Home > The Citizens National Bank of Athens > Performance and Condition Ratios
The Citizens National Bank of Athens, 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 | 0.3945% | 5,974 |
| Cost of funding earning assets | 0.0340% | 5,923 |
| Net interest margin | 0.3605% | 5,974 |
| Noninterest income to average assets | 0.0573% | 5,816 |
| Noninterest expense to average assets | 0.2475% | 5,971 |
| Loan and lease loss provision to assets | 0.0134% | 3,985 |
| Net operating income to assets | 0.0835% | 5,643 |
| Return on assets (ROA) | 0.0882% | 5,685 |
| Pretax return on assets | 0.1416% | 5,637 |
| Return on Equity (ROE) | 0.7207% | 5,680 |
| Retained earnings to average equity (ytd only) | -21.1651% | 5,921 |
| Net charge-offs to loans | 0.2924% | 785 |
| Credit loss provision to net charge-offs | 7.1244% | 3,383 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 3,756 |
| Efficiency ratio | 62.6306% | 4,121 |
| Assets per employee ($millions) | 3.9954% | 3,977 |
| Cash dividends to net income (ytd only)* | 3,036.6268% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0160% | 5,928 |
| Loan loss allowance to noncurrent loans | 1.1181% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 1,192 |
| Noncurrent loans to loans | 1.4328% | 1,514 |
| Net loans and leases to total assets | 62.2552% | 3,616 |
| Net loans and leases to deposits | 74.7367% | 3,528 |
| Net loans and leases to core deposits | 78.5147% | 3,611 |
| Total domestic deposits to total assets | 83.2994% | 3,485 |
| Equity capital to assets | 13.9057% | 1,077 |
| Core capital (leverage) ratio | 13.8883% | 885 |
| Tier 1 risk-based capital ratio | 19.9868% | 1,451 |
| Total risk-based capital ratio | 20.0632% | 1,672 |
| Memoranda: | ||
| Average total assets | $549,048,250 | 1,263 |
| Average earning assets | $514,451,500 | 1,247 |
| Average equity | $67,153,000 | 1,171 |
| Average total loans | $352,017,250 | 1,330 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,455 |
| Cost of funding earning assets | 0.4610% | 2,466 |
| Net interest margin | 3.4828% | 3,552 |
| Noninterest income to average assets | 0.7117% | 2,086 |
| Noninterest expense to average assets | 2.6968% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2184% | 1,537 |
| Return on assets (ROA) | 1.2483% | 1,540 |
| Pretax return on assets | 1.3486% | 2,212 |
| Return on Equity (ROE) | 10.6970% | 1,762 |
| Retained earnings to average equity (ytd only) | 2.1850% | 4,479 |
| Net charge-offs to loans | 0.2192% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.2776% | 2,433 |
| Efficiency ratio | 67.1969% | 3,501 |
| Assets per employee ($millions) | 3.8398% | 4,188 |
| Cash dividends to net income (ytd only)* | 79.5733% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,599 |
| Loan loss allowance to noncurrent loans | 126.7204% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 1,192 |
| Noncurrent loans to loans | 1.0527% | 2,182 |
| Net loans and leases to total assets | 62.6211% | 3,552 |
| Net loans and leases to deposits | 73.5749% | 3,644 |
| Net loans and leases to core deposits | 77.3658% | 3,706 |
| Total domestic deposits to total assets | 85.1120% | 2,824 |
| Equity capital to assets | 11.8562% | 2,228 |
| Core capital (leverage) ratio | 11.3344% | 2,115 |
| Tier 1 risk-based capital ratio | 15.9023% | 2,693 |
| Total risk-based capital ratio | 17.1522% | 2,629 |
| Memoranda: | ||
| Average total assets | $548,276,670 | 1,270 |
| Average earning assets | $519,753,670 | 1,235 |
| Average equity | $63,980,330 | 1,234 |
| Average total loans | $354,920,670 | 1,319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,503 |
| Cost of funding earning assets | 0.4621% | 2,448 |
| Net interest margin | 3.4598% | 3,625 |
| Noninterest income to average assets | 0.7110% | 1,988 |
| Noninterest expense to average assets | 2.6366% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2494% | 1,409 |
| Return on assets (ROA) | 1.2624% | 1,457 |
| Pretax return on assets | 1.3639% | 2,028 |
| Return on Equity (ROE) | 10.9077% | 1,626 |
| Retained earnings to average equity (ytd only) | -0.2223% | 5,148 |
| Net charge-offs to loans | 0.4701% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.3923% | 2,441 |
| Efficiency ratio | 66.1380% | 3,777 |
| Assets per employee ($millions) | 3.7066% | 4,459 |
| Cash dividends to net income (ytd only)* | 102.0384% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,831 |
| Loan loss allowance to noncurrent loans | 114.9411% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 1,163 |
| Noncurrent loans to loans | 1.1432% | 2,121 |
| Net loans and leases to total assets | 63.7111% | 3,280 |
| Net loans and leases to deposits | 74.4161% | 3,390 |
| Net loans and leases to core deposits | 77.7135% | 3,519 |
| Total domestic deposits to total assets | 85.6148% | 2,857 |
| Equity capital to assets | 11.5050% | 2,435 |
| Core capital (leverage) ratio | 11.2969% | 2,141 |
| Tier 1 risk-based capital ratio | 15.7652% | 2,798 |
| Total risk-based capital ratio | 17.0138% | 2,733 |
| Memoranda: | ||
| Average total assets | $544,029,500 | 1,278 |
| Average earning assets | $515,060,000 | 1,250 |
| Average equity | $62,964,500 | 1,247 |
| Average total loans | $355,696,000 | 1,308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,435 |
| Cost of funding earning assets | 0.4434% | 2,698 |
| Net interest margin | 3.5253% | 3,429 |
| Noninterest income to average assets | 0.6968% | 2,217 |
| Noninterest expense to average assets | 2.7260% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2004% | 1,545 |
| Return on assets (ROA) | 1.2129% | 1,576 |
| Pretax return on assets | 1.3172% | 2,214 |
| Return on Equity (ROE) | 10.4459% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.9150% | 3,252 |
| Net charge-offs to loans | 0.5521% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.5903% | 3,703 |
| Efficiency ratio | 67.6511% | 3,634 |
| Assets per employee ($millions) | 3.5482% | 4,732 |
| Cash dividends to net income (ytd only)* | 62.5215% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 2,258 |
| Loan loss allowance to noncurrent loans | 82.5595% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 805 |
| Noncurrent loans to loans | 1.7419% | 1,292 |
| Net loans and leases to total assets | 65.2770% | 3,086 |
| Net loans and leases to deposits | 76.2447% | 3,222 |
| Net loans and leases to core deposits | 79.5599% | 3,391 |
| Total domestic deposits to total assets | 85.6151% | 2,808 |
| Equity capital to assets | 11.6445% | 2,238 |
| Core capital (leverage) ratio | 11.6297% | 1,871 |
| Tier 1 risk-based capital ratio | 15.7659% | 2,796 |
| Total risk-based capital ratio | 17.0170% | 2,737 |
| Memoranda: | ||
| Average total assets | $527,726,000 | 1,283 |
| Average earning assets | $498,908,200 | 1,254 |
| Average equity | $61,277,600 | 1,233 |
