Home > The University National Bank of Lawrence > Performance and Condition Ratios
The University National Bank of Lawrence, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 2,783 |
| Cost of funding earning assets | 0.2540% | 2,879 |
| Net interest margin | 3.2034% | 2,590 |
| Noninterest income to average assets | 0.3091% | 3,551 |
| Noninterest expense to average assets | 2.8716% | 1,216 |
| Loan and lease loss provision to assets | -0.0562% | 4,384 |
| Net operating income to assets | 0.3460% | 4,360 |
| Return on assets (ROA) | 0.3512% | 4,369 |
| Pretax return on assets | 0.4312% | 4,357 |
| Return on Equity (ROE) | 4.0684% | 4,205 |
| Retained earnings to average equity (ytd only) | -0.3130% | 4,530 |
| Net charge-offs to loans | -0.0452% | 4,286 |
| Credit loss provision to net charge-offs | 208.0000% | 1,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6258% | 367 |
| Assets per employee ($millions) | 8.0033% | 1,332 |
| Cash dividends to net income (ytd only)* | 107.6923% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 44.9103% | 3,772 |
| Net loans and leases to deposits | 48.5304% | 3,966 |
| Net loans and leases to core deposits | 50.2630% | 4,005 |
| Total domestic deposits to total assets | 92.5406% | 85 |
| Equity capital to assets | 7.4181% | 4,618 |
| Core capital (leverage) ratio | 8.5349% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,528,200 | 4,075 |
| Average earning assets | $84,660,200 | 4,071 |
| Average equity | $7,988,400 | 4,327 |
| Average total loans | $55,352,800 | 3,904 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 2,707 |
| Cost of funding earning assets | 0.2627% | 2,987 |
| Net interest margin | 3.2814% | 2,471 |
| Noninterest income to average assets | 0.3584% | 3,311 |
| Noninterest expense to average assets | 2.5937% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9042% | 3,235 |
| Return on assets (ROA) | 0.9117% | 3,281 |
| Pretax return on assets | 0.9117% | 3,669 |
| Return on Equity (ROE) | 10.1454% | 2,686 |
| Retained earnings to average equity (ytd only) | 4.3528% | 3,461 |
| Net charge-offs to loans | 0.0605% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 23.3846% | 1,667 |
| Efficiency ratio | 74.1497% | 1,206 |
| Assets per employee ($millions) | 5.6729% | 3,017 |
| Cash dividends to net income (ytd only)* | 57.0962% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,511 |
| Loan loss allowance to noncurrent loans | 3,845.4545% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,016 |
| Noncurrent loans to loans | 0.0399% | 3,926 |
| Net loans and leases to total assets | 59.8356% | 2,282 |
| Net loans and leases to deposits | 65.7669% | 2,654 |
| Net loans and leases to core deposits | 68.5217% | 2,732 |
| Total domestic deposits to total assets | 90.9813% | 378 |
| Equity capital to assets | 8.9405% | 3,884 |
| Core capital (leverage) ratio | 8.4892% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0844% | 802 |
| Memoranda: | ||
| Average total assets | $89,649,500 | 4,155 |
| Average earning assets | $85,774,750 | 4,113 |
| Average equity | $8,056,000 | 4,387 |
| Average total loans | $57,298,250 | 3,922 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 2,191 |
| Cost of funding earning assets | 0.2748% | 3,046 |
| Net interest margin | 3.4782% | 1,923 |
| Noninterest income to average assets | 0.3988% | 3,112 |
| Noninterest expense to average assets | 2.6614% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0551% | 2,696 |
| Return on assets (ROA) | 1.0596% | 2,755 |
| Pretax return on assets | 1.0596% | 3,309 |
| Return on Equity (ROE) | 11.7715% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.7941% | 2,504 |
| Net charge-offs to loans | 0.0931% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.4444% | 1,576 |
| Efficiency ratio | 71.6094% | 1,470 |
| Assets per employee ($millions) | 6.1265% | 2,495 |
| Cash dividends to net income (ytd only)* | 42.2833% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,656.8627% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,863 |
| Noncurrent loans to loans | 0.0890% | 3,737 |
| Net loans and leases to total assets | 61.4177% | 2,246 |
| Net loans and leases to deposits | 67.4478% | 2,679 |
| Net loans and leases to core deposits | 71.2693% | 2,666 |
| Total domestic deposits to total assets | 91.0596% | 357 |
| Equity capital to assets | 8.8284% | 3,948 |
| Core capital (leverage) ratio | 8.6740% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7163% | 854 |
| Memoranda: | ||
| Average total assets | $89,277,000 | 4,181 |
| Average earning assets | $85,159,667 | 4,141 |
| Average equity | $8,036,333 | 4,408 |
| Average total loans | $58,012,000 | 3,929 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 1,176 |
| Cost of funding earning assets | 0.2975% | 3,020 |
| Net interest margin | 3.9160% | 958 |
| Noninterest income to average assets | 0.5411% | 2,434 |
| Noninterest expense to average assets | 2.7601% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4915% | 1,353 |
| Return on assets (ROA) | 1.4915% | 1,416 |
| Pretax return on assets | 1.4915% | 2,016 |
| Return on Equity (ROE) | 16.4041% | 944 |
| Retained earnings to average equity (ytd only) | 16.4041% | 477 |
| Net charge-offs to loans | 0.1987% | 409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.3103% | 1,459 |
| Efficiency ratio | 64.9198% | 2,362 |
| Assets per employee ($millions) | 6.0192% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,711 |
| Loan loss allowance to noncurrent loans | 1,478.9474% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,428 |
| Noncurrent loans to loans | 0.0992% | 3,809 |
| Net loans and leases to total assets | 62.6827% | 2,207 |
| Net loans and leases to deposits | 68.9788% | 2,604 |
| Net loans and leases to core deposits | 73.1485% | 2,601 |
| Total domestic deposits to total assets | 90.8725% | 445 |
| Equity capital to assets | 9.0400% | 3,639 |
| Core capital (leverage) ratio | 9.0479% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9617% | 933 |
| Memoranda: | ||
| Average total assets | $87,967,000 | 4,216 |
| Average earning assets | $83,351,000 | 4,173 |
| Average equity | $7,998,000 | 4,430 |
| Average total loans | $58,375,000 | 3,938 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 1,418 |
| Cost of funding earning assets | 0.4059% | 3,542 |
| Net interest margin | 4.0524% | 870 |
| Noninterest income to average assets | 0.1597% | 4,497 |
| Noninterest expense to average assets | 3.0883% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9016% | 2,691 |
| Return on assets (ROA) | 0.9064% | 2,804 |
| Pretax return on assets | 0.9064% | 3,349 |
| Return on Equity (ROE) | 9.5795% | 2,164 |
| Retained earnings to average equity (ytd only) | 1.9057% | 3,866 |
| Net charge-offs to loans | 0.0234% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,205 |
| Efficiency ratio | 77.4037% | 1,093 |
| Assets per employee ($millions) | 5.3529% | 2,997 |
| Cash dividends to net income (ytd only)* | 80.1068% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,688 |
| Loan loss allowance to noncurrent loans | 990.9091% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 2,497 |
| Noncurrent loans to loans | 0.1484% | 3,692 |
| Net loans and leases to total assets | 68.2344% | 1,795 |
| Net loans and leases to deposits | 75.1737% | 2,366 |
| Net loans and leases to core deposits | 79.9704% | 2,362 |
| Total domestic deposits to total assets | 90.7690% | 286 |
| Equity capital to assets | 9.1470% | 3,937 |
| Core capital (leverage) ratio | 9.0508% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0172% | 1,054 |
| Memoranda: | ||
| Average total assets | $82,633,600 | 4,212 |
| Average earning assets | $78,101,400 | 4,186 |
| Average equity | $7,818,800 | 4,443 |
| Average total loans | $64,081,600 | 3,845 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 990 |
| Cost of funding earning assets | 0.4304% | 3,640 |
| Net interest margin | 4.3070% | 577 |
| Noninterest income to average assets | 0.3110% | 3,626 |
| Noninterest expense to average assets | 3.1329% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2359% | 1,531 |
| Return on assets (ROA) | 1.2408% | 1,637 |
| Pretax return on assets | 1.2408% | 2,266 |
| Return on Equity (ROE) | 13.0003% | 1,113 |
| Retained earnings to average equity (ytd only) | 4.4699% | 2,815 |
| Net charge-offs to loans | -0.0082% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7108% | 1,676 |
| Assets per employee ($millions) | 5.2283% | 2,983 |
| Cash dividends to net income (ytd only)* | 65.6168% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,755 |
| Loan loss allowance to noncurrent loans | 1,254.9296% | 493 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 856 |
| Noncurrent loans to loans | 0.1112% | 3,923 |
| Net loans and leases to total assets | 75.2908% | 1,191 |
| Net loans and leases to deposits | 83.3406% | 1,973 |
| Net loans and leases to core deposits | 88.8010% | 2,077 |
| Total domestic deposits to total assets | 90.3411% | 320 |
| Equity capital to assets | 9.5000% | 3,685 |
| Core capital (leverage) ratio | 8.9880% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3413% | 1,176 |
| Memoranda: | ||
| Average total assets | $81,880,500 | 4,230 |
| Average earning assets | $77,144,250 | 4,206 |
| Average equity | $7,815,000 | 4,466 |
| Average total loans | $65,274,000 | 3,839 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 763 |
| Cost of funding earning assets | 0.4638% | 3,724 |
| Net interest margin | 4.5825% | 425 |
| Noninterest income to average assets | 0.3961% | 3,105 |
| Noninterest expense to average assets | 3.2698% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4295% | 1,053 |
| Return on assets (ROA) | 1.4319% | 1,137 |
| Pretax return on assets | 1.4319% | 1,637 |
| Return on Equity (ROE) | 14.9788% | 709 |
| Retained earnings to average equity (ytd only) | 5.9709% | 2,094 |
| Net charge-offs to loans | -0.0061% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5812% | 2,009 |
| Assets per employee ($millions) | 5.0757% | 3,089 |
| Cash dividends to net income (ytd only)* | 60.1375% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,931 |
| Loan loss allowance to noncurrent loans | 1,234.7222% | 467 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 616 |
| Noncurrent loans to loans | 0.1064% | 4,030 |
| Net loans and leases to total assets | 77.3790% | 938 |
| Net loans and leases to deposits | 85.3451% | 1,841 |
| Net loans and leases to core deposits | 89.3803% | 2,122 |
| Total domestic deposits to total assets | 90.6660% | 231 |
