Home > Kilgore National Bank > Performance and Condition Ratios
Kilgore National Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1917% | 5,947 |
| Cost of funding earning assets | 0.0603% | 5,886 |
| Net interest margin | 1.1314% | 5,941 |
| Noninterest income to average assets | 0.2182% | 5,159 |
| Noninterest expense to average assets | 1.2308% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1412% | 5,568 |
| Return on assets (ROA) | 0.1412% | 5,626 |
| Pretax return on assets | 0.0112% | 5,726 |
| Return on Equity (ROE) | 1.1180% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.1180% | 5,054 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0956% | 240 |
| Assets per employee ($millions) | 3.6972% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4958% | 1,202 |
| Noncurrent loans to loans | 0.1083% | 4,908 |
| Net loans and leases to total assets | 62.9910% | 3,527 |
| Net loans and leases to deposits | 75.1874% | 3,480 |
| Net loans and leases to core deposits | 77.1274% | 3,740 |
| Total domestic deposits to total assets | 83.7786% | 3,281 |
| Equity capital to assets | 14.6232% | 833 |
| Core capital (leverage) ratio | 12.8166% | 1,261 |
| Tier 1 risk-based capital ratio | 20.1310% | 1,424 |
| Total risk-based capital ratio | 20.1310% | 1,658 |
| Memoranda: | ||
| Average total assets | $83,089,000 | 4,703 |
| Average earning assets | $75,183,250 | 4,738 |
| Average equity | $10,494,500 | 4,539 |
| Average total loans | $53,394,250 | 4,512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,164 |
| Cost of funding earning assets | 0.2513% | 4,648 |
| Net interest margin | 4.4002% | 768 |
| Noninterest income to average assets | 0.5264% | 3,029 |
| Noninterest expense to average assets | 3.8113% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3954% | 5,051 |
| Return on assets (ROA) | 0.3954% | 5,126 |
| Pretax return on assets | 0.7084% | 4,588 |
| Return on Equity (ROE) | 3.3104% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.3104% | 3,794 |
| Net charge-offs to loans | -0.0225% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3264% | 1,020 |
| Assets per employee ($millions) | 3.0466% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,152 |
| Loan loss allowance to noncurrent loans | 2,572.9730% | 258 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 849 |
| Noncurrent loans to loans | 0.0685% | 5,178 |
| Net loans and leases to total assets | 64.5279% | 3,290 |
| Net loans and leases to deposits | 74.4470% | 3,535 |
| Net loans and leases to core deposits | 76.0894% | 3,814 |
| Total domestic deposits to total assets | 86.6762% | 2,071 |
| Equity capital to assets | 12.0619% | 2,087 |
| Core capital (leverage) ratio | 12.0624% | 1,585 |
| Tier 1 risk-based capital ratio | 18.6366% | 1,769 |
| Total risk-based capital ratio | 19.8920% | 1,732 |
| Memoranda: | ||
| Average total assets | $82,440,000 | 4,760 |
| Average earning assets | $74,815,330 | 4,789 |
| Average equity | $9,847,670 | 4,675 |
| Average total loans | $53,337,330 | 4,544 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 1,184 |
| Cost of funding earning assets | 0.2510% | 4,695 |
| Net interest margin | 4.3793% | 775 |
| Noninterest income to average assets | 0.6446% | 2,295 |
| Noninterest expense to average assets | 3.7368% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5816% | 4,264 |
| Return on assets (ROA) | 0.5816% | 4,377 |
| Pretax return on assets | 0.8821% | 3,921 |
| Return on Equity (ROE) | 4.8927% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.8927% | 3,006 |
| Net charge-offs to loans | -0.0226% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9024% | 1,496 |
| Assets per employee ($millions) | 3.0245% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 1,139 |
| Loan loss allowance to noncurrent loans | 491.7098% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9593% | 904 |
| Noncurrent loans to loans | 0.3675% | 4,116 |
| Net loans and leases to total assets | 63.1567% | 3,362 |
| Net loans and leases to deposits | 72.4643% | 3,610 |
| Net loans and leases to core deposits | 74.0637% | 3,893 |
| Total domestic deposits to total assets | 87.1556% | 2,126 |
| Equity capital to assets | 12.0925% | 1,964 |
| Core capital (leverage) ratio | 12.1600% | 1,520 |
| Tier 1 risk-based capital ratio | 19.3238% | 1,651 |
| Total risk-based capital ratio | 20.5802% | 1,617 |
| Memoranda: | ||
| Average total assets | $82,530,500 | 4,797 |
| Average earning assets | $74,897,500 | 4,826 |
| Average equity | $9,810,500 | 4,703 |
| Average total loans | $52,990,000 | 4,591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,644 |
| Cost of funding earning assets | 0.2531% | 4,747 |
| Net interest margin | 4.2319% | 1,094 |
| Noninterest income to average assets | 0.7393% | 2,030 |
| Noninterest expense to average assets | 3.9113% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4309% | 4,949 |
| Return on assets (ROA) | 0.4309% | 5,028 |
| Pretax return on assets | 0.6527% | 4,670 |
| Return on Equity (ROE) | 3.9089% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.9089% | 3,258 |
| Net charge-offs to loans | 0.0937% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.5306% | 2,565 |
| Efficiency ratio | 85.6998% | 1,020 |
| Assets per employee ($millions) | 3.0889% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,970.8333% | 329 |
| Noncurrent assets plus other real estate owned to assets | 1.7446% | 1,092 |
| Noncurrent loans to loans | 0.0898% | 5,135 |
| Net loans and leases to total assets | 62.9624% | 3,420 |
| Net loans and leases to deposits | 71.6410% | 3,756 |
| Net loans and leases to core deposits | 73.1724% | 4,025 |
| Total domestic deposits to total assets | 87.8859% | 1,690 |
| Equity capital to assets | 11.6860% | 2,204 |
| Core capital (leverage) ratio | 11.6117% | 1,883 |
| Tier 1 risk-based capital ratio | 19.1977% | 1,658 |
| Total risk-based capital ratio | 20.4534% | 1,612 |
| Memoranda: | ||
| Average total assets | $86,569,400 | 4,735 |
| Average earning assets | $78,238,200 | 4,758 |
| Average equity | $9,542,400 | 4,739 |
| Average total loans | $52,311,000 | 4,602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 1,786 |
| Cost of funding earning assets | 0.2516% | 4,870 |
| Net interest margin | 4.1870% | 1,192 |
| Noninterest income to average assets | 0.7081% | 2,196 |
| Noninterest expense to average assets | 3.8994% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3922% | 5,190 |