| Average total loans | $347,058,400 | 1,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,434 |
| Cost of funding earning assets | 0.4418% | 2,775 |
| Net interest margin | 3.5342% | 3,412 |
| Noninterest income to average assets | 0.6972% | 2,232 |
| Noninterest expense to average assets | 2.6310% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3101% | 1,312 |
| Return on assets (ROA) | 1.3191% | 1,351 |
| Pretax return on assets | 1.4149% | 1,953 |
| Return on Equity (ROE) | 11.3680% | 1,582 |
| Retained earnings to average equity (ytd only) | 2.6207% | 4,542 |
| Net charge-offs to loans | 0.4736% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.5196% | 3,335 |
| Efficiency ratio | 65.1838% | 4,034 |
| Assets per employee ($millions) | 3.5156% | 4,767 |
| Cash dividends to net income (ytd only)* | 76.9468% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 1,577 |
| Loan loss allowance to noncurrent loans | 60.5076% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 3.0428% | 489 |
| Noncurrent loans to loans | 2.7456% | 687 |
| Net loans and leases to total assets | 65.0276% | 3,152 |
| Net loans and leases to deposits | 76.3977% | 3,258 |
| Net loans and leases to core deposits | 79.8786% | 3,437 |
| Total domestic deposits to total assets | 85.1173% | 2,962 |
| Equity capital to assets | 11.7331% | 2,322 |
| Core capital (leverage) ratio | 11.6143% | 1,944 |
| Tier 1 risk-based capital ratio | 15.8703% | 2,855 |
| Total risk-based capital ratio | 17.1240% | 2,797 |
| Memoranda: | ||
| Average total assets | $525,714,750 | 1,294 |
| Average earning assets | $496,692,000 | 1,266 |
| Average equity | $61,000,000 | 1,247 |
| Average total loans | $345,113,500 | 1,308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,309 |
| Cost of funding earning assets | 0.4386% | 2,855 |
| Net interest margin | 3.5576% | 3,255 |
| Noninterest income to average assets | 0.6870% | 2,270 |
| Noninterest expense to average assets | 2.6696% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2935% | 1,342 |
| Return on assets (ROA) | 1.3024% | 1,374 |
| Pretax return on assets | 1.3881% | 2,031 |
| Return on Equity (ROE) | 11.2669% | 1,599 |
| Retained earnings to average equity (ytd only) | 4.4804% | 3,162 |
| Net charge-offs to loans | 0.2344% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9826% | 2,501 |
| Efficiency ratio | 65.9454% | 4,019 |
| Assets per employee ($millions) | 3.5039% | 4,781 |
| Cash dividends to net income (ytd only)* | 60.2339% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 1,127 |
| Loan loss allowance to noncurrent loans | 64.9583% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.1506% | 504 |
| Noncurrent loans to loans | 2.9534% | 678 |
| Net loans and leases to total assets | 64.3568% | 3,217 |
| Net loans and leases to deposits | 75.9250% | 3,285 |
| Net loans and leases to core deposits | 79.2147% | 3,470 |
| Total domestic deposits to total assets | 84.7637% | 3,230 |
| Equity capital to assets | 11.6934% | 2,256 |
| Core capital (leverage) ratio | 11.6510% | 1,883 |
| Tier 1 risk-based capital ratio | 16.1331% | 2,787 |
| Total risk-based capital ratio | 17.3899% | 2,739 |
| Memoranda: | ||
| Average total assets | $525,174,330 | 1,302 |
| Average earning assets | $496,173,000 | 1,269 |
| Average equity | $60,709,000 | 1,260 |
| Average total loans | $343,915,670 | 1,317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 4,315 |
| Cost of funding earning assets | 0.4324% | 2,953 |
| Net interest margin | 3.2811% | 4,290 |
| Noninterest income to average assets | 0.6446% | 2,426 |
| Noninterest expense to average assets | 2.6409% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0181% | 2,176 |
| Return on assets (ROA) | 1.0370% | 2,239 |
| Pretax return on assets | 1.1231% | 2,983 |
| Return on Equity (ROE) | 9.0230% | 2,434 |
| Retained earnings to average equity (ytd only) | -4.6342% | 5,910 |
| Net charge-offs to loans | -0.0582% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5475% | 3,387 |
| Assets per employee ($millions) | 3.6405% | 4,635 |
| Cash dividends to net income (ytd only)* | 151.3593% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 993 |
| Loan loss allowance to noncurrent loans | 42.3776% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 4.2952% | 326 |
| Noncurrent loans to loans | 4.8319% | 295 |
| Net loans and leases to total assets | 63.6202% | 3,144 |
| Net loans and leases to deposits | 74.3866% | 3,254 |
| Net loans and leases to core deposits | 77.8212% | 3,401 |
| Total domestic deposits to total assets | 85.5264% | 3,165 |
| Equity capital to assets | 11.3292% | 2,617 |
| Core capital (leverage) ratio | 11.2631% | 2,182 |
| Tier 1 risk-based capital ratio | 15.5321% | 3,127 |
| Total risk-based capital ratio | 16.7904% | 3,068 |
| Memoranda: | ||
| Average total assets | $524,972,000 | 1,303 |
| Average earning assets | $495,808,500 | 1,281 |
| Average equity | $60,334,500 | 1,271 |
| Average total loans | $343,442,500 | 1,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,131 |
| Cost of funding earning assets | 0.4503% | 3,169 |
| Net interest margin | 3.4459% | 3,999 |
| Noninterest income to average assets | 0.4687% | 3,719 |
| Noninterest expense to average assets | 2.9198% | 3,082 |
| Loan and lease loss provision to assets | -0.1624% | 6,243 |
| Net operating income to assets | 0.8885% | 2,930 |
| Return on assets (ROA) | 0.9030% | 2,946 |
| Pretax return on assets | 0.9726% | 3,604 |
| Return on Equity (ROE) | 8.1373% | 3,053 |
| Retained earnings to average equity (ytd only) | 4.3593% | 3,078 |
| Net charge-offs to loans | -0.0012% | 5,350 |
| Credit loss provision to net charge-offs | 21,025.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6097% | 2,118 |
| Assets per employee ($millions) | 3.4794% | 4,935 |
| Cash dividends to net income (ytd only)* | 46.4286% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 1,021 |
| Loan loss allowance to noncurrent loans | 41.1937% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 4.5922% | 327 |
| Noncurrent loans to loans | 4.9871% | 296 |
| Net loans and leases to total assets | 64.5501% | 3,138 |
| Net loans and leases to deposits | 75.9048% | 3,210 |
| Net loans and leases to core deposits | 79.4180% | 3,362 |
| Total domestic deposits to total assets | 85.0408% | 3,265 |
| Equity capital to assets | 11.6607% | 2,293 |
| Core capital (leverage) ratio | 11.4734% | 1,985 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,692 |
| Total risk-based capital ratio | 17.8160% | 2,630 |
| Memoranda: | ||
| Average total assets | $517,811,600 | 1,300 |
| Average earning assets | $487,714,800 | 1,263 |
| Average equity | $57,463,800 | 1,273 |
| Average total loans | $335,119,200 | 1,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,617 |
| Cost of funding earning assets | 0.4497% | 3,255 |
