Home > Commonwealth Bank and Trust Company > Performance and Condition Ratios
Commonwealth Bank and Trust Company, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 3,591 |
| Cost of funding earning assets | 0.2558% | 2,861 |
| Net interest margin | 2.8907% | 3,469 |
| Noninterest income to average assets | 3.0671% | 176 |
| Noninterest expense to average assets | 4.5337% | 211 |
| Loan and lease loss provision to assets | 0.0245% | 2,572 |
| Net operating income to assets | 1.2383% | 1,781 |
| Return on assets (ROA) | 1.2396% | 1,839 |
| Pretax return on assets | 1.2396% | 2,555 |
| Return on Equity (ROE) | 13.0238% | 1,462 |
| Retained earnings to average equity (ytd only) | 3.1467% | 3,567 |
| Net charge-offs to loans | 0.0108% | 2,157 |
| Credit loss provision to net charge-offs | 361.4458% | 966 |
| Earnings coverage of net charge-offs (x) | 186.5783% | 566 |
| Efficiency ratio | 78.2151% | 930 |
| Assets per employee ($millions) | 6.1298% | 2,634 |
| Cash dividends to net income (ytd only)* | 75.8387% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3670% | 348 |
| Loan loss allowance to noncurrent loans | 360.2633% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,846 |
| Noncurrent loans to loans | 0.6570% | 1,522 |
| Net loans and leases to total assets | 51.2517% | 3,144 |
| Net loans and leases to deposits | 66.3314% | 2,481 |
| Net loans and leases to core deposits | 67.7994% | 2,669 |
| Total domestic deposits to total assets | 77.2661% | 4,449 |
| Equity capital to assets | 9.1066% | 3,507 |
| Core capital (leverage) ratio | 9.5723% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5675% | 1,661 |
| Memoranda: | ||
| Average total assets | $1,226,381,200 | 811 |
| Average earning assets | $1,157,906,400 | 801 |
| Average equity | $116,724,600 | 892 |
| Average total loans | $767,595,200 | 821 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 3,452 |
| Cost of funding earning assets | 0.2691% | 2,909 |
| Net interest margin | 3.0049% | 3,289 |
| Noninterest income to average assets | 3.5587% | 166 |
| Noninterest expense to average assets | 4.9536% | 179 |
| Loan and lease loss provision to assets | 0.0331% | 2,335 |
| Net operating income to assets | 1.4037% | 1,531 |
| Return on assets (ROA) | 1.4056% | 1,578 |
| Pretax return on assets | 1.4056% | 2,310 |
| Return on Equity (ROE) | 14.5984% | 1,229 |
| Retained earnings to average equity (ytd only) | 2.7590% | 3,981 |
| Net charge-offs to loans | 0.0556% | 1,095 |
| Credit loss provision to net charge-offs | 91.1854% | 1,657 |
| Earnings coverage of net charge-offs (x) | 39.5714% | 1,374 |
| Efficiency ratio | 77.5158% | 917 |
| Assets per employee ($millions) | 4.8744% | 3,818 |
| Cash dividends to net income (ytd only)* | 81.1008% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 479 |
| Loan loss allowance to noncurrent loans | 508.9629% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 2,444 |
| Noncurrent loans to loans | 0.4272% | 2,279 |
| Net loans and leases to total assets | 60.8958% | 2,146 |
| Net loans and leases to deposits | 73.2478% | 1,933 |
| Net loans and leases to core deposits | 74.8679% | 2,156 |
| Total domestic deposits to total assets | 83.1366% | 3,669 |
| Equity capital to assets | 9.9965% | 2,901 |
| Core capital (leverage) ratio | 9.5127% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9680% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,208,096,500 | 829 |
| Average earning assets | $1,138,459,250 | 821 |
| Average equity | $116,320,250 | 906 |
| Average total loans | $788,950,750 | 822 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 3,373 |
| Cost of funding earning assets | 0.2793% | 2,990 |
| Net interest margin | 3.0414% | 3,209 |
| Noninterest income to average assets | 3.6892% | 152 |
| Noninterest expense to average assets | 4.9202% | 179 |
| Loan and lease loss provision to assets | 0.0492% | 2,047 |
| Net operating income to assets | 1.5853% | 1,081 |
| Return on assets (ROA) | 1.5881% | 1,132 |
| Pretax return on assets | 1.5881% | 1,773 |
| Return on Equity (ROE) | 16.6986% | 826 |
| Retained earnings to average equity (ytd only) | 1.7456% | 4,176 |
| Net charge-offs to loans | 0.0470% | 1,165 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 52.4421% | 1,038 |
| Efficiency ratio | 75.0638% | 1,160 |
| Assets per employee ($millions) | 4.2683% | 4,278 |
| Cash dividends to net income (ytd only)* | 89.5465% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 502 |
| Loan loss allowance to noncurrent loans | 368.1662% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 2,204 |
| Noncurrent loans to loans | 0.5709% | 1,973 |
| Net loans and leases to total assets | 59.5336% | 2,479 |
| Net loans and leases to deposits | 74.4518% | 1,962 |
| Net loans and leases to core deposits | 76.0003% | 2,236 |
| Total domestic deposits to total assets | 79.9627% | 4,240 |
| Equity capital to assets | 9.3001% | 3,506 |
| Core capital (leverage) ratio | 9.2823% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8542% | 2,025 |
| Memoranda: | ||
| Average total assets | $1,219,222,333 | 822 |
| Average earning assets | $1,148,666,333 | 808 |
| Average equity | $115,950,000 | 895 |
| Average total loans | $808,183,000 | 811 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 2,873 |
| Cost of funding earning assets | 0.2937% | 3,061 |
| Net interest margin | 3.2223% | 2,628 |
| Noninterest income to average assets | 3.8635% | 152 |
| Noninterest expense to average assets | 5.1590% | 164 |
| Loan and lease loss provision to assets | 0.0999% | 1,351 |
| Net operating income to assets | 1.6368% | 1,045 |
| Return on assets (ROA) | 1.6384% | 1,095 |
| Pretax return on assets | 1.6384% | 1,625 |
| Return on Equity (ROE) | 17.0317% | 844 |
| Retained earnings to average equity (ytd only) | -2.7031% | 4,588 |
| Net charge-offs to loans | 0.0169% | 1,408 |
| Credit loss provision to net charge-offs | 857.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 149.0286% | 494 |
| Efficiency ratio | 74.8153% | 1,238 |
| Assets per employee ($millions) | 4.1281% | 4,398 |
| Cash dividends to net income (ytd only)* | 115.8708% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 639 |
| Loan loss allowance to noncurrent loans | 353.1400% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 2,289 |
| Noncurrent loans to loans | 0.5571% | 2,185 |
| Net loans and leases to total assets | 66.4984% | 1,733 |
| Net loans and leases to deposits | 82.6083% | 1,285 |
| Net loans and leases to core deposits | 85.5000% | 1,555 |
| Total domestic deposits to total assets | 80.4985% | 4,140 |
| Equity capital to assets | 9.4584% | 3,240 |
| Core capital (leverage) ratio | 9.1573% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5694% | 2,057 |
| Memoranda: | ||
| Average total assets | $1,201,394,000 | 823 |
| Average earning assets | $1,130,511,000 | 809 |
| Average equity | $115,572,500 | 891 |
| Average total loans | $830,716,500 | 787 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 3,456 |
| Cost of funding earning assets | 0.5015% | 2,939 |
| Net interest margin | 3.2455% | 3,228 |
| Noninterest income to average assets | 4.8209% | 116 |
| Noninterest expense to average assets | 5.5183% | 156 |
| Loan and lease loss provision to assets | 0.6652% | 263 |
| Net operating income to assets | 1.6868% | 518 |
| Return on assets (ROA) | 1.6867% | 559 |
| Pretax return on assets | 1.6867% | 874 |
| Return on Equity (ROE) | 17.9424% | 336 |
| Retained earnings to average equity (ytd only) | 7.0613% | 1,375 |
| Net charge-offs to loans | 0.0227% | 2,595 |
| Credit loss provision to net charge-offs | 4,046.1538% | 258 |
| Earnings coverage of net charge-offs (x) | 143.0564% | 607 |
| Efficiency ratio | 70.1152% | 1,932 |
| Assets per employee ($millions) | 4.0864% | 4,308 |
| Cash dividends to net income (ytd only)* | 60.6448% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 721 |
| Loan loss allowance to noncurrent loans | 1,498.5889% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,875 |
| Noncurrent loans to loans | 0.1268% | 3,776 |
| Net loans and leases to total assets | 69.1467% | 1,666 |
| Net loans and leases to deposits | 88.0690% | 1,086 |
| Net loans and leases to core deposits | 91.2440% | 1,443 |
| Total domestic deposits to total assets | 78.5143% | 4,261 |
| Equity capital to assets | 9.7847% | 3,332 |
| Core capital (leverage) ratio | 9.6337% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5147% | 2,440 |
| Memoranda: | ||
| Average total assets | $1,186,039,600 | 758 |
| Average earning assets | $1,114,361,600 | 741 |
| Average equity | $111,495,800 | 878 |
| Average total loans | $860,075,800 | 744 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 2,979 |
| Cost of funding earning assets | 0.5564% | 2,891 |
| Net interest margin | 3.4419% | 2,777 |
| Noninterest income to average assets | 4.9293% | 113 |
| Noninterest expense to average assets | 5.5924% | 148 |
| Loan and lease loss provision to assets | 0.8369% | 204 |
| Net operating income to assets | 1.7337% | 532 |
| Return on assets (ROA) | 1.7336% | 594 |
| Pretax return on assets | 1.7336% | 903 |
| Return on Equity (ROE) | 18.6319% | 317 |
| Retained earnings to average equity (ytd only) | 3.9643% | 3,070 |
| Net charge-offs to loans | -0.0068% | 4,131 |
| Credit loss provision to net charge-offs | -16,909.0909% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5091% | 2,113 |
| Assets per employee ($millions) | 4.0026% | 4,310 |
| Cash dividends to net income (ytd only)* | 78.7230% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 801 |
| Loan loss allowance to noncurrent loans | 860.3722% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,630 |
| Noncurrent loans to loans | 0.2039% | 3,569 |
| Net loans and leases to total assets | 75.3233% | 1,186 |
| Net loans and leases to deposits | 92.0493% | 1,065 |
| Net loans and leases to core deposits | 99.1693% | 1,223 |
| Total domestic deposits to total assets | 81.8294% | 3,467 |
| Equity capital to assets | 9.5433% | 3,649 |
| Core capital (leverage) ratio | 8.8346% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5444% | 2,775 |
| Memoranda: | ||
| Average total assets | $1,185,265,250 | 748 |
| Average earning assets | $1,113,579,750 | 733 |
| Average equity | $110,281,500 | 882 |
| Average total loans | $865,550,000 | 737 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 2,715 |
| Cost of funding earning assets | 0.6460% | 2,722 |
| Net interest margin | 3.5673% | 2,587 |
| Noninterest income to average assets | 4.7966% | 109 |
| Noninterest expense to average assets | 5.6471% | 149 |
| Loan and lease loss provision to assets | 1.0329% | 192 |
| Net operating income to assets | 1.4703% | 979 |
| Return on assets (ROA) | 1.4701% | 1,068 |
| Pretax return on assets | 1.4701% | 1,527 |
| Return on Equity (ROE) | 15.9344% | 577 |
| Retained earnings to average equity (ytd only) | 12.3900% | 412 |
| Net charge-offs to loans | 0.0299% | 2,122 |
| Credit loss provision to net charge-offs | 4,804.6875% | 244 |
| Earnings coverage of net charge-offs (x) | 116.4375% | 640 |
| Efficiency ratio | 69.2866% | 2,048 |
| Assets per employee ($millions) | 4.4441% | 3,862 |
| Cash dividends to net income (ytd only)* | 22.2438% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 1,202 |
| Loan loss allowance to noncurrent loans | 542.2975% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 3,513 |
| Noncurrent loans to loans | 0.2806% | 3,372 |
| Net loans and leases to total assets | 71.8269% | 1,744 |
