Home > American Trust Bank of East Tennessee > Performance and Condition Ratios
American Trust Bank of East Tennessee, 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 | 4.4071% | 1,843 |
| Cost of funding earning assets | 0.5503% | 1,687 |
| Net interest margin | 3.8568% | 2,134 |
| Noninterest income to average assets | 0.2996% | 4,624 |
| Noninterest expense to average assets | 2.9517% | 2,455 |
| Loan and lease loss provision to assets | -0.9798% | 5,969 |
| Net operating income to assets | 1.2916% | 1,317 |
| Return on assets (ROA) | 1.3004% | 1,389 |
| Pretax return on assets | 1.9681% | 620 |
| Return on Equity (ROE) | 10.1240% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.1240% | 553 |
| Net charge-offs to loans | -1.6696% | 5,931 |
| Credit loss provision to net charge-offs | 82.2027% | 2,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1696% | 2,080 |
| Assets per employee ($millions) | 4.1774% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.3226% | 3,233 |
| Net loans and leases to deposits | 79.0019% | 3,080 |
| Net loans and leases to core deposits | 83.1323% | 3,205 |
| Total domestic deposits to total assets | 82.6849% | 3,716 |
| Equity capital to assets | 13.0992% | 1,445 |
| Core capital (leverage) ratio | 13.0750% | 1,163 |
| Tier 1 risk-based capital ratio | 18.7805% | 1,718 |
| Total risk-based capital ratio | 20.0322% | 1,684 |
| Memoranda: | ||
| Average total assets | $140,163,750 | 3,691 |
| Average earning assets | $131,815,000 | 3,642 |
| Average equity | $18,003,000 | 3,433 |
| Average total loans | $100,060,250 | 3,395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,527 |
| Cost of funding earning assets | 0.5450% | 1,737 |
| Net interest margin | 3.9502% | 1,801 |
| Noninterest income to average assets | 0.2838% | 4,755 |
| Noninterest expense to average assets | 2.9683% | 2,452 |
| Loan and lease loss provision to assets | -1.5408% | 6,051 |
| Net operating income to assets | 1.6753% | 608 |
| Return on assets (ROA) | 1.6884% | 630 |
| Pretax return on assets | 2.5957% | 193 |
| Return on Equity (ROE) | 13.2342% | 971 |
| Retained earnings to average equity (ytd only) | 13.2342% | 224 |
| Net charge-offs to loans | -2.4581% | 6,011 |
| Credit loss provision to net charge-offs | 85.7257% | 2,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1497% | 2,335 |
| Assets per employee ($millions) | 3.9980% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.4707% | 2,407 |
| Net loans and leases to deposits | 85.8298% | 2,266 |
| Net loans and leases to core deposits | 89.8848% | 2,543 |
| Total domestic deposits to total assets | 82.1052% | 3,974 |
| Equity capital to assets | 13.1938% | 1,395 |
| Core capital (leverage) ratio | 12.9541% | 1,164 |
| Tier 1 risk-based capital ratio | 17.7363% | 2,002 |
| Total risk-based capital ratio | 18.9874% | 1,961 |
| Memoranda: | ||
| Average total assets | $139,541,000 | 3,730 |
| Average earning assets | $131,386,000 | 3,668 |
| Average equity | $17,802,330 | 3,469 |
| Average total loans | $102,028,330 | 3,368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 1,723 |
| Cost of funding earning assets | 0.5399% | 1,795 |
| Net interest margin | 3.8859% | 1,977 |
| Noninterest income to average assets | 0.1808% | 5,416 |
| Noninterest expense to average assets | 2.9796% | 2,457 |
| Loan and lease loss provision to assets | -2.1673% | 6,116 |
| Net operating income to assets | 1.9501% | 366 |
| Return on assets (ROA) | 1.9520% | 384 |
| Pretax return on assets | 3.0284% | 129 |
| Return on Equity (ROE) | 15.5673% | 593 |
| Retained earnings to average equity (ytd only) | 15.5673% | 215 |
| Net charge-offs to loans | -2.8873% | 6,070 |
| Credit loss provision to net charge-offs | 101.4785% | 1,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6365% | 1,953 |
| Assets per employee ($millions) | 3.9174% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 4,043 |
| Loan loss allowance to noncurrent loans | 41.4581% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 906 |
| Noncurrent loans to loans | 2.6542% | 679 |
| Net loans and leases to total assets | 72.8467% | 1,899 |
| Net loans and leases to deposits | 87.7819% | 1,856 |
| Net loans and leases to core deposits | 91.6464% | 2,219 |
| Total domestic deposits to total assets | 82.9860% | 3,901 |
| Equity capital to assets | 12.6403% | 1,590 |
| Core capital (leverage) ratio | 12.7422% | 1,255 |
| Tier 1 risk-based capital ratio | 15.9419% | 2,708 |
| Total risk-based capital ratio | 16.9888% | 2,745 |
| Memoranda: | ||
| Average total assets | $139,347,000 | 3,762 |
| Average earning assets | $131,141,500 | 3,696 |
| Average equity | $17,472,500 | 3,516 |
| Average total loans | $103,071,500 | 3,370 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,016 |
| Cost of funding earning assets | 0.5259% | 1,953 |
| Net interest margin | 4.2203% | 1,125 |
| Noninterest income to average assets | 0.3953% | 4,062 |
| Noninterest expense to average assets | 3.2076% | 1,952 |
| Loan and lease loss provision to assets | 0.1393% | 1,700 |
| Net operating income to assets | 0.7040% | 3,787 |
| Return on assets (ROA) | 0.7040% | 3,897 |
| Pretax return on assets | 1.0384% | 3,315 |
| Return on Equity (ROE) | 5.7166% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,617 |
| Net charge-offs to loans | 0.1664% | 1,702 |
| Credit loss provision to net charge-offs | 110.4651% | 2,285 |
| Earnings coverage of net charge-offs (x) | 9.3372% | 2,832 |
| Efficiency ratio | 73.1438% | 2,722 |
| Assets per employee ($millions) | 3.8241% | 4,247 |
| Cash dividends to net income (ytd only)* | 40.1042% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 3,875 |
| Loan loss allowance to noncurrent loans | 38.9339% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 774 |
| Noncurrent loans to loans | 2.8983% | 572 |
| Net loans and leases to total assets | 73.4472% | 1,816 |
| Net loans and leases to deposits | 87.8786% | 1,891 |
| Net loans and leases to core deposits | 91.6510% | 2,258 |
| Total domestic deposits to total assets | 83.5780% | 3,645 |
| Equity capital to assets | 12.4349% | 1,653 |
| Core capital (leverage) ratio | 12.2878% | 1,458 |
| Tier 1 risk-based capital ratio | 15.6963% | 2,833 |
| Total risk-based capital ratio | 16.7786% | 2,853 |
| Memoranda: | ||
| Average total assets | $136,362,000 | 3,780 |
| Average earning assets | $128,924,600 | 3,722 |
| Average equity | $16,793,200 | 3,562 |
| Average total loans | $103,350,200 | 3,327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 936 |
| Cost of funding earning assets | 0.5196% | 2,045 |
| Net interest margin | 4.2791% | 1,003 |
| Noninterest income to average assets | 0.3646% | 4,322 |
| Noninterest expense to average assets | 3.0609% | 2,332 |
