Home > Ocean City Home Bank > Performance and Condition Ratios
Ocean City Home 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 | 3.5557% | 4,669 |
| Cost of funding earning assets | 0.6176% | 1,223 |
| Net interest margin | 2.9381% | 5,114 |
| Noninterest income to average assets | 0.3843% | 4,034 |
| Noninterest expense to average assets | 2.1008% | 5,007 |
| Loan and lease loss provision to assets | 0.0584% | 3,080 |
| Net operating income to assets | 0.6573% | 4,045 |
| Return on assets (ROA) | 0.6605% | 4,157 |
| Pretax return on assets | 0.9873% | 3,675 |
| Return on Equity (ROE) | 6.6857% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.8522% | 4,187 |
| Net charge-offs to loans | 0.0581% | 2,521 |
| Credit loss provision to net charge-offs | 133.8150% | 1,939 |
| Earnings coverage of net charge-offs (x) | 23.8354% | 1,700 |
| Efficiency ratio | 66.8649% | 3,448 |
| Assets per employee ($millions) | 6.5139% | 1,094 |
| Cash dividends to net income (ytd only)* | 57.3394% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4153% | 5,793 |
| Loan loss allowance to noncurrent loans | 71.0572% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 3,388 |
| Noncurrent loans to loans | 0.5845% | 3,255 |
| Net loans and leases to total assets | 72.4593% | 2,120 |
| Net loans and leases to deposits | 91.2180% | 1,607 |
| Net loans and leases to core deposits | 93.0610% | 2,271 |
| Total domestic deposits to total assets | 79.4353% | 4,631 |
| Equity capital to assets | 9.6757% | 4,493 |
| Core capital (leverage) ratio | 9.4708% | 4,214 |
| Tier 1 risk-based capital ratio | 18.6273% | 1,751 |
| Total risk-based capital ratio | 19.2343% | 1,893 |
| Memoranda: | ||
| Average total assets | $1,056,188,000 | 683 |
| Average earning assets | $991,320,250 | 667 |
| Average equity | $104,339,250 | 763 |
| Average total loans | $793,464,500 | 630 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,553 |
| Cost of funding earning assets | 0.6305% | 1,139 |
| Net interest margin | 2.9834% | 5,113 |
| Noninterest income to average assets | 0.3866% | 3,977 |
| Noninterest expense to average assets | 2.1070% | 5,042 |
| Loan and lease loss provision to assets | 0.0600% | 2,940 |
| Net operating income to assets | 0.6738% | 3,940 |
| Return on assets (ROA) | 0.6785% | 4,046 |
| Pretax return on assets | 1.0237% | 3,497 |
| Return on Equity (ROE) | 6.8192% | 3,638 |
| Retained earnings to average equity (ytd only) | 2.9665% | 4,027 |
| Net charge-offs to loans | 0.0651% | 2,266 |
| Credit loss provision to net charge-offs | 121.3178% | 1,846 |
| Earnings coverage of net charge-offs (x) | 21.7713% | 1,662 |
| Efficiency ratio | 66.1830% | 3,656 |
| Assets per employee ($millions) | 6.3819% | 1,143 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4085% | 5,872 |
| Loan loss allowance to noncurrent loans | 78.1175% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 3,346 |
| Noncurrent loans to loans | 0.5229% | 3,516 |
| Net loans and leases to total assets | 76.0603% | 1,484 |
| Net loans and leases to deposits | 96.8101% | 985 |
| Net loans and leases to core deposits | 98.8691% | 1,734 |
| Total domestic deposits to total assets | 78.5665% | 4,882 |
| Equity capital to assets | 10.1044% | 4,086 |
| Core capital (leverage) ratio | 9.5495% | 4,137 |
| Tier 1 risk-based capital ratio | 18.3979% | 1,824 |
| Total risk-based capital ratio | 18.9917% | 1,960 |
| Memoranda: | ||
| Average total assets | $1,043,473,330 | 692 |
| Average earning assets | $978,270,000 | 681 |
| Average equity | $103,824,330 | 766 |
| Average total loans | $792,535,330 | 630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 4,590 |
| Cost of funding earning assets | 0.6499% | 1,055 |
| Net interest margin | 2.9608% | 5,199 |
| Noninterest income to average assets | 0.3766% | 4,015 |
| Noninterest expense to average assets | 2.0860% | 5,138 |
| Loan and lease loss provision to assets | 0.0582% | 2,789 |
| Net operating income to assets | 0.6732% | 3,859 |
| Return on assets (ROA) | 0.6732% | 3,979 |
| Pretax return on assets | 1.0101% | 3,442 |
| Return on Equity (ROE) | 6.8191% | 3,549 |
| Retained earnings to average equity (ytd only) | 2.9424% | 4,043 |
| Net charge-offs to loans | 0.0616% | 1,881 |
| Credit loss provision to net charge-offs | 124.5902% | 1,410 |
| Earnings coverage of net charge-offs (x) | 22.8770% | 1,390 |
| Efficiency ratio | 66.1328% | 3,779 |
| Assets per employee ($millions) | 6.4784% | 1,120 |
| Cash dividends to net income (ytd only)* | 56.8505% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 5,945 |
| Loan loss allowance to noncurrent loans | 69.1135% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 3,081 |
| Noncurrent loans to loans | 0.5853% | 3,432 |
| Net loans and leases to total assets | 75.5388% | 1,466 |
| Net loans and leases to deposits | 95.7498% | 963 |
| Net loans and leases to core deposits | 97.5188% | 1,670 |
| Total domestic deposits to total assets | 78.8920% | 4,989 |
| Equity capital to assets | 9.8976% | 4,215 |
| Core capital (leverage) ratio | 9.5113% | 4,176 |
| Tier 1 risk-based capital ratio | 18.1038% | 1,957 |
| Total risk-based capital ratio | 18.6924% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,045,084,000 | 690 |
| Average earning assets | $980,425,000 | 674 |
| Average equity | $103,181,000 | 775 |
| Average total loans | $791,571,000 | 626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 4,590 |
| Cost of funding earning assets | 0.6618% | 1,009 |
| Net interest margin | 2.9687% | 5,211 |
| Noninterest income to average assets | 0.4155% | 3,918 |
| Noninterest expense to average assets | 2.0944% | 5,267 |
| Loan and lease loss provision to assets | 0.0666% | 2,956 |
| Net operating income to assets | 0.6941% | 3,839 |
| Return on assets (ROA) | 0.6941% | 3,950 |
| Pretax return on assets | 1.0382% | 3,317 |
| Return on Equity (ROE) | 6.9234% | 3,548 |
| Retained earnings to average equity (ytd only) | -1.7634% | 5,735 |
| Net charge-offs to loans | 0.1608% | 1,766 |
| Credit loss provision to net charge-offs | 54.6900% | 3,338 |
| Earnings coverage of net charge-offs (x) | 9.0755% | 2,871 |
| Efficiency ratio | 65.4658% | 3,993 |
| Assets per employee ($millions) | 6.4238% | 1,132 |
| Cash dividends to net income (ytd only)* | 125.4705% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 5,992 |
| Loan loss allowance to noncurrent loans | 56.3007% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 2,900 |
| Noncurrent loans to loans | 0.7198% | 3,027 |
| Net loans and leases to total assets | 75.3316% | 1,519 |
| Net loans and leases to deposits | 95.5110% | 1,066 |
| Net loans and leases to core deposits | 97.1955% | 1,742 |
| Total domestic deposits to total assets | 78.8721% | 5,002 |
| Equity capital to assets | 9.8481% | 4,132 |
| Core capital (leverage) ratio | 9.3001% | 4,475 |
| Tier 1 risk-based capital ratio | 17.9376% | 1,982 |
| Total risk-based capital ratio | 18.5204% | 2,149 |
| Memoranda: | ||
| Average total assets | $1,033,378,600 | 666 |
