| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8399% | 5,922 |
| Cost of funding earning assets | 0.1792% | 5,269 |
| Net interest margin | 1.6606% | 5,909 |
| Noninterest income to average assets | 0.2223% | 5,139 |
| Noninterest expense to average assets | 0.9841% | 5,926 |
| Loan and lease loss provision to assets | 0.0300% | 3,639 |
| Net operating income to assets | 0.3804% | 5,091 |
| Return on assets (ROA) | 0.3804% | 5,176 |
| Pretax return on assets | 0.6367% | 4,768 |
| Return on Equity (ROE) | 3.2827% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.2827% | 3,938 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8532% | 4,832 |
| Assets per employee ($millions) | 5.1525% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0335% | 5,923 |
| Loan loss allowance to noncurrent loans | 71.4286% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 3,033 |
| Noncurrent loans to loans | 0.0469% | 5,171 |
| Net loans and leases to total assets | 66.8033% | 2,990 |
| Net loans and leases to deposits | 86.0700% | 2,249 |
| Net loans and leases to core deposits | 97.2665% | 1,884 |
| Total domestic deposits to total assets | 77.6150% | 4,978 |
| Equity capital to assets | 12.6160% | 1,697 |
| Core capital (leverage) ratio | 10.6006% | 2,874 |
| Tier 1 risk-based capital ratio | 13.5570% | 3,829 |
| Total risk-based capital ratio | 13.5857% | 4,487 |
| Memoranda: |
| Average total assets | $133,177,000 | 3,803 |
| Average earning assets | $114,571,500 | 3,938 |
| Average equity | $15,433,750 | 3,789 |
| Average total loans | $92,190,250 | 3,545 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2114% | 6,053 |
| Cost of funding earning assets | 0.0243% | 6,013 |
| Net interest margin | 0.1871% | 6,053 |
| Noninterest income to average assets | 0.0181% | 5,971 |
| Noninterest expense to average assets | 0.0677% | 6,055 |
| Loan and lease loss provision to assets | 0.0150% | 3,807 |
| Net operating income to assets | 0.0647% | 5,707 |
| Return on assets (ROA) | 0.0647% | 5,742 |
| Pretax return on assets | 0.0978% | 5,725 |
| Return on Equity (ROE) | 0.5755% | 5,744 |
| Retained earnings to average equity (ytd only) | 0.5755% | 5,136 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 5,949 |
| Assets per employee ($millions) | 5.2627% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0105% | 6,004 |
| Loan loss allowance to noncurrent loans | 58.8235% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 2,712 |
| Noncurrent loans to loans | 0.0179% | 5,405 |
| Net loans and leases to total assets | 66.9634% | 2,946 |
| Net loans and leases to deposits | 84.0245% | 2,465 |
| Net loans and leases to core deposits | 94.6390% | 2,099 |
| Total domestic deposits to total assets | 79.6951% | 4,626 |
| Equity capital to assets | 11.6662% | 2,389 |
| Core capital (leverage) ratio | 8.6164% | 5,248 |
| Tier 1 risk-based capital ratio | 10.0120% | 5,853 |
| Total risk-based capital ratio | 10.0215% | 6,006 |
| Memoranda: |
| Average total assets | $132,914,330 | 3,829 |
| Average earning assets | $115,434,670 | 3,956 |
| Average equity | $14,944,670 | 3,864 |
| Average total loans | $93,079,330 | 3,544 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6063% | 1,248 |
| Cost of funding earning assets | 0.5177% | 1,963 |
| Net interest margin | 4.0886% | 1,375 |
| Noninterest income to average assets | 0.6359% | 2,340 |
| Noninterest expense to average assets | 2.9332% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8697% | 2,901 |
| Return on assets (ROA) | 1.0785% | 2,095 |
| Pretax return on assets | 1.6084% | 1,270 |
| Return on Equity (ROE) | 9.7958% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.7958% | 898 |
| Net charge-offs to loans | -0.0043% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3441% | 3,242 |
| Assets per employee ($millions) | 4.4327% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3041% | 2,875 |
| Loan loss allowance to noncurrent loans | 6,755.5556% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 2,597 |
| Noncurrent loans to loans | 0.0193% | 5,429 |
| Net loans and leases to total assets | 71.5917% | 2,100 |
| Net loans and leases to deposits | 85.4438% | 2,130 |
| Net loans and leases to core deposits | 97.0105% | 1,707 |
| Total domestic deposits to total assets | 83.7880% | 3,602 |
| Equity capital to assets | 11.1064% | 2,820 |
| Core capital (leverage) ratio | 11.2826% | 2,163 |
| Tier 1 risk-based capital ratio | 13.1833% | 4,148 |
| Total risk-based capital ratio | 14.3121% | 4,140 |
| Memoranda: |
| Average total assets | $128,324,500 | 3,945 |
| Average earning assets | $112,802,000 | 4,023 |
| Average equity | $14,128,500 | 3,993 |
| Average total loans | $92,038,500 | 3,573 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5682% | 1,418 |
| Cost of funding earning assets | 0.5309% | 1,920 |
| Net interest margin | 4.0373% | 1,600 |
| Noninterest income to average assets | 0.7928% | 1,815 |
| Noninterest expense to average assets | 3.1950% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7090% | 3,768 |
| Return on assets (ROA) | 0.7101% | 3,872 |
| Pretax return on assets | 1.0999% | 3,064 |
| Return on Equity (ROE) | 6.4276% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.2636% | 2,234 |
| Net charge-offs to loans | -0.0902% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4182% | 2,513 |
| Assets per employee ($millions) | 4.1323% | 3,688 |
| Cash dividends to net income (ytd only)* | 18.1084% | 3,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3376% | 2,718 |
| Loan loss allowance to noncurrent loans | 6,394.7368% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 2,570 |
| Noncurrent loans to loans | 0.0209% | 5,432 |
| Net loans and leases to total assets | 69.9575% | 2,370 |
| Net loans and leases to deposits | 83.4850% | 2,424 |
| Net loans and leases to core deposits | 91.8254% | 2,242 |
| Total domestic deposits to total assets | 83.7965% | 3,565 |
| Equity capital to assets | 10.9132% | 2,915 |
| Core capital (leverage) ratio | 11.2523% | 2,155 |
| Tier 1 risk-based capital ratio | 13.2694% | 4,123 |
| Total risk-based capital ratio | 14.4331% | 4,107 |
| Memoranda: |
| Average total assets | $122,097,400 | 4,033 |
| Average earning assets | $105,863,000 | 4,147 |
| Average equity | $13,488,800 | 4,049 |
| Average total loans | $84,275,200 | 3,715 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4582% | 1,733 |
| Cost of funding earning assets | 0.5324% | 1,952 |
| Net interest margin | 3.9258% | 1,949 |
| Noninterest income to average assets | 0.8215% | 1,722 |
| Noninterest expense to average assets | 3.2737% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6224% | 4,272 |