| Return on assets (ROA) | 0.3922% | 5,282 |
| Pretax return on assets | 0.5937% | 4,988 |
| Return on Equity (ROE) | 3.6102% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.6102% | 3,899 |
| Net charge-offs to loans | 0.0948% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.5139% | 2,590 |
| Efficiency ratio | 86.7867% | 951 |
| Assets per employee ($millions) | 3.1011% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,257 |
| Loan loss allowance to noncurrent loans | 439.4495% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 1,070 |
| Noncurrent loans to loans | 0.4104% | 4,138 |
| Net loans and leases to total assets | 62.2935% | 3,566 |
| Net loans and leases to deposits | 71.1088% | 3,861 |
| Net loans and leases to core deposits | 72.6246% | 4,136 |
| Total domestic deposits to total assets | 87.6032% | 1,744 |
| Equity capital to assets | 11.5107% | 2,500 |
| Core capital (leverage) ratio | 11.4538% | 2,072 |
| Tier 1 risk-based capital ratio | 19.1498% | 1,738 |
| Total risk-based capital ratio | 20.4076% | 1,700 |
| Memoranda: | ||
| Average total assets | $87,362,000 | 4,780 |
| Average earning assets | $78,973,000 | 4,800 |
| Average equity | $9,491,500 | 4,810 |
| Average total loans | $52,024,750 | 4,662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 2,189 |
| Cost of funding earning assets | 0.2524% | 4,912 |
| Net interest margin | 4.0405% | 1,523 |
| Noninterest income to average assets | 0.6887% | 2,260 |
| Noninterest expense to average assets | 3.8477% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3252% | 5,369 |
| Return on assets (ROA) | 0.3252% | 5,467 |
| Pretax return on assets | 0.4923% | 5,246 |
| Return on Equity (ROE) | 3.0500% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.0500% | 4,102 |
| Net charge-offs to loans | 0.0774% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 2,335 |
| Efficiency ratio | 88.6576% | 861 |
| Assets per employee ($millions) | 2.8966% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 1,177 |
| Loan loss allowance to noncurrent loans | 902.7778% | 614 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 1,138 |
| Noncurrent loans to loans | 0.2098% | 4,931 |
| Net loans and leases to total assets | 60.1286% | 3,816 |
| Net loans and leases to deposits | 68.3483% | 4,104 |
| Net loans and leases to core deposits | 70.1841% | 4,311 |
| Total domestic deposits to total assets | 87.9738% | 1,664 |
| Equity capital to assets | 11.3238% | 2,553 |
| Core capital (leverage) ratio | 10.7678% | 2,658 |
| Tier 1 risk-based capital ratio | 19.5365% | 1,661 |
| Total risk-based capital ratio | 20.7958% | 1,620 |
| Memoranda: | ||
| Average total assets | $88,572,330 | 4,804 |
| Average earning assets | $80,040,330 | 4,828 |
| Average equity | $9,442,670 | 4,850 |
| Average total loans | $51,660,670 | 4,704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,747 |
| Cost of funding earning assets | 0.2430% | 5,093 |
| Net interest margin | 3.8784% | 1,969 |
| Noninterest income to average assets | 0.7000% | 2,162 |
| Noninterest expense to average assets | 3.7025% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3390% | 5,284 |
| Return on assets (ROA) | 0.3390% | 5,395 |
| Pretax return on assets | 0.5107% | 5,152 |
| Return on Equity (ROE) | 3.2738% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.2738% | 4,017 |
| Net charge-offs to loans | 0.0077% | 3,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 431 |
| Efficiency ratio | 87.8788% | 1,025 |
| Assets per employee ($millions) | 3.1180% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 1,292 |
| Loan loss allowance to noncurrent loans | 1,092.3077% | 501 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 1,437 |
| Noncurrent loans to loans | 0.1736% | 5,151 |
| Net loans and leases to total assets | 56.8567% | 4,107 |
| Net loans and leases to deposits | 63.8733% | 4,381 |
| Net loans and leases to core deposits | 66.4208% | 4,481 |
| Total domestic deposits to total assets | 89.0148% | 1,258 |
| Equity capital to assets | 10.4543% | 3,581 |
| Core capital (leverage) ratio | 10.4205% | 3,075 |
| Tier 1 risk-based capital ratio | 19.2024% | 1,815 |
| Total risk-based capital ratio | 20.4612% | 1,769 |
| Memoranda: | ||
| Average total assets | $90,858,500 | 4,794 |
| Average earning assets | $82,301,000 | 4,815 |
| Average equity | $9,408,000 | 4,893 |
| Average total loans | $51,749,500 | 4,746 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,375 |
| Cost of funding earning assets | 0.2373% | 5,450 |
| Net interest margin | 4.1212% | 1,509 |
| Noninterest income to average assets | 0.6286% | 2,689 |
| Noninterest expense to average assets | 3.6601% | 1,210 |
| Loan and lease loss provision to assets | 0.0221% | 4,174 |
| Net operating income to assets | 0.4530% | 5,008 |
| Return on assets (ROA) | 0.4530% | 5,100 |
| Pretax return on assets | 0.6872% | 4,669 |
| Return on Equity (ROE) | 4.4722% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.4722% | 2,994 |
| Net charge-offs to loans | 0.0959% | 3,133 |
| Credit loss provision to net charge-offs | 40.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | 12.8400% | 2,335 |
| Efficiency ratio | 83.7674% | 1,442 |
| Assets per employee ($millions) | 3.2605% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,208 |
| Loan loss allowance to noncurrent loans | 399.5984% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 3,088 |
| Noncurrent loans to loans | 0.4873% | 4,201 |
| Net loans and leases to total assets | 54.8760% | 4,465 |
| Net loans and leases to deposits | 61.4214% | 4,769 |
| Net loans and leases to core deposits | 66.0623% | 4,664 |
| Total domestic deposits to total assets | 89.3433% | 1,050 |
| Equity capital to assets | 10.2558% | 3,785 |
| Core capital (leverage) ratio | 10.1840% | 3,330 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,342 |
| Total risk-based capital ratio | 18.6790% | 2,308 |
| Memoranda: | ||
| Average total assets | $90,517,600 | 4,828 |
| Average earning assets | $82,160,000 | 4,852 |
| Average equity | $9,167,800 | 4,930 |
| Average total loans | $52,152,800 | 4,751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,395 |
| Cost of funding earning assets | 0.2384% | 5,527 |
| Net interest margin | 4.1194% | 1,518 |
| Noninterest income to average assets | 0.6185% | 2,759 |
| Noninterest expense to average assets | 3.6239% | 1,253 |
| Loan and lease loss provision to assets | 0.0148% | 4,120 |