| Net loans and leases to deposits | 91.9208% | 1,167 |
| Net loans and leases to core deposits | 102.9929% | 1,060 |
| Total domestic deposits to total assets | 78.1399% | 4,174 |
| Equity capital to assets | 8.9611% | 4,122 |
| Core capital (leverage) ratio | 9.3406% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5558% | 2,788 |
| Memoranda: | ||
| Average total assets | $1,190,767,000 | 733 |
| Average earning assets | $1,119,498,667 | 722 |
| Average equity | $109,862,667 | 879 |
| Average total loans | $855,377,333 | 729 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,872 |
| Cost of funding earning assets | 0.8328% | 2,208 |
| Net interest margin | 3.1377% | 4,014 |
| Noninterest income to average assets | 4.1602% | 105 |
| Noninterest expense to average assets | 5.7088% | 164 |
| Loan and lease loss provision to assets | 0.4021% | 757 |
| Net operating income to assets | 1.0014% | 2,167 |
| Return on assets (ROA) | 1.0011% | 2,278 |
| Pretax return on assets | 1.0011% | 2,838 |
| Return on Equity (ROE) | 10.6780% | 1,506 |
| Retained earnings to average equity (ytd only) | 5.6542% | 2,013 |
| Net charge-offs to loans | -0.0713% | 4,737 |
| Credit loss provision to net charge-offs | -793.1034% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2665% | 1,115 |
| Assets per employee ($millions) | 3.8732% | 4,085 |
| Cash dividends to net income (ytd only)* | 47.0486% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,889 |
| Loan loss allowance to noncurrent loans | 475.7364% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,803 |
| Noncurrent loans to loans | 0.2435% | 3,610 |
| Net loans and leases to total assets | 69.7487% | 2,286 |
| Net loans and leases to deposits | 84.4301% | 2,175 |
| Net loans and leases to core deposits | 104.6470% | 1,144 |
| Total domestic deposits to total assets | 82.6112% | 3,231 |
| Equity capital to assets | 9.3152% | 4,379 |
| Core capital (leverage) ratio | 9.4074% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0188% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,143,980,000 | 733 |
| Average earning assets | $1,076,318,000 | 713 |
| Average equity | $107,248,500 | 895 |
| Average total loans | $813,992,500 | 737 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,937 |
| Cost of funding earning assets | 0.9739% | 1,834 |
| Net interest margin | 3.1714% | 4,250 |
| Noninterest income to average assets | 3.1473% | 143 |
| Noninterest expense to average assets | 5.0516% | 208 |
| Loan and lease loss provision to assets | 0.2148% | 927 |
| Net operating income to assets | 0.8659% | 3,336 |
| Return on assets (ROA) | 0.8661% | 3,422 |
| Pretax return on assets | 0.8661% | 3,836 |
| Return on Equity (ROE) | 8.9487% | 2,777 |
| Retained earnings to average equity (ytd only) | 1.0121% | 4,380 |
| Net charge-offs to loans | 0.2223% | 919 |
| Credit loss provision to net charge-offs | 132.9787% | 1,919 |
| Earnings coverage of net charge-offs (x) | 6.6903% | 2,947 |
| Efficiency ratio | 82.3772% | 777 |
| Assets per employee ($millions) | 3.8828% | 4,046 |
| Cash dividends to net income (ytd only)* | 88.6905% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,367 |
| Loan loss allowance to noncurrent loans | 386.9831% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 3,700 |
| Noncurrent loans to loans | 0.2642% | 3,499 |
| Net loans and leases to total assets | 71.0318% | 2,242 |
| Net loans and leases to deposits | 87.1020% | 1,957 |
| Net loans and leases to core deposits | 106.7490% | 1,065 |
| Total domestic deposits to total assets | 81.5501% | 3,632 |
| Equity capital to assets | 9.4372% | 4,396 |
| Core capital (leverage) ratio | 9.5491% | 4,012 |
| Tier 1 risk-based capital ratio | 11.6137% | 4,565 |
| Total risk-based capital ratio | 12.5398% | 4,627 |
| Memoranda: | ||
| Average total assets | $1,047,482,000 | 751 |
| Average earning assets | $985,946,200 | 734 |
| Average equity | $101,378,200 | 893 |
| Average total loans | $761,250,000 | 749 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 4,046 |
| Cost of funding earning assets | 1.0042% | 1,749 |
| Net interest margin | 3.1417% | 4,413 |
| Noninterest income to average assets | 3.2563% | 140 |
| Noninterest expense to average assets | 5.1209% | 197 |
| Loan and lease loss provision to assets | 0.1264% | 1,534 |
| Net operating income to assets | 0.9652% | 3,099 |
| Return on assets (ROA) | 0.9660% | 3,176 |
| Pretax return on assets | 0.9660% | 3,697 |
| Return on Equity (ROE) | 9.9138% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.0646% | 2,863 |
| Net charge-offs to loans | 0.0046% | 3,236 |
| Credit loss provision to net charge-offs | 3,750.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 323.9224% | 298 |
| Efficiency ratio | 82.4294% | 730 |
| Assets per employee ($millions) | 3.8871% | 4,044 |
| Cash dividends to net income (ytd only)* | 48.9133% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,341 |
| Loan loss allowance to noncurrent loans | 267.1415% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,360 |
| Noncurrent loans to loans | 0.3897% | 3,149 |
| Net loans and leases to total assets | 75.6104% | 1,546 |
| Net loans and leases to deposits | 93.0006% | 1,325 |
| Net loans and leases to core deposits | 110.3244% | 937 |
| Total domestic deposits to total assets | 81.3010% | 3,663 |
| Equity capital to assets | 9.6572% | 4,330 |
| Core capital (leverage) ratio | 9.8104% | 3,841 |
| Tier 1 risk-based capital ratio | 11.4628% | 4,685 |
| Total risk-based capital ratio | 12.4318% | 4,716 |
| Memoranda: | ||
| Average total assets | $1,028,820,500 | 763 |
| Average earning assets | $968,058,750 | 746 |
| Average equity | $100,248,500 | 899 |
| Average total loans | $750,236,750 | 762 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,964 |
| Cost of funding earning assets | 1.0495% | 1,498 |
| Net interest margin | 3.1344% | 4,475 |
| Noninterest income to average assets | 2.9911% | 154 |
| Noninterest expense to average assets | 5.0159% | 218 |
| Loan and lease loss provision to assets | 0.1188% | 1,573 |
| Net operating income to assets | 0.8055% | 3,630 |
| Return on assets (ROA) | 0.8043% | 3,698 |
| Pretax return on assets | 0.8043% | 4,083 |
| Return on Equity (ROE) | 8.2285% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.8398% | 3,323 |
| Net charge-offs to loans | 0.0047% | 2,997 |
| Credit loss provision to net charge-offs | 3,529.4118% | 109 |
| Earnings coverage of net charge-offs (x) | 274.6471% | 293 |
| Efficiency ratio | 84.4398% | 624 |
| Assets per employee ($millions) | 3.6515% | 4,312 |
| Cash dividends to net income (ytd only)* | 53.3350% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,975 |
| Loan loss allowance to noncurrent loans | 265.8513% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,302 |
| Noncurrent loans to loans | 0.4208% | 3,022 |
| Net loans and leases to total assets | 72.4398% | 2,157 |
| Net loans and leases to deposits | 89.1197% | 1,842 |
| Net loans and leases to core deposits | 104.3710% | 1,355 |
| Total domestic deposits to total assets | 81.2837% | 3,725 |
| Equity capital to assets | 10.1287% | 3,857 |
| Core capital (leverage) ratio | 9.7978% | 3,831 |
| Tier 1 risk-based capital ratio | 12.8177% | 3,934 |
| Total risk-based capital ratio | 13.8749% | 3,949 |
| Memoranda: | ||
| Average total assets | $1,010,263,670 | 773 |
| Average earning assets | $950,536,670 | 757 |
| Average equity | $98,754,000 | 904 |
| Average total loans | $724,111,000 | 783 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,988 |
| Cost of funding earning assets | 1.0635% | 1,320 |
| Net interest margin | 3.0914% | 4,605 |
| Noninterest income to average assets | 2.6804% | 169 |
| Noninterest expense to average assets | 4.8657% | 224 |
| Loan and lease loss provision to assets | 0.1186% | 1,479 |
| Net operating income to assets | 0.6090% | 4,209 |
| Return on assets (ROA) | 0.6070% | 4,257 |
| Pretax return on assets | 0.6070% | 4,499 |
| Return on Equity (ROE) | 6.3239% | 3,905 |
| Retained earnings to average equity (ytd only) | 2.3524% | 3,968 |
| Net charge-offs to loans | 0.0039% | 2,583 |
| Credit loss provision to net charge-offs | 4,285.7143% | 95 |
| Earnings coverage of net charge-offs (x) | 262.8571% | 302 |
| Efficiency ratio | 86.9910% | 528 |
| Assets per employee ($millions) | 3.6933% | 4,350 |
| Cash dividends to net income (ytd only)* | 62.8013% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,140 |
| Loan loss allowance to noncurrent loans | 639.6469% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,196 |
| Noncurrent loans to loans | 0.1716% | 3,980 |
| Net loans and leases to total assets | 69.9235% | 2,498 |
| Net loans and leases to deposits | 82.2029% | 2,591 |
| Net loans and leases to core deposits | 103.1299% | 1,373 |
| Total domestic deposits to total assets | 85.0621% | 2,661 |
| Equity capital to assets | 9.5943% | 4,168 |
| Core capital (leverage) ratio | 9.4411% | 4,209 |
| Tier 1 risk-based capital ratio | 12.9038% | 3,923 |
| Total risk-based capital ratio | 13.9445% | 3,937 |
| Memoranda: | ||
| Average total assets | $1,011,494,500 | 779 |
| Average earning assets | $953,085,500 | 759 |
| Average equity | $97,092,500 | 910 |
| Average total loans | $717,011,500 | 791 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 4,160 |
| Cost of funding earning assets | 0.7231% | 1,937 |
| Net interest margin | 3.2300% | 4,427 |
| Noninterest income to average assets | 2.6895% | 177 |
| Noninterest expense to average assets | 4.7739% | 244 |
| Loan and lease loss provision to assets | 0.0603% | 2,955 |
| Net operating income to assets | 0.9000% | 3,435 |
| Return on assets (ROA) | 0.8917% | 3,459 |
| Pretax return on assets | 0.8917% | 3,920 |
| Return on Equity (ROE) | 9.6421% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.6297% | 2,975 |
| Net charge-offs to loans | 0.0742% | 2,057 |
| Credit loss provision to net charge-offs | 114.9425% | 2,256 |
| Earnings coverage of net charge-offs (x) | 18.2969% | 2,142 |
| Efficiency ratio | 83.2524% | 696 |
| Assets per employee ($millions) | 3.5965% | 4,453 |
| Cash dividends to net income (ytd only)* | 51.9847% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,197 |
| Loan loss allowance to noncurrent loans | 500.1954% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,058 |
| Noncurrent loans to loans | 0.2168% | 3,802 |
| Net loans and leases to total assets | 70.3080% | 2,525 |
| Net loans and leases to deposits | 87.3044% | 2,134 |
| Net loans and leases to core deposits | 100.9392% | 1,654 |
| Total domestic deposits to total assets | 80.5320% | 3,990 |
| Equity capital to assets | 9.6037% | 4,040 |
| Core capital (leverage) ratio | 9.5350% | 4,082 |
| Tier 1 risk-based capital ratio | 13.3162% | 3,654 |
| Total risk-based capital ratio | 14.3569% | 3,676 |
| Memoranda: | ||
| Average total assets | $994,522,800 | 771 |
| Average earning assets | $937,506,600 | 751 |
| Average equity | $91,971,600 | 917 |
| Average total loans | $703,375,200 | 786 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 4,246 |
| Cost of funding earning assets | 0.6554% | 2,120 |
| Net interest margin | 3.2295% | 4,454 |
| Noninterest income to average assets | 2.7551% | 178 |
| Noninterest expense to average assets | 4.8669% | 220 |
| Loan and lease loss provision to assets | 0.0604% | 2,772 |
| Net operating income to assets | 0.8726% | 3,650 |
| Return on assets (ROA) | 0.8608% | 3,699 |
| Pretax return on assets | 0.8608% | 4,144 |
| Return on Equity (ROE) | 9.3987% | 2,903 |
