Home > Western Bank > Performance and Condition Ratios
Western Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 421 |
| Cost of funding earning assets | 0.7807% | 2,637 |
| Net interest margin | 4.8311% | 381 |
| Noninterest income to average assets | -0.7223% | 5,353 |
| Noninterest expense to average assets | 9.2271% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -4.3012% | 5,345 |
| Return on assets (ROA) | -4.3012% | 5,344 |
| Pretax return on assets | -5.8824% | 5,351 |
| Return on Equity (ROE) | -25.8645% | 5,338 |
| Retained earnings to average equity (ytd only) | -31.7339% | 5,309 |
| Net charge-offs to loans | 0.0985% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -113.0000% | 2,735 |
| Efficiency ratio | 275.8755% | 7 |
| Assets per employee ($millions) | 4.6194% | 3,016 |
| Cash dividends to net income (ytd only)* | -22.6929% | 5,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,357 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 664 |
| Noncurrent loans to loans | 1.6999% | 908 |
| Net loans and leases to total assets | 50.9492% | 4,412 |
| Net loans and leases to deposits | 65.3356% | 4,104 |
| Net loans and leases to core deposits | 77.3799% | 3,569 |
| Total domestic deposits to total assets | 77.9808% | 4,519 |
| Equity capital to assets | 16.3525% | 525 |
| Core capital (leverage) ratio | 16.0000% | 532 |
| Tier 1 risk-based capital ratio | 28.8819% | 514 |
| Total risk-based capital ratio | 30.1363% | 507 |
| Memoranda: | ||
| Average total assets | $61,471,000 | 4,716 |
| Average earning assets | $51,748,500 | 4,801 |
| Average equity | $10,222,500 | 4,294 |
| Average total loans | $32,480,500 | 4,740 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 315 |
| Cost of funding earning assets | 0.7120% | 2,012 |
| Net interest margin | 4.9195% | 313 |
| Noninterest income to average assets | 0.5545% | 2,523 |
| Noninterest expense to average assets | 3.6862% | 788 |
| Loan and lease loss provision to assets | 0.0476% | 3,230 |
| Net operating income to assets | 0.8555% | 3,594 |
| Return on assets (ROA) | 0.8555% | 3,587 |
| Pretax return on assets | 1.1719% | 3,005 |
| Return on Equity (ROE) | 5.3335% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.4663% | 3,677 |
| Net charge-offs to loans | -0.0175% | 4,662 |
| Credit loss provision to net charge-offs | -516.6667% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1409% | 1,475 |
| Assets per employee ($millions) | 3.6994% | 4,318 |
| Cash dividends to net income (ytd only)* | 35.0090% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,672 |
| Loan loss allowance to noncurrent loans | 87.8957% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.6219% | 694 |
| Noncurrent loans to loans | 1.5840% | 928 |
| Net loans and leases to total assets | 53.1547% | 4,343 |
| Net loans and leases to deposits | 68.4081% | 3,947 |
| Net loans and leases to core deposits | 81.4368% | 3,312 |
| Total domestic deposits to total assets | 77.7023% | 4,535 |
| Equity capital to assets | 16.8946% | 425 |
| Core capital (leverage) ratio | 16.4091% | 466 |
| Tier 1 risk-based capital ratio | 26.3810% | 648 |
| Total risk-based capital ratio | 27.6320% | 641 |
| Memoranda: | ||
| Average total assets | $65,107,600 | 4,676 |
| Average earning assets | $57,586,600 | 4,719 |
| Average equity | $10,443,400 | 4,244 |
| Average total loans | $34,264,800 | 4,711 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 319 |
| Cost of funding earning assets | 0.6782% | 1,983 |
| Net interest margin | 4.8794% | 326 |
| Noninterest income to average assets | 0.4305% | 3,280 |
| Noninterest expense to average assets | 3.5616% | 906 |
| Loan and lease loss provision to assets | 0.1015% | 1,972 |
| Net operating income to assets | 0.7980% | 3,907 |
| Return on assets (ROA) | 0.7980% | 3,916 |
| Pretax return on assets | 1.1209% | 3,316 |
| Return on Equity (ROE) | 5.0393% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.6288% | 3,949 |
| Net charge-offs to loans | -0.0970% | 5,154 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4482% | 1,527 |
| Assets per employee ($millions) | 3.4033% | 4,679 |
| Cash dividends to net income (ytd only)* | 27.9891% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,588 |
| Loan loss allowance to noncurrent loans | 81.7308% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.6507% | 313 |
| Noncurrent loans to loans | 1.7510% | 884 |
| Net loans and leases to total assets | 54.3216% | 4,342 |
| Net loans and leases to deposits | 70.5242% | 3,877 |
| Net loans and leases to core deposits | 85.6794% | 3,026 |
| Total domestic deposits to total assets | 77.0255% | 4,641 |
| Equity capital to assets | 16.3014% | 488 |
| Core capital (leverage) ratio | 15.8987% | 532 |
| Tier 1 risk-based capital ratio | 23.7934% | 859 |
| Total risk-based capital ratio | 24.9943% | 849 |
| Memoranda: | ||
| Average total assets | $65,662,000 | 4,707 |
| Average earning assets | $58,584,500 | 4,746 |
| Average equity | $10,398,000 | 4,290 |
| Average total loans | $34,355,750 | 4,756 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3218% | 450 |
| Cost of funding earning assets | 0.6333% | 2,028 |
| Net interest margin | 4.6885% | 452 |
| Noninterest income to average assets | 0.4243% | 3,326 |
| Noninterest expense to average assets | 3.4821% | 1,020 |
| Loan and lease loss provision to assets | 0.0909% | 2,109 |
| Net operating income to assets | 0.6819% | 4,247 |
| Return on assets (ROA) | 0.6819% | 4,252 |
| Pretax return on assets | 1.0243% | 3,587 |
| Return on Equity (ROE) | 4.3477% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.1883% | 3,974 |
| Net charge-offs to loans | -0.0177% | 4,513 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7416% | 1,459 |
| Assets per employee ($millions) | 3.0001% | 5,093 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,104 |
| Loan loss allowance to noncurrent loans | 97.3029% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.4060% | 374 |
| Noncurrent loans to loans | 1.3489% | 1,259 |
| Net loans and leases to total assets | 53.4272% | 4,381 |
| Net loans and leases to deposits | 69.1472% | 3,934 |
| Net loans and leases to core deposits | 84.5737% | 3,034 |
| Total domestic deposits to total assets | 77.2658% | 4,697 |
| Equity capital to assets | 15.7980% | 538 |
| Core capital (leverage) ratio | 15.8537% | 523 |
| Tier 1 risk-based capital ratio | 25.1013% | 724 |
| Total risk-based capital ratio | 26.3314% | 714 |
| Memoranda: | ||
| Average total assets | $65,995,000 | 4,758 |
| Average earning assets | $58,739,000 | 4,799 |
| Average equity | $10,350,330 | 4,333 |
| Average total loans | $33,929,000 | 4,810 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 569 |
| Cost of funding earning assets | 0.5934% | 2,098 |
| Net interest margin | 4.5220% | 588 |
| Noninterest income to average assets | 0.4546% | 3,085 |
| Noninterest expense to average assets | 3.5095% | 986 |
| Loan and lease loss provision to assets | 0.0909% | 1,987 |
| Net operating income to assets | 0.6728% | 4,197 |
| Return on assets (ROA) | 0.6728% | 4,200 |
| Pretax return on assets | 0.8728% | 3,936 |
| Return on Equity (ROE) | 4.3057% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.1420% | 3,948 |
| Net charge-offs to loans | -0.0363% | 4,828 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4553% | 1,311 |
| Assets per employee ($millions) | 3.1485% | 5,044 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,908 |
| Loan loss allowance to noncurrent loans | 93.8017% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 2.4108% | 397 |
| Noncurrent loans to loans | 1.4736% | 1,202 |
| Net loans and leases to total assets | 48.9889% | 4,632 |
| Net loans and leases to deposits | 64.8572% | 4,164 |
| Net loans and leases to core deposits | 78.7183% | 3,432 |
| Total domestic deposits to total assets | 75.5335% | 5,015 |
| Equity capital to assets | 15.6506% | 548 |
| Core capital (leverage) ratio | 15.7272% | 529 |
| Tier 1 risk-based capital ratio | 27.0570% | 618 |
| Total risk-based capital ratio | 28.3062% | 607 |
| Memoranda: | ||
| Average total assets | $65,991,500 | 4,816 |
| Average earning assets | $58,647,000 | 4,855 |
| Average equity | $10,312,000 | 4,381 |
| Average total loans | $33,027,500 | 4,891 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 774 |
| Cost of funding earning assets | 0.5266% | 2,123 |
| Net interest margin | 4.3861% | 793 |
| Noninterest income to average assets | 0.4394% | 3,378 |
| Noninterest expense to average assets | 3.7022% | 788 |
| Loan and lease loss provision to assets | 0.0669% | 2,869 |
| Net operating income to assets | 0.4227% | 4,617 |
| Return on assets (ROA) | 0.4227% | 4,643 |
| Pretax return on assets | 0.6340% | 4,667 |
| Return on Equity (ROE) | 2.7433% | 4,900 |
| Retained earnings to average equity (ytd only) | 2.3980% | 3,893 |