| Return on assets (ROA) | 0.6224% | 4,384 |
| Pretax return on assets | 0.9552% | 3,799 |
| Return on Equity (ROE) | 5.6161% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.0500% | 3,576 |
| Net charge-offs to loans | -0.1210% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4118% | 2,031 |
| Assets per employee ($millions) | 4.1877% | 3,540 |
| Cash dividends to net income (ytd only)* | 27.8865% | 2,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4189% | 2,509 |
| Loan loss allowance to noncurrent loans | 6,394.7368% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 2,527 |
| Noncurrent loans to loans | 0.0222% | 5,545 |
| Net loans and leases to total assets | 69.5122% | 2,460 |
| Net loans and leases to deposits | 83.4193% | 2,466 |
| Net loans and leases to core deposits | 90.4539% | 2,419 |
| Total domestic deposits to total assets | 83.3287% | 3,686 |
| Equity capital to assets | 11.2424% | 2,756 |
| Core capital (leverage) ratio | 11.1748% | 2,327 |
| Tier 1 risk-based capital ratio | 14.6520% | 3,466 |
| Total risk-based capital ratio | 15.9020% | 3,402 |
| Memoranda: |
| Average total assets | $120,596,250 | 4,107 |
| Average earning assets | $104,673,750 | 4,222 |
| Average equity | $13,366,000 | 4,112 |
| Average total loans | $82,636,000 | 3,789 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3894% | 1,887 |
| Cost of funding earning assets | 0.5311% | 1,971 |
| Net interest margin | 3.8584% | 2,112 |
| Noninterest income to average assets | 0.8361% | 1,647 |
| Noninterest expense to average assets | 3.3113% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5652% | 4,500 |
| Return on assets (ROA) | 0.5652% | 4,603 |
| Pretax return on assets | 0.8461% | 4,139 |
| Return on Equity (ROE) | 5.1242% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.7580% | 4,297 |
| Net charge-offs to loans | -0.1225% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6481% | 1,806 |
| Assets per employee ($millions) | 4.0280% | 3,829 |
| Cash dividends to net income (ytd only)* | 46.1765% | 2,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4405% | 2,564 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 2,060 |
| Noncurrent loans to loans | 0.3087% | 4,585 |
| Net loans and leases to total assets | 67.3781% | 2,737 |
| Net loans and leases to deposits | 80.7304% | 2,692 |
| Net loans and leases to core deposits | 87.5417% | 2,601 |
| Total domestic deposits to total assets | 83.4606% | 3,775 |
| Equity capital to assets | 11.0635% | 2,826 |
| Core capital (leverage) ratio | 10.7789% | 2,641 |
| Tier 1 risk-based capital ratio | 14.6512% | 3,551 |
| Total risk-based capital ratio | 15.9045% | 3,478 |
| Memoranda: |
| Average total assets | $120,314,330 | 4,150 |
| Average earning assets | $103,567,000 | 4,285 |
| Average equity | $13,270,330 | 4,152 |
| Average total loans | $81,637,330 | 3,833 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3977% | 1,776 |
| Cost of funding earning assets | 0.5265% | 2,039 |
| Net interest margin | 3.8712% | 1,989 |
| Noninterest income to average assets | 1.0629% | 999 |
| Noninterest expense to average assets | 3.4518% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6331% | 4,130 |
| Return on assets (ROA) | 0.6331% | 4,251 |
| Pretax return on assets | 0.9429% | 3,727 |
| Return on Equity (ROE) | 5.7484% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.3885% | 3,946 |
| Net charge-offs to loans | -0.2465% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5444% | 2,109 |
| Assets per employee ($millions) | 3.9598% | 4,039 |
| Cash dividends to net income (ytd only)* | 41.0526% | 2,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4891% | 2,490 |
| Loan loss allowance to noncurrent loans | 455.9387% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 1,993 |
| Noncurrent loans to loans | 0.3266% | 4,620 |
| Net loans and leases to total assets | 66.2693% | 2,731 |
| Net loans and leases to deposits | 79.7019% | 2,590 |
| Net loans and leases to core deposits | 85.7971% | 2,570 |
| Total domestic deposits to total assets | 83.1465% | 4,137 |
| Equity capital to assets | 11.2060% | 2,747 |
| Core capital (leverage) ratio | 10.9418% | 2,470 |
| Tier 1 risk-based capital ratio | 14.8427% | 3,517 |
| Total risk-based capital ratio | 16.0934% | 3,456 |
| Memoranda: |
| Average total assets | $120,052,000 | 4,182 |
| Average earning assets | $103,327,000 | 4,317 |
| Average equity | $13,221,000 | 4,202 |
| Average total loans | $81,151,500 | 3,855 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2309% | 2,845 |
| Cost of funding earning assets | 0.3932% | 3,757 |
| Net interest margin | 3.8377% | 2,481 |
| Noninterest income to average assets | 0.8815% | 1,561 |
| Noninterest expense to average assets | 3.2732% | 1,999 |
| Loan and lease loss provision to assets | -0.5811% | 6,458 |
| Net operating income to assets | 0.9709% | 2,522 |
| Return on assets (ROA) | 0.9709% | 2,610 |
| Pretax return on assets | 1.4877% | 1,591 |
| Return on Equity (ROE) | 8.4895% | 2,850 |
| Retained earnings to average equity (ytd only) | 6.6134% | 1,587 |
| Net charge-offs to loans | 0.0298% | 4,228 |
| Credit loss provision to net charge-offs | -2,954.5455% | 6,020 |
| Earnings coverage of net charge-offs (x) | 46.0909% | 986 |
| Efficiency ratio | 78.3102% | 2,160 |
| Assets per employee ($millions) | 4.3325% | 3,299 |
| Cash dividends to net income (ytd only)* | 22.0994% | 3,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3837% | 3,023 |
| Loan loss allowance to noncurrent loans | 435.1145% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.7229% | 1,545 |
| Noncurrent loans to loans | 0.3180% | 4,701 |
| Net loans and leases to total assets | 66.9763% | 2,733 |
| Net loans and leases to deposits | 80.2198% | 2,689 |
| Net loans and leases to core deposits | 85.1729% | 2,768 |
| Total domestic deposits to total assets | 83.4911% | 3,917 |
| Equity capital to assets | 10.8235% | 3,096 |
| Core capital (leverage) ratio | 10.9989% | 2,413 |
| Tier 1 risk-based capital ratio | 13.7814% | 4,245 |
| Total risk-based capital ratio | 15.0226% | 4,190 |
| Memoranda: |
| Average total assets | $111,849,400 | 4,353 |
| Average earning assets | $96,125,400 | 4,505 |
| Average equity | $12,792,200 | 4,231 |
| Average total loans | $73,839,600 | 4,062 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1074% | 3,346 |
| Cost of funding earning assets | 0.3396% | 4,466 |
| Net interest margin | 3.7678% | 2,745 |
| Noninterest income to average assets | 0.9548% | 1,353 |
| Noninterest expense to average assets | 3.1334% | 2,368 |
| Loan and lease loss provision to assets | -0.9134% | 6,566 |
| Net operating income to assets | 1.2811% | 1,427 |
