Home > Chicopee Savings Bank > Performance and Condition Ratios
Chicopee Savings 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 | 4.0327% | 3,096 |
| Cost of funding earning assets | 0.6894% | 859 |
| Net interest margin | 3.3433% | 4,044 |
| Noninterest income to average assets | 0.4335% | 3,667 |
| Noninterest expense to average assets | 2.7810% | 3,068 |
| Loan and lease loss provision to assets | 0.0527% | 3,205 |
| Net operating income to assets | 0.4243% | 4,947 |
| Return on assets (ROA) | 0.4243% | 5,037 |
| Pretax return on assets | 0.7249% | 4,542 |
| Return on Equity (ROE) | 3.7604% | 5,003 |
| Retained earnings to average equity (ytd only) | -1.3167% | 5,529 |
| Net charge-offs to loans | 0.0395% | 2,842 |
| Credit loss provision to net charge-offs | 155.0562% | 1,736 |
| Earnings coverage of net charge-offs (x) | 22.8762% | 1,733 |
| Efficiency ratio | 78.1498% | 1,670 |
| Assets per employee ($millions) | 6.1348% | 1,333 |
| Cash dividends to net income (ytd only)* | 135.0136% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,774 |
| Loan loss allowance to noncurrent loans | 88.7939% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 2,336 |
| Noncurrent loans to loans | 1.0432% | 2,153 |
| Net loans and leases to total assets | 84.4080% | 376 |
| Net loans and leases to deposits | 107.8497% | 311 |
| Net loans and leases to core deposits | 118.5901% | 554 |
| Total domestic deposits to total assets | 78.2645% | 4,863 |
| Equity capital to assets | 10.8647% | 3,186 |
| Core capital (leverage) ratio | 11.1234% | 2,337 |
| Tier 1 risk-based capital ratio | 13.2281% | 4,019 |
| Total risk-based capital ratio | 14.2018% | 4,099 |
| Memoranda: | ||
| Average total assets | $698,238,000 | 1,027 |
| Average earning assets | $652,680,000 | 1,009 |
| Average equity | $78,783,750 | 1,008 |
| Average total loans | $600,078,250 | 827 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,107 |
| Cost of funding earning assets | 0.6959% | 824 |
| Net interest margin | 3.3428% | 4,085 |
| Noninterest income to average assets | 0.4164% | 3,775 |
| Noninterest expense to average assets | 2.8042% | 3,013 |
| Loan and lease loss provision to assets | 0.0507% | 3,132 |
| Net operating income to assets | 0.4234% | 4,965 |
| Return on assets (ROA) | 0.4234% | 5,052 |
| Pretax return on assets | 0.6887% | 4,656 |
| Return on Equity (ROE) | 3.7043% | 5,015 |
| Retained earnings to average equity (ytd only) | -3.9072% | 5,690 |
| Net charge-offs to loans | 0.0161% | 3,195 |
| Credit loss provision to net charge-offs | 364.5833% | 832 |
| Earnings coverage of net charge-offs (x) | 53.1250% | 958 |
| Efficiency ratio | 79.1326% | 1,617 |
| Assets per employee ($millions) | 5.6992% | 1,623 |
| Cash dividends to net income (ytd only)* | 205.4795% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,762 |
| Loan loss allowance to noncurrent loans | 81.6321% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 1,831 |
| Noncurrent loans to loans | 1.1613% | 1,975 |
| Net loans and leases to total assets | 85.5843% | 283 |
| Net loans and leases to deposits | 110.0109% | 249 |
| Net loans and leases to core deposits | 121.4830% | 477 |
| Total domestic deposits to total assets | 77.7962% | 5,039 |
| Equity capital to assets | 11.0868% | 2,962 |
| Core capital (leverage) ratio | 11.1106% | 2,318 |
| Tier 1 risk-based capital ratio | 13.2338% | 4,058 |
| Total risk-based capital ratio | 14.2240% | 4,129 |
| Memoranda: | ||
| Average total assets | $689,683,000 | 1,038 |
| Average earning assets | $645,209,000 | 1,021 |
| Average equity | $78,828,330 | 1,008 |
| Average total loans | $594,522,670 | 832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,028 |
| Cost of funding earning assets | 0.6985% | 810 |
| Net interest margin | 3.3530% | 4,028 |
| Noninterest income to average assets | 0.3778% | 4,006 |
| Noninterest expense to average assets | 2.8596% | 2,849 |
| Loan and lease loss provision to assets | 0.0322% | 3,233 |
| Net operating income to assets | 0.4123% | 4,960 |
| Return on assets (ROA) | 0.4123% | 5,033 |
| Pretax return on assets | 0.6187% | 4,762 |
| Return on Equity (ROE) | 3.5524% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.5524% | 3,718 |
| Net charge-offs to loans | -0.0095% | 4,510 |
| Credit loss provision to net charge-offs | -392.8571% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4593% | 1,424 |
| Assets per employee ($millions) | 5.6618% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,799 |
| Loan loss allowance to noncurrent loans | 83.5514% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 1,910 |
| Noncurrent loans to loans | 1.1512% | 2,105 |
| Net loans and leases to total assets | 84.7303% | 312 |
| Net loans and leases to deposits | 110.3203% | 222 |
| Net loans and leases to core deposits | 122.6859% | 396 |
| Total domestic deposits to total assets | 76.8039% | 5,316 |
| Equity capital to assets | 11.5550% | 2,391 |
| Core capital (leverage) ratio | 11.6060% | 1,902 |
| Tier 1 risk-based capital ratio | 13.8725% | 3,776 |
| Total risk-based capital ratio | 14.8726% | 3,847 |
| Memoranda: | ||
| Average total assets | $684,022,000 | 1,039 |
| Average earning assets | $639,061,500 | 1,028 |
| Average equity | $79,383,000 | 1,000 |
| Average total loans | $588,938,000 | 837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,102 |
| Cost of funding earning assets | 0.7123% | 770 |
| Net interest margin | 3.3409% | 4,146 |
| Noninterest income to average assets | 0.4534% | 3,638 |
| Noninterest expense to average assets | 2.7884% | 3,283 |
| Loan and lease loss provision to assets | 0.1409% | 1,684 |
| Net operating income to assets | 0.4788% | 4,769 |
| Return on assets (ROA) | 0.4788% | 4,858 |
| Pretax return on assets | 0.6348% | 4,722 |
| Return on Equity (ROE) | 4.1636% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.1636% | 3,028 |
| Net charge-offs to loans | 0.0450% | 3,313 |
| Credit loss provision to net charge-offs | 371.9368% | 803 |
| Earnings coverage of net charge-offs (x) | 20.4743% | 1,876 |
| Efficiency ratio | 78.2353% | 1,935 |
| Assets per employee ($millions) | 5.4621% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,829 |
| Loan loss allowance to noncurrent loans | 87.7892% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 1,880 |
| Noncurrent loans to loans | 1.0897% | 2,162 |
| Net loans and leases to total assets | 85.8272% | 242 |
| Net loans and leases to deposits | 113.8961% | 168 |
| Net loans and leases to core deposits | 127.1368% | 313 |
| Total domestic deposits to total assets | 75.3556% | 5,516 |
| Equity capital to assets | 11.6567% | 2,226 |
| Core capital (leverage) ratio | 11.3288% | 2,105 |
| Tier 1 risk-based capital ratio | 13.7027% | 3,886 |
| Total risk-based capital ratio | 14.6953% | 3,974 |
| Memoranda: | ||
| Average total assets | $667,776,400 | 1,028 |
| Average earning assets | $621,753,000 | 1,012 |