| Retained earnings to average equity (ytd only) | 3.2335% | 4,128 |
| Net charge-offs to loans | 0.0746% | 1,781 |
| Credit loss provision to net charge-offs | 114.5038% | 2,055 |
| Earnings coverage of net charge-offs (x) | 17.6996% | 2,100 |
| Efficiency ratio | 83.9142% | 646 |
| Assets per employee ($millions) | 3.4473% | 4,626 |
| Cash dividends to net income (ytd only)* | 65.5967% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,262 |
| Loan loss allowance to noncurrent loans | 610.5263% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,336 |
| Noncurrent loans to loans | 0.1781% | 4,091 |
| Net loans and leases to total assets | 69.4087% | 2,738 |
| Net loans and leases to deposits | 81.3146% | 2,892 |
| Net loans and leases to core deposits | 99.9215% | 1,803 |
| Total domestic deposits to total assets | 85.3582% | 2,464 |
| Equity capital to assets | 9.1202% | 4,443 |
| Core capital (leverage) ratio | 9.4826% | 4,197 |
| Tier 1 risk-based capital ratio | 13.0671% | 3,863 |
| Total risk-based capital ratio | 14.1070% | 3,892 |
| Memoranda: | ||
| Average total assets | $994,092,500 | 767 |
| Average earning assets | $937,203,500 | 747 |
| Average equity | $91,045,500 | 921 |
| Average total loans | $702,189,750 | 783 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,347 |
| Cost of funding earning assets | 0.5885% | 2,307 |
| Net interest margin | 3.2101% | 4,475 |
| Noninterest income to average assets | 2.7865% | 180 |
| Noninterest expense to average assets | 4.9371% | 221 |
| Loan and lease loss provision to assets | 0.0605% | 2,691 |
| Net operating income to assets | 0.8147% | 3,806 |
| Return on assets (ROA) | 0.7971% | 3,865 |
| Pretax return on assets | 0.7971% | 4,254 |
| Return on Equity (ROE) | 8.6912% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.0133% | 4,449 |
| Net charge-offs to loans | 0.0542% | 1,828 |
| Credit loss provision to net charge-offs | 157.8947% | 1,526 |
| Earnings coverage of net charge-offs (x) | 22.8263% | 1,731 |
| Efficiency ratio | 84.9420% | 630 |
| Assets per employee ($millions) | 3.4826% | 4,617 |
| Cash dividends to net income (ytd only)* | 76.8354% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,230 |
| Loan loss allowance to noncurrent loans | 490.3944% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 4,212 |
| Noncurrent loans to loans | 0.2253% | 3,911 |
| Net loans and leases to total assets | 68.7895% | 2,756 |
| Net loans and leases to deposits | 83.4217% | 2,601 |
| Net loans and leases to core deposits | 98.6450% | 1,841 |
| Total domestic deposits to total assets | 82.4599% | 3,575 |
| Equity capital to assets | 9.0774% | 4,502 |
| Core capital (leverage) ratio | 9.4905% | 4,126 |
| Tier 1 risk-based capital ratio | 12.8093% | 4,000 |
| Total risk-based capital ratio | 13.8499% | 4,026 |
| Memoranda: | ||
| Average total assets | $991,064,000 | 771 |
| Average earning assets | $934,181,330 | 748 |
| Average equity | $90,896,670 | 923 |
| Average total loans | $701,603,330 | 781 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,367 |
| Cost of funding earning assets | 0.5351% | 2,509 |
| Net interest margin | 3.2112% | 4,423 |
| Noninterest income to average assets | 2.6844% | 183 |
| Noninterest expense to average assets | 4.8531% | 237 |
| Loan and lease loss provision to assets | 0.0609% | 2,558 |
| Net operating income to assets | 0.7971% | 3,710 |
| Return on assets (ROA) | 0.7971% | 3,721 |
| Pretax return on assets | 0.7971% | 4,158 |
| Return on Equity (ROE) | 8.6454% | 3,090 |
| Retained earnings to average equity (ytd only) | 0.1321% | 4,786 |
| Net charge-offs to loans | 0.0893% | 1,270 |
| Credit loss provision to net charge-offs | 95.5414% | 1,629 |
| Earnings coverage of net charge-offs (x) | 13.4586% | 1,754 |
| Efficiency ratio | 84.9769% | 718 |
| Assets per employee ($millions) | 3.4289% | 4,758 |
| Cash dividends to net income (ytd only)* | 98.4717% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,514 |
| Loan loss allowance to noncurrent loans | 385.7724% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 4,078 |
| Noncurrent loans to loans | 0.2792% | 3,771 |
| Net loans and leases to total assets | 71.0955% | 2,315 |
| Net loans and leases to deposits | 84.4212% | 2,347 |
| Net loans and leases to core deposits | 100.6832% | 1,637 |
| Total domestic deposits to total assets | 84.2153% | 3,228 |
| Equity capital to assets | 9.1715% | 4,393 |
| Core capital (leverage) ratio | 9.4835% | 4,086 |
| Tier 1 risk-based capital ratio | 12.6331% | 4,153 |
| Total risk-based capital ratio | 13.6532% | 4,199 |
| Memoranda: | ||
| Average total assets | $985,101,000 | 771 |
| Average earning assets | $928,487,000 | 754 |
| Average equity | $90,822,500 | 931 |
| Average total loans | $703,574,500 | 778 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,614 |
| Cost of funding earning assets | 0.4269% | 2,983 |
| Net interest margin | 3.1524% | 4,568 |
| Noninterest income to average assets | 2.9525% | 177 |
| Noninterest expense to average assets | 4.8220% | 245 |
| Loan and lease loss provision to assets | 0.1233% | 1,858 |
| Net operating income to assets | 0.9764% | 2,343 |
| Return on assets (ROA) | 0.9768% | 2,380 |
| Pretax return on assets | 0.9768% | 3,652 |
| Return on Equity (ROE) | 10.7926% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.9501% | 1,570 |
| Net charge-offs to loans | 0.0432% | 2,930 |
| Credit loss provision to net charge-offs | 404.0404% | 752 |
| Earnings coverage of net charge-offs (x) | 36.0471% | 1,353 |
| Efficiency ratio | 81.4300% | 973 |
| Assets per employee ($millions) | 3.4479% | 4,769 |
| Cash dividends to net income (ytd only)* | 44.8686% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,438 |
| Loan loss allowance to noncurrent loans | 333.5821% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,990 |
| Noncurrent loans to loans | 0.3243% | 3,603 |
| Net loans and leases to total assets | 70.2095% | 2,493 |
| Net loans and leases to deposits | 82.8429% | 2,626 |
| Net loans and leases to core deposits | 99.6253% | 1,741 |
| Total domestic deposits to total assets | 84.7501% | 2,925 |
| Equity capital to assets | 9.2673% | 4,462 |
| Core capital (leverage) ratio | 9.3857% | 4,183 |
| Tier 1 risk-based capital ratio | 12.7444% | 4,064 |
| Total risk-based capital ratio | 13.7748% | 4,090 |
| Memoranda: | ||
| Average total assets | $973,569,800 | 761 |
| Average earning assets | $916,989,600 | 741 |
| Average equity | $88,115,800 | 921 |
| Average total loans | $688,010,600 | 758 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,694 |
| Cost of funding earning assets | 0.4157% | 3,035 |
| Net interest margin | 3.1336% | 4,611 |
| Noninterest income to average assets | 2.9824% | 183 |
| Noninterest expense to average assets | 4.8999% | 233 |
| Loan and lease loss provision to assets | 0.1238% | 1,746 |
| Net operating income to assets | 0.9101% | 2,977 |
| Return on assets (ROA) | 0.9095% | 3,042 |
| Pretax return on assets | 0.9095% | 4,011 |
| Return on Equity (ROE) | 10.1107% | 2,081 |
| Retained earnings to average equity (ytd only) | 3.5878% | 3,781 |
| Net charge-offs to loans | 0.0497% | 2,435 |
| Credit loss provision to net charge-offs | 352.9412% | 860 |
| Earnings coverage of net charge-offs (x) | 29.4825% | 1,572 |
| Efficiency ratio | 82.5771% | 871 |
| Assets per employee ($millions) | 3.3617% | 4,900 |
| Cash dividends to net income (ytd only)* | 64.5146% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,644 |
| Loan loss allowance to noncurrent loans | 372.8288% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,263 |
| Noncurrent loans to loans | 0.2881% | 3,911 |
| Net loans and leases to total assets | 70.3155% | 2,511 |
| Net loans and leases to deposits | 81.5266% | 2,826 |
| Net loans and leases to core deposits | 102.6102% | 1,495 |
| Total domestic deposits to total assets | 86.2486% | 2,211 |
| Equity capital to assets | 9.3512% | 4,592 |
| Core capital (leverage) ratio | 9.4590% | 4,212 |
| Tier 1 risk-based capital ratio | 12.5285% | 4,301 |
| Total risk-based capital ratio | 13.5381% | 4,342 |
| Memoranda: | ||
| Average total assets | $969,578,000 | 769 |
| Average earning assets | $913,164,750 | 749 |
| Average equity | $87,219,000 | 934 |
| Average total loans | $684,426,250 | 766 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,786 |
| Cost of funding earning assets | 0.3959% | 3,118 |
| Net interest margin | 3.0955% | 4,696 |
| Noninterest income to average assets | 2.9761% | 189 |
| Noninterest expense to average assets | 4.9506% | 224 |
| Loan and lease loss provision to assets | 0.1234% | 1,674 |
| Net operating income to assets | 0.8195% | 3,299 |
| Return on assets (ROA) | 0.8197% | 3,354 |
| Pretax return on assets | 0.8197% | 4,203 |
| Return on Equity (ROE) | 9.2327% | 2,397 |
| Retained earnings to average equity (ytd only) | 2.5555% | 4,159 |
| Net charge-offs to loans | 0.0403% | 2,395 |
| Credit loss provision to net charge-offs | 434.7826% | 741 |
| Earnings coverage of net charge-offs (x) | 33.2174% | 1,392 |
| Efficiency ratio | 84.0006% | 846 |
| Assets per employee ($millions) | 3.2972% | 4,989 |
| Cash dividends to net income (ytd only)* | 72.3212% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,009 |
| Loan loss allowance to noncurrent loans | 338.4397% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,286 |
| Noncurrent loans to loans | 0.3023% | 3,957 |
| Net loans and leases to total assets | 71.2031% | 2,336 |
| Net loans and leases to deposits | 86.9476% | 2,110 |
| Net loans and leases to core deposits | 107.1324% | 1,151 |
| Total domestic deposits to total assets | 81.8920% | 3,917 |
| Equity capital to assets | 9.0940% | 4,811 |
| Core capital (leverage) ratio | 9.3546% | 4,284 |
| Tier 1 risk-based capital ratio | 12.2950% | 4,431 |
| Total risk-based capital ratio | 13.2745% | 4,502 |
| Memoranda: | ||
| Average total assets | $972,292,670 | 771 |
| Average earning assets | $916,350,670 | 750 |
| Average equity | $86,323,330 | 951 |
| Average total loans | $684,775,670 | 765 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 4,828 |
| Cost of funding earning assets | 0.3716% | 3,292 |
| Net interest margin | 3.0790% | 4,713 |
| Noninterest income to average assets | 2.7129% | 212 |
| Noninterest expense to average assets | 4.8908% | 248 |
| Loan and lease loss provision to assets | 0.1234% | 1,557 |
| Net operating income to assets | 0.6036% | 4,147 |
| Return on assets (ROA) | 0.6036% | 4,200 |
| Pretax return on assets | 0.6036% | 4,723 |
| Return on Equity (ROE) | 6.8826% | 3,455 |
| Retained earnings to average equity (ytd only) | -1.5623% | 5,132 |
| Net charge-offs to loans | 0.0921% | 1,431 |
| Credit loss provision to net charge-offs | 192.3077% | 1,033 |
| Earnings coverage of net charge-offs (x) | 11.3269% | 1,899 |
| Efficiency ratio | 87.0578% | 731 |
| Assets per employee ($millions) | 3.2671% | 5,078 |
| Cash dividends to net income (ytd only)* | 122.6994% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,251 |
| Loan loss allowance to noncurrent loans | 319.4769% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,328 |
| Noncurrent loans to loans | 0.3144% | 3,997 |
| Net loans and leases to total assets | 70.1814% | 2,347 |
| Net loans and leases to deposits | 84.2801% | 2,251 |
| Net loans and leases to core deposits | 102.5932% | 1,326 |
| Total domestic deposits to total assets | 83.2716% | 3,745 |
| Equity capital to assets | 8.9223% | 4,885 |
| Core capital (leverage) ratio | 9.1433% | 4,551 |
| Tier 1 risk-based capital ratio | 12.3615% | 4,474 |
