Home > High Point Bank and Trust Company > Performance and Condition Ratios
High Point Bank and Trust Company, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 4,604 |
| Cost of funding earning assets | 0.2961% | 4,146 |
| Net interest margin | 3.2842% | 4,235 |
| Noninterest income to average assets | 1.3890% | 617 |
| Noninterest expense to average assets | 3.3920% | 1,358 |
| Loan and lease loss provision to assets | -0.0730% | 5,755 |
| Net operating income to assets | 0.7176% | 3,754 |
| Return on assets (ROA) | 0.7398% | 3,778 |
| Pretax return on assets | 1.0148% | 3,582 |
| Return on Equity (ROE) | 5.9898% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,109 |
| Net charge-offs to loans | 0.0299% | 3,058 |
| Credit loss provision to net charge-offs | -401.7857% | 5,020 |
| Earnings coverage of net charge-offs (x) | 50.1785% | 1,066 |
| Efficiency ratio | 78.4872% | 1,621 |
| Assets per employee ($millions) | 4.0396% | 3,900 |
| Cash dividends to net income (ytd only)* | 24.2709% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 2,074 |
| Loan loss allowance to noncurrent loans | 118.8494% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 2,514 |
| Noncurrent loans to loans | 1.2012% | 1,869 |
| Net loans and leases to total assets | 58.0900% | 4,085 |
| Net loans and leases to deposits | 70.7016% | 3,913 |
| Net loans and leases to core deposits | 75.8870% | 3,849 |
| Total domestic deposits to total assets | 82.1622% | 3,895 |
| Equity capital to assets | 12.8080% | 1,593 |
| Core capital (leverage) ratio | 11.8816% | 1,761 |
| Tier 1 risk-based capital ratio | 15.8384% | 2,688 |
| Total risk-based capital ratio | 16.9823% | 2,676 |
| Memoranda: | ||
| Average total assets | $822,040,000 | 883 |
| Average earning assets | $729,485,250 | 910 |
| Average equity | $101,525,000 | 784 |
| Average total loans | $498,700,000 | 978 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,602 |
| Cost of funding earning assets | 0.3033% | 4,085 |
| Net interest margin | 3.2924% | 4,260 |
| Noninterest income to average assets | 1.3779% | 603 |
| Noninterest expense to average assets | 3.4342% | 1,306 |
| Loan and lease loss provision to assets | 0.0121% | 3,862 |
| Net operating income to assets | 0.6442% | 4,073 |
| Return on assets (ROA) | 0.6464% | 4,201 |
| Pretax return on assets | 0.8595% | 4,084 |
| Return on Equity (ROE) | 5.2977% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.7988% | 3,467 |
| Net charge-offs to loans | 0.1260% | 1,583 |
| Credit loss provision to net charge-offs | 15.6740% | 2,965 |
| Earnings coverage of net charge-offs (x) | 11.2571% | 2,275 |
| Efficiency ratio | 79.4738% | 1,568 |
| Assets per employee ($millions) | 3.8360% | 4,200 |
| Cash dividends to net income (ytd only)* | 28.2934% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 2,202 |
| Loan loss allowance to noncurrent loans | 181.2372% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,064 |
| Noncurrent loans to loans | 0.7844% | 2,791 |
| Net loans and leases to total assets | 63.1335% | 3,482 |
| Net loans and leases to deposits | 77.5489% | 3,205 |
| Net loans and leases to core deposits | 84.2118% | 3,064 |
| Total domestic deposits to total assets | 81.4112% | 4,160 |
| Equity capital to assets | 13.1619% | 1,410 |
| Core capital (leverage) ratio | 11.7921% | 1,781 |
| Tier 1 risk-based capital ratio | 15.2335% | 2,967 |
| Total risk-based capital ratio | 16.4006% | 2,939 |
| Memoranda: | ||
| Average total assets | $826,745,330 | 880 |
| Average earning assets | $734,488,330 | 902 |
| Average equity | $100,873,670 | 787 |
| Average total loans | $506,226,670 | 970 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 4,881 |
| Cost of funding earning assets | 0.3107% | 4,053 |
| Net interest margin | 3.1925% | 4,607 |
| Noninterest income to average assets | 1.4561% | 533 |
| Noninterest expense to average assets | 3.3420% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6867% | 3,780 |
| Return on assets (ROA) | 0.6907% | 3,870 |
| Pretax return on assets | 0.9704% | 3,576 |
| Return on Equity (ROE) | 5.8723% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.4692% | 3,250 |
| Net charge-offs to loans | 0.1459% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.0323% | 1,890 |
| Efficiency ratio | 77.2707% | 1,999 |
| Assets per employee ($millions) | 4.0386% | 3,881 |
| Cash dividends to net income (ytd only)* | 23.8938% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 2,408 |
| Loan loss allowance to noncurrent loans | 242.9878% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,640 |
| Noncurrent loans to loans | 0.5772% | 3,464 |
| Net loans and leases to total assets | 59.1752% | 3,900 |
| Net loans and leases to deposits | 71.8901% | 3,659 |
| Net loans and leases to core deposits | 78.4922% | 3,449 |
| Total domestic deposits to total assets | 82.3134% | 4,114 |
| Equity capital to assets | 11.8437% | 2,126 |
| Core capital (leverage) ratio | 11.1932% | 2,229 |
| Tier 1 risk-based capital ratio | 14.9487% | 3,187 |
| Total risk-based capital ratio | 16.1135% | 3,157 |
| Memoranda: | ||
| Average total assets | $850,760,500 | 859 |
| Average earning assets | $759,667,000 | 884 |
| Average equity | $100,063,500 | 796 |
| Average total loans | $509,980,000 | 956 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,457 |
| Cost of funding earning assets | 0.3669% | 3,514 |
| Net interest margin | 3.3042% | 4,284 |
| Noninterest income to average assets | 1.3814% | 633 |
| Noninterest expense to average assets | 3.8563% | 804 |
| Loan and lease loss provision to assets | -0.1831% | 5,972 |
| Net operating income to assets | 0.5481% | 4,505 |
| Return on assets (ROA) | 0.5684% | 4,515 |
| Pretax return on assets | 0.6842% | 4,574 |
| Return on Equity (ROE) | 4.7112% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.2363% | 3,749 |
| Net charge-offs to loans | 0.0828% | 2,650 |
| Credit loss provision to net charge-offs | -354.6099% | 5,371 |
| Earnings coverage of net charge-offs (x) | 9.2340% | 2,845 |
| Efficiency ratio | 88.6454% | 784 |
| Assets per employee ($millions) | 3.8608% | 4,190 |
| Cash dividends to net income (ytd only)* | 31.3077% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,223 |
| Loan loss allowance to noncurrent loans | 113.4073% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 2,361 |
| Noncurrent loans to loans | 1.2760% | 1,847 |
| Net loans and leases to total assets | 59.0045% | 3,970 |
| Net loans and leases to deposits | 71.5492% | 3,762 |
| Net loans and leases to core deposits | 78.5478% | 3,489 |
| Total domestic deposits to total assets | 82.4669% | 4,027 |
| Equity capital to assets | 11.6793% | 2,210 |
| Core capital (leverage) ratio | 11.4564% | 1,997 |
| Tier 1 risk-based capital ratio | 15.4675% | 2,946 |
| Total risk-based capital ratio | 16.7108% | 2,888 |
| Memoranda: | ||
| Average total assets | $819,303,400 | 848 |
| Average earning assets | $731,895,000 | 872 |
| Average equity | $98,848,800 | 779 |
| Average total loans | $510,591,200 | 916 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,413 |