| Average equity | $76,784,000 | 990 |
| Average total loans | $562,332,400 | 831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,223 |
| Cost of funding earning assets | 0.7081% | 807 |
| Net interest margin | 3.3200% | 4,260 |
| Noninterest income to average assets | 0.4545% | 3,679 |
| Noninterest expense to average assets | 2.8247% | 3,090 |
| Loan and lease loss provision to assets | 0.1489% | 1,465 |
| Net operating income to assets | 0.4186% | 5,092 |
| Return on assets (ROA) | 0.4186% | 5,178 |
| Pretax return on assets | 0.5701% | 5,048 |
| Return on Equity (ROE) | 3.6532% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.6532% | 3,866 |
| Net charge-offs to loans | 0.0381% | 3,131 |
| Credit loss provision to net charge-offs | 467.2956% | 685 |
| Earnings coverage of net charge-offs (x) | 22.5665% | 1,771 |
| Efficiency ratio | 79.7116% | 1,702 |
| Assets per employee ($millions) | 5.5959% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,990 |
| Loan loss allowance to noncurrent loans | 87.1167% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 2,198 |
| Noncurrent loans to loans | 1.0870% | 2,309 |
| Net loans and leases to total assets | 83.0737% | 465 |
| Net loans and leases to deposits | 110.6459% | 238 |
| Net loans and leases to core deposits | 122.5167% | 411 |
| Total domestic deposits to total assets | 75.0807% | 5,615 |
| Equity capital to assets | 11.1946% | 2,801 |
| Core capital (leverage) ratio | 11.4528% | 2,073 |
| Tier 1 risk-based capital ratio | 13.5640% | 4,106 |
| Total risk-based capital ratio | 14.5427% | 4,186 |
| Memoranda: | ||
| Average total assets | $665,394,750 | 1,036 |
| Average earning assets | $619,135,000 | 1,021 |
| Average equity | $76,242,250 | 1,003 |
| Average total loans | $556,184,250 | 850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,228 |
| Cost of funding earning assets | 0.7114% | 798 |
| Net interest margin | 3.3027% | 4,291 |
| Noninterest income to average assets | 0.4238% | 3,898 |
| Noninterest expense to average assets | 2.8666% | 3,010 |
| Loan and lease loss provision to assets | 0.1851% | 1,097 |
| Net operating income to assets | 0.3379% | 5,335 |
| Return on assets (ROA) | 0.3379% | 5,440 |
| Pretax return on assets | 0.4513% | 5,351 |
| Return on Equity (ROE) | 2.9249% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.9249% | 4,175 |
| Net charge-offs to loans | 0.0489% | 2,729 |
| Credit loss provision to net charge-offs | 452.9851% | 674 |
| Earnings coverage of net charge-offs (x) | 15.5746% | 1,966 |
| Efficiency ratio | 81.8332% | 1,513 |
| Assets per employee ($millions) | 5.4107% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 5,122 |
| Loan loss allowance to noncurrent loans | 85.4972% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 2,310 |
| Noncurrent loans to loans | 1.1036% | 2,446 |
| Net loans and leases to total assets | 84.4927% | 338 |
| Net loans and leases to deposits | 113.9201% | 182 |
| Net loans and leases to core deposits | 127.6643% | 316 |
| Total domestic deposits to total assets | 74.1684% | 5,771 |
| Equity capital to assets | 11.4082% | 2,491 |
| Core capital (leverage) ratio | 11.4155% | 2,060 |
| Tier 1 risk-based capital ratio | 13.5518% | 4,190 |
| Total risk-based capital ratio | 14.5239% | 4,294 |
| Memoranda: | ||
| Average total assets | $655,895,670 | 1,056 |
| Average earning assets | $611,494,000 | 1,040 |
| Average equity | $75,763,670 | 1,016 |
| Average total loans | $547,595,000 | 858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,359 |
| Cost of funding earning assets | 0.7039% | 840 |
| Net interest margin | 3.2609% | 4,379 |
| Noninterest income to average assets | 0.3961% | 4,035 |
| Noninterest expense to average assets | 2.9347% | 2,794 |
| Loan and lease loss provision to assets | 0.2468% | 676 |
| Net operating income to assets | 0.2054% | 5,671 |
| Return on assets (ROA) | 0.2054% | 5,762 |
| Pretax return on assets | 0.2585% | 5,738 |
| Return on Equity (ROE) | 1.7672% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.7672% | 4,766 |
| Net charge-offs to loans | 0.1069% | 1,671 |
| Credit loss provision to net charge-offs | 279.7203% | 854 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 2,361 |
| Efficiency ratio | 85.3121% | 1,243 |
| Assets per employee ($millions) | 5.4031% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,250 |
| Loan loss allowance to noncurrent loans | 59.2051% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 1,807 |
| Noncurrent loans to loans | 1.6044% | 1,741 |
| Net loans and leases to total assets | 82.0082% | 459 |
| Net loans and leases to deposits | 109.3689% | 230 |
| Net loans and leases to core deposits | 123.4805% | 338 |
| Total domestic deposits to total assets | 74.9830% | 5,833 |
| Equity capital to assets | 11.4704% | 2,491 |
| Core capital (leverage) ratio | 11.4316% | 2,051 |
| Tier 1 risk-based capital ratio | 13.6966% | 4,224 |
| Total risk-based capital ratio | 14.6678% | 4,285 |
| Memoranda: | ||
| Average total assets | $648,378,000 | 1,073 |
| Average earning assets | $605,239,500 | 1,055 |
| Average equity | $75,375,000 | 1,023 |
| Average total loans | $535,248,500 | 877 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,205 |
| Cost of funding earning assets | 0.7173% | 1,022 |
| Net interest margin | 3.4128% | 4,144 |
| Noninterest income to average assets | 0.4558% | 3,795 |
| Noninterest expense to average assets | 2.9632% | 2,957 |
| Loan and lease loss provision to assets | 0.8636% | 141 |
| Net operating income to assets | -0.0717% | 6,134 |
| Return on assets (ROA) | -0.0682% | 6,142 |
| Pretax return on assets | -0.2035% | 6,192 |
| Return on Equity (ROE) | -0.5256% | 6,136 |
| Retained earnings to average equity (ytd only) | -9.0827% | 6,289 |
| Net charge-offs to loans | 0.9737% | 319 |
| Credit loss provision to net charge-offs | 106.7220% | 2,242 |
| Earnings coverage of net charge-offs (x) | 0.8089% | 4,561 |
| Efficiency ratio | 81.9067% | 1,676 |
| Assets per employee ($millions) | 5.3132% | 1,943 |
| Cash dividends to net income (ytd only)* | -1,628.1250% | 6,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,340 |
| Loan loss allowance to noncurrent loans | 44.0186% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9201% | 1,343 |
| Noncurrent loans to loans | 2.1331% | 1,271 |
| Net loans and leases to total assets | 81.5282% | 573 |
| Net loans and leases to deposits | 106.1236% | 352 |
| Net loans and leases to core deposits | 118.9661% | 437 |
| Total domestic deposits to total assets | 76.8239% | 5,627 |
| Equity capital to assets | 11.7852% | 2,188 |
| Core capital (leverage) ratio | 11.8035% | 1,760 |
| Tier 1 risk-based capital ratio | 14.0875% | 4,036 |
| Total risk-based capital ratio | 15.0371% | 4,176 |
| Memoranda: | ||
| Average total assets | $610,323,600 | 1,086 |
| Average earning assets | $565,457,600 | 1,073 |
| Average equity | $79,150,800 | 924 |