| Equity capital to assets | 9.1752% | 3,948 |
| Core capital (leverage) ratio | 9.1433% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2953% | 1,415 |
| Memoranda: | ||
| Average total assets | $81,289,667 | 4,236 |
| Average earning assets | $76,333,333 | 4,222 |
| Average equity | $7,771,000 | 4,488 |
| Average total loans | $65,740,667 | 3,837 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 2,014 |
| Cost of funding earning assets | 0.5500% | 3,693 |
| Net interest margin | 4.0439% | 1,274 |
| Noninterest income to average assets | 0.3706% | 3,294 |
| Noninterest expense to average assets | 3.2846% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8935% | 2,546 |
| Return on assets (ROA) | 0.8935% | 2,649 |
| Pretax return on assets | 0.8935% | 3,154 |
| Return on Equity (ROE) | 9.1452% | 2,050 |
| Retained earnings to average equity (ytd only) | 1.3510% | 3,652 |
| Net charge-offs to loans | -0.0370% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6148% | 1,271 |
| Assets per employee ($millions) | 4.6968% | 2,992 |
| Cash dividends to net income (ytd only)* | 85.2273% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,893 |
| Loan loss allowance to noncurrent loans | 178.9579% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 351 |
| Noncurrent loans to loans | 0.7565% | 2,111 |
| Net loans and leases to total assets | 81.4904% | 505 |
| Net loans and leases to deposits | 90.3306% | 1,469 |
| Net loans and leases to core deposits | 96.1022% | 1,781 |
| Total domestic deposits to total assets | 90.2135% | 266 |
| Equity capital to assets | 9.6575% | 4,074 |
| Core capital (leverage) ratio | 9.6877% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3597% | 1,796 |
| Memoranda: | ||
| Average total assets | $78,791,000 | 4,279 |
| Average earning assets | $74,185,500 | 4,255 |
| Average equity | $7,698,000 | 4,524 |
| Average total loans | $64,782,500 | 3,867 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 2,353 |
| Cost of funding earning assets | 0.5699% | 3,775 |
| Net interest margin | 4.1209% | 1,485 |
| Noninterest income to average assets | 0.4690% | 2,907 |
| Noninterest expense to average assets | 3.0384% | 1,914 |
| Loan and lease loss provision to assets | -0.1268% | 5,092 |
| Net operating income to assets | 1.3982% | 1,350 |
| Return on assets (ROA) | 1.4425% | 1,276 |
| Pretax return on assets | 1.4425% | 2,004 |
| Return on Equity (ROE) | 15.0868% | 679 |
| Retained earnings to average equity (ytd only) | 15.0868% | 90 |
| Net charge-offs to loans | -0.1652% | 5,037 |
| Credit loss provision to net charge-offs | 97.0874% | 2,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5000% | 2,100 |
| Assets per employee ($millions) | 4.8586% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,541 |
| Loan loss allowance to noncurrent loans | 265.5689% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 385 |
| Noncurrent loans to loans | 0.5251% | 2,607 |
| Net loans and leases to total assets | 80.6810% | 705 |
| Net loans and leases to deposits | 89.7178% | 1,628 |
| Net loans and leases to core deposits | 95.9769% | 1,903 |
| Total domestic deposits to total assets | 89.9276% | 343 |
| Equity capital to assets | 9.8859% | 4,026 |
| Core capital (leverage) ratio | 9.2969% | 4,285 |
| Tier 1 risk-based capital ratio | 14.5794% | 2,973 |
| Total risk-based capital ratio | 15.8355% | 2,876 |
| Memoranda: | ||
| Average total assets | $78,889,200 | 4,308 |
| Average earning assets | $73,526,800 | 4,289 |
| Average equity | $7,543,000 | 4,565 |
| Average total loans | $62,363,200 | 3,939 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 2,538 |
| Cost of funding earning assets | 0.5560% | 3,893 |
| Net interest margin | 4.1004% | 1,608 |
| Noninterest income to average assets | 0.5810% | 2,305 |
| Noninterest expense to average assets | 3.0092% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3842% | 1,515 |
| Return on assets (ROA) | 1.4414% | 1,405 |
| Pretax return on assets | 1.4414% | 2,150 |
| Return on Equity (ROE) | 15.2021% | 738 |
| Retained earnings to average equity (ytd only) | 15.2021% | 138 |
| Net charge-offs to loans | -0.2213% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4937% | 2,343 |
| Assets per employee ($millions) | 5.0123% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 980 |
| Loan loss allowance to noncurrent loans | 161.0114% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 2.6036% | 248 |
| Noncurrent loans to loans | 1.0002% | 1,595 |
| Net loans and leases to total assets | 75.1936% | 1,620 |
| Net loans and leases to deposits | 83.2627% | 2,533 |
| Net loans and leases to core deposits | 88.8311% | 2,652 |
| Total domestic deposits to total assets | 90.3089% | 211 |
| Equity capital to assets | 9.5116% | 4,441 |
| Core capital (leverage) ratio | 9.4384% | 4,234 |
| Tier 1 risk-based capital ratio | 14.7246% | 2,983 |
| Total risk-based capital ratio | 15.9830% | 2,902 |
| Memoranda: | ||
| Average total assets | $79,177,250 | 4,360 |
| Average earning assets | $73,616,500 | 4,345 |
| Average equity | $7,507,500 | 4,622 |
| Average total loans | $62,052,500 | 3,990 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 2,445 |
| Cost of funding earning assets | 0.5422% | 3,923 |
| Net interest margin | 4.1297% | 1,523 |
| Noninterest income to average assets | 0.5708% | 2,284 |
| Noninterest expense to average assets | 3.0239% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3724% | 1,509 |
| Return on assets (ROA) | 1.4511% | 1,344 |
| Pretax return on assets | 1.4511% | 2,024 |
| Return on Equity (ROE) | 15.3201% | 696 |
| Retained earnings to average equity (ytd only) | 15.3201% | 155 |
| Net charge-offs to loans | -0.3274% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7825% | 2,405 |
| Assets per employee ($millions) | 4.8779% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,097 |
| Loan loss allowance to noncurrent loans | 160.0649% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 3.5415% | 141 |
| Noncurrent loans to loans | 0.9807% | 1,667 |
| Net loans and leases to total assets | 79.2189% | 1,009 |
| Net loans and leases to deposits | 88.1871% | 1,981 |
| Net loans and leases to core deposits | 93.5526% | 2,278 |
| Total domestic deposits to total assets | 89.8305% | 383 |
| Equity capital to assets | 9.6980% | 4,236 |
| Core capital (leverage) ratio | 9.2001% | 4,457 |
| Tier 1 risk-based capital ratio | 14.0016% | 3,321 |
| Total risk-based capital ratio | 15.2583% | 3,227 |
| Memoranda: | ||
| Average total assets | $78,837,330 | 4,394 |
| Average earning assets | $73,031,670 | 4,387 |
| Average equity | $7,467,330 | 4,654 |
| Average total loans | $62,306,670 | 4,005 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 2,584 |
| Cost of funding earning assets | 0.5215% | 3,967 |
| Net interest margin | 4.0634% | 1,657 |
| Noninterest income to average assets | 0.4089% | 3,126 |
| Noninterest expense to average assets | 2.8776% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3075% | 1,674 |
| Return on assets (ROA) | 1.3075% | 1,714 |
| Pretax return on assets | 1.3075% | 2,425 |
| Return on Equity (ROE) | 13.9689% | 979 |
| Retained earnings to average equity (ytd only) | 13.9689% | 355 |
| Net charge-offs to loans | -0.0064% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7575% | 2,529 |
| Assets per employee ($millions) | 4.8309% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6155% | 282 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 75.0250% | 1,635 |
| Net loans and leases to deposits | 82.9363% | 2,509 |
| Net loans and leases to core deposits | 87.6645% | 2,723 |
| Total domestic deposits to total assets | 90.4610% | 302 |
| Equity capital to assets | 9.0787% | 4,630 |
| Core capital (leverage) ratio | 9.2673% | 4,391 |
| Tier 1 risk-based capital ratio | 13.5584% | 3,576 |
| Total risk-based capital ratio | 14.8136% | 3,486 |
| Memoranda: | ||
| Average total assets | $79,232,500 | 4,424 |
| Average earning assets | $73,633,500 | 4,423 |
| Average equity | $7,416,500 | 4,694 |
| Average total loans | $62,053,000 | 4,047 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 2,348 |
| Cost of funding earning assets | 0.3516% | 4,275 |
| Net interest margin | 4.1845% | 1,434 |
| Noninterest income to average assets | 0.6007% | 2,286 |
| Noninterest expense to average assets | 3.4695% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9981% | 3,017 |
| Return on assets (ROA) | 0.9981% | 3,009 |
| Pretax return on assets | 0.9981% | 3,610 |
| Return on Equity (ROE) | 10.6545% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.6545% | 496 |
| Net charge-offs to loans | 0.0855% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 14.8269% | 2,360 |
| Efficiency ratio | 77.6586% | 1,167 |
| Assets per employee ($millions) | 4.7712% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0422% | 464 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.5426% | 1,014 |
| Net loans and leases to deposits | 88.1549% | 2,025 |
| Net loans and leases to core deposits | 94.1091% | 2,219 |
| Total domestic deposits to total assets | 90.2304% | 404 |
| Equity capital to assets | 9.6635% | 3,987 |
| Core capital (leverage) ratio | 9.0477% | 4,606 |
| Tier 1 risk-based capital ratio | 13.7790% | 3,398 |
| Total risk-based capital ratio | 15.0338% | 3,327 |
| Memoranda: | ||
| Average total assets | $77,243,800 | 4,479 |
| Average earning assets | $71,383,200 | 4,471 |
| Average equity | $7,236,400 | 4,716 |
| Average total loans | $60,849,200 | 4,072 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 2,444 |
| Cost of funding earning assets | 0.3242% | 4,355 |
| Net interest margin | 4.1333% | 1,539 |
| Noninterest income to average assets | 0.5834% | 2,397 |
| Noninterest expense to average assets | 3.3578% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0430% | 2,899 |
| Return on assets (ROA) | 1.0430% | 2,914 |
| Pretax return on assets | 1.0430% | 3,595 |
| Return on Equity (ROE) | 11.2200% | 2,082 |
| Retained earnings to average equity (ytd only) | 11.2200% | 603 |
| Net charge-offs to loans | 0.1165% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.4348% | 2,516 |
| Efficiency ratio | 76.3004% | 1,318 |
| Assets per employee ($millions) | 4.9458% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9701% | 542 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.6309% | 1,714 |
| Net loans and leases to deposits | 83.6265% | 2,640 |
| Net loans and leases to core deposits | 89.0319% | 2,743 |
| Total domestic deposits to total assets | 90.4389% | 366 |
| Equity capital to assets | 9.2781% | 4,303 |