| Cost of funding earning assets | 0.3830% | 3,402 |
| Net interest margin | 3.3197% | 4,262 |
| Noninterest income to average assets | 1.4204% | 618 |
| Noninterest expense to average assets | 3.7365% | 923 |
| Loan and lease loss provision to assets | -0.1314% | 6,039 |
| Net operating income to assets | 0.6125% | 4,316 |
| Return on assets (ROA) | 0.6355% | 4,323 |
| Pretax return on assets | 0.8054% | 4,324 |
| Return on Equity (ROE) | 5.2233% | 4,521 |
| Retained earnings to average equity (ytd only) | 3.7288% | 3,822 |
| Net charge-offs to loans | 0.3185% | 837 |
| Credit loss provision to net charge-offs | -65.5201% | 4,995 |
| Earnings coverage of net charge-offs (x) | 3.2162% | 3,541 |
| Efficiency ratio | 84.9271% | 1,091 |
| Assets per employee ($millions) | 3.5394% | 4,724 |
| Cash dividends to net income (ytd only)* | 28.6120% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 2,529 |
| Loan loss allowance to noncurrent loans | 121.1782% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 2,442 |
| Noncurrent loans to loans | 1.1676% | 2,186 |
| Net loans and leases to total assets | 63.5291% | 3,375 |
| Net loans and leases to deposits | 78.1694% | 3,084 |
| Net loans and leases to core deposits | 86.2635% | 2,825 |
| Total domestic deposits to total assets | 81.2711% | 4,405 |
| Equity capital to assets | 12.5415% | 1,724 |
| Core capital (leverage) ratio | 11.5098% | 2,027 |
| Tier 1 risk-based capital ratio | 15.0487% | 3,269 |
| Total risk-based capital ratio | 16.2542% | 3,228 |
| Memoranda: | ||
| Average total assets | $811,786,000 | 868 |
| Average earning assets | $724,102,500 | 887 |
| Average equity | $98,760,750 | 784 |
| Average total loans | $511,107,250 | 912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 4,477 |
| Cost of funding earning assets | 0.3997% | 3,280 |
| Net interest margin | 3.2773% | 4,388 |
| Noninterest income to average assets | 1.3756% | 660 |
| Noninterest expense to average assets | 3.7029% | 982 |
| Loan and lease loss provision to assets | 0.0490% | 3,141 |
| Net operating income to assets | 0.4761% | 4,864 |
| Return on assets (ROA) | 0.5080% | 4,846 |
| Pretax return on assets | 0.5810% | 5,021 |
| Return on Equity (ROE) | 4.2180% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.7910% | 4,267 |
| Net charge-offs to loans | 0.4134% | 623 |
| Credit loss provision to net charge-offs | 18.9573% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.2967% | 3,370 |
| Efficiency ratio | 85.8331% | 1,072 |
| Assets per employee ($millions) | 3.3867% | 5,005 |
| Cash dividends to net income (ytd only)* | 33.8313% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,688 |
| Loan loss allowance to noncurrent loans | 162.6520% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 2,859 |
| Noncurrent loans to loans | 1.0260% | 2,594 |
| Net loans and leases to total assets | 62.6572% | 3,457 |
| Net loans and leases to deposits | 76.8378% | 3,175 |
| Net loans and leases to core deposits | 85.4292% | 2,830 |
| Total domestic deposits to total assets | 81.5448% | 4,435 |
| Equity capital to assets | 12.4235% | 1,698 |
| Core capital (leverage) ratio | 11.3514% | 2,118 |
| Tier 1 risk-based capital ratio | 14.9818% | 3,368 |
| Total risk-based capital ratio | 16.2421% | 3,298 |
| Memoranda: | ||
| Average total assets | $816,924,670 | 867 |
| Average earning assets | $727,968,670 | 884 |
| Average equity | $98,388,670 | 791 |
| Average total loans | $510,413,670 | 919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,609 |
| Cost of funding earning assets | 0.4235% | 3,023 |
| Net interest margin | 3.2029% | 4,600 |
| Noninterest income to average assets | 1.4063% | 592 |
| Noninterest expense to average assets | 3.6925% | 1,024 |
| Loan and lease loss provision to assets | 0.0724% | 2,489 |
| Net operating income to assets | 0.4501% | 4,873 |
| Return on assets (ROA) | 0.4892% | 4,858 |
| Pretax return on assets | 0.5495% | 5,048 |
| Return on Equity (ROE) | 4.1238% | 4,934 |
| Retained earnings to average equity (ytd only) | 2.6963% | 4,329 |
| Net charge-offs to loans | 0.3578% | 684 |
| Credit loss provision to net charge-offs | 32.6797% | 2,253 |
| Earnings coverage of net charge-offs (x) | 2.6100% | 2,728 |
| Efficiency ratio | 86.1048% | 1,174 |
| Assets per employee ($millions) | 3.6068% | 4,706 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 1,566 |
| Loan loss allowance to noncurrent loans | 112.8821% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 2,247 |
| Noncurrent loans to loans | 1.5662% | 1,786 |
| Net loans and leases to total assets | 60.0976% | 3,639 |
| Net loans and leases to deposits | 74.0294% | 3,306 |
| Net loans and leases to core deposits | 83.4734% | 2,824 |
| Total domestic deposits to total assets | 81.1807% | 4,774 |
| Equity capital to assets | 11.9151% | 2,088 |
| Core capital (leverage) ratio | 11.1328% | 2,284 |
| Tier 1 risk-based capital ratio | 15.4474% | 3,176 |
| Total risk-based capital ratio | 16.6900% | 3,116 |
| Memoranda: | ||
| Average total assets | $829,140,500 | 848 |
| Average earning assets | $741,449,000 | 863 |
| Average equity | $98,355,500 | 789 |
| Average total loans | $513,130,000 | 918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 4,089 |
| Cost of funding earning assets | 0.4942% | 2,723 |
| Net interest margin | 3.4174% | 4,125 |
| Noninterest income to average assets | 1.3896% | 630 |
| Noninterest expense to average assets | 3.6636% | 1,202 |
| Loan and lease loss provision to assets | 0.1111% | 2,312 |
| Net operating income to assets | 0.5480% | 4,605 |
| Return on assets (ROA) | 0.5764% | 4,559 |
| Pretax return on assets | 0.7043% | 4,612 |
| Return on Equity (ROE) | 4.8495% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,696 |
| Net charge-offs to loans | 0.4677% | 895 |
| Credit loss provision to net charge-offs | 36.8098% | 3,738 |
| Earnings coverage of net charge-offs (x) | 2.5873% | 4,112 |
| Efficiency ratio | 82.0676% | 1,654 |
| Assets per employee ($millions) | 3.6494% | 4,628 |
| Cash dividends to net income (ytd only)* | 26.5896% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 1,257 |
| Loan loss allowance to noncurrent loans | 159.1011% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 2,756 |
| Noncurrent loans to loans | 1.2095% | 2,430 |
| Net loans and leases to total assets | 61.4129% | 3,587 |
| Net loans and leases to deposits | 76.6220% | 3,129 |
| Net loans and leases to core deposits | 87.4616% | 2,557 |
| Total domestic deposits to total assets | 80.1504% | 4,975 |
| Equity capital to assets | 11.7749% | 2,194 |
| Core capital (leverage) ratio | 11.0283% | 2,384 |
| Tier 1 risk-based capital ratio | 15.3232% | 3,304 |
| Total risk-based capital ratio | 16.5792% | 3,256 |
| Memoranda: | ||
| Average total assets | $810,326,400 | 835 |
| Average earning assets | $724,331,800 | 845 |
| Average equity | $96,319,000 | 762 |
| Average total loans | $522,784,800 | 848 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,892 |
| Cost of funding earning assets | 0.5038% | 2,717 |
