 | 7,086 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 6,574 |
| Cost of funding earning assets | 0.4218% | 7,082 |
| Net interest margin | 3.6275% | 4,619 |
| Noninterest income to average assets | 0.3580% | 5,024 |
| Noninterest expense to average assets | 2.9718% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7892% | 3,122 |
| Return on assets (ROA) | 1.0342% | 2,188 |
| Pretax return on assets | 1.0569% | 3,019 |
| Return on Equity (ROE) | 11.3090% | 1,696 |
| Retained earnings to average equity (ytd only) | 8.4507% | 1,279 |
| Net charge-offs to loans | -0.2085% | 7,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6466% | 2,603 |
| Assets per employee ($millions) | 3.2545% | 5,514 |
| Cash dividends to net income (ytd only)* | 25.2747% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 2,580 |
| 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 | 33.3743% | 7,066 |
| Net loans and leases to deposits | 37.3632% | 7,138 |
| Net loans and leases to core deposits | 37.3632% | 7,187 |
| Total domestic deposits to total assets | 89.3240% | 1,346 |
| Equity capital to assets | 9.3715% | 5,032 |
| Core capital (leverage) ratio | 8.4242% | 5,673 |
| Tier 1 risk-based capital ratio | 17.3252% | 2,404 |
| Total risk-based capital ratio | 18.5774% | 2,376 |
| Memoranda: | ||
| Average total assets | $35,197,330 | 6,948 |
| Average earning assets | $33,191,000 | 6,899 |
| Average equity | $3,218,670 | 7,064 |
| Average total loans | $12,468,330 | 7,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 6,718 |
| Cost of funding earning assets | 0.4230% | 7,177 |
| Net interest margin | 3.5651% | 4,745 |
| Noninterest income to average assets | 0.2407% | 5,978 |
| Noninterest expense to average assets | 3.0261% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7680% | 3,184 |
| Return on assets (ROA) | 1.2724% | 1,389 |
| Pretax return on assets | 1.1004% | 2,754 |
| Return on Equity (ROE) | 14.0930% | 974 |
| Retained earnings to average equity (ytd only) | 14.0930% | 466 |
| Net charge-offs to loans | -0.1269% | 7,150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5443% | 2,007 |
| Assets per employee ($millions) | 3.2366% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,796 |
| 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 | 33.3624% | 7,115 |
| Net loans and leases to deposits | 36.9674% | 7,196 |
| Net loans and leases to core deposits | 36.9674% | 7,240 |
| Total domestic deposits to total assets | 90.2480% | 987 |
| Equity capital to assets | 8.9712% | 5,248 |
| Core capital (leverage) ratio | 8.6450% | 5,181 |
| Tier 1 risk-based capital ratio | 16.8347% | 2,536 |
| Total risk-based capital ratio | 18.0840% | 2,502 |
| Memoranda: | ||
| Average total assets | $34,896,000 | 7,009 |
| Average earning assets | $33,099,000 | 6,953 |
| Average equity | $3,150,500 | 7,128 |
| Average total loans | $12,611,000 | 7,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 6,464 |
| Cost of funding earning assets | 0.5604% | 7,207 |
| Net interest margin | 3.9102% | 3,439 |
| Noninterest income to average assets | 0.2798% | 5,776 |
| Noninterest expense to average assets | 3.3177% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6426% | 3,469 |
| Return on assets (ROA) | 0.6426% | 3,620 |
| Pretax return on assets | 0.6949% | 3,993 |
| Return on Equity (ROE) | 6.7822% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.6848% | 1,462 |
| Net charge-offs to loans | -0.1296% | 7,518 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6820% | 2,084 |
| Assets per employee ($millions) | 2.8491% | 6,441 |
| Cash dividends to net income (ytd only)* | 1.4354% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 3,241 |
| 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 | 37.7197% | 7,087 |
| Net loans and leases to deposits | 41.8769% | 7,188 |
| Net loans and leases to core deposits | 41.8769% | 7,262 |
| Total domestic deposits to total assets | 90.0728% | 1,053 |
| Equity capital to assets | 9.0877% | 5,008 |