| Average earning assets | $968,972,800 | 653 |
| Average equity | $103,605,200 | 746 |
| Average total loans | $782,281,200 | 594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,636 |
| Cost of funding earning assets | 0.6581% | 1,051 |
| Net interest margin | 2.9737% | 5,261 |
| Noninterest income to average assets | 0.4171% | 3,954 |
| Noninterest expense to average assets | 2.0837% | 5,312 |
| Loan and lease loss provision to assets | 0.0641% | 2,901 |
| Net operating income to assets | 0.7024% | 3,892 |
| Return on assets (ROA) | 0.7024% | 4,005 |
| Pretax return on assets | 1.0577% | 3,385 |
| Return on Equity (ROE) | 6.9742% | 3,630 |
| Retained earnings to average equity (ytd only) | -3.2933% | 5,953 |
| Net charge-offs to loans | 0.1946% | 1,309 |
| Credit loss provision to net charge-offs | 43.5088% | 3,119 |
| Earnings coverage of net charge-offs (x) | 7.6132% | 2,896 |
| Efficiency ratio | 65.0040% | 4,065 |
| Assets per employee ($millions) | 6.3753% | 1,137 |
| Cash dividends to net income (ytd only)* | 147.2212% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3951% | 6,090 |
| Loan loss allowance to noncurrent loans | 53.9941% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 3,101 |
| Noncurrent loans to loans | 0.7317% | 3,138 |
| Net loans and leases to total assets | 73.7827% | 1,774 |
| Net loans and leases to deposits | 93.5915% | 1,248 |
| Net loans and leases to core deposits | 95.1104% | 1,970 |
| Total domestic deposits to total assets | 78.8348% | 5,013 |
| Equity capital to assets | 9.5816% | 4,657 |
| Core capital (leverage) ratio | 9.2058% | 4,719 |
| Tier 1 risk-based capital ratio | 17.6311% | 2,146 |
| Total risk-based capital ratio | 18.1967% | 2,344 |
| Memoranda: | ||
| Average total assets | $1,031,557,500 | 673 |
| Average earning assets | $967,245,000 | 663 |
| Average equity | $103,885,000 | 748 |
| Average total loans | $781,067,000 | 600 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,496 |
| Cost of funding earning assets | 0.6592% | 1,051 |
| Net interest margin | 3.0135% | 5,193 |
| Noninterest income to average assets | 0.4168% | 3,950 |
| Noninterest expense to average assets | 2.0980% | 5,343 |
| Loan and lease loss provision to assets | 0.0649% | 2,821 |
| Net operating income to assets | 0.7179% | 3,806 |
| Return on assets (ROA) | 0.7179% | 3,925 |
| Pretax return on assets | 1.0789% | 3,262 |
| Return on Equity (ROE) | 7.0099% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.1825% | 4,025 |
| Net charge-offs to loans | 0.1796% | 1,380 |
| Credit loss provision to net charge-offs | 47.3534% | 2,736 |
| Earnings coverage of net charge-offs (x) | 8.3491% | 2,569 |
| Efficiency ratio | 64.7180% | 4,239 |
| Assets per employee ($millions) | 6.1904% | 1,219 |
| Cash dividends to net income (ytd only)* | 54.6001% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4326% | 6,144 |
| Loan loss allowance to noncurrent loans | 55.3706% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 3,228 |
| Noncurrent loans to loans | 0.7812% | 3,155 |
| Net loans and leases to total assets | 76.9081% | 1,235 |
| Net loans and leases to deposits | 99.2635% | 704 |
| Net loans and leases to core deposits | 100.9607% | 1,411 |
| Total domestic deposits to total assets | 77.4787% | 5,377 |
| Equity capital to assets | 10.3939% | 3,567 |
| Core capital (leverage) ratio | 9.8852% | 3,762 |
| Tier 1 risk-based capital ratio | 19.0888% | 1,776 |
| Total risk-based capital ratio | 19.7275% | 1,892 |
| Memoranda: | ||
| Average total assets | $1,020,517,000 | 685 |
| Average earning assets | $956,639,000 | 672 |
| Average equity | $104,509,000 | 744 |
| Average total loans | $778,534,330 | 603 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 4,482 |
| Cost of funding earning assets | 0.6545% | 1,086 |
| Net interest margin | 3.0118% | 5,187 |
| Noninterest income to average assets | 0.3992% | 4,011 |
| Noninterest expense to average assets | 2.1088% | 5,359 |
| Loan and lease loss provision to assets | 0.0598% | 2,734 |
| Net operating income to assets | 0.7092% | 3,751 |
| Return on assets (ROA) | 0.7092% | 3,879 |
| Pretax return on assets | 1.0552% | 3,283 |
| Return on Equity (ROE) | 6.9767% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.1307% | 4,103 |
| Net charge-offs to loans | 0.0263% | 2,643 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 55.9216% | 775 |
| Efficiency ratio | 65.4135% | 4,251 |
| Assets per employee ($millions) | 6.2187% | 1,246 |
| Cash dividends to net income (ytd only)* | 55.1268% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 6,255 |
| Loan loss allowance to noncurrent loans | 45.1459% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 3,476 |
| Noncurrent loans to loans | 0.8114% | 3,218 |
| Net loans and leases to total assets | 75.0685% | 1,340 |
| Net loans and leases to deposits | 96.3991% | 804 |
| Net loans and leases to core deposits | 97.9712% | 1,479 |
| Total domestic deposits to total assets | 77.8725% | 5,475 |
| Equity capital to assets | 10.2042% | 3,878 |
| Core capital (leverage) ratio | 9.7703% | 3,932 |
| Tier 1 risk-based capital ratio | 19.1348% | 1,833 |
| Total risk-based capital ratio | 19.6753% | 1,974 |
| Memoranda: | ||
| Average total assets | $1,023,164,000 | 682 |
| Average earning assets | $959,563,500 | 668 |
| Average equity | $104,003,000 | 744 |
| Average total loans | $774,920,000 | 597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,784 |
| Cost of funding earning assets | 0.7239% | 983 |
| Net interest margin | 2.9736% | 5,498 |
| Noninterest income to average assets | 0.4004% | 4,176 |
| Noninterest expense to average assets | 2.1149% | 5,538 |
| Loan and lease loss provision to assets | 0.0454% | 3,669 |
| Net operating income to assets | 0.6585% | 4,098 |
| Return on assets (ROA) | 0.6585% | 4,198 |
| Pretax return on assets | 1.0251% | 3,404 |
| Return on Equity (ROE) | 6.4518% | 3,930 |
| Retained earnings to average equity (ytd only) | -2.2071% | 6,033 |
| Net charge-offs to loans | 0.1973% | 2,086 |
| Credit loss provision to net charge-offs | 30.5152% | 3,829 |
| Earnings coverage of net charge-offs (x) | 7.2001% | 3,066 |
| Efficiency ratio | 66.3944% | 4,184 |
| Assets per employee ($millions) | 6.1461% | 1,281 |
| Cash dividends to net income (ytd only)* | 134.2082% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3515% | 6,349 |
| Loan loss allowance to noncurrent loans | 48.2077% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 3,729 |
| Noncurrent loans to loans | 0.7291% | 3,497 |
| Net loans and leases to total assets | 75.8654% | 1,288 |
| Net loans and leases to deposits | 97.5342% | 791 |
| Net loans and leases to core deposits | 99.3241% | 1,434 |
| Total domestic deposits to total assets | 77.7834% | 5,473 |
| Equity capital to assets | 10.1253% | 3,949 |
| Core capital (leverage) ratio | 9.7811% | 3,859 |
| Tier 1 risk-based capital ratio | 18.7272% | 1,926 |
| Total risk-based capital ratio | 19.2440% | 2,104 |
| Memoranda: | ||
| Average total assets | $1,018,350,400 | 663 |