| Core capital (leverage) ratio | 8.9682% | 4,733 |
| Tier 1 risk-based capital ratio | 13.8119% | 3,460 |
| Total risk-based capital ratio | 15.0661% | 3,368 |
| Memoranda: | ||
| Average total assets | $77,470,000 | 4,520 |
| Average earning assets | $71,548,000 | 4,508 |
| Average equity | $7,201,250 | 4,769 |
| Average total loans | $60,660,000 | 4,118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,339 |
| Cost of funding earning assets | 0.3114% | 4,335 |
| Net interest margin | 4.1127% | 1,515 |
| Noninterest income to average assets | 0.6345% | 2,158 |
| Noninterest expense to average assets | 3.4557% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9569% | 3,206 |
| Return on assets (ROA) | 0.9569% | 3,212 |
| Pretax return on assets | 0.9569% | 3,784 |
| Return on Equity (ROE) | 10.2875% | 2,433 |
| Retained earnings to average equity (ytd only) | 10.2875% | 846 |
| Net charge-offs to loans | 0.1814% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.6909% | 2,602 |
| Efficiency ratio | 78.3147% | 1,172 |
| Assets per employee ($millions) | 4.7565% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0709% | 505 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.1430% | 993 |
| Net loans and leases to deposits | 88.7776% | 2,012 |
| Net loans and leases to core deposits | 92.5931% | 2,347 |
| Total domestic deposits to total assets | 90.2738% | 474 |
| Equity capital to assets | 9.5054% | 4,094 |
| Core capital (leverage) ratio | 9.3086% | 4,355 |
| Tier 1 risk-based capital ratio | 13.1588% | 3,817 |
| Total risk-based capital ratio | 14.4125% | 3,729 |
| Memoranda: | ||
| Average total assets | $76,915,670 | 4,570 |
| Average earning assets | $70,659,000 | 4,575 |
| Average equity | $7,154,330 | 4,825 |
| Average total loans | $60,636,000 | 4,149 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 2,602 |
| Cost of funding earning assets | 0.3076% | 4,295 |
| Net interest margin | 3.9715% | 1,809 |
| Noninterest income to average assets | 0.5639% | 2,456 |
| Noninterest expense to average assets | 3.3729% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8639% | 3,436 |
| Return on assets (ROA) | 0.8639% | 3,453 |
| Pretax return on assets | 0.8639% | 3,970 |
| Return on Equity (ROE) | 9.3893% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.2047% | 3,925 |
| Net charge-offs to loans | 0.3932% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.8305% | 2,432 |
| Efficiency ratio | 79.6093% | 1,187 |
| Assets per employee ($millions) | 4.4845% | 3,188 |
| Cash dividends to net income (ytd only)* | 65.8683% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,603 |
| Loan loss allowance to noncurrent loans | 724.7934% | 794 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 425 |
| Noncurrent loans to loans | 0.2018% | 4,064 |
| Net loans and leases to total assets | 77.5057% | 1,312 |
| Net loans and leases to deposits | 85.7354% | 2,196 |
| Net loans and leases to core deposits | 89.0819% | 2,530 |
| Total domestic deposits to total assets | 90.4010% | 502 |
| Equity capital to assets | 9.3695% | 4,212 |
| Core capital (leverage) ratio | 9.0047% | 4,673 |
| Tier 1 risk-based capital ratio | 13.1704% | 3,867 |
| Total risk-based capital ratio | 14.4264% | 3,765 |
| Memoranda: | ||
| Average total assets | $77,321,500 | 4,619 |
| Average earning assets | $71,510,000 | 4,607 |
| Average equity | $7,114,500 | 4,879 |
| Average total loans | $60,017,500 | 4,194 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 2,539 |
| Cost of funding earning assets | 0.3451% | 3,759 |
| Net interest margin | 3.8944% | 2,104 |
| Noninterest income to average assets | 0.5159% | 2,908 |
| Noninterest expense to average assets | 3.1929% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9150% | 2,625 |
| Return on assets (ROA) | 0.9150% | 2,655 |
| Pretax return on assets | 0.9150% | 3,861 |
| Return on Equity (ROE) | 10.3041% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.1015% | 2,064 |
| Net charge-offs to loans | -0.0050% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7257% | 1,392 |
| Assets per employee ($millions) | 4.9004% | 2,602 |
| Cash dividends to net income (ytd only)* | 50.4909% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,251 |
| Loan loss allowance to noncurrent loans | 391.6318% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 373 |
| Noncurrent loans to loans | 0.3979% | 3,332 |
| Net loans and leases to total assets | 75.4202% | 1,691 |
| Net loans and leases to deposits | 83.0522% | 2,602 |
| Net loans and leases to core deposits | 87.5566% | 2,761 |
| Total domestic deposits to total assets | 90.8107% | 293 |
| Equity capital to assets | 9.0376% | 4,679 |
| Core capital (leverage) ratio | 8.6278% | 5,017 |
| Tier 1 risk-based capital ratio | 13.0856% | 3,857 |
| Total risk-based capital ratio | 14.3442% | 3,761 |
| Memoranda: | ||
| Average total assets | $77,922,000 | 4,628 |
| Average earning assets | $71,871,800 | 4,629 |
| Average equity | $6,919,600 | 4,955 |
| Average total loans | $59,952,600 | 4,207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,666 |
| Cost of funding earning assets | 0.3488% | 3,681 |
| Net interest margin | 3.8353% | 2,261 |
| Noninterest income to average assets | 0.5244% | 2,874 |
| Noninterest expense to average assets | 3.1464% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9203% | 2,925 |
| Return on assets (ROA) | 0.9203% | 2,986 |
| Pretax return on assets | 0.9203% | 3,968 |
| Return on Equity (ROE) | 10.4097% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.5635% | 2,496 |
| Net charge-offs to loans | -0.0022% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3704% | 1,411 |
| Assets per employee ($millions) | 4.9261% | 2,543 |
| Cash dividends to net income (ytd only)* | 46.5558% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,389 |
| Loan loss allowance to noncurrent loans | 676.8116% | 817 |
| Noncurrent assets plus other real estate owned to assets | 2.4094% | 470 |
| Noncurrent loans to loans | 0.2278% | 4,152 |
| Net loans and leases to total assets | 75.6905% | 1,643 |
| Net loans and leases to deposits | 83.2582% | 2,631 |
| Net loans and leases to core deposits | 86.8572% | 2,886 |
| Total domestic deposits to total assets | 90.9106% | 205 |
| Equity capital to assets | 8.9067% | 4,992 |
| Core capital (leverage) ratio | 8.5924% | 5,174 |
| Tier 1 risk-based capital ratio | 12.8202% | 4,128 |
| Total risk-based capital ratio | 14.0788% | 4,029 |
| Memoranda: | ||
| Average total assets | $77,801,000 | 4,677 |
| Average earning assets | $71,857,000 | 4,674 |
| Average equity | $6,878,000 | 5,015 |
| Average total loans | $59,923,250 | 4,242 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,537 |
| Cost of funding earning assets | 0.3563% | 3,516 |
| Net interest margin | 3.8263% | 2,189 |
| Noninterest income to average assets | 0.4725% | 3,206 |
| Noninterest expense to average assets | 3.0957% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8985% | 2,921 |
| Return on assets (ROA) | 0.8985% | 2,978 |
| Pretax return on assets | 0.8985% | 3,940 |
| Return on Equity (ROE) | 10.1893% | 1,956 |
| Retained earnings to average equity (ytd only) | 5.7974% | 2,231 |
| Net charge-offs to loans | -0.0034% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5048% | 1,530 |
| Assets per employee ($millions) | 5.2239% | 2,133 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3252% | 498 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.0844% | 1,537 |
| Net loans and leases to deposits | 83.5925% | 2,534 |
| Net loans and leases to core deposits | 87.6402% | 2,735 |
| Total domestic deposits to total assets | 91.0183% | 217 |
| Equity capital to assets | 8.8452% | 5,039 |
| Core capital (leverage) ratio | 8.5985% | 5,145 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,251 |
| Total risk-based capital ratio | 13.8434% | 4,152 |
| Memoranda: | ||
| Average total assets | $77,462,330 | 4,716 |
| Average earning assets | $71,296,000 | 4,717 |
| Average equity | $6,830,670 | 5,049 |
| Average total loans | $59,700,670 | 4,274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 2,745 |
| Cost of funding earning assets | 0.3906% | 3,096 |
| Net interest margin | 3.6851% | 2,540 |
| Noninterest income to average assets | 0.5142% | 2,882 |
| Noninterest expense to average assets | 3.1423% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7531% | 3,462 |
| Return on assets (ROA) | 0.7531% | 3,516 |
| Pretax return on assets | 0.7531% | 4,278 |
| Return on Equity (ROE) | 8.5539% | 2,649 |
| Retained earnings to average equity (ytd only) | 5.6043% | 2,541 |
| Net charge-offs to loans | -0.0067% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6667% | 1,298 |
| Assets per employee ($millions) | 5.2863% | 2,091 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5260% | 451 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.9467% | 1,589 |
| Net loans and leases to deposits | 82.1171% | 2,497 |
| Net loans and leases to core deposits | 86.7741% | 2,661 |
| Total domestic deposits to total assets | 91.2680% | 219 |
| Equity capital to assets | 8.6109% | 5,144 |
| Core capital (leverage) ratio | 8.4990% | 5,228 |
| Tier 1 risk-based capital ratio | 12.3469% | 4,480 |
| Total risk-based capital ratio | 13.6044% | 4,383 |
| Memoranda: | ||
| Average total assets | $77,014,000 | 4,769 |
| Average earning assets | $70,662,000 | 4,774 |
| Average equity | $6,780,500 | 5,105 |
| Average total loans | $59,274,500 | 4,318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,826 |
| Cost of funding earning assets | 0.4101% | 2,905 |
| Net interest margin | 3.6958% | 2,708 |
| Noninterest income to average assets | 0.6815% | 2,255 |
| Noninterest expense to average assets | 3.8592% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1969% | 5,422 |
| Return on assets (ROA) | 0.1969% | 5,473 |
| Pretax return on assets | 0.1969% | 5,499 |
| Return on Equity (ROE) | 2.1552% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.1552% | 4,307 |
| Net charge-offs to loans | -0.0092% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1460% | 343 |
| Assets per employee ($millions) | 4.6708% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7511% | 401 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.6101% | 1,422 |
| Net loans and leases to deposits | 86.9142% | 2,062 |
| Net loans and leases to core deposits | 90.4828% | 2,456 |
| Total domestic deposits to total assets | 88.1445% | 1,564 |
| Equity capital to assets | 9.0094% | 4,815 |
| Core capital (leverage) ratio | 8.7692% | 5,003 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,310 |