| Loan and lease loss provision to assets | 0.1421% | 1,558 |
| Net operating income to assets | 0.8086% | 3,392 |
| Return on assets (ROA) | 0.8086% | 3,491 |
| Pretax return on assets | 1.2134% | 2,762 |
| Return on Equity (ROE) | 6.5820% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,970 |
| Net charge-offs to loans | 0.2728% | 978 |
| Credit loss provision to net charge-offs | 68.3962% | 2,795 |
| Earnings coverage of net charge-offs (x) | 6.5236% | 3,038 |
| Efficiency ratio | 69.3076% | 3,328 |
| Assets per employee ($millions) | 3.9317% | 4,016 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 4,367 |
| Loan loss allowance to noncurrent loans | 80.3156% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 2,432 |
| Noncurrent loans to loans | 1.3365% | 1,915 |
| Net loans and leases to total assets | 71.5917% | 2,125 |
| Net loans and leases to deposits | 84.7452% | 2,312 |
| Net loans and leases to core deposits | 88.3577% | 2,628 |
| Total domestic deposits to total assets | 84.4787% | 3,229 |
| Equity capital to assets | 12.3028% | 1,872 |
| Core capital (leverage) ratio | 12.3947% | 1,467 |
| Tier 1 risk-based capital ratio | 16.5725% | 2,536 |
| Total risk-based capital ratio | 17.6407% | 2,576 |
| Memoranda: | ||
| Average total assets | $136,035,250 | 3,827 |
| Average earning assets | $128,809,000 | 3,758 |
| Average equity | $16,711,750 | 3,600 |
| Average total loans | $103,633,250 | 3,352 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 833 |
| Cost of funding earning assets | 0.5169% | 2,097 |
| Net interest margin | 4.3170% | 887 |
| Noninterest income to average assets | 0.3439% | 4,494 |
| Noninterest expense to average assets | 3.0596% | 2,366 |
| Loan and lease loss provision to assets | 0.1476% | 1,453 |
| Net operating income to assets | 0.8088% | 3,335 |
| Return on assets (ROA) | 0.8088% | 3,437 |
| Pretax return on assets | 1.2294% | 2,654 |
| Return on Equity (ROE) | 6.5869% | 3,837 |
| Retained earnings to average equity (ytd only) | 1.9593% | 4,719 |
| Net charge-offs to loans | 0.1105% | 1,893 |
| Credit loss provision to net charge-offs | 172.4138% | 1,389 |
| Earnings coverage of net charge-offs (x) | 16.0862% | 1,930 |
| Efficiency ratio | 68.9621% | 3,497 |
| Assets per employee ($millions) | 3.7259% | 4,372 |
| Cash dividends to net income (ytd only)* | 70.2555% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,150 |
| Loan loss allowance to noncurrent loans | 81.0736% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 2,346 |
| Noncurrent loans to loans | 1.4020% | 1,923 |
| Net loans and leases to total assets | 76.3878% | 1,317 |
| Net loans and leases to deposits | 90.2383% | 1,568 |
| Net loans and leases to core deposits | 93.8967% | 1,967 |
| Total domestic deposits to total assets | 84.6512% | 3,270 |
| Equity capital to assets | 12.3556% | 1,766 |
| Core capital (leverage) ratio | 12.2099% | 1,534 |
| Tier 1 risk-based capital ratio | 17.2936% | 2,288 |
| Total risk-based capital ratio | 18.5388% | 2,251 |
| Memoranda: | ||
| Average total assets | $135,510,000 | 3,868 |
| Average earning assets | $128,470,330 | 3,787 |
| Average equity | $16,639,000 | 3,619 |
| Average total loans | $104,982,000 | 3,345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 856 |
| Cost of funding earning assets | 0.5122% | 2,180 |
| Net interest margin | 4.2934% | 887 |
| Noninterest income to average assets | 0.3172% | 4,650 |
| Noninterest expense to average assets | 3.0661% | 2,378 |
| Loan and lease loss provision to assets | 0.2056% | 882 |
| Net operating income to assets | 0.7225% | 3,678 |
| Return on assets (ROA) | 0.7225% | 3,815 |
| Pretax return on assets | 1.1072% | 3,040 |
| Return on Equity (ROE) | 5.9021% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.9021% | 2,550 |
| Net charge-offs to loans | -0.0265% | 5,179 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0201% | 3,488 |
| Assets per employee ($millions) | 3.9125% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 4,310 |
| Loan loss allowance to noncurrent loans | 94.3969% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2049% | 2,224 |
| Noncurrent loans to loans | 1.2092% | 2,354 |
| Net loans and leases to total assets | 76.7174% | 1,099 |
| Net loans and leases to deposits | 91.1003% | 1,283 |
| Net loans and leases to core deposits | 94.9762% | 1,695 |
| Total domestic deposits to total assets | 84.2119% | 3,732 |
| Equity capital to assets | 12.2814% | 1,831 |
| Core capital (leverage) ratio | 12.3588% | 1,424 |
| Tier 1 risk-based capital ratio | 15.1592% | 3,345 |
| Total risk-based capital ratio | 16.2770% | 3,348 |
| Memoranda: | ||
| Average total assets | $136,198,000 | 3,876 |
| Average earning assets | $128,847,500 | 3,808 |
| Average equity | $16,672,000 | 3,631 |
| Average total loans | $105,653,000 | 3,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,144 |
| Cost of funding earning assets | 0.5213% | 2,478 |
| Net interest margin | 4.2634% | 1,136 |
| Noninterest income to average assets | 0.3828% | 4,317 |
| Noninterest expense to average assets | 3.1363% | 2,399 |
| Loan and lease loss provision to assets | -0.9881% | 6,490 |
| Net operating income to assets | 1.4243% | 1,034 |
| Return on assets (ROA) | 1.4009% | 1,110 |
| Pretax return on assets | 2.2148% | 306 |
| Return on Equity (ROE) | 12.1576% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.1576% | 285 |
| Net charge-offs to loans | 1.6673% | 137 |
| Credit loss provision to net charge-offs | -77.1429% | 5,475 |
| Earnings coverage of net charge-offs (x) | 0.9863% | 4,523 |
| Efficiency ratio | 71.2860% | 3,329 |
| Assets per employee ($millions) | 3.6610% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,633 |
| Loan loss allowance to noncurrent loans | 88.6115% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 2,320 |
| Noncurrent loans to loans | 1.2205% | 2,409 |
| Net loans and leases to total assets | 76.7040% | 1,169 |
| Net loans and leases to deposits | 90.8718% | 1,417 |
| Net loans and leases to core deposits | 94.3354% | 1,885 |
| Total domestic deposits to total assets | 84.4091% | 3,552 |
| Equity capital to assets | 12.2002% | 1,859 |
| Core capital (leverage) ratio | 11.7778% | 1,779 |
| Tier 1 risk-based capital ratio | 16.4214% | 2,748 |
| Total risk-based capital ratio | 17.5724% | 2,746 |
| Memoranda: | ||
| Average total assets | $136,627,800 | 3,866 |
| Average earning assets | $128,722,200 | 3,794 |
| Average equity | $15,743,200 | 3,717 |
| Average total loans | $104,957,000 | 3,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 1,112 |
| Cost of funding earning assets | 0.5218% | 2,554 |
| Net interest margin | 4.2745% | 1,101 |
| Noninterest income to average assets | 0.4061% | 4,204 |
