Home > The First National Bank of Beeville > Performance and Condition Ratios
The First National Bank of Beeville, 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 | 5.1096% | 1,081 |
| Cost of funding earning assets | 0.5448% | 3,850 |
| Net interest margin | 4.5648% | 654 |
| Noninterest income to average assets | 0.2606% | 4,146 |
| Noninterest expense to average assets | 2.2369% | 4,169 |
| Loan and lease loss provision to assets | 0.0762% | 2,156 |
| Net operating income to assets | 1.7368% | 681 |
| Return on assets (ROA) | 1.7368% | 702 |
| Pretax return on assets | 2.2066% | 443 |
| Return on Equity (ROE) | 19.4831% | 294 |
| Retained earnings to average equity (ytd only) | 16.5086% | 201 |
| Net charge-offs to loans | 0.0040% | 2,576 |
| Credit loss provision to net charge-offs | 2,766.6667% | 161 |
| Earnings coverage of net charge-offs (x) | 829.3333% | 76 |
| Efficiency ratio | 49.4925% | 4,863 |
| Assets per employee ($millions) | 7.9465% | 685 |
| Cash dividends to net income (ytd only)* | 15.2668% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 3,361 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.6794% | 2,806 |
| Net loans and leases to deposits | 74.9697% | 3,356 |
| Net loans and leases to core deposits | 79.2409% | 3,428 |
| Total domestic deposits to total assets | 90.2756% | 362 |
| Equity capital to assets | 9.1236% | 4,597 |
| Core capital (leverage) ratio | 9.3427% | 4,327 |
| Tier 1 risk-based capital ratio | 12.9268% | 3,912 |
| Total risk-based capital ratio | 14.0725% | 3,866 |
| Memoranda: | ||
| Average total assets | $435,968,000 | 1,613 |
| Average earning assets | $406,766,000 | 1,607 |
| Average equity | $38,864,500 | 1,975 |
| Average total loans | $298,584,500 | 1,646 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 1,362 |
| Cost of funding earning assets | 0.4925% | 3,406 |
| Net interest margin | 4.3795% | 987 |
| Noninterest income to average assets | 0.2857% | 4,190 |
| Noninterest expense to average assets | 2.2178% | 4,297 |
| Loan and lease loss provision to assets | 0.1386% | 1,555 |
| Net operating income to assets | 1.5828% | 917 |
| Return on assets (ROA) | 1.5828% | 909 |
| Pretax return on assets | 1.9581% | 615 |
| Return on Equity (ROE) | 18.4668% | 348 |
| Retained earnings to average equity (ytd only) | 17.9902% | 55 |
| Net charge-offs to loans | 0.0726% | 2,081 |
| Credit loss provision to net charge-offs | 278.6070% | 1,088 |
| Earnings coverage of net charge-offs (x) | 42.1343% | 1,266 |
| Efficiency ratio | 51.4030% | 4,852 |
| Assets per employee ($millions) | 7.7657% | 717 |
| Cash dividends to net income (ytd only)* | 2.5809% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,745 |
| Loan loss allowance to noncurrent loans | 346,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,305 |
| Noncurrent loans to loans | 0.0003% | 4,835 |
| Net loans and leases to total assets | 67.6863% | 2,922 |
| Net loans and leases to deposits | 74.5386% | 3,457 |
| Net loans and leases to core deposits | 79.1841% | 3,485 |
| Total domestic deposits to total assets | 90.8071% | 249 |
| Equity capital to assets | 8.7045% | 4,796 |
| Core capital (leverage) ratio | 9.1689% | 4,488 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,200 |
| Total risk-based capital ratio | 13.4877% | 4,162 |
| Memoranda: | ||
| Average total assets | $403,908,800 | 1,699 |
| Average earning assets | $371,570,800 | 1,716 |
| Average equity | $34,618,800 | 2,089 |
| Average total loans | $276,727,000 | 1,687 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,360 |
| Cost of funding earning assets | 0.4738% | 3,367 |
| Net interest margin | 4.3519% | 1,004 |
| Noninterest income to average assets | 0.2915% | 4,207 |
| Noninterest expense to average assets | 2.2440% | 4,227 |
| Loan and lease loss provision to assets | 0.1484% | 1,340 |
| Net operating income to assets | 1.4860% | 1,233 |
| Return on assets (ROA) | 1.4860% | 1,231 |
| Pretax return on assets | 1.8875% | 838 |
| Return on Equity (ROE) | 17.4286% | 491 |
| Retained earnings to average equity (ytd only) | 16.9944% | 106 |
| Net charge-offs to loans | 0.0973% | 1,523 |
| Credit loss provision to net charge-offs | 222.7273% | 1,282 |
| Earnings coverage of net charge-offs (x) | 30.5509% | 1,589 |
| Efficiency ratio | 52.4300% | 4,764 |
| Assets per employee ($millions) | 7.3502% | 823 |
| Cash dividends to net income (ytd only)* | 2.4915% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,300 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.9648% | 3,073 |
| Net loans and leases to deposits | 73.7922% | 3,611 |
| Net loans and leases to core deposits | 78.5362% | 3,617 |
| Total domestic deposits to total assets | 90.7479% | 279 |
| Equity capital to assets | 8.6778% | 4,813 |
| Core capital (leverage) ratio | 9.1219% | 4,600 |
| Tier 1 risk-based capital ratio | 12.3295% | 4,299 |
| Total risk-based capital ratio | 13.4624% | 4,262 |
| Memoranda: | ||
| Average total assets | $396,130,500 | 1,733 |
| Average earning assets | $363,046,750 | 1,761 |
| Average equity | $33,775,000 | 2,124 |
| Average total loans | $271,452,750 | 1,719 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 1,291 |
| Cost of funding earning assets | 0.4529% | 3,333 |
| Net interest margin | 4.3322% | 975 |
| Noninterest income to average assets | 0.2977% | 4,190 |
| Noninterest expense to average assets | 2.2483% | 4,265 |
| Loan and lease loss provision to assets | 0.1622% | 1,149 |
| Net operating income to assets | 1.4533% | 1,269 |
| Return on assets (ROA) | 1.4533% | 1,268 |
| Pretax return on assets | 1.8462% | 880 |
| Return on Equity (ROE) | 17.1522% | 505 |
| Retained earnings to average equity (ytd only) | 16.4881% | 139 |
| Net charge-offs to loans | 0.1443% | 1,056 |
| Credit loss provision to net charge-offs | 163.4021% | 1,495 |
| Earnings coverage of net charge-offs (x) | 20.2371% | 1,819 |
| Efficiency ratio | 52.8182% | 4,802 |
| Assets per employee ($millions) | 6.8828% | 972 |
| Cash dividends to net income (ytd only)* | 3.8719% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,701 |
| Loan loss allowance to noncurrent loans | 1,016.9811% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 2,964 |
| Noncurrent loans to loans | 0.1182% | 4,375 |
| Net loans and leases to total assets | 67.7628% | 2,901 |
| Net loans and leases to deposits | 74.6747% | 3,471 |
| Net loans and leases to core deposits | 78.8218% | 3,510 |
| Total domestic deposits to total assets | 90.7440% | 313 |
| Equity capital to assets | 8.7355% | 4,770 |
| Core capital (leverage) ratio | 8.9840% | 4,703 |
| Tier 1 risk-based capital ratio | 12.2735% | 4,331 |
| Total risk-based capital ratio | 13.4109% | 4,276 |
| Memoranda: | ||
| Average total assets | $390,969,670 | 1,763 |
| Average earning assets | $357,278,330 | 1,788 |
| Average equity | $33,127,000 | 2,165 |
| Average total loans | $268,940,670 | 1,739 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,368 |
| Cost of funding earning assets | 0.4355% | 3,329 |
| Net interest margin | 4.2382% | 1,083 |
| Noninterest income to average assets | 0.3003% | 4,154 |
| Noninterest expense to average assets | 2.2455% | 4,312 |
| Loan and lease loss provision to assets | 0.2060% | 793 |
| Net operating income to assets | 1.3446% | 1,496 |
| Return on assets (ROA) | 1.3446% | 1,510 |
| Pretax return on assets | 1.7085% | 1,095 |
| Return on Equity (ROE) | 16.1204% | 597 |
| Retained earnings to average equity (ytd only) | 16.1204% | 242 |
| Net charge-offs to loans | 0.3273% | 468 |
| Credit loss provision to net charge-offs | 91.3636% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.4909% | 2,029 |
| Efficiency ratio | 53.9788% | 4,799 |
| Assets per employee ($millions) | 7.2919% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,217 |
| Loan loss allowance to noncurrent loans | 106.1813% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 1,412 |
| Noncurrent loans to loans | 1.0624% | 1,724 |
| Net loans and leases to total assets | 68.8228% | 2,658 |
| Net loans and leases to deposits | 75.4955% | 3,271 |
| Net loans and leases to core deposits | 79.4511% | 3,367 |
| Total domestic deposits to total assets | 91.1614% | 266 |
| Equity capital to assets | 8.3672% | 5,069 |
| Core capital (leverage) ratio | 8.7172% | 4,975 |
| Tier 1 risk-based capital ratio | 11.7004% | 4,741 |
| Total risk-based capital ratio | 12.7796% | 4,739 |
| Memoranda: | ||
| Average total assets | $390,294,500 | 1,780 |
| Average earning assets | $355,438,000 | 1,811 |
| Average equity | $32,555,000 | 2,202 |
| Average total loans | $268,870,500 | 1,748 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,388 |
| Cost of funding earning assets | 0.3644% | 3,571 |
| Net interest margin | 4.2497% | 1,084 |
| Noninterest income to average assets | 0.4892% | 3,065 |
| Noninterest expense to average assets | 2.3013% | 4,324 |
| Loan and lease loss provision to assets | 0.2835% | 622 |
| Net operating income to assets | 1.1390% | 1,718 |
| Return on assets (ROA) | 1.1390% | 1,755 |
| Pretax return on assets | 1.7213% | 959 |
| Return on Equity (ROE) | 12.6277% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.1755% | 698 |