| Return on assets (ROA) | 1.2811% | 1,480 |
| Pretax return on assets | 1.9777% | 600 |
| Return on Equity (ROE) | 11.0376% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.1385% | 942 |
| Net charge-offs to loans | 0.0725% | 3,159 |
| Credit loss provision to net charge-offs | -1,923.0769% | 5,955 |
| Earnings coverage of net charge-offs (x) | 22.4096% | 1,631 |
| Efficiency ratio | 74.6446% | 2,711 |
| Assets per employee ($millions) | 3.8241% | 4,236 |
| Cash dividends to net income (ytd only)* | 17.2055% | 3,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2718% | 3,796 |
| Loan loss allowance to noncurrent loans | 304.4643% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 2,852 |
| Noncurrent loans to loans | 0.4177% | 4,652 |
| Net loans and leases to total assets | 69.2235% | 2,318 |
| Net loans and leases to deposits | 83.6257% | 2,207 |
| Net loans and leases to core deposits | 88.6527% | 2,359 |
| Total domestic deposits to total assets | 82.7778% | 4,213 |
| Equity capital to assets | 11.4544% | 2,527 |
| Core capital (leverage) ratio | 11.6927% | 1,914 |
| Tier 1 risk-based capital ratio | 14.3147% | 4,019 |
| Total risk-based capital ratio | 15.4709% | 3,997 |
| Memoranda: |
| Average total assets | $109,484,250 | 4,431 |
| Average earning assets | $94,234,500 | 4,596 |
| Average equity | $12,707,750 | 4,274 |
| Average total loans | $71,702,250 | 4,169 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0646% | 3,487 |
| Cost of funding earning assets | 0.3088% | 4,890 |
| Net interest margin | 3.7557% | 2,735 |
| Noninterest income to average assets | 0.9876% | 1,235 |
| Noninterest expense to average assets | 3.1725% | 2,274 |
| Loan and lease loss provision to assets | -1.3923% | 6,647 |
| Net operating income to assets | 1.5556% | 783 |
| Return on assets (ROA) | 1.5556% | 817 |
| Pretax return on assets | 2.4133% | 250 |
| Return on Equity (ROE) | 13.3404% | 1,084 |
| Retained earnings to average equity (ytd only) | 11.3983% | 487 |
| Net charge-offs to loans | 0.1163% | 2,500 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,805 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,954 |
| Efficiency ratio | 75.6529% | 2,700 |
| Assets per employee ($millions) | 3.5479% | 4,759 |
| Cash dividends to net income (ytd only)* | 14.5585% | 3,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4210% | 3,241 |
| Loan loss allowance to noncurrent loans | 281.2672% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 2,688 |
| Noncurrent loans to loans | 0.5052% | 4,481 |
| Net loans and leases to total assets | 66.5470% | 2,665 |
| Net loans and leases to deposits | 76.4540% | 2,991 |
| Net loans and leases to core deposits | 77.6083% | 3,486 |
| Total domestic deposits to total assets | 87.0420% | 2,433 |
| Equity capital to assets | 12.2242% | 1,837 |
| Core capital (leverage) ratio | 11.8141% | 1,776 |
| Tier 1 risk-based capital ratio | 15.7742% | 3,211 |
| Total risk-based capital ratio | 17.0252% | 3,149 |
| Memoranda: |
| Average total assets | $107,737,670 | 4,493 |
| Average earning assets | $91,965,670 | 4,682 |
| Average equity | $12,563,330 | 4,309 |
| Average total loans | $68,790,000 | 4,276 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9368% | 3,941 |
| Cost of funding earning assets | 0.3125% | 4,947 |
| Net interest margin | 3.6243% | 3,163 |
| Noninterest income to average assets | 0.8931% | 1,414 |
| Noninterest expense to average assets | 3.1369% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5794% | 4,303 |
| Return on assets (ROA) | 0.5794% | 4,370 |
| Pretax return on assets | 0.8377% | 3,945 |
| Return on Equity (ROE) | 5.0893% | 4,504 |
| Retained earnings to average equity (ytd only) | 3.1768% | 4,222 |
| Net charge-offs to loans | -0.0119% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9229% | 2,348 |
| Assets per employee ($millions) | 3.6757% | 4,571 |
| Cash dividends to net income (ytd only)* | 37.5796% | 2,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7226% | 605 |
| Loan loss allowance to noncurrent loans | 465.1282% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 2.6436% | 1,167 |
| Noncurrent loans to loans | 0.5853% | 4,403 |
| Net loans and leases to total assets | 60.8034% | 3,429 |
| Net loans and leases to deposits | 69.3176% | 3,691 |
| Net loans and leases to core deposits | 69.6483% | 4,139 |
| Total domestic deposits to total assets | 87.7172% | 2,400 |
| Equity capital to assets | 11.6083% | 2,162 |
| Core capital (leverage) ratio | 11.1600% | 2,257 |
| Tier 1 risk-based capital ratio | 15.4867% | 3,439 |
| Total risk-based capital ratio | 16.7510% | 3,399 |
| Memoranda: |
| Average total assets | $108,388,500 | 4,524 |
| Average earning assets | $92,156,000 | 4,722 |
| Average equity | $12,339,500 | 4,365 |
| Average total loans | $67,259,500 | 4,349 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4996% | 2,206 |
| Cost of funding earning assets | 0.3465% | 5,177 |
| Net interest margin | 4.1531% | 1,487 |
| Noninterest income to average assets | 1.3470% | 763 |
| Noninterest expense to average assets | 3.4871% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8497% | 3,036 |
| Return on assets (ROA) | 0.8497% | 3,114 |
| Pretax return on assets | 1.2894% | 2,201 |
| Return on Equity (ROE) | 7.3578% | 3,382 |
| Retained earnings to average equity (ytd only) | 1.1640% | 5,307 |
| Net charge-offs to loans | -0.2226% | 6,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0050% | 3,287 |
| Assets per employee ($millions) | 3.9350% | 3,990 |
| Cash dividends to net income (ytd only)* | 84.1808% | 792 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6690% | 682 |
| Loan loss allowance to noncurrent loans | 392.2078% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 1,238 |
| Noncurrent loans to loans | 0.6805% | 4,273 |
| Net loans and leases to total assets | 59.9731% | 3,730 |
| Net loans and leases to deposits | 68.0981% | 4,041 |
| Net loans and leases to core deposits | 68.4111% | 4,461 |
| Total domestic deposits to total assets | 88.0687% | 2,137 |
| Equity capital to assets | 11.1680% | 2,465 |
| Core capital (leverage) ratio | 11.2059% | 2,190 |
| Tier 1 risk-based capital ratio | 15.0229% | 3,651 |
| Total risk-based capital ratio | 16.2869% | 3,586 |
| Memoranda: |
| Average total assets | $104,155,800 | 4,641 |
| Average earning assets | $86,007,600 | 4,882 |
| Average equity | $12,028,000 | 4,433 |
| Average total loans | $69,642,000 | 4,280 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5987% | 1,908 |
| Cost of funding earning assets | 0.3581% | 5,213 |
| Net interest margin | 4.2406% | 1,221 |
| Noninterest income to average assets | 1.4275% | 724 |