| Average total loans | $507,249,600 | 881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,197 |
| Cost of funding earning assets | 0.7263% | 1,012 |
| Net interest margin | 3.4168% | 4,164 |
| Noninterest income to average assets | 0.4785% | 3,698 |
| Noninterest expense to average assets | 3.0238% | 2,720 |
| Loan and lease loss provision to assets | 1.1492% | 87 |
| Net operating income to assets | -0.1913% | 6,261 |
| Return on assets (ROA) | -0.1865% | 6,266 |
| Pretax return on assets | -0.5273% | 6,360 |
| Return on Equity (ROE) | -1.4039% | 6,254 |
| Retained earnings to average equity (ytd only) | -4.3532% | 6,229 |
| Net charge-offs to loans | 1.2925% | 205 |
| Credit loss provision to net charge-offs | 106.7077% | 2,087 |
| Earnings coverage of net charge-offs (x) | 0.5705% | 4,358 |
| Efficiency ratio | 83.1127% | 1,481 |
| Assets per employee ($millions) | 5.0300% | 2,204 |
| Cash dividends to net income (ytd only)* | -210.0701% | 6,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 5,397 |
| Loan loss allowance to noncurrent loans | 41.3718% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 1,348 |
| Noncurrent loans to loans | 2.3115% | 1,295 |
| Net loans and leases to total assets | 81.7292% | 537 |
| Net loans and leases to deposits | 107.8983% | 269 |
| Net loans and leases to core deposits | 118.8923% | 419 |
| Total domestic deposits to total assets | 75.7465% | 5,850 |
| Equity capital to assets | 12.7504% | 1,554 |
| Core capital (leverage) ratio | 13.2187% | 1,091 |
| Tier 1 risk-based capital ratio | 15.4792% | 3,336 |
| Total risk-based capital ratio | 16.4389% | 3,423 |
| Memoranda: | ||
| Average total assets | $603,509,750 | 1,106 |
| Average earning assets | $558,086,000 | 1,096 |
| Average equity | $80,153,500 | 917 |
| Average total loans | $502,878,500 | 890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,212 |
| Cost of funding earning assets | 0.7375% | 982 |
| Net interest margin | 3.3969% | 4,190 |
| Noninterest income to average assets | 0.4243% | 4,058 |
| Noninterest expense to average assets | 3.0377% | 2,704 |
| Loan and lease loss provision to assets | 1.6673% | 47 |
| Net operating income to assets | -0.4671% | 6,426 |
| Return on assets (ROA) | -0.4598% | 6,423 |
| Pretax return on assets | -1.1281% | 6,526 |
| Return on Equity (ROE) | -3.4145% | 6,395 |
| Retained earnings to average equity (ytd only) | -7.8270% | 6,369 |
| Net charge-offs to loans | 1.9561% | 116 |
| Credit loss provision to net charge-offs | 101.9467% | 1,950 |
| Earnings coverage of net charge-offs (x) | 0.3227% | 4,069 |
| Efficiency ratio | 85.1960% | 1,360 |
| Assets per employee ($millions) | 4.8785% | 2,366 |
| Cash dividends to net income (ytd only)* | -129.2274% | 6,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 5,683 |
| Loan loss allowance to noncurrent loans | 43.2151% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9872% | 1,617 |
| Noncurrent loans to loans | 2.1147% | 1,567 |
| Net loans and leases to total assets | 84.0772% | 294 |
| Net loans and leases to deposits | 110.0990% | 206 |
| Net loans and leases to core deposits | 121.3735% | 347 |
| Total domestic deposits to total assets | 76.3652% | 5,871 |
| Equity capital to assets | 13.0365% | 1,353 |
| Core capital (leverage) ratio | 13.2465% | 1,065 |
| Tier 1 risk-based capital ratio | 15.2778% | 3,481 |
| Total risk-based capital ratio | 16.1906% | 3,615 |
| Memoranda: | ||
| Average total assets | $596,774,330 | 1,119 |
| Average earning assets | $551,860,670 | 1,106 |
| Average equity | $80,362,670 | 909 |
| Average total loans | $498,944,670 | 893 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 3,298 |
| Cost of funding earning assets | 0.7438% | 996 |
| Net interest margin | 3.3531% | 4,322 |
| Noninterest income to average assets | 0.3746% | 4,388 |
| Noninterest expense to average assets | 3.0390% | 2,732 |
| Loan and lease loss provision to assets | 1.4854% | 67 |
| Net operating income to assets | -0.9232% | 6,563 |
| Return on assets (ROA) | -0.9030% | 6,559 |
| Pretax return on assets | -1.0204% | 6,564 |
| Return on Equity (ROE) | -6.5982% | 6,503 |
| Retained earnings to average equity (ytd only) | -6.5982% | 6,212 |
| Net charge-offs to loans | 1.8993% | 142 |
| Credit loss provision to net charge-offs | 94.2612% | 1,762 |
| Earnings coverage of net charge-offs (x) | 0.2805% | 3,383 |
| Efficiency ratio | 87.3013% | 1,307 |
| Assets per employee ($millions) | 4.6776% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 5,855 |
| Loan loss allowance to noncurrent loans | 43.1820% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 2,013 |
| Noncurrent loans to loans | 2.0952% | 1,763 |
| Net loans and leases to total assets | 81.6234% | 385 |
| Net loans and leases to deposits | 106.2095% | 234 |
| Net loans and leases to core deposits | 117.2760% | 376 |
| Total domestic deposits to total assets | 76.8513% | 5,984 |
| Equity capital to assets | 13.4470% | 1,117 |
| Core capital (leverage) ratio | 13.6957% | 923 |
| Tier 1 risk-based capital ratio | 16.2855% | 3,016 |
| Total risk-based capital ratio | 17.1922% | 3,147 |
| Memoranda: | ||
| Average total assets | $592,695,000 | 1,131 |
| Average earning assets | $549,096,500 | 1,120 |
| Average equity | $81,113,000 | 903 |
| Average total loans | $491,766,000 | 904 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 3,322 |
| Cost of funding earning assets | 0.8645% | 889 |
| Net interest margin | 3.3428% | 4,509 |
| Noninterest income to average assets | 0.5153% | 3,664 |
| Noninterest expense to average assets | 2.9284% | 3,282 |
| Loan and lease loss provision to assets | 0.0715% | 3,687 |
| Net operating income to assets | 0.4753% | 4,839 |
| Return on assets (ROA) | 0.4802% | 4,961 |
| Pretax return on assets | 0.6055% | 4,864 |
| Return on Equity (ROE) | 3.5480% | 5,303 |
| Retained earnings to average equity (ytd only) | 0.4836% | 5,625 |
| Net charge-offs to loans | 0.0411% | 4,650 |
| Credit loss provision to net charge-offs | 220.2073% | 1,040 |
| Earnings coverage of net charge-offs (x) | 20.6580% | 1,537 |
| Efficiency ratio | 81.3622% | 1,968 |
| Assets per employee ($millions) | 4.5478% | 2,824 |
| Cash dividends to net income (ytd only)* | 86.3700% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 5,807 |
| Loan loss allowance to noncurrent loans | 67.4791% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 2,946 |
| Noncurrent loans to loans | 1.3890% | 2,813 |
| Net loans and leases to total assets | 82.8027% | 341 |
| Net loans and leases to deposits | 107.0570% | 231 |
| Net loans and leases to core deposits | 119.2064% | 345 |
| Total domestic deposits to total assets | 77.3445% | 5,928 |
| Equity capital to assets | 13.9288% | 929 |
| Core capital (leverage) ratio | 14.0340% | 817 |
| Tier 1 risk-based capital ratio | 16.5332% | 2,841 |
| Total risk-based capital ratio | 17.4752% | 2,948 |
