Home > Wilburton State Bank > Performance and Condition Ratios
Wilburton State Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,536 |
| Cost of funding earning assets | 0.3009% | 4,088 |
| Net interest margin | 3.6127% | 3,020 |
| Noninterest income to average assets | 1.0640% | 1,002 |
| Noninterest expense to average assets | 2.7228% | 3,284 |
| Loan and lease loss provision to assets | 0.0926% | 2,378 |
| Net operating income to assets | 1.5600% | 781 |
| Return on assets (ROA) | 1.5600% | 825 |
| Pretax return on assets | 1.5600% | 1,499 |
| Return on Equity (ROE) | 16.6388% | 478 |
| Retained earnings to average equity (ytd only) | 2.7000% | 4,279 |
| Net charge-offs to loans | 0.2217% | 1,058 |
| Credit loss provision to net charge-offs | 95.7447% | 2,443 |
| Earnings coverage of net charge-offs (x) | 17.0838% | 2,075 |
| Efficiency ratio | 62.2295% | 4,185 |
| Assets per employee ($millions) | 3.9813% | 3,998 |
| Cash dividends to net income (ytd only)* | 83.7736% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 437 |
| Loan loss allowance to noncurrent loans | 264.1975% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,894 |
| Noncurrent loans to loans | 0.8702% | 2,513 |
| Net loans and leases to total assets | 42.8314% | 5,260 |
| Net loans and leases to deposits | 47.4752% | 5,393 |
| Net loans and leases to core deposits | 49.9908% | 5,385 |
| Total domestic deposits to total assets | 90.2184% | 400 |
| Equity capital to assets | 9.5838% | 4,572 |
| Core capital (leverage) ratio | 8.5032% | 5,357 |
| Tier 1 risk-based capital ratio | 17.6188% | 2,037 |
| Total risk-based capital ratio | 18.8791% | 1,997 |
| Memoranda: | ||
| Average total assets | $64,784,750 | 5,077 |
| Average earning assets | $59,381,000 | 5,082 |
| Average equity | $6,074,000 | 5,324 |
| Average total loans | $28,263,500 | 5,302 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 3,484 |
| Cost of funding earning assets | 0.2978% | 4,160 |
| Net interest margin | 3.6370% | 2,946 |
| Noninterest income to average assets | 0.9210% | 1,313 |
| Noninterest expense to average assets | 2.7753% | 3,112 |
| Loan and lease loss provision to assets | 0.0921% | 2,309 |
| Net operating income to assets | 1.3907% | 1,074 |
| Return on assets (ROA) | 1.3907% | 1,138 |
| Pretax return on assets | 1.3907% | 2,064 |
| Return on Equity (ROE) | 14.9414% | 677 |
| Retained earnings to average equity (ytd only) | 3.0674% | 3,960 |
| Net charge-offs to loans | 0.3947% | 576 |
| Credit loss provision to net charge-offs | 53.5714% | 2,634 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,504 |
| Efficiency ratio | 65.1766% | 3,815 |
| Assets per employee ($millions) | 4.0555% | 3,807 |
| Cash dividends to net income (ytd only)* | 79.4702% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2651% | 500 |
| Loan loss allowance to noncurrent loans | 211.6438% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,714 |
| Noncurrent loans to loans | 1.0702% | 2,150 |
| Net loans and leases to total assets | 41.0954% | 5,374 |
| Net loans and leases to deposits | 45.4671% | 5,514 |
| Net loans and leases to core deposits | 47.8726% | 5,505 |
| Total domestic deposits to total assets | 90.3850% | 359 |
| Equity capital to assets | 9.4470% | 4,820 |
| Core capital (leverage) ratio | 8.1395% | 5,640 |
| Tier 1 risk-based capital ratio | 17.7105% | 2,010 |
| Total risk-based capital ratio | 18.9685% | 1,967 |
| Memoranda: | ||
| Average total assets | $65,146,000 | 5,120 |
| Average earning assets | $59,775,330 | 5,120 |
| Average equity | $6,063,670 | 5,378 |
| Average total loans | $28,376,000 | 5,354 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 3,310 |
| Cost of funding earning assets | 0.2930% | 4,247 |
| Net interest margin | 3.6823% | 2,748 |
| Noninterest income to average assets | 0.9437% | 1,196 |
| Noninterest expense to average assets | 2.9537% | 2,534 |
| Loan and lease loss provision to assets | 0.0919% | 2,148 |
| Net operating income to assets | 1.2869% | 1,283 |
| Return on assets (ROA) | 1.2869% | 1,369 |
| Pretax return on assets | 1.2869% | 2,361 |
| Return on Equity (ROE) | 13.9292% | 848 |
| Retained earnings to average equity (ytd only) | 13.9292% | 324 |
| Net charge-offs to loans | 0.8575% | 237 |
| Credit loss provision to net charge-offs | 24.1935% | 2,269 |
| Earnings coverage of net charge-offs (x) | 3.6290% | 2,520 |
| Efficiency ratio | 68.1754% | 3,441 |
| Assets per employee ($millions) | 3.8941% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 700 |
| Loan loss allowance to noncurrent loans | 250.4202% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 3,561 |
| Noncurrent loans to loans | 0.8342% | 2,756 |
| Net loans and leases to total assets | 42.1979% | 5,342 |
| Net loans and leases to deposits | 46.6127% | 5,480 |
| Net loans and leases to core deposits | 48.7718% | 5,485 |
| Total domestic deposits to total assets | 90.5287% | 422 |
| Equity capital to assets | 9.3248% | 4,865 |
| Core capital (leverage) ratio | 8.4215% | 5,464 |
| Tier 1 risk-based capital ratio | 17.1572% | 2,230 |
| Total risk-based capital ratio | 18.4123% | 2,195 |
| Memoranda: | ||
| Average total assets | $65,275,000 | 5,172 |
| Average earning assets | $60,070,500 | 5,156 |
| Average equity | $6,030,500 | 5,417 |
| Average total loans | $28,922,000 | 5,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,699 |
| Cost of funding earning assets | 0.3092% | 4,152 |
| Net interest margin | 3.5929% | 3,164 |
| Noninterest income to average assets | 0.9089% | 1,415 |
| Noninterest expense to average assets | 2.8704% | 2,962 |
| Loan and lease loss provision to assets | 0.0918% | 2,465 |
| Net operating income to assets | 1.2363% | 1,430 |
| Return on assets (ROA) | 1.2363% | 1,486 |
| Pretax return on assets | 1.2363% | 2,517 |
| Return on Equity (ROE) | 13.7612% | 894 |
| Retained earnings to average equity (ytd only) | 1.8394% | 4,675 |
| Net charge-offs to loans | -0.0827% | 5,724 |
| Credit loss provision to net charge-offs | -260.8696% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3673% | 3,496 |
| Assets per employee ($millions) | 3.5750% | 4,681 |
| Cash dividends to net income (ytd only)* | 86.6337% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 597 |
| Loan loss allowance to noncurrent loans | 201.8809% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,652 |
| Noncurrent loans to loans | 1.0883% | 2,164 |
| Net loans and leases to total assets | 44.5517% | 5,249 |
| Net loans and leases to deposits | 49.1084% | 5,434 |
| Net loans and leases to core deposits | 51.1618% | 5,447 |
| Total domestic deposits to total assets | 90.7211% | 368 |
| Equity capital to assets | 9.1500% | 4,969 |
| Core capital (leverage) ratio | 8.1621% | 5,722 |
| Tier 1 risk-based capital ratio | 16.5242% | 2,464 |
| Total risk-based capital ratio | 17.7844% | 2,419 |
| Memoranda: | ||
| Average total assets | $65,357,200 | 5,193 |