| Net interest margin | 3.4642% | 3,966 |
| Noninterest income to average assets | 1.3849% | 646 |
| Noninterest expense to average assets | 3.6142% | 1,270 |
| Loan and lease loss provision to assets | 0.1986% | 1,204 |
| Net operating income to assets | 0.5513% | 4,669 |
| Return on assets (ROA) | 0.5665% | 4,677 |
| Pretax return on assets | 0.6877% | 4,742 |
| Return on Equity (ROE) | 4.7548% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.4800% | 4,154 |
| Net charge-offs to loans | 0.5796% | 641 |
| Credit loss provision to net charge-offs | 52.7009% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 3,950 |
| Efficiency ratio | 80.2710% | 1,873 |
| Assets per employee ($millions) | 3.5694% | 4,736 |
| Cash dividends to net income (ytd only)* | 26.8108% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0249% | 1,214 |
| Loan loss allowance to noncurrent loans | 176.4011% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 2,618 |
| Noncurrent loans to loans | 1.1479% | 2,761 |
| Net loans and leases to total assets | 63.2395% | 3,302 |
| Net loans and leases to deposits | 79.3071% | 2,801 |
| Net loans and leases to core deposits | 91.3097% | 2,085 |
| Total domestic deposits to total assets | 79.7399% | 5,164 |
| Equity capital to assets | 12.2622% | 1,854 |
| Core capital (leverage) ratio | 11.0138% | 2,471 |
| Tier 1 risk-based capital ratio | 15.1126% | 3,524 |
| Total risk-based capital ratio | 16.3696% | 3,461 |
| Memoranda: | ||
| Average total assets | $805,802,750 | 846 |
| Average earning assets | $720,389,250 | 853 |
| Average equity | $96,012,250 | 762 |
| Average total loans | $523,796,250 | 847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,953 |
| Cost of funding earning assets | 0.5121% | 2,704 |
| Net interest margin | 3.4322% | 4,052 |
| Noninterest income to average assets | 1.3655% | 648 |
| Noninterest expense to average assets | 3.5473% | 1,394 |
| Loan and lease loss provision to assets | 0.2971% | 665 |
| Net operating income to assets | 0.4971% | 4,822 |
| Return on assets (ROA) | 0.5206% | 4,820 |
| Pretax return on assets | 0.6149% | 4,908 |
| Return on Equity (ROE) | 4.4118% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.1657% | 4,187 |
| Net charge-offs to loans | 1.0802% | 311 |
| Credit loss provision to net charge-offs | 42.2089% | 2,894 |
| Earnings coverage of net charge-offs (x) | 1.2564% | 3,857 |
| Efficiency ratio | 79.6715% | 2,067 |
| Assets per employee ($millions) | 3.4516% | 4,945 |
| Cash dividends to net income (ytd only)* | 28.2454% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 1,660 |
| Loan loss allowance to noncurrent loans | 141.4222% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 2,584 |
| Noncurrent loans to loans | 1.3197% | 2,606 |
| Net loans and leases to total assets | 66.0413% | 2,742 |
| Net loans and leases to deposits | 82.8911% | 2,152 |
| Net loans and leases to core deposits | 94.6641% | 1,722 |
| Total domestic deposits to total assets | 79.6723% | 5,311 |
| Equity capital to assets | 12.2947% | 1,779 |
| Core capital (leverage) ratio | 11.1523% | 2,290 |
| Tier 1 risk-based capital ratio | 14.8375% | 3,724 |
| Total risk-based capital ratio | 16.0931% | 3,662 |
| Memoranda: | ||
| Average total assets | $807,886,000 | 844 |
| Average earning assets | $721,699,330 | 852 |
| Average equity | $95,335,330 | 768 |
| Average total loans | $526,367,330 | 833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,996 |
| Cost of funding earning assets | 0.5259% | 2,648 |
| Net interest margin | 3.3983% | 4,122 |
| Noninterest income to average assets | 1.4708% | 539 |
| Noninterest expense to average assets | 3.4973% | 1,491 |
| Loan and lease loss provision to assets | 0.2933% | 665 |
| Net operating income to assets | 0.5836% | 4,270 |
| Return on assets (ROA) | 0.5836% | 4,343 |
| Pretax return on assets | 0.7185% | 4,423 |
| Return on Equity (ROE) | 5.0473% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.9059% | 3,771 |
| Net charge-offs to loans | 1.5695% | 201 |
| Credit loss provision to net charge-offs | 29.1404% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.0053% | 3,209 |
| Efficiency ratio | 77.1924% | 2,615 |
| Assets per employee ($millions) | 3.6259% | 4,668 |
| Cash dividends to net income (ytd only)* | 22.6131% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 1,680 |
| Loan loss allowance to noncurrent loans | 90.3608% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.7753% | 1,980 |
| Noncurrent loans to loans | 2.1329% | 1,718 |
| Net loans and leases to total assets | 63.0764% | 3,062 |
| Net loans and leases to deposits | 79.5455% | 2,361 |
| Net loans and leases to core deposits | 91.1973% | 1,805 |
| Total domestic deposits to total assets | 79.2960% | 5,631 |
| Equity capital to assets | 11.7579% | 2,047 |
| Core capital (leverage) ratio | 10.7341% | 2,668 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,810 |
| Total risk-based capital ratio | 16.0625% | 3,762 |
| Memoranda: | ||
| Average total assets | $818,345,500 | 837 |
| Average earning assets | $731,657,000 | 848 |
| Average equity | $94,625,500 | 772 |
| Average total loans | $524,747,500 | 835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 4,277 |
| Cost of funding earning assets | 0.5998% | 2,658 |
| Net interest margin | 3.3513% | 4,477 |
| Noninterest income to average assets | 1.1912% | 1,000 |
| Noninterest expense to average assets | 3.5351% | 1,582 |
| Loan and lease loss provision to assets | 0.3385% | 944 |
| Net operating income to assets | 0.2774% | 5,597 |
| Return on assets (ROA) | 0.3203% | 5,550 |
| Pretax return on assets | 0.3255% | 5,660 |
| Return on Equity (ROE) | 2.8241% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.9092% | 4,870 |
| Net charge-offs to loans | 0.7358% | 872 |
| Credit loss provision to net charge-offs | 71.1698% | 3,275 |
| Earnings coverage of net charge-offs (x) | 1.3038% | 4,631 |
| Efficiency ratio | 84.6591% | 1,553 |
| Assets per employee ($millions) | 3.6807% | 4,525 |
| Cash dividends to net income (ytd only)* | 32.3982% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 1,192 |
| Loan loss allowance to noncurrent loans | 111.9344% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7063% | 2,159 |
| Noncurrent loans to loans | 1.9536% | 2,038 |
| Net loans and leases to total assets | 62.5348% | 3,294 |
| Net loans and leases to deposits | 78.4601% | 2,665 |
| Net loans and leases to core deposits | 90.0328% | 2,019 |
| Total domestic deposits to total assets | 79.7027% | 5,510 |
| Equity capital to assets | 11.3711% | 2,264 |
| Core capital (leverage) ratio | 10.3813% | 3,044 |
| Tier 1 risk-based capital ratio | 14.4665% | 3,975 |
| Total risk-based capital ratio | 15.7256% | 3,909 |
| Memoranda: | ||
| Average total assets | $812,291,400 | 820 |
| Average earning assets | $718,441,400 | 846 |
| Average equity | $92,134,200 | 762 |
| Average total loans | $525,173,800 | 810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 4,224 |
| Cost of funding earning assets | 0.6104% | 2,731 |
| Net interest margin | 3.3651% | 4,414 |