| Noninterest expense to average assets | 2.9934% | 2,821 |
| Loan and lease loss provision to assets | -1.3146% | 6,580 |
| Net operating income to assets | 1.7981% | 515 |
| Return on assets (ROA) | 1.7664% | 560 |
| Pretax return on assets | 2.6993% | 157 |
| Return on Equity (ROE) | 15.5563% | 742 |
| Retained earnings to average equity (ytd only) | 15.5563% | 184 |
| Net charge-offs to loans | 2.2222% | 84 |
| Credit loss provision to net charge-offs | -77.1870% | 5,411 |
| Earnings coverage of net charge-offs (x) | 0.8416% | 4,302 |
| Efficiency ratio | 67.6199% | 3,918 |
| Assets per employee ($millions) | 3.7556% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,901 |
| Loan loss allowance to noncurrent loans | 91.6197% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 2,470 |
| Noncurrent loans to loans | 1.1647% | 2,731 |
| Net loans and leases to total assets | 75.8618% | 1,243 |
| Net loans and leases to deposits | 92.5059% | 1,186 |
| Net loans and leases to core deposits | 95.6163% | 1,711 |
| Total domestic deposits to total assets | 82.0075% | 4,475 |
| Equity capital to assets | 11.9029% | 2,149 |
| Core capital (leverage) ratio | 11.9615% | 1,719 |
| Tier 1 risk-based capital ratio | 15.9684% | 3,074 |
| Total risk-based capital ratio | 17.0880% | 3,077 |
| Memoranda: | ||
| Average total assets | $136,920,500 | 3,882 |
| Average earning assets | $128,792,250 | 3,813 |
| Average equity | $15,547,500 | 3,761 |
| Average total loans | $104,937,000 | 3,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 1,224 |
| Cost of funding earning assets | 0.5260% | 2,575 |
| Net interest margin | 4.2051% | 1,234 |
| Noninterest income to average assets | 0.4389% | 3,956 |
| Noninterest expense to average assets | 2.9918% | 2,862 |
| Loan and lease loss provision to assets | -1.9818% | 6,652 |
| Net operating income to assets | 2.2100% | 227 |
| Return on assets (ROA) | 2.1623% | 258 |
| Pretax return on assets | 3.3103% | 96 |
| Return on Equity (ROE) | 19.3603% | 328 |
| Retained earnings to average equity (ytd only) | 19.3603% | 93 |
| Net charge-offs to loans | 3.3142% | 43 |
| Credit loss provision to net charge-offs | -78.0347% | 5,223 |
| Earnings coverage of net charge-offs (x) | 0.5520% | 4,020 |
| Efficiency ratio | 68.0922% | 3,993 |
| Assets per employee ($millions) | 3.7362% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 4,923 |
| Loan loss allowance to noncurrent loans | 86.7868% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 2,357 |
| Noncurrent loans to loans | 1.2637% | 2,696 |
| Net loans and leases to total assets | 77.5081% | 973 |
| Net loans and leases to deposits | 91.3776% | 1,228 |
| Net loans and leases to core deposits | 94.3473% | 1,745 |
| Total domestic deposits to total assets | 84.8218% | 3,595 |
| Equity capital to assets | 12.0340% | 1,955 |
| Core capital (leverage) ratio | 11.8549% | 1,751 |
| Tier 1 risk-based capital ratio | 15.2974% | 3,471 |
| Total risk-based capital ratio | 16.4337% | 3,479 |
| Memoranda: | ||
| Average total assets | $136,241,330 | 3,917 |
| Average earning assets | $128,129,000 | 3,850 |
| Average equity | $15,216,670 | 3,819 |
| Average total loans | $104,398,330 | 3,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,607 |
| Cost of funding earning assets | 0.5226% | 2,684 |
| Net interest margin | 4.0388% | 1,633 |
| Noninterest income to average assets | 0.4347% | 3,909 |
| Noninterest expense to average assets | 2.9786% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8081% | 3,110 |
| Return on assets (ROA) | 0.8081% | 3,188 |
| Pretax return on assets | 1.2661% | 2,228 |
| Return on Equity (ROE) | 7.5210% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.5210% | 1,807 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1718% | 3,810 |
| Assets per employee ($millions) | 3.7984% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1060% | 177 |
| Loan loss allowance to noncurrent loans | 142.2431% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2912% | 1,433 |
| Noncurrent loans to loans | 2.8866% | 1,128 |
| Net loans and leases to total assets | 72.3487% | 1,525 |
| Net loans and leases to deposits | 85.1759% | 1,707 |
| Net loans and leases to core deposits | 87.6947% | 2,129 |
| Total domestic deposits to total assets | 84.9403% | 3,901 |
| Equity capital to assets | 10.9133% | 2,805 |
| Core capital (leverage) ratio | 10.8910% | 2,500 |
| Tier 1 risk-based capital ratio | 14.6525% | 3,919 |
| Total risk-based capital ratio | 15.9386% | 3,847 |
| Memoranda: | ||
| Average total assets | $137,111,000 | 3,937 |
| Average earning assets | $129,346,500 | 3,850 |
| Average equity | $14,732,000 | 3,909 |
| Average total loans | $103,894,500 | 3,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,552 |
| Cost of funding earning assets | 0.5813% | 2,824 |
| Net interest margin | 4.1265% | 1,577 |
| Noninterest income to average assets | 0.7022% | 2,529 |
| Noninterest expense to average assets | 3.0716% | 2,832 |
| Loan and lease loss provision to assets | 0.1085% | 2,987 |
| Net operating income to assets | 1.9813% | 352 |
| Return on assets (ROA) | 1.8109% | 483 |
| Pretax return on assets | 1.2462% | 2,383 |
| Return on Equity (ROE) | 18.1966% | 393 |
| Retained earnings to average equity (ytd only) | 18.1966% | 104 |
| Net charge-offs to loans | 0.2833% | 2,280 |
| Credit loss provision to net charge-offs | 51.2635% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2058% | 2,891 |
| Efficiency ratio | 66.8218% | 4,402 |
| Assets per employee ($millions) | 3.8189% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0489% | 199 |
| Loan loss allowance to noncurrent loans | 135.5520% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2796% | 1,550 |
| Noncurrent loans to loans | 2.9869% | 1,152 |
| Net loans and leases to total assets | 73.0186% | 1,517 |
| Net loans and leases to deposits | 85.4523% | 1,757 |
| Net loans and leases to core deposits | 87.9468% | 2,252 |
| Total domestic deposits to total assets | 85.4495% | 3,528 |
| Equity capital to assets | 10.5768% | 3,074 |
| Core capital (leverage) ratio | 10.8203% | 2,555 |
| Tier 1 risk-based capital ratio | 14.1325% | 4,203 |
| Total risk-based capital ratio | 15.4178% | 4,121 |
| Memoranda: | ||
| Average total assets | $130,875,000 | 4,053 |
| Average earning assets | $123,519,600 | 3,978 |
| Average equity | $13,024,400 | 4,262 |
| Average total loans | $97,788,400 | 3,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,494 |
| Cost of funding earning assets | 0.5886% | 2,913 |
| Net interest margin | 4.1519% | 1,475 |
| Noninterest income to average assets | 0.7006% | 2,606 |
| Noninterest expense to average assets | 3.1118% | 2,615 |
| Loan and lease loss provision to assets | 0.6397% | 359 |