| Memoranda: | ||
| Average total assets | $594,360,000 | 1,119 |
| Average earning assets | $548,320,800 | 1,101 |
| Average equity | $80,440,800 | 889 |
| Average total loans | $470,095,800 | 906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,300 |
| Cost of funding earning assets | 0.8890% | 861 |
| Net interest margin | 3.3347% | 4,515 |
| Noninterest income to average assets | 0.5351% | 3,558 |
| Noninterest expense to average assets | 2.9871% | 3,036 |
| Loan and lease loss provision to assets | 0.0604% | 3,843 |
| Net operating income to assets | 0.4477% | 5,033 |
| Return on assets (ROA) | 0.4477% | 5,173 |
| Pretax return on assets | 0.5590% | 5,174 |
| Return on Equity (ROE) | 3.3315% | 5,490 |
| Retained earnings to average equity (ytd only) | -0.7705% | 6,097 |
| Net charge-offs to loans | 0.0559% | 4,111 |
| Credit loss provision to net charge-offs | 138.4615% | 1,688 |
| Earnings coverage of net charge-offs (x) | 14.2053% | 1,961 |
| Efficiency ratio | 82.8260% | 1,724 |
| Assets per employee ($millions) | 4.5081% | 2,871 |
| Cash dividends to net income (ytd only)* | 123.1265% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,909 |
| Loan loss allowance to noncurrent loans | 61.9539% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 3,107 |
| Noncurrent loans to loans | 1.5378% | 2,861 |
| Net loans and leases to total assets | 76.3949% | 955 |
| Net loans and leases to deposits | 94.5123% | 795 |
| Net loans and leases to core deposits | 104.9375% | 824 |
| Total domestic deposits to total assets | 80.8306% | 5,259 |
| Equity capital to assets | 13.3570% | 1,179 |
| Core capital (leverage) ratio | 13.5648% | 998 |
| Tier 1 risk-based capital ratio | 16.2270% | 3,072 |
| Total risk-based capital ratio | 17.1347% | 3,208 |
| Memoranda: | ||
| Average total assets | $596,284,750 | 1,126 |
| Average earning assets | $549,202,000 | 1,112 |
| Average equity | $80,122,250 | 900 |
| Average total loans | $465,028,000 | 917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,138 |
| Cost of funding earning assets | 0.9079% | 863 |
| Net interest margin | 3.3466% | 4,393 |
| Noninterest income to average assets | 0.5488% | 3,508 |
| Noninterest expense to average assets | 3.0232% | 2,925 |
| Loan and lease loss provision to assets | 0.0195% | 4,506 |
| Net operating income to assets | 0.4750% | 4,902 |
| Return on assets (ROA) | 0.4750% | 5,086 |
| Pretax return on assets | 0.6030% | 5,000 |
| Return on Equity (ROE) | 3.5279% | 5,408 |
| Retained earnings to average equity (ytd only) | -2.6397% | 6,267 |
| Net charge-offs to loans | 0.0374% | 4,159 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | 21.2414% | 1,421 |
| Efficiency ratio | 82.9237% | 1,767 |
| Assets per employee ($millions) | 4.3840% | 3,027 |
| Cash dividends to net income (ytd only)* | 174.8227% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,026 |
| Loan loss allowance to noncurrent loans | 134.7110% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 4,622 |
| Noncurrent loans to loans | 0.6978% | 4,540 |
| Net loans and leases to total assets | 76.6243% | 907 |
| Net loans and leases to deposits | 96.6018% | 629 |
| Net loans and leases to core deposits | 108.5541% | 623 |
| Total domestic deposits to total assets | 79.3197% | 5,750 |
| Equity capital to assets | 13.4030% | 1,182 |
| Core capital (leverage) ratio | 13.5898% | 943 |
| Tier 1 risk-based capital ratio | 16.3854% | 2,995 |
| Total risk-based capital ratio | 17.2767% | 3,123 |
| Memoranda: | ||
| Average total assets | $593,683,330 | 1,130 |
| Average earning assets | $549,389,670 | 1,110 |
| Average equity | $79,933,670 | 904 |
| Average total loans | $464,726,670 | 913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,887 |
| Cost of funding earning assets | 0.9105% | 941 |
| Net interest margin | 3.3901% | 4,154 |
| Noninterest income to average assets | 0.5685% | 3,317 |
| Noninterest expense to average assets | 3.0107% | 2,955 |
| Loan and lease loss provision to assets | -0.0466% | 6,788 |
| Net operating income to assets | 0.5814% | 4,306 |
| Return on assets (ROA) | 0.5814% | 4,457 |
| Pretax return on assets | 0.7421% | 4,403 |
| Return on Equity (ROE) | 4.3080% | 4,936 |
| Retained earnings to average equity (ytd only) | -8.0256% | 6,529 |
| Net charge-offs to loans | -0.0257% | 5,832 |
| Credit loss provision to net charge-offs | 230.0000% | 989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2352% | 2,162 |
| Assets per employee ($millions) | 4.3699% | 3,205 |
| Cash dividends to net income (ytd only)* | 286.2950% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 6,176 |
| Loan loss allowance to noncurrent loans | 111.2397% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 4,503 |
| Noncurrent loans to loans | 0.8391% | 4,442 |
| Net loans and leases to total assets | 78.3864% | 573 |
| Net loans and leases to deposits | 100.6354% | 327 |
| Net loans and leases to core deposits | 113.5361% | 402 |
| Total domestic deposits to total assets | 77.8915% | 6,124 |
| Equity capital to assets | 13.5291% | 1,204 |
| Core capital (leverage) ratio | 13.2739% | 1,021 |
| Tier 1 risk-based capital ratio | 16.0739% | 3,220 |
| Total risk-based capital ratio | 16.9729% | 3,372 |
| Memoranda: | ||
| Average total assets | $592,412,500 | 1,144 |
| Average earning assets | $548,295,000 | 1,125 |
| Average equity | $79,944,500 | 919 |
| Average total loans | $466,496,000 | 910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 3,884 |
| Cost of funding earning assets | 1.0832% | 968 |
| Net interest margin | 3.2991% | 5,249 |
| Noninterest income to average assets | 0.5050% | 3,866 |
| Noninterest expense to average assets | 2.9045% | 3,615 |
| Loan and lease loss provision to assets | 0.0729% | 4,813 |
| Net operating income to assets | 0.4542% | 4,873 |
| Return on assets (ROA) | 0.4492% | 5,134 |
| Pretax return on assets | 0.5525% | 5,126 |
| Return on Equity (ROE) | 3.4074% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.4484% | 5,146 |
| Net charge-offs to loans | 0.1415% | 4,279 |
| Credit loss provision to net charge-offs | 67.6876% | 4,229 |
| Earnings coverage of net charge-offs (x) | 5.8606% | 2,931 |
| Efficiency ratio | 82.1385% | 1,849 |
| Assets per employee ($millions) | 4.5745% | 2,829 |
| Cash dividends to net income (ytd only)* | 57.4945% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,195 |
| Loan loss allowance to noncurrent loans | 109.4283% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 4,569 |
| Noncurrent loans to loans | 0.8491% | 4,485 |
| Net loans and leases to total assets | 77.6457% | 715 |
| Net loans and leases to deposits | 99.1551% | 450 |
| Net loans and leases to core deposits | 111.5635% | 486 |
| Total domestic deposits to total assets | 78.3073% | 6,029 |
| Equity capital to assets | 13.4611% | 1,244 |
| Core capital (leverage) ratio | 13.5038% | 942 |
| Tier 1 risk-based capital ratio | 16.5100% | 2,881 |