| Noninterest income to average assets | 1.2752% | 902 |
| Noninterest expense to average assets | 3.5428% | 1,517 |
| Loan and lease loss provision to assets | 0.4490% | 637 |
| Net operating income to assets | 0.2444% | 5,796 |
| Return on assets (ROA) | 0.3013% | 5,726 |
| Pretax return on assets | 0.3097% | 5,852 |
| Return on Equity (ROE) | 2.6585% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.8256% | 5,224 |
| Net charge-offs to loans | 0.6734% | 894 |
| Credit loss provision to net charge-offs | 102.8302% | 2,281 |
| Earnings coverage of net charge-offs (x) | 1.6034% | 4,304 |
| Efficiency ratio | 83.0887% | 1,698 |
| Assets per employee ($millions) | 3.6597% | 4,534 |
| Cash dividends to net income (ytd only)* | 31.3285% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4378% | 1,001 |
| Loan loss allowance to noncurrent loans | 93.2737% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 1,821 |
| Noncurrent loans to loans | 2.6136% | 1,624 |
| Net loans and leases to total assets | 62.0775% | 3,344 |
| Net loans and leases to deposits | 78.1818% | 2,637 |
| Net loans and leases to core deposits | 91.4351% | 1,829 |
| Total domestic deposits to total assets | 79.4015% | 5,651 |
| Equity capital to assets | 11.0521% | 2,714 |
| Core capital (leverage) ratio | 10.2674% | 3,288 |
| Tier 1 risk-based capital ratio | 14.3954% | 4,149 |
| Total risk-based capital ratio | 15.6572% | 4,102 |
| Memoranda: | ||
| Average total assets | $809,242,500 | 829 |
| Average earning assets | $713,664,000 | 857 |
| Average equity | $91,729,500 | 769 |
| Average total loans | $524,687,750 | 814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 4,180 |
| Cost of funding earning assets | 0.6183% | 2,782 |
| Net interest margin | 3.3633% | 4,329 |
| Noninterest income to average assets | 1.3325% | 875 |
| Noninterest expense to average assets | 3.5431% | 1,515 |
| Loan and lease loss provision to assets | 0.4840% | 578 |
| Net operating income to assets | 0.2907% | 5,629 |
| Return on assets (ROA) | 0.3195% | 5,680 |
| Pretax return on assets | 0.2966% | 5,885 |
| Return on Equity (ROE) | 2.7946% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.0672% | 4,962 |
| Net charge-offs to loans | 0.5767% | 1,145 |
| Credit loss provision to net charge-offs | 128.6280% | 1,759 |
| Earnings coverage of net charge-offs (x) | 1.9980% | 3,854 |
| Efficiency ratio | 82.0840% | 1,879 |
| Assets per employee ($millions) | 3.4451% | 4,967 |
| Cash dividends to net income (ytd only)* | 26.0295% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4823% | 1,003 |
| Loan loss allowance to noncurrent loans | 73.8951% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.9437% | 1,383 |
| Noncurrent loans to loans | 3.3592% | 1,288 |
| Net loans and leases to total assets | 64.8266% | 2,791 |
| Net loans and leases to deposits | 82.6435% | 1,973 |
| Net loans and leases to core deposits | 96.5469% | 1,304 |
| Total domestic deposits to total assets | 78.4413% | 5,887 |
| Equity capital to assets | 11.4951% | 2,300 |
| Core capital (leverage) ratio | 10.5691% | 2,802 |
| Tier 1 risk-based capital ratio | 14.2669% | 4,248 |
| Total risk-based capital ratio | 15.5294% | 4,192 |
| Memoranda: | ||
| Average total assets | $805,729,000 | 831 |
| Average earning assets | $709,718,670 | 860 |
| Average equity | $92,105,000 | 767 |
| Average total loans | $525,711,330 | 796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 4,304 |
| Cost of funding earning assets | 0.6350% | 2,791 |
| Net interest margin | 3.3115% | 4,477 |
| Noninterest income to average assets | 1.5037% | 684 |
| Noninterest expense to average assets | 3.5352% | 1,551 |
| Loan and lease loss provision to assets | 0.4801% | 566 |
| Net operating income to assets | 0.3736% | 5,241 |
| Return on assets (ROA) | 0.3924% | 5,305 |
| Pretax return on assets | 0.4205% | 5,498 |
| Return on Equity (ROE) | 3.4422% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.4422% | 4,186 |
| Net charge-offs to loans | 0.8690% | 699 |
| Credit loss provision to net charge-offs | 85.4514% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.5670% | 3,311 |
| Efficiency ratio | 79.6610% | 2,382 |
| Assets per employee ($millions) | 3.5834% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3800% | 1,276 |
| Loan loss allowance to noncurrent loans | 67.6298% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 3.0868% | 1,436 |
| Noncurrent loans to loans | 3.5192% | 1,360 |
| Net loans and leases to total assets | 63.4626% | 2,810 |
| Net loans and leases to deposits | 80.5031% | 2,020 |
| Net loans and leases to core deposits | 94.1174% | 1,339 |
| Total domestic deposits to total assets | 78.8324% | 5,989 |
| Equity capital to assets | 11.5048% | 2,408 |
| Core capital (leverage) ratio | 10.3634% | 2,949 |
| Tier 1 risk-based capital ratio | 14.6066% | 4,105 |
| Total risk-based capital ratio | 15.8685% | 4,055 |
| Memoranda: | ||
| Average total assets | $812,410,500 | 823 |
| Average earning assets | $714,360,000 | 860 |
| Average equity | $92,616,000 | 771 |
| Average total loans | $525,197,500 | 801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 4,108 |
| Cost of funding earning assets | 0.7554% | 3,047 |
| Net interest margin | 3.5691% | 4,228 |
| Noninterest income to average assets | 1.2145% | 1,060 |
| Noninterest expense to average assets | 3.4797% | 1,863 |
| Loan and lease loss provision to assets | 0.7074% | 723 |
| Net operating income to assets | 0.1810% | 5,826 |
| Return on assets (ROA) | 0.2432% | 5,856 |
| Pretax return on assets | 0.1894% | 6,007 |
| Return on Equity (ROE) | 2.1094% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.7373% | 5,498 |
| Net charge-offs to loans | 1.2336% | 811 |
| Credit loss provision to net charge-offs | 85.8516% | 3,635 |
| Earnings coverage of net charge-offs (x) | 1.0128% | 4,963 |
| Efficiency ratio | 80.2245% | 2,116 |
| Assets per employee ($millions) | 3.7207% | 4,524 |
| Cash dividends to net income (ytd only)* | 65.0465% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4021% | 1,227 |
| Loan loss allowance to noncurrent loans | 73.6183% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.8478% | 1,679 |
| Noncurrent loans to loans | 3.2629% | 1,573 |
| Net loans and leases to total assets | 62.7450% | 3,109 |
| Net loans and leases to deposits | 79.7929% | 2,311 |
| Net loans and leases to core deposits | 92.7453% | 1,574 |
| Total domestic deposits to total assets | 78.6348% | 5,967 |
| Equity capital to assets | 11.2971% | 2,633 |
| Core capital (leverage) ratio | 10.4276% | 2,851 |
| Tier 1 risk-based capital ratio | 14.3490% | 4,126 |
| Total risk-based capital ratio | 15.6111% | 4,079 |
| Memoranda: | ||
| Average total assets | $795,145,200 | 834 |
| Average earning assets | $690,587,400 | 879 |
| Average equity | $91,686,800 | 763 |
| Average total loans | $531,136,000 | 778 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 4,105 |
| Cost of funding earning assets | 0.7726% | 3,168 |
| Net interest margin | 3.6141% | 4,172 |
| Noninterest income to average assets | 1.2139% | 1,014 |