| Net operating income to assets | 0.4812% | 4,940 |
| Return on assets (ROA) | 0.4812% | 5,020 |
| Pretax return on assets | 0.7292% | 4,595 |
| Return on Equity (ROE) | 4.7665% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.7665% | 3,230 |
| Net charge-offs to loans | 0.0178% | 4,177 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 72.0236% | 761 |
| Efficiency ratio | 82.9672% | 1,496 |
| Assets per employee ($millions) | 3.1858% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9660% | 1,319 |
| Loan loss allowance to noncurrent loans | 353.2646% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 3,531 |
| Noncurrent loans to loans | 0.5565% | 4,250 |
| Net loans and leases to total assets | 55.4856% | 4,398 |
| Net loans and leases to deposits | 62.1064% | 4,730 |
| Net loans and leases to core deposits | 66.7344% | 4,640 |
| Total domestic deposits to total assets | 89.3395% | 1,051 |
| Equity capital to assets | 10.0457% | 4,109 |
| Core capital (leverage) ratio | 10.2218% | 3,382 |
| Tier 1 risk-based capital ratio | 17.2413% | 2,503 |
| Total risk-based capital ratio | 18.4990% | 2,462 |
| Memoranda: | ||
| Average total assets | $90,323,250 | 4,881 |
| Average earning assets | $82,210,500 | 4,899 |
| Average equity | $9,119,000 | 4,982 |
| Average total loans | $52,417,500 | 4,782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,341 |
| Cost of funding earning assets | 0.2426% | 5,561 |
| Net interest margin | 4.1163% | 1,457 |
| Noninterest income to average assets | 0.6248% | 2,684 |
| Noninterest expense to average assets | 3.6258% | 1,251 |
| Loan and lease loss provision to assets | 0.0112% | 4,023 |
| Net operating income to assets | 0.4864% | 4,859 |
| Return on assets (ROA) | 0.4864% | 4,931 |
| Pretax return on assets | 0.7363% | 4,510 |
| Return on Equity (ROE) | 4.8097% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.8097% | 3,081 |
| Net charge-offs to loans | 0.0038% | 4,250 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 206 |
| Efficiency ratio | 82.9082% | 1,643 |
| Assets per employee ($millions) | 2.9865% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 1,423 |
| Loan loss allowance to noncurrent loans | 651.2658% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 3,996 |
| Noncurrent loans to loans | 0.3021% | 5,106 |
| Net loans and leases to total assets | 55.3796% | 4,368 |
| Net loans and leases to deposits | 61.8438% | 4,709 |
| Net loans and leases to core deposits | 66.2108% | 4,616 |
| Total domestic deposits to total assets | 89.5475% | 1,053 |
| Equity capital to assets | 9.9124% | 4,231 |
| Core capital (leverage) ratio | 10.1944% | 3,348 |
| Tier 1 risk-based capital ratio | 17.2479% | 2,517 |
| Total risk-based capital ratio | 18.5057% | 2,476 |
| Memoranda: | ||
| Average total assets | $89,635,000 | 4,940 |
| Average earning assets | $81,627,670 | 4,944 |
| Average equity | $9,065,000 | 5,012 |
| Average total loans | $52,460,000 | 4,808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 2,141 |
| Cost of funding earning assets | 0.2538% | 5,543 |
| Net interest margin | 4.1446% | 1,354 |
| Noninterest income to average assets | 0.5807% | 2,854 |
| Noninterest expense to average assets | 3.6433% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4719% | 4,830 |
| Return on assets (ROA) | 0.4719% | 4,908 |
| Pretax return on assets | 0.7169% | 4,431 |
| Return on Equity (ROE) | 4.6176% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.6176% | 3,349 |
| Net charge-offs to loans | 0.0076% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 308 |
| Efficiency ratio | 83.5588% | 1,723 |
| Assets per employee ($millions) | 3.0456% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 1,709 |
| Loan loss allowance to noncurrent loans | 930.9091% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 4,166 |
| Noncurrent loans to loans | 0.2057% | 5,478 |
| Net loans and leases to total assets | 59.3963% | 3,651 |
| Net loans and leases to deposits | 66.5120% | 4,024 |
| Net loans and leases to core deposits | 71.2191% | 3,955 |
| Total domestic deposits to total assets | 89.3016% | 1,472 |
| Equity capital to assets | 10.2534% | 3,534 |
| Core capital (leverage) ratio | 10.4119% | 3,032 |
| Tier 1 risk-based capital ratio | 17.6970% | 2,410 |
| Total risk-based capital ratio | 18.9569% | 2,374 |
| Memoranda: | ||
| Average total assets | $88,162,000 | 5,015 |
| Average earning assets | $80,393,500 | 5,015 |
| Average equity | $9,009,000 | 5,048 |
| Average total loans | $52,540,000 | 4,842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 1,881 |
| Cost of funding earning assets | 0.2845% | 5,722 |
| Net interest margin | 4.3146% | 1,073 |
| Noninterest income to average assets | 0.6631% | 2,741 |
| Noninterest expense to average assets | 3.3885% | 1,908 |
| Loan and lease loss provision to assets | 0.0844% | 3,425 |
| Net operating income to assets | 0.7362% | 3,625 |
| Return on assets (ROA) | 0.7362% | 3,704 |
| Pretax return on assets | 1.1167% | 2,898 |
| Return on Equity (ROE) | 7.5717% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.5717% | 1,208 |
| Net charge-offs to loans | 0.0285% | 4,853 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 71.1333% | 601 |
| Efficiency ratio | 73.8288% | 3,156 |
| Assets per employee ($millions) | 3.0346% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 1,584 |
| Loan loss allowance to noncurrent loans | 1,486.9565% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 4,409 |
| Noncurrent loans to loans | 0.1337% | 5,805 |
| Net loans and leases to total assets | 57.4646% | 4,129 |
| Net loans and leases to deposits | 64.1792% | 4,490 |
| Net loans and leases to core deposits | 69.1934% | 4,378 |
| Total domestic deposits to total assets | 89.5377% | 1,311 |
| Equity capital to assets | 10.1839% | 3,530 |
| Core capital (leverage) ratio | 10.1301% | 3,387 |
| Tier 1 risk-based capital ratio | 17.8862% | 2,276 |
| Total risk-based capital ratio | 19.1464% | 2,239 |
| Memoranda: | ||
| Average total assets | $88,830,800 | 5,006 |
| Average earning assets | $80,842,400 | 5,014 |
| Average equity | $8,637,400 | 5,176 |
| Average total loans | $52,544,200 | 4,865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 1,878 |
| Cost of funding earning assets | 0.2896% | 5,818 |
| Net interest margin | 4.3182% | 1,054 |
| Noninterest income to average assets | 0.6454% | 2,902 |
