Home > Atlas Bank > Performance and Condition Ratios
Atlas Bank, Performance and Condition Ratios
| 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 | 3.7594% | 4,636 |
| Cost of funding earning assets | 0.7815% | 828 |
| Net interest margin | 2.9779% | 5,578 |
| Noninterest income to average assets | 0.0664% | 6,438 |
| Noninterest expense to average assets | 3.0881% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1350% | 6,306 |
| Return on assets (ROA) | -0.0769% | 6,277 |
| Pretax return on assets | -0.1223% | 6,296 |
| Return on Equity (ROE) | -0.5956% | 6,264 |
| Retained earnings to average equity (ytd only) | -0.5956% | 5,662 |
| 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 | 107.4119% | 305 |
| Assets per employee ($millions) | 6.8368% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 5,384 |
| Loan loss allowance to noncurrent loans | 90.8978% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 4,039 |
| Noncurrent loans to loans | 1.1376% | 3,143 |
| Net loans and leases to total assets | 60.0296% | 3,558 |
| Net loans and leases to deposits | 81.7668% | 2,070 |
| Net loans and leases to core deposits | 87.1058% | 2,184 |
| Total domestic deposits to total assets | 73.4156% | 6,283 |
| Equity capital to assets | 12.7364% | 1,440 |
| Core capital (leverage) ratio | 12.7582% | 1,268 |
| Tier 1 risk-based capital ratio | 23.4977% | 1,075 |
| Total risk-based capital ratio | 24.6575% | 1,070 |
| Memoranda: | ||
| Average total assets | $114,504,000 | 4,403 |
| Average earning assets | $107,995,000 | 4,315 |
| Average equity | $14,775,000 | 3,902 |
| Average total loans | $69,883,000 | 4,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 4,461 |
| Cost of funding earning assets | 0.9171% | 676 |
| Net interest margin | 2.9834% | 5,616 |
| Noninterest income to average assets | 0.0836% | 6,445 |
| Noninterest expense to average assets | 3.9136% | 971 |
| Loan and lease loss provision to assets | 0.0285% | 4,543 |
| Net operating income to assets | -0.6448% | 6,535 |
| Return on assets (ROA) | -0.6412% | 6,537 |
| Pretax return on assets | -1.0409% | 6,598 |
| Return on Equity (ROE) | -4.5006% | 6,472 |
| Retained earnings to average equity (ytd only) | -4.5006% | 6,341 |
| Net charge-offs to loans | -0.0048% | 5,925 |
| Credit loss provision to net charge-offs | -1,033.3333% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.1523% | 96 |
| Assets per employee ($millions) | 6.2657% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,335 |
| Loan loss allowance to noncurrent loans | 84.3750% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 3,974 |
| Noncurrent loans to loans | 1.2473% | 3,045 |
| Net loans and leases to total assets | 60.7703% | 3,576 |
| Net loans and leases to deposits | 87.0136% | 1,576 |
| Net loans and leases to core deposits | 93.1856% | 1,662 |
| Total domestic deposits to total assets | 69.8400% | 6,527 |
| Equity capital to assets | 13.0757% | 1,238 |
| Core capital (leverage) ratio | 13.1194% | 1,096 |
| Tier 1 risk-based capital ratio | 25.0600% | 842 |
| Total risk-based capital ratio | 26.3005% | 837 |
| Memoranda: | ||
| Average total assets | $108,850,000 | 4,523 |
| Average earning assets | $102,601,600 | 4,447 |
| Average equity | $15,509,000 | 3,784 |
| Average total loans | $62,187,200 | 4,539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 4,443 |
| Cost of funding earning assets | 0.9225% | 732 |
| Net interest margin | 2.9941% | 5,610 |
| Noninterest income to average assets | 0.0853% | 6,523 |
| Noninterest expense to average assets | 4.1210% | 749 |
| Loan and lease loss provision to assets | 0.0383% | 4,246 |
| Net operating income to assets | -0.7711% | 6,665 |
| Return on assets (ROA) | -0.7664% | 6,672 |
| Pretax return on assets | -1.2422% | 6,728 |
| Return on Equity (ROE) | -5.2655% | 6,606 |
| Retained earnings to average equity (ytd only) | -5.2655% | 6,506 |
| Net charge-offs to loans | -0.0066% | 5,826 |
| Credit loss provision to net charge-offs | -1,033.3333% | 6,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.6313% | 95 |
| Assets per employee ($millions) | 6.1378% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,532 |