| Net charge-offs to loans | 0.0689% | 2,467 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 20.9545% | 1,937 |
| Efficiency ratio | 84.0815% | 761 |
| Assets per employee ($millions) | 2.8637% | 5,286 |
| Cash dividends to net income (ytd only)* | 12.5899% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,170 |
| Loan loss allowance to noncurrent loans | 109.0226% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 2.3958% | 405 |
| Noncurrent loans to loans | 1.2014% | 1,477 |
| Net loans and leases to total assets | 49.7616% | 4,658 |
| Net loans and leases to deposits | 66.9315% | 4,111 |
| Net loans and leases to core deposits | 81.5684% | 3,280 |
| Total domestic deposits to total assets | 74.3471% | 5,152 |
| Equity capital to assets | 15.6018% | 568 |
| Core capital (leverage) ratio | 15.5761% | 527 |
| Tier 1 risk-based capital ratio | 27.0790% | 593 |
| Total risk-based capital ratio | 28.2632% | 587 |
| Memoranda: | ||
| Average total assets | $65,771,000 | 4,854 |
| Average earning assets | $59,437,400 | 4,871 |
| Average equity | $10,133,600 | 4,427 |
| Average total loans | $31,935,400 | 4,970 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 920 |
| Cost of funding earning assets | 0.5052% | 2,227 |
| Net interest margin | 4.2994% | 925 |
| Noninterest income to average assets | 0.4117% | 3,611 |
| Noninterest expense to average assets | 3.6218% | 843 |
| Loan and lease loss provision to assets | 0.0730% | 2,610 |
| Net operating income to assets | 0.3528% | 5,102 |
| Return on assets (ROA) | 0.3528% | 5,124 |
| Pretax return on assets | 0.6002% | 4,844 |
| Return on Equity (ROE) | 2.2974% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.8353% | 4,697 |
| Net charge-offs to loans | 0.1307% | 1,478 |
| Credit loss provision to net charge-offs | 116.1290% | 2,058 |
| Earnings coverage of net charge-offs (x) | 10.7104% | 2,567 |
| Efficiency ratio | 84.3248% | 731 |
| Assets per employee ($millions) | 2.8647% | 5,347 |
| Cash dividends to net income (ytd only)* | 20.1172% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,845 |
| Loan loss allowance to noncurrent loans | 69.4352% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 366 |
| Noncurrent loans to loans | 2.0283% | 835 |
| Net loans and leases to total assets | 44.4117% | 5,005 |
| Net loans and leases to deposits | 59.7708% | 4,649 |
| Net loans and leases to core deposits | 72.8327% | 4,079 |
| Total domestic deposits to total assets | 74.3034% | 5,206 |
| Equity capital to assets | 15.4444% | 643 |
| Core capital (leverage) ratio | 15.6908% | 538 |
| Tier 1 risk-based capital ratio | 29.7203% | 486 |
| Total risk-based capital ratio | 30.9695% | 482 |
| Memoranda: | ||
| Average total assets | $65,747,750 | 4,902 |
| Average earning assets | $59,386,250 | 4,925 |
| Average equity | $10,098,000 | 4,474 |
| Average total loans | $31,616,750 | 5,027 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,010 |
| Cost of funding earning assets | 0.4734% | 2,386 |
| Net interest margin | 4.2509% | 972 |
| Noninterest income to average assets | 0.4170% | 3,582 |
| Noninterest expense to average assets | 3.6255% | 842 |
| Loan and lease loss provision to assets | 0.0731% | 2,509 |
| Net operating income to assets | 0.3379% | 5,130 |
| Return on assets (ROA) | 0.3379% | 5,153 |
| Pretax return on assets | 0.5997% | 4,807 |
| Return on Equity (ROE) | 2.2041% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.5091% | 4,644 |
| Net charge-offs to loans | 0.1860% | 1,067 |
| Credit loss provision to net charge-offs | 80.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 7.3667% | 2,611 |
| Efficiency ratio | 84.3484% | 814 |
| Assets per employee ($millions) | 2.9774% | 5,287 |
| Cash dividends to net income (ytd only)* | 31.5315% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,250 |
| Loan loss allowance to noncurrent loans | 46.9435% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.9388% | 317 |
| Noncurrent loans to loans | 2.8448% | 475 |
| Net loans and leases to total assets | 45.9070% | 4,956 |
| Net loans and leases to deposits | 63.9760% | 4,366 |
| Net loans and leases to core deposits | 78.6576% | 3,534 |
| Total domestic deposits to total assets | 71.7566% | 5,468 |
| Equity capital to assets | 15.4346% | 628 |
| Core capital (leverage) ratio | 15.2807% | 583 |
| Tier 1 risk-based capital ratio | 28.8714% | 507 |
| Total risk-based capital ratio | 30.0901% | 503 |
| Memoranda: | ||
| Average total assets | $65,701,000 | 4,938 |
| Average earning assets | $59,987,000 | 4,948 |
| Average equity | $10,072,000 | 4,502 |
| Average total loans | $32,262,330 | 5,034 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 936 |
| Cost of funding earning assets | 0.4642% | 2,385 |
| Net interest margin | 4.2378% | 910 |
| Noninterest income to average assets | 0.4012% | 3,655 |
| Noninterest expense to average assets | 3.6595% | 821 |
| Loan and lease loss provision to assets | 0.0729% | 2,347 |
| Net operating income to assets | 0.3404% | 5,102 |
| Return on assets (ROA) | 0.3404% | 5,120 |
| Pretax return on assets | 0.5532% | 4,835 |
| Return on Equity (ROE) | 2.2282% | 5,296 |
| Retained earnings to average equity (ytd only) | 1.6314% | 4,452 |
| Net charge-offs to loans | 0.2413% | 743 |
| Credit loss provision to net charge-offs | 60.0000% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 2,314 |
| Efficiency ratio | 85.3901% | 854 |
| Assets per employee ($millions) | 3.0290% | 5,328 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,986 |
| Loan loss allowance to noncurrent loans | 37.1901% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.2895% | 275 |
| Noncurrent loans to loans | 3.2887% | 384 |
| Net loans and leases to total assets | 49.0838% | 4,746 |
| Net loans and leases to deposits | 68.7157% | 3,918 |
| Net loans and leases to core deposits | 84.2252% | 2,878 |
| Total domestic deposits to total assets | 71.4303% | 5,573 |
| Equity capital to assets | 15.1162% | 631 |
| Core capital (leverage) ratio | 15.3865% | 543 |
| Tier 1 risk-based capital ratio | 27.3426% | 604 |
| Total risk-based capital ratio | 28.5299% | 592 |
| Memoranda: | ||
| Average total assets | $65,800,500 | 4,984 |
| Average earning assets | $60,314,500 | 4,994 |
| Average equity | $10,053,000 | 4,533 |
| Average total loans | $33,155,000 | 5,050 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 793 |
| Cost of funding earning assets | 0.4186% | 2,821 |
| Net interest margin | 4.4378% | 716 |
| Noninterest income to average assets | 0.4665% | 3,437 |
| Noninterest expense to average assets | 3.7017% | 883 |
| Loan and lease loss provision to assets | 0.0547% | 3,284 |
| Net operating income to assets | 0.4908% | 4,669 |
| Return on assets (ROA) | 0.4908% | 4,743 |
| Pretax return on assets | 0.7537% | 4,328 |
| Return on Equity (ROE) | 3.2546% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.2268% | 4,266 |
| Net charge-offs to loans | 0.6843% | 319 |
| Credit loss provision to net charge-offs | 16.0714% | 3,702 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,843 |
| Efficiency ratio | 82.0755% | 1,195 |
| Assets per employee ($millions) | 3.0965% | 5,270 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 5,101 |
| Loan loss allowance to noncurrent loans | 52.6946% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.3021% | 542 |
| Noncurrent loans to loans | 1.5209% | 1,313 |
| Net loans and leases to total assets | 50.2530% | 4,750 |
| Net loans and leases to deposits | 71.5274% | 3,756 |
| Net loans and leases to core deposits | 88.4911% | 2,631 |
| Total domestic deposits to total assets | 70.2570% | 5,653 |
| Equity capital to assets | 15.4367% | 576 |
| Core capital (leverage) ratio | 15.3711% | 550 |
| Tier 1 risk-based capital ratio | 27.6761% | 586 |
| Total risk-based capital ratio | 28.4819% | 595 |
| Memoranda: | ||
| Average total assets | $65,807,200 | 5,015 |
| Average earning assets | $59,962,200 | 5,020 |
| Average equity | $9,924,400 | 4,595 |
| Average total loans | $32,732,600 | 5,106 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 746 |
| Cost of funding earning assets | 0.4163% | 2,874 |
| Net interest margin | 4.4707% | 676 |
| Noninterest income to average assets | 0.4788% | 3,385 |
| Noninterest expense to average assets | 3.6988% | 846 |
| Loan and lease loss provision to assets | 0.0545% | 3,171 |
| Net operating income to assets | 0.5070% | 4,672 |
| Return on assets (ROA) | 0.5070% | 4,772 |
| Pretax return on assets | 0.7818% | 4,359 |
| Return on Equity (ROE) | 3.3818% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.0075% | 4,682 |
| Net charge-offs to loans | 0.2407% | 971 |
| Credit loss provision to net charge-offs | 45.7627% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.0174% | 2,932 |
| Efficiency ratio | 81.5590% | 1,241 |
| Assets per employee ($millions) | 2.6522% | 5,639 |