| Total risk-based capital ratio | 17.4104% | 3,026 |
| Memoranda: | ||
| Average total assets | $605,920,400 | 1,096 |
| Average earning assets | $556,703,800 | 1,089 |
| Average equity | $79,883,800 | 876 |
| Average total loans | $461,417,200 | 895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 4,124 |
| Cost of funding earning assets | 1.1186% | 990 |
| Net interest margin | 3.2636% | 5,501 |
| Noninterest income to average assets | 0.4562% | 4,239 |
| Noninterest expense to average assets | 2.9717% | 3,334 |
| Loan and lease loss provision to assets | 0.0527% | 5,093 |
| Net operating income to assets | 0.3548% | 5,414 |
| Return on assets (ROA) | 0.3548% | 5,623 |
| Pretax return on assets | 0.4257% | 5,657 |
| Return on Equity (ROE) | 2.7055% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,931 |
| Net charge-offs to loans | 0.1202% | 4,173 |
| Credit loss provision to net charge-offs | 57.9710% | 4,206 |
| Earnings coverage of net charge-offs (x) | 5.2657% | 3,064 |
| Efficiency ratio | 86.1341% | 1,365 |
| Assets per employee ($millions) | 4.6325% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,300 |
| Loan loss allowance to noncurrent loans | 124.7449% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 5,008 |
| Noncurrent loans to loans | 0.7460% | 4,929 |
| Net loans and leases to total assets | 77.2024% | 828 |
| Net loans and leases to deposits | 98.3207% | 525 |
| Net loans and leases to core deposits | 110.8763% | 542 |
| Total domestic deposits to total assets | 78.5210% | 5,959 |
| Equity capital to assets | 13.3407% | 1,418 |
| Core capital (leverage) ratio | 13.4917% | 1,014 |
| Tier 1 risk-based capital ratio | 16.4786% | 3,013 |
| Total risk-based capital ratio | 17.3832% | 3,174 |
| Memoranda: | ||
| Average total assets | $607,586,000 | 1,099 |
| Average earning assets | $557,374,000 | 1,093 |
| Average equity | $79,688,000 | 879 |
| Average total loans | $459,356,000 | 900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 4,307 |
| Cost of funding earning assets | 1.1452% | 1,051 |
| Net interest margin | 3.2249% | 5,659 |
| Noninterest income to average assets | 0.4801% | 4,057 |
| Noninterest expense to average assets | 3.0696% | 3,018 |
| Loan and lease loss provision to assets | 0.0230% | 5,379 |
| Net operating income to assets | 0.3159% | 5,563 |
| Return on assets (ROA) | 0.3159% | 5,769 |
| Pretax return on assets | 0.3544% | 5,817 |
| Return on Equity (ROE) | 2.4223% | 5,909 |
| Retained earnings to average equity (ytd only) | 2.4223% | 4,980 |
| Net charge-offs to loans | 0.0717% | 4,429 |
| Credit loss provision to net charge-offs | 42.9448% | 4,193 |
| Earnings coverage of net charge-offs (x) | 7.0368% | 2,533 |
| Efficiency ratio | 89.0512% | 1,141 |
| Assets per employee ($millions) | 4.4081% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,245 |
| Loan loss allowance to noncurrent loans | 120.0965% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 4,714 |
| Noncurrent loans to loans | 0.8128% | 4,886 |
| Net loans and leases to total assets | 75.2876% | 1,065 |
| Net loans and leases to deposits | 99.6157% | 438 |
| Net loans and leases to core deposits | 113.5959% | 464 |
| Total domestic deposits to total assets | 75.5780% | 6,521 |
| Equity capital to assets | 13.2733% | 1,405 |
| Core capital (leverage) ratio | 13.1889% | 1,096 |
| Tier 1 risk-based capital ratio | 16.6845% | 2,813 |
| Total risk-based capital ratio | 17.6331% | 2,935 |
| Memoranda: | ||
| Average total assets | $607,828,670 | 1,097 |
| Average earning assets | $559,213,000 | 1,089 |
| Average equity | $79,264,330 | 877 |
| Average total loans | $454,838,000 | 908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 4,541 |
| Cost of funding earning assets | 1.1481% | 1,184 |
| Net interest margin | 3.1958% | 5,793 |
| Noninterest income to average assets | 0.4474% | 4,308 |
| Noninterest expense to average assets | 3.0686% | 3,025 |
| Loan and lease loss provision to assets | 0.0046% | 5,215 |
| Net operating income to assets | 0.2906% | 5,688 |
| Return on assets (ROA) | 0.2906% | 5,854 |
| Pretax return on assets | 0.3267% | 5,916 |
| Return on Equity (ROE) | 2.2482% | 5,990 |
| Retained earnings to average equity (ytd only) | 2.2482% | 5,133 |
| Net charge-offs to loans | 0.1184% | 3,402 |
| Credit loss provision to net charge-offs | 5.2239% | 3,954 |
| Earnings coverage of net charge-offs (x) | 3.7687% | 2,757 |
| Efficiency ratio | 90.2566% | 1,076 |
| Assets per employee ($millions) | 4.7199% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,330 |
| Loan loss allowance to noncurrent loans | 118.8987% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 5,007 |
| Noncurrent loans to loans | 0.8210% | 5,036 |
| Net loans and leases to total assets | 74.6816% | 960 |
| Net loans and leases to deposits | 99.6378% | 383 |
| Net loans and leases to core deposits | 114.3055% | 421 |
| Total domestic deposits to total assets | 74.9531% | 6,648 |
| Equity capital to assets | 13.1168% | 1,392 |
| Core capital (leverage) ratio | 12.9671% | 1,139 |
| Tier 1 risk-based capital ratio | 16.3870% | 2,970 |
| Total risk-based capital ratio | 17.3228% | 3,102 |
| Memoranda: | ||
| Average total assets | $609,787,500 | 1,091 |
| Average earning assets | $563,373,000 | 1,084 |
| Average equity | $78,817,000 | 879 |
| Average total loans | $452,681,000 | 911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 4,789 |
| Cost of funding earning assets | 1.3516% | 1,234 |
| Net interest margin | 3.2178% | 6,037 |
| Noninterest income to average assets | 0.4493% | 4,218 |
| Noninterest expense to average assets | 3.0811% | 3,263 |
| Loan and lease loss provision to assets | 0.1432% | 4,826 |
| Net operating income to assets | 0.2222% | 5,521 |
| Return on assets (ROA) | 0.2242% | 5,653 |
| Pretax return on assets | 0.2060% | 5,768 |
| Return on Equity (ROE) | 1.7157% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.7157% | 4,992 |
| Net charge-offs to loans | 0.1561% | 4,894 |
| Credit loss provision to net charge-offs | 120.8333% | 2,632 |
| Earnings coverage of net charge-offs (x) | 2.9296% | 3,740 |
| Efficiency ratio | 89.8749% | 1,203 |
| Assets per employee ($millions) | 4.8843% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,130 |
| Loan loss allowance to noncurrent loans | 97.1344% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 4,785 |
| Noncurrent loans to loans | 1.0475% | 4,614 |
| Net loans and leases to total assets | 72.3320% | 1,586 |
| Net loans and leases to deposits | 96.8311% | 636 |
| Net loans and leases to core deposits | 112.0382% | 563 |
| Total domestic deposits to total assets | 74.6991% | 6,650 |
| Equity capital to assets | 12.7374% | 1,633 |
| Core capital (leverage) ratio | 12.7873% | 1,231 |
| Tier 1 risk-based capital ratio | 16.0935% | 2,995 |
| Total risk-based capital ratio | 17.0496% | 3,117 |
| Memoranda: | ||