| Loan loss allowance to noncurrent loans | 109.7892% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 4,634 |
| Noncurrent loans to loans | 0.9554% | 3,905 |
| Net loans and leases to total assets | 62.2475% | 3,319 |
| Net loans and leases to deposits | 85.8007% | 1,638 |
| Net loans and leases to core deposits | 92.3832% | 1,735 |
| Total domestic deposits to total assets | 72.5489% | 6,462 |
| Equity capital to assets | 13.6821% | 1,054 |
| Core capital (leverage) ratio | 13.4964% | 1,025 |
| Tier 1 risk-based capital ratio | 25.2530% | 853 |
| Total risk-based capital ratio | 26.4932% | 838 |
| Memoranda: | ||
| Average total assets | $107,867,000 | 4,595 |
| Average earning assets | $101,753,250 | 4,509 |
| Average equity | $15,699,500 | 3,794 |
| Average total loans | $60,417,250 | 4,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,777 |
| Cost of funding earning assets | 0.9334% | 767 |
| Net interest margin | 2.8813% | 5,826 |
| Noninterest income to average assets | 0.0879% | 6,563 |
| Noninterest expense to average assets | 3.9852% | 879 |
| Loan and lease loss provision to assets | 0.0336% | 4,267 |
| Net operating income to assets | -0.7380% | 6,705 |
| Return on assets (ROA) | -0.7309% | 6,711 |
| Pretax return on assets | -1.1963% | 6,768 |
| Return on Equity (ROE) | -4.9201% | 6,640 |
| Retained earnings to average equity (ytd only) | -4.9201% | 6,456 |
| Net charge-offs to loans | -0.0105% | 5,779 |
| Credit loss provision to net charge-offs | -600.0000% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.7553% | 94 |
| Assets per employee ($millions) | 6.0534% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,610 |
| Loan loss allowance to noncurrent loans | 52.4158% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2536% | 3,252 |
| Noncurrent loans to loans | 2.4387% | 1,923 |
| Net loans and leases to total assets | 50.7489% | 5,027 |
| Net loans and leases to deposits | 68.0068% | 4,014 |
| Net loans and leases to core deposits | 73.8583% | 3,835 |
| Total domestic deposits to total assets | 74.6233% | 6,391 |
| Equity capital to assets | 14.0792% | 945 |
| Core capital (leverage) ratio | 13.8943% | 848 |
| Tier 1 risk-based capital ratio | 27.1525% | 681 |
| Total risk-based capital ratio | 28.4028% | 668 |
| Memoranda: | ||
| Average total assets | $106,996,000 | 4,641 |
| Average earning assets | $101,135,000 | 4,547 |
| Average equity | $15,894,000 | 3,783 |
| Average total loans | $57,389,670 | 4,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 4,711 |
| Cost of funding earning assets | 1.0218% | 544 |
| Net interest margin | 2.8109% | 6,007 |
| Noninterest income to average assets | 0.1094% | 6,540 |
| Noninterest expense to average assets | 3.6448% | 1,346 |
| Loan and lease loss provision to assets | 0.0679% | 3,503 |
| Net operating income to assets | -0.5694% | 6,701 |
| Return on assets (ROA) | -0.5622% | 6,721 |
| Pretax return on assets | -0.9244% | 6,786 |
| Return on Equity (ROE) | -3.6857% | 6,638 |
| Retained earnings to average equity (ytd only) | -3.6857% | 6,252 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.2500% | 141 |
| Assets per employee ($millions) | 5.8393% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 4,966 |
| Loan loss allowance to noncurrent loans | 51.3319% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 3,315 |
| Noncurrent loans to loans | 2.4291% | 2,127 |
| Net loans and leases to total assets | 53.7253% | 4,460 |
| Net loans and leases to deposits | 63.7600% | 4,345 |
| Net loans and leases to core deposits | 70.0730% | 4,073 |
| Total domestic deposits to total assets | 84.2618% | 4,368 |
| Equity capital to assets | 15.2835% | 687 |
| Core capital (leverage) ratio | 14.9059% | 605 |
| Tier 1 risk-based capital ratio | 27.8553% | 649 |
| Total risk-based capital ratio | 29.1054% | 635 |
| Memoranda: | ||
| Average total assets | $106,013,000 | 4,718 |
| Average earning assets | $100,608,000 | 4,604 |
| Average equity | $16,170,500 | 3,792 |
| Average total loans | $58,078,000 | 4,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 5,128 |
| Cost of funding earning assets | 1.1388% | 773 |
| Net interest margin | 2.9155% | 6,198 |
| Noninterest income to average assets | -0.0976% | 6,914 |