| Noninterest expense to average assets | 3.3498% | 1,949 |
| Loan and lease loss provision to assets | 0.0898% | 3,261 |
| Net operating income to assets | 0.7487% | 3,604 |
| Return on assets (ROA) | 0.7487% | 3,734 |
| Pretax return on assets | 1.1351% | 2,966 |
| Return on Equity (ROE) | 7.7914% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.7914% | 1,501 |
| Net charge-offs to loans | 0.0051% | 5,084 |
| Credit loss provision to net charge-offs | 3,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 408.4794% | 141 |
| Efficiency ratio | 73.2242% | 3,186 |
| Assets per employee ($millions) | 3.2104% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 1,880 |
| Loan loss allowance to noncurrent loans | 4,447.8261% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 4,810 |
| Noncurrent loans to loans | 0.0437% | 6,214 |
| Net loans and leases to total assets | 57.4663% | 4,093 |
| Net loans and leases to deposits | 64.1248% | 4,505 |
| Net loans and leases to core deposits | 70.2167% | 4,302 |
| Total domestic deposits to total assets | 89.6163% | 1,215 |
| Equity capital to assets | 9.7952% | 4,191 |
| Core capital (leverage) ratio | 10.0044% | 3,676 |
| Tier 1 risk-based capital ratio | 17.2517% | 2,609 |
| Total risk-based capital ratio | 18.5100% | 2,566 |
| Memoranda: | ||
| Average total assets | $89,038,000 | 5,051 |
| Average earning assets | $81,018,500 | 5,055 |
| Average equity | $8,556,250 | 5,255 |
| Average total loans | $52,781,250 | 4,892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,710 |
| Cost of funding earning assets | 0.2949% | 5,869 |
| Net interest margin | 4.3510% | 933 |
| Noninterest income to average assets | 0.6580% | 2,870 |
| Noninterest expense to average assets | 3.3508% | 1,932 |
| Loan and lease loss provision to assets | 0.0901% | 3,282 |
| Net operating income to assets | 0.7752% | 3,432 |
| Return on assets (ROA) | 0.7752% | 3,584 |
| Pretax return on assets | 1.1740% | 2,790 |
| Return on Equity (ROE) | 8.1196% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.1196% | 1,436 |
| Net charge-offs to loans | 0.0076% | 4,740 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 179 |
| Efficiency ratio | 72.6074% | 3,371 |
| Assets per employee ($millions) | 3.3234% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 2,122 |
| Loan loss allowance to noncurrent loans | 2,507.5000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 4,782 |
| Noncurrent loans to loans | 0.0756% | 6,168 |
| Net loans and leases to total assets | 60.0343% | 3,648 |
| Net loans and leases to deposits | 67.2026% | 4,114 |
| Net loans and leases to core deposits | 73.8844% | 3,828 |
| Total domestic deposits to total assets | 89.3333% | 1,425 |
| Equity capital to assets | 10.0047% | 3,911 |
| Core capital (leverage) ratio | 9.7990% | 3,792 |
| Tier 1 risk-based capital ratio | 16.8047% | 2,788 |
| Total risk-based capital ratio | 18.0625% | 2,757 |
| Memoranda: | ||
| Average total assets | $88,753,670 | 5,082 |
| Average earning assets | $80,717,670 | 5,099 |
| Average equity | $8,473,330 | 5,317 |
| Average total loans | $52,815,000 | 4,921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 1,823 |
| Cost of funding earning assets | 0.2897% | 6,046 |
| Net interest margin | 4.3107% | 950 |
| Noninterest income to average assets | 0.6539% | 2,856 |
| Noninterest expense to average assets | 3.4918% | 1,639 |
| Loan and lease loss provision to assets | 0.0890% | 3,180 |
| Net operating income to assets | 0.6450% | 3,992 |
| Return on assets (ROA) | 0.6450% | 4,151 |
| Pretax return on assets | 0.9786% | 3,446 |
| Return on Equity (ROE) | 6.9151% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.9151% | 2,192 |
| Net charge-offs to loans | -0.0152% | 5,594 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5854% | 2,830 |
| Assets per employee ($millions) | 3.3553% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 2,564 |
| Loan loss allowance to noncurrent loans | 331.2081% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 4,268 |
| Noncurrent loans to loans | 0.5484% | 5,067 |
| Net loans and leases to total assets | 58.8909% | 3,629 |
| Net loans and leases to deposits | 65.3171% | 4,149 |
| Net loans and leases to core deposits | 71.6563% | 3,860 |
| Total domestic deposits to total assets | 90.1615% | 954 |
| Equity capital to assets | 9.3385% | 5,081 |
| Core capital (leverage) ratio | 9.5590% | 3,986 |
| Tier 1 risk-based capital ratio | 15.9670% | 3,291 |
| Total risk-based capital ratio | 17.2240% | 3,242 |
| Memoranda: | ||
| Average total assets | $89,926,000 | 5,098 |
| Average earning assets | $81,472,500 | 5,104 |
| Average equity | $8,387,500 | 5,389 |
| Average total loans | $52,783,500 | 4,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,377 |
| Cost of funding earning assets | 0.3713% | 6,102 |
| Net interest margin | 4.3854% | 1,192 |
| Noninterest income to average assets | 0.6879% | 2,785 |
| Noninterest expense to average assets | 3.8271% | 1,208 |
| Loan and lease loss provision to assets | 0.0866% | 4,615 |
| Net operating income to assets | 0.4882% | 4,726 |
| Return on assets (ROA) | 0.4882% | 4,984 |
| Pretax return on assets | 0.7548% | 4,461 |
| Return on Equity (ROE) | 5.2288% | 4,573 |
| Retained earnings to average equity (ytd only) | 5.2288% | 2,553 |
| Net charge-offs to loans | 0.0798% | 4,872 |
| Credit loss provision to net charge-offs | 187.5000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 18.2250% | 1,452 |
| Efficiency ratio | 81.9778% | 1,869 |
| Assets per employee ($millions) | 2.9753% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 2,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 5,131 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.3125% | 4,233 |
| Net loans and leases to deposits | 62.3105% | 4,751 |
| Net loans and leases to core deposits | 67.3798% | 4,604 |
| Total domestic deposits to total assets | 90.3741% | 763 |
| Equity capital to assets | 9.3156% | 5,130 |
| Core capital (leverage) ratio | 9.4050% | 4,248 |
| Tier 1 risk-based capital ratio | 16.8456% | 2,729 |
| Total risk-based capital ratio | 18.1036% | 2,687 |
| Memoranda: | ||
| Average total assets | $86,644,200 | 5,173 |
| Average earning assets | $78,648,000 | 5,169 |
| Average equity | $8,089,800 | 5,475 |
| Average total loans | $50,105,200 | 5,103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 2,711 |
| Cost of funding earning assets | 0.3842% | 6,202 |