| Net charge-offs to loans | 0.2111% | 1,233 |
| Credit loss provision to net charge-offs | 188.2798% | 1,446 |
| Earnings coverage of net charge-offs (x) | 13.3157% | 2,406 |
| Efficiency ratio | 53.4435% | 4,992 |
| Assets per employee ($millions) | 6.9056% | 1,010 |
| Cash dividends to net income (ytd only)* | 35.2574% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,900 |
| Loan loss allowance to noncurrent loans | 67.1922% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 855 |
| Noncurrent loans to loans | 1.7561% | 915 |
| Net loans and leases to total assets | 67.3728% | 2,904 |
| Net loans and leases to deposits | 74.0448% | 3,521 |
| Net loans and leases to core deposits | 77.9041% | 3,594 |
| Total domestic deposits to total assets | 90.9892% | 240 |
| Equity capital to assets | 8.3860% | 5,195 |
| Core capital (leverage) ratio | 8.6890% | 4,962 |
| Tier 1 risk-based capital ratio | 11.6107% | 4,784 |
| Total risk-based capital ratio | 12.7215% | 4,764 |
| Memoranda: | ||
| Average total assets | $351,365,600 | 1,910 |
| Average earning assets | $315,575,400 | 1,959 |
| Average equity | $31,692,200 | 2,240 |
| Average total loans | $250,548,000 | 1,810 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,371 |
| Cost of funding earning assets | 0.3396% | 3,776 |
| Net interest margin | 4.2588% | 1,031 |
| Noninterest income to average assets | 0.5675% | 2,634 |
| Noninterest expense to average assets | 2.3795% | 4,071 |
| Loan and lease loss provision to assets | 0.2931% | 538 |
| Net operating income to assets | 1.2530% | 1,499 |
| Return on assets (ROA) | 1.2530% | 1,524 |
| Pretax return on assets | 1.7263% | 1,057 |
| Return on Equity (ROE) | 13.6217% | 905 |
| Retained earnings to average equity (ytd only) | 12.0983% | 288 |
| Net charge-offs to loans | 0.2297% | 942 |
| Credit loss provision to net charge-offs | 176.7606% | 1,494 |
| Earnings coverage of net charge-offs (x) | 12.1783% | 2,444 |
| Efficiency ratio | 54.0926% | 4,929 |
| Assets per employee ($millions) | 6.7556% | 1,047 |
| Cash dividends to net income (ytd only)* | 11.1837% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,926 |
| Loan loss allowance to noncurrent loans | 113.3969% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0271% | 1,645 |
| Noncurrent loans to loans | 1.0592% | 1,823 |
| Net loans and leases to total assets | 66.9936% | 2,980 |
| Net loans and leases to deposits | 74.1941% | 3,540 |
| Net loans and leases to core deposits | 77.9589% | 3,635 |
| Total domestic deposits to total assets | 90.2950% | 379 |
| Equity capital to assets | 9.1299% | 4,799 |
| Core capital (leverage) ratio | 9.7752% | 3,850 |
| Tier 1 risk-based capital ratio | 12.7283% | 4,190 |
| Total risk-based capital ratio | 13.8828% | 4,141 |
| Memoranda: | ||
| Average total assets | $342,528,500 | 1,966 |
| Average earning assets | $308,153,250 | 2,011 |
| Average equity | $31,507,750 | 2,264 |
| Average total loans | $247,272,250 | 1,840 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,097 |
| Cost of funding earning assets | 0.3402% | 3,687 |
| Net interest margin | 4.3383% | 782 |
| Noninterest income to average assets | 0.3300% | 4,182 |
| Noninterest expense to average assets | 2.3569% | 4,192 |
| Loan and lease loss provision to assets | 0.1528% | 1,315 |
| Net operating income to assets | 1.1459% | 1,798 |
| Return on assets (ROA) | 1.1459% | 1,849 |
| Pretax return on assets | 1.6872% | 1,085 |
| Return on Equity (ROE) | 12.4238% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.8709% | 458 |
| Net charge-offs to loans | 0.0032% | 3,378 |
| Credit loss provision to net charge-offs | 6,400.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 770.7500% | 97 |
| Efficiency ratio | 56.1576% | 4,811 |
| Assets per employee ($millions) | 6.7027% | 1,052 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,285 |
| Loan loss allowance to noncurrent loans | 95.2945% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 1,454 |
| Noncurrent loans to loans | 1.2121% | 1,608 |
| Net loans and leases to total assets | 69.7625% | 2,556 |
| Net loans and leases to deposits | 77.0308% | 3,212 |
| Net loans and leases to core deposits | 80.7666% | 3,363 |
| Total domestic deposits to total assets | 90.5644% | 333 |
| Equity capital to assets | 8.9590% | 4,941 |
| Core capital (leverage) ratio | 9.5446% | 4,073 |
| Tier 1 risk-based capital ratio | 12.2101% | 4,484 |
| Total risk-based capital ratio | 13.3304% | 4,454 |
| Memoranda: | ||
| Average total assets | $335,104,000 | 2,000 |
| Average earning assets | $298,689,330 | 2,063 |
| Average equity | $30,908,330 | 2,304 |
| Average total loans | $247,241,330 | 1,842 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,121 |
| Cost of funding earning assets | 0.3374% | 3,668 |
| Net interest margin | 4.2710% | 847 |
| Noninterest income to average assets | 0.3409% | 4,116 |
| Noninterest expense to average assets | 2.4120% | 4,083 |
| Loan and lease loss provision to assets | 0.1698% | 1,043 |
| Net operating income to assets | 1.1346% | 1,731 |
| Return on assets (ROA) | 1.1346% | 1,766 |
| Pretax return on assets | 1.6687% | 1,072 |
| Return on Equity (ROE) | 12.1119% | 1,205 |
| Retained earnings to average equity (ytd only) | 10.5355% | 692 |
| Net charge-offs to loans | 0.0033% | 2,859 |
| Credit loss provision to net charge-offs | 6,900.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 747.0000% | 65 |
| Efficiency ratio | 56.7458% | 4,862 |
| Assets per employee ($millions) | 6.5929% | 1,139 |
| Cash dividends to net income (ytd only)* | 13.0152% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,697 |
| Loan loss allowance to noncurrent loans | 48.6184% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.0765% | 629 |
| Noncurrent loans to loans | 2.2719% | 734 |
| Net loans and leases to total assets | 75.5080% | 1,501 |
| Net loans and leases to deposits | 85.6422% | 2,073 |
| Net loans and leases to core deposits | 89.9036% | 2,355 |
| Total domestic deposits to total assets | 88.1669% | 1,612 |
| Equity capital to assets | 9.3601% | 4,433 |
| Core capital (leverage) ratio | 9.6401% | 3,942 |
| Tier 1 risk-based capital ratio | 12.1270% | 4,635 |
| Total risk-based capital ratio | 13.2252% | 4,635 |
| Memoranda: | ||
| Average total assets | $325,035,500 | 2,065 |
| Average earning assets | $297,544,000 | 2,084 |
| Average equity | $30,449,500 | 2,345 |
| Average total loans | $245,501,500 | 1,862 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 1,882 |
| Cost of funding earning assets | 0.2410% | 4,647 |
| Net interest margin | 4.1390% | 1,278 |
| Noninterest income to average assets | 0.2969% | 4,618 |
| Noninterest expense to average assets | 2.3626% | 4,394 |
| Loan and lease loss provision to assets | 0.3853% | 415 |
| Net operating income to assets | 0.9373% | 2,643 |
| Return on assets (ROA) | 0.9914% | 2,491 |
| Pretax return on assets | 1.4643% | 1,699 |
| Return on Equity (ROE) | 10.6315% | 1,715 |
| Retained earnings to average equity (ytd only) | 6.3199% | 1,555 |
| Net charge-offs to loans | 0.0031% | 4,156 |
| Credit loss provision to net charge-offs | 17,428.5714% | 23 |
| Earnings coverage of net charge-offs (x) | 800.5714% | 94 |
| Efficiency ratio | 57.1691% | 4,936 |
| Assets per employee ($millions) | 5.8228% | 1,601 |
| Cash dividends to net income (ytd only)* | 40.5543% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,491 |
| Loan loss allowance to noncurrent loans | 155.8934% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 2,032 |
| Noncurrent loans to loans | 0.9973% | 2,097 |
| Net loans and leases to total assets | 74.0072% | 1,850 |
| Net loans and leases to deposits | 81.9858% | 2,672 |
| Net loans and leases to core deposits | 85.7667% | 2,871 |
| Total domestic deposits to total assets | 90.2683% | 527 |
| Equity capital to assets | 9.3195% | 4,453 |
| Core capital (leverage) ratio | 9.6614% | 3,898 |
| Tier 1 risk-based capital ratio | 11.9124% | 4,787 |
| Total risk-based capital ratio | 13.1654% | 4,670 |
| Memoranda: | ||
| Average total assets | $316,607,000 | 2,080 |
| Average earning assets | $293,407,200 | 2,081 |
| Average equity | $29,525,600 | 2,395 |
| Average total loans | $223,235,200 | 1,956 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,112 |
| Cost of funding earning assets | 0.2391% | 4,714 |
| Net interest margin | 4.0780% | 1,452 |
| Noninterest income to average assets | 0.2788% | 4,776 |
| Noninterest expense to average assets | 2.3615% | 4,378 |
| Loan and lease loss provision to assets | 0.1398% | 1,676 |
| Net operating income to assets | 1.0554% | 2,173 |
| Return on assets (ROA) | 1.1267% | 2,004 |
| Pretax return on assets | 1.6742% | 1,188 |
| Return on Equity (ROE) | 12.1137% | 1,285 |
| Retained earnings to average equity (ytd only) | 10.2514% | 526 |
| Net charge-offs to loans | 0.0024% | 3,854 |
| Credit loss provision to net charge-offs | 8,275.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,011.1069% | 78 |
| Efficiency ratio | 58.0357% | 4,804 |
| Assets per employee ($millions) | 5.8930% | 1,518 |
| Cash dividends to net income (ytd only)* | 15.3730% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,933 |