| Average earning assets | $59,839,600 | 5,193 |
| Average equity | $5,871,600 | 5,463 |
| Average total loans | $27,820,000 | 5,448 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,813 |
| Cost of funding earning assets | 0.3111% | 4,214 |
| Net interest margin | 3.5685% | 3,275 |
| Noninterest income to average assets | 0.9185% | 1,405 |
| Noninterest expense to average assets | 2.8187% | 3,109 |
| Loan and lease loss provision to assets | 0.0915% | 2,342 |
| Net operating income to assets | 1.2722% | 1,417 |
| Return on assets (ROA) | 1.2722% | 1,474 |
| Pretax return on assets | 1.2722% | 2,505 |
| Return on Equity (ROE) | 14.2250% | 857 |
| Retained earnings to average equity (ytd only) | 2.6359% | 4,533 |
| Net charge-offs to loans | -0.2138% | 6,007 |
| Credit loss provision to net charge-offs | -102.2727% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3955% | 3,649 |
| Assets per employee ($millions) | 3.5647% | 4,680 |
| Cash dividends to net income (ytd only)* | 81.4689% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 650 |
| Loan loss allowance to noncurrent loans | 375.7225% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 4,686 |
| Noncurrent loans to loans | 0.5884% | 3,565 |
| Net loans and leases to total assets | 44.8079% | 5,303 |
| Net loans and leases to deposits | 49.5126% | 5,493 |
| Net loans and leases to core deposits | 51.5907% | 5,519 |
| Total domestic deposits to total assets | 90.4979% | 385 |
| Equity capital to assets | 9.2309% | 5,079 |
| Core capital (leverage) ratio | 8.1320% | 5,823 |
| Tier 1 risk-based capital ratio | 16.7484% | 2,459 |
| Total risk-based capital ratio | 18.0066% | 2,414 |
| Memoranda: | ||
| Average total assets | $65,609,000 | 5,250 |
| Average earning assets | $60,004,500 | 5,249 |
| Average equity | $5,867,500 | 5,533 |
| Average total loans | $27,446,750 | 5,526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,051 |
| Cost of funding earning assets | 0.3132% | 4,242 |
| Net interest margin | 3.4909% | 3,536 |
| Noninterest income to average assets | 0.9230% | 1,375 |
| Noninterest expense to average assets | 2.7962% | 3,246 |
| Loan and lease loss provision to assets | 0.0908% | 2,304 |
| Net operating income to assets | 1.2407% | 1,490 |
| Return on assets (ROA) | 1.2407% | 1,555 |
| Pretax return on assets | 1.2407% | 2,598 |
| Return on Equity (ROE) | 14.0195% | 901 |
| Retained earnings to average equity (ytd only) | 2.3936% | 4,536 |
| Net charge-offs to loans | -0.5822% | 6,218 |
| Credit loss provision to net charge-offs | -38.4615% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7419% | 3,708 |
| Assets per employee ($millions) | 3.6261% | 4,583 |
| Cash dividends to net income (ytd only)* | 82.9268% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 479 |
| Loan loss allowance to noncurrent loans | 269.7581% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 4,374 |
| Noncurrent loans to loans | 0.9279% | 2,811 |
| Net loans and leases to total assets | 39.9219% | 5,640 |
| Net loans and leases to deposits | 43.9551% | 5,769 |
| Net loans and leases to core deposits | 45.7654% | 5,778 |
| Total domestic deposits to total assets | 90.8243% | 348 |
| Equity capital to assets | 8.9582% | 5,277 |
| Core capital (leverage) ratio | 7.9126% | 5,969 |
| Tier 1 risk-based capital ratio | 17.5089% | 2,218 |
| Total risk-based capital ratio | 18.7689% | 2,169 |
| Memoranda: | ||
| Average total assets | $66,090,330 | 5,301 |
| Average earning assets | $60,672,330 | 5,289 |
| Average equity | $5,849,000 | 5,587 |
| Average total loans | $26,795,330 | 5,599 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,711 |
| Cost of funding earning assets | 0.3215% | 4,205 |
| Net interest margin | 3.5557% | 3,200 |
| Noninterest income to average assets | 0.9203% | 1,326 |
| Noninterest expense to average assets | 2.6887% | 3,629 |
| Loan and lease loss provision to assets | 0.0902% | 2,189 |
| Net operating income to assets | 1.4015% | 1,032 |
| Return on assets (ROA) | 1.4015% | 1,084 |
| Pretax return on assets | 1.4015% | 1,886 |
| Return on Equity (ROE) | 15.9316% | 576 |
| Retained earnings to average equity (ytd only) | 9.0940% | 1,165 |
| Net charge-offs to loans | -0.9691% | 6,318 |
| Credit loss provision to net charge-offs | -23.0769% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3165% | 4,432 |
| Assets per employee ($millions) | 3.4989% | 4,901 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3590% | 653 |
| Loan loss allowance to noncurrent loans | 372.0930% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,911 |
| Noncurrent loans to loans | 0.6340% | 3,689 |
| Net loans and leases to total assets | 39.8472% | 5,606 |
| Net loans and leases to deposits | 43.8134% | 5,767 |
| Net loans and leases to core deposits | 45.5781% | 5,776 |
| Total domestic deposits to total assets | 90.9475% | 387 |
| Equity capital to assets | 8.9231% | 5,372 |
| Core capital (leverage) ratio | 7.9548% | 5,967 |
| Tier 1 risk-based capital ratio | 17.1167% | 2,436 |
| Total risk-based capital ratio | 18.3760% | 2,390 |
| Memoranda: | ||
| Average total assets | $66,500,500 | 5,343 |
| Average earning assets | $60,973,000 | 5,330 |
| Average equity | $5,850,000 | 5,639 |
| Average total loans | $26,830,000 | 5,645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 4,254 |
| Cost of funding earning assets | 0.3895% | 3,800 |
| Net interest margin | 3.4783% | 3,875 |
| Noninterest income to average assets | 0.9160% | 1,454 |
| Noninterest expense to average assets | 2.8394% | 3,344 |
| Loan and lease loss provision to assets | 0.0913% | 2,641 |
| Net operating income to assets | 1.1519% | 1,769 |
| Return on assets (ROA) | 1.1975% | 1,654 |
| Pretax return on assets | 1.1975% | 2,661 |
| Return on Equity (ROE) | 13.6865% | 997 |
| Retained earnings to average equity (ytd only) | 2.0347% | 4,766 |
| Net charge-offs to loans | 0.4015% | 1,067 |
| Credit loss provision to net charge-offs | 56.0748% | 3,355 |
| Earnings coverage of net charge-offs (x) | 7.6355% | 3,004 |
| Efficiency ratio | 69.5490% | 3,621 |
| Assets per employee ($millions) | 3.6957% | 4,536 |
| Cash dividends to net income (ytd only)* | 85.1334% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 927 |
| Loan loss allowance to noncurrent loans | 243.9130% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 4,674 |
| Noncurrent loans to loans | 0.8669% | 3,149 |
| Net loans and leases to total assets | 39.0382% | 5,798 |
| Net loans and leases to deposits | 42.7903% | 5,937 |
| Net loans and leases to core deposits | 44.5040% | 5,945 |
| Total domestic deposits to total assets | 91.2315% | 288 |
| Equity capital to assets | 8.6708% | 5,595 |
| Core capital (leverage) ratio | 7.7005% | 6,129 |
| Tier 1 risk-based capital ratio | 16.8375% | 2,586 |
| Total risk-based capital ratio | 17.5875% | 2,740 |
| Memoranda: | ||
| Average total assets | $65,718,200 | 5,405 |
| Average earning assets | $59,827,800 | 5,396 |