| Net interest margin | 4.3365% | 1,384 |
| Noninterest income to average assets | 0.7070% | 2,675 |
| Noninterest expense to average assets | 3.8453% | 1,132 |
| Loan and lease loss provision to assets | 0.0930% | 4,427 |
| Net operating income to assets | 0.4683% | 4,962 |
| Return on assets (ROA) | 0.4683% | 5,217 |
| Pretax return on assets | 0.7241% | 4,778 |
| Return on Equity (ROE) | 5.0123% | 4,812 |
| Retained earnings to average equity (ytd only) | 5.0123% | 3,353 |
| Net charge-offs to loans | 0.0508% | 4,944 |
| Credit loss provision to net charge-offs | 315.7895% | 845 |
| Earnings coverage of net charge-offs (x) | 27.7398% | 1,174 |
| Efficiency ratio | 82.4742% | 1,756 |
| Assets per employee ($millions) | 3.0549% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 2,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 5,315 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.8678% | 4,610 |
| Net loans and leases to deposits | 60.8213% | 5,108 |
| Net loans and leases to core deposits | 65.8204% | 4,969 |
| Total domestic deposits to total assets | 90.2114% | 723 |
| Equity capital to assets | 9.2502% | 5,532 |
| Core capital (leverage) ratio | 9.2869% | 4,606 |
| Tier 1 risk-based capital ratio | 17.2704% | 2,619 |
| Total risk-based capital ratio | 18.5307% | 2,572 |
| Memoranda: | ||
| Average total assets | $85,990,500 | 5,239 |
| Average earning assets | $78,433,500 | 5,230 |
| Average equity | $8,033,500 | 5,550 |
| Average total loans | $49,824,250 | 5,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 2,660 |
| Cost of funding earning assets | 0.4023% | 6,252 |
| Net interest margin | 4.3631% | 1,302 |
| Noninterest income to average assets | 0.6978% | 2,686 |
| Noninterest expense to average assets | 3.8861% | 1,093 |
| Loan and lease loss provision to assets | 0.1057% | 4,205 |
| Net operating income to assets | 0.4394% | 5,079 |
| Return on assets (ROA) | 0.4394% | 5,306 |
| Pretax return on assets | 0.6814% | 4,884 |
| Return on Equity (ROE) | 4.6869% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.6869% | 3,494 |
| Net charge-offs to loans | 0.0721% | 4,424 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 18.6111% | 1,476 |
| Efficiency ratio | 83.1574% | 1,730 |
| Assets per employee ($millions) | 2.8973% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 5,486 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 58.5530% | 4,070 |
| Net loans and leases to deposits | 65.1026% | 4,629 |
| Net loans and leases to core deposits | 70.5267% | 4,465 |
| Total domestic deposits to total assets | 89.9397% | 959 |
| Equity capital to assets | 9.6093% | 4,903 |
| Core capital (leverage) ratio | 9.5820% | 4,031 |
| Tier 1 risk-based capital ratio | 16.7853% | 2,767 |
| Total risk-based capital ratio | 18.0443% | 2,719 |
| Memoranda: | ||
| Average total assets | $85,123,000 | 5,300 |
| Average earning assets | $77,560,000 | 5,284 |
| Average equity | $7,979,670 | 5,578 |
| Average total loans | $49,905,670 | 5,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 2,905 |
| Cost of funding earning assets | 0.4250% | 6,280 |
| Net interest margin | 4.3118% | 1,432 |
| Noninterest income to average assets | 0.6630% | 2,850 |
| Noninterest expense to average assets | 3.8659% | 1,108 |
| Loan and lease loss provision to assets | 0.1167% | 3,889 |
| Net operating income to assets | 0.4856% | 4,888 |
| Return on assets (ROA) | 0.4856% | 5,089 |
| Pretax return on assets | 0.6116% | 5,079 |
| Return on Equity (ROE) | 5.2442% | 4,671 |
| Retained earnings to average equity (ytd only) | 5.2442% | 3,408 |
| Net charge-offs to loans | -0.0080% | 5,887 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1463% | 1,673 |
| Assets per employee ($millions) | 2.9533% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,612 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.4137% | 3,968 |
| Net loans and leases to deposits | 64.6771% | 4,542 |
| Net loans and leases to core deposits | 69.9237% | 4,432 |
| Total domestic deposits to total assets | 90.3160% | 902 |
| Equity capital to assets | 9.3209% | 5,065 |
| Core capital (leverage) ratio | 9.5285% | 4,012 |
| Tier 1 risk-based capital ratio | 16.2842% | 3,026 |
| Total risk-based capital ratio | 17.5407% | 2,983 |
| Memoranda: | ||
| Average total assets | $85,673,000 | 5,321 |
| Average earning assets | $78,111,000 | 5,300 |
| Average equity | $7,932,500 | 5,620 |
| Average total loans | $49,781,000 | 5,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 2,813 |
| Cost of funding earning assets | 0.4555% | 6,713 |
| Net interest margin | 4.5593% | 997 |
| Noninterest income to average assets | 0.7142% | 2,528 |
| Noninterest expense to average assets | 3.8403% | 1,275 |
| Loan and lease loss provision to assets | 0.2272% | 3,930 |
| Net operating income to assets | 0.5075% | 4,390 |
| Return on assets (ROA) | 0.5075% | 4,601 |
| Pretax return on assets | 0.7710% | 4,076 |
| Return on Equity (ROE) | 5.4730% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.4730% | 2,319 |
| Net charge-offs to loans | -0.0189% | 6,953 |
| Credit loss provision to net charge-offs | -2,088.8889% | 6,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3706% | 2,392 |
| Assets per employee ($millions) | 2.9552% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 2,520 |
| Loan loss allowance to noncurrent loans | 808.6957% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,389 |
| Noncurrent loans to loans | 0.2367% | 6,264 |
| Net loans and leases to total assets | 55.5974% | 4,779 |
| Net loans and leases to deposits | 61.4261% | 5,321 |
| Net loans and leases to core deposits | 65.7055% | 5,286 |
| Total domestic deposits to total assets | 90.5111% | 716 |
| Equity capital to assets | 9.1972% | 5,291 |
| Core capital (leverage) ratio | 9.4596% | 4,093 |
| Tier 1 risk-based capital ratio | 16.4795% | 2,830 |
| Total risk-based capital ratio | 17.7386% | 2,792 |
| Memoranda: | ||
| Average total assets | $82,754,400 | 5,374 |
| Average earning assets | $74,858,600 | 5,380 |
| Average equity | $7,674,000 | 5,671 |
| Average total loans | $47,528,600 | 5,364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 2,606 |
| Cost of funding earning assets | 0.4647% | 6,838 |
| Net interest margin | 4.6358% | 878 |
| Noninterest income to average assets | 0.6714% | 2,764 |
| Noninterest expense to average assets | 3.8397% | 1,250 |
| Loan and lease loss provision to assets | 0.2438% | 3,566 |