| Noninterest expense to average assets | 2.8644% | 3,792 |
| Loan and lease loss provision to assets | 0.1692% | 3,506 |
| Net operating income to assets | -0.2247% | 6,389 |
| Return on assets (ROA) | -0.1915% | 6,440 |
| Pretax return on assets | -0.2937% | 6,473 |
| Return on Equity (ROE) | -1.2235% | 6,401 |
| Retained earnings to average equity (ytd only) | -1.2235% | 6,046 |
| Net charge-offs to loans | 0.3493% | 2,888 |
| Credit loss provision to net charge-offs | 83.4862% | 3,714 |
| Earnings coverage of net charge-offs (x) | -0.8670% | 5,738 |
| Efficiency ratio | 106.5330% | 399 |
| Assets per employee ($millions) | 5.6273% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,219 |
| Loan loss allowance to noncurrent loans | 48.9437% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 3,423 |
| Noncurrent loans to loans | 2.4078% | 2,217 |
| Net loans and leases to total assets | 54.5076% | 4,545 |
| Net loans and leases to deposits | 65.0239% | 4,420 |
| Net loans and leases to core deposits | 71.1379% | 4,151 |
| Total domestic deposits to total assets | 83.8270% | 4,396 |
| Equity capital to assets | 15.2237% | 696 |
| Core capital (leverage) ratio | 14.7925% | 608 |
| Tier 1 risk-based capital ratio | 27.5026% | 662 |
| Total risk-based capital ratio | 28.7130% | 644 |
| Memoranda: | ||
| Average total assets | $107,596,200 | 4,647 |
| Average earning assets | $102,830,800 | 4,520 |
| Average equity | $16,837,200 | 3,653 |
| Average total loans | $62,412,800 | 4,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 3,922 |
| Cost of funding earning assets | 1.1649% | 811 |
| Net interest margin | 3.2658% | 5,495 |
| Noninterest income to average assets | 0.0718% | 6,730 |
| Noninterest expense to average assets | 2.6959% | 4,385 |
| Loan and lease loss provision to assets | 0.0582% | 5,006 |
| Net operating income to assets | 0.1967% | 5,927 |
| Return on assets (ROA) | 0.1967% | 6,093 |
| Pretax return on assets | 0.4429% | 5,615 |
| Return on Equity (ROE) | 1.2487% | 6,203 |
| Retained earnings to average equity (ytd only) | 1.2487% | 5,673 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3266% | 1,552 |
| Assets per employee ($millions) | 5.9933% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,971 |
| Loan loss allowance to noncurrent loans | 76.3494% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 4,399 |
| Noncurrent loans to loans | 1.6582% | 3,304 |
| Net loans and leases to total assets | 56.2412% | 4,409 |
| Net loans and leases to deposits | 67.0583% | 4,330 |
| Net loans and leases to core deposits | 73.0930% | 4,104 |
| Total domestic deposits to total assets | 83.8691% | 4,289 |
| Equity capital to assets | 15.6915% | 665 |
| Core capital (leverage) ratio | 15.5125% | 534 |
| Tier 1 risk-based capital ratio | 29.1606% | 572 |
| Total risk-based capital ratio | 30.4117% | 566 |
| Memoranda: | ||
| Average total assets | $107,765,500 | 4,692 |
| Average earning assets | $103,126,750 | 4,569 |
| Average equity | $16,977,250 | 3,659 |
| Average total loans | $63,272,500 | 4,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 2,590 |
| Cost of funding earning assets | 1.2060% | 793 |
| Net interest margin | 3.5716% | 4,380 |
| Noninterest income to average assets | 0.0947% | 6,694 |
| Noninterest expense to average assets | 2.3727% | 5,556 |
| Loan and lease loss provision to assets | 0.0873% | 4,492 |
| Net operating income to assets | 0.6349% | 4,197 |
| Return on assets (ROA) | 0.6349% | 4,443 |
| Pretax return on assets | 1.0601% | 3,463 |
| Return on Equity (ROE) | 4.0250% | 5,253 |
| Retained earnings to average equity (ytd only) | 4.0250% | 3,930 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4051% | 4,256 |
| Assets per employee ($millions) | 5.9862% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,108 |
| Loan loss allowance to noncurrent loans | 312.4498% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 6,195 |
| Noncurrent loans to loans | 0.4015% | 5,731 |
| Net loans and leases to total assets | 56.8403% | 4,349 |
| Net loans and leases to deposits | 68.0020% | 4,203 |
| Net loans and leases to core deposits | 73.9240% | 4,048 |
| Total domestic deposits to total assets | 83.5862% | 4,493 |