| Average equity | $5,750,200 | 5,677 |
| Average total loans | $26,652,200 | 5,717 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,138 |
| Cost of funding earning assets | 0.4028% | 3,764 |
| Net interest margin | 3.5070% | 3,799 |
| Noninterest income to average assets | 0.9239% | 1,440 |
| Noninterest expense to average assets | 2.7778% | 3,550 |
| Loan and lease loss provision to assets | 0.0916% | 2,523 |
| Net operating income to assets | 1.2434% | 1,544 |
| Return on assets (ROA) | 1.3045% | 1,416 |
| Pretax return on assets | 1.3045% | 2,357 |
| Return on Equity (ROE) | 14.8745% | 849 |
| Retained earnings to average equity (ytd only) | 2.8078% | 4,603 |
| Net charge-offs to loans | 0.0550% | 3,431 |
| Credit loss provision to net charge-offs | 409.0909% | 682 |
| Earnings coverage of net charge-offs (x) | 59.6210% | 866 |
| Efficiency ratio | 67.5408% | 3,934 |
| Assets per employee ($millions) | 3.5265% | 4,810 |
| Cash dividends to net income (ytd only)* | 81.1233% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3570% | 775 |
| Loan loss allowance to noncurrent loans | 235.1648% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 4,702 |
| Noncurrent loans to loans | 1.0023% | 3,060 |
| Net loans and leases to total assets | 39.6937% | 5,835 |
| Net loans and leases to deposits | 43.5365% | 5,997 |
| Net loans and leases to core deposits | 45.6537% | 5,967 |
| Total domestic deposits to total assets | 91.1735% | 314 |
| Equity capital to assets | 8.6698% | 5,668 |
| Core capital (leverage) ratio | 7.8836% | 6,141 |
| Tier 1 risk-based capital ratio | 16.1871% | 2,965 |
| Total risk-based capital ratio | 17.1389% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,517,250 | 5,467 |
| Average earning assets | $59,574,000 | 5,466 |
| Average equity | $5,745,750 | 5,729 |
| Average total loans | $26,682,750 | 5,774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 4,066 |
| Cost of funding earning assets | 0.4138% | 3,726 |
| Net interest margin | 3.5038% | 3,775 |
| Noninterest income to average assets | 0.9197% | 1,428 |
| Noninterest expense to average assets | 2.7498% | 3,702 |
| Loan and lease loss provision to assets | 0.0923% | 2,485 |
| Net operating income to assets | 1.2550% | 1,433 |
| Return on assets (ROA) | 1.2550% | 1,497 |
| Pretax return on assets | 1.2550% | 2,436 |
| Return on Equity (ROE) | 14.2541% | 910 |
| Retained earnings to average equity (ytd only) | 2.5504% | 4,581 |
| Net charge-offs to loans | 0.1283% | 2,384 |
| Credit loss provision to net charge-offs | 176.4706% | 1,295 |
| Earnings coverage of net charge-offs (x) | 25.7647% | 1,396 |
| Efficiency ratio | 67.1171% | 4,177 |
| Assets per employee ($millions) | 3.2928% | 5,261 |
| Cash dividends to net income (ytd only)* | 82.1078% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 902 |
| Loan loss allowance to noncurrent loans | 396.1783% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 5,387 |
| Noncurrent loans to loans | 0.5802% | 4,284 |
| Net loans and leases to total assets | 40.1443% | 5,801 |
| Net loans and leases to deposits | 44.0859% | 5,980 |
| Net loans and leases to core deposits | 46.2679% | 5,985 |
| Total domestic deposits to total assets | 91.0591% | 396 |
| Equity capital to assets | 8.8163% | 5,506 |
| Core capital (leverage) ratio | 7.8041% | 6,208 |
| Tier 1 risk-based capital ratio | 16.1919% | 2,985 |
| Total risk-based capital ratio | 17.0927% | 3,113 |
| Memoranda: | ||
| Average total assets | $65,022,000 | 5,529 |
| Average earning assets | $58,965,000 | 5,533 |
| Average equity | $5,724,670 | 5,771 |
| Average total loans | $26,497,670 | 5,821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,753 |
| Cost of funding earning assets | 0.4274% | 3,671 |
| Net interest margin | 3.5569% | 3,450 |
| Noninterest income to average assets | 0.9101% | 1,358 |
| Noninterest expense to average assets | 2.7552% | 3,726 |
| Loan and lease loss provision to assets | 0.0929% | 2,367 |
| Net operating income to assets | 1.2569% | 1,326 |
| Return on assets (ROA) | 1.2569% | 1,382 |
| Pretax return on assets | 1.2569% | 2,257 |
| Return on Equity (ROE) | 14.2857% | 890 |
| Retained earnings to average equity (ytd only) | 3.7298% | 3,893 |
| Net charge-offs to loans | 0.1678% | 1,713 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 19.8182% | 1,356 |
| Efficiency ratio | 67.1192% | 4,344 |
| Assets per employee ($millions) | 3.4444% | 5,046 |
| Cash dividends to net income (ytd only)* | 73.8916% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3605% | 954 |
| Loan loss allowance to noncurrent loans | 353.7572% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,389 |
| Noncurrent loans to loans | 0.6673% | 4,194 |
| Net loans and leases to total assets | 38.6825% | 5,894 |
| Net loans and leases to deposits | 42.4407% | 6,057 |
| Net loans and leases to core deposits | 44.5577% | 6,051 |
| Total domestic deposits to total assets | 91.1450% | 511 |
| Equity capital to assets | 8.7465% | 5,397 |
| Core capital (leverage) ratio | 7.8776% | 6,189 |
| Tier 1 risk-based capital ratio | 16.8300% | 2,767 |
| Total risk-based capital ratio | 17.7868% | 2,850 |
| Memoranda: | ||
| Average total assets | $64,605,500 | 5,608 |
| Average earning assets | $58,028,000 | 5,609 |
| Average equity | $5,684,000 | 5,824 |
| Average total loans | $26,217,000 | 5,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 4,346 |
| Cost of funding earning assets | 0.4763% | 3,852 |
| Net interest margin | 3.4554% | 4,074 |
| Noninterest income to average assets | 0.8480% | 1,874 |
| Noninterest expense to average assets | 2.7236% | 4,015 |
| Loan and lease loss provision to assets | 0.0905% | 3,297 |
| Net operating income to assets | 1.1649% | 1,701 |
| Return on assets (ROA) | 1.1830% | 1,698 |
| Pretax return on assets | 1.1830% | 2,645 |
| Return on Equity (ROE) | 13.7694% | 1,000 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,606 |
| Net charge-offs to loans | 0.2737% | 2,331 |
| Credit loss provision to net charge-offs | 83.3333% | 2,941 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 2,225 |
| Efficiency ratio | 68.4490% | 4,114 |
| Assets per employee ($millions) | 3.3562% | 5,185 |
| Cash dividends to net income (ytd only)* | 73.3418% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 1,043 |
| Loan loss allowance to noncurrent loans | 232.9502% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 5,029 |
| Noncurrent loans to loans | 0.9846% | 3,553 |
| Net loans and leases to total assets | 40.6144% | 5,918 |
| Net loans and leases to deposits | 44.5942% | 6,092 |
| Net loans and leases to core deposits | 47.3058% | 6,077 |
| Total domestic deposits to total assets | 91.0755% | 543 |
| Equity capital to assets | 8.8508% | 5,198 |
| Core capital (leverage) ratio | 7.8224% | 6,232 |
| Tier 1 risk-based capital ratio | 16.8024% | 2,708 |
| Total risk-based capital ratio | 17.7304% | 2,826 |
