Home > Blue Ridge Bank > Performance and Condition Ratios
Blue Ridge Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 1,655 |
| Cost of funding earning assets | 0.8025% | 497 |
| Net interest margin | 3.6602% | 2,856 |
| Noninterest income to average assets | 0.3600% | 4,201 |
| Noninterest expense to average assets | 2.2972% | 4,539 |
| Loan and lease loss provision to assets | 0.2366% | 819 |
| Net operating income to assets | 0.9246% | 2,784 |
| Return on assets (ROA) | 0.9246% | 2,911 |
| Pretax return on assets | 1.3104% | 2,390 |
| Return on Equity (ROE) | 8.6778% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.6778% | 918 |
| Net charge-offs to loans | 0.5058% | 426 |
| Credit loss provision to net charge-offs | 57.4246% | 2,940 |
| Earnings coverage of net charge-offs (x) | 3.7541% | 3,365 |
| Efficiency ratio | 59.7562% | 4,579 |
| Assets per employee ($millions) | 6.7358% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 5,167 |
| Loan loss allowance to noncurrent loans | 497.4874% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,898 |
| Noncurrent loans to loans | 0.1626% | 4,703 |
| Net loans and leases to total assets | 81.9277% | 632 |
| Net loans and leases to deposits | 103.0519% | 502 |
| Net loans and leases to core deposits | 117.3253% | 600 |
| Total domestic deposits to total assets | 79.5014% | 4,619 |
| Equity capital to assets | 10.3544% | 3,740 |
| Core capital (leverage) ratio | 10.5641% | 2,916 |
| Tier 1 risk-based capital ratio | 14.5337% | 3,273 |
| Total risk-based capital ratio | 15.4813% | 3,364 |
| Memoranda: | ||
| Average total assets | $278,888,000 | 2,299 |
| Average earning assets | $265,483,000 | 2,256 |
| Average equity | $29,715,000 | 2,382 |
| Average total loans | $227,235,250 | 1,927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,569 |
| Cost of funding earning assets | 0.8014% | 489 |
| Net interest margin | 3.6817% | 2,774 |
| Noninterest income to average assets | 0.3875% | 3,971 |
| Noninterest expense to average assets | 2.3021% | 4,610 |
| Loan and lease loss provision to assets | 0.1465% | 1,562 |
| Net operating income to assets | 1.0166% | 2,315 |
| Return on assets (ROA) | 1.0166% | 2,450 |
| Pretax return on assets | 1.4451% | 1,854 |
| Return on Equity (ROE) | 9.4452% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.4452% | 734 |
| Net charge-offs to loans | 0.1075% | 1,750 |
| Credit loss provision to net charge-offs | 168.0672% | 1,471 |
| Earnings coverage of net charge-offs (x) | 18.2605% | 1,836 |
| Efficiency ratio | 59.1234% | 4,751 |
| Assets per employee ($millions) | 6.0132% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 4,127 |
| Loan loss allowance to noncurrent loans | 707.8717% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 5,027 |
| Noncurrent loans to loans | 0.1507% | 4,834 |
| Net loans and leases to total assets | 79.6679% | 958 |
| Net loans and leases to deposits | 99.9405% | 700 |
| Net loans and leases to core deposits | 114.2417% | 715 |
| Total domestic deposits to total assets | 79.7153% | 4,622 |
| Equity capital to assets | 10.6853% | 3,421 |
| Core capital (leverage) ratio | 10.7850% | 2,669 |
| Tier 1 risk-based capital ratio | 15.0364% | 3,062 |
| Total risk-based capital ratio | 16.2606% | 3,016 |
| Memoranda: | ||
| Average total assets | $273,058,670 | 2,354 |
| Average earning assets | $260,045,000 | 2,300 |
| Average equity | $29,390,670 | 2,407 |
| Average total loans | $221,382,330 | 1,972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,586 |
| Cost of funding earning assets | 0.8066% | 481 |
| Net interest margin | 3.6674% | 2,817 |
| Noninterest income to average assets | 0.3310% | 4,364 |
| Noninterest expense to average assets | 2.3245% | 4,592 |
| Loan and lease loss provision to assets | 0.1342% | 1,571 |
| Net operating income to assets | 0.9647% | 2,440 |
| Return on assets (ROA) | 0.9647% | 2,552 |
| Pretax return on assets | 1.3702% | 2,005 |
| Return on Equity (ROE) | 8.9283% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.9283% | 1,136 |
| Net charge-offs to loans | 0.0660% | 1,833 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 28.0278% | 1,226 |