| Noninterest expense to average assets | 3.5343% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8949% | 2,858 |
| Return on assets (ROA) | 0.8949% | 2,976 |
| Pretax return on assets | 1.3690% | 2,045 |
| Return on Equity (ROE) | 7.6817% | 3,292 |
| Retained earnings to average equity (ytd only) | -0.1115% | 5,957 |
| Net charge-offs to loans | -0.2835% | 6,718 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0795% | 3,388 |
| Assets per employee ($millions) | 3.5053% | 4,839 |
| Cash dividends to net income (ytd only)* | 101.4521% | 393 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5653% | 869 |
| Loan loss allowance to noncurrent loans | 150.1247% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 4.0062% | 778 |
| Noncurrent loans to loans | 1.7088% | 2,631 |
| Net loans and leases to total assets | 69.8897% | 1,991 |
| Net loans and leases to deposits | 80.4995% | 2,340 |
| Net loans and leases to core deposits | 80.9211% | 3,013 |
| Total domestic deposits to total assets | 86.8200% | 2,791 |
| Equity capital to assets | 12.3689% | 1,657 |
| Core capital (leverage) ratio | 11.4080% | 2,116 |
| Tier 1 risk-based capital ratio | 14.4300% | 4,127 |
| Total risk-based capital ratio | 15.6937% | 4,075 |
| Memoranda: |
| Average total assets | $102,649,500 | 4,722 |
| Average earning assets | $84,137,750 | 4,972 |
| Average equity | $11,958,750 | 4,502 |
| Average total loans | $70,079,750 | 4,299 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3808% | 2,637 |
| Cost of funding earning assets | 0.3690% | 5,236 |
| Net interest margin | 4.0118% | 1,816 |
| Noninterest income to average assets | 1.2885% | 930 |
| Noninterest expense to average assets | 3.3951% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7835% | 3,383 |
| Return on assets (ROA) | 0.7835% | 3,548 |
| Pretax return on assets | 1.1714% | 2,803 |
| Return on Equity (ROE) | 6.8581% | 3,694 |
| Retained earnings to average equity (ytd only) | -4.0678% | 6,401 |
| Net charge-offs to loans | -0.0400% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3482% | 3,066 |
| Assets per employee ($millions) | 3.5796% | 4,670 |
| Cash dividends to net income (ytd only)* | 159.3137% | 177 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4000% | 1,093 |
| Loan loss allowance to noncurrent loans | 111.4000% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 4.3431% | 769 |
| Noncurrent loans to loans | 2.1544% | 2,228 |
| Net loans and leases to total assets | 67.7994% | 2,286 |
| Net loans and leases to deposits | 77.6094% | 2,622 |
| Net loans and leases to core deposits | 78.0049% | 3,288 |
| Total domestic deposits to total assets | 87.3598% | 2,613 |
| Equity capital to assets | 11.8480% | 2,008 |
| Core capital (leverage) ratio | 10.9538% | 2,403 |
| Tier 1 risk-based capital ratio | 14.1289% | 4,338 |
| Total risk-based capital ratio | 15.3905% | 4,288 |
| Memoranda: |
| Average total assets | $104,149,670 | 4,724 |
| Average earning assets | $85,099,000 | 4,978 |
| Average equity | $11,898,330 | 4,557 |
| Average total loans | $69,972,330 | 4,310 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3825% | 2,584 |
| Cost of funding earning assets | 0.4094% | 5,016 |
| Net interest margin | 3.9731% | 1,882 |
| Noninterest income to average assets | 1.1724% | 1,092 |
| Noninterest expense to average assets | 3.4002% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6559% | 3,925 |
| Return on assets (ROA) | 0.6559% | 4,081 |
| Pretax return on assets | 0.9914% | 3,390 |
| Return on Equity (ROE) | 5.8438% | 4,129 |
| Retained earnings to average equity (ytd only) | -15.9866% | 6,771 |
| Net charge-offs to loans | -0.0855% | 6,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4249% | 2,704 |
| Assets per employee ($millions) | 3.6589% | 4,646 |
| Cash dividends to net income (ytd only)* | 373.5632% | 51 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4184% | 1,221 |
| Loan loss allowance to noncurrent loans | 100.6017% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 5.0952% | 707 |
| Noncurrent loans to loans | 2.4039% | 2,158 |
| Net loans and leases to total assets | 65.8523% | 2,392 |
| Net loans and leases to deposits | 74.9603% | 2,779 |
| Net loans and leases to core deposits | 75.3218% | 3,409 |
| Total domestic deposits to total assets | 87.8496% | 2,415 |
| Equity capital to assets | 11.4018% | 2,518 |
| Core capital (leverage) ratio | 10.2397% | 3,093 |
| Tier 1 risk-based capital ratio | 13.9511% | 4,543 |
| Total risk-based capital ratio | 15.2132% | 4,494 |
| Memoranda: |
| Average total assets | $106,110,500 | 4,714 |
| Average earning assets | $85,979,000 | 4,985 |
| Average equity | $11,910,000 | 4,597 |
| Average total loans | $70,146,000 | 4,341 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6546% | 2,778 |
| Cost of funding earning assets | 0.6106% | 4,246 |
| Net interest margin | 4.0440% | 2,221 |
| Noninterest income to average assets | 1.7353% | 542 |
| Noninterest expense to average assets | 3.4852% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9869% | 2,396 |
| Return on assets (ROA) | 0.9869% | 2,620 |
| Pretax return on assets | 1.4862% | 1,725 |
| Return on Equity (ROE) | 8.7029% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.6602% | 923 |
| Net charge-offs to loans | 0.0562% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 40.3421% | 793 |
| Efficiency ratio | 70.1053% | 3,796 |
| Assets per employee ($millions) | 3.9204% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.4912% | 4,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3287% | 1,330 |
| Loan loss allowance to noncurrent loans | 97.2418% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 5.9879% | 579 |
| Noncurrent loans to loans | 2.3948% | 2,233 |
| Net loans and leases to total assets | 63.3112% | 3,007 |
| Net loans and leases to deposits | 71.8044% | 3,443 |
| Net loans and leases to core deposits | 72.1263% | 4,029 |
| Total domestic deposits to total assets | 88.1718% | 2,120 |
| Equity capital to assets | 11.0584% | 2,884 |
| Core capital (leverage) ratio | 10.7412% | 2,506 |
| Tier 1 risk-based capital ratio | 13.8778% | 4,465 |
| Total risk-based capital ratio | 15.1229% | 4,433 |
| Memoranda: |
| Average total assets | $103,149,800 | 4,757 |
| Average earning assets | $82,541,200 | 5,053 |
| Average equity | $11,697,200 | 4,632 |
| Average total loans | $67,646,400 | 4,434 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6861% | 2,856 |
| Cost of funding earning assets | 0.6465% | 4,226 |
| Net interest margin | 4.0396% | 2,341 |
| Noninterest income to average assets | 1.8720% | 459 |
| Noninterest expense to average assets | 3.4904% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0877% | 2,136 |