| Net operating income to assets | 0.8646% | 3,021 |
| Return on assets (ROA) | 0.8832% | 3,032 |
| Pretax return on assets | 0.8832% | 3,952 |
| Return on Equity (ROE) | 9.0255% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.0255% | 1,049 |
| Net charge-offs to loans | 0.2193% | 2,507 |
| Credit loss provision to net charge-offs | 392.4051% | 679 |
| Earnings coverage of net charge-offs (x) | 9.2279% | 2,509 |
| Efficiency ratio | 67.4117% | 4,205 |
| Assets per employee ($millions) | 3.8228% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9560% | 117 |
| Loan loss allowance to noncurrent loans | 143.7965% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 2.5180% | 1,525 |
| Noncurrent loans to loans | 3.4465% | 1,115 |
| Net loans and leases to total assets | 69.2736% | 2,089 |
| Net loans and leases to deposits | 80.5279% | 2,337 |
| Net loans and leases to core deposits | 83.9441% | 2,661 |
| Total domestic deposits to total assets | 86.0244% | 3,239 |
| Equity capital to assets | 9.6968% | 4,309 |
| Core capital (leverage) ratio | 9.8128% | 3,937 |
| Tier 1 risk-based capital ratio | 13.5923% | 4,694 |
| Total risk-based capital ratio | 14.8894% | 4,623 |
| Memoranda: | ||
| Average total assets | $129,223,750 | 4,133 |
| Average earning assets | $121,867,500 | 4,052 |
| Average equity | $12,645,250 | 4,371 |
| Average total loans | $96,080,000 | 3,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,662 |
| Cost of funding earning assets | 0.5924% | 3,009 |
| Net interest margin | 4.0738% | 1,620 |
| Noninterest income to average assets | 0.5215% | 3,692 |
| Noninterest expense to average assets | 3.0462% | 2,854 |
| Loan and lease loss provision to assets | 0.2349% | 1,583 |
| Net operating income to assets | 0.6711% | 3,953 |
| Return on assets (ROA) | 0.6891% | 4,029 |
| Pretax return on assets | 1.1136% | 3,040 |
| Return on Equity (ROE) | 7.0200% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.0200% | 1,886 |
| Net charge-offs to loans | -0.0774% | 6,420 |
| Credit loss provision to net charge-offs | -405.4054% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7633% | 3,874 |
| Assets per employee ($millions) | 3.5018% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6425% | 157 |
| Loan loss allowance to noncurrent loans | 147.6993% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3818% | 1,796 |
| Noncurrent loans to loans | 3.1432% | 1,397 |
| Net loans and leases to total assets | 72.2576% | 1,527 |
| Net loans and leases to deposits | 84.6155% | 1,723 |
| Net loans and leases to core deposits | 87.6701% | 2,144 |
| Total domestic deposits to total assets | 85.3952% | 3,702 |
| Equity capital to assets | 9.6877% | 4,327 |
| Core capital (leverage) ratio | 9.8567% | 3,706 |
| Tier 1 risk-based capital ratio | 12.8851% | 5,236 |
| Total risk-based capital ratio | 14.1775% | 5,132 |
| Memoranda: | ||
| Average total assets | $127,699,330 | 4,189 |
| Average earning assets | $120,525,670 | 4,113 |
| Average equity | $12,535,670 | 4,418 |
| Average total loans | $95,600,330 | 3,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,613 |
| Cost of funding earning assets | 0.6000% | 3,107 |
| Net interest margin | 4.0725% | 1,553 |
| Noninterest income to average assets | 0.5964% | 3,165 |
| Noninterest expense to average assets | 3.1113% | 2,641 |
| Loan and lease loss provision to assets | 0.2840% | 1,240 |
| Net operating income to assets | 0.6389% | 4,025 |
| Return on assets (ROA) | 0.6753% | 3,973 |
| Pretax return on assets | 1.0918% | 2,986 |
| Return on Equity (ROE) | 6.8330% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.8330% | 2,233 |
| Net charge-offs to loans | -0.1400% | 6,572 |
| Credit loss provision to net charge-offs | -272.7273% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2279% | 3,932 |
| Assets per employee ($millions) | 3.6802% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7061% | 170 |
| Loan loss allowance to noncurrent loans | 150.9066% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3120% | 2,009 |
| Noncurrent loans to loans | 3.1185% | 1,593 |
| Net loans and leases to total assets | 70.6483% | 1,558 |
| Net loans and leases to deposits | 82.3820% | 1,777 |
| Net loans and leases to core deposits | 85.3562% | 2,174 |
| Total domestic deposits to total assets | 85.7570% | 3,657 |
| Equity capital to assets | 9.7867% | 4,442 |
| Core capital (leverage) ratio | 9.8286% | 3,627 |
| Tier 1 risk-based capital ratio | 13.0176% | 5,202 |
| Total risk-based capital ratio | 14.3104% | 5,126 |
| Memoranda: | ||
| Average total assets | $126,765,500 | 4,250 |
| Average earning assets | $119,337,500 | 4,168 |
| Average equity | $12,527,500 | 4,466 |
| Average total loans | $94,310,500 | 3,643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 2,152 |
| Cost of funding earning assets | 0.6992% | 3,500 |
| Net interest margin | 4.1107% | 1,962 |
| Noninterest income to average assets | -0.1200% | 6,927 |
| Noninterest expense to average assets | 3.0220% | 3,194 |
| Loan and lease loss provision to assets | 1.3487% | 255 |
| Net operating income to assets | -0.6724% | 6,640 |
| Return on assets (ROA) | -0.0734% | 6,367 |
| Pretax return on assets | -0.0734% | 6,346 |
| Return on Equity (ROE) | -0.7216% | 6,370 |
| Retained earnings to average equity (ytd only) | -0.7216% | 5,978 |
| Net charge-offs to loans | 0.8656% | 1,322 |
| Credit loss provision to net charge-offs | 227.7419% | 1,086 |
| Earnings coverage of net charge-offs (x) | 1.1419% | 4,890 |
| Efficiency ratio | 81.7149% | 1,912 |
| Assets per employee ($millions) | 3.5635% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6936% | 162 |
| Loan loss allowance to noncurrent loans | 145.9432% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 2.4406% | 2,004 |
| Noncurrent loans to loans | 3.2160% | 1,606 |
| Net loans and leases to total assets | 71.1619% | 1,626 |
| Net loans and leases to deposits | 83.7558% | 1,782 |
| Net loans and leases to core deposits | 87.1627% | 2,174 |
| Total domestic deposits to total assets | 84.9636% | 3,882 |
| Equity capital to assets | 9.9812% | 4,197 |
| Core capital (leverage) ratio | 9.5786% | 3,998 |
| Tier 1 risk-based capital ratio | 13.1595% | 4,994 |
| Total risk-based capital ratio | 14.4526% | 4,906 |
| Memoranda: | ||
| Average total assets | $130,871,600 | 4,130 |
| Average earning assets | $121,562,200 | 4,077 |
| Average equity | $13,304,400 | 4,297 |
| Average total loans | $89,529,200 | 3,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 2,418 |
| Cost of funding earning assets | 0.7175% | 3,616 |
| Net interest margin | 4.0756% | 2,191 |
| Noninterest income to average assets | 0.2044% | 6,066 |
| Noninterest expense to average assets | 2.9907% | 3,261 |