| Memoranda: | ||
| Average total assets | $66,273,000 | 5,586 |
| Average earning assets | $60,050,400 | 5,588 |
| Average equity | $5,693,800 | 5,884 |
| Average total loans | $26,308,600 | 5,923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 4,465 |
| Cost of funding earning assets | 0.4840% | 3,925 |
| Net interest margin | 3.4254% | 4,185 |
| Noninterest income to average assets | 0.8450% | 1,959 |
| Noninterest expense to average assets | 2.6547% | 4,182 |
| Loan and lease loss provision to assets | 0.0897% | 3,264 |
| Net operating income to assets | 1.1898% | 1,670 |
| Return on assets (ROA) | 1.1898% | 1,740 |
| Pretax return on assets | 1.1898% | 2,747 |
| Return on Equity (ROE) | 13.9493% | 1,007 |
| Retained earnings to average equity (ytd only) | 3.5515% | 4,172 |
| Net charge-offs to loans | 0.1523% | 3,021 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 21.3995% | 1,550 |
| Efficiency ratio | 67.4772% | 4,192 |
| Assets per employee ($millions) | 3.3201% | 5,247 |
| Cash dividends to net income (ytd only)* | 74.5396% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4546% | 981 |
| Loan loss allowance to noncurrent loans | 392.5926% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 5,711 |
| Noncurrent loans to loans | 0.6252% | 4,641 |
| Net loans and leases to total assets | 38.0642% | 6,170 |
| Net loans and leases to deposits | 41.6859% | 6,327 |
| Net loans and leases to core deposits | 44.1038% | 6,297 |
| Total domestic deposits to total assets | 91.3119% | 416 |
| Equity capital to assets | 8.5074% | 5,730 |
| Core capital (leverage) ratio | 7.5056% | 6,443 |
| Tier 1 risk-based capital ratio | 17.9305% | 2,349 |
| Total risk-based capital ratio | 19.0593% | 2,366 |
| Memoranda: | ||
| Average total assets | $66,899,250 | 5,626 |
| Average earning assets | $60,332,750 | 5,640 |
| Average equity | $5,706,250 | 5,946 |
| Average total loans | $26,259,000 | 5,982 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,292 |
| Cost of funding earning assets | 0.4917% | 3,973 |
| Net interest margin | 3.4588% | 3,961 |
| Noninterest income to average assets | 0.8529% | 1,991 |
| Noninterest expense to average assets | 2.5915% | 4,421 |
| Loan and lease loss provision to assets | 0.0895% | 3,296 |
| Net operating income to assets | 1.2764% | 1,384 |
| Return on assets (ROA) | 1.2764% | 1,477 |
| Pretax return on assets | 1.2764% | 2,379 |
| Return on Equity (ROE) | 14.9511% | 819 |
| Retained earnings to average equity (ytd only) | 3.9474% | 3,785 |
| Net charge-offs to loans | 0.1365% | 3,013 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 25.4444% | 1,264 |
| Efficiency ratio | 65.4861% | 4,631 |
| Assets per employee ($millions) | 3.3813% | 5,112 |
| Cash dividends to net income (ytd only)* | 73.5981% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4729% | 1,011 |
| Loan loss allowance to noncurrent loans | 349.1713% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 5,636 |
| Noncurrent loans to loans | 0.7082% | 4,517 |
| Net loans and leases to total assets | 36.8571% | 6,246 |
| Net loans and leases to deposits | 40.2562% | 6,396 |
| Net loans and leases to core deposits | 42.5370% | 6,384 |
| Total domestic deposits to total assets | 91.5565% | 358 |
| Equity capital to assets | 8.2941% | 5,975 |
| Core capital (leverage) ratio | 7.3696% | 6,507 |
| Tier 1 risk-based capital ratio | 16.2283% | 3,076 |
| Total risk-based capital ratio | 17.2579% | 3,131 |
| Memoranda: | ||
| Average total assets | $67,065,330 | 5,656 |
| Average earning assets | $60,193,670 | 5,688 |
| Average equity | $5,725,330 | 5,991 |
| Average total loans | $26,375,000 | 6,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 3,547 |
| Cost of funding earning assets | 0.5017% | 4,071 |
| Net interest margin | 3.6406% | 3,108 |
| Noninterest income to average assets | 0.8864% | 1,802 |
| Noninterest expense to average assets | 2.6353% | 4,294 |
| Loan and lease loss provision to assets | 0.0898% | 3,163 |
| Net operating income to assets | 1.3776% | 1,077 |
| Return on assets (ROA) | 1.3776% | 1,166 |
| Pretax return on assets | 1.3776% | 1,928 |
| Return on Equity (ROE) | 15.9073% | 620 |
| Retained earnings to average equity (ytd only) | 10.7202% | 934 |
| Net charge-offs to loans | -0.0149% | 5,589 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2336% | 4,975 |
| Assets per employee ($millions) | 3.6955% | 4,566 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4151% | 1,230 |
| Loan loss allowance to noncurrent loans | 516.2602% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,897 |
| Noncurrent loans to loans | 0.4678% | 5,253 |
| Net loans and leases to total assets | 38.5724% | 6,114 |
| Net loans and leases to deposits | 42.3420% | 6,299 |
| Net loans and leases to core deposits | 44.8003% | 6,272 |
| Total domestic deposits to total assets | 91.0973% | 488 |
| Equity capital to assets | 8.7990% | 5,713 |
| Core capital (leverage) ratio | 7.3830% | 6,510 |
| Tier 1 risk-based capital ratio | 16.3653% | 3,083 |
| Total risk-based capital ratio | 17.3751% | 3,153 |
| Memoranda: | ||
| Average total assets | $66,785,000 | 5,714 |
| Average earning assets | $59,000,500 | 5,779 |
| Average equity | $5,783,500 | 6,037 |
| Average total loans | $26,784,000 | 6,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 3,007 |
| Cost of funding earning assets | 0.6156% | 4,214 |
| Net interest margin | 3.9841% | 2,466 |
| Noninterest income to average assets | 0.8514% | 2,035 |
| Noninterest expense to average assets | 2.7258% | 4,302 |
| Loan and lease loss provision to assets | 0.1669% | 3,526 |
| Net operating income to assets | 1.5147% | 888 |
| Return on assets (ROA) | 1.5147% | 982 |
| Pretax return on assets | 1.5147% | 1,639 |
| Return on Equity (ROE) | 17.5389% | 483 |
| Retained earnings to average equity (ytd only) | 4.7977% | 2,851 |
| Net charge-offs to loans | 0.0278% | 5,511 |
| Credit loss provision to net charge-offs | 1,375.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 301 |
| Efficiency ratio | 61.8457% | 5,260 |
| Assets per employee ($millions) | 3.3526% | 5,325 |
| Cash dividends to net income (ytd only)* | 72.6453% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2731% | 1,409 |
| Loan loss allowance to noncurrent loans | 331.5508% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 5,854 |
| Noncurrent loans to loans | 0.6856% | 4,825 |
| Net loans and leases to total assets | 39.7533% | 6,185 |
| Net loans and leases to deposits | 43.4949% | 6,398 |
| Net loans and leases to core deposits | 45.7895% | 6,385 |
| Total domestic deposits to total assets | 91.3976% | 368 |
| Equity capital to assets | 8.5219% | 6,033 |
| Core capital (leverage) ratio | 7.3003% | 6,583 |
| Tier 1 risk-based capital ratio | 15.3500% | 3,512 |
| Total risk-based capital ratio | 16.2413% | 3,676 |
| Memoranda: | ||
| Average total assets | $65,889,400 | 5,747 |
| Average earning assets | $58,808,600 | 5,782 |