| Total risk-based capital ratio | 13.8767% | 4,197 |
| Memoranda: | ||
| Average total assets | $72,632,200 | 4,875 |
| Average earning assets | $66,319,400 | 4,885 |
| Average equity | $6,635,000 | 5,162 |
| Average total loans | $54,169,600 | 4,449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 2,947 |
| Cost of funding earning assets | 0.4154% | 2,884 |
| Net interest margin | 3.6655% | 2,841 |
| Noninterest income to average assets | 0.6657% | 2,338 |
| Noninterest expense to average assets | 3.9163% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0943% | 5,631 |
| Return on assets (ROA) | 0.0943% | 5,680 |
| Pretax return on assets | 0.0943% | 5,683 |
| Return on Equity (ROE) | 1.0287% | 5,641 |
| Retained earnings to average equity (ytd only) | 1.0287% | 5,081 |
| Net charge-offs to loans | -0.0426% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6487% | 270 |
| Assets per employee ($millions) | 4.5955% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9186% | 404 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 76.2281% | 1,489 |
| Net loans and leases to deposits | 86.6009% | 2,201 |
| Net loans and leases to core deposits | 89.1421% | 2,655 |
| Total domestic deposits to total assets | 88.0223% | 1,396 |
| Equity capital to assets | 9.0319% | 5,148 |
| Core capital (leverage) ratio | 8.8037% | 5,049 |
| Tier 1 risk-based capital ratio | 12.9705% | 4,184 |
| Total risk-based capital ratio | 14.2319% | 4,087 |
| Memoranda: | ||
| Average total assets | $72,107,000 | 4,928 |
| Average earning assets | $65,801,500 | 4,939 |
| Average equity | $6,610,500 | 5,215 |
| Average total loans | $53,165,500 | 4,520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,117 |
| Cost of funding earning assets | 0.4232% | 2,800 |
| Net interest margin | 3.6129% | 3,044 |
| Noninterest income to average assets | 0.6003% | 2,616 |
| Noninterest expense to average assets | 3.8502% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0391% | 5,734 |
| Return on assets (ROA) | 0.0391% | 5,765 |
| Pretax return on assets | 0.0391% | 5,768 |
| Return on Equity (ROE) | 0.4242% | 5,756 |
| Retained earnings to average equity (ytd only) | 0.4242% | 5,173 |
| Net charge-offs to loans | -0.0308% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9950% | 262 |
| Assets per employee ($millions) | 4.4276% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 1,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0293% | 399 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.2728% | 1,164 |
| Net loans and leases to deposits | 89.2484% | 1,834 |
| Net loans and leases to core deposits | 91.9752% | 2,353 |
| Total domestic deposits to total assets | 87.7022% | 1,570 |
| Equity capital to assets | 9.3222% | 4,953 |
| Core capital (leverage) ratio | 8.8921% | 4,949 |
| Tier 1 risk-based capital ratio | 13.0612% | 4,169 |
| Total risk-based capital ratio | 14.3223% | 4,079 |
| Memoranda: | ||
| Average total assets | $71,633,330 | 4,990 |
| Average earning assets | $65,210,670 | 5,001 |
| Average equity | $6,600,330 | 5,269 |
| Average total loans | $51,889,330 | 4,591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,415 |
| Cost of funding earning assets | 0.4351% | 2,721 |
| Net interest margin | 3.5114% | 3,428 |
| Noninterest income to average assets | 0.7775% | 1,703 |
| Noninterest expense to average assets | 3.8651% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0944% | 5,690 |
| Return on assets (ROA) | 0.0944% | 5,730 |
| Pretax return on assets | 0.0944% | 5,738 |
| Return on Equity (ROE) | 1.0305% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.0305% | 4,823 |
| Net charge-offs to loans | 0.0161% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,047 |
| Efficiency ratio | 97.6157% | 353 |
| Assets per employee ($millions) | 4.1754% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1078% | 396 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.7531% | 2,227 |
| Net loans and leases to deposits | 80.6805% | 2,705 |
| Net loans and leases to core deposits | 82.5287% | 3,082 |
| Total domestic deposits to total assets | 87.6955% | 1,804 |
| Equity capital to assets | 9.3080% | 4,882 |
| Core capital (leverage) ratio | 8.8580% | 5,016 |
| Tier 1 risk-based capital ratio | 14.0699% | 3,644 |
| Total risk-based capital ratio | 15.3335% | 3,566 |
| Memoranda: | ||
| Average total assets | $72,029,000 | 5,026 |
| Average earning assets | $65,274,000 | 5,040 |
| Average equity | $6,598,500 | 5,306 |
| Average total loans | $49,641,000 | 4,686 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,547 |
| Cost of funding earning assets | 0.4382% | 2,754 |
| Net interest margin | 3.2049% | 4,615 |
| Noninterest income to average assets | 0.5068% | 3,274 |
| Noninterest expense to average assets | 3.5964% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1762% | 5,959 |
| Return on assets (ROA) | -0.1640% | 5,970 |
| Pretax return on assets | -0.1640% | 5,954 |
| Return on Equity (ROE) | -1.8162% | 5,976 |
| Retained earnings to average equity (ytd only) | -1.8162% | 5,739 |
| Net charge-offs to loans | 0.0656% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -4.3333% | 4,389 |
| Efficiency ratio | 105.1506% | 196 |
| Assets per employee ($millions) | 4.0598% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 911 |
| Loan loss allowance to noncurrent loans | 1,118.0723% | 548 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 410 |
| Noncurrent loans to loans | 0.1724% | 4,798 |
| Net loans and leases to total assets | 64.5985% | 3,182 |
| Net loans and leases to deposits | 74.4539% | 3,444 |
| Net loans and leases to core deposits | 76.4371% | 3,718 |
| Total domestic deposits to total assets | 86.7631% | 2,247 |
| Equity capital to assets | 9.0180% | 5,105 |
| Core capital (leverage) ratio | 8.6019% | 5,327 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,351 |
| Total risk-based capital ratio | 15.9206% | 3,269 |
| Memoranda: | ||
| Average total assets | $73,795,200 | 4,994 |
| Average earning assets | $67,085,200 | 5,010 |
| Average equity | $6,662,200 | 5,308 |
| Average total loans | $45,741,400 | 4,807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,792 |
| Cost of funding earning assets | 0.4393% | 2,806 |
| Net interest margin | 3.1426% | 4,837 |
| Noninterest income to average assets | 0.4866% | 3,471 |
| Noninterest expense to average assets | 3.5543% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2055% | 6,048 |
| Return on assets (ROA) | -0.2055% | 6,063 |
| Pretax return on assets | -0.2055% | 6,054 |
| Return on Equity (ROE) | -2.2754% | 6,080 |
| Retained earnings to average equity (ytd only) | -2.2754% | 5,884 |
| Net charge-offs to loans | 0.0768% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.3842% | 4,120 |
| Efficiency ratio | 106.1356% | 187 |
| Assets per employee ($millions) | 4.1834% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 975 |
| Loan loss allowance to noncurrent loans | 320.2749% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 3.3160% | 408 |
| Noncurrent loans to loans | 0.6121% | 3,480 |
| Net loans and leases to total assets | 61.8921% | 3,625 |
| Net loans and leases to deposits | 71.0891% | 3,865 |
| Net loans and leases to core deposits | 72.5860% | 4,145 |
| Total domestic deposits to total assets | 87.0628% | 2,003 |
| Equity capital to assets | 8.7607% | 5,523 |
| Core capital (leverage) ratio | 8.5028% | 5,551 |
| Tier 1 risk-based capital ratio | 14.5555% | 3,529 |
| Total risk-based capital ratio | 15.8229% | 3,441 |
| Memoranda: | ||
| Average total assets | $73,975,000 | 5,049 |
| Average earning assets | $67,374,500 | 5,061 |
| Average equity | $6,680,250 | 5,372 |
| Average total loans | $45,143,250 | 4,874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 4,747 |
| Cost of funding earning assets | 0.4419% | 2,815 |
| Net interest margin | 3.1472% | 4,836 |
| Noninterest income to average assets | 0.5032% | 3,349 |
| Noninterest expense to average assets | 3.4950% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1251% | 6,061 |
| Return on assets (ROA) | -0.1251% | 6,090 |
| Pretax return on assets | -0.1251% | 6,078 |
| Return on Equity (ROE) | -1.3715% | 6,100 |
| Retained earnings to average equity (ytd only) | -1.3715% | 5,753 |
| Net charge-offs to loans | 0.1218% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.7037% | 3,783 |
| Efficiency ratio | 103.7127% | 253 |
| Assets per employee ($millions) | 4.3367% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0649% | 898 |
| Loan loss allowance to noncurrent loans | 451.9417% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 3.7044% | 375 |
| Noncurrent loans to loans | 0.4569% | 4,107 |
| Net loans and leases to total assets | 59.8950% | 3,854 |
| Net loans and leases to deposits | 69.0503% | 4,034 |
| Net loans and leases to core deposits | 70.8303% | 4,243 |
| Total domestic deposits to total assets | 86.7411% | 2,301 |
| Equity capital to assets | 9.0405% | 5,197 |
| Core capital (leverage) ratio | 8.6309% | 5,398 |
| Tier 1 risk-based capital ratio | 15.3052% | 3,197 |
| Total risk-based capital ratio | 16.5727% | 3,126 |
| Memoranda: | ||
| Average total assets | $73,532,670 | 5,116 |
| Average earning assets | $66,979,670 | 5,133 |
| Average equity | $6,708,000 | 5,410 |
| Average total loans | $44,345,000 | 4,936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 4,812 |
| Cost of funding earning assets | 0.4377% | 2,908 |
| Net interest margin | 3.1176% | 4,892 |
| Noninterest income to average assets | 0.8769% | 1,470 |
| Noninterest expense to average assets | 3.5078% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2015% | 5,686 |
| Return on assets (ROA) | 0.2015% | 5,773 |
| Pretax return on assets | 0.2015% | 5,824 |
| Return on Equity (ROE) | 2.1993% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,584 |
| Net charge-offs to loans | 0.0091% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,023 |
| Efficiency ratio | 94.5668% | 565 |
| Assets per employee ($millions) | 5.3042% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1791% | 828 |
| Loan loss allowance to noncurrent loans | 266.5738% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 4.1786% | 348 |
| Noncurrent loans to loans | 0.8174% | 3,205 |
| Net loans and leases to total assets | 57.8529% | 3,965 |
| Net loans and leases to deposits | 66.7324% | 4,079 |
| Net loans and leases to core deposits | 68.4376% | 4,294 |
| Total domestic deposits to total assets | 86.6939% | 2,554 |
| Equity capital to assets | 9.0871% | 5,204 |