| Net operating income to assets | 0.5088% | 4,513 |
| Return on assets (ROA) | 0.5088% | 4,697 |
| Pretax return on assets | 0.7722% | 4,232 |
| Return on Equity (ROE) | 5.4752% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.4752% | 2,872 |
| Net charge-offs to loans | -0.0254% | 6,947 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0760% | 2,399 |
| Assets per employee ($millions) | 2.8844% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 4,672 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.7771% | 4,878 |
| Net loans and leases to deposits | 61.8113% | 5,425 |
| Net loans and leases to core deposits | 65.9967% | 5,416 |
| Total domestic deposits to total assets | 90.2378% | 753 |
| Equity capital to assets | 9.2960% | 5,389 |
| Core capital (leverage) ratio | 9.3899% | 4,322 |
| Tier 1 risk-based capital ratio | 16.4278% | 2,894 |
| Total risk-based capital ratio | 17.6856% | 2,860 |
| Memoranda: | ||
| Average total assets | $82,018,000 | 5,438 |
| Average earning assets | $74,031,250 | 5,442 |
| Average equity | $7,622,000 | 5,713 |
| Average total loans | $47,266,500 | 5,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 2,648 |
| Cost of funding earning assets | 0.4788% | 6,919 |
| Net interest margin | 4.6279% | 859 |
| Noninterest income to average assets | 0.6628% | 2,750 |
| Noninterest expense to average assets | 3.8417% | 1,289 |
| Loan and lease loss provision to assets | 0.2577% | 3,337 |
| Net operating income to assets | 0.4860% | 4,561 |
| Return on assets (ROA) | 0.4860% | 4,707 |
| Pretax return on assets | 0.7389% | 4,250 |
| Return on Equity (ROE) | 5.2307% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.2307% | 2,855 |
| Net charge-offs to loans | -0.0254% | 6,884 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4013% | 2,484 |
| Assets per employee ($millions) | 2.9135% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 3,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1314% | 4,629 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.3297% | 4,756 |
| Net loans and leases to deposits | 63.5785% | 5,331 |
| Net loans and leases to core deposits | 68.2460% | 5,272 |
| Total domestic deposits to total assets | 90.1715% | 884 |
| Equity capital to assets | 9.3933% | 4,985 |
| Core capital (leverage) ratio | 9.2441% | 4,331 |
| Tier 1 risk-based capital ratio | 15.9473% | 3,001 |
| Total risk-based capital ratio | 17.2034% | 2,966 |
| Memoranda: | ||
| Average total assets | $81,474,330 | 5,503 |
| Average earning assets | $73,510,330 | 5,508 |
| Average equity | $7,570,670 | 5,742 |
| Average total loans | $47,172,330 | 5,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 2,258 |
| Cost of funding earning assets | 0.4912% | 7,000 |
| Net interest margin | 4.6990% | 703 |
| Noninterest income to average assets | 0.7074% | 2,534 |
| Noninterest expense to average assets | 3.7729% | 1,385 |
| Loan and lease loss provision to assets | 0.2948% | 2,801 |
| Net operating income to assets | 0.5748% | 4,156 |
| Return on assets (ROA) | 0.5748% | 4,232 |
| Pretax return on assets | 0.8695% | 3,626 |
| Return on Equity (ROE) | 6.2197% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.2197% | 2,512 |
| Net charge-offs to loans | 0.0170% | 4,842 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 275 |
| Efficiency ratio | 76.4179% | 3,086 |
| Assets per employee ($millions) | 3.0038% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 4,728 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.8895% | 5,012 |
| Net loans and leases to deposits | 61.6469% | 5,554 |
| Net loans and leases to core deposits | 65.9942% | 5,512 |
| Total domestic deposits to total assets | 90.6607% | 776 |
| Equity capital to assets | 9.0147% | 5,184 |
| Core capital (leverage) ratio | 9.4092% | 3,943 |
| Tier 1 risk-based capital ratio | 15.4680% | 3,173 |
| Total risk-based capital ratio | 16.7218% | 3,123 |
| Memoranda: | ||
| Average total assets | $81,422,000 | 5,550 |
| Average earning assets | $73,292,000 | 5,562 |
| Average equity | $7,524,500 | 5,766 |
| Average total loans | $46,952,000 | 5,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 3,481 |
| Cost of funding earning assets | 0.7082% | 6,858 |
| Net interest margin | 4.5172% | 1,194 |
| Noninterest income to average assets | 0.8438% | 2,086 |
| Noninterest expense to average assets | 4.2176% | 887 |
| Loan and lease loss provision to assets | 0.2310% | 4,971 |
| Net operating income to assets | 0.2808% | 4,999 |
| Return on assets (ROA) | 0.2808% | 5,165 |
| Pretax return on assets | 0.4462% | 4,805 |
| Return on Equity (ROE) | 2.8879% | 5,000 |
| Retained earnings to average equity (ytd only) | 0.6613% | 5,244 |
| Net charge-offs to loans | 0.0728% | 6,068 |
| Credit loss provision to net charge-offs | 567.7419% | 394 |
| Earnings coverage of net charge-offs (x) | 16.6452% | 1,196 |
| Efficiency ratio | 86.1662% | 1,679 |
| Assets per employee ($millions) | 2.8120% | 6,507 |
| Cash dividends to net income (ytd only)* | 77.1028% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,614 |
| Loan loss allowance to noncurrent loans | 192.3885% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 3,988 |
| Noncurrent loans to loans | 0.8264% | 5,398 |
| Net loans and leases to total assets | 57.6260% | 5,078 |
| Net loans and leases to deposits | 63.9038% | 5,639 |
| Net loans and leases to core deposits | 68.2444% | 5,639 |
| Total domestic deposits to total assets | 90.1762% | 1,003 |
| Equity capital to assets | 9.4835% | 4,427 |
| Core capital (leverage) ratio | 9.5427% | 3,659 |
| Tier 1 risk-based capital ratio | 15.9782% | 2,764 |
| Total risk-based capital ratio | 17.2316% | 2,712 |
| Memoranda: | ||
| Average total assets | $76,205,200 | 5,706 |
| Average earning assets | $68,339,400 | 5,721 |
| Average equity | $7,410,200 | 5,907 |
| Average total loans | $42,569,400 | 5,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 3,809 |
| Cost of funding earning assets | 0.7409% | 6,944 |
| Net interest margin | 4.4629% | 1,338 |
| Noninterest income to average assets | 0.8733% | 1,896 |
| Noninterest expense to average assets | 4.2378% | 788 |
| Loan and lease loss provision to assets | 0.2311% | 4,761 |
| Net operating income to assets | 0.2505% | 5,349 |
| Return on assets (ROA) | 0.2505% | 5,508 |
| Pretax return on assets | 0.4005% | 5,213 |
| Return on Equity (ROE) | 2.5599% | 5,408 |
| Retained earnings to average equity (ytd only) | -0.4147% | 5,895 |