| Equity capital to assets | 15.7780% | 627 |
| Core capital (leverage) ratio | 15.8738% | 475 |
| Tier 1 risk-based capital ratio | 29.4024% | 549 |
| Total risk-based capital ratio | 30.6530% | 536 |
| Memoranda: | ||
| Average total assets | $107,727,330 | 4,724 |
| Average earning assets | $103,314,670 | 4,591 |
| Average equity | $16,993,670 | 3,644 |
| Average total loans | $63,879,670 | 4,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 3,120 |
| Cost of funding earning assets | 1.2452% | 796 |
| Net interest margin | 3.4377% | 4,968 |
| Noninterest income to average assets | 0.1003% | 6,746 |
| Noninterest expense to average assets | 2.0721% | 6,330 |
| Loan and lease loss provision to assets | 0.1745% | 3,223 |
| Net operating income to assets | 0.6276% | 4,229 |
| Return on assets (ROA) | 0.6276% | 4,439 |
| Pretax return on assets | 1.1549% | 3,092 |
| Return on Equity (ROE) | 3.9788% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.9788% | 4,198 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9170% | 5,468 |
| Assets per employee ($millions) | 5.6722% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,436 |
| Loan loss allowance to noncurrent loans | 106.2842% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 5,199 |
| Noncurrent loans to loans | 1.1396% | 4,432 |
| Net loans and leases to total assets | 58.8771% | 3,888 |
| Net loans and leases to deposits | 70.2123% | 3,710 |
| Net loans and leases to core deposits | 76.5730% | 3,547 |
| Total domestic deposits to total assets | 83.8557% | 4,564 |
| Equity capital to assets | 15.6534% | 627 |
| Core capital (leverage) ratio | 15.6927% | 503 |
| Tier 1 risk-based capital ratio | 28.4067% | 610 |
| Total risk-based capital ratio | 29.6558% | 600 |
| Memoranda: | ||
| Average total assets | $107,715,500 | 4,756 |
| Average earning assets | $103,441,000 | 4,621 |
| Average equity | $16,990,000 | 3,650 |
| Average total loans | $64,807,500 | 4,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 4,703 |
| Cost of funding earning assets | 1.2163% | 1,923 |
| Net interest margin | 3.3755% | 5,561 |
| Noninterest income to average assets | 0.1535% | 6,381 |
| Noninterest expense to average assets | 2.3468% | 5,917 |
| Loan and lease loss provision to assets | 0.4055% | 2,564 |
| Net operating income to assets | 0.1352% | 5,774 |
| Return on assets (ROA) | 0.1352% | 5,907 |
| Pretax return on assets | 0.6139% | 4,647 |
| Return on Equity (ROE) | 0.7842% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.7842% | 5,487 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7162% | 4,020 |
| Assets per employee ($millions) | 5.9811% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 6,867 |
| Loan loss allowance to noncurrent loans | 105.3333% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 5,928 |
| Noncurrent loans to loans | 0.6882% | 5,327 |
| Net loans and leases to total assets | 60.2922% | 3,935 |
| Net loans and leases to deposits | 72.6136% | 3,720 |
| Net loans and leases to core deposits | 79.7175% | 3,482 |
| Total domestic deposits to total assets | 83.0316% | 4,738 |
| Equity capital to assets | 15.8928% | 594 |
| Core capital (leverage) ratio | 15.9392% | 468 |
| Tier 1 risk-based capital ratio | 29.0745% | 564 |
| Total risk-based capital ratio | 29.8769% | 569 |
| Memoranda: | ||
| Average total assets | $98,391,000 | 4,936 |
| Average earning assets | $93,645,200 | 4,818 |
| Average equity | $16,959,800 | 3,586 |
| Average total loans | $52,449,800 | 5,172 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 5,451 |
| Cost of funding earning assets | 1.1817% | 2,437 |
| Net interest margin | 3.2617% | 5,980 |
| Noninterest income to average assets | 0.1749% | 6,335 |
| Noninterest expense to average assets | 2.4564% | 5,602 |
| Loan and lease loss provision to assets | 0.5648% | 1,740 |
| Net operating income to assets | -0.1221% | 6,305 |
| Return on assets (ROA) | -0.1221% | 6,389 |
| Pretax return on assets | 0.2526% | 5,804 |
| Return on Equity (ROE) | -0.6933% | 6,341 |
| Retained earnings to average equity (ytd only) | -0.6933% | 6,101 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0318% | 2,991 |