| Core capital (leverage) ratio | 9.1605% | 4,778 |
| Tier 1 risk-based capital ratio | 16.2254% | 2,814 |
| Total risk-based capital ratio | 17.4645% | 2,763 |
| Memoranda: | ||
| Average total assets | $73,437,000 | 5,165 |
| Average earning assets | $66,717,000 | 5,175 |
| Average equity | $6,729,500 | 5,456 |
| Average total loans | $43,973,500 | 4,985 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,804 |
| Cost of funding earning assets | 0.5030% | 2,650 |
| Net interest margin | 3.1876% | 4,963 |
| Noninterest income to average assets | 0.9600% | 1,322 |
| Noninterest expense to average assets | 3.7748% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0457% | 6,029 |
| Return on assets (ROA) | 0.0457% | 6,055 |
| Pretax return on assets | 0.0471% | 6,048 |
| Return on Equity (ROE) | 0.4926% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.4926% | 5,553 |
| Net charge-offs to loans | 0.2045% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.3820% | 4,652 |
| Efficiency ratio | 98.7677% | 395 |
| Assets per employee ($millions) | 4.5384% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 847 |
| Loan loss allowance to noncurrent loans | 257.5269% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 4.3118% | 373 |
| Noncurrent loans to loans | 0.8449% | 3,202 |
| Net loans and leases to total assets | 59.3142% | 3,872 |
| Net loans and leases to deposits | 68.5866% | 4,067 |
| Net loans and leases to core deposits | 70.3809% | 4,292 |
| Total domestic deposits to total assets | 86.4808% | 2,578 |
| Equity capital to assets | 9.2419% | 5,019 |
| Core capital (leverage) ratio | 8.6280% | 5,409 |
| Tier 1 risk-based capital ratio | 15.8765% | 3,022 |
| Total risk-based capital ratio | 17.1396% | 2,963 |
| Memoranda: | ||
| Average total assets | $72,189,200 | 5,223 |
| Average earning assets | $64,812,800 | 5,258 |
| Average equity | $6,699,400 | 5,480 |
| Average total loans | $43,524,600 | 5,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,883 |
| Cost of funding earning assets | 0.5119% | 2,636 |
| Net interest margin | 3.1809% | 5,026 |
| Noninterest income to average assets | 1.0321% | 1,153 |
| Noninterest expense to average assets | 3.7937% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0814% | 6,051 |
| Return on assets (ROA) | 0.0814% | 6,075 |
| Pretax return on assets | 0.0888% | 6,073 |
| Return on Equity (ROE) | 0.8761% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.8761% | 5,534 |
| Net charge-offs to loans | 0.0952% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5485% | 4,132 |
| Efficiency ratio | 97.7132% | 447 |
| Assets per employee ($millions) | 4.3243% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 830 |
| Loan loss allowance to noncurrent loans | 426.8908% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 4.0904% | 470 |
| Noncurrent loans to loans | 0.5368% | 4,329 |
| Net loans and leases to total assets | 58.9256% | 3,946 |
| Net loans and leases to deposits | 68.0801% | 4,117 |
| Net loans and leases to core deposits | 71.0061% | 4,245 |
| Total domestic deposits to total assets | 86.5534% | 2,557 |
| Equity capital to assets | 9.1440% | 5,218 |
| Core capital (leverage) ratio | 8.7134% | 5,420 |
| Tier 1 risk-based capital ratio | 15.8778% | 3,113 |
| Total risk-based capital ratio | 17.1431% | 3,053 |
| Memoranda: | ||
| Average total assets | $72,082,750 | 5,284 |
| Average earning assets | $64,593,000 | 5,316 |
| Average equity | $6,696,500 | 5,534 |
| Average total loans | $43,398,500 | 5,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,941 |
| Cost of funding earning assets | 0.5240% | 2,598 |
| Net interest margin | 3.1472% | 5,103 |
| Noninterest income to average assets | 1.2373% | 765 |
| Noninterest expense to average assets | 3.7902% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2542% | 5,698 |
| Return on assets (ROA) | 0.2542% | 5,778 |
| Pretax return on assets | 0.2653% | 5,846 |
| Return on Equity (ROE) | 2.7213% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.7213% | 4,469 |
| Net charge-offs to loans | 0.1764% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,536 |
| Efficiency ratio | 93.4573% | 671 |
| Assets per employee ($millions) | 3.9979% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 929 |
| Loan loss allowance to noncurrent loans | 401.9920% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 5.0734% | 350 |
| Noncurrent loans to loans | 0.5652% | 4,320 |
| Net loans and leases to total assets | 60.3060% | 3,672 |
| Net loans and leases to deposits | 69.9404% | 3,831 |
| Net loans and leases to core deposits | 74.3015% | 3,806 |
| Total domestic deposits to total assets | 86.2249% | 2,917 |
| Equity capital to assets | 9.4062% | 4,836 |
| Core capital (leverage) ratio | 9.2761% | 4,630 |
| Tier 1 risk-based capital ratio | 15.7967% | 3,194 |
| Total risk-based capital ratio | 17.0611% | 3,121 |
| Memoranda: | ||
| Average total assets | $71,606,000 | 5,346 |
| Average earning assets | $64,120,670 | 5,380 |
| Average equity | $6,688,000 | 5,562 |
| Average total loans | $43,086,670 | 5,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,981 |
| Cost of funding earning assets | 0.5306% | 2,600 |
| Net interest margin | 3.1276% | 5,153 |
| Noninterest income to average assets | 0.7616% | 1,903 |
| Noninterest expense to average assets | 3.9089% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3416% | 6,417 |
| Return on assets (ROA) | -0.3416% | 6,416 |
| Pretax return on assets | -0.3416% | 6,409 |
| Return on Equity (ROE) | -3.6706% | 6,432 |
| Retained earnings to average equity (ytd only) | -3.6706% | 6,030 |
| Net charge-offs to loans | 0.3583% | 1,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.6053% | 3,524 |
| Efficiency ratio | 109.5761% | 276 |
| Assets per employee ($millions) | 4.1975% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3803% | 936 |
| Loan loss allowance to noncurrent loans | 280.2778% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 5.7527% | 310 |
| Noncurrent loans to loans | 0.8493% | 3,770 |
| Net loans and leases to total assets | 57.9907% | 3,840 |
| Net loans and leases to deposits | 67.1846% | 3,948 |
| Net loans and leases to core deposits | 71.3983% | 3,933 |
| Total domestic deposits to total assets | 86.3155% | 3,203 |
| Equity capital to assets | 9.2730% | 4,784 |
| Core capital (leverage) ratio | 9.1178% | 4,842 |
| Tier 1 risk-based capital ratio | 16.7315% | 2,798 |
| Total risk-based capital ratio | 18.0001% | 2,753 |
| Memoranda: | ||
| Average total assets | $71,427,500 | 5,399 |
| Average earning assets | $64,074,500 | 5,438 |
| Average equity | $6,647,500 | 5,604 |
| Average total loans | $42,426,500 | 5,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,894 |
| Cost of funding earning assets | 0.6263% | 2,422 |
| Net interest margin | 3.1490% | 5,163 |
| Noninterest income to average assets | 1.0791% | 1,217 |
| Noninterest expense to average assets | 4.8826% | 382 |
| Loan and lease loss provision to assets | -0.5071% | 6,744 |
| Net operating income to assets | -0.4846% | 6,490 |
| Return on assets (ROA) | -0.4846% | 6,496 |
| Pretax return on assets | -0.4846% | 6,479 |
| Return on Equity (ROE) | -5.0297% | 6,488 |
| Retained earnings to average equity (ytd only) | -5.0297% | 6,373 |
| Net charge-offs to loans | 0.7094% | 909 |
| Credit loss provision to net charge-offs | -117.2638% | 5,902 |
| Earnings coverage of net charge-offs (x) | -2.2932% | 5,334 |
| Efficiency ratio | 125.4888% | 146 |
| Assets per employee ($millions) | 3.9721% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4657% | 858 |
| Loan loss allowance to noncurrent loans | 361.0345% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 5.6492% | 364 |
| Noncurrent loans to loans | 0.6829% | 4,267 |
| Net loans and leases to total assets | 57.9269% | 4,045 |
| Net loans and leases to deposits | 67.1183% | 4,170 |
| Net loans and leases to core deposits | 71.9765% | 4,069 |
| Total domestic deposits to total assets | 86.3057% | 3,112 |
| Equity capital to assets | 9.3403% | 4,636 |
| Core capital (leverage) ratio | 9.0903% | 4,874 |
| Tier 1 risk-based capital ratio | 16.8398% | 2,686 |
| Total risk-based capital ratio | 18.1096% | 2,637 |
| Memoranda: | ||
| Average total assets | $70,987,200 | 5,439 |
| Average earning assets | $63,385,400 | 5,489 |
| Average equity | $6,839,400 | 5,609 |
| Average total loans | $43,273,600 | 5,226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 4,683 |
| Cost of funding earning assets | 0.6414% | 2,442 |
| Net interest margin | 3.2027% | 4,994 |
| Noninterest income to average assets | 0.9032% | 1,749 |
| Noninterest expense to average assets | 4.6062% | 468 |
| Loan and lease loss provision to assets | -0.6774% | 6,853 |
| Net operating income to assets | -0.1693% | 6,446 |
| Return on assets (ROA) | -0.1693% | 6,471 |
| Pretax return on assets | -0.1693% | 6,455 |
| Return on Equity (ROE) | -1.7442% | 6,467 |
| Retained earnings to average equity (ytd only) | -1.7442% | 6,233 |
| Net charge-offs to loans | -0.0889% | 6,464 |
| Credit loss provision to net charge-offs | 1,241.3793% | 258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5225% | 155 |
| Assets per employee ($millions) | 3.8778% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3080% | 409 |
| Loan loss allowance to noncurrent loans | 386.3128% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 7.8138% | 236 |
| Noncurrent loans to loans | 0.8563% | 4,109 |
| Net loans and leases to total assets | 57.9155% | 4,023 |
| Net loans and leases to deposits | 67.6558% | 4,106 |
| Net loans and leases to core deposits | 72.3866% | 4,046 |
| Total domestic deposits to total assets | 85.6032% | 3,450 |
| Equity capital to assets | 9.8309% | 4,133 |
| Core capital (leverage) ratio | 9.3406% | 4,629 |
| Tier 1 risk-based capital ratio | 17.3447% | 2,560 |
| Total risk-based capital ratio | 18.6237% | 2,522 |
| Memoranda: | ||
| Average total assets | $70,859,750 | 5,506 |
| Average earning assets | $63,195,750 | 5,556 |
| Average equity | $6,879,750 | 5,673 |
| Average total loans | $43,476,250 | 5,261 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 4,643 |
| Cost of funding earning assets | 0.6507% | 2,484 |
| Net interest margin | 3.2032% | 4,933 |
| Noninterest income to average assets | 0.7920% | 2,223 |
| Noninterest expense to average assets | 4.8446% | 401 |
| Loan and lease loss provision to assets | -1.0111% | 6,918 |
| Net operating income to assets | -0.1797% | 6,481 |
| Return on assets (ROA) | -0.1797% | 6,514 |
| Pretax return on assets | -0.1797% | 6,484 |