| Average equity | $5,690,200 | 6,103 |
| Average total loans | $28,747,800 | 6,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 2,875 |
| Cost of funding earning assets | 0.6456% | 4,234 |
| Net interest margin | 4.0371% | 2,352 |
| Noninterest income to average assets | 0.8638% | 1,968 |
| Noninterest expense to average assets | 2.7357% | 4,235 |
| Loan and lease loss provision to assets | 0.1281% | 3,948 |
| Net operating income to assets | 1.6097% | 819 |
| Return on assets (ROA) | 1.6097% | 917 |
| Pretax return on assets | 1.6097% | 1,548 |
| Return on Equity (ROE) | 18.5771% | 434 |
| Retained earnings to average equity (ytd only) | 6.2627% | 2,514 |
| Net charge-offs to loans | -0.3526% | 7,069 |
| Credit loss provision to net charge-offs | -81.8182% | 6,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1540% | 5,286 |
| Assets per employee ($millions) | 3.2435% | 5,548 |
| Cash dividends to net income (ytd only)* | 66.2879% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3458% | 1,441 |
| Loan loss allowance to noncurrent loans | 226.5517% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 5,548 |
| Noncurrent loans to loans | 1.0354% | 4,375 |
| Net loans and leases to total assets | 42.1634% | 6,116 |
| Net loans and leases to deposits | 46.3655% | 6,360 |
| Net loans and leases to core deposits | 49.1500% | 6,335 |
| Total domestic deposits to total assets | 90.9371% | 430 |
| Equity capital to assets | 8.8841% | 5,938 |
| Core capital (leverage) ratio | 7.1807% | 6,759 |
| Tier 1 risk-based capital ratio | 15.3164% | 3,638 |
| Total risk-based capital ratio | 16.2964% | 3,766 |
| Memoranda: | ||
| Average total assets | $65,599,000 | 5,825 |
| Average earning assets | $58,654,750 | 5,854 |
| Average equity | $5,684,250 | 6,175 |
| Average total loans | $29,116,000 | 6,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 3,007 |
| Cost of funding earning assets | 0.6677% | 4,299 |
| Net interest margin | 4.0130% | 2,446 |
| Noninterest income to average assets | 0.8839% | 1,847 |
| Noninterest expense to average assets | 2.7399% | 4,251 |
| Loan and lease loss provision to assets | 0.1276% | 3,926 |
| Net operating income to assets | 1.5947% | 846 |
| Return on assets (ROA) | 1.5947% | 945 |
| Pretax return on assets | 1.5947% | 1,564 |
| Return on Equity (ROE) | 18.5578% | 449 |
| Retained earnings to average equity (ytd only) | 6.1859% | 2,575 |
| Net charge-offs to loans | 0.4273% | 2,331 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,216 |
| Efficiency ratio | 61.4023% | 5,349 |
| Assets per employee ($millions) | 3.2162% | 5,616 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,262 |
| Loan loss allowance to noncurrent loans | 396.8000% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 6,325 |
| Noncurrent loans to loans | 0.4261% | 5,683 |
| Net loans and leases to total assets | 42.6970% | 6,131 |
| Net loans and leases to deposits | 46.6831% | 6,393 |
| Net loans and leases to core deposits | 49.6496% | 6,356 |
| Total domestic deposits to total assets | 91.4615% | 317 |
| Equity capital to assets | 8.3742% | 6,322 |
| Core capital (leverage) ratio | 6.9644% | 6,833 |
| Tier 1 risk-based capital ratio | 14.5341% | 4,077 |
| Total risk-based capital ratio | 14.9324% | 4,657 |
| Memoranda: | ||
| Average total assets | $65,842,330 | 5,852 |
| Average earning assets | $58,708,670 | 5,884 |
| Average equity | $5,658,000 | 6,202 |
| Average total loans | $29,485,330 | 6,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 2,666 |
| Cost of funding earning assets | 0.6798% | 4,466 |
| Net interest margin | 4.1135% | 2,048 |
| Noninterest income to average assets | 0.9293% | 1,630 |
| Noninterest expense to average assets | 2.8495% | 3,826 |
| Loan and lease loss provision to assets | 0.1292% | 3,730 |
| Net operating income to assets | 1.6002% | 861 |
| Return on assets (ROA) | 1.6002% | 965 |
| Pretax return on assets | 1.6002% | 1,578 |
| Return on Equity (ROE) | 18.3778% | 509 |
| Retained earnings to average equity (ytd only) | 18.3778% | 235 |
| Net charge-offs to loans | 1.0960% | 941 |
| Credit loss provision to net charge-offs | 25.9259% | 3,693 |
| Earnings coverage of net charge-offs (x) | 3.4691% | 2,828 |
| Efficiency ratio | 62.2312% | 5,233 |
| Assets per employee ($millions) | 3.2059% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 3,886 |
| Loan loss allowance to noncurrent loans | 279.2683% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 6,277 |
| Noncurrent loans to loans | 0.5589% | 5,539 |
| Net loans and leases to total assets | 42.9045% | 6,109 |
| Net loans and leases to deposits | 47.0310% | 6,357 |
| Net loans and leases to core deposits | 50.0780% | 6,336 |
| Total domestic deposits to total assets | 91.2260% | 466 |
| Equity capital to assets | 8.6299% | 5,950 |
| Core capital (leverage) ratio | 7.4529% | 6,660 |
| Tier 1 risk-based capital ratio | 14.2917% | 4,246 |
| Total risk-based capital ratio | 14.5631% | 4,958 |
| Memoranda: | ||
| Average total assets | $64,993,000 | 5,919 |
| Average earning assets | $57,663,500 | 5,950 |
| Average equity | $5,659,000 | 6,239 |
| Average total loans | $29,561,000 | 6,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 1,918 |
| Cost of funding earning assets | 0.8449% | 4,508 |
| Net interest margin | 4.3926% | 1,413 |
| Noninterest income to average assets | 0.9179% | 1,614 |
| Noninterest expense to average assets | 3.0894% | 3,237 |
| Loan and lease loss provision to assets | 0.1759% | 4,430 |
| Net operating income to assets | 1.5767% | 703 |
| Return on assets (ROA) | 1.5767% | 761 |
| Pretax return on assets | 1.5767% | 1,259 |
| Return on Equity (ROE) | 18.1230% | 369 |
| Retained earnings to average equity (ytd only) | 4.7054% | 2,850 |
| Net charge-offs to loans | 0.8279% | 2,094 |
| Credit loss provision to net charge-offs | 43.4783% | 5,562 |
| Earnings coverage of net charge-offs (x) | 4.3320% | 3,163 |
| Efficiency ratio | 63.8045% | 5,159 |
| Assets per employee ($millions) | 2.8483% | 6,384 |
| Cash dividends to net income (ytd only)* | 74.0365% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,177.2727% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,781 |
| Noncurrent loans to loans | 0.1478% | 6,450 |
| Net loans and leases to total assets | 46.6966% | 5,946 |
| Net loans and leases to deposits | 51.2712% | 6,272 |
| Net loans and leases to core deposits | 54.8565% | 6,237 |
| Total domestic deposits to total assets | 91.0775% | 479 |
| Equity capital to assets | 8.7900% | 5,807 |
| Core capital (leverage) ratio | 7.2323% | 6,775 |
| Tier 1 risk-based capital ratio | 13.7254% | 4,537 |
| Total risk-based capital ratio | 14.1646% | 5,118 |
| Memoranda: | ||
| Average total assets | $62,536,800 | 5,968 |
| Average earning assets | $55,867,000 | 5,990 |
| Average equity | $5,440,600 | 6,309 |
| Average total loans | $30,558,800 | 6,136 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 1,896 |