| Average earning assets | $953,759,000 | 647 |
| Average equity | $103,939,200 | 699 |
| Average total loans | $767,318,200 | 571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 4,877 |
| Cost of funding earning assets | 0.7235% | 1,029 |
| Net interest margin | 2.9727% | 5,556 |
| Noninterest income to average assets | 0.4010% | 4,236 |
| Noninterest expense to average assets | 2.1253% | 5,522 |
| Loan and lease loss provision to assets | 0.0345% | 3,714 |
| Net operating income to assets | 0.6604% | 4,157 |
| Return on assets (ROA) | 0.6604% | 4,258 |
| Pretax return on assets | 1.0252% | 3,498 |
| Return on Equity (ROE) | 6.4578% | 3,996 |
| Retained earnings to average equity (ytd only) | -3.7886% | 6,193 |
| Net charge-offs to loans | 0.1333% | 2,453 |
| Credit loss provision to net charge-offs | 34.3791% | 3,383 |
| Earnings coverage of net charge-offs (x) | 10.5752% | 2,530 |
| Efficiency ratio | 66.7284% | 4,091 |
| Assets per employee ($millions) | 6.0176% | 1,326 |
| Cash dividends to net income (ytd only)* | 158.6672% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4221% | 6,395 |
| Loan loss allowance to noncurrent loans | 45.3791% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 3,606 |
| Noncurrent loans to loans | 0.9302% | 3,238 |
| Net loans and leases to total assets | 74.7609% | 1,403 |
| Net loans and leases to deposits | 95.4683% | 924 |
| Net loans and leases to core deposits | 97.1525% | 1,582 |
| Total domestic deposits to total assets | 78.3096% | 5,464 |
| Equity capital to assets | 9.8641% | 4,338 |
| Core capital (leverage) ratio | 9.5392% | 4,321 |
| Tier 1 risk-based capital ratio | 18.4528% | 2,070 |
| Total risk-based capital ratio | 19.0704% | 2,230 |
| Memoranda: | ||
| Average total assets | $1,017,875,500 | 659 |
| Average earning assets | $953,279,250 | 640 |
| Average equity | $104,098,250 | 701 |
| Average total loans | $764,961,000 | 568 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,812 |
| Cost of funding earning assets | 0.7271% | 1,038 |
| Net interest margin | 2.9884% | 5,561 |
| Noninterest income to average assets | 0.4067% | 4,197 |
| Noninterest expense to average assets | 2.1451% | 5,527 |
| Loan and lease loss provision to assets | 0.0273% | 3,721 |
| Net operating income to assets | 0.6675% | 4,007 |
| Return on assets (ROA) | 0.6675% | 4,107 |
| Pretax return on assets | 1.0305% | 3,354 |
| Return on Equity (ROE) | 6.4487% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.6306% | 4,526 |
| Net charge-offs to loans | 0.1501% | 2,187 |
| Credit loss provision to net charge-offs | 24.1681% | 3,131 |
| Earnings coverage of net charge-offs (x) | 9.3748% | 2,366 |
| Efficiency ratio | 66.9751% | 4,199 |
| Assets per employee ($millions) | 5.8875% | 1,360 |
| Cash dividends to net income (ytd only)* | 59.2066% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 6,468 |
| Loan loss allowance to noncurrent loans | 50.6812% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 3,920 |
| Noncurrent loans to loans | 0.8547% | 3,565 |
| Net loans and leases to total assets | 76.4390% | 1,108 |
| Net loans and leases to deposits | 98.9559% | 606 |
| Net loans and leases to core deposits | 100.8553% | 1,213 |
| Total domestic deposits to total assets | 77.2456% | 5,771 |
| Equity capital to assets | 10.5592% | 3,369 |
| Core capital (leverage) ratio | 10.2130% | 3,319 |
| Tier 1 risk-based capital ratio | 19.0520% | 1,911 |
| Total risk-based capital ratio | 19.6773% | 2,050 |
| Memoranda: | ||
| Average total assets | $1,012,158,330 | 659 |
| Average earning assets | $947,076,670 | 642 |
| Average equity | $104,765,670 | 696 |
| Average total loans | $760,923,000 | 570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,771 |
| Cost of funding earning assets | 0.7258% | 1,100 |
| Net interest margin | 2.9961% | 5,530 |
| Noninterest income to average assets | 0.3863% | 4,300 |
| Noninterest expense to average assets | 2.1233% | 5,637 |
| Loan and lease loss provision to assets | 0.0347% | 3,359 |
| Net operating income to assets | 0.6748% | 3,820 |
| Return on assets (ROA) | 0.6748% | 3,902 |
| Pretax return on assets | 1.0334% | 3,198 |
| Return on Equity (ROE) | 6.5849% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.7386% | 4,448 |
| Net charge-offs to loans | 0.1203% | 2,004 |
| Credit loss provision to net charge-offs | 38.7665% | 2,308 |
| Earnings coverage of net charge-offs (x) | 11.9383% | 1,745 |
| Efficiency ratio | 66.5308% | 4,441 |
| Assets per employee ($millions) | 5.9792% | 1,320 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 6,520 |
| Loan loss allowance to noncurrent loans | 105.5636% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 5,037 |
| Noncurrent loans to loans | 0.4533% | 4,793 |
| Net loans and leases to total assets | 74.5367% | 1,182 |
| Net loans and leases to deposits | 95.9611% | 661 |
| Net loans and leases to core deposits | 97.9254% | 1,243 |
| Total domestic deposits to total assets | 77.6738% | 5,874 |
| Equity capital to assets | 10.3062% | 3,461 |
| Core capital (leverage) ratio | 10.0231% | 3,546 |
| Tier 1 risk-based capital ratio | 18.9724% | 1,980 |
| Total risk-based capital ratio | 19.6562% | 2,114 |
| Memoranda: | ||
| Average total assets | $1,014,858,500 | 663 |
| Average earning assets | $950,154,500 | 637 |
| Average equity | $103,995,500 | 700 |
| Average total loans | $754,932,500 | 580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 5,394 |
| Cost of funding earning assets | 0.7747% | 1,347 |
| Net interest margin | 2.8298% | 5,930 |
| Noninterest income to average assets | 0.4228% | 4,280 |
| Noninterest expense to average assets | 2.1032% | 5,826 |
| Loan and lease loss provision to assets | 0.0734% | 3,651 |
| Net operating income to assets | 0.5849% | 4,338 |
| Return on assets (ROA) | 0.5849% | 4,446 |
| Pretax return on assets | 0.8947% | 3,785 |
| Return on Equity (ROE) | 5.7938% | 4,215 |
| Retained earnings to average equity (ytd only) | 0.0336% | 5,834 |
| Net charge-offs to loans | 0.0701% | 4,226 |
| Credit loss provision to net charge-offs | 149.0157% | 1,560 |
| Earnings coverage of net charge-offs (x) | 19.6614% | 1,595 |
| Efficiency ratio | 68.4802% | 4,101 |
| Assets per employee ($millions) | 5.9255% | 1,320 |
| Cash dividends to net income (ytd only)* | 99.4200% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5051% | 6,567 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 4,797 |
| Noncurrent loans to loans | 0.5848% | 4,520 |
| Net loans and leases to total assets | 73.5061% | 1,433 |
| Net loans and leases to deposits | 94.4996% | 836 |
| Net loans and leases to core deposits | 96.5178% | 1,415 |
| Total domestic deposits to total assets | 77.7846% | 5,855 |
| Equity capital to assets | 10.1882% | 3,522 |
| Core capital (leverage) ratio | 9.9600% | 3,629 |
| Tier 1 risk-based capital ratio | 19.0495% | 1,907 |
| Total risk-based capital ratio | 19.7689% | 2,040 |
| Memoranda: | ||
| Average total assets | $1,031,781,400 | 633 |
| Average earning assets | $965,643,400 | 616 |