| Average total assets | $587,411,400 | 1,125 |
| Average earning assets | $543,818,200 | 1,097 |
| Average equity | $76,760,800 | 873 |
| Average total loans | $445,850,000 | 936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 4,699 |
| Cost of funding earning assets | 1.4069% | 1,204 |
| Net interest margin | 3.2346% | 6,064 |
| Noninterest income to average assets | 0.4452% | 4,328 |
| Noninterest expense to average assets | 3.1350% | 3,037 |
| Loan and lease loss provision to assets | 0.1321% | 4,777 |
| Net operating income to assets | 0.1863% | 5,738 |
| Return on assets (ROA) | 0.1891% | 5,859 |
| Pretax return on assets | 0.1744% | 5,941 |
| Return on Equity (ROE) | 1.4371% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.4371% | 5,428 |
| Net charge-offs to loans | 0.2053% | 4,156 |
| Credit loss provision to net charge-offs | 83.9416% | 4,005 |
| Earnings coverage of net charge-offs (x) | 1.9299% | 4,202 |
| Efficiency ratio | 91.1684% | 1,095 |
| Assets per employee ($millions) | 4.6034% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,406 |
| Loan loss allowance to noncurrent loans | 109.3924% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 5,057 |
| Noncurrent loans to loans | 0.8818% | 5,094 |
| Net loans and leases to total assets | 75.2845% | 1,099 |
| Net loans and leases to deposits | 105.0107% | 282 |
| Net loans and leases to core deposits | 121.3275% | 356 |
| Total domestic deposits to total assets | 71.6923% | 6,954 |
| Equity capital to assets | 13.1402% | 1,541 |
| Core capital (leverage) ratio | 13.3615% | 1,094 |
| Tier 1 risk-based capital ratio | 15.9985% | 3,120 |
| Total risk-based capital ratio | 16.9031% | 3,278 |
| Memoranda: | ||
| Average total assets | $580,408,000 | 1,139 |
| Average earning assets | $537,138,500 | 1,122 |
| Average equity | $76,353,750 | 886 |
| Average total loans | $444,881,250 | 949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,679 |
| Cost of funding earning assets | 1.4381% | 1,243 |
| Net interest margin | 3.2281% | 6,071 |
| Noninterest income to average assets | 0.4298% | 4,427 |
| Noninterest expense to average assets | 3.1597% | 3,049 |
| Loan and lease loss provision to assets | 0.1219% | 4,757 |
| Net operating income to assets | 0.1420% | 5,906 |
| Return on assets (ROA) | 0.1462% | 5,989 |
| Pretax return on assets | 0.1399% | 6,036 |
| Return on Equity (ROE) | 1.1106% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.1106% | 5,415 |
| Net charge-offs to loans | 0.1433% | 4,339 |
| Credit loss provision to net charge-offs | 110.6918% | 2,771 |
| Earnings coverage of net charge-offs (x) | 2.3396% | 3,654 |
| Efficiency ratio | 92.4597% | 1,067 |
| Assets per employee ($millions) | 4.4881% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,350 |
| Loan loss allowance to noncurrent loans | 84.1659% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 4,863 |
| Noncurrent loans to loans | 1.1849% | 4,675 |
| Net loans and leases to total assets | 76.5628% | 990 |
| Net loans and leases to deposits | 107.5778% | 224 |
| Net loans and leases to core deposits | 123.9055% | 344 |
| Total domestic deposits to total assets | 71.1696% | 7,054 |
| Equity capital to assets | 13.2445% | 1,411 |
| Core capital (leverage) ratio | 13.0646% | 1,133 |
| Tier 1 risk-based capital ratio | 15.4065% | 3,290 |
| Total risk-based capital ratio | 16.3186% | 3,426 |
| Memoranda: | ||
| Average total assets | $577,464,670 | 1,157 |
| Average earning assets | $534,437,330 | 1,139 |
| Average equity | $75,996,000 | 890 |
| Average total loans | $443,866,330 | 969 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 4,792 |
| Cost of funding earning assets | 1.4510% | 1,379 |
| Net interest margin | 3.1869% | 6,110 |
| Noninterest income to average assets | 0.4501% | 4,286 |
| Noninterest expense to average assets | 3.1939% | 2,913 |
| Loan and lease loss provision to assets | 0.1616% | 4,012 |
| Net operating income to assets | 0.0413% | 6,249 |
| Return on assets (ROA) | 0.0492% | 6,277 |
| Pretax return on assets | 0.0520% | 6,261 |
| Return on Equity (ROE) | 0.3754% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.3754% | 5,663 |
| Net charge-offs to loans | 0.2009% | 3,301 |
| Credit loss provision to net charge-offs | 104.9550% | 2,539 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,680 |
| Efficiency ratio | 93.9604% | 1,037 |
| Assets per employee ($millions) | 4.6454% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,424 |
| Loan loss allowance to noncurrent loans | 83.6220% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 4,926 |
| Noncurrent loans to loans | 1.1878% | 4,702 |
| Net loans and leases to total assets | 76.2521% | 998 |
| Net loans and leases to deposits | 107.0050% | 231 |
| Net loans and leases to core deposits | 120.5424% | 406 |
| Total domestic deposits to total assets | 71.2603% | 7,122 |
| Equity capital to assets | 13.0776% | 1,351 |
| Core capital (leverage) ratio | 13.0849% | 1,100 |
| Tier 1 risk-based capital ratio | 15.6109% | 3,094 |
| Total risk-based capital ratio | 16.5421% | 3,224 |
| Memoranda: | ||
| Average total assets | $576,717,500 | 1,166 |
| Average earning assets | $533,686,000 | 1,148 |
| Average equity | $75,654,000 | 886 |
| Average total loans | $441,933,500 | 987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 5,302 |
| Cost of funding earning assets | 1.6519% | 1,820 |
| Net interest margin | 3.1811% | 6,310 |
| Noninterest income to average assets | 0.4458% | 4,552 |
| Noninterest expense to average assets | 3.1202% | 3,383 |
| Loan and lease loss provision to assets | 0.2198% | 5,070 |
| Net operating income to assets | 0.1015% | 5,585 |
| Return on assets (ROA) | 0.1276% | 5,660 |
| Pretax return on assets | 0.0717% | 5,755 |
| Return on Equity (ROE) | 0.8812% | 5,729 |
| Retained earnings to average equity (ytd only) | -9.0479% | 6,593 |
| Net charge-offs to loans | 0.1999% | 5,090 |
| Credit loss provision to net charge-offs | 140.7365% | 2,681 |
| Earnings coverage of net charge-offs (x) | 1.6997% | 4,451 |
| Efficiency ratio | 92.1611% | 1,172 |
| Assets per employee ($millions) | 4.5100% | 2,851 |
| Cash dividends to net income (ytd only)* | 1,126.7606% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,314 |
| Loan loss allowance to noncurrent loans | 68.4853% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,651 |
| Noncurrent loans to loans | 1.4817% | 4,258 |
| Net loans and leases to total assets | 75.4621% | 1,390 |
| Net loans and leases to deposits | 107.4399% | 280 |
| Net loans and leases to core deposits | 127.7053% | 361 |
| Total domestic deposits to total assets | 70.2366% | 7,224 |
| Equity capital to assets | 13.1590% | 1,317 |
| Core capital (leverage) ratio | 13.1792% | 1,065 |
| Tier 1 risk-based capital ratio | 16.1448% | 2,677 |
| Total risk-based capital ratio | 17.1126% | 2,773 |
| Memoranda: | ||
| Average total assets | $556,529,800 | 1,207 |