| Cost of funding earning assets | 0.8747% | 4,595 |
| Net interest margin | 4.4167% | 1,360 |
| Noninterest income to average assets | 0.9215% | 1,572 |
| Noninterest expense to average assets | 3.0482% | 3,360 |
| Loan and lease loss provision to assets | 0.0960% | 5,260 |
| Net operating income to assets | 1.7193% | 596 |
| Return on assets (ROA) | 1.7193% | 653 |
| Pretax return on assets | 1.7193% | 1,099 |
| Return on Equity (ROE) | 19.8136% | 326 |
| Retained earnings to average equity (ytd only) | 6.1703% | 2,449 |
| Net charge-offs to loans | 0.9798% | 1,648 |
| Credit loss provision to net charge-offs | 19.9115% | 5,557 |
| Earnings coverage of net charge-offs (x) | 3.7654% | 3,303 |
| Efficiency ratio | 62.6754% | 5,297 |
| Assets per employee ($millions) | 3.1541% | 5,772 |
| Cash dividends to net income (ytd only)* | 68.8584% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,856 |
| Loan loss allowance to noncurrent loans | 263.7363% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,337 |
| Noncurrent loans to loans | 0.5907% | 5,693 |
| Net loans and leases to total assets | 48.0803% | 5,943 |
| Net loans and leases to deposits | 52.8766% | 6,302 |
| Net loans and leases to core deposits | 56.5457% | 6,269 |
| Total domestic deposits to total assets | 90.9293% | 453 |
| Equity capital to assets | 8.8662% | 5,897 |
| Core capital (leverage) ratio | 7.1659% | 6,909 |
| Tier 1 risk-based capital ratio | 13.4404% | 4,780 |
| Total risk-based capital ratio | 13.7195% | 5,510 |
| Memoranda: | ||
| Average total assets | $62,505,500 | 6,019 |
| Average earning assets | $55,786,500 | 6,038 |
| Average equity | $5,423,750 | 6,364 |
| Average total loans | $30,753,750 | 6,186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 1,868 |
| Cost of funding earning assets | 0.9065% | 4,609 |
| Net interest margin | 4.3990% | 1,374 |
| Noninterest income to average assets | 0.9308% | 1,535 |
| Noninterest expense to average assets | 3.0363% | 3,500 |
| Loan and lease loss provision to assets | 0.0963% | 5,123 |
| Net operating income to assets | 1.7075% | 590 |
| Return on assets (ROA) | 1.7075% | 638 |
| Pretax return on assets | 1.7075% | 1,042 |
| Return on Equity (ROE) | 19.8236% | 321 |
| Retained earnings to average equity (ytd only) | 6.0365% | 2,408 |
| Net charge-offs to loans | 0.0390% | 5,303 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 383 |
| Efficiency ratio | 62.7321% | 5,447 |
| Assets per employee ($millions) | 2.9750% | 6,138 |
| Cash dividends to net income (ytd only)* | 69.5489% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2159% | 1,884 |
| Loan loss allowance to noncurrent loans | 167.8922% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 5,597 |
| Noncurrent loans to loans | 1.3198% | 4,443 |
| Net loans and leases to total assets | 48.3849% | 6,016 |
| Net loans and leases to deposits | 53.1659% | 6,374 |
| Net loans and leases to core deposits | 56.8805% | 6,355 |
| Total domestic deposits to total assets | 91.0075% | 495 |
| Equity capital to assets | 8.7909% | 5,828 |
| Core capital (leverage) ratio | 7.0692% | 6,969 |
| Tier 1 risk-based capital ratio | 13.0305% | 4,893 |
| Total risk-based capital ratio | 13.9085% | 5,183 |
| Memoranda: | ||
| Average total assets | $62,313,330 | 6,074 |
| Average earning assets | $55,376,330 | 6,109 |
| Average equity | $5,367,330 | 6,421 |
| Average total loans | $30,735,000 | 6,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 1,606 |
| Cost of funding earning assets | 0.9330% | 4,700 |
| Net interest margin | 4.4536% | 1,165 |
| Noninterest income to average assets | 0.9127% | 1,618 |
| Noninterest expense to average assets | 3.1430% | 3,099 |
| Loan and lease loss provision to assets | 0.0964% | 4,808 |
| Net operating income to assets | 1.6004% | 693 |
| Return on assets (ROA) | 1.6004% | 737 |
| Pretax return on assets | 1.6004% | 1,191 |
| Return on Equity (ROE) | 18.7747% | 415 |
| Retained earnings to average equity (ytd only) | 18.7747% | 206 |
| Net charge-offs to loans | 0.2088% | 3,260 |
| Credit loss provision to net charge-offs | 93.7500% | 2,865 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,264 |
| Efficiency ratio | 64.9402% | 5,197 |
| Assets per employee ($millions) | 3.5206% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1846% | 1,999 |
| Loan loss allowance to noncurrent loans | 1,885.7143% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,527 |
| Noncurrent loans to loans | 0.1159% | 6,758 |
| Net loans and leases to total assets | 46.6325% | 6,223 |
| Net loans and leases to deposits | 51.1095% | 6,540 |
| Net loans and leases to core deposits | 54.6068% | 6,515 |
| Total domestic deposits to total assets | 91.2403% | 515 |
| Equity capital to assets | 8.5892% | 5,784 |
| Core capital (leverage) ratio | 7.2788% | 6,874 |
| Tier 1 risk-based capital ratio | 13.1730% | 4,688 |
| Total risk-based capital ratio | 13.9970% | 4,995 |
| Memoranda: | ||
| Average total assets | $62,233,000 | 6,114 |
| Average earning assets | $54,876,500 | 6,172 |
| Average equity | $5,305,000 | 6,454 |
| Average total loans | $30,646,000 | 6,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 2,530 |
| Cost of funding earning assets | 1.0438% | 5,461 |
| Net interest margin | 4.3898% | 1,510 |
| Noninterest income to average assets | 0.8974% | 1,857 |
| Noninterest expense to average assets | 2.7657% | 4,725 |
| Loan and lease loss provision to assets | 0.0979% | 6,166 |
| Net operating income to assets | 2.0755% | 247 |
| Return on assets (ROA) | 2.1669% | 219 |
| Pretax return on assets | 2.1669% | 347 |
| Return on Equity (ROE) | 25.9253% | 86 |
| Retained earnings to average equity (ytd only) | 6.4032% | 1,618 |
| Net charge-offs to loans | 0.2238% | 4,946 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 19.0286% | 1,083 |
| Efficiency ratio | 55.9960% | 6,596 |
| Assets per employee ($millions) | 2.9093% | 6,301 |
| Cash dividends to net income (ytd only)* | 75.3012% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 2,008 |
| Loan loss allowance to noncurrent loans | 1,537.2093% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 6,543 |
| Noncurrent loans to loans | 0.1383% | 6,797 |
| Net loans and leases to total assets | 49.7905% | 6,185 |
| Net loans and leases to deposits | 54.4839% | 6,570 |
| Net loans and leases to core deposits | 58.7531% | 6,493 |
| Total domestic deposits to total assets | 91.3857% | 430 |
| Equity capital to assets | 8.4572% | 5,914 |
| Core capital (leverage) ratio | 6.9288% | 7,057 |
| Tier 1 risk-based capital ratio | 12.4607% | 5,058 |
| Total risk-based capital ratio | 13.2557% | 5,447 |
| Memoranda: | ||
| Average total assets | $61,286,000 | 6,152 |
| Average earning assets | $56,426,000 | 6,121 |
| Average equity | $5,122,400 | 6,630 |
| Average total loans | $31,284,200 | 6,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 2,712 |