| Net interest margin | 3.3309% | 4,505 |
| Noninterest income to average assets | 0.4940% | 3,586 |
| Noninterest expense to average assets | 2.8456% | 3,303 |
| Loan and lease loss provision to assets | -0.2166% | 6,402 |
| Net operating income to assets | 0.9351% | 2,753 |
| Return on assets (ROA) | 0.9545% | 2,745 |
| Pretax return on assets | 1.0225% | 3,508 |
| Return on Equity (ROE) | 8.7121% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.6085% | 4,082 |
| Net charge-offs to loans | -0.1167% | 6,187 |
| Credit loss provision to net charge-offs | 288.0137% | 940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3768% | 2,124 |
| Assets per employee ($millions) | 3.4371% | 4,985 |
| Cash dividends to net income (ytd only)* | 58.5806% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1871% | 964 |
| Loan loss allowance to noncurrent loans | 38.7454% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 4.8697% | 362 |
| Noncurrent loans to loans | 5.6448% | 276 |
| Net loans and leases to total assets | 62.9645% | 3,349 |
| Net loans and leases to deposits | 73.6519% | 3,476 |
| Net loans and leases to core deposits | 77.3006% | 3,606 |
| Total domestic deposits to total assets | 85.4892% | 3,118 |
| Equity capital to assets | 11.2700% | 2,688 |
| Core capital (leverage) ratio | 11.3401% | 2,183 |
| Tier 1 risk-based capital ratio | 16.5890% | 2,776 |
| Total risk-based capital ratio | 17.8497% | 2,729 |
| Memoranda: | ||
| Average total assets | $517,658,500 | 1,312 |
| Average earning assets | $487,462,000 | 1,271 |
| Average equity | $56,716,750 | 1,300 |
| Average total loans | $333,483,500 | 1,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,735 |
| Cost of funding earning assets | 0.4478% | 3,351 |
| Net interest margin | 3.2918% | 4,624 |
| Noninterest income to average assets | 0.4091% | 4,180 |
| Noninterest expense to average assets | 2.8546% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5796% | 4,455 |
| Return on assets (ROA) | 0.6013% | 4,445 |
| Pretax return on assets | 0.6771% | 4,718 |
| Return on Equity (ROE) | 5.5412% | 4,415 |
| Retained earnings to average equity (ytd only) | 0.1283% | 5,647 |
| Net charge-offs to loans | 0.1686% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.0071% | 2,834 |
| Efficiency ratio | 81.3892% | 1,822 |
| Assets per employee ($millions) | 3.4541% | 4,936 |
| Cash dividends to net income (ytd only)* | 97.6849% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2464% | 961 |
| Loan loss allowance to noncurrent loans | 32.9405% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 5.7497% | 278 |
| Noncurrent loans to loans | 6.8194% | 185 |
| Net loans and leases to total assets | 63.2009% | 3,208 |
| Net loans and leases to deposits | 73.5490% | 3,383 |
| Net loans and leases to core deposits | 77.3172% | 3,509 |
| Total domestic deposits to total assets | 85.9302% | 3,075 |
| Equity capital to assets | 10.9103% | 2,966 |
| Core capital (leverage) ratio | 10.9619% | 2,464 |
| Tier 1 risk-based capital ratio | 15.9529% | 3,115 |
| Total risk-based capital ratio | 17.2143% | 3,046 |
| Memoranda: | ||
| Average total assets | $517,209,000 | 1,304 |
| Average earning assets | $486,783,670 | 1,267 |
| Average equity | $56,125,000 | 1,298 |
| Average total loans | $333,279,000 | 1,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 5,171 |
| Cost of funding earning assets | 0.4454% | 3,479 |
| Net interest margin | 3.1537% | 5,077 |
| Noninterest income to average assets | 0.2198% | 5,599 |
| Noninterest expense to average assets | 2.8301% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2560% | 5,646 |
| Return on assets (ROA) | 0.2594% | 5,673 |
| Pretax return on assets | 0.3580% | 5,575 |
| Return on Equity (ROE) | 2.3971% | 5,674 |
| Retained earnings to average equity (ytd only) | -8.5045% | 6,306 |
| Net charge-offs to loans | 0.1594% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.4470% | 2,683 |
| Efficiency ratio | 88.8997% | 1,139 |
| Assets per employee ($millions) | 3.5253% | 4,872 |
| Cash dividends to net income (ytd only)* | 454.7904% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3298% | 984 |
| Loan loss allowance to noncurrent loans | 31.1376% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 5.9001% | 296 |
| Noncurrent loans to loans | 7.4824% | 195 |
| Net loans and leases to total assets | 61.6440% | 3,293 |
| Net loans and leases to deposits | 71.1917% | 3,447 |
| Net loans and leases to core deposits | 75.0450% | 3,521 |
| Total domestic deposits to total assets | 86.5888% | 3,055 |
| Equity capital to assets | 10.5164% | 3,231 |
| Core capital (leverage) ratio | 10.8491% | 2,542 |
| Tier 1 risk-based capital ratio | 15.5320% | 3,415 |
| Total risk-based capital ratio | 16.7936% | 3,379 |
| Memoranda: | ||
| Average total assets | $515,027,500 | 1,311 |
| Average earning assets | $484,006,500 | 1,281 |
| Average equity | $55,735,000 | 1,299 |
| Average total loans | $331,312,000 | 1,326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,920 |
| Cost of funding earning assets | 0.5411% | 3,187 |
| Net interest margin | 3.2248% | 4,914 |
| Noninterest income to average assets | 0.3718% | 4,656 |
| Noninterest expense to average assets | 2.7043% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6511% | 4,026 |
| Return on assets (ROA) | 0.6933% | 3,919 |
| Pretax return on assets | 0.7201% | 4,461 |
| Return on Equity (ROE) | 6.5531% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.5531% | 1,652 |
| Net charge-offs to loans | 0.3725% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.8513% | 4,054 |
| Efficiency ratio | 79.9909% | 2,149 |
| Assets per employee ($millions) | 3.3652% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3727% | 959 |
| Loan loss allowance to noncurrent loans | 37.5257% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 6.5294% | 278 |
| Noncurrent loans to loans | 6.3229% | 300 |
| Net loans and leases to total assets | 64.0365% | 3,042 |
| Net loans and leases to deposits | 73.9759% | 3,259 |
| Net loans and leases to core deposits | 78.0128% | 3,364 |
| Total domestic deposits to total assets | 86.5640% | 2,961 |
| Equity capital to assets | 11.1395% | 2,487 |
| Core capital (leverage) ratio | 11.0914% | 2,302 |
| Tier 1 risk-based capital ratio | 15.9246% | 3,135 |
| Total risk-based capital ratio | 17.1870% | 3,082 |
| Memoranda: | ||
| Average total assets | $521,572,600 | 1,273 |
| Average earning assets | $486,641,400 | 1,257 |
| Average equity | $55,180,400 | 1,295 |
| Average total loans | $332,050,200 | 1,280 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 5,051 |
| Cost of funding earning assets | 0.5619% | 3,149 |
| Net interest margin | 3.1814% | 5,053 |
| Noninterest income to average assets | 0.4227% | 4,348 |