| Return on assets (ROA) | 1.0877% | 2,333 |
| Pretax return on assets | 1.6158% | 1,520 |
| Return on Equity (ROE) | 9.5279% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.4704% | 1,073 |
| Net charge-offs to loans | 0.0779% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 31.5377% | 1,059 |
| Efficiency ratio | 68.3561% | 3,990 |
| Assets per employee ($millions) | 3.7236% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.6042% | 3,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4622% | 1,250 |
| Loan loss allowance to noncurrent loans | 94.7368% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 6.9627% | 519 |
| Noncurrent loans to loans | 2.5990% | 2,198 |
| Net loans and leases to total assets | 65.2503% | 2,788 |
| Net loans and leases to deposits | 74.6812% | 3,189 |
| Net loans and leases to core deposits | 75.2000% | 3,824 |
| Total domestic deposits to total assets | 87.3717% | 2,449 |
| Equity capital to assets | 11.8923% | 2,359 |
| Core capital (leverage) ratio | 10.3921% | 3,045 |
| Tier 1 risk-based capital ratio | 14.2198% | 4,368 |
| Total risk-based capital ratio | 15.4812% | 4,333 |
| Memoranda: |
| Average total assets | $101,494,250 | 4,842 |
| Average earning assets | $81,259,750 | 5,135 |
| Average equity | $11,586,750 | 4,698 |
| Average total loans | $66,769,250 | 4,513 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6589% | 3,101 |
| Cost of funding earning assets | 0.6747% | 4,230 |
| Net interest margin | 3.9842% | 2,572 |
| Noninterest income to average assets | 1.8937% | 431 |
| Noninterest expense to average assets | 3.4416% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1020% | 2,037 |
| Return on assets (ROA) | 1.1020% | 2,258 |
| Pretax return on assets | 1.6422% | 1,421 |
| Return on Equity (ROE) | 9.7874% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.7002% | 1,058 |
| Net charge-offs to loans | 0.1201% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,367 |
| Efficiency ratio | 67.6971% | 4,186 |
| Assets per employee ($millions) | 3.8542% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.8913% | 3,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5243% | 1,250 |
| Loan loss allowance to noncurrent loans | 59.7257% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 7.9345% | 436 |
| Noncurrent loans to loans | 4.2265% | 1,282 |
| Net loans and leases to total assets | 61.4122% | 3,549 |
| Net loans and leases to deposits | 69.8006% | 3,927 |
| Net loans and leases to core deposits | 70.3840% | 4,488 |
| Total domestic deposits to total assets | 87.9824% | 2,152 |
| Equity capital to assets | 11.2450% | 2,847 |
| Core capital (leverage) ratio | 9.9633% | 3,468 |
| Tier 1 risk-based capital ratio | 13.6971% | 4,666 |
| Total risk-based capital ratio | 14.9594% | 4,632 |
| Memoranda: |
| Average total assets | $101,813,670 | 4,859 |
| Average earning assets | $81,521,670 | 5,165 |
| Average equity | $11,463,670 | 4,723 |
| Average total loans | $66,607,000 | 4,538 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6358% | 3,338 |
| Cost of funding earning assets | 0.7254% | 4,075 |
| Net interest margin | 3.9103% | 2,881 |
| Noninterest income to average assets | 2.8087% | 266 |
| Noninterest expense to average assets | 3.5913% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6010% | 860 |
| Return on assets (ROA) | 1.6010% | 963 |
| Pretax return on assets | 2.3439% | 421 |
| Return on Equity (ROE) | 14.2095% | 1,143 |
| Retained earnings to average equity (ytd only) | 14.0332% | 559 |
| Net charge-offs to loans | 0.0060% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 590.0000% | 39 |
| Efficiency ratio | 60.5087% | 5,542 |
| Assets per employee ($millions) | 3.6197% | 4,829 |
| Cash dividends to net income (ytd only)* | 1.2407% | 2,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5869% | 1,241 |
| Loan loss allowance to noncurrent loans | 59.5221% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 8.3353% | 450 |
| Noncurrent loans to loans | 4.3460% | 1,370 |
| Net loans and leases to total assets | 62.9401% | 3,057 |
| Net loans and leases to deposits | 71.6882% | 3,476 |
| Net loans and leases to core deposits | 72.2951% | 4,105 |
| Total domestic deposits to total assets | 87.7970% | 2,460 |
| Equity capital to assets | 11.3890% | 2,533 |
| Core capital (leverage) ratio | 10.0164% | 3,352 |
| Tier 1 risk-based capital ratio | 13.4806% | 4,842 |
| Total risk-based capital ratio | 14.7433% | 4,820 |
| Memoranda: |
| Average total assets | $100,688,500 | 4,923 |
| Average earning assets | $80,504,500 | 5,232 |
| Average equity | $11,344,500 | 4,755 |
| Average total loans | $67,129,000 | 4,543 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7587% | 3,991 |
| Cost of funding earning assets | 0.9164% | 3,992 |
| Net interest margin | 3.8423% | 3,615 |
| Noninterest income to average assets | 0.9659% | 1,457 |
| Noninterest expense to average assets | 3.7350% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2288% | 5,494 |
| Return on assets (ROA) | 0.2288% | 5,641 |
| Pretax return on assets | 0.2916% | 5,577 |
| Return on Equity (ROE) | 2.0500% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.0500% | 4,757 |
| Net charge-offs to loans | -0.0178% | 6,944 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7584% | 1,003 |
| Assets per employee ($millions) | 3.2266% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4646% | 1,364 |
| Loan loss allowance to noncurrent loans | 38.3745% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 8.4659% | 448 |
| Noncurrent loans to loans | 6.4226% | 736 |
| Net loans and leases to total assets | 67.0612% | 2,573 |
| Net loans and leases to deposits | 76.2068% | 3,151 |
| Net loans and leases to core deposits | 76.9252% | 3,836 |
| Total domestic deposits to total assets | 87.9990% | 2,155 |
| Equity capital to assets | 11.1432% | 2,850 |
| Core capital (leverage) ratio | 9.4056% | 4,175 |
| Tier 1 risk-based capital ratio | 12.2634% | 5,634 |
| Total risk-based capital ratio | 13.5262% | 5,599 |
| Memoranda: |
| Average total assets | $98,767,800 | 4,921 |
| Average earning assets | $78,677,200 | 5,272 |
| Average equity | $11,024,600 | 4,773 |
| Average total loans | $67,399,600 | 4,582 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7681% | 4,152 |
| Cost of funding earning assets | 0.9639% | 3,938 |
| Net interest margin | 3.8043% | 3,859 |
| Noninterest income to average assets | 0.9805% | 1,392 |
| Noninterest expense to average assets | 3.7337% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2167% | 5,652 |
| Return on assets (ROA) | 0.2167% | 5,786 |