| Loan loss allowance to noncurrent loans | 285,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,998 |
| Noncurrent loans to loans | 0.0004% | 5,427 |
| Net loans and leases to total assets | 73.4474% | 1,957 |
| Net loans and leases to deposits | 81.9903% | 2,734 |
| Net loans and leases to core deposits | 84.8159% | 3,052 |
| Total domestic deposits to total assets | 89.5806% | 638 |
| Equity capital to assets | 9.9423% | 4,183 |
| Core capital (leverage) ratio | 9.7604% | 3,860 |
| Tier 1 risk-based capital ratio | 12.6327% | 4,381 |
| Total risk-based capital ratio | 13.8312% | 4,330 |
| Memoranda: | ||
| Average total assets | $315,604,250 | 2,090 |
| Average earning assets | $293,339,250 | 2,090 |
| Average equity | $29,354,500 | 2,421 |
| Average total loans | $218,855,500 | 1,989 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,429 |
| Cost of funding earning assets | 0.2349% | 4,804 |
| Net interest margin | 3.9905% | 1,672 |
| Noninterest income to average assets | 0.3634% | 4,159 |
| Noninterest expense to average assets | 2.3028% | 4,605 |
| Loan and lease loss provision to assets | 0.1531% | 1,493 |
| Net operating income to assets | 1.1065% | 1,935 |
| Return on assets (ROA) | 1.1065% | 2,060 |
| Pretax return on assets | 1.6293% | 1,280 |
| Return on Equity (ROE) | 12.1655% | 1,255 |
| Retained earnings to average equity (ytd only) | 10.1643% | 562 |
| Net charge-offs to loans | 0.0028% | 3,608 |
| Credit loss provision to net charge-offs | 8,133.3333% | 43 |
| Earnings coverage of net charge-offs (x) | 946.6667% | 50 |
| Efficiency ratio | 56.3681% | 5,109 |
| Assets per employee ($millions) | 6.1554% | 1,298 |
| Cash dividends to net income (ytd only)* | 16.4492% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 3,057 |
| Loan loss allowance to noncurrent loans | 277,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 3,262 |
| Noncurrent loans to loans | 0.0005% | 5,518 |
| Net loans and leases to total assets | 68.3043% | 2,742 |
| Net loans and leases to deposits | 80.6746% | 2,855 |
| Net loans and leases to core deposits | 83.9080% | 3,091 |
| Total domestic deposits to total assets | 84.6664% | 3,017 |
| Equity capital to assets | 9.3223% | 4,952 |
| Core capital (leverage) ratio | 9.2186% | 4,564 |
| Tier 1 risk-based capital ratio | 12.5945% | 4,451 |
| Total risk-based capital ratio | 13.7838% | 4,411 |
| Memoranda: | ||
| Average total assets | $318,660,000 | 2,082 |
| Average earning assets | $297,205,330 | 2,071 |
| Average equity | $28,983,670 | 2,453 |
| Average total loans | $215,831,670 | 2,010 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,663 |
| Cost of funding earning assets | 0.2235% | 4,966 |
| Net interest margin | 3.9226% | 1,874 |
| Noninterest income to average assets | 0.3699% | 4,078 |
| Noninterest expense to average assets | 2.3425% | 4,540 |
| Loan and lease loss provision to assets | 0.1573% | 1,330 |
| Net operating income to assets | 1.0404% | 2,119 |
| Return on assets (ROA) | 1.0404% | 2,237 |
| Pretax return on assets | 1.5348% | 1,488 |
| Return on Equity (ROE) | 11.5843% | 1,430 |
| Retained earnings to average equity (ytd only) | 9.9033% | 865 |
| Net charge-offs to loans | 0.0075% | 2,866 |
| Credit loss provision to net charge-offs | 3,125.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 336.2500% | 177 |
| Efficiency ratio | 58.0605% | 4,991 |
| Assets per employee ($millions) | 5.8477% | 1,535 |
| Cash dividends to net income (ytd only)* | 14.5103% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,416 |
| Loan loss allowance to noncurrent loans | 132,600.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 3,310 |
| Noncurrent loans to loans | 0.0009% | 5,538 |
| Net loans and leases to total assets | 67.2716% | 2,766 |
| Net loans and leases to deposits | 77.2314% | 3,085 |
| Net loans and leases to core deposits | 79.9007% | 3,330 |
| Total domestic deposits to total assets | 87.1040% | 2,158 |
| Equity capital to assets | 9.0185% | 5,154 |
| Core capital (leverage) ratio | 9.0972% | 4,738 |
| Tier 1 risk-based capital ratio | 12.3407% | 4,699 |
| Total risk-based capital ratio | 13.4869% | 4,663 |
| Memoranda: | ||
| Average total assets | $317,949,500 | 2,098 |
| Average earning assets | $297,047,500 | 2,075 |
| Average equity | $28,556,000 | 2,475 |
| Average total loans | $213,047,000 | 2,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,169 |
| Cost of funding earning assets | 0.1546% | 5,655 |
| Net interest margin | 3.6032% | 3,125 |
| Noninterest income to average assets | 0.3697% | 4,267 |
| Noninterest expense to average assets | 2.2705% | 4,873 |
| Loan and lease loss provision to assets | 0.0692% | 2,903 |
| Net operating income to assets | 0.9713% | 2,516 |
| Return on assets (ROA) | 0.9713% | 2,589 |
| Pretax return on assets | 1.4326% | 1,779 |
| Return on Equity (ROE) | 11.3159% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.6458% | 1,046 |
| Net charge-offs to loans | 0.0163% | 3,959 |
| Credit loss provision to net charge-offs | 706.4516% | 470 |
| Earnings coverage of net charge-offs (x) | 153.3226% | 416 |
| Efficiency ratio | 60.1893% | 4,884 |
| Assets per employee ($millions) | 5.8127% | 1,524 |
| Cash dividends to net income (ytd only)* | 32.4333% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 3,350 |
| Loan loss allowance to noncurrent loans | 84,333.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 3,243 |
| Noncurrent loans to loans | 0.0014% | 5,571 |
| Net loans and leases to total assets | 65.1806% | 3,098 |
| Net loans and leases to deposits | 71.8749% | 3,730 |
| Net loans and leases to core deposits | 73.5797% | 3,983 |
| Total domestic deposits to total assets | 90.6861% | 383 |
| Equity capital to assets | 8.9504% | 5,174 |
| Core capital (leverage) ratio | 9.0050% | 4,877 |
| Tier 1 risk-based capital ratio | 12.6268% | 4,556 |
| Total risk-based capital ratio | 13.7792% | 4,512 |
| Memoranda: | ||
| Average total assets | $316,495,800 | 2,063 |
| Average earning assets | $298,871,400 | 2,022 |
| Average equity | $27,165,400 | 2,531 |
| Average total loans | $190,424,000 | 2,155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 4,514 |
| Cost of funding earning assets | 0.1502% | 5,775 |
| Net interest margin | 3.5223% | 3,456 |
| Noninterest income to average assets | 0.3653% | 4,319 |
| Noninterest expense to average assets | 2.2449% | 4,924 |
| Loan and lease loss provision to assets | 0.0933% | 2,298 |
| Net operating income to assets | 0.9224% | 2,844 |
| Return on assets (ROA) | 0.9224% | 2,938 |
| Pretax return on assets | 1.3592% | 2,181 |
| Return on Equity (ROE) | 10.8611% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.1780% | 842 |
| Net charge-offs to loans | 0.0208% | 3,521 |
| Credit loss provision to net charge-offs | 765.5172% | 455 |
| Earnings coverage of net charge-offs (x) | 119.1246% | 538 |
| Efficiency ratio | 60.7163% | 4,787 |
| Assets per employee ($millions) | 5.8220% | 1,494 |
| Cash dividends to net income (ytd only)* | 15.4967% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 3,310 |
| Loan loss allowance to noncurrent loans | 50,720.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 3,318 |
| Noncurrent loans to loans | 0.0025% | 5,660 |
| Net loans and leases to total assets | 63.2335% | 3,413 |
| Net loans and leases to deposits | 71.4286% | 3,831 |
| Net loans and leases to core deposits | 73.2461% | 4,082 |
| Total domestic deposits to total assets | 88.5269% | 1,289 |
| Equity capital to assets | 8.9180% | 5,380 |
| Core capital (leverage) ratio | 8.8827% | 5,138 |
| Tier 1 risk-based capital ratio | 12.9732% | 4,437 |
| Total risk-based capital ratio | 14.1681% | 4,395 |
| Memoranda: | ||
| Average total assets | $317,148,500 | 2,075 |
| Average earning assets | $300,027,250 | 2,034 |
| Average equity | $26,933,250 | 2,565 |
| Average total loans | $186,249,500 | 2,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 4,931 |
| Cost of funding earning assets | 0.1448% | 5,891 |
| Net interest margin | 3.3747% | 3,987 |
| Noninterest income to average assets | 0.3540% | 4,426 |
| Noninterest expense to average assets | 2.2178% | 5,061 |
| Loan and lease loss provision to assets | 0.0918% | 2,282 |
| Net operating income to assets | 0.8438% | 3,150 |
| Return on assets (ROA) | 0.8438% | 3,260 |
| Pretax return on assets | 1.2400% | 2,601 |
| Return on Equity (ROE) | 10.1034% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.4095% | 1,116 |
| Net charge-offs to loans | 0.0232% | 3,203 |
| Credit loss provision to net charge-offs | 695.2381% | 486 |
| Earnings coverage of net charge-offs (x) | 100.8571% | 594 |
| Efficiency ratio | 62.4801% | 4,599 |
| Assets per employee ($millions) | 5.8317% | 1,473 |
| Cash dividends to net income (ytd only)* | 16.7660% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 3,445 |
| Loan loss allowance to noncurrent loans | 94.7025% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 2,870 |
| Noncurrent loans to loans | 1.3326% | 2,016 |
| Net loans and leases to total assets | 62.4501% | 3,485 |
| Net loans and leases to deposits | 70.6950% | 3,853 |
| Net loans and leases to core deposits | 70.8429% | 4,240 |
| Total domestic deposits to total assets | 88.3373% | 1,475 |