| Noninterest expense to average assets | 3.5018% | 1,754 |
| Loan and lease loss provision to assets | 0.7475% | 663 |
| Net operating income to assets | 0.1728% | 5,981 |
| Return on assets (ROA) | 0.2411% | 5,996 |
| Pretax return on assets | 0.1715% | 6,168 |
| Return on Equity (ROE) | 2.0796% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.9385% | 5,795 |
| Net charge-offs to loans | 1.3822% | 656 |
| Credit loss provision to net charge-offs | 80.1776% | 3,608 |
| Earnings coverage of net charge-offs (x) | 0.9125% | 4,871 |
| Efficiency ratio | 80.0202% | 2,093 |
| Assets per employee ($millions) | 3.6208% | 4,716 |
| Cash dividends to net income (ytd only)* | 54.8701% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 1,436 |
| Loan loss allowance to noncurrent loans | 89.2977% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.6689% | 1,972 |
| Noncurrent loans to loans | 2.6299% | 2,162 |
| Net loans and leases to total assets | 65.4102% | 2,753 |
| Net loans and leases to deposits | 83.8038% | 1,892 |
| Net loans and leases to core deposits | 97.8200% | 1,280 |
| Total domestic deposits to total assets | 78.0515% | 6,064 |
| Equity capital to assets | 11.6139% | 2,631 |
| Core capital (leverage) ratio | 10.4320% | 2,996 |
| Tier 1 risk-based capital ratio | 14.3447% | 4,307 |
| Total risk-based capital ratio | 15.6059% | 4,264 |
| Memoranda: | ||
| Average total assets | $789,292,750 | 844 |
| Average earning assets | $685,443,750 | 891 |
| Average equity | $91,490,250 | 769 |
| Average total loans | $532,359,250 | 780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 4,164 |
| Cost of funding earning assets | 0.7874% | 3,300 |
| Net interest margin | 3.6192% | 4,185 |
| Noninterest income to average assets | 1.2334% | 937 |
| Noninterest expense to average assets | 3.4466% | 1,913 |
| Loan and lease loss provision to assets | 0.7614% | 681 |
| Net operating income to assets | 0.2241% | 5,846 |
| Return on assets (ROA) | 0.2611% | 5,923 |
| Pretax return on assets | 0.2038% | 6,144 |
| Return on Equity (ROE) | 2.2544% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.2137% | 5,591 |
| Net charge-offs to loans | 1.9712% | 431 |
| Credit loss provision to net charge-offs | 57.1320% | 3,879 |
| Earnings coverage of net charge-offs (x) | 0.6964% | 4,707 |
| Efficiency ratio | 78.3502% | 2,412 |
| Assets per employee ($millions) | 3.5198% | 4,941 |
| Cash dividends to net income (ytd only)* | 46.1613% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1190% | 1,949 |
| Loan loss allowance to noncurrent loans | 78.0590% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.8404% | 1,939 |
| Noncurrent loans to loans | 2.7146% | 2,212 |
| Net loans and leases to total assets | 65.7172% | 2,729 |
| Net loans and leases to deposits | 83.8870% | 1,864 |
| Net loans and leases to core deposits | 97.9841% | 1,279 |
| Total domestic deposits to total assets | 78.3402% | 6,094 |
| Equity capital to assets | 11.5324% | 2,558 |
| Core capital (leverage) ratio | 10.8980% | 2,393 |
| Tier 1 risk-based capital ratio | 14.3206% | 4,229 |
| Total risk-based capital ratio | 15.5789% | 4,186 |
| Memoranda: | ||
| Average total assets | $788,070,000 | 841 |
| Average earning assets | $684,016,670 | 891 |
| Average equity | $91,289,000 | 764 |
| Average total loans | $532,762,000 | 780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 4,161 |
| Cost of funding earning assets | 0.8206% | 3,309 |
| Net interest margin | 3.6189% | 4,187 |
| Noninterest income to average assets | 1.3315% | 807 |
| Noninterest expense to average assets | 3.4749% | 1,818 |
| Loan and lease loss provision to assets | 0.7649% | 655 |
| Net operating income to assets | 0.2631% | 5,771 |
| Return on assets (ROA) | 0.3172% | 5,764 |
| Pretax return on assets | 0.2876% | 6,006 |
| Return on Equity (ROE) | 2.7321% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.6867% | 5,388 |
| Net charge-offs to loans | 3.2099% | 216 |
| Credit loss provision to net charge-offs | 35.1288% | 3,534 |
| Earnings coverage of net charge-offs (x) | 0.4585% | 4,114 |
| Efficiency ratio | 77.2458% | 2,612 |
| Assets per employee ($millions) | 3.4493% | 5,237 |
| Cash dividends to net income (ytd only)* | 38.2637% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0440% | 2,229 |
| Loan loss allowance to noncurrent loans | 69.8177% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.0129% | 1,925 |
| Noncurrent loans to loans | 2.9277% | 2,209 |
| Net loans and leases to total assets | 66.3818% | 2,393 |
| Net loans and leases to deposits | 84.9965% | 1,533 |
| Net loans and leases to core deposits | 99.5826% | 1,012 |
| Total domestic deposits to total assets | 78.0994% | 6,249 |
| Equity capital to assets | 11.6867% | 2,271 |
| Core capital (leverage) ratio | 10.9612% | 2,291 |
| Tier 1 risk-based capital ratio | 14.4057% | 4,175 |
| Total risk-based capital ratio | 15.6631% | 4,137 |
| Memoranda: | ||
| Average total assets | $784,366,000 | 847 |
| Average earning assets | $680,980,000 | 894 |
| Average equity | $91,064,500 | 766 |
| Average total loans | $532,101,500 | 783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 4,714 |
| Cost of funding earning assets | 0.9009% | 4,110 |
| Net interest margin | 3.6887% | 4,348 |
| Noninterest income to average assets | 0.5133% | 3,761 |
| Noninterest expense to average assets | 3.4571% | 2,100 |
| Loan and lease loss provision to assets | 1.0704% | 852 |
| Net operating income to assets | -0.3539% | 6,383 |
| Return on assets (ROA) | -0.3020% | 6,397 |
| Pretax return on assets | -0.7039% | 6,602 |
| Return on Equity (ROE) | -2.5267% | 6,371 |
| Retained earnings to average equity (ytd only) | -3.7815% | 6,356 |
| Net charge-offs to loans | 1.3743% | 1,195 |
| Credit loss provision to net charge-offs | 117.0895% | 2,754 |
| Earnings coverage of net charge-offs (x) | 0.3122% | 5,593 |
| Efficiency ratio | 91.1607% | 1,107 |
| Assets per employee ($millions) | 3.5710% | 4,844 |
| Cash dividends to net income (ytd only)* | -49.6624% | 7,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5317% | 1,276 |
| Loan loss allowance to noncurrent loans | 65.9698% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 3.7308% | 1,565 |
| Noncurrent loans to loans | 3.8376% | 1,635 |
| Net loans and leases to total assets | 66.1898% | 2,749 |
| Net loans and leases to deposits | 84.5367% | 1,856 |
| Net loans and leases to core deposits | 98.8481% | 1,272 |
| Total domestic deposits to total assets | 78.2971% | 6,142 |
| Equity capital to assets | 11.5341% | 2,470 |
| Core capital (leverage) ratio | 10.8441% | 2,399 |
| Tier 1 risk-based capital ratio | 13.9854% | 4,336 |
| Total risk-based capital ratio | 15.2483% | 4,285 |
| Memoranda: | ||
| Average total assets | $784,741,800 | 839 |
| Average earning assets | $686,988,800 | 876 |
| Average equity | $93,799,800 | 730 |
| Average total loans | $522,002,600 | 797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 4,891 |
| Cost of funding earning assets | 0.9210% | 4,267 |
| Net interest margin | 3.6721% | 4,457 |