| Total risk-based capital ratio | 13.3178% | 4,565 |
| Memoranda: | ||
| Average total assets | $972,107,000 | 778 |
| Average earning assets | $917,192,000 | 750 |
| Average equity | $85,258,000 | 954 |
| Average total loans | $677,301,000 | 773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 5,030 |
| Cost of funding earning assets | 0.3140% | 3,910 |
| Net interest margin | 3.0615% | 4,815 |
| Noninterest income to average assets | 3.1080% | 187 |
| Noninterest expense to average assets | 5.0814% | 245 |
| Loan and lease loss provision to assets | -0.0805% | 5,661 |
| Net operating income to assets | 0.9809% | 2,432 |
| Return on assets (ROA) | 1.0061% | 2,427 |
| Pretax return on assets | 1.0061% | 3,456 |
| Return on Equity (ROE) | 10.7657% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.3082% | 2,125 |
| Net charge-offs to loans | 0.0409% | 3,215 |
| Credit loss provision to net charge-offs | -296.4427% | 5,072 |
| Earnings coverage of net charge-offs (x) | 33.1462% | 1,346 |
| Efficiency ratio | 84.9476% | 913 |
| Assets per employee ($millions) | 3.3573% | 4,966 |
| Cash dividends to net income (ytd only)* | 50.6937% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 4,369 |
| Loan loss allowance to noncurrent loans | 204.8960% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,957 |
| Noncurrent loans to loans | 0.4851% | 3,416 |
| Net loans and leases to total assets | 67.8016% | 2,808 |
| Net loans and leases to deposits | 83.8025% | 2,445 |
| Net loans and leases to core deposits | 103.2861% | 1,339 |
| Total domestic deposits to total assets | 80.9064% | 4,357 |
| Equity capital to assets | 8.6221% | 5,173 |
| Core capital (leverage) ratio | 9.2479% | 4,411 |
| Tier 1 risk-based capital ratio | 12.5357% | 4,360 |
| Total risk-based capital ratio | 13.4815% | 4,430 |
| Memoranda: | ||
| Average total assets | $931,360,400 | 774 |
| Average earning assets | $874,242,800 | 748 |
| Average equity | $87,035,400 | 914 |
| Average total loans | $618,807,600 | 805 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,036 |
| Cost of funding earning assets | 0.3108% | 3,967 |
| Net interest margin | 3.0829% | 4,818 |
| Noninterest income to average assets | 3.3020% | 182 |
| Noninterest expense to average assets | 5.2288% | 232 |
| Loan and lease loss provision to assets | -0.1307% | 5,821 |
| Net operating income to assets | 1.0933% | 2,028 |
| Return on assets (ROA) | 1.1282% | 1,998 |
| Pretax return on assets | 1.1282% | 3,120 |
| Return on Equity (ROE) | 11.8275% | 1,380 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,578 |
| Net charge-offs to loans | 0.0687% | 2,340 |
| Credit loss provision to net charge-offs | -288.4615% | 4,946 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,828 |
| Efficiency ratio | 84.4519% | 952 |
| Assets per employee ($millions) | 3.2458% | 5,115 |
| Cash dividends to net income (ytd only)* | 54.6976% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,360 |
| Loan loss allowance to noncurrent loans | 154.3054% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,600 |
| Noncurrent loans to loans | 0.6527% | 3,064 |
| Net loans and leases to total assets | 67.0454% | 2,947 |
| Net loans and leases to deposits | 80.0393% | 2,957 |
| Net loans and leases to core deposits | 98.3364% | 1,780 |
| Total domestic deposits to total assets | 83.7657% | 3,286 |
| Equity capital to assets | 9.4373% | 4,734 |
| Core capital (leverage) ratio | 9.3272% | 4,430 |
| Tier 1 risk-based capital ratio | 12.5827% | 4,428 |
| Total risk-based capital ratio | 13.5140% | 4,531 |
| Memoranda: | ||
| Average total assets | $918,275,500 | 785 |
| Average earning assets | $860,648,750 | 764 |
| Average equity | $87,590,250 | 907 |
| Average total loans | $605,094,500 | 820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 5,166 |
| Cost of funding earning assets | 0.3031% | 4,091 |
| Net interest margin | 3.0557% | 4,963 |
| Noninterest income to average assets | 3.0387% | 197 |
| Noninterest expense to average assets | 5.1497% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7492% | 3,550 |
| Return on assets (ROA) | 0.7640% | 3,624 |
| Pretax return on assets | 0.7640% | 4,410 |
| Return on Equity (ROE) | 7.9798% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.5263% | 3,031 |
| Net charge-offs to loans | 0.1000% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.4831% | 2,255 |
| Efficiency ratio | 87.2992% | 768 |
| Assets per employee ($millions) | 3.2242% | 5,170 |
| Cash dividends to net income (ytd only)* | 43.2776% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,316 |
| Loan loss allowance to noncurrent loans | 127.1338% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 2,877 |
| Noncurrent loans to loans | 0.9497% | 2,384 |
| Net loans and leases to total assets | 64.5632% | 3,286 |
| Net loans and leases to deposits | 82.4033% | 2,663 |
| Net loans and leases to core deposits | 101.6601% | 1,497 |
| Total domestic deposits to total assets | 78.3503% | 4,923 |
| Equity capital to assets | 9.5747% | 4,696 |
| Core capital (leverage) ratio | 9.4689% | 4,241 |
| Tier 1 risk-based capital ratio | 13.1702% | 4,094 |
| Total risk-based capital ratio | 14.3027% | 4,090 |
| Memoranda: | ||
| Average total assets | $907,356,330 | 798 |
| Average earning assets | $849,308,670 | 774 |
| Average equity | $86,869,670 | 914 |
| Average total loans | $592,089,000 | 835 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 5,263 |
| Cost of funding earning assets | 0.3057% | 4,099 |
| Net interest margin | 3.0240% | 5,060 |
| Noninterest income to average assets | 2.7841% | 221 |
| Noninterest expense to average assets | 5.0951% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5148% | 4,567 |
| Return on assets (ROA) | 0.5216% | 4,648 |
| Pretax return on assets | 0.5216% | 5,025 |
| Return on Equity (ROE) | 5.4481% | 4,255 |
| Retained earnings to average equity (ytd only) | 0.7636% | 4,913 |
| Net charge-offs to loans | -0.0076% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8226% | 616 |
| Assets per employee ($millions) | 3.1156% | 5,380 |
| Cash dividends to net income (ytd only)* | 85.9845% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,829 |
| Loan loss allowance to noncurrent loans | 92.9476% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 2,067 |
| Noncurrent loans to loans | 1.4140% | 1,692 |
| Net loans and leases to total assets | 64.7438% | 3,144 |
| Net loans and leases to deposits | 78.1990% | 2,988 |
| Net loans and leases to core deposits | 91.6824% | 2,214 |
| Total domestic deposits to total assets | 82.7936% | 3,968 |
| Equity capital to assets | 9.6628% | 4,487 |
| Core capital (leverage) ratio | 9.4439% | 4,290 |
| Tier 1 risk-based capital ratio | 13.2959% | 4,098 |
| Total risk-based capital ratio | 14.5121% | 4,042 |
| Memoranda: | ||
| Average total assets | $891,911,000 | 814 |
| Average earning assets | $833,454,500 | 796 |
| Average equity | $85,387,500 | 929 |
| Average total loans | $581,551,000 | 846 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 5,058 |
| Cost of funding earning assets | 0.3121% | 4,114 |
| Net interest margin | 3.1324% | 4,830 |
| Noninterest income to average assets | 2.9173% | 211 |
| Noninterest expense to average assets | 5.0532% | 270 |
| Loan and lease loss provision to assets | -0.1170% | 5,880 |
| Net operating income to assets | 0.8990% | 2,876 |
| Return on assets (ROA) | 0.9326% | 2,774 |
| Pretax return on assets | 0.9326% | 3,717 |
| Return on Equity (ROE) | 9.7020% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.4424% | 2,107 |
| Net charge-offs to loans | 0.0409% | 3,398 |
| Credit loss provision to net charge-offs | -450.4505% | 5,423 |
| Earnings coverage of net charge-offs (x) | 30.1126% | 1,454 |
| Efficiency ratio | 86.5981% | 954 |
| Assets per employee ($millions) | 3.1325% | 5,375 |
| Cash dividends to net income (ytd only)* | 43.9037% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,730 |
| Loan loss allowance to noncurrent loans | 93.5366% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 2,037 |
| Noncurrent loans to loans | 1.4279% | 1,629 |
| Net loans and leases to total assets | 63.9321% | 3,298 |
| Net loans and leases to deposits | 81.8631% | 2,604 |
| Net loans and leases to core deposits | 90.0078% | 2,404 |
| Total domestic deposits to total assets | 78.0964% | 5,146 |
| Equity capital to assets | 9.4838% | 4,570 |
| Core capital (leverage) ratio | 9.7381% | 3,851 |
| Tier 1 risk-based capital ratio | 13.4575% | 4,026 |
| Total risk-based capital ratio | 14.6891% | 3,979 |
| Memoranda: | ||
| Average total assets | $854,817,000 | 808 |
| Average earning assets | $796,281,600 | 786 |
| Average equity | $82,169,000 | 924 |
| Average total loans | $542,255,200 | 865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 5,046 |
| Cost of funding earning assets | 0.3235% | 4,068 |
| Net interest margin | 3.1468% | 4,827 |
| Noninterest income to average assets | 3.1456% | 202 |
| Noninterest expense to average assets | 5.2335% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8443% | 3,196 |
| Return on assets (ROA) | 0.8588% | 3,219 |
| Pretax return on assets | 0.8588% | 4,139 |
| Return on Equity (ROE) | 8.9030% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.6358% | 2,500 |
| Net charge-offs to loans | 0.0377% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.4831% | 1,348 |
| Efficiency ratio | 86.1084% | 997 |
| Assets per employee ($millions) | 3.1125% | 5,412 |
| Cash dividends to net income (ytd only)* | 36.6972% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 1,890 |
| Loan loss allowance to noncurrent loans | 116.0821% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 2,243 |
| Noncurrent loans to loans | 1.3520% | 1,893 |
| Net loans and leases to total assets | 64.2583% | 3,269 |
| Net loans and leases to deposits | 80.1719% | 2,863 |
| Net loans and leases to core deposits | 88.4586% | 2,615 |
| Total domestic deposits to total assets | 80.1506% | 4,710 |
| Equity capital to assets | 9.7474% | 4,454 |
| Core capital (leverage) ratio | 9.7233% | 4,003 |
| Tier 1 risk-based capital ratio | 13.5987% | 4,084 |
| Total risk-based capital ratio | 14.8510% | 4,010 |
| Memoranda: | ||
| Average total assets | $846,112,750 | 821 |
| Average earning assets | $788,430,000 | 802 |
| Average equity | $81,618,500 | 937 |
| Average total loans | $533,703,750 | 887 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4441% | 5,126 |
| Cost of funding earning assets | 0.3302% | 4,047 |
| Net interest margin | 3.1140% | 4,936 |
| Noninterest income to average assets | 3.1211% | 206 |
| Noninterest expense to average assets | 5.1324% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8891% | 2,944 |
| Return on assets (ROA) | 0.9105% | 2,946 |
| Pretax return on assets | 0.9105% | 3,914 |
| Return on Equity (ROE) | 9.4725% | 2,313 |
| Retained earnings to average equity (ytd only) | 8.2381% | 1,173 |
| Net charge-offs to loans | 0.0860% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.5796% | 1,901 |
| Efficiency ratio | 85.2341% | 1,125 |
| Assets per employee ($millions) | 3.0495% | 5,532 |
| Cash dividends to net income (ytd only)* | 13.0310% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,857 |
| Loan loss allowance to noncurrent loans | 174.4233% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 2,943 |
| Noncurrent loans to loans | 0.9270% | 2,816 |
| Net loans and leases to total assets | 61.3044% | 3,652 |
| Net loans and leases to deposits | 75.2832% | 3,348 |