| Loan and lease loss provision to assets | -0.1410% | 7,066 |
| Net operating income to assets | 1.1298% | 1,981 |
| Return on assets (ROA) | 1.9193% | 506 |
| Pretax return on assets | 1.9193% | 835 |
| Return on Equity (ROE) | 18.7988% | 417 |
| Retained earnings to average equity (ytd only) | 18.7988% | 99 |
| Net charge-offs to loans | 1.0816% | 956 |
| Credit loss provision to net charge-offs | -19.4715% | 6,123 |
| Earnings coverage of net charge-offs (x) | 1.3658% | 4,613 |
| Efficiency ratio | 75.1518% | 2,801 |
| Assets per employee ($millions) | 3.6659% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 825 |
| Loan loss allowance to noncurrent loans | 5,604.4444% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,895 |
| Noncurrent loans to loans | 0.0512% | 6,488 |
| Net loans and leases to total assets | 66.5123% | 2,559 |
| Net loans and leases to deposits | 79.5770% | 2,464 |
| Net loans and leases to core deposits | 82.5283% | 2,890 |
| Total domestic deposits to total assets | 83.5823% | 4,397 |
| Equity capital to assets | 11.3174% | 2,917 |
| Core capital (leverage) ratio | 11.0880% | 2,310 |
| Tier 1 risk-based capital ratio | 15.4967% | 3,533 |
| Total risk-based capital ratio | 16.7650% | 3,489 |
| Memoranda: | ||
| Average total assets | $132,408,500 | 4,127 |
| Average earning assets | $122,645,000 | 4,088 |
| Average equity | $13,518,250 | 4,293 |
| Average total loans | $88,629,750 | 3,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 2,343 |
| Cost of funding earning assets | 0.7492% | 3,608 |
| Net interest margin | 4.0898% | 2,133 |
| Noninterest income to average assets | 0.1630% | 6,361 |
| Noninterest expense to average assets | 2.9946% | 3,274 |
| Loan and lease loss provision to assets | 0.4336% | 1,505 |
| Net operating income to assets | 0.5053% | 4,795 |
| Return on assets (ROA) | 1.2259% | 1,816 |
| Pretax return on assets | 1.2259% | 2,822 |
| Return on Equity (ROE) | 12.4393% | 1,522 |
| Retained earnings to average equity (ytd only) | 12.4393% | 516 |
| Net charge-offs to loans | 1.6313% | 568 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 0.8662% | 4,621 |
| Efficiency ratio | 76.1307% | 2,719 |
| Assets per employee ($millions) | 3.8026% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2694% | 607 |
| Loan loss allowance to noncurrent loans | 6,695.4545% | 97 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 3,990 |
| Noncurrent loans to loans | 0.0488% | 6,555 |
| Net loans and leases to total assets | 67.4156% | 2,388 |
| Net loans and leases to deposits | 78.8716% | 2,540 |
| Net loans and leases to core deposits | 82.5513% | 2,892 |
| Total domestic deposits to total assets | 85.4752% | 3,623 |
| Equity capital to assets | 10.4340% | 3,764 |
| Core capital (leverage) ratio | 10.0098% | 3,410 |
| Tier 1 risk-based capital ratio | 14.0237% | 4,434 |
| Total risk-based capital ratio | 15.2907% | 4,384 |
| Memoranda: | ||
| Average total assets | $133,775,670 | 4,122 |
| Average earning assets | $123,332,330 | 4,093 |
| Average equity | $13,184,000 | 4,362 |
| Average total loans | $88,885,670 | 3,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 2,986 |
| Cost of funding earning assets | 0.7565% | 3,817 |
| Net interest margin | 3.9607% | 2,665 |
| Noninterest income to average assets | -0.0265% | 7,123 |
| Noninterest expense to average assets | 2.8261% | 3,921 |
| Loan and lease loss provision to assets | 0.4117% | 1,531 |
| Net operating income to assets | 0.3999% | 5,256 |
| Return on assets (ROA) | 0.8234% | 3,505 |
| Pretax return on assets | 0.8234% | 4,329 |
| Return on Equity (ROE) | 8.5949% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.5949% | 1,734 |
| Net charge-offs to loans | 3.2218% | 214 |
| Credit loss provision to net charge-offs | 19.6906% | 3,782 |
| Earnings coverage of net charge-offs (x) | 0.3882% | 4,163 |
| Efficiency ratio | 77.6880% | 2,540 |
| Assets per employee ($millions) | 3.8166% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0877% | 771 |
| Loan loss allowance to noncurrent loans | 470.6868% | 720 |
| Noncurrent assets plus other real estate owned to assets | 2.3551% | 2,528 |
| Noncurrent loans to loans | 0.6560% | 5,332 |
| Net loans and leases to total assets | 66.0236% | 2,463 |
| Net loans and leases to deposits | 78.3405% | 2,441 |
| Net loans and leases to core deposits | 82.3045% | 2,784 |
| Total domestic deposits to total assets | 84.2777% | 4,371 |
| Equity capital to assets | 9.8577% | 4,305 |
| Core capital (leverage) ratio | 9.4292% | 4,153 |
| Tier 1 risk-based capital ratio | 14.2532% | 4,273 |
| Total risk-based capital ratio | 15.5268% | 4,230 |
| Memoranda: | ||
| Average total assets | $136,019,000 | 4,109 |
| Average earning assets | $125,835,500 | 4,064 |
| Average equity | $13,031,000 | 4,404 |
| Average total loans | $88,275,000 | 3,877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 4,270 |
| Cost of funding earning assets | 1.1065% | 2,629 |
| Net interest margin | 3.5885% | 4,775 |
| Noninterest income to average assets | 0.5489% | 3,515 |
| Noninterest expense to average assets | 2.8159% | 4,287 |
| Loan and lease loss provision to assets | 1.7033% | 398 |
| Net operating income to assets | -0.6216% | 6,563 |
| Return on assets (ROA) | -0.6458% | 6,615 |
| Pretax return on assets | -0.6458% | 6,573 |
| Return on Equity (ROE) | -6.6209% | 6,613 |
| Retained earnings to average equity (ytd only) | -6.6209% | 6,549 |
| Net charge-offs to loans | 1.4202% | 1,148 |
| Credit loss provision to net charge-offs | 192.2949% | 1,327 |
| Earnings coverage of net charge-offs (x) | 1.2212% | 4,865 |
| Efficiency ratio | 72.2463% | 3,518 |
| Assets per employee ($millions) | 3.9559% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9523% | 396 |
| Loan loss allowance to noncurrent loans | 266.6404% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 2,217 |
| Noncurrent loans to loans | 1.4823% | 3,926 |
| Net loans and leases to total assets | 59.3426% | 4,125 |
| Net loans and leases to deposits | 69.1011% | 4,260 |
| Net loans and leases to core deposits | 72.3670% | 4,460 |
| Total domestic deposits to total assets | 85.8779% | 3,379 |
| Equity capital to assets | 9.3126% | 5,132 |
| Core capital (leverage) ratio | 8.8841% | 4,967 |
| Tier 1 risk-based capital ratio | 13.6447% | 4,595 |
| Total risk-based capital ratio | 14.9254% | 4,531 |
| Memoranda: | ||
| Average total assets | $136,263,600 | 4,049 |
| Average earning assets | $127,157,200 | 3,992 |
| Average equity | $13,291,200 | 4,283 |
| Average total loans | $84,988,600 | 4,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 4,163 |
| Cost of funding earning assets | 1.1723% | 2,497 |
| Net interest margin | 3.5937% | 4,801 |
| Noninterest income to average assets | 0.2289% | 5,977 |