| Core capital (leverage) ratio | 8.6738% | 5,065 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,659 |
| Total risk-based capital ratio | 17.4283% | 2,623 |
| Memoranda: | ||
| Average total assets | $32,523,000 | 7,129 |
| Average earning assets | $31,047,000 | 7,049 |
| Average equity | $3,081,600 | 7,254 |
| Average total loans | $12,343,200 | 7,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 6,491 |
| Cost of funding earning assets | 0.5975% | 7,300 |
| Net interest margin | 3.9429% | 3,346 |
| Noninterest income to average assets | 0.2824% | 5,854 |
| Noninterest expense to average assets | 3.2640% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7184% | 3,328 |
| Return on assets (ROA) | 0.7184% | 3,484 |
| Pretax return on assets | 0.7724% | 4,003 |
| Return on Equity (ROE) | 7.5005% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.5005% | 1,598 |
| Net charge-offs to loans | -0.1426% | 7,590 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8642% | 2,234 |
| Assets per employee ($millions) | 2.7290% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 3,053 |
| 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 | 37.9474% | 7,184 |
| Net loans and leases to deposits | 42.7868% | 7,282 |
| Net loans and leases to core deposits | 42.7868% | 7,355 |
| Total domestic deposits to total assets | 88.6894% | 1,568 |
| Equity capital to assets | 10.0037% | 4,152 |
| Core capital (leverage) ratio | 8.7717% | 5,062 |
| Tier 1 risk-based capital ratio | 16.5864% | 2,522 |
| Total risk-based capital ratio | 17.8391% | 2,473 |
| Memoranda: | ||
| Average total assets | $32,106,500 | 7,226 |
| Average earning assets | $30,568,750 | 7,153 |
| Average equity | $3,075,250 | 7,344 |
| Average total loans | $12,149,500 | 7,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 6,700 |
| Cost of funding earning assets | 0.6334% | 7,331 |
| Net interest margin | 3.8731% | 3,567 |
| Noninterest income to average assets | 0.3261% | 5,543 |
| Noninterest expense to average assets | 3.2233% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7400% | 3,236 |
| Return on assets (ROA) | 0.7400% | 3,385 |
| Pretax return on assets | 0.7839% | 3,934 |
| Return on Equity (ROE) | 7.8449% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.8449% | 1,494 |
| Net charge-offs to loans | -0.1502% | 7,610 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4382% | 2,381 |
| Assets per employee ($millions) | 2.7157% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 3,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.1214% | 7,265 |
| Net loans and leases to deposits | 42.8158% | 7,366 |
| Net loans and leases to core deposits | 42.8158% | 7,432 |
| Total domestic deposits to total assets | 89.0358% | 1,418 |
| Equity capital to assets | 9.5557% | 4,625 |
| Core capital (leverage) ratio | 8.7296% | 5,035 |
| Tier 1 risk-based capital ratio | 16.5731% | 2,449 |
| Total risk-based capital ratio | 17.8257% | 2,398 |
| Memoranda: | ||
| Average total assets | $31,892,670 | 7,285 |
| Average earning assets | $30,311,330 | 7,216 |
| Average equity | $3,008,330 | 7,412 |
| Average total loans | $11,984,000 | 7,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 6,973 |
| Cost of funding earning assets | 0.6802% | 7,379 |
| Net interest margin | 3.7345% | 4,081 |
| Noninterest income to average assets | 0.2663% | 6,024 |
| Noninterest expense to average assets | 3.1320% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7481% | 3,223 |
| Return on assets (ROA) | 0.7481% | 3,330 |
| Pretax return on assets | 0.6847% | 4,287 |
| Return on Equity (ROE) | 7.9851% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.9851% | 1,713 |
| Net charge-offs to loans | -0.2059% | 7,678 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0598% | 2,265 |
| Assets per employee ($millions) | 2.7112% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 7,299 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 34.3118% | 7,484 |
| Net loans and leases to deposits | 38.2059% | 7,573 |
| Net loans and leases to core deposits | 38.6023% | 7,613 |