| Net loans and leases to core deposits | 85.4772% | 2,824 |
| Total domestic deposits to total assets | 81.4317% | 4,471 |
| Equity capital to assets | 9.4263% | 4,741 |
| Core capital (leverage) ratio | 9.7775% | 3,900 |
| Tier 1 risk-based capital ratio | 13.8576% | 4,004 |
| Total risk-based capital ratio | 15.1101% | 3,937 |
| Memoranda: | ||
| Average total assets | $842,834,000 | 833 |
| Average earning assets | $785,045,330 | 815 |
| Average equity | $81,013,670 | 947 |
| Average total loans | $525,342,330 | 903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 5,178 |
| Cost of funding earning assets | 0.3287% | 4,112 |
| Net interest margin | 3.0817% | 5,003 |
| Noninterest income to average assets | 3.1208% | 209 |
| Noninterest expense to average assets | 5.1257% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8685% | 2,911 |
| Return on assets (ROA) | 0.9011% | 2,860 |
| Pretax return on assets | 0.9011% | 3,888 |
| Return on Equity (ROE) | 9.2820% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.2820% | 1,106 |
| Net charge-offs to loans | 0.1711% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.1441% | 2,107 |
| Efficiency ratio | 85.5117% | 1,226 |
| Assets per employee ($millions) | 3.0228% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,809 |
| Loan loss allowance to noncurrent loans | 118.4021% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 2,415 |
| Noncurrent loans to loans | 1.4132% | 2,031 |
| Net loans and leases to total assets | 60.6115% | 3,568 |
| Net loans and leases to deposits | 72.9014% | 3,444 |
| Net loans and leases to core deposits | 82.7535% | 2,889 |
| Total domestic deposits to total assets | 83.1417% | 4,138 |
| Equity capital to assets | 9.7369% | 4,450 |
| Core capital (leverage) ratio | 9.8583% | 3,814 |
| Tier 1 risk-based capital ratio | 14.1516% | 3,916 |
| Total risk-based capital ratio | 15.4048% | 3,840 |
| Memoranda: | ||
| Average total assets | $832,741,000 | 845 |
| Average earning assets | $776,454,500 | 827 |
| Average equity | $80,845,000 | 947 |
| Average total loans | $519,131,500 | 911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 4,680 |
| Cost of funding earning assets | 0.3755% | 3,969 |
| Net interest margin | 3.3645% | 4,355 |
| Noninterest income to average assets | 2.9442% | 194 |
| Noninterest expense to average assets | 4.7926% | 363 |
| Loan and lease loss provision to assets | 0.2431% | 959 |
| Net operating income to assets | 1.0048% | 2,359 |
| Return on assets (ROA) | 1.0004% | 2,457 |
| Pretax return on assets | 1.0004% | 3,495 |
| Return on Equity (ROE) | 11.1871% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.3259% | 897 |
| Net charge-offs to loans | 0.1106% | 2,934 |
| Credit loss provision to net charge-offs | 357.8154% | 733 |
| Earnings coverage of net charge-offs (x) | 18.3691% | 1,852 |
| Efficiency ratio | 79.3417% | 2,020 |
| Assets per employee ($millions) | 3.0907% | 5,574 |
| Cash dividends to net income (ytd only)* | 25.5754% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 1,725 |
| Loan loss allowance to noncurrent loans | 130.3859% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 2,548 |
| Noncurrent loans to loans | 1.3198% | 2,236 |
| Net loans and leases to total assets | 61.9701% | 3,506 |
| Net loans and leases to deposits | 76.0756% | 3,187 |
| Net loans and leases to core deposits | 85.7203% | 2,716 |
| Total domestic deposits to total assets | 81.4587% | 4,611 |
| Equity capital to assets | 9.6789% | 4,495 |
| Core capital (leverage) ratio | 9.9868% | 3,585 |
| Tier 1 risk-based capital ratio | 13.7425% | 4,272 |
| Total risk-based capital ratio | 14.9961% | 4,207 |
| Memoranda: | ||
| Average total assets | $781,671,000 | 865 |
| Average earning assets | $719,328,400 | 853 |
| Average equity | $69,902,200 | 1,051 |
| Average total loans | $479,955,200 | 923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,619 |
| Cost of funding earning assets | 0.3841% | 3,969 |
| Net interest margin | 3.3959% | 4,259 |
| Noninterest income to average assets | 2.5250% | 240 |
| Noninterest expense to average assets | 4.8185% | 354 |
| Loan and lease loss provision to assets | 0.0562% | 3,249 |
| Net operating income to assets | 0.7655% | 3,594 |
| Return on assets (ROA) | 0.7640% | 3,697 |
| Pretax return on assets | 0.7640% | 4,491 |
| Return on Equity (ROE) | 8.7346% | 2,820 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,224 |
| Net charge-offs to loans | 0.1568% | 2,242 |
| Credit loss provision to net charge-offs | 58.7703% | 2,959 |
| Earnings coverage of net charge-offs (x) | 8.5986% | 2,773 |
| Efficiency ratio | 85.4315% | 1,238 |
| Assets per employee ($millions) | 3.0599% | 5,664 |
| Cash dividends to net income (ytd only)* | 45.2386% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,111 |
| Loan loss allowance to noncurrent loans | 108.6002% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5621% | 1,959 |
| Noncurrent loans to loans | 1.3009% | 2,471 |
| Net loans and leases to total assets | 63.7521% | 3,218 |
| Net loans and leases to deposits | 77.6188% | 2,992 |
| Net loans and leases to core deposits | 89.4544% | 2,277 |
| Total domestic deposits to total assets | 82.1349% | 4,436 |
| Equity capital to assets | 9.4124% | 4,905 |
| Core capital (leverage) ratio | 9.4255% | 4,478 |
| Tier 1 risk-based capital ratio | 13.0085% | 4,861 |
| Total risk-based capital ratio | 14.2577% | 4,787 |
| Memoranda: | ||
| Average total assets | $771,557,500 | 881 |
| Average earning assets | $707,768,750 | 870 |
| Average equity | $67,484,500 | 1,091 |
| Average total loans | $470,345,750 | 945 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,415 |
| Cost of funding earning assets | 0.3921% | 3,962 |
| Net interest margin | 3.4365% | 4,031 |
| Noninterest income to average assets | 2.0950% | 323 |
| Noninterest expense to average assets | 4.7177% | 384 |
| Loan and lease loss provision to assets | 0.0657% | 2,954 |
| Net operating income to assets | 0.4672% | 4,943 |
| Return on assets (ROA) | 0.4733% | 4,992 |
| Pretax return on assets | 0.4733% | 5,354 |
| Return on Equity (ROE) | 5.5594% | 4,405 |
| Retained earnings to average equity (ytd only) | 1.8573% | 4,958 |
| Net charge-offs to loans | 0.1831% | 1,926 |
| Credit loss provision to net charge-offs | 60.0962% | 2,638 |
| Earnings coverage of net charge-offs (x) | 4.8774% | 3,029 |
| Efficiency ratio | 89.8509% | 933 |
| Assets per employee ($millions) | 3.1170% | 5,570 |
| Cash dividends to net income (ytd only)* | 66.5927% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 2,985 |
| Loan loss allowance to noncurrent loans | 77.6085% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.0326% | 1,567 |
| Noncurrent loans to loans | 1.9094% | 1,789 |
| Net loans and leases to total assets | 59.4472% | 3,793 |
| Net loans and leases to deposits | 72.4929% | 3,505 |
| Net loans and leases to core deposits | 82.4831% | 2,914 |
| Total domestic deposits to total assets | 82.0042% | 4,649 |
| Equity capital to assets | 8.8622% | 5,455 |
| Core capital (leverage) ratio | 9.2190% | 4,708 |
| Tier 1 risk-based capital ratio | 13.0698% | 4,872 |
| Total risk-based capital ratio | 14.3205% | 4,801 |
| Memoranda: | ||
| Average total assets | $761,513,330 | 892 |
| Average earning assets | $699,256,670 | 879 |
| Average equity | $64,826,670 | 1,128 |
| Average total loans | $454,321,670 | 972 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,293 |
| Cost of funding earning assets | 0.3870% | 4,123 |
| Net interest margin | 3.1638% | 5,040 |
| Noninterest income to average assets | 1.8747% | 376 |
| Noninterest expense to average assets | 4.3122% | 547 |
| Loan and lease loss provision to assets | 0.0960% | 2,323 |
| Net operating income to assets | 0.3724% | 5,218 |
| Return on assets (ROA) | 0.3872% | 5,228 |
| Pretax return on assets | 0.3872% | 5,494 |
| Return on Equity (ROE) | 4.6570% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.6992% | 5,311 |
| Net charge-offs to loans | 0.0694% | 2,457 |
| Credit loss provision to net charge-offs | 233.3333% | 940 |
| Earnings coverage of net charge-offs (x) | 11.3867% | 1,783 |
| Efficiency ratio | 90.2019% | 1,017 |
| Assets per employee ($millions) | 3.1821% | 5,554 |
| Cash dividends to net income (ytd only)* | 84.9858% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 3,312 |
| Loan loss allowance to noncurrent loans | 84.1049% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 1,377 |
| Noncurrent loans to loans | 1.7410% | 2,224 |
| Net loans and leases to total assets | 58.5633% | 3,755 |
| Net loans and leases to deposits | 70.4730% | 3,540 |
| Net loans and leases to core deposits | 81.8629% | 2,748 |
| Total domestic deposits to total assets | 83.1003% | 4,576 |
| Equity capital to assets | 8.6178% | 5,531 |
| Core capital (leverage) ratio | 9.1000% | 4,872 |
| Tier 1 risk-based capital ratio | 13.2075% | 4,893 |
| Total risk-based capital ratio | 14.4563% | 4,827 |
| Memoranda: | ||
| Average total assets | $729,273,500 | 933 |
| Average earning assets | $669,820,500 | 929 |
| Average equity | $60,639,500 | 1,200 |
| Average total loans | $432,274,500 | 1,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,930 |
| Cost of funding earning assets | 0.4503% | 4,106 |
| Net interest margin | 3.3139% | 4,610 |
| Noninterest income to average assets | 1.1829% | 1,013 |
| Noninterest expense to average assets | 4.2647% | 654 |
| Loan and lease loss provision to assets | 0.4158% | 712 |
| Net operating income to assets | -0.4751% | 6,485 |
| Return on assets (ROA) | -0.4330% | 6,480 |
| Pretax return on assets | -0.4330% | 6,467 |
| Return on Equity (ROE) | -5.1655% | 6,492 |
| Retained earnings to average equity (ytd only) | -9.4979% | 6,528 |
| Net charge-offs to loans | 0.7053% | 914 |
| Credit loss provision to net charge-offs | 97.8488% | 2,539 |
| Earnings coverage of net charge-offs (x) | -0.1395% | 5,129 |
| Efficiency ratio | 101.4099% | 438 |
| Assets per employee ($millions) | 3.1462% | 5,597 |
| Cash dividends to net income (ytd only)* | -83.8710% | 6,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 3,546 |
| Loan loss allowance to noncurrent loans | 51.9614% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.9554% | 1,081 |
| Noncurrent loans to loans | 2.7352% | 1,314 |
| Net loans and leases to total assets | 58.2786% | 3,984 |
| Net loans and leases to deposits | 72.3126% | 3,486 |
| Net loans and leases to core deposits | 82.4034% | 2,847 |
| Total domestic deposits to total assets | 80.5926% | 5,293 |
| Equity capital to assets | 8.0180% | 6,004 |
| Core capital (leverage) ratio | 8.8962% | 5,146 |
| Tier 1 risk-based capital ratio | 12.8435% | 5,088 |
| Total risk-based capital ratio | 14.0543% | 5,057 |
| Memoranda: | ||
| Average total assets | $787,607,800 | 847 |
| Average earning assets | $718,342,400 | 847 |
| Average equity | $66,014,400 | 1,087 |
| Average total loans | $474,561,200 | 896 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,918 |
| Cost of funding earning assets | 0.4654% | 4,112 |
| Net interest margin | 3.3183% | 4,576 |
| Noninterest income to average assets | 0.9616% | 1,577 |
| Noninterest expense to average assets | 4.2903% | 640 |
| Loan and lease loss provision to assets | 0.4456% | 642 |
| Net operating income to assets | -0.7521% | 6,663 |
| Return on assets (ROA) | -0.6938% | 6,656 |
| Pretax return on assets | -0.6938% | 6,638 |
| Return on Equity (ROE) | -8.1953% | 6,663 |
| Retained earnings to average equity (ytd only) | -12.6422% | 6,680 |