| Cost of funding earning assets | 1.0577% | 5,663 |
| Net interest margin | 4.3788% | 1,589 |
| Noninterest income to average assets | 0.8956% | 1,816 |
| Noninterest expense to average assets | 2.7608% | 4,639 |
| Loan and lease loss provision to assets | 0.0978% | 6,038 |
| Net operating income to assets | 2.0869% | 294 |
| Return on assets (ROA) | 2.2086% | 253 |
| Pretax return on assets | 2.2086% | 403 |
| Return on Equity (ROE) | 26.5029% | 87 |
| Retained earnings to average equity (ytd only) | 8.8953% | 1,084 |
| Net charge-offs to loans | 0.2298% | 4,557 |
| Credit loss provision to net charge-offs | 83.3333% | 5,026 |
| Earnings coverage of net charge-offs (x) | 18.6107% | 1,248 |
| Efficiency ratio | 55.8242% | 6,583 |
| Assets per employee ($millions) | 2.6511% | 6,848 |
| Cash dividends to net income (ytd only)* | 66.4373% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 2,009 |
| Loan loss allowance to noncurrent loans | 1,182.1429% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,623 |
| Noncurrent loans to loans | 0.1771% | 6,831 |
| Net loans and leases to total assets | 50.7659% | 6,240 |
| Net loans and leases to deposits | 55.7316% | 6,634 |
| Net loans and leases to core deposits | 60.1080% | 6,589 |
| Total domestic deposits to total assets | 91.0899% | 416 |
| Equity capital to assets | 8.7051% | 5,997 |
| Core capital (leverage) ratio | 7.0835% | 7,118 |
| Tier 1 risk-based capital ratio | 12.3439% | 5,123 |
| Total risk-based capital ratio | 13.1120% | 5,558 |
| Memoranda: | ||
| Average total assets | $61,333,500 | 6,215 |
| Average earning assets | $56,726,500 | 6,175 |
| Average equity | $5,111,250 | 6,715 |
| Average total loans | $31,335,000 | 6,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 2,932 |
| Cost of funding earning assets | 1.0632% | 5,859 |
| Net interest margin | 4.3475% | 1,601 |
| Noninterest income to average assets | 0.9048% | 1,674 |
| Noninterest expense to average assets | 2.7924% | 4,516 |
| Loan and lease loss provision to assets | 0.0976% | 5,934 |
| Net operating income to assets | 2.0471% | 310 |
| Return on assets (ROA) | 2.0471% | 336 |
| Pretax return on assets | 2.0471% | 555 |
| Return on Equity (ROE) | 24.9323% | 126 |
| Retained earnings to average equity (ytd only) | 7.0952% | 1,795 |
| Net charge-offs to loans | 0.3905% | 3,410 |
| Credit loss provision to net charge-offs | 49.1803% | 5,439 |
| Earnings coverage of net charge-offs (x) | 10.8033% | 1,839 |
| Efficiency ratio | 56.5590% | 6,567 |
| Assets per employee ($millions) | 2.6548% | 6,851 |
| Cash dividends to net income (ytd only)* | 71.5421% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0650% | 2,044 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,773 |
| Noncurrent loans to loans | 0.0774% | 7,113 |
| Net loans and leases to total assets | 49.7093% | 6,460 |
| Net loans and leases to deposits | 54.4341% | 6,832 |
| Net loans and leases to core deposits | 58.3914% | 6,805 |
| Total domestic deposits to total assets | 91.3202% | 379 |
| Equity capital to assets | 8.4800% | 6,185 |
| Core capital (leverage) ratio | 6.7535% | 7,306 |
| Tier 1 risk-based capital ratio | 12.0791% | 5,245 |
| Total risk-based capital ratio | 12.8192% | 5,672 |
| Memoranda: | ||
| Average total assets | $61,452,670 | 6,248 |
| Average earning assets | $56,997,670 | 6,200 |
| Average equity | $5,045,670 | 6,766 |
| Average total loans | $31,241,000 | 6,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 3,198 |
| Cost of funding earning assets | 1.0443% | 6,158 |
| Net interest margin | 4.3243% | 1,616 |
| Noninterest income to average assets | 0.8759% | 1,717 |
| Noninterest expense to average assets | 2.8160% | 4,430 |
| Loan and lease loss provision to assets | 0.0973% | 5,657 |
| Net operating income to assets | 1.9660% | 367 |
| Return on assets (ROA) | 1.9660% | 399 |
| Pretax return on assets | 1.9660% | 643 |
| Return on Equity (ROE) | 24.3398% | 177 |
| Retained earnings to average equity (ytd only) | 24.3398% | 107 |
| Net charge-offs to loans | 0.3571% | 2,983 |
| Credit loss provision to net charge-offs | 53.5714% | 4,424 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 1,650 |
| Efficiency ratio | 57.7128% | 6,528 |
| Assets per employee ($millions) | 2.7086% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 1,944 |
| Loan loss allowance to noncurrent loans | 715.2174% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 7,114 |
| Noncurrent loans to loans | 0.2946% | 6,732 |
| Net loans and leases to total assets | 49.0746% | 6,570 |
| Net loans and leases to deposits | 53.6285% | 6,940 |
| Net loans and leases to core deposits | 58.5188% | 6,847 |
| Total domestic deposits to total assets | 91.5084% | 368 |
| Equity capital to assets | 8.3278% | 6,264 |
| Core capital (leverage) ratio | 6.8611% | 7,322 |
| Tier 1 risk-based capital ratio | 12.5011% | 4,752 |
| Total risk-based capital ratio | 13.2892% | 5,121 |
| Memoranda: | ||
| Average total assets | $61,648,500 | 6,320 |
| Average earning assets | $57,073,000 | 6,273 |
| Average equity | $4,979,500 | 6,851 |
| Average total loans | $31,365,000 | 6,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9054% | 2,208 |
| Cost of funding earning assets | 1.2053% | 6,642 |
| Net interest margin | 4.7000% | 834 |
| Noninterest income to average assets | 0.8319% | 2,262 |
| Noninterest expense to average assets | 2.8281% | 4,845 |
| Loan and lease loss provision to assets | 0.1622% | 6,064 |
| Net operating income to assets | 2.1162% | 178 |
| Return on assets (ROA) | 2.2070% | 157 |
| Pretax return on assets | 2.2070% | 270 |
| Return on Equity (ROE) | 29.9410% | 50 |
| Retained earnings to average equity (ytd only) | 6.6218% | 1,109 |
| Net charge-offs to loans | 0.1578% | 5,697 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 28.1000% | 811 |
| Efficiency ratio | 55.3827% | 7,086 |
| Assets per employee ($millions) | 2.6522% | 6,942 |
| Cash dividends to net income (ytd only)* | 77.8839% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,774 |
| Loan loss allowance to noncurrent loans | 1,290.3846% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,287 |
| Noncurrent loans to loans | 0.1651% | 7,012 |
| Net loans and leases to total assets | 50.5393% | 6,572 |
| Net loans and leases to deposits | 55.9195% | 6,925 |
| Net loans and leases to core deposits | 73.1481% | 6,587 |
| Total domestic deposits to total assets | 90.3787% | 790 |
| Equity capital to assets | 7.8213% | 6,745 |
| Core capital (leverage) ratio | 6.6128% | 7,441 |
| Tier 1 risk-based capital ratio | 11.5169% | 5,380 |
| Total risk-based capital ratio | 12.3262% | 5,808 |
| Memoranda: | ||
| Average total assets | $61,666,200 | 6,282 |
| Average earning assets | $56,084,600 | 6,286 |
| Average equity | $4,545,600 | 7,097 |
| Average total loans | $31,687,400 | 6,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 2,262 |
| Cost of funding earning assets | 1.2478% | 6,736 |