| Total domestic deposits to total assets | 89.8076% | 1,081 |
| Equity capital to assets | 9.1750% | 5,024 |
| Core capital (leverage) ratio | 8.4850% | 5,402 |
| Tier 1 risk-based capital ratio | 15.9577% | 2,674 |
| Total risk-based capital ratio | 17.1897% | 2,624 |
| Memoranda: | ||
| Average total assets | $31,545,000 | 7,387 |
| Average earning assets | $29,990,500 | 7,319 |
| Average equity | $2,955,500 | 7,506 |
| Average total loans | $11,657,000 | 7,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 5,730 |
| Cost of funding earning assets | 0.8638% | 7,463 |
| Net interest margin | 4.3192% | 1,662 |
| Noninterest income to average assets | 0.2649% | 6,214 |
| Noninterest expense to average assets | 3.4071% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7266% | 2,824 |
| Return on assets (ROA) | 0.7679% | 2,740 |
| Pretax return on assets | 1.0027% | 2,580 |
| Return on Equity (ROE) | 8.1442% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.1442% | 664 |
| Net charge-offs to loans | -0.2318% | 7,917 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2140% | 3,157 |
| Assets per employee ($millions) | 2.7778% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,808 |
| Loan loss allowance to noncurrent loans | 420.4082% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 6,856 |
| Noncurrent loans to loans | 0.4104% | 6,455 |
| Net loans and leases to total assets | 38.3984% | 7,435 |
| Net loans and leases to deposits | 43.9389% | 7,520 |
| Net loans and leases to core deposits | 46.6502% | 7,652 |
| Total domestic deposits to total assets | 87.3904% | 2,271 |
| Equity capital to assets | 9.5759% | 4,305 |
| Core capital (leverage) ratio | 8.5825% | 5,131 |
| Tier 1 risk-based capital ratio | 15.9079% | 2,564 |
| Total risk-based capital ratio | 17.1275% | 2,506 |
| Memoranda: | ||
| Average total assets | $29,820,000 | 7,476 |
| Average earning assets | $28,246,000 | 7,422 |
| Average equity | $2,811,800 | 7,644 |
| Average total loans | $11,217,000 | 7,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 5,622 |
| Cost of funding earning assets | 0.8968% | 7,563 |
| Net interest margin | 4.3657% | 1,543 |
| Noninterest income to average assets | 0.2519% | 6,431 |
| Noninterest expense to average assets | 3.2932% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8068% | 2,783 |
| Return on assets (ROA) | 0.8593% | 2,645 |
| Pretax return on assets | 1.1697% | 2,357 |
| Return on Equity (ROE) | 9.1497% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.1497% | 805 |
| Net charge-offs to loans | -0.2899% | 7,995 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,692 |
| Assets per employee ($millions) | 2.7284% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,302 |
| Loan loss allowance to noncurrent loans | 208.1633% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 6,662 |
| Noncurrent loans to loans | 0.8612% | 5,573 |
| Net loans and leases to total assets | 37.2384% | 7,579 |
| Net loans and leases to deposits | 41.9977% | 7,676 |
| Net loans and leases to core deposits | 44.5792% | 7,787 |
| Total domestic deposits to total assets | 88.6679% | 1,355 |
| Equity capital to assets | 9.8960% | 4,216 |
| Core capital (leverage) ratio | 8.2503% | 5,917 |
| Tier 1 risk-based capital ratio | 16.0918% | 2,595 |
| Total risk-based capital ratio | 17.3306% | 2,533 |
| Memoranda: | ||
| Average total assets | $29,636,000 | 7,554 |
| Average earning assets | $28,097,500 | 7,491 |
| Average equity | $2,783,250 | 7,723 |
| Average total loans | $11,036,500 | 7,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 5,340 |
| Cost of funding earning assets | 0.9273% | 7,659 |
| Net interest margin | 4.4351% | 1,323 |
| Noninterest income to average assets | 0.2575% | 6,437 |
| Noninterest expense to average assets | 3.3276% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7794% | 2,937 |
| Return on assets (ROA) | 0.7794% | 3,032 |
| Pretax return on assets | 1.1115% | 2,599 |
| Return on Equity (ROE) | 8.4528% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.4528% | 1,077 |