| Equity capital to assets | 8.7832% | 5,448 |
| Core capital (leverage) ratio | 8.5732% | 5,469 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,518 |
| Total risk-based capital ratio | 14.2047% | 4,456 |
| Memoranda: | ||
| Average total assets | $318,069,000 | 2,086 |
| Average earning assets | $301,186,000 | 2,039 |
| Average equity | $26,565,330 | 2,606 |
| Average total loans | $181,221,330 | 2,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3964% | 5,213 |
| Cost of funding earning assets | 0.1373% | 6,013 |
| Net interest margin | 3.2591% | 4,386 |
| Noninterest income to average assets | 0.3522% | 4,381 |
| Noninterest expense to average assets | 2.1813% | 5,200 |
| Loan and lease loss provision to assets | 0.0856% | 2,266 |
| Net operating income to assets | 0.8011% | 3,252 |
| Return on assets (ROA) | 0.8011% | 3,382 |
| Pretax return on assets | 1.1756% | 2,756 |
| Return on Equity (ROE) | 9.8346% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.0839% | 1,538 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3646% | 4,578 |
| Assets per employee ($millions) | 6.0450% | 1,374 |
| Cash dividends to net income (ytd only)* | 17.8019% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 2,949 |
| Loan loss allowance to noncurrent loans | 72.8563% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 2,504 |
| Noncurrent loans to loans | 1.9115% | 1,403 |
| Net loans and leases to total assets | 52.3389% | 4,631 |
| Net loans and leases to deposits | 57.1724% | 4,973 |
| Net loans and leases to core deposits | 57.4000% | 5,161 |
| Total domestic deposits to total assets | 91.5458% | 221 |
| Equity capital to assets | 8.1485% | 5,968 |
| Core capital (leverage) ratio | 8.2523% | 5,774 |
| Tier 1 risk-based capital ratio | 14.0201% | 3,997 |
| Total risk-based capital ratio | 15.2705% | 3,922 |
| Memoranda: | ||
| Average total assets | $322,564,000 | 2,067 |
| Average earning assets | $305,856,000 | 2,015 |
| Average equity | $26,274,500 | 2,654 |
| Average total loans | $174,088,500 | 2,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 5,166 |
| Cost of funding earning assets | 0.1487% | 6,111 |
| Net interest margin | 3.4220% | 4,098 |
| Noninterest income to average assets | 0.4326% | 3,950 |
| Noninterest expense to average assets | 2.1175% | 5,530 |
| Loan and lease loss provision to assets | 0.1379% | 1,911 |
| Net operating income to assets | 0.9371% | 2,689 |
| Return on assets (ROA) | 0.9371% | 2,781 |
| Pretax return on assets | 1.3826% | 1,945 |
| Return on Equity (ROE) | 11.4968% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.7561% | 554 |
| Net charge-offs to loans | 0.0044% | 4,864 |
| Credit loss provision to net charge-offs | 5,971.4286% | 48 |
| Earnings coverage of net charge-offs (x) | 658.2857% | 76 |
| Efficiency ratio | 58.2041% | 5,435 |
| Assets per employee ($millions) | 6.1286% | 1,295 |
| Cash dividends to net income (ytd only)* | 15.1408% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 3,236 |
| Loan loss allowance to noncurrent loans | 59.9693% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 2,219 |
| Noncurrent loans to loans | 2.2337% | 1,182 |
| Net loans and leases to total assets | 54.1510% | 4,561 |
| Net loans and leases to deposits | 59.0914% | 4,978 |
| Net loans and leases to core deposits | 59.3848% | 5,183 |
| Total domestic deposits to total assets | 91.6394% | 200 |
| Equity capital to assets | 8.1435% | 5,991 |
| Core capital (leverage) ratio | 8.1421% | 5,899 |
| Tier 1 risk-based capital ratio | 14.6361% | 3,705 |
| Total risk-based capital ratio | 15.8874% | 3,628 |
| Memoranda: | ||
| Average total assets | $303,051,400 | 2,147 |
| Average earning assets | $283,870,200 | 2,096 |
| Average equity | $24,702,600 | 2,694 |
| Average total loans | $159,056,400 | 2,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 5,152 |
| Cost of funding earning assets | 0.1488% | 6,191 |
| Net interest margin | 3.4464% | 4,032 |
| Noninterest income to average assets | 0.4256% | 4,059 |
| Noninterest expense to average assets | 2.0930% | 5,585 |
| Loan and lease loss provision to assets | 0.1404% | 1,782 |
| Net operating income to assets | 0.9551% | 2,660 |
| Return on assets (ROA) | 0.9551% | 2,740 |
| Pretax return on assets | 1.4124% | 1,958 |
| Return on Equity (ROE) | 11.7148% | 1,553 |
| Retained earnings to average equity (ytd only) | 9.9108% | 738 |
| Net charge-offs to loans | -0.0026% | 5,208 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4083% | 5,522 |
| Assets per employee ($millions) | 5.8756% | 1,429 |
| Cash dividends to net income (ytd only)* | 15.3990% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 3,388 |
| Loan loss allowance to noncurrent loans | 20,454.5455% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,132 |
| Noncurrent loans to loans | 0.0066% | 6,016 |
| Net loans and leases to total assets | 53.7121% | 4,610 |
| Net loans and leases to deposits | 58.7095% | 5,045 |
| Net loans and leases to core deposits | 59.0775% | 5,259 |
| Total domestic deposits to total assets | 91.4879% | 236 |
| Equity capital to assets | 8.3017% | 5,939 |
| Core capital (leverage) ratio | 8.1994% | 5,933 |
| Tier 1 risk-based capital ratio | 15.4109% | 3,367 |
| Total risk-based capital ratio | 16.6626% | 3,298 |
| Memoranda: | ||
| Average total assets | $299,143,000 | 2,181 |
| Average earning assets | $279,508,250 | 2,144 |
| Average equity | $24,390,250 | 2,726 |
| Average total loans | $155,092,000 | 2,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 5,348 |
| Cost of funding earning assets | 0.1429% | 6,309 |
| Net interest margin | 3.3857% | 4,236 |
| Noninterest income to average assets | 0.4424% | 3,922 |
| Noninterest expense to average assets | 2.0868% | 5,652 |
| Loan and lease loss provision to assets | 0.1461% | 1,689 |
| Net operating income to assets | 0.9252% | 2,678 |
| Return on assets (ROA) | 0.9252% | 2,783 |
| Pretax return on assets | 1.3690% | 2,007 |
| Return on Equity (ROE) | 11.4188% | 1,592 |
| Retained earnings to average equity (ytd only) | 9.6735% | 802 |
| Net charge-offs to loans | -0.0132% | 5,403 |
| Credit loss provision to net charge-offs | -2,170.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9361% | 5,561 |
| Assets per employee ($millions) | 5.6657% | 1,555 |
| Cash dividends to net income (ytd only)* | 15.2838% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 3,880 |
| Loan loss allowance to noncurrent loans | 16,607.6923% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 5,183 |
| Noncurrent loans to loans | 0.0078% | 6,071 |
| Net loans and leases to total assets | 55.8989% | 4,300 |
| Net loans and leases to deposits | 61.1258% | 4,772 |
| Net loans and leases to core deposits | 61.5811% | 5,003 |
| Total domestic deposits to total assets | 91.4489% | 275 |
| Equity capital to assets | 8.3740% | 5,897 |
| Core capital (leverage) ratio | 8.3678% | 5,779 |
| Tier 1 risk-based capital ratio | 14.8644% | 3,711 |
| Total risk-based capital ratio | 16.1149% | 3,654 |
| Memoranda: | ||
| Average total assets | $297,014,330 | 2,190 |
| Average earning assets | $277,168,670 | 2,162 |
| Average equity | $24,065,670 | 2,749 |
| Average total loans | $151,337,330 | 2,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 5,887 |
| Cost of funding earning assets | 0.1337% | 6,431 |
| Net interest margin | 3.1444% | 5,104 |
| Noninterest income to average assets | 0.4574% | 3,729 |
| Noninterest expense to average assets | 2.1247% | 5,628 |
| Loan and lease loss provision to assets | 0.1140% | 2,051 |
| Net operating income to assets | 0.7793% | 3,255 |
| Return on assets (ROA) | 0.7793% | 3,337 |
| Pretax return on assets | 1.1522% | 2,688 |
| Return on Equity (ROE) | 9.7799% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.0966% | 1,561 |
| Net charge-offs to loans | -0.0446% | 5,758 |
| Credit loss provision to net charge-offs | -531.2500% | 5,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6582% | 5,040 |
| Assets per employee ($millions) | 5.6585% | 1,570 |
| Cash dividends to net income (ytd only)* | 17.2117% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,951 |
| Loan loss allowance to noncurrent loans | 13,553.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 5,276 |
| Noncurrent loans to loans | 0.0098% | 6,145 |
| Net loans and leases to total assets | 50.2679% | 4,882 |
| Net loans and leases to deposits | 55.0173% | 5,196 |
| Net loans and leases to core deposits | 55.4720% | 5,394 |
| Total domestic deposits to total assets | 91.3674% | 428 |
| Equity capital to assets | 8.0000% | 6,060 |
| Core capital (leverage) ratio | 8.1078% | 6,033 |
| Tier 1 risk-based capital ratio | 15.3231% | 3,541 |
| Total risk-based capital ratio | 16.5736% | 3,493 |
| Memoranda: | ||
| Average total assets | $298,213,500 | 2,186 |
| Average earning assets | $278,212,500 | 2,162 |
| Average equity | $23,763,000 | 2,776 |
| Average total loans | $143,583,000 | 2,685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 6,402 |
| Cost of funding earning assets | 0.1727% | 6,426 |
| Net interest margin | 2.7553% | 6,055 |
| Noninterest income to average assets | 0.4012% | 4,435 |
| Noninterest expense to average assets | 1.9347% | 6,133 |