| Net charge-offs to loans | 0.7823% | 756 |
| Credit loss provision to net charge-offs | 94.1239% | 2,530 |
| Earnings coverage of net charge-offs (x) | -0.6474% | 4,970 |
| Efficiency ratio | 107.6933% | 299 |
| Assets per employee ($millions) | 3.2457% | 5,395 |
| Cash dividends to net income (ytd only)* | -54.2618% | 6,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,877 |
| Loan loss allowance to noncurrent loans | 81.3543% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.4230% | 1,600 |
| Noncurrent loans to loans | 1.7251% | 2,608 |
| Net loans and leases to total assets | 57.8250% | 4,040 |
| Net loans and leases to deposits | 71.7151% | 3,546 |
| Net loans and leases to core deposits | 83.4807% | 2,711 |
| Total domestic deposits to total assets | 80.6315% | 5,325 |
| Equity capital to assets | 8.0112% | 6,153 |
| Core capital (leverage) ratio | 8.6058% | 5,653 |
| Tier 1 risk-based capital ratio | 12.8181% | 5,248 |
| Total risk-based capital ratio | 14.0108% | 5,225 |
| Memoranda: | ||
| Average total assets | $800,455,000 | 836 |
| Average earning assets | $729,038,750 | 837 |
| Average equity | $67,760,500 | 1,060 |
| Average total loans | $484,390,500 | 879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 5,056 |
| Cost of funding earning assets | 0.4876% | 4,016 |
| Net interest margin | 3.2419% | 4,796 |
| Noninterest income to average assets | 1.9091% | 476 |
| Noninterest expense to average assets | 4.3193% | 614 |
| Loan and lease loss provision to assets | 0.5057% | 534 |
| Net operating income to assets | 0.0480% | 6,246 |
| Return on assets (ROA) | 0.1377% | 6,153 |
| Pretax return on assets | 0.1377% | 6,178 |
| Return on Equity (ROE) | 1.6009% | 6,073 |
| Retained earnings to average equity (ytd only) | -3.1026% | 6,322 |
| Net charge-offs to loans | 0.6525% | 1,007 |
| Credit loss provision to net charge-offs | 126.9113% | 1,779 |
| Earnings coverage of net charge-offs (x) | 1.3896% | 4,077 |
| Efficiency ratio | 88.6366% | 1,158 |
| Assets per employee ($millions) | 3.3079% | 5,248 |
| Cash dividends to net income (ytd only)* | 293.8053% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,024 |
| Loan loss allowance to noncurrent loans | 29.3695% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 3.9556% | 878 |
| Noncurrent loans to loans | 4.7707% | 698 |
| Net loans and leases to total assets | 59.6201% | 3,731 |
| Net loans and leases to deposits | 72.5041% | 3,381 |
| Net loans and leases to core deposits | 83.9505% | 2,573 |
| Total domestic deposits to total assets | 82.2300% | 4,967 |
| Equity capital to assets | 8.2011% | 6,056 |
| Core capital (leverage) ratio | 8.9983% | 4,991 |
| Tier 1 risk-based capital ratio | 13.0245% | 5,128 |
| Total risk-based capital ratio | 14.2568% | 5,080 |
| Memoranda: | ||
| Average total assets | $820,599,000 | 811 |
| Average earning assets | $750,228,670 | 810 |
| Average equity | $70,585,670 | 1,023 |
| Average total loans | $501,184,330 | 842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 5,109 |
| Cost of funding earning assets | 0.5517% | 3,559 |
| Net interest margin | 3.1631% | 5,051 |
| Noninterest income to average assets | 1.8832% | 467 |
| Noninterest expense to average assets | 4.1383% | 766 |
| Loan and lease loss provision to assets | 0.7061% | 339 |
| Net operating income to assets | -0.0737% | 6,417 |
| Return on assets (ROA) | -0.0574% | 6,462 |
| Pretax return on assets | -0.0574% | 6,447 |
| Return on Equity (ROE) | -0.6534% | 6,477 |
| Retained earnings to average equity (ytd only) | -5.0639% | 6,371 |
| Net charge-offs to loans | 0.3479% | 1,602 |
| Credit loss provision to net charge-offs | 330.7175% | 736 |
| Earnings coverage of net charge-offs (x) | 2.9619% | 2,888 |
| Efficiency ratio | 86.7449% | 1,431 |
| Assets per employee ($millions) | 3.3275% | 5,379 |
| Cash dividends to net income (ytd only)* | -675.0000% | 7,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,064 |
| Loan loss allowance to noncurrent loans | 25.0060% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 4.5915% | 813 |
| Noncurrent loans to loans | 5.7490% | 601 |
| Net loans and leases to total assets | 62.0429% | 3,054 |
| Net loans and leases to deposits | 75.3618% | 2,724 |
| Net loans and leases to core deposits | 87.6649% | 1,941 |
| Total domestic deposits to total assets | 82.3267% | 5,087 |
| Equity capital to assets | 8.9890% | 5,496 |
| Core capital (leverage) ratio | 8.5634% | 5,490 |
| Tier 1 risk-based capital ratio | 12.5281% | 5,559 |
| Total risk-based capital ratio | 13.7784% | 5,511 |
| Memoranda: | ||
| Average total assets | $835,609,000 | 803 |
| Average earning assets | $762,796,500 | 800 |
| Average equity | $73,460,500 | 991 |
| Average total loans | $512,755,500 | 829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 4,898 |
| Cost of funding earning assets | 0.6465% | 3,939 |
| Net interest margin | 3.4666% | 4,643 |
| Noninterest income to average assets | 1.9706% | 446 |
| Noninterest expense to average assets | 4.1234% | 838 |
| Loan and lease loss provision to assets | 0.3996% | 1,627 |
| Net operating income to assets | 0.6034% | 4,222 |
| Return on assets (ROA) | 0.9619% | 2,731 |
| Pretax return on assets | 0.9619% | 3,695 |
| Return on Equity (ROE) | 10.8106% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.0055% | 3,386 |
| Net charge-offs to loans | 0.6989% | 1,693 |
| Credit loss provision to net charge-offs | 89.8693% | 3,481 |
| Earnings coverage of net charge-offs (x) | 2.2557% | 4,291 |
| Efficiency ratio | 80.4342% | 2,095 |
| Assets per employee ($millions) | 3.5784% | 4,833 |
| Cash dividends to net income (ytd only)* | 62.9485% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,082 |
| Loan loss allowance to noncurrent loans | 26.9521% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 3.7664% | 1,176 |
| Noncurrent loans to loans | 4.4770% | 956 |
| Net loans and leases to total assets | 59.1668% | 3,764 |
| Net loans and leases to deposits | 72.8453% | 3,278 |
| Net loans and leases to core deposits | 87.2067% | 2,169 |
| Total domestic deposits to total assets | 81.2226% | 5,331 |
| Equity capital to assets | 8.6073% | 5,962 |
| Core capital (leverage) ratio | 8.7655% | 5,236 |
| Tier 1 risk-based capital ratio | 12.3134% | 5,590 |
| Total risk-based capital ratio | 13.3892% | 5,658 |
| Memoranda: | ||
| Average total assets | $825,794,000 | 797 |
| Average earning assets | $751,774,000 | 793 |
| Average equity | $73,474,400 | 962 |
| Average total loans | $525,412,600 | 784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 4,674 |
| Cost of funding earning assets | 0.6935% | 3,829 |
| Net interest margin | 3.5471% | 4,451 |
| Noninterest income to average assets | 1.8522% | 469 |
| Noninterest expense to average assets | 4.1876% | 730 |
| Loan and lease loss provision to assets | 0.4413% | 1,431 |
| Net operating income to assets | 0.4609% | 4,990 |
| Return on assets (ROA) | 0.9406% | 3,016 |
| Pretax return on assets | 0.9406% | 3,956 |
| Return on Equity (ROE) | 10.4812% | 2,144 |
| Retained earnings to average equity (ytd only) | 1.3750% | 5,625 |
| Net charge-offs to loans | 0.5800% | 1,889 |
| Credit loss provision to net charge-offs | 117.7497% | 2,463 |
| Earnings coverage of net charge-offs (x) | 2.4073% | 4,078 |
| Efficiency ratio | 82.2742% | 1,780 |
| Assets per employee ($millions) | 3.4089% | 5,187 |
| Cash dividends to net income (ytd only)* | 86.8810% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,532 |
| Loan loss allowance to noncurrent loans | 30.9156% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 4.2835% | 1,100 |
| Noncurrent loans to loans | 4.4051% | 1,086 |
| Net loans and leases to total assets | 63.3535% | 3,145 |
| Net loans and leases to deposits | 78.1710% | 2,639 |
| Net loans and leases to core deposits | 92.1347% | 1,768 |
| Total domestic deposits to total assets | 81.0448% | 5,340 |
| Equity capital to assets | 9.1165% | 5,688 |
| Core capital (leverage) ratio | 8.6786% | 5,503 |
| Tier 1 risk-based capital ratio | 12.2374% | 5,807 |
| Total risk-based capital ratio | 13.4770% | 5,792 |
| Memoranda: | ||
| Average total assets | $815,750,000 | 814 |
| Average earning assets | $744,586,500 | 809 |
| Average equity | $73,208,750 | 970 |
| Average total loans | $527,109,500 | 787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 4,588 |
| Cost of funding earning assets | 0.7592% | 3,525 |
| Net interest margin | 3.5371% | 4,515 |
| Noninterest income to average assets | 1.6861% | 529 |
| Noninterest expense to average assets | 4.1357% | 794 |
| Loan and lease loss provision to assets | 0.3661% | 1,797 |
| Net operating income to assets | 0.4168% | 5,159 |
| Return on assets (ROA) | 1.0736% | 2,373 |
| Pretax return on assets | 1.0736% | 3,399 |
| Return on Equity (ROE) | 12.0250% | 1,659 |
| Retained earnings to average equity (ytd only) | 12.0250% | 579 |
| Net charge-offs to loans | 0.8542% | 1,298 |
| Credit loss provision to net charge-offs | 66.1959% | 3,656 |
| Earnings coverage of net charge-offs (x) | 1.4157% | 4,296 |
| Efficiency ratio | 84.0826% | 1,623 |
| Assets per employee ($millions) | 3.3585% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,723 |
| Loan loss allowance to noncurrent loans | 29.1524% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 3.9808% | 1,287 |
| Noncurrent loans to loans | 3.8251% | 1,466 |
| Net loans and leases to total assets | 63.9803% | 3,038 |
| Net loans and leases to deposits | 78.7790% | 2,551 |
| Net loans and leases to core deposits | 91.9213% | 1,785 |
| Total domestic deposits to total assets | 81.2149% | 5,388 |
| Equity capital to assets | 9.3523% | 5,257 |
| Core capital (leverage) ratio | 9.1455% | 4,695 |
| Tier 1 risk-based capital ratio | 12.6141% | 5,485 |
| Total risk-based capital ratio | 13.6251% | 5,652 |
| Memoranda: | ||
| Average total assets | $819,500,670 | 810 |
| Average earning assets | $748,909,670 | 802 |
| Average equity | $73,164,330 | 959 |
| Average total loans | $530,574,330 | 782 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 4,843 |
| Cost of funding earning assets | 0.8602% | 2,992 |
| Net interest margin | 3.4109% | 5,079 |
| Noninterest income to average assets | 1.7072% | 514 |
| Noninterest expense to average assets | 3.9963% | 940 |
| Loan and lease loss provision to assets | 0.3646% | 1,730 |
| Net operating income to assets | 0.5017% | 4,823 |
| Return on assets (ROA) | 0.6169% | 4,485 |
| Pretax return on assets | 0.6169% | 5,057 |
| Return on Equity (ROE) | 7.0755% | 3,744 |
| Retained earnings to average equity (ytd only) | 7.0755% | 2,396 |
| Net charge-offs to loans | 0.0758% | 3,743 |
| Credit loss provision to net charge-offs | 742.5743% | 478 |
| Earnings coverage of net charge-offs (x) | 17.6436% | 1,299 |
| Efficiency ratio | 82.1853% | 1,914 |
| Assets per employee ($millions) | 3.5143% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,714 |
| Loan loss allowance to noncurrent loans | 56.7298% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 1,887 |
| Noncurrent loans to loans | 2.4209% | 2,687 |
| Net loans and leases to total assets | 63.5654% | 2,928 |
| Net loans and leases to deposits | 77.1698% | 2,651 |
| Net loans and leases to core deposits | 89.4781% | 1,902 |
| Total domestic deposits to total assets | 82.3708% | 5,169 |
| Equity capital to assets | 8.7740% | 5,784 |
| Core capital (leverage) ratio | 8.7301% | 5,251 |
| Tier 1 risk-based capital ratio | 12.1890% | 5,831 |
| Total risk-based capital ratio | 13.4391% | 5,808 |
| Memoranda: | ||