| Return on Equity (ROE) | -1.8589% | 6,518 |
| Retained earnings to average equity (ytd only) | -1.8589% | 6,176 |
| Net charge-offs to loans | 0.1045% | 3,313 |
| Credit loss provision to net charge-offs | -1,565.2174% | 6,103 |
| Earnings coverage of net charge-offs (x) | -18.4348% | 4,880 |
| Efficiency ratio | 132.5903% | 112 |
| Assets per employee ($millions) | 4.1899% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0553% | 550 |
| Loan loss allowance to noncurrent loans | 128.3510% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 7.5826% | 293 |
| Noncurrent loans to loans | 2.3805% | 1,982 |
| Net loans and leases to total assets | 59.2905% | 3,779 |
| Net loans and leases to deposits | 69.1840% | 3,832 |
| Net loans and leases to core deposits | 73.8981% | 3,825 |
| Total domestic deposits to total assets | 85.6996% | 3,529 |
| Equity capital to assets | 9.6702% | 4,354 |
| Core capital (leverage) ratio | 9.3277% | 4,497 |
| Tier 1 risk-based capital ratio | 17.1422% | 2,660 |
| Total risk-based capital ratio | 18.4195% | 2,624 |
| Memoranda: | ||
| Average total assets | $71,213,000 | 5,533 |
| Average earning assets | $63,624,670 | 5,577 |
| Average equity | $6,885,670 | 5,711 |
| Average total loans | $44,032,330 | 5,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,700 |
| Cost of funding earning assets | 0.6790% | 2,401 |
| Net interest margin | 3.1561% | 5,071 |
| Noninterest income to average assets | 0.6460% | 2,898 |
| Noninterest expense to average assets | 4.2244% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7584% | 6,756 |
| Return on assets (ROA) | -0.7584% | 6,772 |
| Pretax return on assets | -0.7584% | 6,749 |
| Return on Equity (ROE) | -7.8437% | 6,760 |
| Retained earnings to average equity (ytd only) | -7.8437% | 6,514 |
| Net charge-offs to loans | -0.1446% | 6,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8801% | 202 |
| Assets per employee ($millions) | 4.4554% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8827% | 316 |
| Loan loss allowance to noncurrent loans | 147.2340% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 7.9988% | 313 |
| Noncurrent loans to loans | 2.6371% | 1,952 |
| Net loans and leases to total assets | 60.0777% | 3,414 |
| Net loans and leases to deposits | 69.9057% | 3,496 |
| Net loans and leases to core deposits | 73.9927% | 3,577 |
| Total domestic deposits to total assets | 85.9411% | 3,558 |
| Equity capital to assets | 9.5629% | 4,770 |
| Core capital (leverage) ratio | 9.2336% | 4,508 |
| Tier 1 risk-based capital ratio | 16.8993% | 2,801 |
| Total risk-based capital ratio | 18.1906% | 2,753 |
| Memoranda: | ||
| Average total assets | $71,205,000 | 5,589 |
| Average earning assets | $63,623,500 | 5,628 |
| Average equity | $6,884,500 | 5,769 |
| Average total loans | $44,267,000 | 5,294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 4,577 |
| Cost of funding earning assets | 0.8389% | 2,366 |
| Net interest margin | 3.3665% | 5,015 |
| Noninterest income to average assets | 0.6218% | 3,155 |
| Noninterest expense to average assets | 4.1631% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.5130% | 6,574 |
| Return on assets (ROA) | -0.5130% | 6,612 |
| Pretax return on assets | -0.5130% | 6,579 |
| Return on Equity (ROE) | -5.0800% | 6,595 |
| Retained earnings to average equity (ytd only) | -5.0800% | 6,430 |
| Net charge-offs to loans | 0.8478% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.9284% | 5,747 |
| Efficiency ratio | 114.0534% | 277 |
| Assets per employee ($millions) | 4.4453% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8975% | 308 |
| Loan loss allowance to noncurrent loans | 103.9418% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 8.9196% | 278 |
| Noncurrent loans to loans | 3.7497% | 1,296 |
| Net loans and leases to total assets | 59.4216% | 3,700 |
| Net loans and leases to deposits | 69.2473% | 3,801 |
| Net loans and leases to core deposits | 73.0221% | 3,918 |
| Total domestic deposits to total assets | 85.8107% | 3,449 |
| Equity capital to assets | 9.7745% | 4,490 |
| Core capital (leverage) ratio | 9.4982% | 4,103 |
| Tier 1 risk-based capital ratio | 17.2411% | 2,544 |
| Total risk-based capital ratio | 18.5317% | 2,507 |
| Memoranda: | ||
| Average total assets | $70,764,800 | 5,608 |
| Average earning assets | $63,656,200 | 5,617 |
| Average equity | $7,145,600 | 5,719 |
| Average total loans | $46,117,000 | 5,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 4,431 |
| Cost of funding earning assets | 0.8662% | 2,420 |
| Net interest margin | 3.4396% | 4,880 |
| Noninterest income to average assets | 0.5697% | 3,473 |
| Noninterest expense to average assets | 4.1466% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4754% | 6,689 |
| Return on assets (ROA) | -0.4754% | 6,722 |
| Pretax return on assets | -0.4754% | 6,694 |
| Return on Equity (ROE) | -4.6704% | 6,706 |
| Retained earnings to average equity (ytd only) | -4.6704% | 6,595 |
| Net charge-offs to loans | 0.2829% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -2.5454% | 5,670 |
| Efficiency ratio | 112.9496% | 257 |
| Assets per employee ($millions) | 4.3425% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5744% | 196 |
| Loan loss allowance to noncurrent loans | 112.2552% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 8.7824% | 316 |
| Noncurrent loans to loans | 4.0750% | 1,242 |
| Net loans and leases to total assets | 60.2288% | 3,732 |
| Net loans and leases to deposits | 70.6541% | 3,809 |
| Net loans and leases to core deposits | 73.9608% | 3,977 |
| Total domestic deposits to total assets | 85.2447% | 3,640 |
| Equity capital to assets | 10.1655% | 4,252 |
| Core capital (leverage) ratio | 9.7836% | 3,831 |
| Tier 1 risk-based capital ratio | 17.9599% | 2,367 |
| Total risk-based capital ratio | 19.2607% | 2,315 |
| Memoranda: | ||
| Average total assets | $70,675,000 | 5,677 |
| Average earning assets | $63,727,000 | 5,673 |
| Average equity | $7,194,000 | 5,773 |
| Average total loans | $46,652,000 | 5,287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 4,457 |
| Cost of funding earning assets | 0.8815% | 2,546 |
| Net interest margin | 3.4480% | 4,890 |
| Noninterest income to average assets | 0.6219% | 3,118 |
| Noninterest expense to average assets | 4.2632% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.5262% | 6,744 |
| Return on assets (ROA) | -0.5262% | 6,780 |
| Pretax return on assets | -0.5262% | 6,751 |
| Return on Equity (ROE) | -5.1674% | 6,775 |
| Retained earnings to average equity (ytd only) | -5.1674% | 6,627 |
| Net charge-offs to loans | 0.4329% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.8155% | 5,370 |
| Efficiency ratio | 114.0813% | 276 |
| Assets per employee ($millions) | 4.0225% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4511% | 239 |
| Loan loss allowance to noncurrent loans | 100.1000% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 8.0064% | 429 |
| Noncurrent loans to loans | 4.4466% | 1,201 |
| Net loans and leases to total assets | 62.8460% | 3,263 |
| Net loans and leases to deposits | 75.2724% | 3,088 |
| Net loans and leases to core deposits | 78.5639% | 3,443 |
| Total domestic deposits to total assets | 83.4915% | 4,534 |
| Equity capital to assets | 10.4236% | 3,779 |
| Core capital (leverage) ratio | 9.8893% | 3,590 |
| Tier 1 risk-based capital ratio | 18.4532% | 2,147 |
| Total risk-based capital ratio | 19.7553% | 2,087 |
| Memoranda: | ||
| Average total assets | $71,073,330 | 5,699 |
| Average earning assets | $64,210,670 | 5,699 |
| Average equity | $7,237,670 | 5,774 |
| Average total loans | $47,585,000 | 5,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 4,562 |
| Cost of funding earning assets | 0.9083% | 2,624 |
| Net interest margin | 3.4319% | 4,990 |
| Noninterest income to average assets | 0.6076% | 3,182 |
| Noninterest expense to average assets | 3.9658% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2486% | 6,673 |
| Return on assets (ROA) | -0.2486% | 6,722 |
| Pretax return on assets | -0.2486% | 6,696 |
| Return on Equity (ROE) | -2.4683% | 6,720 |
| Retained earnings to average equity (ytd only) | -2.4683% | 6,332 |
| Net charge-offs to loans | 0.9327% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.3947% | 4,486 |
| Efficiency ratio | 106.6865% | 394 |
| Assets per employee ($millions) | 4.1339% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2074% | 315 |
| Loan loss allowance to noncurrent loans | 61.9670% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 8.8692% | 400 |
| Noncurrent loans to loans | 6.7898% | 683 |
| Net loans and leases to total assets | 64.5019% | 2,761 |
| Net loans and leases to deposits | 77.0473% | 2,668 |
| Net loans and leases to core deposits | 80.3040% | 3,040 |
| Total domestic deposits to total assets | 83.7173% | 4,628 |
| Equity capital to assets | 10.3448% | 3,678 |
| Core capital (leverage) ratio | 9.9777% | 3,386 |
| Tier 1 risk-based capital ratio | 17.9366% | 2,315 |
| Total risk-based capital ratio | 19.2359% | 2,274 |
| Memoranda: | ||
| Average total assets | $72,418,500 | 5,699 |
| Average earning assets | $65,620,500 | 5,698 |
| Average equity | $7,292,500 | 5,792 |
| Average total loans | $48,888,500 | 5,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 5,190 |
| Cost of funding earning assets | 1.1260% | 2,493 |
| Net interest margin | 3.3413% | 5,680 |
| Noninterest income to average assets | 0.4912% | 3,913 |
| Noninterest expense to average assets | 4.5858% | 539 |
| Loan and lease loss provision to assets | 3.8841% | 58 |
| Net operating income to assets | -4.9576% | 7,302 |
| Return on assets (ROA) | -4.9576% | 7,306 |
| Pretax return on assets | -4.9576% | 7,308 |
| Return on Equity (ROE) | -55.2689% | 7,225 |
| Retained earnings to average equity (ytd only) | -55.2689% | 7,224 |
| Net charge-offs to loans | 7.0802% | 27 |
| Credit loss provision to net charge-offs | 79.0331% | 4,498 |
| Earnings coverage of net charge-offs (x) | -0.2184% | 5,966 |
| Efficiency ratio | 130.5643% | 227 |
| Assets per employee ($millions) | 4.6600% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1720% | 333 |
| Loan loss allowance to noncurrent loans | 77.2761% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 7.5362% | 577 |
| Noncurrent loans to loans | 5.3988% | 993 |
| Net loans and leases to total assets | 64.8484% | 3,015 |
| Net loans and leases to deposits | 76.7001% | 3,059 |
| Net loans and leases to core deposits | 80.3360% | 3,414 |
| Total domestic deposits to total assets | 84.5480% | 4,067 |