| Net charge-offs to loans | 0.0800% | 5,722 |
| Credit loss provision to net charge-offs | 524.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 14.3210% | 1,522 |
| Efficiency ratio | 87.0290% | 1,527 |
| Assets per employee ($millions) | 2.8773% | 6,429 |
| Cash dividends to net income (ytd only)* | 116.1939% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,816 |
| Loan loss allowance to noncurrent loans | 135.0195% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.8665% | 3,649 |
| Noncurrent loans to loans | 1.1352% | 4,967 |
| Net loans and leases to total assets | 57.3880% | 5,355 |
| Net loans and leases to deposits | 63.7046% | 5,948 |
| Net loans and leases to core deposits | 68.0896% | 5,926 |
| Total domestic deposits to total assets | 90.0846% | 836 |
| Equity capital to assets | 9.5203% | 4,811 |
| Core capital (leverage) ratio | 9.5384% | 3,848 |
| Tier 1 risk-based capital ratio | 15.9929% | 2,770 |
| Total risk-based capital ratio | 17.2466% | 2,714 |
| Memoranda: | ||
| Average total assets | $75,572,250 | 5,790 |
| Average earning assets | $67,666,750 | 5,808 |
| Average equity | $7,396,000 | 5,988 |
| Average total loans | $41,685,250 | 5,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 4,036 |
| Cost of funding earning assets | 0.7630% | 7,025 |
| Net interest margin | 4.4200% | 1,392 |
| Noninterest income to average assets | 0.8842% | 1,745 |
| Noninterest expense to average assets | 4.2582% | 757 |
| Loan and lease loss provision to assets | 0.2404% | 4,508 |
| Net operating income to assets | 0.2164% | 5,504 |
| Return on assets (ROA) | 0.2164% | 5,635 |
| Pretax return on assets | 0.3473% | 5,381 |
| Return on Equity (ROE) | 2.1904% | 5,575 |
| Retained earnings to average equity (ytd only) | -2.2715% | 6,190 |
| Net charge-offs to loans | 0.1186% | 4,995 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,048 |
| Efficiency ratio | 87.8721% | 1,516 |
| Assets per employee ($millions) | 2.5738% | 6,994 |
| Cash dividends to net income (ytd only)* | 203.7037% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,785 |
| Loan loss allowance to noncurrent loans | 118.2640% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 2.0722% | 3,415 |
| Noncurrent loans to loans | 1.2910% | 4,802 |
| Net loans and leases to total assets | 54.6300% | 5,893 |
| Net loans and leases to deposits | 60.5420% | 6,365 |
| Net loans and leases to core deposits | 64.7162% | 6,342 |
| Total domestic deposits to total assets | 90.2349% | 806 |
| Equity capital to assets | 9.5022% | 4,699 |
| Core capital (leverage) ratio | 9.6673% | 3,580 |
| Tier 1 risk-based capital ratio | 16.1390% | 2,611 |
| Total risk-based capital ratio | 17.3904% | 2,571 |
| Memoranda: | ||
| Average total assets | $74,867,330 | 5,840 |
| Average earning assets | $67,104,670 | 5,858 |
| Average equity | $7,396,000 | 5,998 |
| Average total loans | $40,488,000 | 6,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 4,590 |
| Cost of funding earning assets | 0.7925% | 7,110 |
| Net interest margin | 4.2951% | 1,703 |
| Noninterest income to average assets | 0.8305% | 1,883 |
| Noninterest expense to average assets | 4.3531% | 678 |
| Loan and lease loss provision to assets | 0.2443% | 4,097 |
| Net operating income to assets | 0.0489% | 6,165 |
| Return on assets (ROA) | 0.0489% | 6,275 |
| Pretax return on assets | 0.0868% | 6,169 |
| Return on Equity (ROE) | 0.4848% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.4848% | 5,640 |
| Net charge-offs to loans | 0.0305% | 5,145 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,161 |
| Efficiency ratio | 92.9316% | 1,207 |
| Assets per employee ($millions) | 2.6246% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 3,673 |
| Loan loss allowance to noncurrent loans | 86.0656% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 4,324 |
| Noncurrent loans to loans | 1.7965% | 4,055 |
| Net loans and leases to total assets | 52.7052% | 6,194 |
| Net loans and leases to deposits | 58.5165% | 6,584 |
| Net loans and leases to core deposits | 62.6089% | 6,546 |
| Total domestic deposits to total assets | 90.0688% | 953 |
| Equity capital to assets | 9.7577% | 4,164 |
| Core capital (leverage) ratio | 10.2341% | 2,893 |
| Tier 1 risk-based capital ratio | 16.9636% | 2,283 |
| Total risk-based capital ratio | 18.2167% | 2,229 |
| Memoranda: | ||
| Average total assets | $73,694,000 | 5,948 |
| Average earning assets | $66,121,500 | 5,961 |
| Average equity | $7,425,500 | 6,044 |
| Average total loans | $39,314,000 | 6,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 3,653 |
| Cost of funding earning assets | 1.1884% | 6,694 |
| Net interest margin | 4.4033% | 1,423 |
| Noninterest income to average assets | 0.8189% | 2,312 |
| Noninterest expense to average assets | 3.9245% | 1,476 |
| Loan and lease loss provision to assets | 0.2302% | 5,530 |
| Net operating income to assets | 0.4144% | 4,070 |
| Return on assets (ROA) | 0.4144% | 4,178 |
| Pretax return on assets | 0.6292% | 3,812 |
| Return on Equity (ROE) | 4.0745% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.0745% | 2,365 |
| Net charge-offs to loans | 0.1142% | 6,024 |
| Credit loss provision to net charge-offs | 375.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,392 |
| Efficiency ratio | 82.0356% | 2,593 |
| Assets per employee ($millions) | 2.3758% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,462 |
| Loan loss allowance to noncurrent loans | 65.9193% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 4,004 |
| Noncurrent loans to loans | 2.3547% | 3,222 |
| Net loans and leases to total assets | 52.3248% | 6,386 |
| Net loans and leases to deposits | 58.4848% | 6,749 |
| Net loans and leases to core deposits | 73.8115% | 6,546 |
| Total domestic deposits to total assets | 89.4674% | 1,228 |
| Equity capital to assets | 10.4161% | 3,265 |
| Core capital (leverage) ratio | 10.4894% | 2,622 |
| Tier 1 risk-based capital ratio | 18.5078% | 1,749 |
| Total risk-based capital ratio | 19.7613% | 1,712 |
| Memoranda: | ||
| Average total assets | $71,678,400 | 5,954 |
| Average earning assets | $64,543,200 | 5,976 |
| Average equity | $7,289,200 | 6,177 |
| Average total loans | $38,534,800 | 6,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6986% | 3,342 |
| Cost of funding earning assets | 1.2417% | 6,752 |
| Net interest margin | 4.4569% | 1,304 |
| Noninterest income to average assets | 0.7560% | 2,673 |