| Average total assets | $822,870,500 | 808 |
| Average earning assets | $761,202,000 | 791 |
| Average equity | $71,740,500 | 972 |
| Average total loans | $532,926,000 | 782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 5,304 |
| Cost of funding earning assets | 1.0067% | 3,327 |
| Net interest margin | 3.4243% | 5,407 |
| Noninterest income to average assets | 1.2930% | 771 |
| Noninterest expense to average assets | 3.6185% | 1,707 |
| Loan and lease loss provision to assets | 0.5762% | 1,799 |
| Net operating income to assets | 0.2584% | 5,405 |
| Return on assets (ROA) | 0.2313% | 5,627 |
| Pretax return on assets | 0.2313% | 5,712 |
| Return on Equity (ROE) | 2.7845% | 5,369 |
| Retained earnings to average equity (ytd only) | -1.1997% | 6,043 |
| Net charge-offs to loans | 1.1511% | 1,476 |
| Credit loss provision to net charge-offs | 75.4293% | 4,659 |
| Earnings coverage of net charge-offs (x) | 1.0926% | 4,968 |
| Efficiency ratio | 81.2576% | 2,125 |
| Assets per employee ($millions) | 3.6114% | 4,743 |
| Cash dividends to net income (ytd only)* | 143.0843% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,236 |
| Loan loss allowance to noncurrent loans | 61.1342% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 2,075 |
| Noncurrent loans to loans | 2.0239% | 3,173 |
| Net loans and leases to total assets | 64.2724% | 3,126 |
| Net loans and leases to deposits | 81.8094% | 2,225 |
| Net loans and leases to core deposits | 93.2709% | 1,770 |
| Total domestic deposits to total assets | 78.5635% | 6,082 |
| Equity capital to assets | 8.6627% | 5,944 |
| Core capital (leverage) ratio | 8.6796% | 5,283 |
| Tier 1 risk-based capital ratio | 11.8868% | 5,909 |
| Total risk-based capital ratio | 13.0300% | 5,956 |
| Memoranda: | ||
| Average total assets | $815,693,200 | 800 |
| Average earning assets | $752,760,000 | 786 |
| Average equity | $67,768,200 | 988 |
| Average total loans | $541,290,400 | 777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 5,268 |
| Cost of funding earning assets | 1.0535% | 3,295 |
| Net interest margin | 3.4406% | 5,425 |
| Noninterest income to average assets | 1.2940% | 777 |
| Noninterest expense to average assets | 3.6496% | 1,599 |
| Loan and lease loss provision to assets | 0.5898% | 1,670 |
| Net operating income to assets | 0.2277% | 5,625 |
| Return on assets (ROA) | 0.1745% | 5,888 |
| Pretax return on assets | 0.1745% | 5,940 |
| Return on Equity (ROE) | 2.1232% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.7277% | 5,721 |
| Net charge-offs to loans | 1.5275% | 949 |
| Credit loss provision to net charge-offs | 57.9057% | 4,854 |
| Earnings coverage of net charge-offs (x) | 0.8026% | 5,012 |
| Efficiency ratio | 81.6981% | 2,017 |
| Assets per employee ($millions) | 3.7396% | 4,434 |
| Cash dividends to net income (ytd only)* | 65.7279% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,093 |
| Loan loss allowance to noncurrent loans | 219.2171% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2480% | 2,843 |
| Noncurrent loans to loans | 0.4735% | 5,897 |
| Net loans and leases to total assets | 66.0521% | 2,892 |
| Net loans and leases to deposits | 83.2599% | 2,135 |
| Net loans and leases to core deposits | 95.5947% | 1,646 |
| Total domestic deposits to total assets | 79.3325% | 5,905 |
| Equity capital to assets | 8.8946% | 5,867 |
| Core capital (leverage) ratio | 8.7717% | 5,309 |
| Tier 1 risk-based capital ratio | 12.4483% | 5,539 |
| Total risk-based capital ratio | 13.4326% | 5,742 |
| Memoranda: | ||
| Average total assets | $813,765,250 | 812 |
| Average earning assets | $750,515,500 | 797 |
| Average equity | $66,878,000 | 1,009 |
| Average total loans | $542,650,000 | 786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 5,187 |
| Cost of funding earning assets | 1.0850% | 3,353 |
| Net interest margin | 3.4618% | 5,315 |
| Noninterest income to average assets | 1.2619% | 789 |
| Noninterest expense to average assets | 3.6287% | 1,681 |
| Loan and lease loss provision to assets | 0.5866% | 1,649 |
| Net operating income to assets | 0.2410% | 5,594 |
| Return on assets (ROA) | 0.0851% | 6,130 |
| Pretax return on assets | 0.0851% | 6,127 |
| Return on Equity (ROE) | 1.0635% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.0635% | 5,438 |
| Net charge-offs to loans | 1.9032% | 712 |
| Credit loss provision to net charge-offs | 46.2339% | 4,671 |
| Earnings coverage of net charge-offs (x) | 0.6523% | 4,807 |
| Efficiency ratio | 81.4283% | 2,183 |
| Assets per employee ($millions) | 3.6838% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 6,257 |
| Loan loss allowance to noncurrent loans | 64.2268% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4872% | 2,682 |
| Noncurrent loans to loans | 1.5848% | 4,020 |
| Net loans and leases to total assets | 64.4346% | 3,368 |
| Net loans and leases to deposits | 80.3130% | 2,735 |
| Net loans and leases to core deposits | 93.9148% | 1,903 |
| Total domestic deposits to total assets | 80.2293% | 5,757 |
| Equity capital to assets | 8.4066% | 6,298 |
| Core capital (leverage) ratio | 8.5706% | 5,441 |
| Tier 1 risk-based capital ratio | 12.7178% | 5,162 |
| Total risk-based capital ratio | 13.6920% | 5,386 |
| Memoranda: | ||
| Average total assets | $818,265,330 | 818 |
| Average earning assets | $755,047,670 | 803 |
| Average equity | $65,444,000 | 1,034 |
| Average total loans | $545,488,000 | 788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 4,816 |
| Cost of funding earning assets | 1.1097% | 3,463 |
| Net interest margin | 3.5208% | 4,913 |
| Noninterest income to average assets | 1.2761% | 782 |
| Noninterest expense to average assets | 3.7199% | 1,501 |
| Loan and lease loss provision to assets | 0.5838% | 1,479 |
| Net operating income to assets | 0.2184% | 5,723 |
| Return on assets (ROA) | 0.1138% | 6,113 |
| Pretax return on assets | 0.1138% | 6,141 |
| Return on Equity (ROE) | 1.4602% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.4602% | 5,228 |
| Net charge-offs to loans | 1.9775% | 644 |
| Credit loss provision to net charge-offs | 43.7796% | 3,874 |
| Earnings coverage of net charge-offs (x) | 0.6016% | 4,175 |
| Efficiency ratio | 82.2593% | 2,186 |
| Assets per employee ($millions) | 3.6549% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,639 |
| Loan loss allowance to noncurrent loans | 59.3084% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.8455% | 2,422 |
| Noncurrent loans to loans | 2.0212% | 3,543 |
| Net loans and leases to total assets | 66.0574% | 2,993 |
| Net loans and leases to deposits | 80.6186% | 2,593 |
| Net loans and leases to core deposits | 94.7846% | 1,794 |
| Total domestic deposits to total assets | 81.9381% | 5,341 |
| Equity capital to assets | 7.8115% | 6,669 |
| Core capital (leverage) ratio | 8.5014% | 5,450 |
| Tier 1 risk-based capital ratio | 12.2373% | 5,487 |
| Total risk-based capital ratio | 13.3948% | 5,553 |
| Memoranda: | ||
| Average total assets | $822,181,500 | 818 |
| Average earning assets | $758,013,000 | 808 |
| Average equity | $64,101,000 | 1,045 |
| Average total loans | $554,447,500 | 786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 5,701 |
| Cost of funding earning assets | 1.3757% | 3,420 |
| Net interest margin | 3.3513% | 5,788 |
| Noninterest income to average assets | 1.3065% | 859 |
| Noninterest expense to average assets | 3.4624% | 2,268 |
| Loan and lease loss provision to assets | 0.8610% | 1,890 |
| Net operating income to assets | 0.0865% | 5,620 |
| Return on assets (ROA) | 0.7146% | 3,301 |
| Pretax return on assets | 0.7146% | 3,924 |
| Return on Equity (ROE) | 8.6653% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,054 |
| Net charge-offs to loans | 0.8488% | 2,513 |
| Credit loss provision to net charge-offs | 149.4108% | 2,428 |
| Earnings coverage of net charge-offs (x) | 1.6441% | 4,503 |
| Efficiency ratio | 78.5156% | 2,614 |
| Assets per employee ($millions) | 3.4824% | 4,975 |
| Cash dividends to net income (ytd only)* | 35.2961% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,209 |
| Loan loss allowance to noncurrent loans | 48.9357% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 3.3204% | 2,132 |
| Noncurrent loans to loans | 2.9960% | 2,557 |
| Net loans and leases to total assets | 67.0216% | 3,217 |
| Net loans and leases to deposits | 84.8606% | 2,312 |
| Net loans and leases to core deposits | 107.0598% | 1,121 |
| Total domestic deposits to total assets | 78.9786% | 6,086 |
| Equity capital to assets | 7.7812% | 6,685 |
| Core capital (leverage) ratio | 8.5109% | 5,342 |
| Tier 1 risk-based capital ratio | 12.0034% | 5,469 |
| Total risk-based capital ratio | 13.2553% | 5,449 |
| Memoranda: | ||
| Average total assets | $824,669,400 | 818 |
| Average earning assets | $763,636,400 | 798 |
| Average equity | $68,007,000 | 988 |
| Average total loans | $559,825,200 | 803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 5,815 |
| Cost of funding earning assets | 1.4212% | 3,451 |
| Net interest margin | 3.3402% | 5,885 |
| Noninterest income to average assets | 1.3750% | 717 |
| Noninterest expense to average assets | 3.4299% | 2,207 |
| Loan and lease loss provision to assets | 0.6697% | 2,283 |
| Net operating income to assets | 0.3708% | 4,882 |
| Return on assets (ROA) | 0.9572% | 2,512 |
| Pretax return on assets | 0.9572% | 3,343 |
| Return on Equity (ROE) | 11.4477% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.4337% | 1,625 |
| Net charge-offs to loans | 0.5936% | 2,962 |
| Credit loss provision to net charge-offs | 166.2660% | 2,249 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 3,860 |
| Efficiency ratio | 76.7245% | 2,812 |
| Assets per employee ($millions) | 3.4038% | 5,199 |
| Cash dividends to net income (ytd only)* | 35.0640% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,796 |
| Loan loss allowance to noncurrent loans | 42.1984% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 3.3641% | 2,119 |
| Noncurrent loans to loans | 3.1533% | 2,522 |
| Net loans and leases to total assets | 69.8159% | 2,773 |
| Net loans and leases to deposits | 87.0799% | 2,140 |
| Net loans and leases to core deposits | 126.3940% | 443 |
| Total domestic deposits to total assets | 80.1745% | 5,647 |
| Equity capital to assets | 9.1473% | 5,385 |
| Core capital (leverage) ratio | 8.5903% | 5,363 |
| Tier 1 risk-based capital ratio | 12.0150% | 5,450 |
| Total risk-based capital ratio | 13.2650% | 5,422 |
| Memoranda: | ||
| Average total assets | $826,248,000 | 818 |
| Average earning assets | $765,692,250 | 797 |
| Average equity | $69,089,250 | 965 |
| Average total loans | $560,622,500 | 807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 5,888 |
| Cost of funding earning assets | 1.4418% | 3,606 |
| Net interest margin | 3.3304% | 5,906 |
| Noninterest income to average assets | 1.3006% | 752 |
| Noninterest expense to average assets | 3.3295% | 2,463 |
| Loan and lease loss provision to assets | 0.5733% | 2,482 |
| Net operating income to assets | 0.4930% | 4,359 |
| Return on assets (ROA) | 1.0873% | 1,967 |
| Pretax return on assets | 1.0873% | 2,819 |
| Return on Equity (ROE) | 13.4006% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.9544% | 1,455 |
| Net charge-offs to loans | 0.7044% | 2,458 |
| Credit loss provision to net charge-offs | 121.5805% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.2614% | 3,877 |
| Efficiency ratio | 75.7431% | 3,117 |
| Assets per employee ($millions) | 3.5885% | 4,720 |