| Cash dividends to net income (ytd only)* | 40.6383% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,824 |
| Loan loss allowance to noncurrent loans | 33.1492% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 3.5760% | 270 |
| Noncurrent loans to loans | 3.8411% | 304 |
| Net loans and leases to total assets | 49.1147% | 4,886 |
| Net loans and leases to deposits | 69.1724% | 4,048 |
| Net loans and leases to core deposits | 84.9662% | 3,040 |
| Total domestic deposits to total assets | 71.0033% | 5,643 |
| Equity capital to assets | 15.0594% | 731 |
| Core capital (leverage) ratio | 15.1552% | 604 |
| Tier 1 risk-based capital ratio | 27.2034% | 625 |
| Total risk-based capital ratio | 28.3803% | 618 |
| Memoranda: | ||
| Average total assets | $66,002,250 | 5,051 |
| Average earning assets | $59,884,750 | 5,067 |
| Average equity | $9,896,000 | 4,637 |
| Average total loans | $32,680,250 | 5,162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 658 |
| Cost of funding earning assets | 0.4038% | 2,994 |
| Net interest margin | 4.5349% | 573 |
| Noninterest income to average assets | 0.4856% | 3,296 |
| Noninterest expense to average assets | 3.7146% | 859 |
| Loan and lease loss provision to assets | 0.0546% | 3,058 |
| Net operating income to assets | 0.5190% | 4,604 |
| Return on assets (ROA) | 0.5190% | 4,722 |
| Pretax return on assets | 0.8406% | 4,154 |
| Return on Equity (ROE) | 3.4663% | 5,107 |
| Retained earnings to average equity (ytd only) | 1.7028% | 4,706 |
| Net charge-offs to loans | 0.1351% | 1,521 |
| Credit loss provision to net charge-offs | 81.8182% | 2,347 |
| Earnings coverage of net charge-offs (x) | 13.4091% | 2,128 |
| Efficiency ratio | 80.5793% | 1,435 |
| Assets per employee ($millions) | 2.6357% | 5,717 |
| Cash dividends to net income (ytd only)* | 50.8772% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,387 |
| Loan loss allowance to noncurrent loans | 44.9799% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 509 |
| Noncurrent loans to loans | 3.0653% | 478 |
| Net loans and leases to total assets | 48.6319% | 4,937 |
| Net loans and leases to deposits | 68.6438% | 4,118 |
| Net loans and leases to core deposits | 84.4645% | 3,039 |
| Total domestic deposits to total assets | 70.8467% | 5,736 |
| Equity capital to assets | 15.0577% | 719 |
| Core capital (leverage) ratio | 15.0395% | 605 |
| Tier 1 risk-based capital ratio | 27.7647% | 608 |
| Total risk-based capital ratio | 29.0323% | 592 |
| Memoranda: | ||
| Average total assets | $65,901,670 | 5,103 |
| Average earning assets | $59,934,670 | 5,112 |
| Average equity | $9,866,330 | 4,673 |
| Average total loans | $32,578,670 | 5,216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 542 |
| Cost of funding earning assets | 0.3930% | 3,158 |
| Net interest margin | 4.6430% | 465 |
| Noninterest income to average assets | 0.5462% | 2,830 |
| Noninterest expense to average assets | 3.6962% | 901 |
| Loan and lease loss provision to assets | 0.0546% | 2,849 |
| Net operating income to assets | 0.6312% | 4,056 |
| Return on assets (ROA) | 0.6312% | 4,170 |
| Pretax return on assets | 1.0257% | 3,387 |
| Return on Equity (ROE) | 4.2283% | 4,805 |
| Retained earnings to average equity (ytd only) | 0.6912% | 4,941 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3825% | 1,980 |
| Assets per employee ($millions) | 2.6282% | 5,773 |
| Cash dividends to net income (ytd only)* | 83.6538% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 2,386 |
| Loan loss allowance to noncurrent loans | 46.4718% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 552 |
| Noncurrent loans to loans | 3.0294% | 529 |
| Net loans and leases to total assets | 49.1370% | 4,881 |
| Net loans and leases to deposits | 69.4331% | 3,906 |
| Net loans and leases to core deposits | 85.5005% | 2,793 |
| Total domestic deposits to total assets | 70.7689% | 5,837 |
| Equity capital to assets | 14.9930% | 698 |
| Core capital (leverage) ratio | 14.9427% | 613 |
| Tier 1 risk-based capital ratio | 27.0245% | 673 |
| Total risk-based capital ratio | 28.2841% | 654 |
| Memoranda: | ||
| Average total assets | $65,906,000 | 5,154 |
| Average earning assets | $60,047,000 | 5,158 |
| Average equity | $9,838,500 | 4,690 |
| Average total loans | $32,621,500 | 5,249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 585 |
| Cost of funding earning assets | 0.3882% | 3,281 |
| Net interest margin | 4.6417% | 504 |
| Noninterest income to average assets | 0.6121% | 2,660 |
| Noninterest expense to average assets | 3.7808% | 883 |
| Loan and lease loss provision to assets | 0.0361% | 3,627 |
| Net operating income to assets | 0.7038% | 3,789 |
| Return on assets (ROA) | 0.7038% | 3,899 |
| Pretax return on assets | 1.0753% | 3,169 |
| Return on Equity (ROE) | 4.7996% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.0563% | 5,095 |
| Net charge-offs to loans | 0.1217% | 2,157 |
| Credit loss provision to net charge-offs | 60.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | 18.4750% | 2,009 |
| Efficiency ratio | 77.2825% | 2,077 |
| Assets per employee ($millions) | 2.6443% | 5,818 |
| Cash dividends to net income (ytd only)* | 77.9915% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 2,471 |
| Loan loss allowance to noncurrent loans | 35.6748% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 500 |
| Noncurrent loans to loans | 3.8988% | 317 |
| Net loans and leases to total assets | 48.4737% | 4,975 |
| Net loans and leases to deposits | 68.3189% | 4,105 |
| Net loans and leases to core deposits | 83.3941% | 3,011 |
| Total domestic deposits to total assets | 70.9521% | 5,854 |
| Equity capital to assets | 14.8636% | 689 |
| Core capital (leverage) ratio | 15.0489% | 603 |
| Tier 1 risk-based capital ratio | 27.0923% | 660 |
| Total risk-based capital ratio | 28.3435% | 643 |
| Memoranda: | ||
| Average total assets | $66,493,600 | 5,168 |
| Average earning assets | $61,313,400 | 5,154 |
| Average equity | $9,750,800 | 4,699 |
| Average total loans | $32,870,200 | 5,261 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 587 |
| Cost of funding earning assets | 0.3867% | 3,368 |
| Net interest margin | 4.6386% | 504 |
| Noninterest income to average assets | 0.6187% | 2,639 |
| Noninterest expense to average assets | 3.9084% | 736 |
| Loan and lease loss provision to assets | 0.0360% | 3,496 |
| Net operating income to assets | 0.5426% | 4,620 |
| Return on assets (ROA) | 0.5426% | 4,715 |
| Pretax return on assets | 0.9731% | 3,725 |
| Return on Equity (ROE) | 3.7127% | 5,138 |
| Retained earnings to average equity (ytd only) | -0.2603% | 5,654 |
| Net charge-offs to loans | 0.0243% | 3,451 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 83.9975% | 718 |
| Efficiency ratio | 79.4788% | 1,734 |
| Assets per employee ($millions) | 2.7043% | 5,830 |
| Cash dividends to net income (ytd only)* | 107.0132% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,283 |
| Loan loss allowance to noncurrent loans | 54.9087% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1401% | 917 |
| Noncurrent loans to loans | 2.6766% | 726 |
| Net loans and leases to total assets | 49.6857% | 4,956 |
| Net loans and leases to deposits | 70.5423% | 3,918 |
| Net loans and leases to core deposits | 86.5900% | 2,791 |
| Total domestic deposits to total assets | 70.4339% | 5,954 |
| Equity capital to assets | 14.9626% | 744 |
| Core capital (leverage) ratio | 14.7811% | 685 |
| Tier 1 risk-based capital ratio | 26.8254% | 703 |
| Total risk-based capital ratio | 28.0824% | 679 |
| Memoranda: | ||
| Average total assets | $66,590,000 | 5,230 |
| Average earning assets | $61,712,000 | 5,197 |
| Average equity | $9,732,000 | 4,760 |
| Average total loans | $32,963,500 | 5,323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 565 |
| Cost of funding earning assets | 0.3807% | 3,480 |
| Net interest margin | 4.6520% | 475 |
| Noninterest income to average assets | 0.6344% | 2,556 |
| Noninterest expense to average assets | 3.8599% | 804 |
| Loan and lease loss provision to assets | 0.0357% | 3,411 |
| Net operating income to assets | 0.5986% | 4,349 |
| Return on assets (ROA) | 0.5986% | 4,446 |
| Pretax return on assets | 1.0335% | 3,440 |
| Return on Equity (ROE) | 4.1277% | 4,966 |
| Retained earnings to average equity (ytd only) | -0.5134% | 5,609 |
| Net charge-offs to loans | 0.0303% | 3,056 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 71.8000% | 763 |
| Efficiency ratio | 78.3082% | 2,020 |
| Assets per employee ($millions) | 2.6432% | 5,957 |
| Cash dividends to net income (ytd only)* | 112.4378% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 2,594 |
| Loan loss allowance to noncurrent loans | 46.1613% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.5696% | 724 |
| Noncurrent loans to loans | 3.1052% | 624 |
| Net loans and leases to total assets | 49.4295% | 4,985 |
| Net loans and leases to deposits | 69.6647% | 3,966 |