| Average equity | $104,162,400 | 683 |
| Average total loans | $724,620,000 | 581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 5,524 |
| Cost of funding earning assets | 0.7803% | 1,428 |
| Net interest margin | 2.7907% | 6,032 |
| Noninterest income to average assets | 0.4226% | 4,350 |
| Noninterest expense to average assets | 2.0814% | 5,868 |
| Loan and lease loss provision to assets | 0.0746% | 3,564 |
| Net operating income to assets | 0.5725% | 4,462 |
| Return on assets (ROA) | 0.5725% | 4,606 |
| Pretax return on assets | 0.8786% | 3,972 |
| Return on Equity (ROE) | 5.6834% | 4,357 |
| Retained earnings to average equity (ytd only) | -0.7024% | 6,084 |
| Net charge-offs to loans | 0.0542% | 4,130 |
| Credit loss provision to net charge-offs | 198.6301% | 1,220 |
| Earnings coverage of net charge-offs (x) | 25.3769% | 1,386 |
| Efficiency ratio | 68.5871% | 3,982 |
| Assets per employee ($millions) | 5.8894% | 1,314 |
| Cash dividends to net income (ytd only)* | 112.3595% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5223% | 6,639 |
| Loan loss allowance to noncurrent loans | 72.8452% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 4,663 |
| Noncurrent loans to loans | 0.7169% | 4,421 |
| Net loans and leases to total assets | 70.1971% | 1,931 |
| Net loans and leases to deposits | 89.7639% | 1,194 |
| Net loans and leases to core deposits | 91.7477% | 1,784 |
| Total domestic deposits to total assets | 78.2019% | 5,873 |
| Equity capital to assets | 9.9158% | 4,027 |
| Core capital (leverage) ratio | 9.6432% | 4,179 |
| Tier 1 risk-based capital ratio | 19.2729% | 1,914 |
| Total risk-based capital ratio | 20.0147% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,036,413,750 | 637 |
| Average earning assets | $970,038,000 | 620 |
| Average equity | $104,395,000 | 684 |
| Average total loans | $718,629,250 | 583 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 5,507 |
| Cost of funding earning assets | 0.7901% | 1,469 |
| Net interest margin | 2.7863% | 6,032 |
| Noninterest income to average assets | 0.4201% | 4,376 |
| Noninterest expense to average assets | 2.0867% | 5,893 |
| Loan and lease loss provision to assets | 0.0760% | 3,531 |
| Net operating income to assets | 0.5608% | 4,498 |
| Return on assets (ROA) | 0.5608% | 4,667 |
| Pretax return on assets | 0.8646% | 4,046 |
| Return on Equity (ROE) | 5.5388% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.7268% | 5,151 |
| Net charge-offs to loans | 0.0582% | 3,871 |
| Credit loss provision to net charge-offs | 189.4231% | 1,260 |
| Earnings coverage of net charge-offs (x) | 23.4327% | 1,330 |
| Efficiency ratio | 68.9297% | 4,023 |
| Assets per employee ($millions) | 5.8895% | 1,285 |
| Cash dividends to net income (ytd only)* | 68.8231% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 6,695 |
| Loan loss allowance to noncurrent loans | 82.9578% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 4,950 |
| Noncurrent loans to loans | 0.6204% | 4,708 |
| Net loans and leases to total assets | 70.1547% | 1,859 |
| Net loans and leases to deposits | 90.2427% | 1,122 |
| Net loans and leases to core deposits | 92.1878% | 1,693 |
| Total domestic deposits to total assets | 77.7400% | 6,020 |
| Equity capital to assets | 10.1828% | 3,682 |
| Core capital (leverage) ratio | 9.8756% | 3,676 |
| Tier 1 risk-based capital ratio | 19.5995% | 1,829 |
| Total risk-based capital ratio | 20.3248% | 1,936 |
| Memoranda: | ||
| Average total assets | $1,036,373,000 | 635 |
| Average earning assets | $969,745,670 | 622 |
| Average equity | $104,933,000 | 683 |
| Average total loans | $714,359,670 | 582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 5,553 |
| Cost of funding earning assets | 0.8021% | 1,515 |
| Net interest margin | 2.7593% | 6,114 |
| Noninterest income to average assets | 0.4122% | 4,371 |
| Noninterest expense to average assets | 2.0814% | 5,953 |
| Loan and lease loss provision to assets | 0.0775% | 3,341 |
| Net operating income to assets | 0.5220% | 4,561 |
| Return on assets (ROA) | 0.5220% | 4,704 |
| Pretax return on assets | 0.8371% | 4,014 |
| Return on Equity (ROE) | 5.1699% | 4,478 |
| Retained earnings to average equity (ytd only) | 1.3685% | 5,294 |
| Net charge-offs to loans | 0.0372% | 3,505 |
| Credit loss provision to net charge-offs | 306.0606% | 782 |
| Earnings coverage of net charge-offs (x) | 36.1061% | 857 |
| Efficiency ratio | 69.4722% | 4,062 |
| Assets per employee ($millions) | 5.9459% | 1,289 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 6,777 |
| Loan loss allowance to noncurrent loans | 71.2842% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 4,932 |
| Noncurrent loans to loans | 0.7219% | 4,687 |
| Net loans and leases to total assets | 67.7837% | 2,054 |
| Net loans and leases to deposits | 86.7636% | 1,271 |
| Net loans and leases to core deposits | 88.7065% | 1,834 |
| Total domestic deposits to total assets | 78.1246% | 6,098 |
| Equity capital to assets | 10.0790% | 4,044 |
| Core capital (leverage) ratio | 9.5961% | 3,937 |
| Tier 1 risk-based capital ratio | 19.7740% | 1,832 |
| Total risk-based capital ratio | 20.5013% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,042,174,000 | 642 |
| Average earning assets | $975,893,000 | 624 |
| Average equity | $105,224,500 | 690 |
| Average total loans | $710,217,500 | 592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 5,733 |
| Cost of funding earning assets | 0.9505% | 1,641 |
| Net interest margin | 2.8896% | 6,243 |
| Noninterest income to average assets | 0.3790% | 4,759 |
| Noninterest expense to average assets | 2.1038% | 6,119 |
| Loan and lease loss provision to assets | 0.0877% | 4,602 |
| Net operating income to assets | 0.5511% | 4,467 |
| Return on assets (ROA) | 0.5542% | 4,709 |
| Pretax return on assets | 0.8991% | 3,926 |
| Return on Equity (ROE) | 5.4589% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,831 |
| Net charge-offs to loans | 0.1037% | 4,629 |
| Credit loss provision to net charge-offs | 121.0027% | 2,366 |
| Earnings coverage of net charge-offs (x) | 13.5447% | 1,816 |
| Efficiency ratio | 68.1788% | 4,116 |
| Assets per employee ($millions) | 5.9648% | 1,303 |
| Cash dividends to net income (ytd only)* | 63.8072% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 6,839 |
| Loan loss allowance to noncurrent loans | 63.8352% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 4,919 |
| Noncurrent loans to loans | 0.7821% | 4,617 |
| Net loans and leases to total assets | 67.8209% | 2,209 |
| Net loans and leases to deposits | 86.9205% | 1,393 |
| Net loans and leases to core deposits | 89.2492% | 1,930 |
| Total domestic deposits to total assets | 78.0263% | 6,076 |
| Equity capital to assets | 10.1144% | 4,018 |
| Core capital (leverage) ratio | 9.6207% | 3,930 |
| Tier 1 risk-based capital ratio | 19.9190% | 1,702 |
| Total risk-based capital ratio | 20.6282% | 1,814 |
| Memoranda: | ||
| Average total assets | $1,018,035,800 | 654 |
| Average earning assets | $953,595,800 | 624 |