| Noninterest expense to average assets | 2.6716% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6940% | 3,889 |
| Return on assets (ROA) | 0.7504% | 3,725 |
| Pretax return on assets | 0.7770% | 4,396 |
| Return on Equity (ROE) | 7.1839% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1839% | 1,796 |
| Net charge-offs to loans | 0.5794% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.9633% | 4,169 |
| Efficiency ratio | 78.7883% | 2,295 |
| Assets per employee ($millions) | 3.4581% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 1,172 |
| Loan loss allowance to noncurrent loans | 35.2359% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 6.8159% | 311 |
| Noncurrent loans to loans | 6.5499% | 344 |
| Net loans and leases to total assets | 62.8383% | 3,196 |
| Net loans and leases to deposits | 73.7640% | 3,269 |
| Net loans and leases to core deposits | 77.3564% | 3,448 |
| Total domestic deposits to total assets | 85.1882% | 3,642 |
| Equity capital to assets | 10.7926% | 2,961 |
| Core capital (leverage) ratio | 10.9285% | 2,554 |
| Tier 1 risk-based capital ratio | 15.5647% | 3,442 |
| Total risk-based capital ratio | 16.8261% | 3,392 |
| Memoranda: | ||
| Average total assets | $525,771,000 | 1,279 |
| Average earning assets | $490,461,500 | 1,255 |
| Average equity | $54,918,000 | 1,310 |
| Average total loans | $332,288,000 | 1,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 5,055 |
| Cost of funding earning assets | 0.5817% | 3,107 |
| Net interest margin | 3.1478% | 5,126 |
| Noninterest income to average assets | 0.3473% | 4,914 |
| Noninterest expense to average assets | 2.6077% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6499% | 4,061 |
| Return on assets (ROA) | 0.7338% | 3,804 |
| Pretax return on assets | 0.7603% | 4,467 |
| Return on Equity (ROE) | 7.1021% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.1021% | 1,846 |
| Net charge-offs to loans | 0.2297% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6675% | 3,071 |
| Efficiency ratio | 79.4565% | 2,230 |
| Assets per employee ($millions) | 3.5654% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6746% | 810 |
| Loan loss allowance to noncurrent loans | 36.3671% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 7.0467% | 338 |
| Noncurrent loans to loans | 7.3545% | 305 |
| Net loans and leases to total assets | 60.0702% | 3,645 |
| Net loans and leases to deposits | 69.5627% | 3,779 |
| Net loans and leases to core deposits | 73.1677% | 3,906 |
| Total domestic deposits to total assets | 86.3539% | 3,181 |
| Equity capital to assets | 10.3342% | 3,510 |
| Core capital (leverage) ratio | 10.4786% | 2,902 |
| Tier 1 risk-based capital ratio | 15.4711% | 3,497 |
| Total risk-based capital ratio | 16.7353% | 3,442 |
| Memoranda: | ||
| Average total assets | $529,277,000 | 1,265 |
| Average earning assets | $493,353,000 | 1,244 |
| Average equity | $54,687,670 | 1,317 |
| Average total loans | $332,575,670 | 1,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,742 |
| Cost of funding earning assets | 0.6102% | 3,012 |
| Net interest margin | 3.2130% | 4,885 |
| Noninterest income to average assets | 0.4082% | 4,400 |
| Noninterest expense to average assets | 2.5046% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8666% | 2,829 |
| Return on assets (ROA) | 0.9010% | 2,798 |
| Pretax return on assets | 0.9274% | 3,662 |
| Return on Equity (ROE) | 8.7208% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.7208% | 1,479 |
| Net charge-offs to loans | 0.0952% | 2,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.7750% | 1,437 |
| Efficiency ratio | 73.7170% | 3,311 |
| Assets per employee ($millions) | 3.6889% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7040% | 910 |
| Loan loss allowance to noncurrent loans | 34.8342% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 7.5213% | 353 |
| Noncurrent loans to loans | 7.7624% | 352 |
| Net loans and leases to total assets | 60.6311% | 3,324 |
| Net loans and leases to deposits | 70.3442% | 3,420 |
| Net loans and leases to core deposits | 73.8017% | 3,605 |
| Total domestic deposits to total assets | 86.1920% | 3,421 |
| Equity capital to assets | 10.3318% | 3,755 |
| Core capital (leverage) ratio | 10.2401% | 3,091 |
| Tier 1 risk-based capital ratio | 15.8479% | 3,351 |
| Total risk-based capital ratio | 17.1157% | 3,305 |
| Memoranda: | ||
| Average total assets | $530,074,000 | 1,276 |
| Average earning assets | $492,992,000 | 1,256 |
| Average equity | $54,765,500 | 1,332 |
| Average total loans | $336,018,000 | 1,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 4,327 |
| Cost of funding earning assets | 0.7965% | 2,694 |
| Net interest margin | 3.4716% | 4,618 |
| Noninterest income to average assets | 0.3273% | 5,116 |
| Noninterest expense to average assets | 2.6421% | 4,595 |
| Loan and lease loss provision to assets | 0.2824% | 2,393 |
| Net operating income to assets | 0.5622% | 4,419 |
| Return on assets (ROA) | 0.5704% | 4,634 |
| Pretax return on assets | 0.6312% | 4,887 |
| Return on Equity (ROE) | 5.7320% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.6022% | 3,673 |
| Net charge-offs to loans | 1.0175% | 1,063 |
| Credit loss provision to net charge-offs | 40.8686% | 4,920 |
| Earnings coverage of net charge-offs (x) | 1.3089% | 4,812 |
| Efficiency ratio | 74.4704% | 2,994 |
| Assets per employee ($millions) | 3.6224% | 4,728 |
| Cash dividends to net income (ytd only)* | 37.1569% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6846% | 938 |
| Loan loss allowance to noncurrent loans | 32.6429% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 8.1079% | 332 |
| Noncurrent loans to loans | 8.2241% | 345 |
| Net loans and leases to total assets | 62.7540% | 3,104 |
| Net loans and leases to deposits | 72.2469% | 3,371 |
| Net loans and leases to core deposits | 76.3871% | 3,479 |
| Total domestic deposits to total assets | 86.8605% | 2,903 |
| Equity capital to assets | 10.3316% | 3,715 |
| Core capital (leverage) ratio | 9.9262% | 3,507 |
| Tier 1 risk-based capital ratio | 15.0704% | 3,683 |
| Total risk-based capital ratio | 16.3376% | 3,621 |
| Memoranda: | ||
| Average total assets | $536,439,200 | 1,244 |
| Average earning assets | $497,439,200 | 1,223 |
| Average equity | $53,384,400 | 1,333 |
| Average total loans | $364,330,800 | 1,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 4,179 |
| Cost of funding earning assets | 0.8242% | 2,743 |
| Net interest margin | 3.5429% | 4,476 |
| Noninterest income to average assets | 0.2742% | 5,589 |
| Noninterest expense to average assets | 2.5715% | 4,839 |
| Loan and lease loss provision to assets | 0.3251% | 2,019 |
| Net operating income to assets | 0.6115% | 4,341 |
| Return on assets (ROA) | 0.6221% | 4,542 |
| Pretax return on assets | 0.6711% | 4,953 |
| Return on Equity (ROE) | 6.3099% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.3099% | 2,478 |