| Pretax return on assets | 0.2668% | 5,778 |
| Return on Equity (ROE) | 1.9404% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.9404% | 5,167 |
| Net charge-offs to loans | 0.0079% | 6,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 49.2795% | 652 |
| Efficiency ratio | 93.3311% | 951 |
| Assets per employee ($millions) | 3.3047% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5081% | 1,385 |
| Loan loss allowance to noncurrent loans | 31.7511% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 9.8073% | 374 |
| Noncurrent loans to loans | 7.8991% | 559 |
| Net loans and leases to total assets | 65.8311% | 2,939 |
| Net loans and leases to deposits | 74.8752% | 3,530 |
| Net loans and leases to core deposits | 75.5881% | 4,246 |
| Total domestic deposits to total assets | 87.9211% | 2,077 |
| Equity capital to assets | 11.1761% | 2,981 |
| Core capital (leverage) ratio | 9.4519% | 4,224 |
| Tier 1 risk-based capital ratio | 12.4525% | 5,533 |
| Total risk-based capital ratio | 13.7150% | 5,512 |
| Memoranda: |
| Average total assets | $98,453,500 | 4,970 |
| Average earning assets | $78,156,250 | 5,323 |
| Average equity | $10,994,250 | 4,807 |
| Average total loans | $67,056,250 | 4,629 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7924% | 4,125 |
| Cost of funding earning assets | 1.0002% | 3,946 |
| Net interest margin | 3.7921% | 3,817 |
| Noninterest income to average assets | 0.8246% | 1,911 |
| Noninterest expense to average assets | 3.5755% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1995% | 5,742 |
| Return on assets (ROA) | 0.1995% | 5,856 |
| Pretax return on assets | 0.2443% | 5,825 |
| Return on Equity (ROE) | 1.7874% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.7874% | 5,100 |
| Net charge-offs to loans | 0.0149% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,074 |
| Efficiency ratio | 93.6034% | 1,004 |
| Assets per employee ($millions) | 3.4170% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5143% | 1,425 |
| Loan loss allowance to noncurrent loans | 31.1433% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 10.3568% | 364 |
| Noncurrent loans to loans | 8.0732% | 560 |
| Net loans and leases to total assets | 65.6558% | 3,107 |
| Net loans and leases to deposits | 74.6720% | 3,694 |
| Net loans and leases to core deposits | 75.3824% | 4,392 |
| Total domestic deposits to total assets | 87.9256% | 2,184 |
| Equity capital to assets | 11.1187% | 2,847 |
| Core capital (leverage) ratio | 9.3899% | 4,127 |
| Tier 1 risk-based capital ratio | 12.2508% | 5,568 |
| Total risk-based capital ratio | 13.5126% | 5,543 |
| Memoranda: |
| Average total assets | $98,224,670 | 5,015 |
| Average earning assets | $77,581,670 | 5,381 |
| Average equity | $10,965,670 | 4,810 |
| Average total loans | $67,093,670 | 4,676 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8801% | 3,690 |
| Cost of funding earning assets | 1.0353% | 3,952 |
| Net interest margin | 3.8448% | 3,394 |
| Noninterest income to average assets | 0.6258% | 2,999 |
| Noninterest expense to average assets | 3.4441% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1636% | 5,908 |
| Return on assets (ROA) | 0.1636% | 5,956 |
| Pretax return on assets | 0.2045% | 5,932 |
| Return on Equity (ROE) | 1.4626% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.4626% | 5,227 |
| Net charge-offs to loans | 0.0059% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 576 |
| Efficiency ratio | 94.3946% | 1,021 |
| Assets per employee ($millions) | 3.2583% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5576% | 1,373 |
| Loan loss allowance to noncurrent loans | 30.5042% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 11.2901% | 316 |
| Noncurrent loans to loans | 8.3844% | 570 |
| Net loans and leases to total assets | 65.5587% | 3,119 |
| Net loans and leases to deposits | 74.5498% | 3,677 |
| Net loans and leases to core deposits | 75.2590% | 4,387 |
| Total domestic deposits to total assets | 87.9395% | 2,407 |
| Equity capital to assets | 11.2103% | 2,496 |
| Core capital (leverage) ratio | 9.4084% | 3,947 |
| Tier 1 risk-based capital ratio | 12.1039% | 5,598 |
| Total risk-based capital ratio | 13.3631% | 5,587 |
| Memoranda: |
| Average total assets | $97,790,000 | 5,064 |
| Average earning assets | $76,883,500 | 5,451 |
| Average equity | $10,939,500 | 4,815 |
| Average total loans | $67,271,000 | 4,717 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2739% | 3,244 |
| Cost of funding earning assets | 1.2502% | 4,214 |
| Net interest margin | 4.0237% | 2,911 |
| Noninterest income to average assets | 0.9458% | 1,678 |
| Noninterest expense to average assets | 3.8473% | 1,395 |
| Loan and lease loss provision to assets | 0.2912% | 4,467 |
| Net operating income to assets | 0.0316% | 5,749 |
| Return on assets (ROA) | 0.0316% | 5,885 |
| Pretax return on assets | -0.0217% | 5,925 |
| Return on Equity (ROE) | 0.2942% | 5,883 |
| Retained earnings to average equity (ytd only) | 0.2942% | 5,436 |
| Net charge-offs to loans | 0.4672% | 3,747 |
| Credit loss provision to net charge-offs | 85.7558% | 5,302 |
| Earnings coverage of net charge-offs (x) | 0.7936% | 5,333 |
| Efficiency ratio | 93.4532% | 1,092 |
| Assets per employee ($millions) | 3.2610% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4470% | 1,485 |
| Loan loss allowance to noncurrent loans | 27.6219% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 11.8357% | 287 |
| Noncurrent loans to loans | 8.8591% | 534 |
| Net loans and leases to total assets | 68.5815% | 2,845 |
| Net loans and leases to deposits | 78.0263% | 3,506 |
| Net loans and leases to core deposits | 78.7682% | 4,371 |
| Total domestic deposits to total assets | 87.8955% | 2,313 |
| Equity capital to assets | 11.1631% | 2,543 |
| Core capital (leverage) ratio | 9.3540% | 3,920 |
| Tier 1 risk-based capital ratio | 11.4948% | 5,918 |
| Total risk-based capital ratio | 12.7556% | 5,910 |
| Memoranda: |
| Average total assets | $101,293,000 | 4,947 |
| Average earning assets | $79,826,400 | 5,353 |
| Average equity | $10,878,000 | 4,895 |
| Average total loans | $73,624,200 | 4,541 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3412% | 3,159 |
| Cost of funding earning assets | 1.3067% | 4,171 |
| Net interest margin | 4.0345% | 2,934 |
| Noninterest income to average assets | 0.9593% | 1,590 |
| Noninterest expense to average assets | 3.9102% | 1,186 |
| Loan and lease loss provision to assets | 0.3850% | 3,579 |
| Net operating income to assets | -0.0561% | 6,111 |
| Return on assets (ROA) | -0.0561% | 6,221 |
| Pretax return on assets | -0.1644% | 6,291 |
| Return on Equity (ROE) | -0.5275% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.5275% | 5,928 |