| Average earning assets | $514,320,400 | 1,198 |
| Average equity | $80,571,400 | 820 |
| Average total loans | $434,669,400 | 1,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 5,349 |
| Cost of funding earning assets | 1.6789% | 1,972 |
| Net interest margin | 3.2028% | 6,332 |
| Noninterest income to average assets | 0.4378% | 4,651 |
| Noninterest expense to average assets | 3.1303% | 3,191 |
| Loan and lease loss provision to assets | 0.1837% | 5,206 |
| Net operating income to assets | 0.1233% | 5,706 |
| Return on assets (ROA) | 0.1204% | 5,878 |
| Pretax return on assets | 0.0780% | 5,956 |
| Return on Equity (ROE) | 0.8126% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.8126% | 5,484 |
| Net charge-offs to loans | 0.1753% | 4,913 |
| Credit loss provision to net charge-offs | 133.2750% | 3,034 |
| Earnings coverage of net charge-offs (x) | 1.9195% | 4,269 |
| Efficiency ratio | 92.2087% | 1,112 |
| Assets per employee ($millions) | 4.5044% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,502 |
| Loan loss allowance to noncurrent loans | 70.5873% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 4,886 |
| Noncurrent loans to loans | 1.3811% | 4,555 |
| Net loans and leases to total assets | 76.3675% | 1,339 |
| Net loans and leases to deposits | 112.2911% | 213 |
| Net loans and leases to core deposits | 132.9830% | 336 |
| Total domestic deposits to total assets | 68.0086% | 7,379 |
| Equity capital to assets | 14.5867% | 998 |
| Core capital (leverage) ratio | 14.7389% | 770 |
| Tier 1 risk-based capital ratio | 18.2227% | 1,960 |
| Total risk-based capital ratio | 19.1804% | 2,010 |
| Memoranda: | ||
| Average total assets | $552,471,250 | 1,221 |
| Average earning assets | $510,077,250 | 1,217 |
| Average equity | $81,871,750 | 804 |
| Average total loans | $434,174,000 | 1,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 5,223 |
| Cost of funding earning assets | 1.6967% | 2,134 |
| Net interest margin | 3.2437% | 6,188 |
| Noninterest income to average assets | 0.4428% | 4,581 |
| Noninterest expense to average assets | 3.2168% | 2,844 |
| Loan and lease loss provision to assets | 0.1407% | 5,487 |
| Net operating income to assets | 0.0725% | 5,942 |
| Return on assets (ROA) | 0.0680% | 6,049 |
| Pretax return on assets | 0.0712% | 6,032 |
| Return on Equity (ROE) | 0.4561% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.4561% | 5,580 |
| Net charge-offs to loans | 0.1566% | 4,693 |
| Credit loss provision to net charge-offs | 113.5693% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1.7493% | 4,206 |
| Efficiency ratio | 93.6901% | 1,081 |
| Assets per employee ($millions) | 4.2716% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,624 |
| Loan loss allowance to noncurrent loans | 83.1418% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 5,247 |
| Noncurrent loans to loans | 1.1324% | 5,064 |
| Net loans and leases to total assets | 78.1204% | 1,096 |
| Net loans and leases to deposits | 116.8949% | 164 |
| Net loans and leases to core deposits | 135.5544% | 337 |
| Total domestic deposits to total assets | 66.8296% | 7,491 |
| Equity capital to assets | 14.7872% | 925 |
| Core capital (leverage) ratio | 14.8038% | 762 |
| Tier 1 risk-based capital ratio | 18.5043% | 1,833 |
| Total risk-based capital ratio | 19.4500% | 1,871 |
| Memoranda: | ||
| Average total assets | $547,442,330 | 1,243 |
| Average earning assets | $504,731,000 | 1,236 |
| Average equity | $81,566,330 | 801 |
| Average total loans | $432,999,670 | 1,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 5,291 |
| Cost of funding earning assets | 1.7188% | 2,296 |
| Net interest margin | 3.2158% | 6,243 |
| Noninterest income to average assets | 0.4563% | 4,413 |
| Noninterest expense to average assets | 3.2294% | 2,763 |
| Loan and lease loss provision to assets | 0.2009% | 4,490 |
| Net operating income to assets | -0.0096% | 6,315 |
| Return on assets (ROA) | -0.0191% | 6,423 |
| Pretax return on assets | -0.0177% | 6,382 |
| Return on Equity (ROE) | -0.1279% | 6,424 |
| Retained earnings to average equity (ytd only) | -0.1279% | 5,865 |
| Net charge-offs to loans | 0.0437% | 4,983 |
| Credit loss provision to net charge-offs | 580.8511% | 749 |
| Earnings coverage of net charge-offs (x) | 5.5745% | 2,369 |
| Efficiency ratio | 94.3656% | 1,119 |
| Assets per employee ($millions) | 4.2192% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,493 |
| Loan loss allowance to noncurrent loans | 89.5153% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 5,367 |
| Noncurrent loans to loans | 1.1133% | 5,134 |
| Net loans and leases to total assets | 78.5383% | 1,053 |
| Net loans and leases to deposits | 119.5056% | 143 |
| Net loans and leases to core deposits | 137.9738% | 353 |
| Total domestic deposits to total assets | 65.7193% | 7,625 |
| Equity capital to assets | 14.9762% | 887 |
| Core capital (leverage) ratio | 14.8156% | 788 |
| Tier 1 risk-based capital ratio | 18.6826% | 1,797 |
| Total risk-based capital ratio | 19.6981% | 1,815 |
| Memoranda: | ||
| Average total assets | $543,507,500 | 1,286 |
| Average earning assets | $501,276,500 | 1,280 |
| Average equity | $81,292,000 | 812 |
| Average total loans | $430,532,000 | 1,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 6,495 |
| Cost of funding earning assets | 1.9579% | 3,172 |
| Net interest margin | 3.0233% | 6,586 |
| Noninterest income to average assets | 0.4808% | 4,555 |
| Noninterest expense to average assets | 3.2314% | 3,270 |
| Loan and lease loss provision to assets | 0.1675% | 6,014 |
| Net operating income to assets | -0.1153% | 5,697 |
| Return on assets (ROA) | -0.3038% | 5,973 |
| Pretax return on assets | -0.3787% | 5,898 |
| Return on Equity (ROE) | -2.0172% | 5,860 |
| Retained earnings to average equity (ytd only) | -2.6371% | 5,638 |
| Net charge-offs to loans | 0.0363% | 6,761 |
| Credit loss provision to net charge-offs | 586.2745% | 509 |
| Earnings coverage of net charge-offs (x) | 0.8562% | 5,254 |
| Efficiency ratio | 99.2487% | 1,142 |
| Assets per employee ($millions) | 4.2073% | 3,427 |
| Cash dividends to net income (ytd only)* | -30.7314% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,634 |
| Loan loss allowance to noncurrent loans | 84.1660% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 5,280 |
| Noncurrent loans to loans | 1.1284% | 5,077 |
| Net loans and leases to total assets | 78.3468% | 1,308 |
| Net loans and leases to deposits | 114.5123% | 256 |
| Net loans and leases to core deposits | 156.4219% | 387 |
| Total domestic deposits to total assets | 68.4178% | 7,518 |
| Equity capital to assets | 14.9376% | 926 |
| Core capital (leverage) ratio | 15.0512% | 772 |
| Tier 1 risk-based capital ratio | 19.3756% | 1,575 |
| Total risk-based capital ratio | 20.3658% | 1,594 |
| Memoranda: | ||
| Average total assets | $535,557,200 | 1,290 |
| Average earning assets | $491,585,800 | 1,286 |