| Net loans and leases to core deposits | 85.0156% | 2,879 |
| Total domestic deposits to total assets | 70.9534% | 5,989 |
| Equity capital to assets | 14.6777% | 774 |
| Core capital (leverage) ratio | 14.4866% | 717 |
| Tier 1 risk-based capital ratio | 26.2234% | 757 |
| Total risk-based capital ratio | 27.4732% | 742 |
| Memoranda: | ||
| Average total assets | $67,152,670 | 5,274 |
| Average earning assets | $61,994,670 | 5,252 |
| Average equity | $9,739,000 | 4,798 |
| Average total loans | $33,042,000 | 5,371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 545 |
| Cost of funding earning assets | 0.3717% | 3,624 |
| Net interest margin | 4.6656% | 441 |
| Noninterest income to average assets | 0.6028% | 2,635 |
| Noninterest expense to average assets | 3.7525% | 928 |
| Loan and lease loss provision to assets | 0.0355% | 3,195 |
| Net operating income to assets | 0.6796% | 3,892 |
| Return on assets (ROA) | 0.6796% | 4,020 |
| Pretax return on assets | 1.1169% | 3,005 |
| Return on Equity (ROE) | 4.7136% | 4,659 |
| Retained earnings to average equity (ytd only) | 2.4593% | 4,458 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5060% | 2,423 |
| Assets per employee ($millions) | 2.4978% | 6,114 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 2,629 |
| Loan loss allowance to noncurrent loans | 107.9727% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 2.0640% | 1,134 |
| Noncurrent loans to loans | 1.3506% | 2,129 |
| Net loans and leases to total assets | 47.4948% | 5,085 |
| Net loans and leases to deposits | 66.5579% | 4,100 |
| Net loans and leases to core deposits | 80.7538% | 3,078 |
| Total domestic deposits to total assets | 71.3587% | 6,068 |
| Equity capital to assets | 14.5194% | 825 |
| Core capital (leverage) ratio | 14.4611% | 700 |
| Tier 1 risk-based capital ratio | 27.4209% | 683 |
| Total risk-based capital ratio | 28.7683% | 661 |
| Memoranda: | ||
| Average total assets | $67,689,000 | 5,314 |
| Average earning assets | $62,414,500 | 5,297 |
| Average equity | $9,759,000 | 4,833 |
| Average total loans | $32,994,000 | 5,402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 613 |
| Cost of funding earning assets | 0.3716% | 4,020 |
| Net interest margin | 4.7428% | 487 |
| Noninterest income to average assets | 0.5850% | 2,952 |
| Noninterest expense to average assets | 3.9826% | 767 |
| Loan and lease loss provision to assets | 0.0525% | 3,504 |
| Net operating income to assets | 0.6127% | 4,312 |
| Return on assets (ROA) | 0.6127% | 4,415 |
| Pretax return on assets | 0.9439% | 3,718 |
| Return on Equity (ROE) | 4.2507% | 4,999 |
| Retained earnings to average equity (ytd only) | -1.3359% | 5,955 |
| Net charge-offs to loans | 0.0177% | 4,506 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 113.8333% | 465 |
| Efficiency ratio | 79.9883% | 1,930 |
| Assets per employee ($millions) | 2.7175% | 6,009 |
| Cash dividends to net income (ytd only)* | 131.4286% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,961 |
| Loan loss allowance to noncurrent loans | 102.8571% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.0902% | 1,188 |
| Noncurrent loans to loans | 1.3589% | 2,167 |
| Net loans and leases to total assets | 48.5965% | 5,108 |
| Net loans and leases to deposits | 67.7982% | 4,145 |
| Net loans and leases to core deposits | 82.0391% | 3,104 |
| Total domestic deposits to total assets | 71.6782% | 6,105 |
| Equity capital to assets | 14.3162% | 869 |
| Core capital (leverage) ratio | 14.2435% | 762 |
| Tier 1 risk-based capital ratio | 20.8332% | 1,436 |
| Total risk-based capital ratio | 21.8464% | 1,462 |
| Memoranda: | ||
| Average total assets | $68,547,800 | 5,332 |
| Average earning assets | $63,506,800 | 5,298 |
| Average equity | $9,880,800 | 4,774 |
| Average total loans | $33,898,200 | 5,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 676 |
| Cost of funding earning assets | 0.3810% | 4,005 |
| Net interest margin | 4.6975% | 506 |
| Noninterest income to average assets | 0.5706% | 3,064 |
| Noninterest expense to average assets | 3.9067% | 833 |
| Loan and lease loss provision to assets | 0.0699% | 2,952 |
| Net operating income to assets | 0.6036% | 4,427 |
| Return on assets (ROA) | 0.6036% | 4,517 |
| Pretax return on assets | 0.9490% | 3,797 |
| Return on Equity (ROE) | 4.1803% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.0700% | 5,016 |
| Net charge-offs to loans | 0.0079% | 4,440 |
| Credit loss provision to net charge-offs | 1,800.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 262.1648% | 258 |
| Efficiency ratio | 79.3144% | 2,008 |
| Assets per employee ($millions) | 2.4315% | 6,272 |
| Cash dividends to net income (ytd only)* | 50.4823% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 3,187 |
| Loan loss allowance to noncurrent loans | 123.1771% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0652% | 1,369 |
| Noncurrent loans to loans | 1.1354% | 2,787 |
| Net loans and leases to total assets | 48.9821% | 5,112 |
| Net loans and leases to deposits | 68.7063% | 4,054 |
| Net loans and leases to core deposits | 83.1828% | 2,974 |
| Total domestic deposits to total assets | 71.2920% | 6,214 |
| Equity capital to assets | 14.6985% | 811 |
| Core capital (leverage) ratio | 14.5013% | 725 |
| Tier 1 risk-based capital ratio | 27.3812% | 683 |
| Total risk-based capital ratio | 28.6320% | 668 |
| Memoranda: | ||
| Average total assets | $68,700,500 | 5,381 |
| Average earning assets | $63,692,500 | 5,349 |
| Average equity | $9,919,500 | 4,805 |
| Average total loans | $34,002,000 | 5,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 680 |
| Cost of funding earning assets | 0.3821% | 4,079 |
| Net interest margin | 4.6697% | 517 |
| Noninterest income to average assets | 0.5486% | 3,136 |
| Noninterest expense to average assets | 3.8864% | 866 |
| Loan and lease loss provision to assets | 0.0697% | 2,876 |
| Net operating income to assets | 0.5631% | 4,529 |
| Return on assets (ROA) | 0.5631% | 4,631 |
| Pretax return on assets | 0.9201% | 3,805 |
| Return on Equity (ROE) | 3.9230% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.8200% | 4,979 |
| Net charge-offs to loans | 0.0117% | 4,015 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 368 |
| Efficiency ratio | 79.7024% | 2,059 |
| Assets per employee ($millions) | 2.4595% | 6,321 |
| Cash dividends to net income (ytd only)* | 53.6082% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,524 |
| Loan loss allowance to noncurrent loans | 52.5057% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6370% | 1,022 |
| Noncurrent loans to loans | 2.5971% | 1,186 |
| Net loans and leases to total assets | 48.4216% | 5,138 |
| Net loans and leases to deposits | 67.5061% | 4,107 |
| Net loans and leases to core deposits | 81.4688% | 3,036 |
| Total domestic deposits to total assets | 71.7292% | 6,272 |
| Equity capital to assets | 14.4396% | 837 |
| Core capital (leverage) ratio | 14.5431% | 689 |
| Tier 1 risk-based capital ratio | 31.3947% | 465 |
| Total risk-based capital ratio | 32.6482% | 461 |
| Memoranda: | ||
| Average total assets | $68,906,670 | 5,422 |
| Average earning assets | $63,859,000 | 5,389 |
| Average equity | $9,890,330 | 4,827 |
| Average total loans | $34,062,330 | 5,489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 660 |
| Cost of funding earning assets | 0.4013% | 3,954 |
| Net interest margin | 4.6464% | 513 |
| Noninterest income to average assets | 0.5339% | 3,158 |
| Noninterest expense to average assets | 3.9172% | 839 |
| Loan and lease loss provision to assets | 0.0696% | 2,744 |
| Net operating income to assets | 0.5165% | 4,602 |
| Return on assets (ROA) | 0.5165% | 4,681 |
| Pretax return on assets | 0.8473% | 3,913 |
| Return on Equity (ROE) | 3.6093% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.4599% | 5,035 |
| Net charge-offs to loans | 0.0234% | 3,103 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 544 |
| Efficiency ratio | 81.0324% | 2,044 |
| Assets per employee ($millions) | 2.3887% | 6,428 |
| Cash dividends to net income (ytd only)* | 59.5506% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,065 |
| Loan loss allowance to noncurrent loans | 107.6739% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 1,880 |
| Noncurrent loans to loans | 1.2180% | 3,010 |
| Net loans and leases to total assets | 48.7765% | 5,027 |
| Net loans and leases to deposits | 69.0396% | 3,733 |
| Net loans and leases to core deposits | 83.4684% | 2,577 |
| Total domestic deposits to total assets | 70.6501% | 6,418 |
| Equity capital to assets | 14.2672% | 844 |
| Core capital (leverage) ratio | 14.3033% | 730 |
| Tier 1 risk-based capital ratio | 20.7876% | 1,513 |
| Total risk-based capital ratio | 21.7389% | 1,560 |
| Memoranda: | ||
| Average total assets | $68,927,000 | 5,475 |
| Average earning assets | $63,791,500 | 5,449 |