| Net charge-offs to loans | -0.3479% | 8,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9618% | 3,882 |
| Assets per employee ($millions) | 2.6577% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 1,992 |
| Loan loss allowance to noncurrent loans | 261.8421% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 6,826 |
| Noncurrent loans to loans | 0.6951% | 5,859 |
| Net loans and leases to total assets | 36.7163% | 7,680 |
| Net loans and leases to deposits | 41.0447% | 7,789 |
| Net loans and leases to core deposits | 43.4294% | 7,879 |
| Total domestic deposits to total assets | 89.4544% | 1,062 |
| Equity capital to assets | 9.3757% | 4,777 |
| Core capital (leverage) ratio | 8.6751% | 5,136 |
| Tier 1 risk-based capital ratio | 17.0092% | 2,299 |
| Total risk-based capital ratio | 18.2581% | 2,247 |
| Memoranda: | ||
| Average total assets | $29,510,670 | 7,621 |
| Average earning assets | $27,823,330 | 7,565 |
| Average equity | $2,721,000 | 7,814 |
| Average total loans | $10,922,000 | 7,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 4,868 |
| Cost of funding earning assets | 0.9467% | 7,754 |
| Net interest margin | 4.5616% | 1,013 |
| Noninterest income to average assets | 0.2563% | 6,402 |
| Noninterest expense to average assets | 3.1300% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9174% | 2,625 |
| Return on assets (ROA) | 0.9174% | 2,766 |
| Pretax return on assets | 1.4166% | 1,918 |
| Return on Equity (ROE) | 10.0332% | 2,304 |
| Retained earnings to average equity (ytd only) | 10.0332% | 1,185 |
| Net charge-offs to loans | -0.5863% | 8,121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8427% | 4,808 |
| Assets per employee ($millions) | 2.7538% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 1,725 |
| Loan loss allowance to noncurrent loans | 725.9259% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 7,328 |
| Noncurrent loans to loans | 0.2557% | 6,798 |
| Net loans and leases to total assets | 34.2137% | 7,798 |
| Net loans and leases to deposits | 38.1380% | 7,894 |
| Net loans and leases to core deposits | 40.0944% | 7,980 |
| Total domestic deposits to total assets | 89.7102% | 931 |
| Equity capital to assets | 9.0849% | 5,246 |
| Core capital (leverage) ratio | 8.5156% | 5,501 |
| Tier 1 risk-based capital ratio | 16.9666% | 2,350 |
| Total risk-based capital ratio | 18.2154% | 2,281 |
| Memoranda: | ||
| Average total assets | $29,648,500 | 7,658 |
| Average earning assets | $27,885,000 | 7,616 |
| Average equity | $2,711,000 | 7,869 |
| Average total loans | $10,916,500 | 7,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 6,125 |
| Cost of funding earning assets | 1.4457% | 7,687 |
| Net interest margin | 4.4366% | 1,572 |
| Noninterest income to average assets | 0.3254% | 6,124 |
| Noninterest expense to average assets | 3.5937% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5879% | 4,361 |
| Return on assets (ROA) | 0.5879% | 4,226 |
| Pretax return on assets | 0.8504% | 3,890 |
| Return on Equity (ROE) | 6.5303% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.5303% | 1,327 |
| Net charge-offs to loans | 1.0369% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.1698% | 4,989 |
| Efficiency ratio | 80.8652% | 2,473 |
| Assets per employee ($millions) | 2.6368% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 2,258 |
| 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 | 38.2451% | 7,756 |
| Net loans and leases to deposits | 43.7576% | 7,858 |
| Net loans and leases to core deposits | 46.3657% | 7,962 |
| Total domestic deposits to total assets | 87.4022% | 1,754 |
| Equity capital to assets | 9.2053% | 5,070 |
| Core capital (leverage) ratio | 9.0528% | 4,669 |
| Tier 1 risk-based capital ratio | 16.1766% | 2,595 |
| Total risk-based capital ratio | 17.3607% | 2,559 |
| Memoranda: | ||
| Average total assets | $27,047,600 | 7,762 |
| Average earning assets | $25,109,600 | 7,732 |
| Average equity | $2,434,800 | 8,008 |
| Average total loans | $10,223,000 | 7,926 |