| Average equity | $103,354,000 | 686 |
| Average total loans | $711,341,800 | 582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 5,735 |
| Cost of funding earning assets | 0.9898% | 1,626 |
| Net interest margin | 2.9315% | 6,304 |
| Noninterest income to average assets | 0.3655% | 4,905 |
| Noninterest expense to average assets | 2.1215% | 6,123 |
| Loan and lease loss provision to assets | 0.0755% | 4,705 |
| Net operating income to assets | 0.5647% | 4,549 |
| Return on assets (ROA) | 0.5689% | 4,797 |
| Pretax return on assets | 0.9218% | 4,021 |
| Return on Equity (ROE) | 5.5988% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.2315% | 5,222 |
| Net charge-offs to loans | 0.1194% | 4,179 |
| Credit loss provision to net charge-offs | 89.9687% | 3,295 |
| Earnings coverage of net charge-offs (x) | 11.7993% | 2,052 |
| Efficiency ratio | 68.1664% | 4,027 |
| Assets per employee ($millions) | 5.9524% | 1,279 |
| Cash dividends to net income (ytd only)* | 60.1434% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 6,967 |
| Loan loss allowance to noncurrent loans | 73.7862% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,380 |
| Noncurrent loans to loans | 0.6461% | 5,152 |
| Net loans and leases to total assets | 65.6462% | 2,720 |
| Net loans and leases to deposits | 83.6983% | 1,903 |
| Net loans and leases to core deposits | 85.9732% | 2,469 |
| Total domestic deposits to total assets | 78.4319% | 5,984 |
| Equity capital to assets | 9.9045% | 4,640 |
| Core capital (leverage) ratio | 9.4149% | 4,406 |
| Tier 1 risk-based capital ratio | 20.3093% | 1,684 |
| Total risk-based capital ratio | 20.9921% | 1,793 |
| Memoranda: | ||
| Average total assets | $1,013,075,250 | 662 |
| Average earning assets | $949,241,250 | 630 |
| Average equity | $102,948,750 | 692 |
| Average total loans | $712,319,750 | 582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 5,529 |
| Cost of funding earning assets | 1.0182% | 1,659 |
| Net interest margin | 3.0174% | 6,206 |
| Noninterest income to average assets | 0.3642% | 4,917 |
| Noninterest expense to average assets | 2.1407% | 6,152 |
| Loan and lease loss provision to assets | 0.0852% | 4,523 |
| Net operating income to assets | 0.5947% | 4,390 |
| Return on assets (ROA) | 0.5947% | 4,649 |
| Pretax return on assets | 0.9648% | 3,837 |
| Return on Equity (ROE) | 5.8001% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.6776% | 4,842 |
| Net charge-offs to loans | 0.1376% | 3,819 |
| Credit loss provision to net charge-offs | 86.2348% | 3,153 |
| Earnings coverage of net charge-offs (x) | 10.6235% | 2,033 |
| Efficiency ratio | 67.0910% | 4,306 |
| Assets per employee ($millions) | 5.5341% | 1,588 |
| Cash dividends to net income (ytd only)* | 53.8358% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 7,040 |
| Loan loss allowance to noncurrent loans | 72.6334% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 5,503 |
| Noncurrent loans to loans | 0.6458% | 5,219 |
| Net loans and leases to total assets | 68.9156% | 2,115 |
| Net loans and leases to deposits | 88.5631% | 1,311 |
| Net loans and leases to core deposits | 91.8468% | 1,794 |
| Total domestic deposits to total assets | 77.8152% | 6,188 |
| Equity capital to assets | 10.1561% | 4,112 |
| Core capital (leverage) ratio | 9.6236% | 3,959 |
| Tier 1 risk-based capital ratio | 19.4960% | 1,853 |
| Total risk-based capital ratio | 20.1588% | 1,971 |
| Memoranda: | ||
| Average total assets | $999,573,670 | 667 |
| Average earning assets | $936,376,330 | 645 |
| Average equity | $102,481,000 | 693 |
| Average total loans | $718,110,330 | 573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 5,393 |
| Cost of funding earning assets | 1.0519% | 1,660 |
| Net interest margin | 3.0651% | 6,142 |
| Noninterest income to average assets | 0.3571% | 5,016 |
| Noninterest expense to average assets | 2.1631% | 6,126 |
| Loan and lease loss provision to assets | 0.0699% | 4,534 |
| Net operating income to assets | 0.6128% | 4,293 |
| Return on assets (ROA) | 0.6128% | 4,504 |
| Pretax return on assets | 0.9949% | 3,696 |
| Return on Equity (ROE) | 5.9483% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.8114% | 4,850 |
| Net charge-offs to loans | 0.0789% | 3,709 |
| Credit loss provision to net charge-offs | 120.9790% | 1,971 |
| Earnings coverage of net charge-offs (x) | 18.4336% | 1,267 |
| Efficiency ratio | 67.0129% | 4,357 |
| Assets per employee ($millions) | 5.4618% | 1,726 |
| Cash dividends to net income (ytd only)* | 52.7357% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4741% | 7,088 |
| Loan loss allowance to noncurrent loans | 55.7356% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,292 |
| Noncurrent loans to loans | 0.8506% | 4,976 |
| Net loans and leases to total assets | 71.9306% | 1,419 |
| Net loans and leases to deposits | 92.9625% | 732 |
| Net loans and leases to core deposits | 96.5440% | 1,251 |
| Total domestic deposits to total assets | 77.3759% | 6,350 |
| Equity capital to assets | 10.2960% | 3,732 |
| Core capital (leverage) ratio | 9.7740% | 3,677 |
| Tier 1 risk-based capital ratio | 19.2830% | 1,905 |
| Total risk-based capital ratio | 19.9643% | 2,044 |
| Memoranda: | ||
| Average total assets | $990,223,000 | 673 |
| Average earning assets | $927,476,500 | 650 |
| Average equity | $102,013,000 | 698 |
| Average total loans | $724,637,000 | 562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 5,307 |
| Cost of funding earning assets | 1.3036% | 1,470 |
| Net interest margin | 3.1268% | 6,279 |
| Noninterest income to average assets | 0.3797% | 4,789 |
| Noninterest expense to average assets | 2.2308% | 6,208 |
| Loan and lease loss provision to assets | 0.0522% | 5,937 |
| Net operating income to assets | 0.6181% | 3,897 |
| Return on assets (ROA) | 0.6188% | 4,091 |
| Pretax return on assets | 1.0401% | 3,078 |
| Return on Equity (ROE) | 6.0366% | 3,855 |
| Retained earnings to average equity (ytd only) | 2.5920% | 4,379 |
| Net charge-offs to loans | 0.0975% | 5,371 |
| Credit loss provision to net charge-offs | 69.8671% | 4,853 |
| Earnings coverage of net charge-offs (x) | 14.6086% | 1,443 |
| Efficiency ratio | 67.1516% | 4,544 |
| Assets per employee ($millions) | 5.4198% | 1,721 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 7,133 |
| Loan loss allowance to noncurrent loans | 57.4035% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 5,484 |
| Noncurrent loans to loans | 0.7873% | 5,108 |
| Net loans and leases to total assets | 73.7573% | 1,318 |
| Net loans and leases to deposits | 95.3584% | 722 |
| Net loans and leases to core deposits | 98.7384% | 1,282 |
| Total domestic deposits to total assets | 77.3474% | 6,290 |
| Equity capital to assets | 10.3081% | 3,778 |
| Core capital (leverage) ratio | 9.7172% | 3,723 |
| Tier 1 risk-based capital ratio | 18.7477% | 1,976 |
| Total risk-based capital ratio | 19.4000% | 2,118 |
| Memoranda: | ||
| Average total assets | $906,331,200 | 721 |
| Average earning assets | $852,844,600 | 689 |