| Average equity | $9,863,500 | 4,854 |
| Average total loans | $34,190,000 | 5,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 384 |
| Cost of funding earning assets | 0.5210% | 3,387 |
| Net interest margin | 4.9499% | 328 |
| Noninterest income to average assets | 0.5218% | 3,614 |
| Noninterest expense to average assets | 3.9753% | 896 |
| Loan and lease loss provision to assets | 0.0643% | 3,848 |
| Net operating income to assets | 0.5758% | 4,377 |
| Return on assets (ROA) | 0.5758% | 4,490 |
| Pretax return on assets | 1.0084% | 3,319 |
| Return on Equity (ROE) | 4.0371% | 5,093 |
| Retained earnings to average equity (ytd only) | 1.9161% | 4,867 |
| Net charge-offs to loans | 0.2506% | 2,468 |
| Credit loss provision to net charge-offs | 50.5747% | 3,799 |
| Earnings coverage of net charge-offs (x) | 8.4368% | 2,671 |
| Efficiency ratio | 78.7493% | 2,352 |
| Assets per employee ($millions) | 2.3649% | 6,485 |
| Cash dividends to net income (ytd only)* | 52.5381% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,209 |
| Loan loss allowance to noncurrent loans | 101.1521% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 2.8141% | 1,153 |
| Noncurrent loans to loans | 1.2711% | 3,007 |
| Net loans and leases to total assets | 49.1434% | 5,179 |
| Net loans and leases to deposits | 69.0500% | 3,901 |
| Net loans and leases to core deposits | 81.9052% | 2,905 |
| Total domestic deposits to total assets | 71.1707% | 6,467 |
| Equity capital to assets | 14.3534% | 815 |
| Core capital (leverage) ratio | 14.1919% | 772 |
| Tier 1 risk-based capital ratio | 29.1045% | 547 |
| Total risk-based capital ratio | 30.3563% | 538 |
| Memoranda: | ||
| Average total assets | $68,423,200 | 5,530 |
| Average earning assets | $62,566,400 | 5,522 |
| Average equity | $9,759,600 | 4,905 |
| Average total loans | $34,722,000 | 5,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 388 |
| Cost of funding earning assets | 0.5464% | 3,300 |
| Net interest margin | 4.9259% | 357 |
| Noninterest income to average assets | 0.4972% | 3,824 |
| Noninterest expense to average assets | 4.0321% | 822 |
| Loan and lease loss provision to assets | 0.0624% | 3,795 |
| Net operating income to assets | 0.5264% | 4,681 |
| Return on assets (ROA) | 0.5264% | 4,840 |
| Pretax return on assets | 0.9027% | 3,869 |
| Return on Equity (ROE) | 3.6966% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.6977% | 5,291 |
| Net charge-offs to loans | 0.3327% | 1,879 |
| Credit loss provision to net charge-offs | 36.7816% | 3,768 |
| Earnings coverage of net charge-offs (x) | 5.6895% | 3,128 |
| Efficiency ratio | 80.6867% | 2,011 |
| Assets per employee ($millions) | 2.2509% | 6,615 |
| Cash dividends to net income (ytd only)* | 54.0737% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,627 |
| Loan loss allowance to noncurrent loans | 325.9542% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 2.4331% | 1,592 |
| Noncurrent loans to loans | 0.3844% | 5,243 |
| Net loans and leases to total assets | 49.8349% | 5,161 |
| Net loans and leases to deposits | 70.8031% | 3,667 |
| Net loans and leases to core deposits | 84.4001% | 2,608 |
| Total domestic deposits to total assets | 70.3852% | 6,580 |
| Equity capital to assets | 14.4979% | 829 |
| Core capital (leverage) ratio | 14.2736% | 794 |
| Tier 1 risk-based capital ratio | 28.8302% | 577 |
| Total risk-based capital ratio | 30.0792% | 564 |
| Memoranda: | ||
| Average total assets | $68,383,250 | 5,581 |
| Average earning assets | $62,470,750 | 5,580 |
| Average equity | $9,738,500 | 4,969 |
| Average total loans | $34,866,750 | 5,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 382 |
| Cost of funding earning assets | 0.5733% | 3,183 |
| Net interest margin | 4.9162% | 354 |
| Noninterest income to average assets | 0.5039% | 3,805 |
| Noninterest expense to average assets | 3.9989% | 866 |
| Loan and lease loss provision to assets | 0.0583% | 3,841 |
| Net operating income to assets | 0.5476% | 4,564 |
| Return on assets (ROA) | 0.5476% | 4,731 |
| Pretax return on assets | 0.9174% | 3,844 |
| Return on Equity (ROE) | 3.8678% | 5,269 |
| Retained earnings to average equity (ytd only) | 1.7899% | 5,117 |
| Net charge-offs to loans | 0.0171% | 4,500 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 428 |
| Efficiency ratio | 80.3864% | 2,101 |
| Assets per employee ($millions) | 2.2865% | 6,643 |
| Cash dividends to net income (ytd only)* | 53.7234% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 3,765 |
| Loan loss allowance to noncurrent loans | 386.8217% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 2.4447% | 1,742 |
| Noncurrent loans to loans | 0.3777% | 5,334 |
| Net loans and leases to total assets | 49.0685% | 5,218 |
| Net loans and leases to deposits | 69.5333% | 3,783 |
| Net loans and leases to core deposits | 82.5907% | 2,741 |
| Total domestic deposits to total assets | 70.5683% | 6,635 |
| Equity capital to assets | 14.2209% | 899 |
| Core capital (leverage) ratio | 14.1233% | 790 |
| Tier 1 risk-based capital ratio | 28.3934% | 607 |
| Total risk-based capital ratio | 29.6452% | 597 |
| Memoranda: | ||
| Average total assets | $68,668,670 | 5,615 |
| Average earning assets | $62,446,670 | 5,609 |
| Average equity | $9,721,330 | 5,004 |
| Average total loans | $35,129,330 | 5,612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 372 |
| Cost of funding earning assets | 0.5744% | 3,335 |
| Net interest margin | 4.9208% | 324 |
| Noninterest income to average assets | 0.4949% | 3,804 |
| Noninterest expense to average assets | 4.0754% | 815 |
| Loan and lease loss provision to assets | 0.0466% | 3,833 |
| Net operating income to assets | 0.5298% | 4,536 |
| Return on assets (ROA) | 0.5298% | 4,682 |
| Pretax return on assets | 0.8617% | 3,906 |
| Return on Equity (ROE) | 3.7508% | 5,218 |
| Retained earnings to average equity (ytd only) | 1.1953% | 5,375 |
| Net charge-offs to loans | 0.0449% | 3,397 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 806 |
| Efficiency ratio | 81.7757% | 2,074 |
| Assets per employee ($millions) | 2.3410% | 6,702 |
| Cash dividends to net income (ytd only)* | 68.1319% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,399 |
| Loan loss allowance to noncurrent loans | 198.3673% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 2.4278% | 1,906 |
| Noncurrent loans to loans | 0.6880% | 4,751 |
| Net loans and leases to total assets | 50.0135% | 4,988 |
| Net loans and leases to deposits | 70.3324% | 3,422 |
| Net loans and leases to core deposits | 82.0846% | 2,557 |
| Total domestic deposits to total assets | 71.1102% | 6,701 |
| Equity capital to assets | 13.8362% | 1,078 |
| Core capital (leverage) ratio | 14.0424% | 790 |
| Tier 1 risk-based capital ratio | 27.3887% | 676 |
| Total risk-based capital ratio | 28.6730% | 666 |
| Memoranda: | ||
| Average total assets | $68,705,000 | 5,669 |
| Average earning assets | $62,672,500 | 5,655 |
| Average equity | $9,704,500 | 5,067 |
| Average total loans | $35,615,000 | 5,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7401% | 405 |
| Cost of funding earning assets | 0.7209% | 3,317 |
| Net interest margin | 5.0192% | 382 |
| Noninterest income to average assets | 0.3206% | 5,167 |
| Noninterest expense to average assets | 4.1209% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4903% | 4,720 |
| Return on assets (ROA) | 0.4903% | 4,974 |
| Pretax return on assets | 0.7347% | 4,542 |
| Return on Equity (ROE) | 3.5501% | 5,330 |
| Retained earnings to average equity (ytd only) | 1.8427% | 4,925 |
| Net charge-offs to loans | -0.1255% | 6,874 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8682% | 1,528 |
| Assets per employee ($millions) | 2.2394% | 6,802 |
| Cash dividends to net income (ytd only)* | 48.0938% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,386 |
| Loan loss allowance to noncurrent loans | 204.2373% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 2.5290% | 1,925 |
| Noncurrent loans to loans | 0.6625% | 4,871 |
| Net loans and leases to total assets | 52.3035% | 4,882 |
| Net loans and leases to deposits | 71.7497% | 3,452 |
| Net loans and leases to core deposits | 82.5359% | 2,712 |
| Total domestic deposits to total assets | 72.8971% | 6,631 |
| Equity capital to assets | 14.4267% | 903 |
| Core capital (leverage) ratio | 14.3310% | 713 |
| Tier 1 risk-based capital ratio | 27.5565% | 655 |
| Total risk-based capital ratio | 28.8498% | 638 |
| Memoranda: | ||
| Average total assets | $69,548,600 | 5,641 |
| Average earning assets | $62,838,600 | 5,642 |
| Average equity | $9,605,400 | 5,073 |
| Average total loans | $36,645,200 | 5,652 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 450 |
| Cost of funding earning assets | 0.7552% | 3,305 |
| Net interest margin | 4.9597% | 430 |
| Noninterest income to average assets | 0.3688% | 4,884 |