| Net charge-offs to loans | 1.1677% | 855 |
| Credit loss provision to net charge-offs | 40.4989% | 4,607 |
| Earnings coverage of net charge-offs (x) | 1.2267% | 4,679 |
| Efficiency ratio | 72.2798% | 3,270 |
| Assets per employee ($millions) | 3.7475% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 957 |
| Loan loss allowance to noncurrent loans | 34.7605% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 8.1111% | 377 |
| Noncurrent loans to loans | 7.8451% | 412 |
| Net loans and leases to total assets | 62.2565% | 3,340 |
| Net loans and leases to deposits | 72.2105% | 3,580 |
| Net loans and leases to core deposits | 76.7329% | 3,637 |
| Total domestic deposits to total assets | 86.2154% | 3,139 |
| Equity capital to assets | 10.2945% | 4,087 |
| Core capital (leverage) ratio | 10.0737% | 3,440 |
| Tier 1 risk-based capital ratio | 15.2338% | 3,686 |
| Total risk-based capital ratio | 16.5008% | 3,625 |
| Memoranda: | ||
| Average total assets | $539,235,500 | 1,251 |
| Average earning assets | $499,542,500 | 1,228 |
| Average equity | $53,163,750 | 1,348 |
| Average total loans | $370,735,750 | 1,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 4,166 |
| Cost of funding earning assets | 0.8471% | 2,818 |
| Net interest margin | 3.5591% | 4,419 |
| Noninterest income to average assets | 0.1318% | 6,527 |
| Noninterest expense to average assets | 2.5683% | 4,890 |
| Loan and lease loss provision to assets | 0.4867% | 1,304 |
| Net operating income to assets | 0.3221% | 5,532 |
| Return on assets (ROA) | 0.3379% | 5,691 |
| Pretax return on assets | 0.3868% | 5,738 |
| Return on Equity (ROE) | 3.4784% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.4784% | 4,279 |
| Net charge-offs to loans | 1.3637% | 758 |
| Credit loss provision to net charge-offs | 50.7526% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.8919% | 4,599 |
| Efficiency ratio | 74.9946% | 2,894 |
| Assets per employee ($millions) | 3.6671% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7699% | 972 |
| Loan loss allowance to noncurrent loans | 34.4971% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 9.2895% | 310 |
| Noncurrent loans to loans | 8.0295% | 430 |
| Net loans and leases to total assets | 65.1756% | 2,816 |
| Net loans and leases to deposits | 74.9671% | 3,132 |
| Net loans and leases to core deposits | 80.3123% | 3,176 |
| Total domestic deposits to total assets | 86.9389% | 2,809 |
| Equity capital to assets | 9.8114% | 4,604 |
| Core capital (leverage) ratio | 9.6580% | 3,910 |
| Tier 1 risk-based capital ratio | 13.9037% | 4,520 |
| Total risk-based capital ratio | 15.1710% | 4,482 |
| Memoranda: | ||
| Average total assets | $540,352,000 | 1,252 |
| Average earning assets | $499,794,330 | 1,232 |
| Average equity | $52,496,000 | 1,357 |
| Average total loans | $379,988,670 | 1,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 4,164 |
| Cost of funding earning assets | 0.8718% | 2,902 |
| Net interest margin | 3.5676% | 4,405 |
| Noninterest income to average assets | 0.5878% | 3,312 |
| Noninterest expense to average assets | 2.5368% | 5,032 |
| Loan and lease loss provision to assets | 0.5545% | 1,056 |
| Net operating income to assets | 0.7549% | 3,600 |
| Return on assets (ROA) | 0.7549% | 3,839 |
| Pretax return on assets | 0.8037% | 4,401 |
| Return on Equity (ROE) | 7.8089% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.8089% | 2,049 |
| Net charge-offs to loans | 1.0038% | 1,033 |
| Credit loss provision to net charge-offs | 76.7656% | 2,786 |
| Earnings coverage of net charge-offs (x) | 1.8802% | 3,393 |
| Efficiency ratio | 65.1101% | 4,718 |
| Assets per employee ($millions) | 3.7469% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8818% | 926 |
| Loan loss allowance to noncurrent loans | 31.7139% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 9.8859% | 308 |
| Noncurrent loans to loans | 9.0869% | 367 |
| Net loans and leases to total assets | 68.1219% | 2,092 |
| Net loans and leases to deposits | 78.0617% | 2,495 |
| Net loans and leases to core deposits | 83.7228% | 2,581 |
| Total domestic deposits to total assets | 87.2668% | 2,790 |
| Equity capital to assets | 9.6368% | 4,603 |
| Core capital (leverage) ratio | 9.6703% | 3,812 |
| Tier 1 risk-based capital ratio | 13.4268% | 4,878 |
| Total risk-based capital ratio | 14.6965% | 4,859 |
| Memoranda: | ||
| Average total assets | $540,998,500 | 1,253 |
| Average earning assets | $501,517,500 | 1,227 |
| Average equity | $52,299,500 | 1,350 |
| Average total loans | $389,311,000 | 1,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 3,476 |
| Cost of funding earning assets | 1.1535% | 2,330 |
| Net interest margin | 3.7211% | 4,203 |
| Noninterest income to average assets | 0.1415% | 6,441 |
| Noninterest expense to average assets | 2.5253% | 5,377 |
| Loan and lease loss provision to assets | 1.3636% | 580 |
| Net operating income to assets | -0.2865% | 6,334 |
| Return on assets (ROA) | -0.2834% | 6,386 |
| Pretax return on assets | -0.2863% | 6,346 |
| Return on Equity (ROE) | -2.9570% | 6,406 |
| Retained earnings to average equity (ytd only) | -2.9570% | 6,267 |
| Net charge-offs to loans | 1.7161% | 884 |
| Credit loss provision to net charge-offs | 105.0049% | 3,261 |
| Earnings coverage of net charge-offs (x) | 0.8272% | 5,179 |
| Efficiency ratio | 70.1272% | 3,922 |
| Assets per employee ($millions) | 3.7149% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8577% | 923 |
| Loan loss allowance to noncurrent loans | 30.0893% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 10.4203% | 299 |
| Noncurrent loans to loans | 9.4973% | 352 |
| Net loans and leases to total assets | 71.7114% | 1,694 |
| Net loans and leases to deposits | 82.6238% | 2,117 |
| Net loans and leases to core deposits | 88.7239% | 2,294 |
| Total domestic deposits to total assets | 86.7927% | 2,882 |
| Equity capital to assets | 9.6983% | 4,596 |
| Core capital (leverage) ratio | 9.4103% | 4,168 |
| Tier 1 risk-based capital ratio | 12.9668% | 5,096 |
| Total risk-based capital ratio | 14.2373% | 5,058 |
| Memoranda: | ||
| Average total assets | $546,192,800 | 1,210 |
| Average earning assets | $507,567,200 | 1,192 |
| Average equity | $52,350,200 | 1,299 |
| Average total loans | $413,310,800 | 1,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 3,543 |
| Cost of funding earning assets | 1.2028% | 2,300 |
| Net interest margin | 3.6991% | 4,337 |
| Noninterest income to average assets | 0.0993% | 6,753 |
| Noninterest expense to average assets | 2.5129% | 5,422 |
| Loan and lease loss provision to assets | 1.2461% | 616 |
| Net operating income to assets | -0.2640% | 6,450 |
| Return on assets (ROA) | -0.2720% | 6,524 |
| Pretax return on assets | -0.2280% | 6,435 |
| Return on Equity (ROE) | -2.8461% | 6,547 |