| Average equity | $80,657,400 | 804 |
| Average total loans | $421,039,400 | 1,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 6,665 |
| Cost of funding earning assets | 2.0008% | 3,355 |
| Net interest margin | 2.9787% | 6,664 |
| Noninterest income to average assets | 0.4903% | 4,577 |
| Noninterest expense to average assets | 3.5893% | 2,046 |
| Loan and lease loss provision to assets | 0.1374% | 5,976 |
| Net operating income to assets | -0.3253% | 6,236 |
| Return on assets (ROA) | -0.3250% | 6,251 |
| Pretax return on assets | -0.5028% | 6,301 |
| Return on Equity (ROE) | -2.1534% | 6,116 |
| Retained earnings to average equity (ytd only) | -2.1534% | 5,754 |
| Net charge-offs to loans | 0.0436% | 6,296 |
| Credit loss provision to net charge-offs | 401.4599% | 987 |
| Earnings coverage of net charge-offs (x) | -10.6935% | 6,904 |
| Efficiency ratio | 111.3531% | 743 |
| Assets per employee ($millions) | 4.2384% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,787 |
| Loan loss allowance to noncurrent loans | 132.3207% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 6,036 |
| Noncurrent loans to loans | 0.6749% | 5,953 |
| Net loans and leases to total assets | 76.0368% | 1,990 |
| Net loans and leases to deposits | 106.5676% | 624 |
| Net loans and leases to core deposits | 141.4592% | 855 |
| Total domestic deposits to total assets | 71.3508% | 7,297 |
| Equity capital to assets | 14.8854% | 1,037 |
| Core capital (leverage) ratio | 15.1451% | 829 |
| Tier 1 risk-based capital ratio | 20.0165% | 1,556 |
| Total risk-based capital ratio | 20.9382% | 1,578 |
| Memoranda: | ||
| Average total assets | $533,760,750 | 1,304 |
| Average earning assets | $489,725,500 | 1,301 |
| Average equity | $80,553,500 | 812 |
| Average total loans | $418,974,500 | 1,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 6,642 |
| Cost of funding earning assets | 2.0180% | 3,690 |
| Net interest margin | 3.0241% | 6,476 |
| Noninterest income to average assets | 0.5119% | 4,340 |
| Noninterest expense to average assets | 3.2801% | 3,053 |
| Loan and lease loss provision to assets | 0.0623% | 6,586 |
| Net operating income to assets | -0.0126% | 5,872 |
| Return on assets (ROA) | -0.0060% | 5,931 |
| Pretax return on assets | -0.0544% | 5,944 |
| Return on Equity (ROE) | -0.0399% | 5,935 |
| Retained earnings to average equity (ytd only) | -0.0399% | 5,223 |
| Net charge-offs to loans | 0.0110% | 6,411 |
| Credit loss provision to net charge-offs | 717.3913% | 661 |
| Earnings coverage of net charge-offs (x) | -0.2609% | 5,926 |
| Efficiency ratio | 100.0691% | 1,173 |
| Assets per employee ($millions) | 4.1388% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 7,049 |
| Loan loss allowance to noncurrent loans | 126.3636% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 6,049 |
| Noncurrent loans to loans | 0.6577% | 5,942 |
| Net loans and leases to total assets | 77.0696% | 1,936 |
| Net loans and leases to deposits | 108.9981% | 607 |
| Net loans and leases to core deposits | 145.9305% | 760 |
| Total domestic deposits to total assets | 70.7073% | 7,405 |
| Equity capital to assets | 15.0228% | 1,020 |
| Core capital (leverage) ratio | 15.2389% | 871 |
| Tier 1 risk-based capital ratio | 19.4393% | 1,691 |
| Total risk-based capital ratio | 20.2832% | 1,724 |
| Memoranda: | ||
| Average total assets | $529,429,000 | 1,328 |
| Average earning assets | $484,241,000 | 1,334 |
| Average equity | $80,275,670 | 823 |
| Average total loans | $418,805,330 | 1,193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 6,689 |
| Cost of funding earning assets | 2.0699% | 3,794 |
| Net interest margin | 3.0153% | 6,440 |
| Noninterest income to average assets | 0.4966% | 4,347 |
| Noninterest expense to average assets | 3.0903% | 3,412 |
| Loan and lease loss provision to assets | 0.0716% | 6,065 |
| Net operating income to assets | 0.0755% | 6,052 |
| Return on assets (ROA) | 0.1013% | 6,141 |
| Pretax return on assets | 0.1074% | 6,150 |
| Return on Equity (ROE) | 0.6650% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.6650% | 5,395 |
| Net charge-offs to loans | 0.0095% | 5,518 |
| Credit loss provision to net charge-offs | 940.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,400 |
| Efficiency ratio | 95.3242% | 1,359 |
| Assets per employee ($millions) | 4.0307% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 7,100 |
| Loan loss allowance to noncurrent loans | 119.1838% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,682 |
| Noncurrent loans to loans | 0.6848% | 5,693 |
| Net loans and leases to total assets | 79.2428% | 1,532 |
| Net loans and leases to deposits | 117.0963% | 354 |
| Net loans and leases to core deposits | 154.2523% | 593 |
| Total domestic deposits to total assets | 67.6732% | 7,615 |
| Equity capital to assets | 15.2706% | 1,023 |
| Core capital (leverage) ratio | 15.0627% | 956 |
| Tier 1 risk-based capital ratio | 19.2585% | 1,765 |
| Total risk-based capital ratio | 20.0919% | 1,803 |
| Memoranda: | ||
| Average total assets | $525,123,000 | 1,346 |
| Average earning assets | $478,088,000 | 1,355 |
| Average equity | $79,999,000 | 826 |
| Average total loans | $419,137,500 | 1,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 7,263 |
| Cost of funding earning assets | 2.5475% | 3,967 |
| Net interest margin | 2.9683% | 6,991 |
| Noninterest income to average assets | 0.4117% | 5,379 |
| Noninterest expense to average assets | 2.9364% | 4,315 |
| Loan and lease loss provision to assets | 0.0624% | 6,623 |
| Net operating income to assets | 0.1069% | 6,094 |
| Return on assets (ROA) | 0.0993% | 5,959 |
| Pretax return on assets | 0.1493% | 5,846 |
| Return on Equity (ROE) | 0.6264% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.6264% | 4,865 |
| Net charge-offs to loans | 0.0146% | 6,689 |
| Credit loss provision to net charge-offs | 533.8983% | 819 |
| Earnings coverage of net charge-offs (x) | 19.0678% | 1,661 |
| Efficiency ratio | 92.9418% | 1,329 |
| Assets per employee ($millions) | 4.0795% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 7,129 |
| Loan loss allowance to noncurrent loans | 114.3396% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 5,383 |
| Noncurrent loans to loans | 0.6946% | 5,300 |
| Net loans and leases to total assets | 79.1061% | 1,863 |
| Net loans and leases to deposits | 121.6683% | 354 |
| Net loans and leases to core deposits | 160.6973% | 561 |
| Total domestic deposits to total assets | 65.0179% | 7,724 |
| Equity capital to assets | 15.1982% | 1,114 |
| Core capital (leverage) ratio | 15.2824% | 963 |
| Tier 1 risk-based capital ratio | 19.1003% | 1,791 |
| Total risk-based capital ratio | 19.9039% | 1,829 |
| Memoranda: | ||
| Average total assets | $504,499,000 | 1,340 |
| Average earning assets | $467,002,000 | 1,332 |
| Average equity | $79,974,600 | 836 |
| Average total loans | $403,278,000 | 1,205 |