| Net charge-offs to loans | 0.5755% | 3,021 |
| Credit loss provision to net charge-offs | 91.3313% | 4,711 |
| Earnings coverage of net charge-offs (x) | 0.5232% | 5,503 |
| Efficiency ratio | 94.6603% | 965 |
| Assets per employee ($millions) | 3.0588% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3464% | 1,555 |
| Loan loss allowance to noncurrent loans | 26.7378% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 12.5539% | 242 |
| Noncurrent loans to loans | 8.7755% | 560 |
| Net loans and leases to total assets | 72.4536% | 2,147 |
| Net loans and leases to deposits | 82.3787% | 3,035 |
| Net loans and leases to core deposits | 83.1612% | 4,072 |
| Total domestic deposits to total assets | 87.9518% | 1,991 |
| Equity capital to assets | 11.0786% | 2,878 |
| Core capital (leverage) ratio | 9.2524% | 4,271 |
| Tier 1 risk-based capital ratio | 10.7687% | 6,572 |
| Total risk-based capital ratio | 12.0094% | 6,567 |
| Memoranda: |
| Average total assets | $102,158,500 | 4,983 |
| Average earning assets | $80,304,500 | 5,396 |
| Average equity | $10,867,250 | 4,958 |
| Average total loans | $74,836,000 | 4,571 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2589% | 3,658 |
| Cost of funding earning assets | 1.3434% | 4,229 |
| Net interest margin | 3.9155% | 3,376 |
| Noninterest income to average assets | 0.8766% | 1,772 |
| Noninterest expense to average assets | 3.7458% | 1,460 |
| Loan and lease loss provision to assets | 0.3862% | 3,404 |
| Net operating income to assets | -0.0656% | 6,181 |
| Return on assets (ROA) | -0.0656% | 6,268 |
| Pretax return on assets | -0.1603% | 6,300 |
| Return on Equity (ROE) | -0.6253% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.6253% | 5,884 |
| Net charge-offs to loans | 0.2144% | 4,324 |
| Credit loss provision to net charge-offs | 246.9136% | 1,559 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 4,405 |
| Efficiency ratio | 94.3121% | 1,050 |
| Assets per employee ($millions) | 3.0989% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5393% | 1,252 |
| Loan loss allowance to noncurrent loans | 27.0495% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 13.1165% | 213 |
| Noncurrent loans to loans | 9.3877% | 491 |
| Net loans and leases to total assets | 71.6402% | 2,505 |
| Net loans and leases to deposits | 81.3005% | 3,385 |
| Net loans and leases to core deposits | 82.1475% | 4,395 |
| Total domestic deposits to total assets | 88.1178% | 1,945 |
| Equity capital to assets | 10.9444% | 2,925 |
| Core capital (leverage) ratio | 9.0322% | 4,554 |
| Tier 1 risk-based capital ratio | 10.7075% | 6,522 |
| Total risk-based capital ratio | 11.9689% | 6,497 |
| Memoranda: |
| Average total assets | $103,584,000 | 4,974 |
| Average earning assets | $81,879,670 | 5,373 |
| Average equity | $10,875,000 | 4,949 |
| Average total loans | $75,573,670 | 4,582 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1529% | 4,280 |
| Cost of funding earning assets | 1.4032% | 4,148 |
| Net interest margin | 3.7498% | 4,013 |
| Noninterest income to average assets | 0.7562% | 2,263 |
| Noninterest expense to average assets | 3.6637% | 1,590 |
| Loan and lease loss provision to assets | 0.1323% | 5,248 |
| Net operating income to assets | -0.0076% | 6,310 |
| Return on assets (ROA) | -0.0076% | 6,408 |
| Pretax return on assets | -0.0794% | 6,439 |
| Return on Equity (ROE) | -0.0735% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.0735% | 5,847 |
| Net charge-offs to loans | 0.0884% | 4,535 |
| Credit loss provision to net charge-offs | 205.8824% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 4,309 |
| Efficiency ratio | 98.5758% | 895 |
| Assets per employee ($millions) | 3.1945% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3139% | 1,559 |
| Loan loss allowance to noncurrent loans | 23.8095% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 13.5829% | 182 |
| Noncurrent loans to loans | 9.7184% | 443 |
| Net loans and leases to total assets | 72.2727% | 2,392 |
| Net loans and leases to deposits | 81.8153% | 3,311 |
| Net loans and leases to core deposits | 83.1261% | 4,323 |
| Total domestic deposits to total assets | 88.3364% | 1,887 |
| Equity capital to assets | 10.6482% | 3,092 |
| Core capital (leverage) ratio | 8.6720% | 5,067 |
| Tier 1 risk-based capital ratio | 10.3266% | 6,789 |
| Total risk-based capital ratio | 11.5860% | 6,778 |
| Memoranda: |
| Average total assets | $105,793,500 | 4,986 |
| Average earning assets | $83,525,000 | 5,379 |
| Average equity | $10,886,000 | 5,009 |
| Average total loans | $76,914,000 | 4,610 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5061% | 4,111 |
| Cost of funding earning assets | 1.8747% | 3,599 |
| Net interest margin | 3.6313% | 4,425 |
| Noninterest income to average assets | 0.7604% | 2,616 |
| Noninterest expense to average assets | 3.5960% | 2,156 |
| Loan and lease loss provision to assets | 2.0189% | 1,064 |
| Net operating income to assets | -1.0975% | 6,640 |
| Return on assets (ROA) | -1.0975% | 6,646 |
| Pretax return on assets | -1.9054% | 6,899 |
| Return on Equity (ROE) | -11.2618% | 6,717 |
| Retained earnings to average equity (ytd only) | -11.2618% | 6,619 |
| Net charge-offs to loans | 2.2631% | 1,038 |
| Credit loss provision to net charge-offs | 114.8148% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.0646% | 6,100 |
| Efficiency ratio | 96.9395% | 1,274 |
| Assets per employee ($millions) | 3.3140% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2149% | 1,625 |
| Loan loss allowance to noncurrent loans | 18.4491% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 13.8310% | 175 |
| Noncurrent loans to loans | 12.0054% | 280 |
| Net loans and leases to total assets | 69.9194% | 3,274 |
| Net loans and leases to deposits | 79.4270% | 4,097 |
| Net loans and leases to core deposits | 92.3647% | 4,838 |
| Total domestic deposits to total assets | 88.0298% | 1,963 |
| Equity capital to assets | 9.9549% | 3,823 |
| Core capital (leverage) ratio | 8.2639% | 5,692 |
| Tier 1 risk-based capital ratio | 10.0442% | 6,829 |
| Total risk-based capital ratio | 11.3030% | 6,795 |
| Memoranda: |
| Average total assets | $113,626,000 | 4,738 |
| Average earning assets | $92,279,800 | 5,054 |
| Average equity | $11,072,800 | 5,003 |
| Average total loans | $88,284,600 | 4,260 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6387% | 3,643 |
| Cost of funding earning assets | 1.9584% | 3,574 |
| Net interest margin | 3.6803% | 4,164 |
| Noninterest income to average assets | 0.7684% | 2,601 |
| Noninterest expense to average assets | 3.7258% | 1,762 |
| Loan and lease loss provision to assets | 2.6668% | 597 |