| Noninterest expense to average assets | 2.8186% | 4,273 |
| Loan and lease loss provision to assets | 0.2358% | 3,654 |
| Net operating income to assets | 0.4857% | 4,601 |
| Return on assets (ROA) | 0.4558% | 4,937 |
| Pretax return on assets | 0.4971% | 5,173 |
| Return on Equity (ROE) | 4.6201% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.6201% | 3,429 |
| Net charge-offs to loans | 0.9664% | 1,664 |
| Credit loss provision to net charge-offs | 39.0244% | 5,273 |
| Earnings coverage of net charge-offs (x) | 1.2667% | 4,666 |
| Efficiency ratio | 78.6458% | 2,453 |
| Assets per employee ($millions) | 3.9915% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 2,034 |
| Loan loss allowance to noncurrent loans | 81.7632% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 2.8653% | 2,260 |
| Noncurrent loans to loans | 2.5872% | 2,677 |
| Net loans and leases to total assets | 62.6661% | 3,576 |
| Net loans and leases to deposits | 72.3702% | 3,924 |
| Net loans and leases to core deposits | 75.1309% | 4,306 |
| Total domestic deposits to total assets | 86.5909% | 2,884 |
| Equity capital to assets | 10.1235% | 4,183 |
| Core capital (leverage) ratio | 9.7599% | 3,755 |
| Tier 1 risk-based capital ratio | 14.9966% | 3,659 |
| Total risk-based capital ratio | 16.2570% | 3,626 |
| Memoranda: | ||
| Average total assets | $135,715,250 | 4,083 |
| Average earning assets | $126,698,750 | 4,022 |
| Average equity | $13,390,500 | 4,271 |
| Average total loans | $84,849,500 | 4,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 4,028 |
| Cost of funding earning assets | 1.2291% | 2,386 |
| Net interest margin | 3.5867% | 4,767 |
| Noninterest income to average assets | 0.1741% | 6,415 |
| Noninterest expense to average assets | 2.9021% | 4,018 |
| Loan and lease loss provision to assets | 0.0893% | 5,202 |
| Net operating income to assets | 0.4537% | 4,703 |
| Return on assets (ROA) | 0.4122% | 5,042 |
| Pretax return on assets | 0.4748% | 5,156 |
| Return on Equity (ROE) | 4.2162% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.2162% | 3,517 |
| Net charge-offs to loans | 1.3658% | 1,110 |
| Credit loss provision to net charge-offs | 10.5448% | 5,240 |
| Earnings coverage of net charge-offs (x) | 0.7223% | 4,751 |
| Efficiency ratio | 82.5921% | 2,012 |
| Assets per employee ($millions) | 4.0083% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,319 |
| Loan loss allowance to noncurrent loans | 85.1744% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.7561% | 2,429 |
| Noncurrent loans to loans | 2.3703% | 3,019 |
| Net loans and leases to total assets | 62.6052% | 3,767 |
| Net loans and leases to deposits | 72.6750% | 4,008 |
| Net loans and leases to core deposits | 75.5303% | 4,375 |
| Total domestic deposits to total assets | 86.1441% | 3,243 |
| Equity capital to assets | 10.0462% | 4,082 |
| Core capital (leverage) ratio | 10.0281% | 3,229 |
| Tier 1 risk-based capital ratio | 15.3963% | 3,296 |
| Total risk-based capital ratio | 16.6554% | 3,235 |
| Memoranda: | ||
| Average total assets | $134,385,670 | 4,136 |
| Average earning assets | $125,129,330 | 4,088 |
| Average equity | $13,139,670 | 4,309 |
| Average total loans | $83,319,670 | 4,116 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 4,524 |
| Cost of funding earning assets | 1.3172% | 2,085 |
| Net interest margin | 3.3834% | 5,493 |
| Noninterest income to average assets | 0.1948% | 6,327 |
| Noninterest expense to average assets | 2.9347% | 3,921 |
| Loan and lease loss provision to assets | 0.0899% | 4,889 |
| Net operating income to assets | 0.2368% | 5,660 |
| Return on assets (ROA) | 0.2368% | 5,727 |
| Pretax return on assets | 0.3118% | 5,620 |
| Return on Equity (ROE) | 2.4565% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.4565% | 4,681 |
| Net charge-offs to loans | 2.5196% | 450 |
| Credit loss provision to net charge-offs | 5.8480% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.2612% | 4,414 |
| Efficiency ratio | 87.9605% | 1,518 |
| Assets per employee ($millions) | 4.0342% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 2,144 |
| Loan loss allowance to noncurrent loans | 88.3168% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 4.0735% | 1,641 |
| Noncurrent loans to loans | 2.3983% | 3,093 |
| Net loans and leases to total assets | 61.9269% | 3,874 |
| Net loans and leases to deposits | 71.6607% | 4,116 |
| Net loans and leases to core deposits | 74.4404% | 4,488 |
| Total domestic deposits to total assets | 86.4168% | 3,281 |
| Equity capital to assets | 9.8011% | 4,036 |
| Core capital (leverage) ratio | 9.9369% | 3,214 |
| Tier 1 risk-based capital ratio | 15.4214% | 3,198 |
| Total risk-based capital ratio | 16.6747% | 3,152 |
| Memoranda: | ||
| Average total assets | $133,438,000 | 4,185 |
| Average earning assets | $123,900,500 | 4,141 |
| Average equity | $12,864,000 | 4,372 |
| Average total loans | $81,441,000 | 4,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 5,313 |
| Cost of funding earning assets | 1.7589% | 1,345 |
| Net interest margin | 3.0715% | 6,595 |
| Noninterest income to average assets | 0.3828% | 5,038 |
| Noninterest expense to average assets | 2.6254% | 5,313 |
| Loan and lease loss provision to assets | 0.8585% | 1,899 |
| Net operating income to assets | -0.2179% | 6,132 |
| Return on assets (ROA) | 0.1112% | 5,706 |
| Pretax return on assets | 0.1112% | 5,680 |
| Return on Equity (ROE) | 1.0740% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.0740% | 5,007 |
| Net charge-offs to loans | 1.7338% | 1,247 |
| Credit loss provision to net charge-offs | 78.6920% | 5,603 |
| Earnings coverage of net charge-offs (x) | 0.5872% | 5,519 |
| Efficiency ratio | 80.3852% | 2,368 |
| Assets per employee ($millions) | 4.7767% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8822% | 969 |
| Loan loss allowance to noncurrent loans | 54.6265% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 4.8404% | 1,345 |
| Noncurrent loans to loans | 5.2761% | 1,258 |
| Net loans and leases to total assets | 57.1141% | 5,168 |
| Net loans and leases to deposits | 65.8577% | 5,420 |
| Net loans and leases to core deposits | 68.0774% | 5,656 |
| Total domestic deposits to total assets | 86.7235% | 2,960 |
| Equity capital to assets | 9.4805% | 4,429 |
| Core capital (leverage) ratio | 9.7202% | 3,412 |
| Tier 1 risk-based capital ratio | 15.5355% | 2,984 |
| Total risk-based capital ratio | 16.7998% | 2,942 |
| Memoranda: | ||
| Average total assets | $130,344,200 | 4,257 |
| Average earning assets | $122,349,000 | 4,178 |
| Average equity | $13,500,600 | 4,259 |
| Average total loans | $82,017,400 | 4,281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 4,607 |