| Assets per employee ($millions) | 5.9774% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 6,899 |
| Loan loss allowance to noncurrent loans | 88.7661% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 5,826 |
| Noncurrent loans to loans | 0.8438% | 5,185 |
| Net loans and leases to total assets | 59.3589% | 4,260 |
| Net loans and leases to deposits | 73.1687% | 3,781 |
| Net loans and leases to core deposits | 79.7557% | 3,676 |
| Total domestic deposits to total assets | 81.1261% | 5,391 |
| Equity capital to assets | 15.7064% | 686 |
| Core capital (leverage) ratio | 15.7198% | 546 |
| Tier 1 risk-based capital ratio | 29.1039% | 592 |
| Total risk-based capital ratio | 29.9313% | 604 |
| Memoranda: | ||
| Average total assets | $96,074,000 | 5,037 |
| Average earning assets | $91,280,750 | 4,917 |
| Average equity | $16,922,250 | 3,603 |
| Average total loans | $49,216,250 | 5,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 5,822 |
| Cost of funding earning assets | 1.1639% | 2,816 |
| Net interest margin | 3.1972% | 6,169 |
| Noninterest income to average assets | 0.1952% | 6,271 |
| Noninterest expense to average assets | 2.5587% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3708% | 5,081 |
| Return on assets (ROA) | 0.3708% | 5,223 |
| Pretax return on assets | 0.6744% | 4,482 |
| Return on Equity (ROE) | 2.0201% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.0201% | 4,970 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1415% | 2,532 |
| Assets per employee ($millions) | 5.4560% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1391% | 7,412 |
| Loan loss allowance to noncurrent loans | 10.6232% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,467 |
| Noncurrent loans to loans | 1.3093% | 4,457 |
| Net loans and leases to total assets | 54.8295% | 5,173 |
| Net loans and leases to deposits | 67.3896% | 4,801 |
| Net loans and leases to core deposits | 72.1800% | 4,791 |
| Total domestic deposits to total assets | 81.3620% | 5,400 |
| Equity capital to assets | 17.4996% | 425 |
| Core capital (leverage) ratio | 17.4903% | 368 |
| Tier 1 risk-based capital ratio | 34.0044% | 386 |
| Total risk-based capital ratio | 34.1526% | 409 |
| Memoranda: | ||
| Average total assets | $92,234,330 | 5,200 |
| Average earning assets | $87,639,670 | 5,075 |
| Average equity | $16,930,000 | 3,584 |
| Average total loans | $44,172,330 | 5,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 6,271 |
| Cost of funding earning assets | 1.1257% | 3,325 |
| Net interest margin | 3.0791% | 6,400 |
| Noninterest income to average assets | 0.1882% | 6,376 |
| Noninterest expense to average assets | 2.5188% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3227% | 5,299 |
| Return on assets (ROA) | 0.3227% | 5,377 |
| Pretax return on assets | 0.5871% | 4,736 |
| Return on Equity (ROE) | 1.7141% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.7141% | 5,094 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0967% | 2,355 |
| Assets per employee ($millions) | 5.0756% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1726% | 7,455 |
| Loan loss allowance to noncurrent loans | 16.6667% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,995 |
| Noncurrent loans to loans | 1.0359% | 4,987 |
| Net loans and leases to total assets | 47.4683% | 6,140 |
| Net loans and leases to deposits | 59.3637% | 5,783 |
| Net loans and leases to core deposits | 63.4438% | 5,786 |
| Total domestic deposits to total assets | 79.9617% | 5,959 |
| Equity capital to assets | 18.3855% | 346 |
| Core capital (leverage) ratio | 18.5868% | 293 |
| Tier 1 risk-based capital ratio | 50.1087% | 145 |
| Total risk-based capital ratio | 50.3290% | 147 |
| Memoranda: | ||
| Average total assets | $89,247,500 | 5,314 |
| Average earning assets | $84,569,500 | 5,206 |
| Average equity | $16,802,000 | 3,592 |
| Average total loans | $39,297,500 | 5,880 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 7,077 |
| Cost of funding earning assets | 1.2452% | 4,248 |
| Net interest margin | 2.8182% | 7,006 |
| Noninterest income to average assets | 0.3697% | 5,140 |
| Noninterest expense to average assets | 2.6492% | 5,223 |
| Loan and lease loss provision to assets | 0.0313% | 6,822 |