| Loan and lease loss provision to assets | 0.1113% | 2,948 |
| Net operating income to assets | 0.6462% | 4,047 |
| Return on assets (ROA) | 0.6462% | 4,158 |
| Pretax return on assets | 0.9837% | 3,422 |
| Return on Equity (ROE) | 8.6045% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.3622% | 1,765 |
| Net charge-offs to loans | 0.1172% | 3,641 |
| Credit loss provision to net charge-offs | 229.2517% | 997 |
| Earnings coverage of net charge-offs (x) | 22.5578% | 1,446 |
| Efficiency ratio | 63.8583% | 4,924 |
| Assets per employee ($millions) | 5.5949% | 1,569 |
| Cash dividends to net income (ytd only)* | 26.0603% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 3,478 |
| Loan loss allowance to noncurrent loans | 6,037.5000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 5,354 |
| Noncurrent loans to loans | 0.0238% | 6,191 |
| Net loans and leases to total assets | 44.6663% | 5,613 |
| Net loans and leases to deposits | 48.5812% | 5,859 |
| Net loans and leases to core deposits | 48.9841% | 5,988 |
| Total domestic deposits to total assets | 91.9414% | 293 |
| Equity capital to assets | 7.9365% | 6,066 |
| Core capital (leverage) ratio | 7.7706% | 6,262 |
| Tier 1 risk-based capital ratio | 16.5604% | 2,820 |
| Total risk-based capital ratio | 17.8113% | 2,790 |
| Memoranda: | ||
| Average total assets | $302,840,800 | 2,128 |
| Average earning assets | $288,900,400 | 2,053 |
| Average equity | $22,743,800 | 2,853 |
| Average total loans | $125,478,800 | 2,927 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8701% | 6,515 |
| Cost of funding earning assets | 0.1806% | 6,498 |
| Net interest margin | 2.6895% | 6,195 |
| Noninterest income to average assets | 0.4095% | 4,457 |
| Noninterest expense to average assets | 1.9398% | 6,118 |
| Loan and lease loss provision to assets | 0.0797% | 3,465 |
| Net operating income to assets | 0.6329% | 4,201 |
| Return on assets (ROA) | 0.6329% | 4,326 |
| Pretax return on assets | 0.9666% | 3,625 |
| Return on Equity (ROE) | 8.5452% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.7126% | 2,585 |
| Net charge-offs to loans | 0.1222% | 3,319 |
| Credit loss provision to net charge-offs | 161.0619% | 1,466 |
| Earnings coverage of net charge-offs (x) | 21.1420% | 1,559 |
| Efficiency ratio | 64.9604% | 4,655 |
| Assets per employee ($millions) | 5.7137% | 1,441 |
| Cash dividends to net income (ytd only)* | 33.1487% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,597 |
| Loan loss allowance to noncurrent loans | 1,485.2459% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 5,437 |
| Noncurrent loans to loans | 0.0989% | 6,039 |
| Net loans and leases to total assets | 40.1304% | 6,022 |
| Net loans and leases to deposits | 43.4932% | 6,233 |
| Net loans and leases to core deposits | 44.5387% | 6,276 |
| Total domestic deposits to total assets | 92.2682% | 210 |
| Equity capital to assets | 7.5980% | 6,356 |
| Core capital (leverage) ratio | 7.4499% | 6,470 |
| Tier 1 risk-based capital ratio | 19.1630% | 1,934 |
| Total risk-based capital ratio | 20.4159% | 1,906 |
| Memoranda: | ||
| Average total assets | $304,419,000 | 2,126 |
| Average earning assets | $291,645,500 | 2,038 |
| Average equity | $22,546,250 | 2,898 |
| Average total loans | $123,253,500 | 2,991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8536% | 6,576 |
| Cost of funding earning assets | 0.1942% | 6,503 |
| Net interest margin | 2.6594% | 6,242 |
| Noninterest income to average assets | 0.4106% | 4,444 |
| Noninterest expense to average assets | 1.9341% | 6,168 |
| Loan and lease loss provision to assets | 0.1194% | 2,830 |
| Net operating income to assets | 0.5935% | 4,321 |
| Return on assets (ROA) | 0.5935% | 4,505 |
| Pretax return on assets | 0.9077% | 3,873 |
| Return on Equity (ROE) | 8.0832% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.4126% | 2,798 |
| Net charge-offs to loans | 0.1948% | 2,592 |
| Credit loss provision to net charge-offs | 151.6667% | 1,521 |
| Earnings coverage of net charge-offs (x) | 13.0500% | 1,928 |
| Efficiency ratio | 65.3156% | 4,666 |
| Assets per employee ($millions) | 5.7534% | 1,378 |
| Cash dividends to net income (ytd only)* | 33.0387% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,825 |
| Loan loss allowance to noncurrent loans | 5,640.6250% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,596 |
| Noncurrent loans to loans | 0.0256% | 6,337 |
| Net loans and leases to total assets | 40.3277% | 6,020 |
| Net loans and leases to deposits | 43.6225% | 6,248 |
| Net loans and leases to core deposits | 44.6207% | 6,304 |
| Total domestic deposits to total assets | 92.4471% | 192 |
| Equity capital to assets | 7.4385% | 6,466 |
| Core capital (leverage) ratio | 7.4379% | 6,481 |
| Tier 1 risk-based capital ratio | 18.4105% | 2,175 |
| Total risk-based capital ratio | 19.6634% | 2,135 |
| Memoranda: | ||
| Average total assets | $304,949,330 | 2,130 |
| Average earning assets | $292,468,330 | 2,032 |
| Average equity | $22,392,000 | 2,938 |
| Average total loans | $123,225,330 | 3,001 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 6,656 |
| Cost of funding earning assets | 0.2106% | 6,525 |
| Net interest margin | 2.6300% | 6,331 |
| Noninterest income to average assets | 0.4066% | 4,408 |
| Noninterest expense to average assets | 1.7996% | 6,438 |
| Loan and lease loss provision to assets | 0.1233% | 2,687 |
| Net operating income to assets | 0.6571% | 3,916 |
| Return on assets (ROA) | 0.6571% | 4,078 |
| Pretax return on assets | 1.0060% | 3,320 |
| Return on Equity (ROE) | 9.0080% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.5198% | 2,949 |
| Net charge-offs to loans | 0.1927% | 2,257 |
| Credit loss provision to net charge-offs | 159.3220% | 1,303 |
| Earnings coverage of net charge-offs (x) | 14.5932% | 1,447 |
| Efficiency ratio | 61.4420% | 5,384 |
| Assets per employee ($millions) | 5.6791% | 1,508 |
| Cash dividends to net income (ytd only)* | 38.7226% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 3,954 |
| Loan loss allowance to noncurrent loans | 2,339.4737% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 5,663 |
| Noncurrent loans to loans | 0.0626% | 6,292 |
| Net loans and leases to total assets | 39.0172% | 6,083 |
| Net loans and leases to deposits | 42.1737% | 6,307 |
| Net loans and leases to core deposits | 43.1729% | 6,357 |
| Total domestic deposits to total assets | 92.5154% | 174 |
| Equity capital to assets | 7.3026% | 6,644 |
| Core capital (leverage) ratio | 7.5231% | 6,459 |
| Tier 1 risk-based capital ratio | 18.0516% | 2,339 |
| Total risk-based capital ratio | 19.3038% | 2,301 |
| Memoranda: | ||
| Average total assets | $304,959,500 | 2,153 |
| Average earning assets | $292,475,500 | 2,062 |
| Average equity | $22,247,000 | 3,000 |
| Average total loans | $122,450,000 | 3,038 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0374% | 6,753 |
| Cost of funding earning assets | 0.3275% | 6,323 |
| Net interest margin | 2.7099% | 6,507 |
| Noninterest income to average assets | 0.4213% | 4,447 |
| Noninterest expense to average assets | 1.8789% | 6,519 |
| Loan and lease loss provision to assets | 0.1239% | 4,067 |
| Net operating income to assets | 0.6580% | 3,948 |
| Return on assets (ROA) | 0.6580% | 4,217 |
| Pretax return on assets | 1.0132% | 3,505 |
| Return on Equity (ROE) | 9.0948% | 2,597 |
| Retained earnings to average equity (ytd only) | 4.9604% | 2,730 |
| Net charge-offs to loans | 0.2473% | 3,456 |
| Credit loss provision to net charge-offs | 118.6495% | 2,421 |
| Earnings coverage of net charge-offs (x) | 10.8907% | 2,092 |
| Efficiency ratio | 62.2996% | 5,193 |
| Assets per employee ($millions) | 5.7217% | 1,502 |
| Cash dividends to net income (ytd only)* | 45.4592% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,120 |
| Loan loss allowance to noncurrent loans | 611.5789% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 5,679 |
| Noncurrent loans to loans | 0.2308% | 5,901 |
| Net loans and leases to total assets | 40.1403% | 6,159 |
| Net loans and leases to deposits | 43.3480% | 6,406 |
| Net loans and leases to core deposits | 44.3853% | 6,445 |
| Total domestic deposits to total assets | 92.6001% | 167 |
| Equity capital to assets | 7.2874% | 6,698 |
| Core capital (leverage) ratio | 7.0508% | 6,685 |
| Tier 1 risk-based capital ratio | 17.5468% | 2,441 |
| Total risk-based capital ratio | 18.7985% | 2,405 |
| Memoranda: | ||
| Average total assets | $297,882,000 | 2,152 |
| Average earning assets | $285,209,800 | 2,076 |
| Average equity | $21,550,800 | 3,032 |
| Average total loans | $125,766,600 | 2,963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 6,869 |
| Cost of funding earning assets | 0.3393% | 6,424 |
| Net interest margin | 2.7229% | 6,614 |
| Noninterest income to average assets | 0.3660% | 4,904 |
| Noninterest expense to average assets | 1.8637% | 6,594 |
| Loan and lease loss provision to assets | 0.1578% | 3,542 |
| Net operating income to assets | 0.6151% | 4,325 |
| Return on assets (ROA) | 0.6151% | 4,581 |
| Pretax return on assets | 0.9496% | 3,919 |
| Return on Equity (ROE) | 8.5177% | 3,036 |