| Efficiency ratio | 60.7087% | 4,646 |
| Assets per employee ($millions) | 5.8634% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 4,097 |
| Loan loss allowance to noncurrent loans | 633.5092% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 5,015 |
| Noncurrent loans to loans | 0.1723% | 4,794 |
| Net loans and leases to total assets | 80.6623% | 720 |
| Net loans and leases to deposits | 102.1682% | 499 |
| Net loans and leases to core deposits | 111.4201% | 787 |
| Total domestic deposits to total assets | 78.9505% | 4,975 |
| Equity capital to assets | 10.8999% | 3,044 |
| Core capital (leverage) ratio | 10.7949% | 2,628 |
| Tier 1 risk-based capital ratio | 15.2291% | 3,047 |
| Total risk-based capital ratio | 16.4790% | 2,985 |
| Memoranda: | ||
| Average total assets | $268,277,000 | 2,404 |
| Average earning assets | $255,879,500 | 2,340 |
| Average equity | $28,986,500 | 2,434 |
| Average total loans | $218,280,000 | 1,998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,722 |
| Cost of funding earning assets | 0.8118% | 464 |
| Net interest margin | 3.6468% | 2,953 |
| Noninterest income to average assets | 0.4649% | 3,564 |
| Noninterest expense to average assets | 2.3125% | 4,746 |
| Loan and lease loss provision to assets | 0.1276% | 1,894 |
| Net operating income to assets | 1.0586% | 2,087 |
| Return on assets (ROA) | 1.0586% | 2,171 |
| Pretax return on assets | 1.4996% | 1,558 |
| Return on Equity (ROE) | 9.8690% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.8690% | 480 |
| Net charge-offs to loans | 0.0470% | 3,277 |
| Credit loss provision to net charge-offs | 340.4255% | 880 |
| Earnings coverage of net charge-offs (x) | 43.4149% | 1,098 |
| Efficiency ratio | 58.6985% | 5,065 |
| Assets per employee ($millions) | 5.9297% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 4,124 |
| Loan loss allowance to noncurrent loans | 578.0788% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 4,893 |
| Noncurrent loans to loans | 0.1874% | 4,735 |
| Net loans and leases to total assets | 80.2932% | 801 |
| Net loans and leases to deposits | 107.0131% | 327 |
| Net loans and leases to core deposits | 115.9422% | 600 |
| Total domestic deposits to total assets | 75.0312% | 5,553 |
| Equity capital to assets | 10.7084% | 3,122 |
| Core capital (leverage) ratio | 10.8572% | 2,551 |
| Tier 1 risk-based capital ratio | 15.2041% | 3,077 |
| Total risk-based capital ratio | 16.4542% | 3,014 |
| Memoranda: | ||
| Average total assets | $250,806,000 | 2,497 |
| Average earning assets | $238,977,400 | 2,438 |
| Average equity | $26,902,400 | 2,559 |
| Average total loans | $200,027,200 | 2,070 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 1,743 |
| Cost of funding earning assets | 0.8192% | 442 |
| Net interest margin | 3.6354% | 3,016 |
| Noninterest income to average assets | 0.4511% | 3,709 |
| Noninterest expense to average assets | 2.3236% | 4,725 |
| Loan and lease loss provision to assets | 0.1243% | 1,828 |
| Net operating income to assets | 1.0313% | 2,323 |
| Return on assets (ROA) | 1.0313% | 2,413 |
| Pretax return on assets | 1.4651% | 1,781 |
| Return on Equity (ROE) | 9.6104% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.6104% | 709 |
| Net charge-offs to loans | 0.0511% | 2,879 |
| Credit loss provision to net charge-offs | 306.6667% | 947 |
| Earnings coverage of net charge-offs (x) | 39.2257% | 1,263 |
| Efficiency ratio | 59.3815% | 4,960 |
| Assets per employee ($millions) | 5.8447% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,332 |
| Loan loss allowance to noncurrent loans | 580.6122% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 5,038 |
| Noncurrent loans to loans | 0.1862% | 4,905 |
| Net loans and leases to total assets | 80.9682% | 703 |
| Net loans and leases to deposits | 106.1534% | 361 |
| Net loans and leases to core deposits | 117.5784% | 543 |
| Total domestic deposits to total assets | 76.2748% | 5,446 |
| Equity capital to assets | 10.8242% | 3,217 |
| Core capital (leverage) ratio | 10.8907% | 2,599 |