| Net operating income to assets | 0.2743% | 5,023 |
| Return on assets (ROA) | 0.3659% | 4,842 |
| Pretax return on assets | 0.5125% | 4,578 |
| Return on Equity (ROE) | 1.7457% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.7457% | 4,632 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4622% | 1,641 |
| Assets per employee ($millions) | 4.8408% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2134% | 7,519 |
| Loan loss allowance to noncurrent loans | 16.6667% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 5,995 |
| Noncurrent loans to loans | 1.2801% | 4,574 |
| Net loans and leases to total assets | 40.2571% | 6,946 |
| Net loans and leases to deposits | 51.0716% | 6,803 |
| Net loans and leases to core deposits | 55.0502% | 6,749 |
| Total domestic deposits to total assets | 78.8248% | 6,128 |
| Equity capital to assets | 19.2885% | 304 |
| Core capital (leverage) ratio | 19.4221% | 266 |
| Tier 1 risk-based capital ratio | 50.2886% | 144 |
| Total risk-based capital ratio | 50.5107% | 149 |
| Memoranda: | ||
| Average total assets | $79,797,600 | 5,600 |
| Average earning assets | $76,290,000 | 5,473 |
| Average equity | $16,726,400 | 3,640 |
| Average total loans | $28,119,200 | 6,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 7,245 |
| Cost of funding earning assets | 1.2453% | 4,599 |
| Net interest margin | 2.8082% | 7,120 |
| Noninterest income to average assets | 0.1642% | 6,690 |
| Noninterest expense to average assets | 2.6610% | 5,059 |
| Loan and lease loss provision to assets | 0.0428% | 6,660 |
| Net operating income to assets | 0.1105% | 5,746 |
| Return on assets (ROA) | 0.2275% | 5,584 |
| Pretax return on assets | 0.3147% | 5,466 |
| Return on Equity (ROE) | 1.0615% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.0615% | 5,393 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1737% | 1,047 |
| Assets per employee ($millions) | 4.7342% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2423% | 7,622 |
| Loan loss allowance to noncurrent loans | 16.6667% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 6,105 |
| Noncurrent loans to loans | 1.4540% | 4,441 |
| Net loans and leases to total assets | 36.2319% | 7,257 |
| Net loans and leases to deposits | 46.3276% | 7,160 |
| Net loans and leases to core deposits | 50.0430% | 7,121 |
| Total domestic deposits to total assets | 78.2081% | 6,216 |
| Equity capital to assets | 19.6726% | 304 |
| Core capital (leverage) ratio | 19.3636% | 275 |
| Tier 1 risk-based capital ratio | 51.9534% | 146 |
| Total risk-based capital ratio | 52.1903% | 149 |
| Memoranda: | ||
| Average total assets | $77,963,250 | 5,715 |
| Average earning assets | $74,732,750 | 5,582 |
| Average equity | $16,706,250 | 3,697 |
| Average total loans | $26,360,750 | 6,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 7,258 |
| Cost of funding earning assets | 1.2573% | 4,782 |
| Net interest margin | 2.8668% | 7,058 |
| Noninterest income to average assets | 0.1403% | 6,882 |
| Noninterest expense to average assets | 2.6474% | 5,139 |
| Loan and lease loss provision to assets | 0.0662% | 6,288 |
| Net operating income to assets | 0.1314% | 5,781 |
| Return on assets (ROA) | 0.2992% | 5,338 |
| Pretax return on assets | 0.4183% | 5,165 |
| Return on Equity (ROE) | 1.3543% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.3543% | 5,205 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3242% | 1,234 |
| Assets per employee ($millions) | 4.4272% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2720% | 7,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 34.5075% | 7,404 |
| Net loans and leases to deposits | 44.2120% | 7,315 |
| Net loans and leases to core deposits | 47.0583% | 7,317 |
| Total domestic deposits to total assets | 78.0499% | 6,260 |
| Equity capital to assets | 20.9612% | 240 |
| Core capital (leverage) ratio | 20.7175% | 212 |
| Tier 1 risk-based capital ratio | 62.4464% | 99 |
| Total risk-based capital ratio | 62.7310% | 101 |
| Memoranda: | ||
| Average total assets | $75,546,000 | 5,817 |
| Average earning assets | $72,695,330 | 5,684 |
| Average equity | $16,687,000 | 3,687 |
| Average total loans | $24,831,000 | 6,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 7,327 |