| Noninterest income to average assets | 0.3716% | 4,892 |
| Noninterest expense to average assets | 3.3932% | 2,205 |
| Loan and lease loss provision to assets | 1.2506% | 609 |
| Net operating income to assets | -0.5043% | 6,639 |
| Return on assets (ROA) | -0.4485% | 6,656 |
| Pretax return on assets | -0.9635% | 6,863 |
| Return on Equity (ROE) | -3.7194% | 6,610 |
| Retained earnings to average equity (ytd only) | -5.0457% | 6,597 |
| Net charge-offs to loans | 1.5870% | 891 |
| Credit loss provision to net charge-offs | 119.0862% | 2,735 |
| Earnings coverage of net charge-offs (x) | 0.1904% | 5,454 |
| Efficiency ratio | 93.8773% | 926 |
| Assets per employee ($millions) | 3.3652% | 5,331 |
| Cash dividends to net income (ytd only)* | -35.6600% | 7,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6675% | 1,169 |
| Loan loss allowance to noncurrent loans | 81.0260% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 3.4188% | 1,849 |
| Noncurrent loans to loans | 3.2921% | 2,098 |
| Net loans and leases to total assets | 63.1883% | 3,478 |
| Net loans and leases to deposits | 80.8855% | 2,538 |
| Net loans and leases to core deposits | 99.3757% | 1,304 |
| Total domestic deposits to total assets | 78.1207% | 6,171 |
| Equity capital to assets | 12.0061% | 2,247 |
| Core capital (leverage) ratio | 11.3270% | 2,139 |
| Tier 1 risk-based capital ratio | 15.7447% | 3,255 |
| Total risk-based capital ratio | 17.0087% | 3,206 |
| Memoranda: | ||
| Average total assets | $783,629,500 | 845 |
| Average earning assets | $687,464,750 | 877 |
| Average equity | $94,493,250 | 727 |
| Average total loans | $518,520,250 | 816 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 4,780 |
| Cost of funding earning assets | 0.9378% | 4,405 |
| Net interest margin | 3.7055% | 4,238 |
| Noninterest income to average assets | 1.1445% | 983 |
| Noninterest expense to average assets | 3.4173% | 2,216 |
| Loan and lease loss provision to assets | 1.0451% | 812 |
| Net operating income to assets | 0.1011% | 6,014 |
| Return on assets (ROA) | 0.1218% | 6,048 |
| Pretax return on assets | -0.0352% | 6,297 |
| Return on Equity (ROE) | 1.0090% | 6,086 |
| Retained earnings to average equity (ytd only) | -0.4728% | 5,955 |
| Net charge-offs to loans | 1.6007% | 917 |
| Credit loss provision to net charge-offs | 98.0627% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.9172% | 4,612 |
| Efficiency ratio | 77.2983% | 2,810 |
| Assets per employee ($millions) | 3.2985% | 5,429 |
| Cash dividends to net income (ytd only)* | 146.8619% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4229% | 1,556 |
| Loan loss allowance to noncurrent loans | 78.7375% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 3.9677% | 1,622 |
| Noncurrent loans to loans | 3.0772% | 2,343 |
| Net loans and leases to total assets | 63.9754% | 3,468 |
| Net loans and leases to deposits | 82.7864% | 2,319 |
| Net loans and leases to core deposits | 99.8695% | 1,353 |
| Total domestic deposits to total assets | 77.2777% | 6,415 |
| Equity capital to assets | 12.4146% | 1,835 |
| Core capital (leverage) ratio | 11.8107% | 1,714 |
| Tier 1 risk-based capital ratio | 16.1273% | 2,916 |
| Total risk-based capital ratio | 17.3882% | 2,881 |
| Memoranda: | ||
| Average total assets | $784,599,330 | 854 |
| Average earning assets | $688,226,000 | 884 |
| Average equity | $94,746,330 | 724 |
| Average total loans | $522,412,330 | 822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 4,881 |
| Cost of funding earning assets | 0.9418% | 4,631 |
| Net interest margin | 3.6742% | 4,230 |
| Noninterest income to average assets | 1.2107% | 868 |
| Noninterest expense to average assets | 3.4191% | 2,227 |
| Loan and lease loss provision to assets | 1.0620% | 702 |
| Net operating income to assets | 0.1225% | 6,032 |
| Return on assets (ROA) | 0.1300% | 6,067 |
| Pretax return on assets | -0.0172% | 6,376 |
| Return on Equity (ROE) | 1.0912% | 6,106 |
| Retained earnings to average equity (ytd only) | -0.3991% | 5,865 |
| Net charge-offs to loans | 1.8779% | 687 |
| Credit loss provision to net charge-offs | 84.3035% | 3,054 |
| Earnings coverage of net charge-offs (x) | 0.8202% | 4,025 |
| Efficiency ratio | 76.3403% | 3,103 |
| Assets per employee ($millions) | 3.4326% | 5,158 |
| Cash dividends to net income (ytd only)* | 136.5759% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3002% | 1,765 |
| Loan loss allowance to noncurrent loans | 83.1837% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 3.6733% | 1,845 |
| Noncurrent loans to loans | 2.7652% | 2,737 |
| Net loans and leases to total assets | 62.9283% | 3,679 |
| Net loans and leases to deposits | 80.2998% | 2,662 |
| Net loans and leases to core deposits | 99.8896% | 1,349 |
| Total domestic deposits to total assets | 78.3667% | 6,325 |
| Equity capital to assets | 11.6884% | 2,131 |
| Core capital (leverage) ratio | 11.9293% | 1,600 |
| Tier 1 risk-based capital ratio | 15.7158% | 3,048 |
| Total risk-based capital ratio | 16.9754% | 3,001 |
| Memoranda: | ||
| Average total assets | $790,979,000 | 850 |
| Average earning assets | $697,841,000 | 873 |
| Average equity | $94,209,000 | 722 |
| Average total loans | $530,594,000 | 815 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 4,615 |
| Cost of funding earning assets | 1.0865% | 5,209 |
| Net interest margin | 3.9026% | 3,472 |
| Noninterest income to average assets | 1.2357% | 989 |
| Noninterest expense to average assets | 3.5065% | 2,153 |
| Loan and lease loss provision to assets | 1.2266% | 1,270 |
| Net operating income to assets | 0.1176% | 5,543 |
| Return on assets (ROA) | 0.1893% | 5,475 |
| Pretax return on assets | 0.0513% | 5,795 |
| Return on Equity (ROE) | 1.5422% | 5,547 |
| Retained earnings to average equity (ytd only) | 0.0260% | 5,565 |
| Net charge-offs to loans | 1.2518% | 1,796 |
| Credit loss provision to net charge-offs | 137.5411% | 2,770 |
| Earnings coverage of net charge-offs (x) | 1.3525% | 4,757 |
| Efficiency ratio | 72.6079% | 3,678 |
| Assets per employee ($millions) | 3.1905% | 5,694 |
| Cash dividends to net income (ytd only)* | 98.3142% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 1,728 |
| Loan loss allowance to noncurrent loans | 50.4909% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 3.9996% | 1,702 |
| Noncurrent loans to loans | 4.5131% | 1,567 |
| Net loans and leases to total assets | 68.2677% | 2,916 |
| Net loans and leases to deposits | 88.0375% | 1,784 |
| Net loans and leases to core deposits | 107.8689% | 1,057 |
| Total domestic deposits to total assets | 77.5439% | 6,394 |
| Equity capital to assets | 12.1414% | 1,833 |
| Core capital (leverage) ratio | 11.9339% | 1,601 |
| Tier 1 risk-based capital ratio | 15.5082% | 2,994 |
| Total risk-based capital ratio | 16.7683% | 2,953 |
| Memoranda: | ||
| Average total assets | $783,495,800 | 864 |
| Average earning assets | $698,015,800 | 884 |
| Average equity | $96,160,200 | 697 |
| Average total loans | $558,152,800 | 809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 4,802 |
| Cost of funding earning assets | 1.1142% | 5,353 |