| Noninterest expense to average assets | 4.2599% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5018% | 4,839 |
| Return on assets (ROA) | 0.5018% | 5,101 |
| Pretax return on assets | 0.5779% | 5,238 |
| Return on Equity (ROE) | 3.6728% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.7251% | 5,468 |
| Net charge-offs to loans | -0.1843% | 6,972 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0550% | 1,188 |
| Assets per employee ($millions) | 2.3319% | 6,835 |
| Cash dividends to net income (ytd only)* | 53.0299% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,803 |
| Loan loss allowance to noncurrent loans | 216.4444% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 2.5198% | 2,098 |
| Noncurrent loans to loans | 0.6016% | 5,236 |
| Net loans and leases to total assets | 54.5848% | 4,655 |
| Net loans and leases to deposits | 75.9121% | 2,992 |
| Net loans and leases to core deposits | 87.4177% | 2,289 |
| Total domestic deposits to total assets | 71.9054% | 6,748 |
| Equity capital to assets | 14.2640% | 1,056 |
| Core capital (leverage) ratio | 14.0596% | 818 |
| Tier 1 risk-based capital ratio | 27.5019% | 700 |
| Total risk-based capital ratio | 28.8140% | 682 |
| Memoranda: | ||
| Average total assets | $70,140,500 | 5,695 |
| Average earning assets | $63,200,750 | 5,689 |
| Average equity | $9,583,750 | 5,131 |
| Average total loans | $36,901,500 | 5,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 520 |
| Cost of funding earning assets | 0.7880% | 3,297 |
| Net interest margin | 4.8727% | 495 |
| Noninterest income to average assets | 0.5579% | 3,537 |
| Noninterest expense to average assets | 4.3252% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6368% | 4,190 |
| Return on assets (ROA) | 0.6368% | 4,436 |
| Pretax return on assets | 0.5889% | 5,178 |
| Return on Equity (ROE) | 4.7266% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.1162% | 4,556 |
| Net charge-offs to loans | -0.3158% | 7,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0161% | 1,235 |
| Assets per employee ($millions) | 2.0038% | 7,054 |
| Cash dividends to net income (ytd only)* | 34.0708% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,654 |
| Loan loss allowance to noncurrent loans | 224.5455% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 3.0398% | 1,810 |
| Noncurrent loans to loans | 0.6029% | 5,309 |
| Net loans and leases to total assets | 52.8328% | 4,982 |
| Net loans and leases to deposits | 73.0596% | 3,448 |
| Net loans and leases to core deposits | 82.9990% | 2,827 |
| Total domestic deposits to total assets | 72.3147% | 6,784 |
| Equity capital to assets | 14.1876% | 1,017 |
| Core capital (leverage) ratio | 13.5660% | 957 |
| Tier 1 risk-based capital ratio | 28.4392% | 616 |
| Total risk-based capital ratio | 29.7423% | 598 |
| Memoranda: | ||
| Average total assets | $70,979,000 | 5,702 |
| Average earning assets | $63,455,330 | 5,724 |
| Average equity | $9,563,000 | 5,142 |
| Average total loans | $36,735,330 | 5,749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 645 |
| Cost of funding earning assets | 0.8057% | 3,430 |
| Net interest margin | 4.7782% | 593 |
| Noninterest income to average assets | 0.1768% | 6,322 |
| Noninterest expense to average assets | 4.0716% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2155% | 5,939 |
| Return on assets (ROA) | 0.2155% | 6,084 |
| Pretax return on assets | 0.3315% | 5,905 |
| Return on Equity (ROE) | 1.6401% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.0841% | 5,949 |
| Net charge-offs to loans | 0.0109% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 551 |
| Efficiency ratio | 92.4718% | 911 |
| Assets per employee ($millions) | 2.0993% | 7,088 |
| Cash dividends to net income (ytd only)* | 94.8718% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,606 |
| Loan loss allowance to noncurrent loans | 198.6301% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 2.9730% | 1,946 |
| Noncurrent loans to loans | 0.5918% | 5,477 |
| Net loans and leases to total assets | 51.2336% | 5,114 |
| Net loans and leases to deposits | 73.2107% | 3,246 |
| Net loans and leases to core deposits | 83.0166% | 2,687 |
| Total domestic deposits to total assets | 69.9811% | 6,979 |
| Equity capital to assets | 13.3268% | 1,303 |
| Core capital (leverage) ratio | 13.1444% | 1,071 |
| Tier 1 risk-based capital ratio | 24.3315% | 973 |
| Total risk-based capital ratio | 25.5071% | 967 |
| Memoranda: | ||
| Average total assets | $72,403,500 | 5,700 |
| Average earning assets | $64,040,500 | 5,754 |
| Average equity | $9,511,500 | 5,167 |
| Average total loans | $36,858,500 | 5,783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 533 |
| Cost of funding earning assets | 0.9343% | 3,841 |
| Net interest margin | 4.9592% | 446 |
| Noninterest income to average assets | 0.6340% | 2,984 |
| Noninterest expense to average assets | 4.1343% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5912% | 4,047 |
| Return on assets (ROA) | 0.5912% | 4,222 |
| Pretax return on assets | 0.9061% | 3,588 |
| Return on Equity (ROE) | 4.5628% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.4200% | 4,495 |
| Net charge-offs to loans | 0.3622% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 2,967 |
| Efficiency ratio | 82.0225% | 2,021 |
| Assets per employee ($millions) | 2.3688% | 6,945 |
| Cash dividends to net income (ytd only)* | 46.9626% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,451 |
| Loan loss allowance to noncurrent loans | 1,503.4483% | 297 |
| Noncurrent assets plus other real estate owned to assets | 3.1689% | 1,887 |
| Noncurrent loans to loans | 0.0790% | 6,615 |
| Net loans and leases to total assets | 49.4035% | 5,671 |
| Net loans and leases to deposits | 69.7265% | 4,154 |
| Net loans and leases to core deposits | 78.6447% | 3,610 |
| Total domestic deposits to total assets | 70.8533% | 6,941 |
| Equity capital to assets | 12.9521% | 1,513 |
| Core capital (leverage) ratio | 13.0674% | 1,115 |
| Tier 1 risk-based capital ratio | 29.6744% | 531 |
| Total risk-based capital ratio | 30.9649% | 520 |
| Memoranda: | ||
| Average total assets | $72,394,400 | 5,682 |
| Average earning assets | $64,325,400 | 5,723 |
| Average equity | $9,380,200 | 5,189 |
| Average total loans | $37,543,200 | 5,812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 677 |
| Cost of funding earning assets | 0.9592% | 3,968 |
| Net interest margin | 4.8600% | 557 |
| Noninterest income to average assets | 0.6414% | 2,934 |
| Noninterest expense to average assets | 4.1588% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5582% | 4,278 |
| Return on assets (ROA) | 0.5582% | 4,453 |
| Pretax return on assets | 0.8281% | 4,027 |
| Return on Equity (ROE) | 4.3077% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.3250% | 4,956 |
| Net charge-offs to loans | -0.0071% | 6,742 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3951% | 1,805 |
| Assets per employee ($millions) | 2.4138% | 6,974 |
| Cash dividends to net income (ytd only)* | 46.0264% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,760 |
| Loan loss allowance to noncurrent loans | 153.0667% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 4.2727% | 1,427 |
| Noncurrent loans to loans | 1.0313% | 4,836 |
| Net loans and leases to total assets | 49.4228% | 5,783 |
| Net loans and leases to deposits | 70.1608% | 4,277 |
| Net loans and leases to core deposits | 78.4674% | 3,833 |
| Total domestic deposits to total assets | 70.4422% | 7,018 |
| Equity capital to assets | 13.0513% | 1,593 |
| Core capital (leverage) ratio | 12.9526% | 1,244 |
| Tier 1 risk-based capital ratio | 29.5672% | 567 |
| Total risk-based capital ratio | 30.8678% | 551 |
| Memoranda: | ||
| Average total assets | $72,135,000 | 5,733 |
| Average earning assets | $64,498,250 | 5,758 |
| Average equity | $9,347,500 | 5,223 |
| Average total loans | $37,750,500 | 5,851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 634 |
| Cost of funding earning assets | 0.9811% | 4,078 |
| Net interest margin | 4.8805% | 510 |
| Noninterest income to average assets | 0.6191% | 3,009 |
| Noninterest expense to average assets | 4.2087% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5136% | 4,442 |
| Return on assets (ROA) | 0.5136% | 4,583 |
| Pretax return on assets | 0.7745% | 4,123 |
| Return on Equity (ROE) | 3.9729% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.9328% | 5,013 |
| Net charge-offs to loans | -0.0105% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4568% | 1,763 |
| Assets per employee ($millions) | 2.4819% | 6,934 |
| Cash dividends to net income (ytd only)* | 51.3514% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,881 |
| Loan loss allowance to noncurrent loans | 67.3709% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 4.7906% | 1,297 |
| Noncurrent loans to loans | 2.3079% | 3,090 |