| Cost of funding earning assets | 1.2564% | 5,080 |
| Net interest margin | 2.8919% | 7,030 |
| Noninterest income to average assets | 0.1415% | 6,962 |
| Noninterest expense to average assets | 2.5914% | 5,386 |
| Loan and lease loss provision to assets | 0.1361% | 5,201 |
| Net operating income to assets | 0.1534% | 5,844 |
| Return on assets (ROA) | 0.4845% | 4,606 |
| Pretax return on assets | 0.6261% | 4,504 |
| Return on Equity (ROE) | 2.1345% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.1345% | 4,854 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6406% | 1,532 |
| Assets per employee ($millions) | 5.0417% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3086% | 7,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.0340% | 7,561 |
| Net loans and leases to deposits | 41.5633% | 7,469 |
| Net loans and leases to core deposits | 44.1726% | 7,480 |
| Total domestic deposits to total assets | 77.0727% | 6,545 |
| Equity capital to assets | 22.1128% | 203 |
| Core capital (leverage) ratio | 21.8181% | 190 |
| Tier 1 risk-based capital ratio | 69.6083% | 86 |
| Total risk-based capital ratio | 69.9259% | 86 |
| Memoranda: | ||
| Average total assets | $73,474,000 | 5,954 |
| Average earning assets | $70,679,500 | 5,826 |
| Average equity | $16,678,500 | 3,723 |
| Average total loans | $23,459,500 | 6,972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 7,616 |
| Cost of funding earning assets | 1.2964% | 6,318 |
| Net interest margin | 2.8855% | 6,890 |
| Noninterest income to average assets | 0.2010% | 6,663 |
| Noninterest expense to average assets | 2.7802% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1045% | 5,202 |
| Return on assets (ROA) | 0.1170% | 5,216 |
| Pretax return on assets | 0.1920% | 5,023 |
| Return on Equity (ROE) | 0.4699% | 5,401 |
| Retained earnings to average equity (ytd only) | 0.4699% | 4,644 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1565% | 1,405 |
| Assets per employee ($millions) | 5.4863% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2211% | 7,875 |
| Loan loss allowance to noncurrent loans | 30.1205% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 6,886 |
| Noncurrent loans to loans | 0.7339% | 5,788 |
| Net loans and leases to total assets | 31.6424% | 7,671 |
| Net loans and leases to deposits | 41.8321% | 7,573 |
| Net loans and leases to core deposits | 58.8459% | 7,310 |
| Total domestic deposits to total assets | 75.6415% | 6,748 |
| Equity capital to assets | 23.3224% | 199 |
| Core capital (leverage) ratio | 23.0148% | 193 |
| Tier 1 risk-based capital ratio | 73.4291% | 82 |
| Total risk-based capital ratio | 73.6537% | 83 |
| Memoranda: | ||
| Average total assets | $66,650,200 | 6,124 |
| Average earning assets | $63,559,000 | 6,016 |
| Average equity | $16,597,800 | 3,760 |
| Average total loans | $19,296,200 | 7,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 7,723 |
| Cost of funding earning assets | 1.2893% | 6,585 |
| Net interest margin | 2.9078% | 6,840 |
| Noninterest income to average assets | 0.1486% | 7,117 |
| Noninterest expense to average assets | 2.7447% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0531% | 5,601 |
| Return on assets (ROA) | -0.0081% | 5,783 |
| Pretax return on assets | 0.0774% | 5,562 |
| Return on Equity (ROE) | -0.0321% | 5,779 |
| Retained earnings to average equity (ytd only) | -0.0321% | 5,212 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0684% | 1,392 |
| Assets per employee ($millions) | 5.2488% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 7,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 30.0374% | 7,806 |
| Net loans and leases to deposits | 40.4173% | 7,719 |
| Net loans and leases to core deposits | 66.3946% | 7,143 |
| Total domestic deposits to total assets | 74.3182% | 6,892 |
| Equity capital to assets | 24.2573% | 189 |
| Core capital (leverage) ratio | 23.9397% | 189 |
| Tier 1 risk-based capital ratio | 76.9963% | 78 |
| Total risk-based capital ratio | 77.2329% | 78 |
| Memoranda: | ||
| Average total assets | $65,482,250 | 6,194 |
| Average earning assets | $62,359,500 | 6,094 |
| Average equity | $16,588,750 | 3,787 |