| Tier 1 risk-based capital ratio | 15.2898% | 3,149 |
| Total risk-based capital ratio | 16.5399% | 3,079 |
| Memoranda: | ||
| Average total assets | $246,798,250 | 2,551 |
| Average earning assets | $235,018,750 | 2,483 |
| Average equity | $26,484,500 | 2,613 |
| Average total loans | $195,884,250 | 2,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 1,817 |
| Cost of funding earning assets | 0.8229% | 442 |
| Net interest margin | 3.5893% | 3,131 |
| Noninterest income to average assets | 0.3888% | 4,167 |
| Noninterest expense to average assets | 2.3999% | 4,547 |
| Loan and lease loss provision to assets | 0.0658% | 2,800 |
| Net operating income to assets | 0.9476% | 2,647 |
| Return on assets (ROA) | 0.9476% | 2,764 |
| Pretax return on assets | 1.3397% | 2,208 |
| Return on Equity (ROE) | 8.8576% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.8576% | 974 |
| Net charge-offs to loans | 0.0408% | 2,869 |
| Credit loss provision to net charge-offs | 205.1282% | 1,206 |
| Earnings coverage of net charge-offs (x) | 43.8462% | 1,057 |
| Efficiency ratio | 63.0670% | 4,506 |
| Assets per employee ($millions) | 5.6242% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 4,354 |
| Loan loss allowance to noncurrent loans | 532.5123% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,096 |
| Noncurrent loans to loans | 0.2055% | 4,947 |
| Net loans and leases to total assets | 78.9543% | 946 |
| Net loans and leases to deposits | 101.4760% | 572 |
| Net loans and leases to core deposits | 115.2782% | 616 |
| Total domestic deposits to total assets | 77.8058% | 5,314 |
| Equity capital to assets | 10.9191% | 2,973 |
| Core capital (leverage) ratio | 10.9655% | 2,461 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,908 |
| Total risk-based capital ratio | 17.1384% | 2,869 |
| Memoranda: | ||
| Average total assets | $243,342,670 | 2,588 |
| Average earning assets | $231,632,000 | 2,528 |
| Average equity | $26,034,000 | 2,655 |
| Average total loans | $191,013,000 | 2,174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 1,912 |
| Cost of funding earning assets | 0.8219% | 442 |
| Net interest margin | 3.5366% | 3,277 |
| Noninterest income to average assets | 0.4111% | 3,913 |
| Noninterest expense to average assets | 2.3922% | 4,620 |
| Loan and lease loss provision to assets | 0.0663% | 2,610 |
| Net operating income to assets | 0.9334% | 2,592 |
| Return on assets (ROA) | 0.9334% | 2,720 |
| Pretax return on assets | 1.3196% | 2,199 |
| Return on Equity (ROE) | 8.8174% | 2,537 |
| Retained earnings to average equity (ytd only) | 8.8174% | 1,263 |
| Net charge-offs to loans | 0.0660% | 2,076 |
| Credit loss provision to net charge-offs | 129.0323% | 1,377 |
| Earnings coverage of net charge-offs (x) | 26.9677% | 1,229 |
| Efficiency ratio | 63.3172% | 4,583 |
| Assets per employee ($millions) | 5.5444% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 4,380 |
| Loan loss allowance to noncurrent loans | 676.1905% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 5,086 |
| Noncurrent loans to loans | 0.1670% | 5,173 |
| Net loans and leases to total assets | 76.4564% | 1,144 |
| Net loans and leases to deposits | 98.4456% | 648 |
| Net loans and leases to core deposits | 112.0505% | 655 |
| Total domestic deposits to total assets | 77.6636% | 5,508 |
| Equity capital to assets | 10.8653% | 3,126 |
| Core capital (leverage) ratio | 10.9798% | 2,429 |
| Tier 1 risk-based capital ratio | 16.2731% | 2,788 |
| Total risk-based capital ratio | 17.5233% | 2,731 |
| Memoranda: | ||
| Average total assets | $241,281,000 | 2,626 |
| Average earning assets | $229,711,000 | 2,558 |
| Average equity | $25,540,500 | 2,700 |
| Average total loans | $187,746,000 | 2,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,429 |
| Cost of funding earning assets | 0.7892% | 682 |
| Net interest margin | 3.5573% | 3,568 |
| Noninterest income to average assets | 0.4370% | 3,921 |
| Noninterest expense to average assets | 2.5186% | 4,485 |
| Loan and lease loss provision to assets | 0.0311% | 3,980 |
| Net operating income to assets | 0.9052% | 2,847 |