| Average equity | $92,899,800 | 734 |
| Average total loans | $694,309,800 | 594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 5,367 |
| Cost of funding earning assets | 1.3578% | 1,426 |
| Net interest margin | 3.1075% | 6,370 |
| Noninterest income to average assets | 0.3795% | 4,817 |
| Noninterest expense to average assets | 2.2338% | 6,207 |
| Loan and lease loss provision to assets | 0.0517% | 5,803 |
| Net operating income to assets | 0.5985% | 4,092 |
| Return on assets (ROA) | 0.5995% | 4,270 |
| Pretax return on assets | 1.0232% | 3,314 |
| Return on Equity (ROE) | 5.8577% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.3298% | 4,952 |
| Net charge-offs to loans | 0.1288% | 4,758 |
| Credit loss provision to net charge-offs | 51.9637% | 4,993 |
| Earnings coverage of net charge-offs (x) | 10.7795% | 1,877 |
| Efficiency ratio | 67.5415% | 4,412 |
| Assets per employee ($millions) | 5.5603% | 1,537 |
| Cash dividends to net income (ytd only)* | 60.2259% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4269% | 7,212 |
| Loan loss allowance to noncurrent loans | 63.9976% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 5,780 |
| Noncurrent loans to loans | 0.6670% | 5,551 |
| Net loans and leases to total assets | 73.5057% | 1,411 |
| Net loans and leases to deposits | 94.1746% | 819 |
| Net loans and leases to core deposits | 97.7216% | 1,442 |
| Total domestic deposits to total assets | 78.0526% | 6,182 |
| Equity capital to assets | 9.9375% | 4,427 |
| Core capital (leverage) ratio | 9.5567% | 4,065 |
| Tier 1 risk-based capital ratio | 18.5905% | 2,065 |
| Total risk-based capital ratio | 19.2064% | 2,235 |
| Memoranda: | ||
| Average total assets | $886,314,000 | 746 |
| Average earning assets | $835,041,750 | 714 |
| Average equity | $90,705,000 | 747 |
| Average total loans | $685,176,000 | 608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 5,244 |
| Cost of funding earning assets | 1.3974% | 1,433 |
| Net interest margin | 3.1376% | 6,311 |
| Noninterest income to average assets | 0.3837% | 4,811 |
| Noninterest expense to average assets | 2.2166% | 6,344 |
| Loan and lease loss provision to assets | 0.0481% | 5,713 |
| Net operating income to assets | 0.6223% | 3,948 |
| Return on assets (ROA) | 0.6239% | 4,072 |
| Pretax return on assets | 1.0765% | 2,950 |
| Return on Equity (ROE) | 6.0262% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,782 |
| Net charge-offs to loans | 0.1177% | 4,527 |
| Credit loss provision to net charge-offs | 51.9182% | 4,535 |
| Earnings coverage of net charge-offs (x) | 12.1176% | 1,652 |
| Efficiency ratio | 66.3900% | 4,799 |
| Assets per employee ($millions) | 5.4213% | 1,637 |
| Cash dividends to net income (ytd only)* | 60.7441% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4981% | 7,231 |
| Loan loss allowance to noncurrent loans | 56.7665% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,511 |
| Noncurrent loans to loans | 0.8775% | 5,205 |
| Net loans and leases to total assets | 77.8660% | 797 |
| Net loans and leases to deposits | 105.7203% | 275 |
| Net loans and leases to core deposits | 109.9502% | 721 |
| Total domestic deposits to total assets | 73.6529% | 6,875 |
| Equity capital to assets | 10.3675% | 3,669 |
| Core capital (leverage) ratio | 10.3072% | 2,927 |
| Tier 1 risk-based capital ratio | 19.5501% | 1,705 |
| Total risk-based capital ratio | 20.2928% | 1,791 |
| Memoranda: | ||
| Average total assets | $844,428,000 | 789 |
| Average earning assets | $795,324,000 | 761 |
| Average equity | $87,418,330 | 771 |
| Average total loans | $664,552,670 | 639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 5,283 |
| Cost of funding earning assets | 1.4172% | 1,524 |
| Net interest margin | 3.0983% | 6,354 |
| Noninterest income to average assets | 0.3700% | 4,952 |
| Noninterest expense to average assets | 2.1901% | 6,444 |
| Loan and lease loss provision to assets | 0.0357% | 5,534 |
| Net operating income to assets | 0.6328% | 3,849 |
| Return on assets (ROA) | 0.6359% | 3,904 |
| Pretax return on assets | 1.0686% | 2,873 |
| Return on Equity (ROE) | 6.1467% | 3,817 |
| Retained earnings to average equity (ytd only) | 2.4688% | 4,675 |
| Net charge-offs to loans | 0.0337% | 4,627 |
| Credit loss provision to net charge-offs | 133.9286% | 2,068 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 667 |
| Efficiency ratio | 66.5751% | 4,935 |
| Assets per employee ($millions) | 5.4971% | 1,580 |
| Cash dividends to net income (ytd only)* | 59.8355% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 7,264 |
| Loan loss allowance to noncurrent loans | 60.8388% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,561 |
| Noncurrent loans to loans | 0.8728% | 5,298 |
| Net loans and leases to total assets | 77.4967% | 804 |
| Net loans and leases to deposits | 104.8614% | 286 |
| Net loans and leases to core deposits | 109.7388% | 740 |
| Total domestic deposits to total assets | 73.9040% | 6,913 |
| Equity capital to assets | 10.2621% | 3,456 |
| Core capital (leverage) ratio | 10.2138% | 2,913 |
| Tier 1 risk-based capital ratio | 19.4079% | 1,716 |
| Total risk-based capital ratio | 20.1975% | 1,775 |
| Memoranda: | ||
| Average total assets | $841,072,000 | 792 |
| Average earning assets | $792,562,500 | 767 |
| Average equity | $87,006,500 | 765 |
| Average total loans | $663,795,500 | 645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 4,585 |
| Cost of funding earning assets | 1.7282% | 1,469 |
| Net interest margin | 3.2665% | 6,086 |
| Noninterest income to average assets | 0.4189% | 4,751 |
| Noninterest expense to average assets | 2.1805% | 6,666 |
| Loan and lease loss provision to assets | 0.1123% | 6,034 |
| Net operating income to assets | 0.7351% | 3,071 |
| Return on assets (ROA) | 0.7351% | 3,196 |
| Pretax return on assets | 1.1927% | 2,247 |
| Return on Equity (ROE) | 6.8902% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.1229% | 2,349 |
| Net charge-offs to loans | 0.0862% | 5,976 |
| Credit loss provision to net charge-offs | 154.4983% | 2,295 |
| Earnings coverage of net charge-offs (x) | 17.9602% | 1,122 |
| Efficiency ratio | 62.5600% | 5,614 |
| Assets per employee ($millions) | 5.6469% | 1,462 |
| Cash dividends to net income (ytd only)* | 25.6498% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 7,335 |
| Loan loss allowance to noncurrent loans | 67.1390% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 5,716 |
| Noncurrent loans to loans | 0.7867% | 5,465 |
| Net loans and leases to total assets | 79.5391% | 724 |
| Net loans and leases to deposits | 108.4663% | 264 |
| Net loans and leases to core deposits | 113.9231% | 731 |
| Total domestic deposits to total assets | 73.3307% | 6,965 |
| Equity capital to assets | 10.4295% | 3,237 |
| Core capital (leverage) ratio | 10.3944% | 2,674 |
| Tier 1 risk-based capital ratio | 19.4142% | 1,616 |
| Total risk-based capital ratio | 20.2060% | 1,700 |
| Memoranda: | ||
| Average total assets | $795,487,800 | 850 |
| Average earning assets | $746,826,600 | 821 |