| Net operating income to assets | -1.6159% | 7,166 |
| Return on assets (ROA) | -1.6159% | 7,162 |
| Pretax return on assets | -2.6226% | 7,391 |
| Return on Equity (ROE) | -16.6674% | 7,263 |
| Retained earnings to average equity (ytd only) | -16.6674% | 7,217 |
| Net charge-offs to loans | 2.3434% | 795 |
| Credit loss provision to net charge-offs | 143.7343% | 3,402 |
| Earnings coverage of net charge-offs (x) | 0.0238% | 6,029 |
| Efficiency ratio | 98.8282% | 1,123 |
| Assets per employee ($millions) | 3.2391% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6419% | 931 |
| Loan loss allowance to noncurrent loans | 27.7539% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 12.9293% | 185 |
| Noncurrent loans to loans | 9.5192% | 434 |
| Net loans and leases to total assets | 71.4065% | 3,175 |
| Net loans and leases to deposits | 84.7514% | 3,530 |
| Net loans and leases to core deposits | 99.0353% | 4,480 |
| Total domestic deposits to total assets | 84.2541% | 3,601 |
| Equity capital to assets | 9.7557% | 4,412 |
| Core capital (leverage) ratio | 8.2977% | 5,841 |
| Tier 1 risk-based capital ratio | 9.6001% | 7,304 |
| Total risk-based capital ratio | 10.8633% | 7,260 |
| Memoranda: |
| Average total assets | $114,691,750 | 4,724 |
| Average earning assets | $93,541,750 | 5,054 |
| Average equity | $11,119,250 | 5,041 |
| Average total loans | $90,806,250 | 4,222 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6442% | 3,848 |
| Cost of funding earning assets | 2.0185% | 3,688 |
| Net interest margin | 3.6257% | 4,263 |
| Noninterest income to average assets | 0.8777% | 2,067 |
| Noninterest expense to average assets | 3.5384% | 2,223 |
| Loan and lease loss provision to assets | 3.9479% | 320 |
| Net operating income to assets | -2.2373% | 7,487 |
| Return on assets (ROA) | -2.2373% | 7,486 |
| Pretax return on assets | -3.6192% | 7,694 |
| Return on Equity (ROE) | -23.1228% | 7,594 |
| Retained earnings to average equity (ytd only) | -23.1228% | 7,553 |
| Net charge-offs to loans | 1.4126% | 1,332 |
| Credit loss provision to net charge-offs | 344.9624% | 1,343 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 5,388 |
| Efficiency ratio | 91.4998% | 1,681 |
| Assets per employee ($millions) | 3.0996% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5043% | 378 |
| Loan loss allowance to noncurrent loans | 29.7804% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 12.0372% | 179 |
| Noncurrent loans to loans | 11.7670% | 239 |
| Net loans and leases to total assets | 75.6361% | 2,278 |
| Net loans and leases to deposits | 89.7061% | 2,875 |
| Net loans and leases to core deposits | 103.2820% | 4,148 |
| Total domestic deposits to total assets | 84.3154% | 3,587 |
| Equity capital to assets | 9.7090% | 4,336 |
| Core capital (leverage) ratio | 8.0015% | 6,329 |
| Tier 1 risk-based capital ratio | 9.4862% | 7,398 |
| Total risk-based capital ratio | 10.7603% | 7,336 |
| Memoranda: |
| Average total assets | $116,212,330 | 4,724 |
| Average earning assets | $95,814,670 | 5,014 |
| Average equity | $11,244,330 | 5,015 |
| Average total loans | $94,150,330 | 4,164 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5642% | 4,549 |
| Cost of funding earning assets | 2.0434% | 3,906 |
| Net interest margin | 3.5208% | 4,647 |
| Noninterest income to average assets | 0.5906% | 3,621 |
| Noninterest expense to average assets | 3.2432% | 2,819 |
| Loan and lease loss provision to assets | 7.7418% | 71 |
| Net operating income to assets | -4.6201% | 8,019 |
| Return on assets (ROA) | -4.6201% | 8,011 |
| Pretax return on assets | -7.4347% | 8,093 |
| Return on Equity (ROE) | -47.8274% | 8,036 |
| Retained earnings to average equity (ytd only) | -47.8274% | 8,020 |
| Net charge-offs to loans | 0.7467% | 1,696 |
| Credit loss provision to net charge-offs | 1,260.4396% | 495 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,584 |
| Efficiency ratio | 91.3498% | 1,629 |
| Assets per employee ($millions) | 3.2318% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7804% | 265 |
| Loan loss allowance to noncurrent loans | 29.6631% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 13.2951% | 112 |
| Noncurrent loans to loans | 12.7444% | 157 |
| Net loans and leases to total assets | 77.6190% | 1,907 |
| Net loans and leases to deposits | 94.2346% | 2,231 |
| Net loans and leases to core deposits | 109.0785% | 3,553 |
| Total domestic deposits to total assets | 82.3678% | 4,417 |
| Equity capital to assets | 9.2527% | 5,007 |
| Core capital (leverage) ratio | 7.7301% | 6,849 |
| Tier 1 risk-based capital ratio | 8.8365% | 7,866 |
| Total risk-based capital ratio | 10.1144% | 7,903 |
| Memoranda: |
| Average total assets | $118,525,000 | 4,692 |
| Average earning assets | $99,637,500 | 4,928 |
| Average equity | $11,449,500 | 4,994 |
| Average total loans | $97,493,000 | 4,098 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0123% | 5,490 |
| Cost of funding earning assets | 2.8474% | 2,487 |
| Net interest margin | 3.1649% | 6,479 |
| Noninterest income to average assets | 0.6300% | 3,635 |
| Noninterest expense to average assets | 3.3705% | 2,761 |
| Loan and lease loss provision to assets | 1.4992% | 900 |
| Net operating income to assets | -0.9221% | 7,202 |
| Return on assets (ROA) | -0.9221% | 7,125 |
| Pretax return on assets | -1.5295% | 7,267 |
| Return on Equity (ROE) | -9.2033% | 7,215 |
| Retained earnings to average equity (ytd only) | -10.5756% | 7,122 |
| Net charge-offs to loans | 1.5702% | 733 |
| Credit loss provision to net charge-offs | 117.0406% | 4,608 |
| Earnings coverage of net charge-offs (x) | -0.0237% | 6,259 |
| Efficiency ratio | 100.9070% | 946 |
| Assets per employee ($millions) | 3.3529% | 5,085 |
| Cash dividends to net income (ytd only)* | -14.9115% | 7,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4199% | 3,088 |
| Loan loss allowance to noncurrent loans | 15.7353% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 8.4942% | 255 |
| Noncurrent loans to loans | 9.0238% | 262 |
| Net loans and leases to total assets | 82.5949% | 1,123 |
| Net loans and leases to deposits | 101.1639% | 1,684 |
| Net loans and leases to core deposits | 118.4669% | 2,837 |
| Total domestic deposits to total assets | 81.6447% | 4,349 |
| Equity capital to assets | 10.0525% | 3,969 |
| Core capital (leverage) ratio | 9.3486% | 4,233 |
| Tier 1 risk-based capital ratio | 10.4215% | 6,292 |
| Total risk-based capital ratio | 11.6728% | 6,166 |
| Memoranda: |
| Average total assets | $128,733,600 | 4,319 |
| Average earning assets | $110,241,200 | 4,510 |
| Average equity | $12,897,600 | 4,603 |
| Average total loans | $105,017,600 | 3,827 |