| Retained earnings to average equity (ytd only) | -2.8461% | 6,400 |
| Net charge-offs to loans | 1.4717% | 994 |
| Credit loss provision to net charge-offs | 111.2291% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.9159% | 4,936 |
| Efficiency ratio | 70.9717% | 3,743 |
| Assets per employee ($millions) | 3.7877% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8320% | 1,004 |
| Loan loss allowance to noncurrent loans | 37.7199% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 9.0135% | 445 |
| Noncurrent loans to loans | 7.5080% | 627 |
| Net loans and leases to total assets | 72.0148% | 1,700 |
| Net loans and leases to deposits | 83.5485% | 2,080 |
| Net loans and leases to core deposits | 89.6406% | 2,300 |
| Total domestic deposits to total assets | 86.1952% | 3,092 |
| Equity capital to assets | 9.6132% | 4,915 |
| Core capital (leverage) ratio | 9.4296% | 4,254 |
| Tier 1 risk-based capital ratio | 12.8246% | 5,225 |
| Total risk-based capital ratio | 14.0950% | 5,185 |
| Memoranda: | ||
| Average total assets | $549,004,250 | 1,211 |
| Average earning assets | $510,483,000 | 1,184 |
| Average equity | $52,467,500 | 1,296 |
| Average total loans | $417,912,750 | 1,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 3,552 |
| Cost of funding earning assets | 1.2559% | 2,217 |
| Net interest margin | 3.6589% | 4,478 |
| Noninterest income to average assets | 0.0956% | 6,850 |
| Noninterest expense to average assets | 2.5067% | 5,511 |
| Loan and lease loss provision to assets | 1.2287% | 626 |
| Net operating income to assets | -0.2759% | 6,540 |
| Return on assets (ROA) | -0.2759% | 6,569 |
| Pretax return on assets | -0.2341% | 6,484 |
| Return on Equity (ROE) | -2.8926% | 6,584 |
| Retained earnings to average equity (ytd only) | -2.8926% | 6,363 |
| Net charge-offs to loans | 0.9222% | 1,686 |
| Credit loss provision to net charge-offs | 173.5113% | 1,740 |
| Earnings coverage of net charge-offs (x) | 1.4045% | 4,229 |
| Efficiency ratio | 71.5635% | 3,820 |
| Assets per employee ($millions) | 3.7761% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0047% | 895 |
| Loan loss allowance to noncurrent loans | 43.8400% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 8.3509% | 529 |
| Noncurrent loans to loans | 6.8539% | 767 |
| Net loans and leases to total assets | 73.3874% | 1,520 |
| Net loans and leases to deposits | 85.7001% | 1,829 |
| Net loans and leases to core deposits | 92.7099% | 2,053 |
| Total domestic deposits to total assets | 85.6327% | 3,535 |
| Equity capital to assets | 9.7095% | 4,526 |
| Core capital (leverage) ratio | 9.3885% | 4,130 |
| Tier 1 risk-based capital ratio | 13.0248% | 4,896 |
| Total risk-based capital ratio | 14.2982% | 4,863 |
| Memoranda: | ||
| Average total assets | $550,196,670 | 1,217 |
| Average earning assets | $512,124,330 | 1,190 |
| Average equity | $52,479,000 | 1,282 |
| Average total loans | $422,471,670 | 1,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 3,496 |
| Cost of funding earning assets | 1.2860% | 2,267 |
| Net interest margin | 3.6325% | 4,413 |
| Noninterest income to average assets | 0.0983% | 6,925 |
| Noninterest expense to average assets | 2.5926% | 5,256 |
| Loan and lease loss provision to assets | 1.7925% | 323 |
| Net operating income to assets | -0.9172% | 7,017 |
| Return on assets (ROA) | -0.9172% | 7,016 |
| Pretax return on assets | -0.8999% | 6,962 |
| Return on Equity (ROE) | -9.7018% | 7,022 |
| Retained earnings to average equity (ytd only) | -9.7018% | 6,855 |
| Net charge-offs to loans | 1.2888% | 1,075 |
| Credit loss provision to net charge-offs | 179.8405% | 1,627 |
| Earnings coverage of net charge-offs (x) | 0.8956% | 3,974 |
| Efficiency ratio | 74.3675% | 3,454 |
| Assets per employee ($millions) | 3.8715% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8248% | 1,086 |
| Loan loss allowance to noncurrent loans | 39.1405% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 8.1459% | 576 |
| Noncurrent loans to loans | 7.2172% | 744 |
| Net loans and leases to total assets | 74.2371% | 1,313 |
| Net loans and leases to deposits | 86.3814% | 1,668 |
| Net loans and leases to core deposits | 93.5542% | 1,948 |
| Total domestic deposits to total assets | 85.9410% | 3,551 |
| Equity capital to assets | 9.2801% | 4,764 |
| Core capital (leverage) ratio | 9.2444% | 4,220 |
| Tier 1 risk-based capital ratio | 12.6019% | 5,164 |
| Total risk-based capital ratio | 13.8735% | 5,123 |
| Memoranda: | ||
| Average total assets | $553,413,000 | 1,220 |
| Average earning assets | $516,004,500 | 1,192 |
| Average equity | $52,320,000 | 1,277 |
| Average total loans | $427,999,500 | 1,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 3,128 |
| Cost of funding earning assets | 1.6386% | 1,872 |
| Net interest margin | 3.6618% | 4,525 |
| Noninterest income to average assets | 0.5240% | 3,995 |
| Noninterest expense to average assets | 2.4786% | 5,865 |
| Loan and lease loss provision to assets | 1.5104% | 979 |
| Net operating income to assets | -0.0329% | 5,899 |
| Return on assets (ROA) | 0.0089% | 5,947 |
| Pretax return on assets | 0.0273% | 5,843 |
| Return on Equity (ROE) | 0.1011% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.1011% | 5,535 |
| Net charge-offs to loans | 1.3099% | 1,705 |
| Credit loss provision to net charge-offs | 143.2603% | 2,606 |
| Earnings coverage of net charge-offs (x) | 1.3966% | 4,716 |
| Efficiency ratio | 62.6977% | 5,583 |
| Assets per employee ($millions) | 3.8148% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5413% | 1,365 |
| Loan loss allowance to noncurrent loans | 38.7850% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 7.7631% | 655 |
| Noncurrent loans to loans | 6.5522% | 908 |
| Net loans and leases to total assets | 76.3055% | 1,222 |
| Net loans and leases to deposits | 88.6076% | 1,705 |
| Net loans and leases to core deposits | 96.4527% | 1,947 |
| Total domestic deposits to total assets | 86.1162% | 3,299 |
| Equity capital to assets | 9.6306% | 4,234 |
| Core capital (leverage) ratio | 9.4502% | 3,767 |
| Tier 1 risk-based capital ratio | 12.8678% | 4,714 |
| Total risk-based capital ratio | 14.1358% | 4,665 |
| Memoranda: | ||
| Average total assets | $571,368,600 | 1,176 |
| Average earning assets | $534,730,400 | 1,142 |
| Average equity | $50,441,200 | 1,320 |
| Average total loans | $459,865,400 | 981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 3,195 |
| Cost of funding earning assets | 1.7096% | 1,824 |
| Net interest margin | 3.6245% | 4,753 |
| Noninterest income to average assets | 0.4657% | 4,443 |
| Noninterest expense to average assets | 2.4129% | 5,990 |
| Loan and lease loss provision to assets | 1.5786% | 825 |
| Net operating income to assets | -0.1310% | 6,220 |
| Return on assets (ROA) | -0.0448% | 6,200 |
| Pretax return on assets | -0.0448% | 6,160 |