| Retained earnings to average equity (ytd only) | 4.8877% | 3,448 |
| Net charge-offs to loans | 0.3145% | 2,868 |
| Credit loss provision to net charge-offs | 117.7852% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.2652% | 2,474 |
| Efficiency ratio | 62.7270% | 5,027 |
| Assets per employee ($millions) | 5.9743% | 1,263 |
| Cash dividends to net income (ytd only)* | 42.6168% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,497 |
| Loan loss allowance to noncurrent loans | 157.0524% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,810 |
| Noncurrent loans to loans | 0.8726% | 4,675 |
| Net loans and leases to total assets | 39.4811% | 6,322 |
| Net loans and leases to deposits | 42.4667% | 6,575 |
| Net loans and leases to core deposits | 43.4111% | 6,618 |
| Total domestic deposits to total assets | 92.9696% | 114 |
| Equity capital to assets | 6.8930% | 6,896 |
| Core capital (leverage) ratio | 6.9782% | 6,799 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,757 |
| Total risk-based capital ratio | 18.2057% | 2,717 |
| Memoranda: | ||
| Average total assets | $296,540,250 | 2,179 |
| Average earning assets | $283,711,750 | 2,103 |
| Average equity | $21,413,750 | 3,076 |
| Average total loans | $126,341,250 | 2,982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1041% | 6,929 |
| Cost of funding earning assets | 0.3602% | 6,464 |
| Net interest margin | 2.7439% | 6,656 |
| Noninterest income to average assets | 0.3381% | 5,122 |
| Noninterest expense to average assets | 1.9024% | 6,590 |
| Loan and lease loss provision to assets | 0.1898% | 3,202 |
| Net operating income to assets | 0.5582% | 4,547 |
| Return on assets (ROA) | 0.5582% | 4,828 |
| Pretax return on assets | 0.8639% | 4,216 |
| Return on Equity (ROE) | 7.6047% | 3,446 |
| Retained earnings to average equity (ytd only) | 3.9480% | 3,989 |
| Net charge-offs to loans | 0.4421% | 2,277 |
| Credit loss provision to net charge-offs | 98.5663% | 2,815 |
| Earnings coverage of net charge-offs (x) | 5.4731% | 2,828 |
| Efficiency ratio | 64.3557% | 4,822 |
| Assets per employee ($millions) | 5.8438% | 1,337 |
| Cash dividends to net income (ytd only)* | 48.0841% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,844 |
| Loan loss allowance to noncurrent loans | 84.5573% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,064 |
| Noncurrent loans to loans | 1.5513% | 3,582 |
| Net loans and leases to total assets | 41.6174% | 6,214 |
| Net loans and leases to deposits | 44.8424% | 6,511 |
| Net loans and leases to core deposits | 45.8424% | 6,580 |
| Total domestic deposits to total assets | 92.8080% | 138 |
| Equity capital to assets | 7.0686% | 6,900 |
| Core capital (leverage) ratio | 7.0225% | 6,812 |
| Tier 1 risk-based capital ratio | 16.5704% | 2,876 |
| Total risk-based capital ratio | 17.8208% | 2,839 |
| Memoranda: | ||
| Average total assets | $289,840,330 | 2,233 |
| Average earning assets | $276,536,670 | 2,140 |
| Average equity | $21,276,330 | 3,078 |
| Average total loans | $126,205,000 | 3,003 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,980 |
| Cost of funding earning assets | 0.3884% | 6,465 |
| Net interest margin | 2.7603% | 6,697 |
| Noninterest income to average assets | 0.3394% | 5,143 |
| Noninterest expense to average assets | 1.9772% | 6,510 |
| Loan and lease loss provision to assets | 0.1697% | 3,274 |
| Net operating income to assets | 0.5332% | 4,679 |
| Return on assets (ROA) | 0.5332% | 4,886 |
| Pretax return on assets | 0.8260% | 4,317 |
| Return on Equity (ROE) | 7.1218% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.4570% | 4,506 |
| Net charge-offs to loans | -0.0543% | 6,557 |
| Credit loss provision to net charge-offs | -705.8824% | 5,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5081% | 4,462 |
| Assets per employee ($millions) | 5.4223% | 1,761 |
| Cash dividends to net income (ytd only)* | 51.4589% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,379 |
| Loan loss allowance to noncurrent loans | 81.8427% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 4,545 |
| Noncurrent loans to loans | 1.7706% | 3,452 |
| Net loans and leases to total assets | 43.0943% | 6,094 |
| Net loans and leases to deposits | 46.6282% | 6,378 |
| Net loans and leases to core deposits | 47.6402% | 6,478 |
| Total domestic deposits to total assets | 92.4209% | 199 |
| Equity capital to assets | 7.3957% | 6,821 |
| Core capital (leverage) ratio | 7.5884% | 6,575 |
| Tier 1 risk-based capital ratio | 16.6380% | 2,850 |
| Total risk-based capital ratio | 17.8909% | 2,801 |
| Memoranda: | ||
| Average total assets | $282,821,500 | 2,296 |
| Average earning assets | $269,825,500 | 2,203 |
| Average equity | $21,174,500 | 3,090 |
| Average total loans | $125,234,000 | 3,042 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 6,748 |
| Cost of funding earning assets | 0.5011% | 6,531 |
| Net interest margin | 3.2820% | 5,869 |
| Noninterest income to average assets | 0.6842% | 2,691 |
| Noninterest expense to average assets | 2.2052% | 6,257 |
| Loan and lease loss provision to assets | 0.1235% | 5,061 |
| Net operating income to assets | 0.9524% | 2,400 |
| Return on assets (ROA) | 0.9524% | 2,528 |
| Pretax return on assets | 1.4616% | 1,590 |
| Return on Equity (ROE) | 12.0271% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.4747% | 679 |
| Net charge-offs to loans | 0.1916% | 4,609 |
| Credit loss provision to net charge-offs | 127.6423% | 2,432 |
| Earnings coverage of net charge-offs (x) | 16.3862% | 1,333 |
| Efficiency ratio | 58.1803% | 6,028 |
| Assets per employee ($millions) | 5.3511% | 1,774 |
| Cash dividends to net income (ytd only)* | 21.2221% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 4,665 |
| Loan loss allowance to noncurrent loans | 77.5426% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 4,104 |
| Noncurrent loans to loans | 1.7412% | 3,550 |
| Net loans and leases to total assets | 44.2451% | 6,187 |
| Net loans and leases to deposits | 47.9446% | 6,496 |
| Net loans and leases to core deposits | 49.0697% | 6,587 |
| Total domestic deposits to total assets | 92.2838% | 200 |
| Equity capital to assets | 7.5811% | 6,777 |
| Core capital (leverage) ratio | 7.9754% | 6,292 |
| Tier 1 risk-based capital ratio | 16.5535% | 2,800 |
| Total risk-based capital ratio | 17.8054% | 2,765 |
| Memoranda: | ||
| Average total assets | $254,305,600 | 2,478 |
| Average earning assets | $240,674,200 | 2,398 |
| Average equity | $20,137,800 | 3,116 |
| Average total loans | $128,379,200 | 3,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 6,665 |
| Cost of funding earning assets | 0.5235% | 6,607 |
| Net interest margin | 3.4232% | 5,498 |
| Noninterest income to average assets | 0.5885% | 3,245 |
| Noninterest expense to average assets | 2.2916% | 6,061 |
| Loan and lease loss provision to assets | 0.1466% | 4,617 |
| Net operating income to assets | 0.9020% | 2,732 |
| Return on assets (ROA) | 0.9020% | 2,873 |
| Pretax return on assets | 1.3874% | 1,973 |
| Return on Equity (ROE) | 11.2568% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.0189% | 1,135 |
| Net charge-offs to loans | 0.0320% | 5,702 |
| Credit loss provision to net charge-offs | 880.6452% | 313 |
| Earnings coverage of net charge-offs (x) | 92.1665% | 386 |
| Efficiency ratio | 59.9018% | 5,740 |
| Assets per employee ($millions) | 5.2132% | 1,915 |
| Cash dividends to net income (ytd only)* | 19.8809% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,371 |
| Loan loss allowance to noncurrent loans | 3,152.5424% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 5,746 |
| Noncurrent loans to loans | 0.0457% | 6,824 |
| Net loans and leases to total assets | 48.8297% | 5,855 |
| Net loans and leases to deposits | 53.1469% | 6,276 |
| Net loans and leases to core deposits | 54.3820% | 6,433 |
| Total domestic deposits to total assets | 91.8768% | 227 |
| Equity capital to assets | 7.8942% | 6,757 |
| Core capital (leverage) ratio | 8.0338% | 6,365 |
| Tier 1 risk-based capital ratio | 15.6730% | 3,292 |
| Total risk-based capital ratio | 16.9256% | 3,257 |
| Memoranda: | ||
| Average total assets | $248,317,250 | 2,553 |
| Average earning assets | $234,821,750 | 2,466 |
| Average equity | $19,898,500 | 3,160 |
| Average total loans | $129,273,750 | 3,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 6,627 |
| Cost of funding earning assets | 0.5448% | 6,685 |
| Net interest margin | 3.4798% | 5,250 |
| Noninterest income to average assets | 0.6061% | 3,092 |
| Noninterest expense to average assets | 2.3546% | 5,984 |
| Loan and lease loss provision to assets | 0.1785% | 4,133 |
| Net operating income to assets | 0.8894% | 2,688 |
| Return on assets (ROA) | 0.8894% | 2,793 |
| Pretax return on assets | 1.3685% | 1,897 |
| Return on Equity (ROE) | 11.0409% | 1,783 |
| Retained earnings to average equity (ytd only) | 9.2719% | 1,022 |
| Net charge-offs to loans | 0.0402% | 5,288 |
| Credit loss provision to net charge-offs | 838.4615% | 392 |
| Earnings coverage of net charge-offs (x) | 72.6538% | 469 |
| Efficiency ratio | 60.3484% | 5,819 |
| Assets per employee ($millions) | 4.7719% | 2,450 |
| Cash dividends to net income (ytd only)* | 16.0221% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,640 |