| Average total loans | $18,465,750 | 7,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 7,822 |
| Cost of funding earning assets | 1.2745% | 6,886 |
| Net interest margin | 2.9369% | 6,715 |
| Noninterest income to average assets | 0.1518% | 7,186 |
| Noninterest expense to average assets | 2.5835% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2292% | 5,160 |
| Return on assets (ROA) | 0.2292% | 5,249 |
| Pretax return on assets | 0.3593% | 5,047 |
| Return on Equity (ROE) | 0.8915% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.8915% | 4,824 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7895% | 2,041 |
| Assets per employee ($millions) | 5.5477% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 8,021 |
| Loan loss allowance to noncurrent loans | 29.7619% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 6,845 |
| Noncurrent loans to loans | 0.8804% | 5,450 |
| Net loans and leases to total assets | 28.5901% | 7,919 |
| Net loans and leases to deposits | 38.8555% | 7,846 |
| Net loans and leases to core deposits | 52.2583% | 7,701 |
| Total domestic deposits to total assets | 73.5805% | 7,027 |
| Equity capital to assets | 24.9805% | 202 |
| Core capital (leverage) ratio | 24.9805% | 206 |
| Tier 1 risk-based capital ratio | 83.3125% | 79 |
| Total risk-based capital ratio | 83.5629% | 79 |
| Memoranda: | ||
| Average total assets | $64,564,670 | 6,279 |
| Average earning assets | $61,357,670 | 6,169 |
| Average equity | $16,601,000 | 3,795 |
| Average total loans | $17,772,330 | 7,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 7,862 |
| Cost of funding earning assets | 1.2281% | 7,229 |
| Net interest margin | 3.0470% | 6,349 |
| Noninterest income to average assets | 0.1447% | 7,257 |
| Noninterest expense to average assets | 2.5173% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3713% | 4,973 |
| Return on assets (ROA) | 0.3713% | 5,156 |
| Pretax return on assets | 0.5160% | 5,033 |
| Return on Equity (ROE) | 1.4228% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.4228% | 5,063 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9876% | 2,409 |
| Assets per employee ($millions) | 5.3834% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2878% | 8,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.8154% | 7,986 |
| Net loans and leases to deposits | 36.9620% | 7,921 |
| Net loans and leases to core deposits | 48.4994% | 7,823 |
| Total domestic deposits to total assets | 72.5484% | 7,125 |
| Equity capital to assets | 25.7210% | 206 |
| Core capital (leverage) ratio | 25.7210% | 215 |
| Tier 1 risk-based capital ratio | 83.4178% | 82 |
| Total risk-based capital ratio | 83.6689% | 82 |
| Memoranda: | ||
| Average total assets | $63,561,000 | 6,336 |
| Average earning assets | $60,256,000 | 6,252 |
| Average equity | $16,586,500 | 3,815 |
| Average total loans | $17,117,000 | 7,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 7,658 |
| Cost of funding earning assets | 1.1332% | 7,987 |
| Net interest margin | 4.0985% | 2,717 |
| Noninterest income to average assets | 0.1139% | 7,551 |
| Noninterest expense to average assets | 2.9410% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5211% | 4,647 |
| Return on assets (ROA) | -0.7520% | 7,008 |
| Pretax return on assets | -0.4522% | 6,610 |
| Return on Equity (ROE) | -2.6634% | 6,582 |
| Retained earnings to average equity (ytd only) | -2.6634% | 6,031 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4592% | 3,001 |
| Assets per employee ($millions) | 5.2101% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2965% | 8,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 26.8886% | 8,055 |
| Net loans and leases to deposits | 37.6346% | 7,985 |
| Net loans and leases to core deposits | 47.6624% | 7,933 |
| Total domestic deposits to total assets | 71.4464% | 7,096 |
| Equity capital to assets | 26.4823% | 233 |
| Core capital (leverage) ratio | 26.4823% | 232 |
| Tier 1 risk-based capital ratio | 84.5306% | 93 |
| Total risk-based capital ratio | 84.7858% | 95 |
| Memoranda: | ||
| Average total assets | $59,707,800 | 6,390 |
| Average earning assets | $53,653,400 | 6,431 |
| Average equity | $16,858,400 | 3,763 |
| Average total loans | $16,398,400 | 7,557 |