| Return on Equity (ROE) | -0.5191% | 6,220 |
| Retained earnings to average equity (ytd only) | -0.5191% | 5,924 |
| Net charge-offs to loans | 1.3478% | 1,506 |
| Credit loss provision to net charge-offs | 144.5809% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.3258% | 4,752 |
| Efficiency ratio | 62.4678% | 5,529 |
| Assets per employee ($millions) | 3.8447% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 1,574 |
| Loan loss allowance to noncurrent loans | 59.8943% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 5.0945% | 1,258 |
| Noncurrent loans to loans | 3.8919% | 1,951 |
| Net loans and leases to total assets | 78.3899% | 970 |
| Net loans and leases to deposits | 91.9384% | 1,457 |
| Net loans and leases to core deposits | 100.0944% | 1,839 |
| Total domestic deposits to total assets | 85.2635% | 3,485 |
| Equity capital to assets | 9.5062% | 4,829 |
| Core capital (leverage) ratio | 9.4131% | 4,038 |
| Tier 1 risk-based capital ratio | 12.4890% | 4,992 |
| Total risk-based capital ratio | 13.7547% | 4,952 |
| Memoranda: | ||
| Average total assets | $576,878,000 | 1,178 |
| Average earning assets | $540,313,000 | 1,139 |
| Average equity | $49,825,500 | 1,347 |
| Average total loans | $467,306,750 | 971 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 3,550 |
| Cost of funding earning assets | 1.8086% | 1,612 |
| Net interest margin | 3.4740% | 5,347 |
| Noninterest income to average assets | 0.4080% | 4,843 |
| Noninterest expense to average assets | 2.3941% | 6,080 |
| Loan and lease loss provision to assets | 1.9543% | 628 |
| Net operating income to assets | -0.6884% | 6,802 |
| Return on assets (ROA) | -0.6134% | 6,778 |
| Pretax return on assets | -0.6134% | 6,669 |
| Return on Equity (ROE) | -7.3366% | 6,858 |
| Retained earnings to average equity (ytd only) | -7.3366% | 6,768 |
| Net charge-offs to loans | 1.6994% | 1,101 |
| Credit loss provision to net charge-offs | 141.5446% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.9168% | 4,855 |
| Efficiency ratio | 65.3770% | 5,086 |
| Assets per employee ($millions) | 3.8342% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,784 |
| Loan loss allowance to noncurrent loans | 42.7478% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 5.4389% | 1,139 |
| Noncurrent loans to loans | 5.1189% | 1,340 |
| Net loans and leases to total assets | 80.3765% | 744 |
| Net loans and leases to deposits | 93.3535% | 1,360 |
| Net loans and leases to core deposits | 101.8141% | 1,844 |
| Total domestic deposits to total assets | 86.0991% | 3,030 |
| Equity capital to assets | 8.5779% | 6,047 |
| Core capital (leverage) ratio | 8.3347% | 5,697 |
| Tier 1 risk-based capital ratio | 11.0170% | 6,222 |
| Total risk-based capital ratio | 12.2807% | 6,196 |
| Memoranda: | ||
| Average total assets | $583,343,670 | 1,164 |
| Average earning assets | $546,053,000 | 1,119 |
| Average equity | $48,769,000 | 1,374 |
| Average total loans | $473,929,330 | 970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 3,722 |
| Cost of funding earning assets | 1.8982% | 1,453 |
| Net interest margin | 3.3631% | 5,742 |
| Noninterest income to average assets | 0.5554% | 3,608 |
| Noninterest expense to average assets | 2.3067% | 6,354 |
| Loan and lease loss provision to assets | 1.3399% | 895 |
| Net operating income to assets | 0.0435% | 6,180 |
| Return on assets (ROA) | 0.1903% | 5,843 |
| Pretax return on assets | 0.1903% | 5,898 |
| Return on Equity (ROE) | 2.3038% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,755 |
| Net charge-offs to loans | 1.1590% | 1,453 |
| Credit loss provision to net charge-offs | 143.0615% | 2,485 |
| Earnings coverage of net charge-offs (x) | 1.4771% | 3,850 |
| Efficiency ratio | 62.4728% | 5,739 |
| Assets per employee ($millions) | 4.1564% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 2,525 |
| Loan loss allowance to noncurrent loans | 40.0287% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 4.6529% | 1,427 |
| Noncurrent loans to loans | 4.6790% | 1,584 |
| Net loans and leases to total assets | 78.1332% | 1,126 |
| Net loans and leases to deposits | 90.8128% | 1,782 |
| Net loans and leases to core deposits | 99.6091% | 2,168 |
| Total domestic deposits to total assets | 86.0377% | 3,139 |
| Equity capital to assets | 8.2556% | 6,361 |
| Core capital (leverage) ratio | 8.1467% | 5,998 |
| Tier 1 risk-based capital ratio | 10.9654% | 6,195 |
| Total risk-based capital ratio | 12.2248% | 6,151 |
| Memoranda: | ||
| Average total assets | $597,038,000 | 1,159 |
| Average earning assets | $556,515,500 | 1,121 |
| Average equity | $49,309,000 | 1,360 |
| Average total loans | $482,467,000 | 975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 2,705 |
| Cost of funding earning assets | 2.3000% | 1,658 |
| Net interest margin | 3.4883% | 5,011 |
| Noninterest income to average assets | 0.7250% | 2,820 |
| Noninterest expense to average assets | 2.3405% | 6,629 |
| Loan and lease loss provision to assets | 2.2131% | 940 |
| Net operating income to assets | -0.5210% | 6,206 |
| Return on assets (ROA) | -0.4721% | 6,145 |
| Pretax return on assets | -0.5064% | 6,015 |
| Return on Equity (ROE) | -5.3353% | 6,242 |
| Retained earnings to average equity (ytd only) | -7.7746% | 6,325 |
| Net charge-offs to loans | 2.1505% | 1,124 |
| Credit loss provision to net charge-offs | 124.3659% | 4,222 |
| Earnings coverage of net charge-offs (x) | 0.9295% | 5,182 |
| Efficiency ratio | 58.5925% | 6,682 |
| Assets per employee ($millions) | 4.1073% | 3,600 |
| Cash dividends to net income (ytd only)* | -45.7214% | 7,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 2,807 |
| Loan loss allowance to noncurrent loans | 42.3042% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 4.0925% | 1,614 |
| Noncurrent loans to loans | 4.0789% | 1,811 |
| Net loans and leases to total assets | 80.5866% | 901 |
| Net loans and leases to deposits | 93.0794% | 1,726 |
| Net loans and leases to core deposits | 134.9808% | 1,003 |
| Total domestic deposits to total assets | 86.5783% | 2,718 |
| Equity capital to assets | 8.2623% | 6,260 |
| Core capital (leverage) ratio | 8.1213% | 5,956 |
| Tier 1 risk-based capital ratio | 10.5249% | 6,372 |
| Total risk-based capital ratio | 11.7839% | 6,341 |
| Memoranda: | ||
| Average total assets | $591,570,800 | 1,168 |
| Average earning assets | $554,487,200 | 1,134 |
| Average equity | $52,349,800 | 1,267 |
| Average total loans | $489,519,200 | 987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8635% | 2,611 |
| Cost of funding earning assets | 2.3421% | 1,839 |
| Net interest margin | 3.5214% | 4,779 |
| Noninterest income to average assets | 0.7811% | 2,539 |
| Noninterest expense to average assets | 2.3445% | 6,577 |
| Loan and lease loss provision to assets | 2.2637% | 755 |