| Noninterest expense to average assets | 3.8339% | 1,530 |
| Loan and lease loss provision to assets | 0.2508% | 4,944 |
| Net operating income to assets | 0.4607% | 4,160 |
| Return on assets (ROA) | 0.4607% | 4,263 |
| Pretax return on assets | 0.6984% | 3,864 |
| Return on Equity (ROE) | 4.5574% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,729 |
| Net charge-offs to loans | 0.1103% | 5,579 |
| Credit loss provision to net charge-offs | 421.8750% | 943 |
| Earnings coverage of net charge-offs (x) | 15.9672% | 1,505 |
| Efficiency ratio | 80.1553% | 2,818 |
| Assets per employee ($millions) | 2.7289% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,501 |
| Loan loss allowance to noncurrent loans | 76.5101% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,421 |
| Noncurrent loans to loans | 1.9464% | 3,712 |
| Net loans and leases to total assets | 51.1747% | 6,686 |
| Net loans and leases to deposits | 57.0404% | 7,026 |
| Net loans and leases to core deposits | 71.5769% | 6,871 |
| Total domestic deposits to total assets | 89.7165% | 883 |
| Equity capital to assets | 10.0121% | 4,072 |
| Core capital (leverage) ratio | 10.3434% | 2,932 |
| Tier 1 risk-based capital ratio | 18.0816% | 1,961 |
| Total risk-based capital ratio | 19.3343% | 1,915 |
| Memoranda: | ||
| Average total assets | $71,779,500 | 5,989 |
| Average earning assets | $64,856,250 | 6,012 |
| Average equity | $7,255,500 | 6,242 |
| Average total loans | $38,698,000 | 6,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8471% | 2,823 |
| Cost of funding earning assets | 1.2980% | 6,815 |
| Net interest margin | 4.5491% | 1,057 |
| Noninterest income to average assets | 0.7562% | 2,671 |
| Noninterest expense to average assets | 3.8597% | 1,557 |
| Loan and lease loss provision to assets | 0.2530% | 4,551 |
| Net operating income to assets | 0.4891% | 4,124 |
| Return on assets (ROA) | 0.4891% | 4,250 |
| Pretax return on assets | 0.7421% | 3,860 |
| Return on Equity (ROE) | 4.8233% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.8233% | 2,620 |
| Net charge-offs to loans | 0.1545% | 4,649 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,871 |
| Efficiency ratio | 79.5020% | 3,127 |
| Assets per employee ($millions) | 2.5547% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 6,738 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.9696% | 6,456 |
| Net loans and leases to deposits | 60.2553% | 6,869 |
| Net loans and leases to core deposits | 76.6763% | 6,630 |
| Total domestic deposits to total assets | 89.5682% | 1,012 |
| Equity capital to assets | 10.2040% | 3,715 |
| Core capital (leverage) ratio | 10.3824% | 2,921 |
| Tier 1 risk-based capital ratio | 18.1470% | 1,976 |
| Total risk-based capital ratio | 19.4218% | 1,914 |
| Memoranda: | ||
| Average total assets | $71,145,670 | 6,054 |
| Average earning assets | $64,100,330 | 6,073 |
| Average equity | $7,215,000 | 6,297 |
| Average total loans | $38,838,670 | 6,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 2,963 |
| Cost of funding earning assets | 1.3708% | 6,814 |
| Net interest margin | 4.4943% | 1,137 |
| Noninterest income to average assets | 0.7160% | 2,787 |
| Noninterest expense to average assets | 3.6362% | 1,778 |
| Loan and lease loss provision to assets | 0.2537% | 3,938 |
| Net operating income to assets | 0.5750% | 4,121 |
| Return on assets (ROA) | 0.5750% | 4,318 |
| Pretax return on assets | 0.8738% | 3,815 |
| Return on Equity (ROE) | 5.6880% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.6880% | 2,784 |
| Net charge-offs to loans | 0.1344% | 3,886 |
| Credit loss provision to net charge-offs | 346.1538% | 1,452 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 1,610 |
| Efficiency ratio | 76.3314% | 3,434 |
| Assets per employee ($millions) | 2.6529% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,068 |
| Loan loss allowance to noncurrent loans | 3,118.7500% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 6,563 |
| Noncurrent loans to loans | 0.0417% | 7,421 |
| Net loans and leases to total assets | 52.8459% | 6,598 |
| Net loans and leases to deposits | 58.9299% | 6,981 |
| Net loans and leases to core deposits | 74.4478% | 6,780 |
| Total domestic deposits to total assets | 89.6760% | 944 |
| Equity capital to assets | 10.0797% | 3,902 |
| Core capital (leverage) ratio | 10.2629% | 3,143 |
| Tier 1 risk-based capital ratio | 17.9086% | 2,084 |
| Total risk-based capital ratio | 19.1471% | 2,027 |
| Memoranda: | ||
| Average total assets | $70,953,000 | 6,098 |
| Average earning assets | $63,903,000 | 6,113 |
| Average equity | $7,173,000 | 6,344 |
| Average total loans | $38,692,000 | 6,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5740% | 2,606 |
| Cost of funding earning assets | 1.6721% | 7,324 |
| Net interest margin | 4.9019% | 631 |
| Noninterest income to average assets | 0.8708% | 2,104 |
| Noninterest expense to average assets | 3.7606% | 1,833 |
| Loan and lease loss provision to assets | 0.2013% | 4,878 |
| Net operating income to assets | 0.8678% | 3,137 |
| Return on assets (ROA) | 0.8678% | 2,992 |
| Pretax return on assets | 1.3152% | 2,261 |
| Return on Equity (ROE) | 8.4165% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.6688% | 1,683 |
| Net charge-offs to loans | 0.0763% | 5,666 |
| Credit loss provision to net charge-offs | 465.5172% | 947 |
| Earnings coverage of net charge-offs (x) | 35.0690% | 1,032 |
| Efficiency ratio | 71.2631% | 4,074 |
| Assets per employee ($millions) | 2.9282% | 6,224 |
| Cash dividends to net income (ytd only)* | 32.6460% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,562 |
| Loan loss allowance to noncurrent loans | 2,335.0000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 6,256 |
| Noncurrent loans to loans | 0.0512% | 7,303 |
| Net loans and leases to total assets | 54.8757% | 6,563 |
| Net loans and leases to deposits | 61.1861% | 7,005 |
| Net loans and leases to core deposits | 77.3667% | 6,779 |
| Total domestic deposits to total assets | 89.6865% | 771 |
| Equity capital to assets | 10.1399% | 3,874 |
| Core capital (leverage) ratio | 10.1487% | 3,319 |
| Tier 1 risk-based capital ratio | 17.4754% | 2,182 |
| Total risk-based capital ratio | 18.6227% | 2,160 |
| Memoranda: | ||
| Average total assets | $67,063,000 | 6,123 |
| Average earning assets | $60,283,200 | 6,158 |
| Average equity | $6,915,000 | 6,490 |
| Average total loans | $38,027,000 | 6,271 |