| Return on assets (ROA) | 0.9096% | 2,919 |
| Pretax return on assets | 1.2684% | 2,353 |
| Return on Equity (ROE) | 10.2074% | 2,023 |
| Retained earnings to average equity (ytd only) | 8.7107% | 764 |
| Net charge-offs to loans | 0.0118% | 4,663 |
| Credit loss provision to net charge-offs | 350.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 145.4500% | 375 |
| Efficiency ratio | 65.8736% | 4,272 |
| Assets per employee ($millions) | 5.3024% | 1,960 |
| Cash dividends to net income (ytd only)* | 14.6628% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 4,366 |
| Loan loss allowance to noncurrent loans | 858.7045% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 5,265 |
| Noncurrent loans to loans | 0.1322% | 5,369 |
| Net loans and leases to total assets | 77.4167% | 1,086 |
| Net loans and leases to deposits | 100.3586% | 606 |
| Net loans and leases to core deposits | 114.2726% | 592 |
| Total domestic deposits to total assets | 77.1401% | 5,575 |
| Equity capital to assets | 10.2992% | 3,721 |
| Core capital (leverage) ratio | 10.5729% | 2,875 |
| Tier 1 risk-based capital ratio | 15.2239% | 3,364 |
| Total risk-based capital ratio | 16.4745% | 3,314 |
| Memoranda: | ||
| Average total assets | $224,923,600 | 2,736 |
| Average earning assets | $213,391,600 | 2,677 |
| Average equity | $20,044,200 | 3,156 |
| Average total loans | $169,192,200 | 2,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,612 |
| Cost of funding earning assets | 0.7807% | 760 |
| Net interest margin | 3.5239% | 3,739 |
| Noninterest income to average assets | 0.4322% | 4,004 |
| Noninterest expense to average assets | 2.4493% | 4,667 |
| Loan and lease loss provision to assets | 0.0060% | 4,296 |
| Net operating income to assets | 0.9435% | 2,713 |
| Return on assets (ROA) | 0.9474% | 2,785 |
| Pretax return on assets | 1.3243% | 2,290 |
| Return on Equity (ROE) | 11.0970% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.9819% | 1,012 |
| Net charge-offs to loans | 0.0097% | 4,394 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | 183.4119% | 350 |
| Efficiency ratio | 64.6890% | 4,435 |
| Assets per employee ($millions) | 5.0722% | 2,158 |
| Cash dividends to net income (ytd only)* | 19.0598% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,439 |
| Loan loss allowance to noncurrent loans | 617.6119% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 5,392 |
| Noncurrent loans to loans | 0.1880% | 5,345 |
| Net loans and leases to total assets | 77.1694% | 1,070 |
| Net loans and leases to deposits | 98.6005% | 691 |
| Net loans and leases to core deposits | 112.2476% | 650 |
| Total domestic deposits to total assets | 78.2647% | 5,472 |
| Equity capital to assets | 8.6072% | 5,717 |
| Core capital (leverage) ratio | 8.6499% | 5,497 |
| Tier 1 risk-based capital ratio | 12.7477% | 5,010 |
| Total risk-based capital ratio | 13.9987% | 4,919 |
| Memoranda: | ||
| Average total assets | $221,502,000 | 2,788 |
| Average earning assets | $210,065,000 | 2,728 |
| Average equity | $18,911,500 | 3,316 |
| Average total loans | $164,779,000 | 2,398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 2,741 |
| Cost of funding earning assets | 0.7830% | 776 |
| Net interest margin | 3.4762% | 3,873 |
| Noninterest income to average assets | 0.3749% | 4,443 |
| Noninterest expense to average assets | 2.3972% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9161% | 2,725 |
| Return on assets (ROA) | 0.9168% | 2,821 |
| Pretax return on assets | 1.2752% | 2,350 |
| Return on Equity (ROE) | 10.7679% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.5536% | 1,502 |
| Net charge-offs to loans | 0.0112% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 155.2222% | 399 |
| Efficiency ratio | 65.0683% | 4,520 |
| Assets per employee ($millions) | 5.2130% | 1,954 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,157 |
| Loan loss allowance to noncurrent loans | 1,762.3932% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,809 |
| Noncurrent loans to loans | 0.0709% | 5,809 |
| Net loans and leases to total assets | 72.6477% | 1,628 |