| Net loans and leases to total assets | 50.4939% | 5,753 |
| Net loans and leases to deposits | 72.4859% | 4,042 |
| Net loans and leases to core deposits | 82.1534% | 3,479 |
| Total domestic deposits to total assets | 69.6603% | 7,134 |
| Equity capital to assets | 13.0087% | 1,511 |
| Core capital (leverage) ratio | 13.0247% | 1,152 |
| Tier 1 risk-based capital ratio | 27.3266% | 707 |
| Total risk-based capital ratio | 28.5906% | 696 |
| Memoranda: | ||
| Average total assets | $72,042,000 | 5,779 |
| Average earning assets | $64,419,670 | 5,808 |
| Average equity | $9,313,000 | 5,232 |
| Average total loans | $38,213,000 | 5,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9162% | 577 |
| Cost of funding earning assets | 1.0140% | 4,093 |
| Net interest margin | 4.9022% | 462 |
| Noninterest income to average assets | 0.6105% | 3,091 |
| Noninterest expense to average assets | 4.3954% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5161% | 4,426 |
| Return on assets (ROA) | 0.5161% | 4,508 |
| Pretax return on assets | 0.5883% | 4,730 |
| Return on Equity (ROE) | 4.0052% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.0672% | 4,903 |
| Net charge-offs to loans | -0.0103% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1960% | 1,491 |
| Assets per employee ($millions) | 2.1273% | 7,292 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 4,336 |
| Loan loss allowance to noncurrent loans | 171.5569% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 4.0855% | 1,636 |
| Noncurrent loans to loans | 0.8583% | 5,325 |
| Net loans and leases to total assets | 53.0092% | 5,450 |
| Net loans and leases to deposits | 76.4496% | 3,348 |
| Net loans and leases to core deposits | 86.6424% | 2,780 |
| Total domestic deposits to total assets | 69.3387% | 7,213 |
| Equity capital to assets | 12.8731% | 1,441 |
| Core capital (leverage) ratio | 13.0070% | 1,118 |
| Tier 1 risk-based capital ratio | 25.9887% | 788 |
| Total risk-based capital ratio | 27.2446% | 770 |
| Memoranda: | ||
| Average total assets | $72,075,500 | 5,815 |
| Average earning assets | $64,298,000 | 5,850 |
| Average equity | $9,288,000 | 5,236 |
| Average total loans | $38,861,000 | 5,896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1772% | 599 |
| Cost of funding earning assets | 1.0759% | 5,278 |
| Net interest margin | 5.1013% | 353 |
| Noninterest income to average assets | 1.0647% | 1,321 |
| Noninterest expense to average assets | 4.6991% | 546 |
| Loan and lease loss provision to assets | 0.0813% | 6,336 |
| Net operating income to assets | 0.4904% | 4,147 |
| Return on assets (ROA) | 0.4904% | 4,303 |
| Pretax return on assets | 0.7803% | 3,696 |
| Return on Equity (ROE) | 3.9389% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.0239% | 4,454 |
| Net charge-offs to loans | -0.2672% | 7,558 |
| Credit loss provision to net charge-offs | -58.2524% | 7,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5067% | 1,859 |
| Assets per employee ($millions) | 2.2444% | 7,264 |
| Cash dividends to net income (ytd only)* | 48.6188% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 4,164 |
| Loan loss allowance to noncurrent loans | 400.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 4.6365% | 1,435 |
| Noncurrent loans to loans | 0.3685% | 6,319 |
| Net loans and leases to total assets | 53.2372% | 5,749 |
| Net loans and leases to deposits | 75.1508% | 3,993 |
| Net loans and leases to core deposits | 85.0086% | 3,461 |
| Total domestic deposits to total assets | 70.8404% | 7,185 |
| Equity capital to assets | 12.8999% | 1,441 |
| Core capital (leverage) ratio | 12.8948% | 1,164 |
| Tier 1 risk-based capital ratio | 25.7452% | 777 |
| Total risk-based capital ratio | 27.0010% | 753 |
| Memoranda: | ||
| Average total assets | $73,822,400 | 5,766 |
| Average earning assets | $65,061,600 | 5,828 |
| Average equity | $9,190,400 | 5,362 |
| Average total loans | $38,547,400 | 5,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1279% | 723 |
| Cost of funding earning assets | 1.0837% | 5,529 |
| Net interest margin | 5.0442% | 393 |
| Noninterest income to average assets | 0.6799% | 2,947 |
| Noninterest expense to average assets | 4.1278% | 904 |
| Loan and lease loss provision to assets | 0.1076% | 5,958 |
| Net operating income to assets | 0.5346% | 4,166 |
| Return on assets (ROA) | 0.5346% | 4,336 |
| Pretax return on assets | 0.8952% | 3,575 |
| Return on Equity (ROE) | 4.3320% | 4,626 |
| Retained earnings to average equity (ytd only) | 2.4132% | 4,731 |
| Net charge-offs to loans | -0.4608% | 7,679 |
| Credit loss provision to net charge-offs | -45.1128% | 6,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4545% | 2,282 |
| Assets per employee ($millions) | 1.9981% | 7,519 |
| Cash dividends to net income (ytd only)* | 44.2968% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,824 |
| Loan loss allowance to noncurrent loans | 304.0404% | 964 |
| Noncurrent assets plus other real estate owned to assets | 4.8392% | 1,353 |
| Noncurrent loans to loans | 0.5036% | 6,193 |
| Net loans and leases to total assets | 53.8223% | 5,875 |
| Net loans and leases to deposits | 77.9041% | 3,844 |
| Net loans and leases to core deposits | 88.3987% | 3,321 |
| Total domestic deposits to total assets | 69.0879% | 7,321 |
| Equity capital to assets | 12.8717% | 1,645 |
| Core capital (leverage) ratio | 12.8245% | 1,290 |
| Tier 1 risk-based capital ratio | 24.7366% | 874 |
| Total risk-based capital ratio | 26.0147% | 858 |
| Memoranda: | ||
| Average total assets | $74,322,500 | 5,827 |
| Average earning assets | $65,578,750 | 5,874 |
| Average equity | $9,171,750 | 5,438 |
| Average total loans | $38,482,250 | 6,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0621% | 823 |
| Cost of funding earning assets | 1.1036% | 5,650 |
| Net interest margin | 4.9585% | 461 |
| Noninterest income to average assets | 0.7055% | 2,672 |
| Noninterest expense to average assets | 4.1055% | 915 |
| Loan and lease loss provision to assets | 0.1597% | 5,293 |
| Net operating income to assets | 0.4872% | 4,388 |
| Return on assets (ROA) | 0.4872% | 4,542 |
| Pretax return on assets | 0.8307% | 3,776 |
| Return on Equity (ROE) | 4.0032% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.4938% | 4,569 |
| Net charge-offs to loans | -0.5968% | 7,744 |
| Credit loss provision to net charge-offs | -52.6316% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5643% | 2,363 |
| Assets per employee ($millions) | 2.0635% | 7,547 |
| Cash dividends to net income (ytd only)* | 37.7049% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,750 |
| Loan loss allowance to noncurrent loans | 233.2000% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 4.8918% | 1,325 |
| Noncurrent loans to loans | 0.6576% | 5,935 |
| Net loans and leases to total assets | 51.8297% | 6,230 |
| Net loans and leases to deposits | 74.9740% | 4,515 |
| Net loans and leases to core deposits | 81.3266% | 4,513 |
| Total domestic deposits to total assets | 69.1303% | 7,379 |
| Equity capital to assets | 12.7397% | 1,673 |
| Core capital (leverage) ratio | 12.4128% | 1,441 |
| Tier 1 risk-based capital ratio | 25.3207% | 823 |
| Total risk-based capital ratio | 26.5896% | 802 |
| Memoranda: | ||
| Average total assets | $75,119,000 | 5,833 |
| Average earning assets | $66,511,670 | 5,886 |
| Average equity | $9,142,670 | 5,461 |
| Average total loans | $38,203,670 | 6,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 1,325 |
| Cost of funding earning assets | 1.1393% | 5,710 |
| Net interest margin | 4.7098% | 767 |
| Noninterest income to average assets | 0.6321% | 3,066 |
| Noninterest expense to average assets | 3.9965% | 1,036 |
| Loan and lease loss provision to assets | 0.1567% | 4,966 |
| Net operating income to assets | 0.4127% | 4,783 |
| Return on assets (ROA) | 0.4127% | 4,926 |
| Pretax return on assets | 0.6687% | 4,342 |
| Return on Equity (ROE) | 3.4674% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.4674% | 4,067 |
| Net charge-offs to loans | -1.1593% | 7,855 |
| Credit loss provision to net charge-offs | -27.0270% | 5,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8819% | 2,151 |
| Assets per employee ($millions) | 2.1986% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 4,102 |
| Loan loss allowance to noncurrent loans | 284.9741% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 4.0199% | 1,709 |
| Noncurrent loans to loans | 0.5141% | 6,261 |
| Net loans and leases to total assets | 49.4877% | 6,530 |
| Net loans and leases to deposits | 75.6493% | 4,468 |
| Net loans and leases to core deposits | 88.2133% | 3,599 |
| Total domestic deposits to total assets | 65.4172% | 7,637 |
| Equity capital to assets | 12.2482% | 1,903 |
| Core capital (leverage) ratio | 11.8886% | 1,695 |
| Tier 1 risk-based capital ratio | 25.3740% | 824 |
| Total risk-based capital ratio | 26.6290% | 805 |