| Average equity | $84,874,400 | 783 |
| Average total loans | $670,439,200 | 652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 4,422 |
| Cost of funding earning assets | 1.7699% | 1,548 |
| Net interest margin | 3.3112% | 5,978 |
| Noninterest income to average assets | 0.4202% | 4,798 |
| Noninterest expense to average assets | 2.2029% | 6,599 |
| Loan and lease loss provision to assets | 0.1384% | 5,643 |
| Net operating income to assets | 0.7305% | 3,282 |
| Return on assets (ROA) | 0.7305% | 3,438 |
| Pretax return on assets | 1.1843% | 2,550 |
| Return on Equity (ROE) | 6.8063% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.0696% | 2,935 |
| Net charge-offs to loans | 0.1018% | 5,510 |
| Credit loss provision to net charge-offs | 159.2593% | 2,383 |
| Earnings coverage of net charge-offs (x) | 15.2164% | 1,454 |
| Efficiency ratio | 62.4820% | 5,524 |
| Assets per employee ($millions) | 5.6711% | 1,487 |
| Cash dividends to net income (ytd only)* | 25.5161% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 7,435 |
| Loan loss allowance to noncurrent loans | 87.8171% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 6,195 |
| Noncurrent loans to loans | 0.5913% | 6,034 |
| Net loans and leases to total assets | 80.8947% | 631 |
| Net loans and leases to deposits | 110.0091% | 254 |
| Net loans and leases to core deposits | 115.7556% | 755 |
| Total domestic deposits to total assets | 73.5346% | 6,984 |
| Equity capital to assets | 10.2928% | 3,776 |
| Core capital (leverage) ratio | 10.2504% | 2,988 |
| Tier 1 risk-based capital ratio | 18.8938% | 1,774 |
| Total risk-based capital ratio | 19.6746% | 1,854 |
| Memoranda: | ||
| Average total assets | $786,835,000 | 861 |
| Average earning assets | $737,931,750 | 831 |
| Average equity | $84,449,250 | 782 |
| Average total loans | $672,109,250 | 652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 4,021 |
| Cost of funding earning assets | 1.7993% | 1,642 |
| Net interest margin | 3.3866% | 5,689 |
| Noninterest income to average assets | 0.4284% | 4,690 |
| Noninterest expense to average assets | 2.2558% | 6,492 |
| Loan and lease loss provision to assets | 0.1790% | 5,080 |
| Net operating income to assets | 0.7171% | 3,322 |
| Return on assets (ROA) | 0.7171% | 3,476 |
| Pretax return on assets | 1.1662% | 2,530 |
| Return on Equity (ROE) | 6.5850% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.9221% | 2,949 |
| Net charge-offs to loans | 0.1441% | 4,788 |
| Credit loss provision to net charge-offs | 142.9752% | 2,775 |
| Earnings coverage of net charge-offs (x) | 10.7438% | 1,849 |
| Efficiency ratio | 62.6437% | 5,581 |
| Assets per employee ($millions) | 5.3613% | 1,743 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5006% | 7,507 |
| Loan loss allowance to noncurrent loans | 106.2520% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 6,404 |
| Noncurrent loans to loans | 0.4712% | 6,308 |
| Net loans and leases to total assets | 85.7195% | 246 |
| Net loans and leases to deposits | 118.7480% | 138 |
| Net loans and leases to core deposits | 125.1683% | 539 |
| Total domestic deposits to total assets | 72.1860% | 7,171 |
| Equity capital to assets | 10.8497% | 3,026 |
| Core capital (leverage) ratio | 10.8102% | 2,392 |
| Tier 1 risk-based capital ratio | 18.7936% | 1,765 |
| Total risk-based capital ratio | 19.5469% | 1,845 |
| Memoranda: | ||
| Average total assets | $773,117,670 | 879 |
| Average earning assets | $724,275,670 | 847 |
| Average equity | $84,191,330 | 778 |
| Average total loans | $671,714,330 | 651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 3,829 |
| Cost of funding earning assets | 1.8414% | 1,693 |
| Net interest margin | 3.3989% | 5,587 |
| Noninterest income to average assets | 0.4112% | 4,811 |
| Noninterest expense to average assets | 2.3035% | 6,368 |
| Loan and lease loss provision to assets | 0.0794% | 5,849 |
| Net operating income to assets | 0.7445% | 3,238 |
| Return on assets (ROA) | 0.7445% | 3,344 |
| Pretax return on assets | 1.2116% | 2,323 |
| Return on Equity (ROE) | 6.8237% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,938 |
| Net charge-offs to loans | 0.0042% | 5,565 |
| Credit loss provision to net charge-offs | 2,171.4286% | 236 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 80 |
| Efficiency ratio | 64.0843% | 5,477 |
| Assets per employee ($millions) | 5.3495% | 1,823 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 7,588 |
| Loan loss allowance to noncurrent loans | 134.5161% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 6,643 |
| Noncurrent loans to loans | 0.3704% | 6,554 |
| Net loans and leases to total assets | 86.4790% | 192 |
| Net loans and leases to deposits | 120.6523% | 128 |
| Net loans and leases to core deposits | 128.3585% | 529 |
| Total domestic deposits to total assets | 71.6762% | 7,294 |
| Equity capital to assets | 10.9351% | 2,821 |
| Core capital (leverage) ratio | 10.9072% | 2,289 |
| Tier 1 risk-based capital ratio | 18.7743% | 1,777 |
| Total risk-based capital ratio | 19.5234% | 1,850 |
| Memoranda: | ||
| Average total assets | $765,619,500 | 906 |
| Average earning assets | $717,047,500 | 880 |
| Average equity | $83,533,000 | 792 |
| Average total loans | $668,088,500 | 678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 3,928 |
| Cost of funding earning assets | 2.0939% | 2,493 |
| Net interest margin | 3.4462% | 5,187 |
| Noninterest income to average assets | 0.4276% | 4,988 |
| Noninterest expense to average assets | 2.2420% | 6,890 |
| Loan and lease loss provision to assets | 0.1755% | 5,945 |
| Net operating income to assets | 0.7566% | 2,690 |
| Return on assets (ROA) | 0.7572% | 2,784 |
| Pretax return on assets | 1.2096% | 1,926 |
| Return on Equity (ROE) | 7.7649% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.0397% | 1,333 |
| Net charge-offs to loans | 0.1073% | 6,076 |
| Credit loss provision to net charge-offs | 183.3089% | 2,237 |
| Earnings coverage of net charge-offs (x) | 14.4568% | 1,368 |
| Efficiency ratio | 61.8263% | 6,183 |
| Assets per employee ($millions) | 5.2841% | 1,848 |
| Cash dividends to net income (ytd only)* | 22.2181% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4788% | 7,685 |
| Loan loss allowance to noncurrent loans | 173.0081% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,815 |
| Noncurrent loans to loans | 0.2768% | 6,735 |
| Net loans and leases to total assets | 87.1951% | 214 |
| Net loans and leases to deposits | 122.3047% | 144 |
| Net loans and leases to core deposits | 145.6590% | 618 |
| Total domestic deposits to total assets | 71.2934% | 7,306 |
| Equity capital to assets | 10.8856% | 2,788 |
| Core capital (leverage) ratio | 10.8685% | 2,304 |
| Tier 1 risk-based capital ratio | 18.5058% | 1,750 |
| Total risk-based capital ratio | 19.2214% | 1,865 |
| Memoranda: | ||
| Average total assets | $713,299,400 | 957 |
| Average earning assets | $662,061,600 | 935 |
| Average equity | $69,556,200 | 937 |