| Net loans and leases to deposits | 94.0497% | 953 |
| Net loans and leases to core deposits | 107.3813% | 806 |
| Total domestic deposits to total assets | 77.2439% | 5,772 |
| Equity capital to assets | 8.5167% | 5,787 |
| Core capital (leverage) ratio | 8.3777% | 5,764 |
| Tier 1 risk-based capital ratio | 13.1775% | 4,800 |
| Total risk-based capital ratio | 14.4301% | 4,734 |
| Memoranda: | ||
| Average total assets | $219,252,330 | 2,820 |
| Average earning assets | $207,929,670 | 2,759 |
| Average equity | $18,666,670 | 3,329 |
| Average total loans | $160,302,330 | 2,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,852 |
| Cost of funding earning assets | 0.7600% | 927 |
| Net interest margin | 3.4464% | 3,914 |
| Noninterest income to average assets | 0.3155% | 4,843 |
| Noninterest expense to average assets | 2.2731% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9428% | 2,441 |
| Return on assets (ROA) | 0.9428% | 2,511 |
| Pretax return on assets | 1.3137% | 2,051 |
| Return on Equity (ROE) | 11.0759% | 1,661 |
| Retained earnings to average equity (ytd only) | 4.5734% | 3,378 |
| Net charge-offs to loans | 0.0025% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 712.0000% | 43 |
| Efficiency ratio | 63.1687% | 4,977 |
| Assets per employee ($millions) | 5.3559% | 1,855 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,164 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 5,937 |
| Noncurrent loans to loans | 0.0562% | 5,982 |
| Net loans and leases to total assets | 71.9832% | 1,578 |
| Net loans and leases to deposits | 93.6262% | 826 |
| Net loans and leases to core deposits | 109.0604% | 626 |
| Total domestic deposits to total assets | 76.8836% | 5,979 |
| Equity capital to assets | 8.4780% | 5,675 |
| Core capital (leverage) ratio | 8.6070% | 5,518 |
| Tier 1 risk-based capital ratio | 13.3747% | 4,781 |
| Total risk-based capital ratio | 14.6277% | 4,710 |
| Memoranda: | ||
| Average total assets | $216,798,500 | 2,864 |
| Average earning assets | $205,778,500 | 2,789 |
| Average equity | $18,454,500 | 3,359 |
| Average total loans | $157,999,000 | 2,485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,821 |
| Cost of funding earning assets | 0.7770% | 1,337 |
| Net interest margin | 3.3019% | 4,657 |
| Noninterest income to average assets | 0.4407% | 4,152 |
| Noninterest expense to average assets | 2.2473% | 5,510 |
| Loan and lease loss provision to assets | 0.1454% | 2,480 |
| Net operating income to assets | 0.8541% | 3,012 |
| Return on assets (ROA) | 0.8595% | 3,067 |
| Pretax return on assets | 1.1877% | 2,630 |
| Return on Equity (ROE) | 10.2371% | 2,019 |
| Retained earnings to average equity (ytd only) | 7.4447% | 1,255 |
| Net charge-offs to loans | 0.0136% | 5,181 |
| Credit loss provision to net charge-offs | 1,550.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 141.3500% | 322 |
| Efficiency ratio | 62.6772% | 5,106 |
| Assets per employee ($millions) | 5.4873% | 1,664 |
| Cash dividends to net income (ytd only)* | 27.2777% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,987 |
| Loan loss allowance to noncurrent loans | 7,965.3846% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 6,115 |
| Noncurrent loans to loans | 0.0167% | 6,221 |
| Net loans and leases to total assets | 71.8617% | 1,704 |
| Net loans and leases to deposits | 91.2152% | 1,137 |
| Net loans and leases to core deposits | 107.1380% | 730 |
| Total domestic deposits to total assets | 78.7826% | 5,692 |
| Equity capital to assets | 8.5475% | 5,535 |
| Core capital (leverage) ratio | 8.5666% | 5,589 |
| Tier 1 risk-based capital ratio | 13.7825% | 4,450 |
| Total risk-based capital ratio | 15.0362% | 4,393 |
| Memoranda: | ||
| Average total assets | $213,274,200 | 2,875 |
| Average earning assets | $202,308,600 | 2,805 |
| Average equity | $17,905,400 | 3,430 |
| Average total loans | $147,266,000 | 2,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 4,082 |
| Cost of funding earning assets | 0.7772% | 1,439 |
| Net interest margin | 3.2354% | 4,876 |
| Noninterest income to average assets | 0.4605% | 4,073 |