| Cash dividends to net income (ytd only)* | 40.6415% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,821 |
| Loan loss allowance to noncurrent loans | 51.0849% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.1780% | 3,285 |
| Noncurrent loans to loans | 2.2014% | 3,477 |
| Net loans and leases to total assets | 66.4616% | 3,741 |
| Net loans and leases to deposits | 83.8350% | 2,901 |
| Net loans and leases to core deposits | 115.8721% | 848 |
| Total domestic deposits to total assets | 79.2767% | 5,946 |
| Equity capital to assets | 8.6271% | 5,979 |
| Core capital (leverage) ratio | 8.0069% | 6,267 |
| Tier 1 risk-based capital ratio | 11.6642% | 5,612 |
| Total risk-based capital ratio | 12.7243% | 5,767 |
| Memoranda: | ||
| Average total assets | $837,305,330 | 810 |
| Average earning assets | $778,167,000 | 788 |
| Average equity | $67,937,330 | 977 |
| Average total loans | $560,443,330 | 816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 6,328 |
| Cost of funding earning assets | 1.4323% | 3,972 |
| Net interest margin | 3.2435% | 6,150 |
| Noninterest income to average assets | 1.1773% | 881 |
| Noninterest expense to average assets | 3.2582% | 2,678 |
| Loan and lease loss provision to assets | 0.5692% | 2,217 |
| Net operating income to assets | 0.3671% | 4,989 |
| Return on assets (ROA) | 0.3999% | 4,982 |
| Pretax return on assets | 0.3999% | 5,289 |
| Return on Equity (ROE) | 5.0857% | 4,317 |
| Retained earnings to average equity (ytd only) | 0.2594% | 5,726 |
| Net charge-offs to loans | 0.9750% | 1,677 |
| Credit loss provision to net charge-offs | 87.3999% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.4377% | 3,884 |
| Efficiency ratio | 77.6773% | 2,949 |
| Assets per employee ($millions) | 3.8905% | 4,120 |
| Cash dividends to net income (ytd only)* | 94.8992% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 6,400 |
| Loan loss allowance to noncurrent loans | 57.1776% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 3,713 |
| Noncurrent loans to loans | 1.7697% | 4,095 |
| Net loans and leases to total assets | 63.3118% | 4,467 |
| Net loans and leases to deposits | 76.6108% | 4,298 |
| Net loans and leases to core deposits | 131.9824% | 437 |
| Total domestic deposits to total assets | 82.6408% | 4,782 |
| Equity capital to assets | 7.6625% | 6,957 |
| Core capital (leverage) ratio | 7.9984% | 6,243 |
| Tier 1 risk-based capital ratio | 10.9905% | 6,167 |
| Total risk-based capital ratio | 11.9299% | 6,449 |
| Memoranda: | ||
| Average total assets | $843,281,500 | 816 |
| Average earning assets | $784,466,500 | 793 |
| Average equity | $66,304,000 | 1,005 |
| Average total loans | $563,274,000 | 834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 5,941 |
| Cost of funding earning assets | 1.5065% | 5,484 |
| Net interest margin | 3.6282% | 4,443 |
| Noninterest income to average assets | 1.4303% | 715 |
| Noninterest expense to average assets | 3.5738% | 2,208 |
| Loan and lease loss provision to assets | 0.5279% | 3,731 |
| Net operating income to assets | 0.7131% | 2,882 |
| Return on assets (ROA) | 0.7472% | 2,827 |
| Pretax return on assets | 0.7472% | 3,416 |
| Return on Equity (ROE) | 8.8474% | 2,073 |
| Retained earnings to average equity (ytd only) | -0.8876% | 5,224 |
| Net charge-offs to loans | 0.5155% | 3,714 |
| Credit loss provision to net charge-offs | 135.0477% | 3,674 |
| Earnings coverage of net charge-offs (x) | 3.1747% | 3,469 |
| Efficiency ratio | 74.2250% | 3,854 |
| Assets per employee ($millions) | 3.6066% | 4,769 |
| Cash dividends to net income (ytd only)* | 110.0321% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,261 |
| Loan loss allowance to noncurrent loans | 102.9761% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 4,193 |
| Noncurrent loans to loans | 0.9918% | 5,333 |
| Net loans and leases to total assets | 69.1150% | 3,458 |
| Net loans and leases to deposits | 87.3030% | 2,679 |
| Net loans and leases to core deposits | 119.0498% | 2,029 |
| Total domestic deposits to total assets | 79.1668% | 5,938 |
| Equity capital to assets | 8.0766% | 6,496 |
| Core capital (leverage) ratio | 8.2297% | 5,764 |
| Tier 1 risk-based capital ratio | 10.9823% | 5,927 |
| Total risk-based capital ratio | 11.9505% | 6,185 |
| Memoranda: | ||
| Average total assets | $751,075,200 | 911 |
| Average earning assets | $700,614,200 | 892 |
| Average equity | $63,431,200 | 1,042 |
| Average total loans | $569,567,400 | 837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 6,125 |
| Cost of funding earning assets | 1.4802% | 5,910 |
| Net interest margin | 3.6650% | 4,221 |
| Noninterest income to average assets | 1.5042% | 654 |
| Noninterest expense to average assets | 3.6681% | 1,892 |
| Loan and lease loss provision to assets | 0.2657% | 4,839 |
| Net operating income to assets | 0.9958% | 2,078 |
| Return on assets (ROA) | 1.0567% | 1,936 |
| Pretax return on assets | 1.0567% | 2,714 |
| Return on Equity (ROE) | 12.3630% | 1,275 |
| Retained earnings to average equity (ytd only) | 8.3842% | 1,015 |
| Net charge-offs to loans | 0.0906% | 5,781 |
| Credit loss provision to net charge-offs | 378.5530% | 1,064 |
| Earnings coverage of net charge-offs (x) | 17.9715% | 1,371 |
| Efficiency ratio | 74.4094% | 3,800 |
| Assets per employee ($millions) | 3.4597% | 5,027 |
| Cash dividends to net income (ytd only)* | 32.1833% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,173 |
| Loan loss allowance to noncurrent loans | 118.5680% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 5,558 |
| Noncurrent loans to loans | 0.8589% | 5,579 |
| Net loans and leases to total assets | 71.6049% | 3,128 |
| Net loans and leases to deposits | 93.7494% | 1,923 |
| Net loans and leases to core deposits | 111.8760% | 3,034 |
| Total domestic deposits to total assets | 76.3791% | 6,504 |
| Equity capital to assets | 9.0713% | 5,378 |
| Core capital (leverage) ratio | 9.2233% | 4,301 |
| Tier 1 risk-based capital ratio | 11.8318% | 5,126 |
| Total risk-based capital ratio | 12.8163% | 5,312 |
| Memoranda: | ||
| Average total assets | $735,070,250 | 936 |
| Average earning assets | $687,022,000 | 912 |
| Average equity | $62,831,000 | 1,063 |
| Average total loans | $569,667,750 | 856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 6,144 |
| Cost of funding earning assets | 1.4669% | 6,270 |
| Net interest margin | 3.7136% | 3,896 |
| Noninterest income to average assets | 1.4674% | 684 |
| Noninterest expense to average assets | 3.7465% | 1,749 |
| Loan and lease loss provision to assets | 0.1637% | 5,423 |
| Net operating income to assets | 1.0271% | 2,014 |
| Return on assets (ROA) | 1.0349% | 2,067 |
| Pretax return on assets | 1.0349% | 2,861 |
| Return on Equity (ROE) | 12.3892% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.1092% | 1,965 |
| Net charge-offs to loans | 0.0895% | 5,296 |
| Credit loss provision to net charge-offs | 230.3150% | 2,004 |
| Earnings coverage of net charge-offs (x) | 16.7559% | 1,521 |
| Efficiency ratio | 75.8826% | 3,712 |
| Assets per employee ($millions) | 3.3310% | 5,236 |
| Cash dividends to net income (ytd only)* | 50.6894% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 6,816 |
| Loan loss allowance to noncurrent loans | 96.0023% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 5,283 |
| Noncurrent loans to loans | 0.9271% | 5,362 |
| Net loans and leases to total assets | 75.3301% | 2,359 |
| Net loans and leases to deposits | 102.6658% | 1,022 |
| Net loans and leases to core deposits | 121.5788% | 2,234 |
| Total domestic deposits to total assets | 73.3741% | 7,052 |
| Equity capital to assets | 8.9665% | 5,364 |
| Core capital (leverage) ratio | 9.5383% | 3,828 |
| Tier 1 risk-based capital ratio | 11.6429% | 5,249 |
| Total risk-based capital ratio | 12.5145% | 5,537 |
| Memoranda: | ||
| Average total assets | $714,847,330 | 979 |
| Average earning assets | $667,921,670 | 954 |
| Average equity | $59,713,330 | 1,136 |
| Average total loans | $567,673,670 | 881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2701% | 6,028 |
| Cost of funding earning assets | 1.4918% | 6,430 |
| Net interest margin | 3.7783% | 3,542 |
| Noninterest income to average assets | 1.3529% | 787 |
| Noninterest expense to average assets | 3.6768% | 1,697 |
| Loan and lease loss provision to assets | 0.1757% | 4,707 |
| Net operating income to assets | 1.0262% | 2,205 |
| Return on assets (ROA) | 1.0262% | 2,348 |
| Pretax return on assets | 1.0262% | 3,261 |
| Return on Equity (ROE) | 12.7968% | 1,440 |
| Retained earnings to average equity (ytd only) | 4.8931% | 3,195 |
| Net charge-offs to loans | 0.1510% | 3,754 |
| Credit loss provision to net charge-offs | 143.1925% | 2,863 |
| Earnings coverage of net charge-offs (x) | 9.7934% | 2,020 |
| Efficiency ratio | 75.3632% | 3,591 |
| Assets per employee ($millions) | 3.2158% | 5,556 |
| Cash dividends to net income (ytd only)* | 61.7631% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 6,919 |
| Loan loss allowance to noncurrent loans | 183.8612% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 5,508 |
| Noncurrent loans to loans | 0.4671% | 6,248 |
| Net loans and leases to total assets | 80.6635% | 1,263 |
| Net loans and leases to deposits | 105.0577% | 936 |
| Net loans and leases to core deposits | 122.4111% | 2,221 |
| Total domestic deposits to total assets | 76.7802% | 6,342 |
| Equity capital to assets | 8.0558% | 6,734 |
| Core capital (leverage) ratio | 8.0979% | 6,293 |
| Tier 1 risk-based capital ratio | 9.7483% | 7,206 |
| Total risk-based capital ratio | 10.5942% | 7,515 |
| Memoranda: | ||
| Average total assets | $694,199,000 | 1,018 |
| Average earning assets | $647,804,500 | 991 |
| Average equity | $55,670,000 | 1,219 |
| Average total loans | $564,151,000 | 890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1041% | 5,020 |
| Cost of funding earning assets | 2.2457% | 5,388 |
| Net interest margin | 3.8584% | 3,756 |
| Noninterest income to average assets | 1.4362% | 695 |
| Noninterest expense to average assets | 3.5809% | 2,199 |
| Loan and lease loss provision to assets | 0.3847% | 3,385 |
| Net operating income to assets | 1.0836% | 2,213 |
| Return on assets (ROA) | 1.1154% | 2,003 |
| Pretax return on assets | 1.0729% | 3,126 |
| Return on Equity (ROE) | 13.1788% | 1,289 |
| Retained earnings to average equity (ytd only) | 3.6842% | 2,857 |
| Net charge-offs to loans | 0.0922% | 5,415 |
| Credit loss provision to net charge-offs | 518.8285% | 843 |
| Earnings coverage of net charge-offs (x) | 19.2280% | 1,649 |
| Efficiency ratio | 71.5220% | 4,032 |
| Assets per employee ($millions) | 3.2421% | 5,355 |
| Cash dividends to net income (ytd only)* | 72.0445% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 6,886 |
| Loan loss allowance to noncurrent loans | 166.2265% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 5,271 |
| Noncurrent loans to loans | 0.5134% | 5,812 |
| Net loans and leases to total assets | 80.4769% | 1,556 |
| Net loans and leases to deposits | 107.4649% | 1,007 |
| Net loans and leases to core deposits | 122.0239% | 2,502 |
| Total domestic deposits to total assets | 74.8867% | 6,476 |
| Equity capital to assets | 7.9825% | 6,869 |
| Core capital (leverage) ratio | 8.2443% | 6,065 |
| Tier 1 risk-based capital ratio | 9.6855% | 7,103 |
| Total risk-based capital ratio | 10.5203% | 7,484 |
| Memoranda: | ||
| Average total assets | $644,621,000 | 1,039 |
| Average earning assets | $596,516,400 | 1,024 |
| Average equity | $54,557,400 | 1,234 |
| Average total loans | $518,694,000 | 914 |