| Net interest margin | 4.6949% | 835 |
| Noninterest income to average assets | 0.8216% | 2,324 |
| Noninterest expense to average assets | 2.8291% | 4,766 |
| Loan and lease loss provision to assets | 0.0539% | 6,838 |
| Net operating income to assets | 2.1736% | 192 |
| Return on assets (ROA) | 2.2943% | 169 |
| Pretax return on assets | 2.2943% | 293 |
| Return on Equity (ROE) | 31.6006% | 49 |
| Retained earnings to average equity (ytd only) | 8.4348% | 998 |
| Net charge-offs to loans | 0.1219% | 5,480 |
| Credit loss provision to net charge-offs | 86.2069% | 5,587 |
| Earnings coverage of net charge-offs (x) | 35.6168% | 816 |
| Efficiency ratio | 55.9488% | 7,007 |
| Assets per employee ($millions) | 2.5737% | 7,100 |
| Cash dividends to net income (ytd only)* | 73.3081% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 2,012 |
| Loan loss allowance to noncurrent loans | 127.2727% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 5,461 |
| Noncurrent loans to loans | 1.4987% | 4,415 |
| Net loans and leases to total assets | 53.5154% | 6,443 |
| Net loans and leases to deposits | 58.3697% | 6,943 |
| Net loans and leases to core deposits | 76.1185% | 6,606 |
| Total domestic deposits to total assets | 91.6836% | 230 |
| Equity capital to assets | 8.0681% | 6,779 |
| Core capital (leverage) ratio | 6.6831% | 7,593 |
| Tier 1 risk-based capital ratio | 11.2201% | 5,721 |
| Total risk-based capital ratio | 11.8293% | 6,341 |
| Memoranda: | ||
| Average total assets | $61,832,750 | 6,315 |
| Average earning assets | $55,775,000 | 6,347 |
| Average equity | $4,489,250 | 7,183 |
| Average total loans | $31,734,250 | 6,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 2,294 |
| Cost of funding earning assets | 1.3202% | 6,734 |
| Net interest margin | 4.6512% | 872 |
| Noninterest income to average assets | 0.8037% | 2,394 |
| Noninterest expense to average assets | 2.7236% | 5,285 |
| Loan and lease loss provision to assets | 0.0797% | 6,391 |
| Net operating income to assets | 2.1463% | 216 |
| Return on assets (ROA) | 2.1687% | 230 |
| Pretax return on assets | 2.1687% | 384 |
| Return on Equity (ROE) | 30.9536% | 66 |
| Retained earnings to average equity (ytd only) | 6.8280% | 1,651 |
| Net charge-offs to loans | 0.1965% | 4,303 |
| Credit loss provision to net charge-offs | 80.6452% | 5,181 |
| Earnings coverage of net charge-offs (x) | 22.5161% | 1,218 |
| Efficiency ratio | 55.0258% | 7,226 |
| Assets per employee ($millions) | 2.5827% | 7,091 |
| Cash dividends to net income (ytd only)* | 77.9412% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 1,738 |
| Loan loss allowance to noncurrent loans | 990.3226% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,317 |
| Noncurrent loans to loans | 0.1940% | 7,030 |
| Net loans and leases to total assets | 52.7684% | 6,592 |
| Net loans and leases to deposits | 57.1945% | 7,080 |
| Net loans and leases to core deposits | 71.5989% | 6,926 |
| Total domestic deposits to total assets | 92.2613% | 174 |
| Equity capital to assets | 7.5249% | 7,240 |
| Core capital (leverage) ratio | 5.9453% | 7,935 |
| Tier 1 risk-based capital ratio | 10.9553% | 5,924 |
| Total risk-based capital ratio | 11.5769% | 6,503 |
| Memoranda: | ||
| Average total assets | $62,711,670 | 6,346 |
| Average earning assets | $55,899,000 | 6,394 |
| Average equity | $4,393,670 | 7,276 |
| Average total loans | $31,547,330 | 6,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 2,198 |
| Cost of funding earning assets | 1.3854% | 6,779 |
| Net interest margin | 4.6541% | 858 |
| Noninterest income to average assets | 0.7768% | 2,449 |
| Noninterest expense to average assets | 2.3926% | 6,218 |
| Loan and lease loss provision to assets | 0.1554% | 4,943 |
| Net operating income to assets | 2.2372% | 218 |
| Return on assets (ROA) | 2.2372% | 250 |
| Pretax return on assets | 2.2372% | 405 |
| Return on Equity (ROE) | 33.0616% | 73 |
| Retained earnings to average equity (ytd only) | 7.3470% | 2,078 |
| Net charge-offs to loans | 0.1659% | 3,639 |
| Credit loss provision to net charge-offs | 192.3077% | 2,291 |
| Earnings coverage of net charge-offs (x) | 29.6154% | 1,068 |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 2.6451% | 6,988 |
| Cash dividends to net income (ytd only)* | 77.7778% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,371 |
| Loan loss allowance to noncurrent loans | 116.3603% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 5,119 |
| Noncurrent loans to loans | 1.7349% | 3,662 |
| Net loans and leases to total assets | 46.4621% | 7,160 |
| Net loans and leases to deposits | 49.8815% | 7,500 |
| Net loans and leases to core deposits | 66.7217% | 7,206 |
| Total domestic deposits to total assets | 93.1450% | 74 |
| Equity capital to assets | 6.7189% | 7,799 |
| Core capital (leverage) ratio | 5.6547% | 8,062 |
| Tier 1 risk-based capital ratio | 11.0284% | 5,888 |
| Total risk-based capital ratio | 11.7459% | 6,313 |
| Memoranda: | ||
| Average total assets | $64,366,000 | 6,318 |
| Average earning assets | $55,435,000 | 6,439 |
| Average equity | $4,355,500 | 7,334 |
| Average total loans | $31,341,000 | 6,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6198% | 2,388 |
| Cost of funding earning assets | 1.9704% | 6,507 |
| Net interest margin | 4.6493% | 1,055 |
| Noninterest income to average assets | 0.7917% | 2,564 |
| Noninterest expense to average assets | 2.5034% | 5,989 |
| Loan and lease loss provision to assets | 0.1317% | 5,680 |
| Net operating income to assets | 2.4106% | 153 |
| Return on assets (ROA) | 2.6250% | 103 |
| Pretax return on assets | 2.6250% | 154 |
| Return on Equity (ROE) | 39.3890% | 18 |
| Retained earnings to average equity (ytd only) | 6.4593% | 1,346 |
| Net charge-offs to loans | 0.0621% | 5,888 |
| Credit loss provision to net charge-offs | 410.5263% | 1,066 |
| Earnings coverage of net charge-offs (x) | 79.2632% | 525 |
| Efficiency ratio | 49.6153% | 7,688 |
| Assets per employee ($millions) | 2.7220% | 6,733 |
| Cash dividends to net income (ytd only)* | 83.6013% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 1,259 |
| Loan loss allowance to noncurrent loans | 1,774.2857% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 7,124 |
| Noncurrent loans to loans | 0.1117% | 7,083 |
| Net loans and leases to total assets | 49.0440% | 7,099 |
| Net loans and leases to deposits | 52.7334% | 7,503 |
| Net loans and leases to core deposits | 72.2243% | 7,067 |
| Total domestic deposits to total assets | 93.0038% | 54 |
| Equity capital to assets | 6.8173% | 7,821 |
| Core capital (leverage) ratio | 5.8324% | 8,125 |
| Tier 1 risk-based capital ratio | 10.6749% | 6,027 |
| Total risk-based capital ratio | 11.3498% | 6,494 |
| Memoranda: | ||
| Average total assets | $59,238,800 | 6,408 |
| Average earning assets | $54,201,200 | 6,402 |
| Average equity | $3,947,800 | 7,530 |
| Average total loans | $30,582,400 | 6,672 |