| Net interest margin | 3.8882% | 3,580 |
| Noninterest income to average assets | 1.2207% | 933 |
| Noninterest expense to average assets | 3.4482% | 2,160 |
| Loan and lease loss provision to assets | 0.9505% | 1,576 |
| Net operating income to assets | 0.2996% | 5,170 |
| Return on assets (ROA) | 0.3264% | 5,226 |
| Pretax return on assets | 0.3113% | 5,473 |
| Return on Equity (ROE) | 2.6523% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.2000% | 5,336 |
| Net charge-offs to loans | 1.6670% | 1,182 |
| Credit loss provision to net charge-offs | 79.6586% | 5,149 |
| Earnings coverage of net charge-offs (x) | 1.0350% | 5,025 |
| Efficiency ratio | 73.1806% | 3,486 |
| Assets per employee ($millions) | 3.0833% | 5,958 |
| Cash dividends to net income (ytd only)* | 54.7579% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,853 |
| Loan loss allowance to noncurrent loans | 40.0454% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 3.5014% | 2,040 |
| Noncurrent loans to loans | 3.8046% | 2,025 |
| Net loans and leases to total assets | 67.8778% | 3,250 |
| Net loans and leases to deposits | 87.6267% | 2,060 |
| Net loans and leases to core deposits | 109.5163% | 1,063 |
| Total domestic deposits to total assets | 77.4624% | 6,379 |
| Equity capital to assets | 12.4059% | 1,906 |
| Core capital (leverage) ratio | 11.7781% | 1,776 |
| Tier 1 risk-based capital ratio | 15.3913% | 3,049 |
| Total risk-based capital ratio | 16.6428% | 3,015 |
| Memoranda: | ||
| Average total assets | $785,546,000 | 862 |
| Average earning assets | $699,542,250 | 883 |
| Average equity | $96,667,250 | 694 |
| Average total loans | $562,286,500 | 806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 4,509 |
| Cost of funding earning assets | 1.1526% | 5,390 |
| Net interest margin | 3.9374% | 3,288 |
| Noninterest income to average assets | 1.2049% | 890 |
| Noninterest expense to average assets | 3.4602% | 2,119 |
| Loan and lease loss provision to assets | 0.8670% | 1,677 |
| Net operating income to assets | 0.3574% | 4,937 |
| Return on assets (ROA) | 0.3950% | 4,936 |
| Pretax return on assets | 0.4223% | 5,146 |
| Return on Equity (ROE) | 3.2187% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.7600% | 4,986 |
| Net charge-offs to loans | 0.6024% | 2,724 |
| Credit loss provision to net charge-offs | 198.5981% | 1,990 |
| Earnings coverage of net charge-offs (x) | 2.8616% | 3,558 |
| Efficiency ratio | 73.0236% | 3,655 |
| Assets per employee ($millions) | 3.1083% | 5,898 |
| Cash dividends to net income (ytd only)* | 45.3196% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 2,113 |
| Loan loss allowance to noncurrent loans | 48.9718% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.7787% | 1,845 |
| Noncurrent loans to loans | 4.1483% | 1,801 |
| Net loans and leases to total assets | 69.1322% | 3,098 |
| Net loans and leases to deposits | 89.1492% | 1,981 |
| Net loans and leases to core deposits | 111.9185% | 1,037 |
| Total domestic deposits to total assets | 77.5467% | 6,377 |
| Equity capital to assets | 12.1678% | 2,001 |
| Core capital (leverage) ratio | 12.0280% | 1,628 |
| Tier 1 risk-based capital ratio | 15.1023% | 3,105 |
| Total risk-based capital ratio | 16.3597% | 3,059 |
| Memoranda: | ||
| Average total assets | $784,289,330 | 871 |
| Average earning assets | $698,071,000 | 885 |
| Average equity | $96,249,000 | 685 |
| Average total loans | $568,362,330 | 805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 4,488 |
| Cost of funding earning assets | 1.2483% | 5,120 |
| Net interest margin | 3.8606% | 3,504 |
| Noninterest income to average assets | 1.3702% | 642 |
| Noninterest expense to average assets | 3.4566% | 2,085 |
| Loan and lease loss provision to assets | 0.6165% | 2,066 |
| Net operating income to assets | 0.5831% | 3,975 |
| Return on assets (ROA) | 0.5831% | 4,121 |
| Pretax return on assets | 0.7290% | 4,128 |
| Return on Equity (ROE) | 4.7310% | 4,518 |
| Retained earnings to average equity (ytd only) | 3.2679% | 4,183 |
| Net charge-offs to loans | 1.0318% | 1,596 |
| Credit loss provision to net charge-offs | 81.3559% | 3,842 |
| Earnings coverage of net charge-offs (x) | 1.7756% | 3,668 |
| Efficiency ratio | 71.5310% | 4,019 |
| Assets per employee ($millions) | 3.0295% | 6,145 |
| Cash dividends to net income (ytd only)* | 30.9251% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 3,186 |
| Loan loss allowance to noncurrent loans | 43.9829% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.6464% | 1,921 |
| Noncurrent loans to loans | 3.7891% | 2,089 |
| Net loans and leases to total assets | 71.8482% | 2,495 |
| Net loans and leases to deposits | 93.9151% | 1,357 |
| Net loans and leases to core deposits | 118.5130% | 850 |
| Total domestic deposits to total assets | 76.5034% | 6,662 |
| Equity capital to assets | 12.4504% | 1,780 |
| Core capital (leverage) ratio | 11.9519% | 1,670 |
| Tier 1 risk-based capital ratio | 15.1196% | 3,061 |
| Total risk-based capital ratio | 16.3731% | 3,012 |
| Memoranda: | ||
| Average total assets | $778,577,500 | 894 |
| Average earning assets | $692,114,500 | 910 |
| Average equity | $95,963,000 | 687 |
| Average total loans | $571,793,000 | 819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 5,185 |
| Cost of funding earning assets | 1.6200% | 4,934 |
| Net interest margin | 3.6775% | 4,229 |
| Noninterest income to average assets | 1.2908% | 901 |
| Noninterest expense to average assets | 3.3641% | 2,794 |
| Loan and lease loss provision to assets | 1.2173% | 1,885 |
| Net operating income to assets | 0.0840% | 5,257 |
| Return on assets (ROA) | 0.1730% | 5,059 |
| Pretax return on assets | 0.0822% | 5,256 |
| Return on Equity (ROE) | 1.4607% | 5,103 |
| Retained earnings to average equity (ytd only) | -0.9147% | 5,229 |
| Net charge-offs to loans | 1.2395% | 1,990 |
| Credit loss provision to net charge-offs | 131.3111% | 3,858 |
| Earnings coverage of net charge-offs (x) | 1.3058% | 4,821 |
| Efficiency ratio | 73.0073% | 4,096 |
| Assets per employee ($millions) | 3.0531% | 6,083 |
| Cash dividends to net income (ytd only)* | 162.6182% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 2,943 |
| Loan loss allowance to noncurrent loans | 47.6772% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 3.3612% | 2,028 |
| Noncurrent loans to loans | 3.5335% | 2,146 |
| Net loans and leases to total assets | 72.5692% | 2,615 |
| Net loans and leases to deposits | 95.0594% | 1,448 |
| Net loans and leases to core deposits | 135.5539% | 972 |
| Total domestic deposits to total assets | 76.3408% | 6,611 |
| Equity capital to assets | 12.2014% | 1,910 |
| Core capital (leverage) ratio | 11.6955% | 1,816 |
| Tier 1 risk-based capital ratio | 14.6298% | 3,140 |
| Total risk-based capital ratio | 15.8834% | 3,094 |
| Memoranda: | ||
| Average total assets | $794,785,000 | 865 |
| Average earning assets | $709,685,600 | 880 |
| Average equity | $94,131,400 | 691 |
| Average total loans | $594,449,200 | 798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 5,667 |