| Loan loss allowance to noncurrent loans | 1,644.5455% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 5,736 |
| Noncurrent loans to loans | 0.0843% | 6,773 |
| Net loans and leases to total assets | 51.8746% | 5,583 |
| Net loans and leases to deposits | 56.6003% | 6,081 |
| Net loans and leases to core deposits | 57.9775% | 6,275 |
| Total domestic deposits to total assets | 91.6506% | 310 |
| Equity capital to assets | 8.1233% | 6,582 |
| Core capital (leverage) ratio | 8.1435% | 6,107 |
| Tier 1 risk-based capital ratio | 14.7236% | 3,661 |
| Total risk-based capital ratio | 15.9745% | 3,625 |
| Memoranda: | ||
| Average total assets | $244,202,670 | 2,611 |
| Average earning assets | $231,277,330 | 2,514 |
| Average equity | $19,672,330 | 3,177 |
| Average total loans | $129,318,330 | 3,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 6,628 |
| Cost of funding earning assets | 0.5552% | 6,785 |
| Net interest margin | 3.4759% | 5,117 |
| Noninterest income to average assets | 0.6011% | 3,158 |
| Noninterest expense to average assets | 2.4026% | 5,878 |
| Loan and lease loss provision to assets | 0.2031% | 3,606 |
| Net operating income to assets | 0.8389% | 2,833 |
| Return on assets (ROA) | 0.8389% | 2,895 |
| Pretax return on assets | 1.2930% | 2,063 |
| Return on Equity (ROE) | 10.4581% | 1,924 |
| Retained earnings to average equity (ytd only) | 9.4287% | 1,252 |
| Net charge-offs to loans | 0.0684% | 4,241 |
| Credit loss provision to net charge-offs | 559.0909% | 663 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 669 |
| Efficiency ratio | 61.6264% | 5,734 |
| Assets per employee ($millions) | 4.5982% | 2,734 |
| Cash dividends to net income (ytd only)* | 9.8425% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 5,059 |
| Loan loss allowance to noncurrent loans | 14,316.6667% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 5,850 |
| Noncurrent loans to loans | 0.0092% | 7,059 |
| Net loans and leases to total assets | 52.8856% | 5,470 |
| Net loans and leases to deposits | 57.7565% | 5,948 |
| Net loans and leases to core deposits | 59.1196% | 6,173 |
| Total domestic deposits to total assets | 91.5665% | 398 |
| Equity capital to assets | 8.0872% | 6,402 |
| Core capital (leverage) ratio | 8.0382% | 6,204 |
| Tier 1 risk-based capital ratio | 14.5579% | 3,700 |
| Total risk-based capital ratio | 15.8085% | 3,662 |
| Memoranda: | ||
| Average total assets | $242,234,500 | 2,643 |
| Average earning assets | $229,813,500 | 2,548 |
| Average equity | $19,430,000 | 3,198 |
| Average total loans | $128,712,500 | 3,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 6,661 |
| Cost of funding earning assets | 0.9142% | 6,114 |
| Net interest margin | 3.4621% | 5,391 |
| Noninterest income to average assets | 0.6941% | 2,873 |
| Noninterest expense to average assets | 2.5713% | 5,538 |
| Loan and lease loss provision to assets | 0.2315% | 4,966 |
| Net operating income to assets | 0.7466% | 3,013 |
| Return on assets (ROA) | 0.7466% | 3,137 |
| Pretax return on assets | 1.1526% | 2,386 |
| Return on Equity (ROE) | 9.6419% | 2,059 |
| Retained earnings to average equity (ytd only) | 8.5686% | 824 |
| Net charge-offs to loans | 0.0370% | 6,432 |
| Credit loss provision to net charge-offs | 1,102.1739% | 206 |
| Earnings coverage of net charge-offs (x) | 65.8913% | 365 |
| Efficiency ratio | 65.0081% | 5,162 |
| Assets per employee ($millions) | 4.5427% | 2,790 |
| Cash dividends to net income (ytd only)* | 11.1315% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,134 |
| Loan loss allowance to noncurrent loans | 4,491.6667% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 5,862 |
| Noncurrent loans to loans | 0.0284% | 7,065 |
| Net loans and leases to total assets | 52.0032% | 5,907 |
| Net loans and leases to deposits | 56.6562% | 6,385 |
| Net loans and leases to core deposits | 58.7189% | 6,500 |
| Total domestic deposits to total assets | 91.7873% | 330 |
| Equity capital to assets | 7.9543% | 6,539 |
| Core capital (leverage) ratio | 8.1724% | 5,870 |
| Tier 1 risk-based capital ratio | 14.4485% | 3,583 |
| Total risk-based capital ratio | 15.6807% | 3,550 |
| Memoranda: | ||
| Average total assets | $218,992,600 | 2,883 |
| Average earning assets | $206,293,400 | 2,793 |
| Average equity | $16,957,200 | 3,597 |
| Average total loans | $124,286,800 | 3,227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 6,727 |
| Cost of funding earning assets | 1.0132% | 5,878 |
| Net interest margin | 3.4363% | 5,545 |
| Noninterest income to average assets | 0.7161% | 2,732 |
| Noninterest expense to average assets | 2.5105% | 5,679 |
| Loan and lease loss provision to assets | 0.2610% | 4,497 |
| Net operating income to assets | 0.7598% | 3,179 |
| Return on assets (ROA) | 0.7598% | 3,334 |
| Pretax return on assets | 1.1738% | 2,589 |
| Return on Equity (ROE) | 9.8888% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.8243% | 1,111 |
| Net charge-offs to loans | 0.0377% | 6,183 |
| Credit loss provision to net charge-offs | 1,194.2857% | 248 |
| Earnings coverage of net charge-offs (x) | 65.6507% | 455 |
| Efficiency ratio | 63.6335% | 5,314 |
| Assets per employee ($millions) | 4.1265% | 3,603 |
| Cash dividends to net income (ytd only)* | 10.7640% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,359 |
| Loan loss allowance to noncurrent loans | 4,272.2222% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 5,810 |
| Noncurrent loans to loans | 0.0287% | 7,186 |
| Net loans and leases to total assets | 55.5854% | 5,610 |
| Net loans and leases to deposits | 60.6825% | 6,254 |
| Net loans and leases to core deposits | 63.0338% | 6,371 |
| Total domestic deposits to total assets | 91.6004% | 282 |
| Equity capital to assets | 8.0680% | 6,744 |
| Core capital (leverage) ratio | 7.9229% | 6,443 |
| Tier 1 risk-based capital ratio | 14.1553% | 3,718 |
| Total risk-based capital ratio | 15.3838% | 3,708 |
| Memoranda: | ||
| Average total assets | $213,550,250 | 2,996 |
| Average earning assets | $200,676,750 | 2,908 |
| Average equity | $16,408,750 | 3,739 |
| Average total loans | $123,653,250 | 3,291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 6,720 |
| Cost of funding earning assets | 1.1349% | 5,489 |
| Net interest margin | 3.3621% | 5,788 |
| Noninterest income to average assets | 0.6358% | 3,092 |
| Noninterest expense to average assets | 2.5345% | 5,593 |
| Loan and lease loss provision to assets | 0.2984% | 4,000 |
| Net operating income to assets | 0.6158% | 3,806 |
| Return on assets (ROA) | 0.6158% | 3,943 |
| Pretax return on assets | 0.9560% | 3,288 |
| Return on Equity (ROE) | 8.1583% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.5917% | 1,599 |
| Net charge-offs to loans | 0.0471% | 5,724 |
| Credit loss provision to net charge-offs | 1,082.7586% | 350 |
| Earnings coverage of net charge-offs (x) | 45.5172% | 653 |
| Efficiency ratio | 66.8924% | 4,790 |
| Assets per employee ($millions) | 4.0394% | 3,698 |
| Cash dividends to net income (ytd only)* | 6.9444% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,524 |
| Loan loss allowance to noncurrent loans | 18,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 5,835 |
| Noncurrent loans to loans | 0.0066% | 7,322 |
| Net loans and leases to total assets | 54.9132% | 5,855 |
| Net loans and leases to deposits | 59.9067% | 6,419 |
| Net loans and leases to core deposits | 62.5733% | 6,506 |
| Total domestic deposits to total assets | 91.6645% | 301 |
| Equity capital to assets | 8.0251% | 6,734 |
| Core capital (leverage) ratio | 8.0163% | 6,254 |
| Tier 1 risk-based capital ratio | 13.4436% | 4,107 |
| Total risk-based capital ratio | 14.5666% | 4,155 |
| Memoranda: | ||
| Average total assets | $210,456,330 | 3,048 |
| Average earning assets | $197,376,330 | 2,984 |
| Average equity | $15,885,670 | 3,820 |
| Average total loans | $123,071,000 | 3,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 6,454 |
| Cost of funding earning assets | 1.3355% | 4,595 |
| Net interest margin | 3.2986% | 5,978 |
| Noninterest income to average assets | 0.6524% | 2,922 |
| Noninterest expense to average assets | 2.5709% | 5,473 |
| Loan and lease loss provision to assets | 0.2536% | 4,016 |
| Net operating income to assets | 0.5943% | 3,914 |
| Return on assets (ROA) | 0.5943% | 4,060 |
| Pretax return on assets | 0.9215% | 3,380 |
| Return on Equity (ROE) | 8.1454% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.1454% | 1,648 |
| Net charge-offs to loans | 0.0065% | 5,518 |
| Credit loss provision to net charge-offs | 6,550.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 303.5000% | 105 |
| Efficiency ratio | 68.6305% | 4,595 |
| Assets per employee ($millions) | 4.1667% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,603 |
| Loan loss allowance to noncurrent loans | 3,210.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 5,847 |
| Noncurrent loans to loans | 0.0302% | 7,339 |
| Net loans and leases to total assets | 59.4072% | 5,220 |
| Net loans and leases to deposits | 69.4428% | 5,416 |
| Net loans and leases to core deposits | 72.5519% | 5,651 |
| Total domestic deposits to total assets | 85.5485% | 3,386 |