| Net operating income to assets | -0.5840% | 6,514 |
| Return on assets (ROA) | -0.5452% | 6,470 |
| Pretax return on assets | -0.4727% | 6,265 |
| Return on Equity (ROE) | -6.0598% | 6,562 |
| Retained earnings to average equity (ytd only) | -9.2641% | 6,730 |
| Net charge-offs to loans | 2.0122% | 974 |
| Credit loss provision to net charge-offs | 135.6466% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.0499% | 5,007 |
| Efficiency ratio | 57.2302% | 6,839 |
| Assets per employee ($millions) | 3.9972% | 3,737 |
| Cash dividends to net income (ytd only)* | -52.8777% | 7,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,532 |
| Loan loss allowance to noncurrent loans | 53.2727% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 3.2760% | 2,066 |
| Noncurrent loans to loans | 3.2399% | 2,336 |
| Net loans and leases to total assets | 81.2332% | 942 |
| Net loans and leases to deposits | 94.8790% | 1,736 |
| Net loans and leases to core deposits | 135.7944% | 1,113 |
| Total domestic deposits to total assets | 85.6177% | 2,909 |
| Equity capital to assets | 8.3685% | 6,419 |
| Core capital (leverage) ratio | 8.1374% | 6,125 |
| Tier 1 risk-based capital ratio | 10.1486% | 6,833 |
| Total risk-based capital ratio | 11.4068% | 6,764 |
| Memoranda: | ||
| Average total assets | $590,575,500 | 1,181 |
| Average earning assets | $556,057,250 | 1,147 |
| Average equity | $53,135,750 | 1,260 |
| Average total loans | $489,808,500 | 1,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9063% | 2,556 |
| Cost of funding earning assets | 2.3732% | 2,066 |
| Net interest margin | 3.5331% | 4,644 |
| Noninterest income to average assets | 0.6419% | 3,401 |
| Noninterest expense to average assets | 2.3450% | 6,633 |
| Loan and lease loss provision to assets | 0.7274% | 2,252 |
| Net operating income to assets | 0.8111% | 2,813 |
| Return on assets (ROA) | 0.7770% | 3,048 |
| Pretax return on assets | 0.8480% | 3,518 |
| Return on Equity (ROE) | 8.4375% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.7283% | 3,219 |
| Net charge-offs to loans | 0.7285% | 2,229 |
| Credit loss provision to net charge-offs | 120.2695% | 3,858 |
| Earnings coverage of net charge-offs (x) | 2.6659% | 3,744 |
| Efficiency ratio | 59.2551% | 6,657 |
| Assets per employee ($millions) | 3.9928% | 3,692 |
| Cash dividends to net income (ytd only)* | 55.8129% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 4,506 |
| Loan loss allowance to noncurrent loans | 53.1653% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.5299% | 2,547 |
| Noncurrent loans to loans | 2.3789% | 3,035 |
| Net loans and leases to total assets | 82.2122% | 921 |
| Net loans and leases to deposits | 96.5756% | 1,715 |
| Net loans and leases to core deposits | 132.0824% | 1,431 |
| Total domestic deposits to total assets | 85.1273% | 3,204 |
| Equity capital to assets | 9.2336% | 4,959 |
| Core capital (leverage) ratio | 8.9591% | 4,700 |
| Tier 1 risk-based capital ratio | 11.0438% | 5,835 |
| Total risk-based capital ratio | 12.2942% | 5,749 |
| Memoranda: | ||
| Average total assets | $588,908,000 | 1,209 |
| Average earning assets | $552,665,000 | 1,172 |
| Average equity | $54,234,000 | 1,235 |
| Average total loans | $488,976,670 | 1,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9383% | 2,610 |
| Cost of funding earning assets | 2.4051% | 2,271 |
| Net interest margin | 3.5332% | 4,600 |
| Noninterest income to average assets | 0.6443% | 3,234 |
| Noninterest expense to average assets | 2.2262% | 6,779 |
| Loan and lease loss provision to assets | 0.7144% | 1,792 |
| Net operating income to assets | 0.9485% | 2,521 |
| Return on assets (ROA) | 0.9485% | 2,650 |
| Pretax return on assets | 1.0151% | 3,290 |
| Return on Equity (ROE) | 10.3127% | 2,192 |
| Retained earnings to average equity (ytd only) | 5.2525% | 2,992 |
| Net charge-offs to loans | 0.7796% | 1,650 |
| Credit loss provision to net charge-offs | 110.5263% | 3,488 |
| Earnings coverage of net charge-offs (x) | 2.6758% | 3,419 |
| Efficiency ratio | 56.2779% | 6,931 |
| Assets per employee ($millions) | 3.9837% | 3,694 |
| Cash dividends to net income (ytd only)* | 49.0674% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 4,644 |
| Loan loss allowance to noncurrent loans | 40.5910% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 2.7719% | 2,043 |
| Noncurrent loans to loans | 3.0124% | 2,168 |
| Net loans and leases to total assets | 80.0645% | 1,377 |
| Net loans and leases to deposits | 93.7302% | 2,316 |
| Net loans and leases to core deposits | 125.1917% | 1,978 |
| Total domestic deposits to total assets | 85.4201% | 3,006 |
| Equity capital to assets | 9.0404% | 5,307 |
| Core capital (leverage) ratio | 9.1006% | 4,556 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,719 |
| Total risk-based capital ratio | 12.4271% | 5,641 |
| Memoranda: | ||
| Average total assets | $587,898,000 | 1,214 |
| Average earning assets | $550,996,500 | 1,181 |
| Average equity | $54,069,000 | 1,250 |
| Average total loans | $487,446,000 | 1,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6936% | 2,046 |
| Cost of funding earning assets | 2.9333% | 2,131 |
| Net interest margin | 3.7603% | 4,178 |
| Noninterest income to average assets | 0.7705% | 2,668 |
| Noninterest expense to average assets | 2.4276% | 6,306 |
| Loan and lease loss provision to assets | 0.5625% | 2,569 |
| Net operating income to assets | 1.2449% | 1,641 |
| Return on assets (ROA) | 1.2466% | 1,579 |
| Pretax return on assets | 1.3425% | 2,159 |
| Return on Equity (ROE) | 13.3809% | 1,245 |
| Retained earnings to average equity (ytd only) | 6.4557% | 1,348 |
| Net charge-offs to loans | 0.4676% | 2,491 |
| Credit loss provision to net charge-offs | 147.6301% | 3,575 |
| Earnings coverage of net charge-offs (x) | 4.9954% | 3,793 |
| Efficiency ratio | 56.0543% | 7,000 |
| Assets per employee ($millions) | 4.2225% | 3,077 |
| Cash dividends to net income (ytd only)* | 51.7540% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 4,510 |
| Loan loss allowance to noncurrent loans | 37.6784% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 2.8501% | 1,645 |
| Noncurrent loans to loans | 3.1926% | 1,648 |
| Net loans and leases to total assets | 83.8386% | 910 |
| Net loans and leases to deposits | 100.6613% | 1,762 |
| Net loans and leases to core deposits | 135.6966% | 1,509 |
| Total domestic deposits to total assets | 83.2878% | 3,658 |
| Equity capital to assets | 9.3611% | 4,867 |
| Core capital (leverage) ratio | 9.2068% | 4,429 |
| Tier 1 risk-based capital ratio | 11.3336% | 5,404 |
| Total risk-based capital ratio | 12.5837% | 5,310 |
| Memoranda: | ||
| Average total assets | $564,833,600 | 1,195 |
| Average earning assets | $534,798,000 | 1,153 |
| Average equity | $52,619,800 | 1,281 |
| Average total loans | $460,226,000 | 1,051 |