| Equity capital to assets | 9.8109% | 4,425 |
| Core capital (leverage) ratio | 9.6160% | 3,838 |
| Tier 1 risk-based capital ratio | 16.9882% | 2,613 |
| Total risk-based capital ratio | 18.2863% | 2,537 |
| Memoranda: | ||
| Average total assets | $81,229,000 | 5,429 |
| Average earning assets | $73,444,200 | 5,420 |
| Average equity | $7,286,200 | 5,785 |
| Average total loans | $56,382,400 | 5,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 5,410 |
| Cost of funding earning assets | 1.1619% | 2,551 |
| Net interest margin | 3.2938% | 5,874 |
| Noninterest income to average assets | 0.6176% | 3,066 |
| Noninterest expense to average assets | 4.2606% | 747 |
| Loan and lease loss provision to assets | 5.0745% | 30 |
| Net operating income to assets | -5.4975% | 7,388 |
| Return on assets (ROA) | -5.4975% | 7,391 |
| Pretax return on assets | -5.7355% | 7,394 |
| Return on Equity (ROE) | -62.6078% | 7,329 |
| Retained earnings to average equity (ytd only) | -62.6078% | 7,326 |
| Net charge-offs to loans | 9.2076% | 15 |
| Credit loss provision to net charge-offs | 78.9540% | 4,170 |
| Earnings coverage of net charge-offs (x) | -0.1029% | 5,665 |
| Efficiency ratio | 118.3646% | 324 |
| Assets per employee ($millions) | 4.1268% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8654% | 434 |
| Loan loss allowance to noncurrent loans | 81.4657% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 8.2496% | 523 |
| Noncurrent loans to loans | 4.7448% | 1,354 |
| Net loans and leases to total assets | 70.3441% | 2,007 |
| Net loans and leases to deposits | 81.8961% | 2,379 |
| Net loans and leases to core deposits | 87.4395% | 2,568 |
| Total domestic deposits to total assets | 85.8943% | 3,269 |
| Equity capital to assets | 7.1673% | 7,022 |
| Core capital (leverage) ratio | 6.2076% | 7,111 |
| Tier 1 risk-based capital ratio | 11.1429% | 6,460 |
| Total risk-based capital ratio | 12.4375% | 6,423 |
| Memoranda: | ||
| Average total assets | $82,896,250 | 5,412 |
| Average earning assets | $75,049,250 | 5,419 |
| Average equity | $7,279,000 | 5,823 |
| Average total loans | $57,864,000 | 5,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 5,828 |
| Cost of funding earning assets | 1.1934% | 2,621 |
| Net interest margin | 3.1651% | 6,249 |
| Noninterest income to average assets | 0.5247% | 3,667 |
| Noninterest expense to average assets | 4.2627% | 779 |
| Loan and lease loss provision to assets | 3.7707% | 89 |
| Net operating income to assets | -4.4539% | 7,420 |
| Return on assets (ROA) | -4.4539% | 7,423 |
| Pretax return on assets | -4.6451% | 7,424 |
| Return on Equity (ROE) | -48.1674% | 7,342 |
| Retained earnings to average equity (ytd only) | -48.1674% | 7,339 |
| Net charge-offs to loans | 6.8672% | 57 |
| Credit loss provision to net charge-offs | 79.7731% | 3,780 |
| Earnings coverage of net charge-offs (x) | -0.1850% | 5,399 |
| Efficiency ratio | 125.8087% | 288 |
| Assets per employee ($millions) | 3.9427% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4981% | 277 |
| Loan loss allowance to noncurrent loans | 58.9523% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 9.6034% | 424 |
| Noncurrent loans to loans | 7.6301% | 619 |
| Net loans and leases to total assets | 61.9760% | 3,890 |
| Net loans and leases to deposits | 72.8991% | 3,968 |
| Net loans and leases to core deposits | 78.1253% | 4,040 |
| Total domestic deposits to total assets | 85.0161% | 3,872 |
| Equity capital to assets | 7.8764% | 6,757 |
| Core capital (leverage) ratio | 7.7634% | 6,536 |
| Tier 1 risk-based capital ratio | 13.9025% | 4,234 |
| Total risk-based capital ratio | 15.2058% | 4,171 |
| Memoranda: | ||
| Average total assets | $85,767,670 | 5,375 |
| Average earning assets | $77,595,330 | 5,380 |
| Average equity | $7,930,670 | 5,634 |
| Average total loans | $59,034,000 | 5,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 4,765 |
| Cost of funding earning assets | 1.2058% | 2,777 |
| Net interest margin | 3.4386% | 5,271 |
| Noninterest income to average assets | 0.6520% | 2,832 |
| Noninterest expense to average assets | 4.3667% | 680 |
| Loan and lease loss provision to assets | 1.0178% | 745 |
| Net operating income to assets | -1.5197% | 7,206 |
| Return on assets (ROA) | -1.5197% | 7,208 |
| Pretax return on assets | -1.5760% | 7,182 |
| Return on Equity (ROE) | -15.2830% | 7,153 |
| Retained earnings to average equity (ytd only) | -15.2830% | 7,053 |
| Net charge-offs to loans | 1.6886% | 783 |
| Credit loss provision to net charge-offs | 85.0980% | 3,038 |
| Earnings coverage of net charge-offs (x) | -0.4667% | 4,781 |
| Efficiency ratio | 114.6552% | 418 |
| Assets per employee ($millions) | 3.7741% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9997% | 192 |
| Loan loss allowance to noncurrent loans | 112.1236% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 8.1814% | 570 |
| Noncurrent loans to loans | 4.4591% | 1,572 |
| Net loans and leases to total assets | 66.4567% | 2,889 |
| Net loans and leases to deposits | 80.6322% | 2,586 |
| Net loans and leases to core deposits | 86.8879% | 2,749 |
| Total domestic deposits to total assets | 82.4196% | 5,136 |
| Equity capital to assets | 10.1385% | 3,608 |
| Core capital (leverage) ratio | 9.5598% | 3,712 |
| Tier 1 risk-based capital ratio | 16.7236% | 2,577 |
| Total risk-based capital ratio | 18.0325% | 2,523 |
| Memoranda: | ||
| Average total assets | $85,281,500 | 5,434 |
| Average earning assets | $78,287,000 | 5,408 |
| Average equity | $8,480,000 | 5,461 |
| Average total loans | $60,406,000 | 4,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 4,572 |
| Cost of funding earning assets | 1.4426% | 3,003 |
| Net interest margin | 3.5546% | 5,022 |
| Noninterest income to average assets | 0.5620% | 3,730 |
| Noninterest expense to average assets | 4.3118% | 800 |
| Loan and lease loss provision to assets | 2.3631% | 493 |
| Net operating income to assets | -2.7410% | 7,233 |
| Return on assets (ROA) | -2.7410% | 7,253 |
| Pretax return on assets | -2.8605% | 7,263 |
| Return on Equity (ROE) | -26.7944% | 7,174 |
| Retained earnings to average equity (ytd only) | -26.7944% | 7,159 |
| Net charge-offs to loans | 4.7161% | 210 |
| Credit loss provision to net charge-offs | 66.1145% | 5,953 |
| Earnings coverage of net charge-offs (x) | -0.1392% | 6,252 |
| Efficiency ratio | 113.0398% | 490 |
| Assets per employee ($millions) | 3.5013% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6900% | 243 |
| Loan loss allowance to noncurrent loans | 55.7091% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 10.2624% | 390 |
| Noncurrent loans to loans | 8.4188% | 590 |
| Net loans and leases to total assets | 68.3022% | 2,911 |
| Net loans and leases to deposits | 82.0889% | 2,784 |
| Net loans and leases to core deposits | 88.6311% | 2,962 |
| Total domestic deposits to total assets | 83.2052% | 4,707 |
| Equity capital to assets | 9.7586% | 4,042 |
| Core capital (leverage) ratio | 9.0991% | 4,359 |
| Tier 1 risk-based capital ratio | 15.7707% | 2,858 |
| Total risk-based capital ratio | 17.0743% | 2,795 |
| Memoranda: | ||
| Average total assets | $92,885,400 | 5,196 |
| Average earning assets | $84,987,600 | 5,182 |
| Average equity | $9,502,000 | 5,265 |
| Average total loans | $70,397,600 | 4,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 4,515 |
| Cost of funding earning assets | 1.4813% | 3,076 |
| Net interest margin | 3.5825% | 4,955 |
| Noninterest income to average assets | 0.8589% | 1,960 |
| Noninterest expense to average assets | 4.0810% | 952 |
| Loan and lease loss provision to assets | 1.7264% | 730 |
| Net operating income to assets | -1.6061% | 7,134 |
| Return on assets (ROA) | -1.6061% | 7,143 |
| Pretax return on assets | -1.6768% | 7,096 |
| Return on Equity (ROE) | -15.5338% | 7,126 |
| Retained earnings to average equity (ytd only) | -15.5338% | 7,099 |
| Net charge-offs to loans | 4.1871% | 279 |
| Credit loss provision to net charge-offs | 53.7208% | 5,833 |
| Earnings coverage of net charge-offs (x) | 0.0154% | 6,014 |
| Efficiency ratio | 98.8010% | 788 |
| Assets per employee ($millions) | 3.7954% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5685% | 239 |
| Loan loss allowance to noncurrent loans | 59.3467% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 11.2076% | 319 |
| Noncurrent loans to loans | 7.6979% | 693 |
| Net loans and leases to total assets | 69.1646% | 2,943 |
| Net loans and leases to deposits | 84.4169% | 2,638 |
| Net loans and leases to core deposits | 90.3099% | 3,054 |
| Total domestic deposits to total assets | 81.9322% | 5,024 |
| Equity capital to assets | 10.1581% | 3,940 |
| Core capital (leverage) ratio | 9.8515% | 3,429 |
| Tier 1 risk-based capital ratio | 16.0133% | 2,754 |
| Total risk-based capital ratio | 17.3147% | 2,681 |
| Memoranda: | ||
| Average total assets | $94,223,500 | 5,216 |
| Average earning assets | $86,045,250 | 5,205 |
| Average equity | $9,742,000 | 5,271 |
| Average total loans | $72,314,750 | 4,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 4,441 |
| Cost of funding earning assets | 1.5294% | 3,076 |
| Net interest margin | 3.5733% | 4,934 |
| Noninterest income to average assets | 0.8523% | 1,873 |
| Noninterest expense to average assets | 4.0937% | 931 |
| Loan and lease loss provision to assets | 1.8264% | 681 |
| Net operating income to assets | -1.7257% | 7,232 |
| Return on assets (ROA) | -1.7257% | 7,243 |
| Pretax return on assets | -1.8012% | 7,173 |
| Return on Equity (ROE) | -16.5977% | 7,191 |
| Retained earnings to average equity (ytd only) | -16.5977% | 7,154 |
| Net charge-offs to loans | 4.8029% | 225 |
| Credit loss provision to net charge-offs | 48.6849% | 5,451 |
| Earnings coverage of net charge-offs (x) | 0.0067% | 5,709 |
| Efficiency ratio | 99.3884% | 824 |
| Assets per employee ($millions) | 4.0317% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5209% | 250 |
| Loan loss allowance to noncurrent loans | 52.1696% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 12.1288% | 263 |
| Noncurrent loans to loans | 8.6658% | 568 |
| Net loans and leases to total assets | 71.7416% | 2,474 |
| Net loans and leases to deposits | 88.7226% | 2,049 |
| Net loans and leases to core deposits | 95.2849% | 2,539 |
| Total domestic deposits to total assets | 80.8606% | 5,452 |
| Equity capital to assets | 10.3160% | 3,629 |
| Core capital (leverage) ratio | 9.7464% | 3,480 |
| Tier 1 risk-based capital ratio | 15.7540% | 2,776 |
| Total risk-based capital ratio | 17.0547% | 2,724 |
| Memoranda: | ||
| Average total assets | $95,268,000 | 5,214 |