| Equity capital to assets | 7.8008% | 6,850 |
| Core capital (leverage) ratio | 7.9289% | 6,341 |
| Tier 1 risk-based capital ratio | 12.1068% | 5,081 |
| Total risk-based capital ratio | 13.0243% | 5,362 |
| Memoranda: | ||
| Average total assets | $206,620,500 | 3,134 |
| Average earning assets | $193,780,500 | 3,078 |
| Average equity | $15,076,000 | 4,002 |
| Average total loans | $123,996,000 | 3,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 7,247 |
| Cost of funding earning assets | 1.2610% | 6,435 |
| Net interest margin | 3.3667% | 5,504 |
| Noninterest income to average assets | 0.8113% | 2,352 |
| Noninterest expense to average assets | 2.9920% | 4,175 |
| Loan and lease loss provision to assets | 0.6136% | 3,344 |
| Net operating income to assets | 0.2435% | 4,745 |
| Return on assets (ROA) | 0.2442% | 4,820 |
| Pretax return on assets | 0.3694% | 4,582 |
| Return on Equity (ROE) | 3.4089% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.6929% | 3,902 |
| Net charge-offs to loans | 0.7165% | 3,036 |
| Credit loss provision to net charge-offs | 147.1448% | 3,201 |
| Earnings coverage of net charge-offs (x) | 2.3546% | 3,962 |
| Efficiency ratio | 75.2926% | 3,657 |
| Assets per employee ($millions) | 3.5631% | 4,865 |
| Cash dividends to net income (ytd only)* | 50.3401% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,387 |
| Loan loss allowance to noncurrent loans | 3,982.7586% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 5,585 |
| Noncurrent loans to loans | 0.0251% | 7,377 |
| Net loans and leases to total assets | 59.4373% | 5,427 |
| Net loans and leases to deposits | 63.9972% | 6,261 |
| Net loans and leases to core deposits | 78.2410% | 6,243 |
| Total domestic deposits to total assets | 92.8750% | 143 |
| Equity capital to assets | 6.7176% | 7,493 |
| Core capital (leverage) ratio | 6.3418% | 7,540 |
| Tier 1 risk-based capital ratio | 9.5900% | 7,171 |
| Total risk-based capital ratio | 10.4702% | 7,362 |
| Memoranda: | ||
| Average total assets | $180,584,200 | 3,428 |
| Average earning assets | $169,629,600 | 3,353 |
| Average equity | $12,936,600 | 4,525 |
| Average total loans | $105,087,200 | 3,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 7,384 |
| Cost of funding earning assets | 1.2723% | 6,650 |
| Net interest margin | 3.3503% | 5,442 |
| Noninterest income to average assets | 0.8377% | 2,250 |
| Noninterest expense to average assets | 3.0355% | 3,902 |
| Loan and lease loss provision to assets | 0.1997% | 5,393 |
| Net operating income to assets | 0.4892% | 4,030 |
| Return on assets (ROA) | 0.4901% | 4,120 |
| Pretax return on assets | 0.7566% | 3,682 |
| Return on Equity (ROE) | 6.7285% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.4411% | 2,793 |
| Net charge-offs to loans | 0.0625% | 6,079 |
| Credit loss provision to net charge-offs | 554.1667% | 703 |
| Earnings coverage of net charge-offs (x) | 26.4994% | 1,019 |
| Efficiency ratio | 76.0722% | 3,501 |
| Assets per employee ($millions) | 3.6277% | 4,611 |
| Cash dividends to net income (ytd only)* | 33.9968% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,636 |
| Loan loss allowance to noncurrent loans | 59.3477% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,271 |
| Noncurrent loans to loans | 1.5671% | 4,287 |
| Net loans and leases to total assets | 54.4017% | 6,336 |
| Net loans and leases to deposits | 58.6135% | 6,928 |
| Net loans and leases to core deposits | 74.7224% | 6,686 |
| Total domestic deposits to total assets | 92.8144% | 99 |
| Equity capital to assets | 6.6213% | 7,732 |
| Core capital (leverage) ratio | 6.8529% | 7,519 |
| Tier 1 risk-based capital ratio | 10.2710% | 6,713 |
| Total risk-based capital ratio | 11.0888% | 7,066 |
| Memoranda: | ||
| Average total assets | $177,628,750 | 3,500 |
| Average earning assets | $167,146,750 | 3,421 |
| Average equity | $12,939,500 | 4,559 |
| Average total loans | $102,480,000 | 3,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 7,150 |
| Cost of funding earning assets | 1.2866% | 6,851 |
| Net interest margin | 3.5532% | 4,558 |
| Noninterest income to average assets | 0.8701% | 2,095 |
| Noninterest expense to average assets | 3.1151% | 3,642 |
| Loan and lease loss provision to assets | 0.2278% | 4,755 |
| Net operating income to assets | 0.5679% | 3,817 |
| Return on assets (ROA) | 0.5695% | 3,920 |
| Pretax return on assets | 0.8630% | 3,463 |
| Return on Equity (ROE) | 7.5492% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.0937% | 3,016 |
| Net charge-offs to loans | 0.0300% | 6,046 |
| Credit loss provision to net charge-offs | 1,293.3333% | 384 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 580 |
| Efficiency ratio | 74.1061% | 4,019 |
| Assets per employee ($millions) | 3.1370% | 5,750 |
| Cash dividends to net income (ytd only)* | 45.7732% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,657 |
| Loan loss allowance to noncurrent loans | 87.3327% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 5,698 |
| Noncurrent loans to loans | 1.0629% | 5,086 |
| Net loans and leases to total assets | 59.4810% | 5,767 |
| Net loans and leases to deposits | 64.6469% | 6,502 |
| Net loans and leases to core deposits | 81.5815% | 6,272 |
| Total domestic deposits to total assets | 92.0090% | 212 |
| Equity capital to assets | 7.4092% | 7,342 |
| Core capital (leverage) ratio | 7.3367% | 7,203 |
| Tier 1 risk-based capital ratio | 10.7785% | 6,112 |
| Total risk-based capital ratio | 11.6141% | 6,453 |
| Memoranda: | ||
| Average total assets | $170,330,670 | 3,629 |
| Average earning assets | $159,800,670 | 3,564 |
| Average equity | $12,849,000 | 4,581 |
| Average total loans | $100,119,000 | 4,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 6,507 |
| Cost of funding earning assets | 1.2989% | 7,014 |
| Net interest margin | 3.8458% | 3,264 |
| Noninterest income to average assets | 0.9018% | 1,842 |
| Noninterest expense to average assets | 3.0276% | 3,645 |
| Loan and lease loss provision to assets | 0.2410% | 4,052 |
| Net operating income to assets | 0.8152% | 3,066 |
| Return on assets (ROA) | 0.8183% | 3,206 |
| Pretax return on assets | 1.2406% | 2,482 |
| Return on Equity (ROE) | 10.7477% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.7477% | 1,020 |
| Net charge-offs to loans | 0.0123% | 5,437 |
| Credit loss provision to net charge-offs | 3,366.6667% | 202 |
| Earnings coverage of net charge-offs (x) | 206.3333% | 205 |
| Efficiency ratio | 67.2140% | 5,100 |
| Assets per employee ($millions) | 3.0587% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,759 |
| Loan loss allowance to noncurrent loans | 83.8469% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 5,478 |
| Noncurrent loans to loans | 1.0718% | 4,840 |
| Net loans and leases to total assets | 57.8158% | 5,971 |
| Net loans and leases to deposits | 63.9566% | 6,565 |
| Net loans and leases to core deposits | 75.7488% | 6,692 |
| Total domestic deposits to total assets | 90.3986% | 642 |
| Equity capital to assets | 7.6083% | 7,254 |
| Core capital (leverage) ratio | 7.5650% | 7,069 |
| Tier 1 risk-based capital ratio | 11.1637% | 5,742 |
| Total risk-based capital ratio | 11.9525% | 6,094 |
| Memoranda: | ||
| Average total assets | $167,659,500 | 3,696 |
| Average earning assets | $157,056,000 | 3,628 |
| Average equity | $12,765,500 | 4,637 |
| Average total loans | $97,443,000 | 4,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 7,150 |
| Cost of funding earning assets | 1.6805% | 7,302 |
| Net interest margin | 3.8909% | 3,603 |
| Noninterest income to average assets | 1.0532% | 1,412 |
| Noninterest expense to average assets | 3.3179% | 2,910 |
| Loan and lease loss provision to assets | 0.1803% | 5,093 |
| Net operating income to assets | 0.7532% | 3,652 |
| Return on assets (ROA) | 0.7532% | 3,489 |
| Pretax return on assets | 1.1392% | 2,879 |
| Return on Equity (ROE) | 9.5451% | 2,420 |
| Retained earnings to average equity (ytd only) | 5.8822% | 1,578 |
| Net charge-offs to loans | 0.0255% | 6,484 |
| Credit loss provision to net charge-offs | 1,259.0909% | 361 |
| Earnings coverage of net charge-offs (x) | 92.1364% | 457 |
| Efficiency ratio | 71.5469% | 4,024 |
| Assets per employee ($millions) | 2.7802% | 6,611 |
| Cash dividends to net income (ytd only)* | 38.3751% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,931 |
| Loan loss allowance to noncurrent loans | 170.5757% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 6,258 |
| Noncurrent loans to loans | 0.4939% | 5,868 |
| Net loans and leases to total assets | 57.4016% | 6,290 |
| Net loans and leases to deposits | 62.6990% | 6,897 |
| Net loans and leases to core deposits | 75.3515% | 6,893 |
| Total domestic deposits to total assets | 91.5510% | 198 |
| Equity capital to assets | 7.6199% | 7,286 |
| Core capital (leverage) ratio | 7.5727% | 7,116 |
| Tier 1 risk-based capital ratio | 11.1853% | 5,554 |
| Total risk-based capital ratio | 11.9089% | 5,944 |
| Memoranda: | ||
| Average total assets | $153,620,400 | 3,831 |
| Average earning assets | $141,508,800 | 3,814 |
| Average equity | $12,121,400 | 4,803 |
| Average total loans | $86,117,200 | 4,329 |