| Memoranda: | ||
| Average total assets | $76,567,000 | 5,863 |
| Average earning assets | $68,113,500 | 5,902 |
| Average equity | $9,113,500 | 5,512 |
| Average total loans | $38,297,500 | 6,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4689% | 717 |
| Cost of funding earning assets | 1.6589% | 4,741 |
| Net interest margin | 4.8100% | 678 |
| Noninterest income to average assets | 0.6357% | 3,380 |
| Noninterest expense to average assets | 3.9846% | 1,383 |
| Loan and lease loss provision to assets | 0.0333% | 7,198 |
| Net operating income to assets | 0.5774% | 3,421 |
| Return on assets (ROA) | 0.5774% | 3,494 |
| Pretax return on assets | 0.8994% | 2,925 |
| Return on Equity (ROE) | 4.6415% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.3208% | 3,496 |
| Net charge-offs to loans | 0.6821% | 3,148 |
| Credit loss provision to net charge-offs | 8.6957% | 6,977 |
| Earnings coverage of net charge-offs (x) | 2.4348% | 3,906 |
| Efficiency ratio | 81.0330% | 2,744 |
| Assets per employee ($millions) | 2.3752% | 7,386 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,154 |
| Loan loss allowance to noncurrent loans | 63.9498% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 3.7369% | 1,785 |
| Noncurrent loans to loans | 1.6338% | 4,193 |
| Net loans and leases to total assets | 49.3021% | 6,702 |
| Net loans and leases to deposits | 73.5525% | 5,111 |
| Net loans and leases to core deposits | 100.7877% | 3,923 |
| Total domestic deposits to total assets | 67.0299% | 7,597 |
| Equity capital to assets | 11.5731% | 2,266 |
| Core capital (leverage) ratio | 11.7225% | 1,801 |
| Tier 1 risk-based capital ratio | 23.0562% | 1,037 |
| Total risk-based capital ratio | 24.1542% | 1,029 |
| Memoranda: | ||
| Average total assets | $72,051,800 | 5,942 |
| Average earning assets | $64,137,600 | 5,996 |
| Average equity | $8,962,600 | 5,616 |
| Average total loans | $40,464,200 | 6,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6250% | 591 |
| Cost of funding earning assets | 1.7935% | 4,414 |
| Net interest margin | 4.8315% | 651 |
| Noninterest income to average assets | 0.6452% | 3,379 |
| Noninterest expense to average assets | 3.9543% | 1,342 |
| Loan and lease loss provision to assets | 0.0341% | 7,017 |
| Net operating income to assets | 0.5846% | 3,654 |
| Return on assets (ROA) | 0.5846% | 3,725 |
| Pretax return on assets | 0.9536% | 3,048 |
| Return on Equity (ROE) | 4.6107% | 4,111 |
| Retained earnings to average equity (ytd only) | 2.2680% | 4,064 |
| Net charge-offs to loans | 0.1862% | 4,900 |
| Credit loss provision to net charge-offs | 31.5789% | 6,494 |
| Earnings coverage of net charge-offs (x) | 9.1576% | 2,141 |
| Efficiency ratio | 80.0153% | 2,840 |
| Assets per employee ($millions) | 2.1402% | 7,671 |
| Cash dividends to net income (ytd only)* | 50.8095% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,294 |
| Loan loss allowance to noncurrent loans | 70.4881% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 4.7328% | 1,259 |
| Noncurrent loans to loans | 2.1671% | 3,422 |
| Net loans and leases to total assets | 55.0132% | 6,264 |
| Net loans and leases to deposits | 75.5520% | 5,120 |
| Net loans and leases to core deposits | 103.5462% | 3,986 |
| Total domestic deposits to total assets | 72.8150% | 7,107 |
| Equity capital to assets | 12.4011% | 2,004 |
| Core capital (leverage) ratio | 12.4110% | 1,615 |
| Tier 1 risk-based capital ratio | 22.7002% | 1,148 |
| Total risk-based capital ratio | 23.9547% | 1,122 |
| Memoranda: | ||
| Average total assets | $70,469,750 | 6,026 |
| Average earning assets | $62,670,000 | 6,081 |
| Average equity | $8,935,500 | 5,674 |
| Average total loans | $40,817,500 | 6,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7914% | 457 |
| Cost of funding earning assets | 1.8809% | 4,368 |
| Net interest margin | 4.9105% | 526 |
| Noninterest income to average assets | 0.6571% | 3,290 |
| Noninterest expense to average assets | 3.9166% | 1,454 |
| Loan and lease loss provision to assets | 0.0344% | 6,898 |
| Net operating income to assets | 0.6571% | 3,438 |
| Return on assets (ROA) | 0.6571% | 3,549 |
| Pretax return on assets | 1.0731% | 2,723 |
| Return on Equity (ROE) | 5.1426% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.5601% | 3,903 |
| Net charge-offs to loans | -0.0294% | 7,772 |
| Credit loss provision to net charge-offs | -200.0000% | 6,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9555% | 3,352 |
| Assets per employee ($millions) | 1.9506% | 7,880 |
| Cash dividends to net income (ytd only)* | 50.2183% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,528 |
| Loan loss allowance to noncurrent loans | 124.4037% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 4.7008% | 1,179 |
| Noncurrent loans to loans | 1.3255% | 4,563 |
| Net loans and leases to total assets | 57.5888% | 6,024 |
| Net loans and leases to deposits | 85.0921% | 3,714 |
| Net loans and leases to core deposits | 111.7189% | 3,169 |
| Total domestic deposits to total assets | 67.6782% | 7,640 |
| Equity capital to assets | 12.7837% | 1,796 |
| Core capital (leverage) ratio | 12.7551% | 1,521 |
| Tier 1 risk-based capital ratio | 22.7223% | 1,169 |
| Total risk-based capital ratio | 23.9779% | 1,135 |
| Memoranda: | ||
| Average total assets | $69,703,670 | 6,090 |
| Average earning assets | $61,990,000 | 6,146 |
| Average equity | $8,906,000 | 5,715 |
| Average total loans | $40,872,330 | 6,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7544% | 523 |
| Cost of funding earning assets | 2.0011% | 4,121 |
| Net interest margin | 4.7533% | 676 |
| Noninterest income to average assets | 0.6566% | 3,163 |
| Noninterest expense to average assets | 3.8246% | 1,423 |
| Loan and lease loss provision to assets | 0.0346% | 6,510 |
| Net operating income to assets | 0.6278% | 3,897 |
| Return on assets (ROA) | 0.6278% | 4,077 |
| Pretax return on assets | 1.0253% | 3,262 |
| Return on Equity (ROE) | 4.9152% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.7958% | 4,326 |
| Net charge-offs to loans | -0.0491% | 7,691 |
| Credit loss provision to net charge-offs | -120.0000% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3019% | 3,116 |
| Assets per employee ($millions) | 2.1808% | 7,743 |
| Cash dividends to net income (ytd only)* | 43.1193% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 2,379 |
| Loan loss allowance to noncurrent loans | 404.2169% | 873 |
| Noncurrent assets plus other real estate owned to assets | 4.1786% | 1,205 |
| Noncurrent loans to loans | 0.4048% | 6,402 |
| Net loans and leases to total assets | 57.7955% | 5,973 |
| Net loans and leases to deposits | 85.5216% | 3,713 |
| Net loans and leases to core deposits | 108.0736% | 3,667 |
| Total domestic deposits to total assets | 67.5800% | 7,624 |
| Equity capital to assets | 12.7293% | 1,871 |
| Core capital (leverage) ratio | 12.7203% | 1,593 |
| Tier 1 risk-based capital ratio | 22.8322% | 1,212 |
| Total risk-based capital ratio | 24.0889% | 1,182 |
| Memoranda: | ||
| Average total assets | $69,444,500 | 6,128 |
| Average earning assets | $61,767,000 | 6,183 |
| Average equity | $8,870,500 | 5,747 |
| Average total loans | $40,749,500 | 6,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1551% | 807 |
| Cost of funding earning assets | 2.3269% | 5,027 |
| Net interest margin | 4.8282% | 737 |
| Noninterest income to average assets | 0.8820% | 2,048 |
| Noninterest expense to average assets | 4.1377% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7044% | 3,877 |
| Return on assets (ROA) | 0.7044% | 3,711 |
| Pretax return on assets | 1.0492% | 3,213 |
| Return on Equity (ROE) | 5.4724% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.9891% | 3,309 |
| Net charge-offs to loans | 0.4814% | 2,432 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.4926% | 4,342 |
| Efficiency ratio | 79.7718% | 2,629 |
| Assets per employee ($millions) | 2.1595% | 7,763 |
| Cash dividends to net income (ytd only)* | 45.3782% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 2,127 |
| Loan loss allowance to noncurrent loans | 904.1096% | 525 |
| Noncurrent assets plus other real estate owned to assets | 4.5583% | 817 |
| Noncurrent loans to loans | 0.1803% | 6,849 |
| Net loans and leases to total assets | 57.6456% | 6,255 |
| Net loans and leases to deposits | 90.2410% | 3,409 |
| Net loans and leases to core deposits | 114.2513% | 3,310 |
| Total domestic deposits to total assets | 63.8796% | 7,802 |
| Equity capital to assets | 12.8182% | 1,866 |
| Core capital (leverage) ratio | 12.6717% | 1,677 |
| Tier 1 risk-based capital ratio | 25.4768% | 949 |
| Total risk-based capital ratio | 26.7369% | 926 |
| Memoranda: | ||
| Average total assets | $67,573,800 | 6,100 |
| Average earning assets | $60,250,600 | 6,160 |
| Average equity | $8,698,200 | 5,841 |
| Average total loans | $42,173,000 | 6,066 |