| Average earning assets | $87,090,670 | 5,205 |
| Average equity | $9,905,000 | 5,231 |
| Average total loans | $74,413,670 | 4,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 4,011 |
| Cost of funding earning assets | 1.5453% | 3,301 |
| Net interest margin | 3.6555% | 4,462 |
| Noninterest income to average assets | 0.7790% | 2,124 |
| Noninterest expense to average assets | 4.0938% | 909 |
| Loan and lease loss provision to assets | 1.4502% | 815 |
| Net operating income to assets | -1.3549% | 7,281 |
| Return on assets (ROA) | -1.3549% | 7,291 |
| Pretax return on assets | -1.4129% | 7,229 |
| Return on Equity (ROE) | -12.9833% | 7,254 |
| Retained earnings to average equity (ytd only) | -12.9833% | 7,117 |
| Net charge-offs to loans | 5.1418% | 232 |
| Credit loss provision to net charge-offs | 35.4610% | 4,729 |
| Earnings coverage of net charge-offs (x) | 0.0091% | 5,016 |
| Efficiency ratio | 99.0973% | 878 |
| Assets per employee ($millions) | 3.6925% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6400% | 235 |
| Loan loss allowance to noncurrent loans | 45.9354% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 12.2701% | 244 |
| Noncurrent loans to loans | 10.1012% | 413 |
| Net loans and leases to total assets | 73.4246% | 2,100 |
| Net loans and leases to deposits | 90.4776% | 1,831 |
| Net loans and leases to core deposits | 98.0172% | 2,343 |
| Total domestic deposits to total assets | 81.1522% | 5,400 |
| Equity capital to assets | 10.3233% | 3,440 |
| Core capital (leverage) ratio | 10.1501% | 2,981 |
| Tier 1 risk-based capital ratio | 15.6090% | 2,824 |
| Total risk-based capital ratio | 16.9111% | 2,748 |
| Memoranda: | ||
| Average total assets | $96,537,000 | 5,243 |
| Average earning assets | $88,524,500 | 5,212 |
| Average equity | $10,074,500 | 5,215 |
| Average total loans | $76,782,500 | 4,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 4,766 |
| Cost of funding earning assets | 1.9919% | 2,999 |
| Net interest margin | 3.3924% | 5,397 |
| Noninterest income to average assets | 0.5813% | 3,774 |
| Noninterest expense to average assets | 3.8258% | 1,648 |
| Loan and lease loss provision to assets | 4.0712% | 324 |
| Net operating income to assets | -3.9535% | 7,597 |
| Return on assets (ROA) | -3.9535% | 7,598 |
| Pretax return on assets | -4.1264% | 7,561 |
| Return on Equity (ROE) | -37.5402% | 7,531 |
| Retained earnings to average equity (ytd only) | -37.5402% | 7,520 |
| Net charge-offs to loans | 2.5676% | 890 |
| Credit loss provision to net charge-offs | 196.3319% | 2,012 |
| Earnings coverage of net charge-offs (x) | -0.0266% | 6,240 |
| Efficiency ratio | 101.4649% | 1,033 |
| Assets per employee ($millions) | 3.7334% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1065% | 166 |
| Loan loss allowance to noncurrent loans | 33.4925% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 16.6831% | 103 |
| Noncurrent loans to loans | 15.2468% | 166 |
| Net loans and leases to total assets | 77.8588% | 1,418 |
| Net loans and leases to deposits | 96.0647% | 1,320 |
| Net loans and leases to core deposits | 133.5336% | 1,087 |
| Total domestic deposits to total assets | 81.0483% | 5,331 |
| Equity capital to assets | 10.5472% | 3,132 |
| Core capital (leverage) ratio | 10.0063% | 3,084 |
| Tier 1 risk-based capital ratio | 14.3657% | 3,281 |
| Total risk-based capital ratio | 15.6706% | 3,200 |
| Memoranda: | ||
| Average total assets | $110,434,000 | 4,811 |
| Average earning assets | $103,820,200 | 4,731 |
| Average equity | $11,630,200 | 4,830 |
| Average total loans | $89,189,600 | 4,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 6,180 |
| Cost of funding earning assets | 2.0374% | 3,172 |
| Net interest margin | 3.0895% | 6,340 |
| Noninterest income to average assets | 0.6105% | 3,620 |
| Noninterest expense to average assets | 3.3433% | 2,751 |
| Loan and lease loss provision to assets | 5.0871% | 163 |
| Net operating income to assets | -4.6933% | 7,815 |
| Return on assets (ROA) | -4.6933% | 7,814 |
| Pretax return on assets | -4.8984% | 7,797 |
| Return on Equity (ROE) | -44.5797% | 7,794 |
| Retained earnings to average equity (ytd only) | -44.5797% | 7,789 |
| Net charge-offs to loans | 2.4737% | 742 |
| Credit loss provision to net charge-offs | 255.5032% | 1,676 |
| Earnings coverage of net charge-offs (x) | 0.0948% | 5,947 |
| Efficiency ratio | 94.6583% | 1,361 |
| Assets per employee ($millions) | 4.2426% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3654% | 110 |
| Loan loss allowance to noncurrent loans | 28.1702% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 18.1276% | 67 |
| Noncurrent loans to loans | 19.0465% | 75 |
| Net loans and leases to total assets | 74.8814% | 2,271 |
| Net loans and leases to deposits | 90.5498% | 2,470 |
| Net loans and leases to core deposits | 134.4352% | 1,184 |
| Total domestic deposits to total assets | 82.6965% | 4,365 |
| Equity capital to assets | 9.5687% | 4,654 |
| Core capital (leverage) ratio | 9.1138% | 4,466 |
| Tier 1 risk-based capital ratio | 14.8167% | 3,126 |
| Total risk-based capital ratio | 16.1321% | 3,036 |
| Memoranda: | ||
| Average total assets | $113,775,500 | 4,750 |
| Average earning assets | $107,586,750 | 4,663 |
| Average equity | $11,978,250 | 4,796 |
| Average total loans | $91,576,250 | 4,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4739% | 4,756 |
| Cost of funding earning assets | 2.0840% | 3,342 |
| Net interest margin | 3.3899% | 5,213 |
| Noninterest income to average assets | 0.6807% | 3,111 |
| Noninterest expense to average assets | 3.1836% | 3,375 |
| Loan and lease loss provision to assets | 1.7895% | 922 |
| Net operating income to assets | -1.0348% | 7,013 |
| Return on assets (ROA) | -1.0348% | 7,009 |
| Pretax return on assets | -1.0795% | 6,870 |
| Return on Equity (ROE) | -9.5647% | 6,999 |
| Retained earnings to average equity (ytd only) | -9.5647% | 6,825 |
| Net charge-offs to loans | 1.8125% | 1,040 |
| Credit loss provision to net charge-offs | 122.0399% | 3,809 |
| Earnings coverage of net charge-offs (x) | 0.4842% | 5,219 |
| Efficiency ratio | 81.7660% | 2,752 |
| Assets per employee ($millions) | 4.4438% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2827% | 1,123 |
| Loan loss allowance to noncurrent loans | 21.9332% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 9.2721% | 354 |
| Noncurrent loans to loans | 10.4076% | 323 |
| Net loans and leases to total assets | 75.9148% | 2,202 |
| Net loans and leases to deposits | 94.3556% | 2,036 |
| Net loans and leases to core deposits | 140.0591% | 1,008 |
| Total domestic deposits to total assets | 80.4561% | 5,298 |
| Equity capital to assets | 11.5129% | 2,530 |
| Core capital (leverage) ratio | 11.5369% | 2,065 |
| Tier 1 risk-based capital ratio | 17.6775% | 2,094 |
| Total risk-based capital ratio | 18.9454% | 2,043 |
| Memoranda: | ||
| Average total assets | $116,345,670 | 4,720 |
| Average earning assets | $110,268,670 | 4,616 |
| Average equity | $12,588,000 | 4,660 |
| Average total loans | $94,126,330 | 4,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7841% | 3,384 |
| Cost of funding earning assets | 2.1569% | 3,382 |
| Net interest margin | 3.6273% | 4,203 |
| Noninterest income to average assets | 0.6236% | 3,392 |
| Noninterest expense to average assets | 2.8403% | 4,380 |
| Loan and lease loss provision to assets | 1.0279% | 1,277 |
| Net operating income to assets | 0.1850% | 5,702 |
| Return on assets (ROA) | 0.1850% | 5,879 |
| Pretax return on assets | 0.1953% | 5,947 |
| Return on Equity (ROE) | 1.7660% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.7660% | 4,869 |
| Net charge-offs to loans | 0.6811% | 1,820 |
| Credit loss provision to net charge-offs | 182.9268% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.1768% | 3,652 |
| Efficiency ratio | 69.8988% | 4,602 |
| Assets per employee ($millions) | 5.1214% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 1,215 |
| Loan loss allowance to noncurrent loans | 53.9292% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.0402% | 1,268 |
| Noncurrent loans to loans | 3.9112% | 1,559 |
| Net loans and leases to total assets | 78.6802% | 1,647 |
| Net loans and leases to deposits | 96.1680% | 1,915 |
| Net loans and leases to core deposits | 146.9532% | 813 |
| Total domestic deposits to total assets | 81.8154% | 4,629 |
| Equity capital to assets | 10.4065% | 3,562 |
| Core capital (leverage) ratio | 10.5298% | 2,888 |
| Tier 1 risk-based capital ratio | 15.1962% | 2,969 |
| Total risk-based capital ratio | 16.4619% | 2,922 |
| Memoranda: | ||
| Average total assets | $116,748,500 | 4,736 |
| Average earning assets | $110,716,500 | 4,618 |
| Average equity | $12,231,000 | 4,778 |
| Average total loans | $96,309,000 | 4,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3665% | 526 |
| Cost of funding earning assets | 2.6779% | 3,275 |
| Net interest margin | 4.6886% | 992 |
| Noninterest income to average assets | 0.6690% | 3,339 |
| Noninterest expense to average assets | 2.8796% | 4,514 |
| Loan and lease loss provision to assets | 1.5776% | 840 |
| Net operating income to assets | 0.6786% | 3,991 |
| Return on assets (ROA) | 0.6786% | 3,827 |
| Pretax return on assets | 0.7094% | 4,365 |
| Return on Equity (ROE) | 6.1201% | 3,894 |
| Retained earnings to average equity (ytd only) | -4.5683% | 6,429 |
| Net charge-offs to loans | 0.7437% | 1,664 |
| Credit loss provision to net charge-offs | 245.1569% | 1,903 |
| Earnings coverage of net charge-offs (x) | 3.5539% | 4,316 |
| Efficiency ratio | 55.7349% | 7,049 |
| Assets per employee ($millions) | 4.8210% | 2,155 |
| Cash dividends to net income (ytd only)* | 174.6442% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 1,414 |
| Loan loss allowance to noncurrent loans | 78.4239% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.9878% | 1,537 |
| Noncurrent loans to loans | 2.4229% | 2,261 |
| Net loans and leases to total assets | 83.0396% | 1,039 |
| Net loans and leases to deposits | 99.6908% | 1,864 |
| Net loans and leases to core deposits | 144.8377% | 1,062 |
| Total domestic deposits to total assets | 83.2972% | 3,655 |
| Equity capital to assets | 10.5475% | 3,442 |
| Core capital (leverage) ratio | 10.4656% | 3,005 |
| Tier 1 risk-based capital ratio | 14.9654% | 3,065 |
| Total risk-based capital ratio | 16.2285% | 2,974 |
| Memoranda: | ||
| Average total assets | $113,904,400 | 4,669 |
| Average earning assets | $109,264,400 | 4,530 |
| Average equity | $12,630,600 | 4,665 |
| Average total loans | $98,556,000 | 3,990 |