| Average total loans | $636,419,600 | 735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 3,947 |
| Cost of funding earning assets | 2.1482% | 2,661 |
| Net interest margin | 3.4367% | 5,126 |
| Noninterest income to average assets | 0.4114% | 5,203 |
| Noninterest expense to average assets | 2.2283% | 6,900 |
| Loan and lease loss provision to assets | 0.1701% | 5,660 |
| Net operating income to assets | 0.7536% | 3,009 |
| Return on assets (ROA) | 0.7543% | 3,070 |
| Pretax return on assets | 1.1972% | 2,271 |
| Return on Equity (ROE) | 7.9872% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.1755% | 1,864 |
| Net charge-offs to loans | 0.0929% | 5,751 |
| Credit loss provision to net charge-offs | 204.3379% | 2,178 |
| Earnings coverage of net charge-offs (x) | 16.4086% | 1,471 |
| Efficiency ratio | 61.9916% | 6,101 |
| Assets per employee ($millions) | 5.2030% | 1,881 |
| Cash dividends to net income (ytd only)* | 22.6815% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 7,749 |
| Loan loss allowance to noncurrent loans | 121.8923% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,570 |
| Noncurrent loans to loans | 0.3836% | 6,578 |
| Net loans and leases to total assets | 89.3355% | 143 |
| Net loans and leases to deposits | 121.5706% | 178 |
| Net loans and leases to core deposits | 144.5762% | 741 |
| Total domestic deposits to total assets | 73.4845% | 7,030 |
| Equity capital to assets | 9.3188% | 5,002 |
| Core capital (leverage) ratio | 9.3158% | 4,166 |
| Tier 1 risk-based capital ratio | 15.6321% | 2,760 |
| Total risk-based capital ratio | 16.3360% | 2,940 |
| Memoranda: | ||
| Average total assets | $701,398,250 | 987 |
| Average earning assets | $649,632,250 | 968 |
| Average equity | $66,238,000 | 1,013 |
| Average total loans | $628,858,750 | 758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 4,202 |
| Cost of funding earning assets | 2.1904% | 2,840 |
| Net interest margin | 3.3817% | 5,245 |
| Noninterest income to average assets | 0.4095% | 5,200 |
| Noninterest expense to average assets | 2.2680% | 6,855 |
| Loan and lease loss provision to assets | 0.1170% | 5,966 |
| Net operating income to assets | 0.7356% | 3,111 |
| Return on assets (ROA) | 0.7367% | 3,208 |
| Pretax return on assets | 1.1621% | 2,419 |
| Return on Equity (ROE) | 7.7645% | 2,864 |
| Retained earnings to average equity (ytd only) | 5.9333% | 2,052 |
| Net charge-offs to loans | 0.0414% | 5,885 |
| Credit loss provision to net charge-offs | 315.6250% | 1,479 |
| Earnings coverage of net charge-offs (x) | 34.4609% | 907 |
| Efficiency ratio | 63.9712% | 5,920 |
| Assets per employee ($millions) | 5.1061% | 1,960 |
| Cash dividends to net income (ytd only)* | 23.5849% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 7,828 |
| Loan loss allowance to noncurrent loans | 65.6465% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,821 |
| Noncurrent loans to loans | 0.7052% | 5,833 |
| Net loans and leases to total assets | 89.0323% | 183 |
| Net loans and leases to deposits | 128.1614% | 133 |
| Net loans and leases to core deposits | 153.9150% | 562 |
| Total domestic deposits to total assets | 69.4689% | 7,517 |
| Equity capital to assets | 9.3493% | 4,801 |
| Core capital (leverage) ratio | 9.3754% | 4,063 |
| Tier 1 risk-based capital ratio | 15.7244% | 2,718 |
| Total risk-based capital ratio | 16.4191% | 2,888 |
| Memoranda: | ||
| Average total assets | $690,656,330 | 1,021 |
| Average earning assets | $640,442,670 | 1,002 |
| Average equity | $65,529,000 | 1,031 |
| Average total loans | $618,989,670 | 794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 4,324 |
| Cost of funding earning assets | 2.2468% | 2,929 |
| Net interest margin | 3.3585% | 5,293 |
| Noninterest income to average assets | 0.3879% | 5,316 |
| Noninterest expense to average assets | 2.1758% | 6,933 |
| Loan and lease loss provision to assets | 0.0896% | 5,817 |
| Net operating income to assets | 0.7918% | 3,162 |
| Return on assets (ROA) | 0.7940% | 3,317 |
| Pretax return on assets | 1.2479% | 2,462 |
| Return on Equity (ROE) | 8.3050% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.4553% | 2,437 |
| Net charge-offs to loans | -0.0007% | 7,095 |
| Credit loss provision to net charge-offs | -15,200.0000% | 6,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9919% | 6,048 |
| Assets per employee ($millions) | 5.0737% | 1,993 |
| Cash dividends to net income (ytd only)* | 22.2717% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 7,886 |
| Loan loss allowance to noncurrent loans | 282.8514% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,894 |
| Noncurrent loans to loans | 0.1617% | 7,067 |
| Net loans and leases to total assets | 89.5026% | 161 |
| Net loans and leases to deposits | 127.9266% | 163 |
| Net loans and leases to core deposits | 157.2928% | 540 |
| Total domestic deposits to total assets | 69.9640% | 7,428 |
| Equity capital to assets | 9.4626% | 4,728 |
| Core capital (leverage) ratio | 9.5478% | 3,927 |
| Tier 1 risk-based capital ratio | 15.9375% | 2,706 |
| Total risk-based capital ratio | 16.6231% | 2,840 |
| Memoranda: | ||
| Average total assets | $678,557,500 | 1,035 |
| Average earning assets | $630,765,500 | 1,020 |
| Average equity | $64,876,500 | 1,051 |
| Average total loans | $608,779,000 | 807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 6,412 |
| Cost of funding earning assets | 2.6151% | 3,606 |
| Net interest margin | 3.1888% | 6,394 |
| Noninterest income to average assets | 0.3758% | 5,686 |
| Noninterest expense to average assets | 2.1706% | 7,053 |
| Loan and lease loss provision to assets | 0.0576% | 6,693 |
| Net operating income to assets | 0.7102% | 3,845 |
| Return on assets (ROA) | 0.7053% | 3,704 |
| Pretax return on assets | 1.1122% | 2,986 |
| Return on Equity (ROE) | 7.2828% | 3,382 |
| Retained earnings to average equity (ytd only) | 5.3751% | 1,826 |
| Net charge-offs to loans | -0.0005% | 7,715 |
| Credit loss provision to net charge-offs | -12,466.6667% | 7,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8319% | 5,366 |
| Assets per employee ($millions) | 4.5381% | 2,554 |
| Cash dividends to net income (ytd only)* | 26.1952% | 4,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4495% | 7,918 |
| Loan loss allowance to noncurrent loans | 131.7624% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,373 |
| Noncurrent loans to loans | 0.3411% | 6,353 |
| Net loans and leases to total assets | 89.1104% | 271 |
| Net loans and leases to deposits | 129.0169% | 225 |
| Net loans and leases to core deposits | 159.8346% | 577 |
| Total domestic deposits to total assets | 69.0688% | 7,377 |
| Equity capital to assets | 9.6626% | 4,469 |
| Core capital (leverage) ratio | 9.7030% | 3,761 |
| Tier 1 risk-based capital ratio | 16.2212% | 2,574 |
| Total risk-based capital ratio | 16.8942% | 2,727 |
| Memoranda: | ||
| Average total assets | $649,533,800 | 1,031 |
| Average earning assets | $605,436,800 | 1,009 |
| Average equity | $62,901,200 | 1,069 |
| Average total loans | $566,808,400 | 840 |