| Cost of funding earning assets | 1.8233% | 1,332 |
| Net interest margin | 3.2215% | 6,270 |
| Noninterest income to average assets | 0.4046% | 4,925 |
| Noninterest expense to average assets | 2.5998% | 5,323 |
| Loan and lease loss provision to assets | 0.4829% | 3,060 |
| Net operating income to assets | 0.3160% | 5,104 |
| Return on assets (ROA) | 0.7135% | 3,504 |
| Pretax return on assets | 0.7908% | 3,946 |
| Return on Equity (ROE) | 6.7416% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,973 |
| Net charge-offs to loans | 0.8818% | 2,242 |
| Credit loss provision to net charge-offs | 85.5839% | 4,939 |
| Earnings coverage of net charge-offs (x) | 1.4745% | 4,624 |
| Efficiency ratio | 75.7576% | 2,998 |
| Assets per employee ($millions) | 4.4515% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1300% | 744 |
| Loan loss allowance to noncurrent loans | 76.5049% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 3.9080% | 1,803 |
| Noncurrent loans to loans | 4.0913% | 1,811 |
| Net loans and leases to total assets | 57.7281% | 5,296 |
| Net loans and leases to deposits | 67.1870% | 5,523 |
| Net loans and leases to core deposits | 69.4669% | 5,806 |
| Total domestic deposits to total assets | 85.9216% | 3,117 |
| Equity capital to assets | 10.4377% | 3,591 |
| Core capital (leverage) ratio | 10.3760% | 2,831 |
| Tier 1 risk-based capital ratio | 16.4763% | 2,568 |
| Total risk-based capital ratio | 17.7476% | 2,511 |
| Memoranda: | ||
| Average total assets | $129,493,250 | 4,338 |
| Average earning assets | $121,679,500 | 4,250 |
| Average equity | $13,705,750 | 4,273 |
| Average total loans | $82,857,750 | 4,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 4,795 |
| Cost of funding earning assets | 1.8877% | 1,278 |
| Net interest margin | 3.1434% | 6,483 |
| Noninterest income to average assets | 0.6384% | 3,072 |
| Noninterest expense to average assets | 2.5643% | 5,478 |
| Loan and lease loss provision to assets | 0.3215% | 3,816 |
| Net operating income to assets | 0.6528% | 3,613 |
| Return on assets (ROA) | 0.8912% | 2,705 |
| Pretax return on assets | 0.9692% | 3,240 |
| Return on Equity (ROE) | 8.3798% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.3798% | 1,300 |
| Net charge-offs to loans | 1.1674% | 1,626 |
| Credit loss provision to net charge-offs | 42.0408% | 5,576 |
| Earnings coverage of net charge-offs (x) | 1.3490% | 4,476 |
| Efficiency ratio | 71.3108% | 3,940 |
| Assets per employee ($millions) | 4.5686% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8509% | 958 |
| Loan loss allowance to noncurrent loans | 201.9435% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 3,230 |
| Noncurrent loans to loans | 1.4117% | 4,590 |
| Net loans and leases to total assets | 60.8957% | 4,888 |
| Net loans and leases to deposits | 73.3899% | 4,772 |
| Net loans and leases to core deposits | 75.7220% | 5,226 |
| Total domestic deposits to total assets | 82.9756% | 4,589 |
| Equity capital to assets | 10.8730% | 2,994 |
| Core capital (leverage) ratio | 10.6211% | 2,525 |
| Tier 1 risk-based capital ratio | 16.1723% | 2,601 |
| Total risk-based capital ratio | 17.4409% | 2,551 |
| Memoranda: | ||
| Average total assets | $128,142,670 | 4,399 |
| Average earning assets | $120,571,330 | 4,297 |
| Average equity | $13,628,000 | 4,286 |
| Average total loans | $83,949,000 | 4,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 4,778 |
| Cost of funding earning assets | 1.8948% | 1,470 |
| Net interest margin | 3.1569% | 6,431 |
| Noninterest income to average assets | 0.9824% | 1,356 |
| Noninterest expense to average assets | 2.5450% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3317% | 1,224 |
| Return on assets (ROA) | 1.3317% | 1,297 |
| Pretax return on assets | 1.4097% | 1,744 |
| Return on Equity (ROE) | 12.6636% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.6636% | 668 |
| Net charge-offs to loans | 0.8855% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 3,350 |
| Efficiency ratio | 64.3533% | 5,424 |
| Assets per employee ($millions) | 4.2634% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8334% | 950 |
| Loan loss allowance to noncurrent loans | 89.5410% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.8569% | 2,529 |
| Noncurrent loans to loans | 3.1643% | 2,534 |
| Net loans and leases to total assets | 63.8137% | 4,371 |
| Net loans and leases to deposits | 78.1941% | 4,005 |
| Net loans and leases to core deposits | 80.7182% | 4,673 |
| Total domestic deposits to total assets | 81.6094% | 5,229 |
| Equity capital to assets | 10.7614% | 2,989 |
| Core capital (leverage) ratio | 10.3433% | 2,768 |
| Tier 1 risk-based capital ratio | 15.6421% | 2,811 |
| Total risk-based capital ratio | 16.9115% | 2,747 |
| Memoranda: | ||
| Average total assets | $128,253,000 | 4,449 |
| Average earning assets | $120,752,500 | 4,356 |
| Average equity | $13,487,500 | 4,357 |
| Average total loans | $85,831,000 | 4,327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 4,909 |
| Cost of funding earning assets | 2.4859% | 1,053 |
| Net interest margin | 2.8715% | 6,909 |
| Noninterest income to average assets | 0.2927% | 6,022 |
| Noninterest expense to average assets | 2.2251% | 6,927 |
| Loan and lease loss provision to assets | 1.1195% | 2,043 |
| Net operating income to assets | -0.3823% | 6,058 |
| Return on assets (ROA) | -0.1568% | 5,772 |
| Pretax return on assets | -0.1568% | 5,655 |
| Return on Equity (ROE) | -1.6485% | 5,803 |
| Retained earnings to average equity (ytd only) | -1.6485% | 5,427 |
| Net charge-offs to loans | 0.7008% | 3,084 |
| Credit loss provision to net charge-offs | 222.7019% | 1,691 |
| Earnings coverage of net charge-offs (x) | 1.4666% | 4,659 |
| Efficiency ratio | 75.1123% | 3,686 |
| Assets per employee ($millions) | 4.5930% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9317% | 823 |
| Loan loss allowance to noncurrent loans | 162.9677% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2223% | 3,099 |
| Noncurrent loans to loans | 1.7989% | 3,934 |
| Net loans and leases to total assets | 66.1667% | 4,116 |
| Net loans and leases to deposits | 86.8748% | 2,759 |
| Net loans and leases to core deposits | 120.1862% | 1,937 |
| Total domestic deposits to total assets | 76.1633% | 6,646 |
| Equity capital to assets | 10.2726% | 3,436 |
| Core capital (leverage) ratio | 9.8629% | 3,254 |
| Tier 1 risk-based capital ratio | 14.4994% | 3,209 |
| Total risk-based capital ratio | 15.7697% | 3,150 |
| Memoranda: | ||
| Average total assets | $142,826,200 | 4,060 |
| Average earning assets | $132,789,800 | 4,036 |
| Average equity | $13,587,800 | 4,365 |
| Average total loans | $102,458,800 | 3,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 5,071 |
| Cost of funding earning assets | 2.6321% | 944 |