| Cost of funding earning assets | 1.6804% | 4,995 |
| Net interest margin | 3.5726% | 4,582 |
| Noninterest income to average assets | 1.1873% | 1,107 |
| Noninterest expense to average assets | 3.3695% | 2,667 |
| Loan and lease loss provision to assets | 1.4493% | 1,324 |
| Net operating income to assets | -0.1530% | 5,991 |
| Return on assets (ROA) | -0.0784% | 5,893 |
| Pretax return on assets | -0.3164% | 6,113 |
| Return on Equity (ROE) | -0.6665% | 5,880 |
| Retained earnings to average equity (ytd only) | -3.3452% | 5,996 |
| Net charge-offs to loans | 0.9596% | 2,057 |
| Credit loss provision to net charge-offs | 201.2761% | 2,217 |
| Earnings coverage of net charge-offs (x) | 1.4114% | 4,724 |
| Efficiency ratio | 76.2532% | 3,459 |
| Assets per employee ($millions) | 3.1340% | 5,823 |
| Cash dividends to net income (ytd only)* | -401.9174% | 8,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 1,815 |
| Loan loss allowance to noncurrent loans | 63.0731% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.7619% | 2,513 |
| Noncurrent loans to loans | 3.1617% | 2,390 |
| Net loans and leases to total assets | 72.1415% | 3,001 |
| Net loans and leases to deposits | 93.6521% | 1,937 |
| Net loans and leases to core deposits | 132.6325% | 1,300 |
| Total domestic deposits to total assets | 77.0314% | 6,328 |
| Equity capital to assets | 11.7098% | 2,425 |
| Core capital (leverage) ratio | 11.3655% | 2,143 |
| Tier 1 risk-based capital ratio | 14.2327% | 3,419 |
| Total risk-based capital ratio | 15.4901% | 3,362 |
| Memoranda: | ||
| Average total assets | $798,083,500 | 869 |
| Average earning assets | $714,499,500 | 886 |
| Average equity | $93,823,000 | 698 |
| Average total loans | $598,833,250 | 807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 5,809 |
| Cost of funding earning assets | 1.7624% | 4,944 |
| Net interest margin | 3.5032% | 4,785 |
| Noninterest income to average assets | 1.1859% | 1,113 |
| Noninterest expense to average assets | 3.4232% | 2,561 |
| Loan and lease loss provision to assets | 1.9519% | 835 |
| Net operating income to assets | -0.5400% | 6,588 |
| Return on assets (ROA) | -0.4587% | 6,511 |
| Pretax return on assets | -0.9284% | 6,767 |
| Return on Equity (ROE) | -3.8963% | 6,467 |
| Retained earnings to average equity (ytd only) | -7.1678% | 6,583 |
| Net charge-offs to loans | 1.2849% | 1,443 |
| Credit loss provision to net charge-offs | 201.1643% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.9239% | 4,840 |
| Efficiency ratio | 78.6598% | 3,244 |
| Assets per employee ($millions) | 3.1310% | 5,775 |
| Cash dividends to net income (ytd only)* | -83.9628% | 8,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,838 |
| Loan loss allowance to noncurrent loans | 67.0735% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6024% | 2,475 |
| Noncurrent loans to loans | 2.8066% | 2,568 |
| Net loans and leases to total assets | 73.6253% | 2,808 |
| Net loans and leases to deposits | 95.3017% | 1,902 |
| Net loans and leases to core deposits | 134.6719% | 1,279 |
| Total domestic deposits to total assets | 77.2549% | 6,266 |
| Equity capital to assets | 11.3811% | 2,613 |
| Core capital (leverage) ratio | 11.3862% | 2,139 |
| Tier 1 risk-based capital ratio | 13.6299% | 3,738 |
| Total risk-based capital ratio | 14.8858% | 3,660 |
| Memoranda: | ||
| Average total assets | $796,674,330 | 883 |
| Average earning assets | $712,659,670 | 900 |
| Average equity | $93,781,000 | 707 |
| Average total loans | $601,585,670 | 816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 6,115 |
| Cost of funding earning assets | 1.8623% | 4,820 |
| Net interest margin | 3.3875% | 5,179 |
| Noninterest income to average assets | 1.3401% | 796 |
| Noninterest expense to average assets | 3.3778% | 2,422 |
| Loan and lease loss provision to assets | 0.6799% | 1,858 |
| Net operating income to assets | 0.2478% | 5,495 |
| Return on assets (ROA) | 0.5122% | 4,554 |
| Pretax return on assets | 0.6572% | 4,565 |
| Return on Equity (ROE) | 4.2794% | 4,800 |
| Retained earnings to average equity (ytd only) | 1.0520% | 5,223 |
| Net charge-offs to loans | 0.7134% | 1,756 |
| Credit loss provision to net charge-offs | 125.8155% | 3,160 |
| Earnings coverage of net charge-offs (x) | 1.8472% | 3,807 |
| Efficiency ratio | 76.6026% | 3,388 |
| Assets per employee ($millions) | 3.0876% | 5,924 |
| Cash dividends to net income (ytd only)* | 75.4179% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,236 |
| Loan loss allowance to noncurrent loans | 51.3147% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.2600% | 2,538 |
| Noncurrent loans to loans | 2.4855% | 2,645 |
| Net loans and leases to total assets | 73.8524% | 2,792 |
| Net loans and leases to deposits | 95.8208% | 1,976 |
| Net loans and leases to core deposits | 145.6007% | 883 |
| Total domestic deposits to total assets | 77.0735% | 6,259 |
| Equity capital to assets | 11.8131% | 2,372 |
| Core capital (leverage) ratio | 11.8082% | 1,995 |
| Tier 1 risk-based capital ratio | 14.0297% | 3,571 |
| Total risk-based capital ratio | 15.1861% | 3,549 |
| Memoranda: | ||
| Average total assets | $794,247,500 | 886 |
| Average earning assets | $711,789,500 | 900 |
| Average equity | $95,060,000 | 701 |
| Average total loans | $601,654,000 | 819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1903% | 4,568 |
| Cost of funding earning assets | 2.5630% | 3,887 |
| Net interest margin | 3.6273% | 4,763 |
| Noninterest income to average assets | 1.2760% | 905 |
| Noninterest expense to average assets | 3.0034% | 4,070 |
| Loan and lease loss provision to assets | 0.4674% | 2,959 |
| Net operating income to assets | 0.7728% | 3,558 |
| Return on assets (ROA) | 0.7728% | 3,397 |
| Pretax return on assets | 1.0544% | 3,199 |
| Return on Equity (ROE) | 6.2948% | 3,829 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,002 |
| Net charge-offs to loans | 0.3768% | 2,957 |
| Credit loss provision to net charge-offs | 166.2132% | 3,096 |
| Earnings coverage of net charge-offs (x) | 5.4118% | 3,655 |
| Efficiency ratio | 65.9095% | 5,141 |
| Assets per employee ($millions) | 3.3880% | 4,970 |
| Cash dividends to net income (ytd only)* | 68.6139% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 4,280 |
| Loan loss allowance to noncurrent loans | 130.1493% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 4,002 |
| Noncurrent loans to loans | 0.9484% | 4,708 |
| Net loans and leases to total assets | 75.7774% | 2,683 |
| Net loans and leases to deposits | 101.7310% | 1,610 |
| Net loans and leases to core deposits | 144.4204% | 1,077 |
| Total domestic deposits to total assets | 74.4880% | 6,559 |
| Equity capital to assets | 12.1286% | 2,209 |
| Core capital (leverage) ratio | 11.9261% | 2,004 |
| Tier 1 risk-based capital ratio | 14.0734% | 3,515 |
| Total risk-based capital ratio | 15.1953% | 3,489 |
| Memoranda: | ||
| Average total assets | $784,170,600 | 865 |
| Average earning assets | $702,425,400 | 866 |
| Average equity | $96,269,800 | 693 |
| Average total loans | $585,136,800 | 819 |