| Net interest margin | 2.7421% | 7,147 |
| Noninterest income to average assets | 0.2723% | 6,282 |
| Noninterest expense to average assets | 2.0904% | 7,214 |
| Loan and lease loss provision to assets | 0.6294% | 2,872 |
| Net operating income to assets | 0.0947% | 5,480 |
| Return on assets (ROA) | 0.3880% | 4,546 |
| Pretax return on assets | 0.3880% | 4,827 |
| Return on Equity (ROE) | 4.1514% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.1514% | 2,963 |
| Net charge-offs to loans | 0.1407% | 5,297 |
| Credit loss provision to net charge-offs | 616.9643% | 616 |
| Earnings coverage of net charge-offs (x) | 7.0982% | 2,474 |
| Efficiency ratio | 74.2718% | 3,825 |
| Assets per employee ($millions) | 4.4892% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,309 |
| Loan loss allowance to noncurrent loans | 46.4469% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.0274% | 1,583 |
| Noncurrent loans to loans | 4.9306% | 1,359 |
| Net loans and leases to total assets | 71.8504% | 3,073 |
| Net loans and leases to deposits | 94.5904% | 1,780 |
| Net loans and leases to core deposits | 131.0660% | 1,369 |
| Total domestic deposits to total assets | 75.9595% | 6,586 |
| Equity capital to assets | 10.2482% | 3,790 |
| Core capital (leverage) ratio | 9.6288% | 3,742 |
| Tier 1 risk-based capital ratio | 14.0633% | 3,511 |
| Total risk-based capital ratio | 15.3265% | 3,445 |
| Memoranda: | ||
| Average total assets | $146,381,750 | 4,032 |
| Average earning assets | $135,708,250 | 4,012 |
| Average equity | $13,682,000 | 4,365 |
| Average total loans | $106,157,750 | 3,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 5,365 |
| Cost of funding earning assets | 2.8107% | 761 |
| Net interest margin | 2.5473% | 7,417 |
| Noninterest income to average assets | 0.2662% | 6,370 |
| Noninterest expense to average assets | 1.9550% | 7,547 |
| Loan and lease loss provision to assets | 0.6534% | 2,471 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.4285% | 4,499 |
| Pretax return on assets | 0.4285% | 4,850 |
| Return on Equity (ROE) | 4.7207% | 4,199 |
| Retained earnings to average equity (ytd only) | 4.7207% | 2,676 |
| Net charge-offs to loans | 0.1714% | 4,512 |
| Credit loss provision to net charge-offs | 527.9570% | 872 |
| Earnings coverage of net charge-offs (x) | 5.2796% | 2,868 |
| Efficiency ratio | 74.9490% | 3,886 |
| Assets per employee ($millions) | 5.6831% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 1,551 |
| Loan loss allowance to noncurrent loans | 39.8739% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 3.5160% | 1,768 |
| Noncurrent loans to loans | 5.0326% | 1,218 |
| Net loans and leases to total assets | 66.4181% | 4,476 |
| Net loans and leases to deposits | 85.0467% | 3,721 |
| Net loans and leases to core deposits | 111.7258% | 3,167 |
| Total domestic deposits to total assets | 78.0961% | 6,051 |
| Equity capital to assets | 8.8710% | 5,491 |
| Core capital (leverage) ratio | 8.7480% | 5,007 |
| Tier 1 risk-based capital ratio | 12.9889% | 4,158 |
| Total risk-based capital ratio | 14.2480% | 4,067 |
| Memoranda: | ||
| Average total assets | $150,283,330 | 3,985 |
| Average earning assets | $138,187,670 | 3,988 |
| Average equity | $13,642,000 | 4,385 |
| Average total loans | $108,532,330 | 3,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 4,377 |
| Cost of funding earning assets | 2.8011% | 978 |
| Net interest margin | 2.7952% | 6,999 |
| Noninterest income to average assets | 0.2798% | 6,190 |
| Noninterest expense to average assets | 2.0363% | 7,267 |
| Loan and lease loss provision to assets | 0.5810% | 2,166 |
| Net operating income to assets | 0.2286% | 5,564 |
| Return on assets (ROA) | 0.5030% | 4,595 |
| Pretax return on assets | 0.5030% | 5,072 |
| Return on Equity (ROE) | 5.4770% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.4770% | 2,869 |
| Net charge-offs to loans | 0.3213% | 2,814 |
| Credit loss provision to net charge-offs | 242.6966% | 1,920 |
| Earnings coverage of net charge-offs (x) | 3.3820% | 3,195 |
| Efficiency ratio | 71.5501% | 4,263 |
| Assets per employee ($millions) | 4.7315% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 2,255 |
| Loan loss allowance to noncurrent loans | 54.6165% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 2,541 |
| Noncurrent loans to loans | 3.0508% | 2,136 |
| Net loans and leases to total assets | 68.6378% | 3,992 |
| Net loans and leases to deposits | 89.8897% | 2,950 |
| Net loans and leases to core deposits | 121.5573% | 2,288 |
| Total domestic deposits to total assets | 76.3578% | 6,443 |
| Equity capital to assets | 8.8107% | 5,606 |
| Core capital (leverage) ratio | 9.2304% | 4,363 |
| Tier 1 risk-based capital ratio | 12.2442% | 4,749 |
| Total risk-based capital ratio | 13.4994% | 4,653 |
| Memoranda: | ||
| Average total assets | $148,703,500 | 4,032 |
| Average earning assets | $136,518,500 | 4,024 |
| Average equity | $13,657,000 | 4,411 |
| Average total loans | $110,798,000 | 3,775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3258% | 3,818 |
| Cost of funding earning assets | 3.0190% | 1,805 |
| Net interest margin | 3.3069% | 6,013 |
| Noninterest income to average assets | 0.1934% | 7,073 |
| Noninterest expense to average assets | 3.0322% | 3,961 |
| Loan and lease loss provision to assets | 1.4750% | 920 |
| Net operating income to assets | -1.1391% | 7,318 |
| Return on assets (ROA) | -1.0467% | 7,197 |
| Pretax return on assets | -1.0467% | 7,031 |
| Return on Equity (ROE) | -9.2898% | 7,221 |
| Retained earnings to average equity (ytd only) | -9.2898% | 7,000 |
| Net charge-offs to loans | 1.3099% | 909 |
| Credit loss provision to net charge-offs | 137.2178% | 3,881 |
| Earnings coverage of net charge-offs (x) | 0.3125% | 6,046 |
| Efficiency ratio | 90.0279% | 1,515 |
| Assets per employee ($millions) | 4.5570% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,694 |
| Loan loss allowance to noncurrent loans | 303.7770% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 6,052 |
| Noncurrent loans to loans | 0.4937% | 5,869 |
| Net loans and leases to total assets | 78.5180% | 1,997 |
| Net loans and leases to deposits | 98.0387% | 2,122 |
| Net loans and leases to core deposits | 148.8619% | 892 |
| Total domestic deposits to total assets | 80.0888% | 4,983 |
| Equity capital to assets | 9.5967% | 4,547 |
| Core capital (leverage) ratio | 9.5969% | 3,882 |
| Tier 1 risk-based capital ratio | 11.8054% | 4,980 |
| Total risk-based capital ratio | 13.0582% | 4,886 |
| Memoranda: | ||
| Average total assets | $127,731,000 | 4,329 |
| Average earning assets | $122,624,000 | 4,202 |
| Average equity | $14,392,200 | 4,255 |
| Average total loans | $104,818,800 | 3,831 |