| Noninterest expense to average assets | 2.1674% | 5,688 |
| Loan and lease loss provision to assets | 0.1377% | 2,569 |
| Net operating income to assets | 0.8779% | 2,945 |
| Return on assets (ROA) | 0.8797% | 3,056 |
| Pretax return on assets | 1.2264% | 2,597 |
| Return on Equity (ROE) | 10.5264% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.0290% | 1,047 |
| Net charge-offs to loans | 0.0165% | 4,795 |
| Credit loss provision to net charge-offs | 1,222.2222% | 262 |
| Earnings coverage of net charge-offs (x) | 120.8858% | 432 |
| Efficiency ratio | 61.1879% | 5,244 |
| Assets per employee ($millions) | 5.5590% | 1,575 |
| Cash dividends to net income (ytd only)* | 14.2247% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,288 |
| Loan loss allowance to noncurrent loans | 615.8385% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,794 |
| Noncurrent loans to loans | 0.2144% | 5,701 |
| Net loans and leases to total assets | 70.1698% | 1,934 |
| Net loans and leases to deposits | 90.5104% | 1,106 |
| Net loans and leases to core deposits | 105.5266% | 785 |
| Total domestic deposits to total assets | 77.5267% | 5,969 |
| Equity capital to assets | 8.6171% | 5,605 |
| Core capital (leverage) ratio | 8.4259% | 5,835 |
| Tier 1 risk-based capital ratio | 13.8355% | 4,548 |
| Total risk-based capital ratio | 15.0890% | 4,497 |
| Memoranda: | ||
| Average total assets | $213,091,750 | 2,910 |
| Average earning assets | $202,089,750 | 2,825 |
| Average equity | $17,808,750 | 3,489 |
| Average total loans | $145,118,000 | 2,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,315 |
| Cost of funding earning assets | 0.7760% | 1,547 |
| Net interest margin | 3.1663% | 5,062 |
| Noninterest income to average assets | 0.5082% | 3,776 |
| Noninterest expense to average assets | 2.1412% | 5,773 |
| Loan and lease loss provision to assets | 0.1591% | 2,330 |
| Net operating income to assets | 0.8658% | 2,967 |
| Return on assets (ROA) | 0.8853% | 3,028 |
| Pretax return on assets | 1.2363% | 2,538 |
| Return on Equity (ROE) | 10.7030% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.4402% | 1,319 |
| Net charge-offs to loans | 0.0209% | 4,423 |
| Credit loss provision to net charge-offs | 1,133.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 97.4667% | 475 |
| Efficiency ratio | 60.7733% | 5,366 |
| Assets per employee ($millions) | 5.6847% | 1,431 |
| Cash dividends to net income (ytd only)* | 21.1416% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,537 |
| Loan loss allowance to noncurrent loans | 599.3808% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 5,856 |
| Noncurrent loans to loans | 0.2159% | 5,762 |
| Net loans and leases to total assets | 68.3460% | 2,175 |
| Net loans and leases to deposits | 90.0485% | 1,141 |
| Net loans and leases to core deposits | 108.4472% | 632 |
| Total domestic deposits to total assets | 75.8991% | 6,260 |
| Equity capital to assets | 8.2188% | 6,043 |
| Core capital (leverage) ratio | 8.3461% | 5,831 |
| Tier 1 risk-based capital ratio | 13.6820% | 4,653 |
| Total risk-based capital ratio | 14.9355% | 4,613 |
| Memoranda: | ||
| Average total assets | $213,708,330 | 2,920 |
| Average earning assets | $202,569,330 | 2,841 |
| Average equity | $17,677,330 | 3,530 |
| Average total loans | $143,420,330 | 2,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 4,363 |
| Cost of funding earning assets | 0.8004% | 1,521 |
| Net interest margin | 3.1303% | 5,160 |
| Noninterest income to average assets | 0.3707% | 4,699 |
| Noninterest expense to average assets | 2.1340% | 5,834 |
| Loan and lease loss provision to assets | 0.1882% | 1,955 |
| Net operating income to assets | 0.7396% | 3,477 |
| Return on assets (ROA) | 0.7396% | 3,613 |
| Pretax return on assets | 1.0143% | 3,286 |
| Return on Equity (ROE) | 8.9121% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.9121% | 1,407 |
| Net charge-offs to loans | 0.0057% | 4,047 |
| Credit loss provision to net charge-offs | 5,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 120 |
| Efficiency ratio | 63.7338% | 5,048 |
| Assets per employee ($millions) | 5.7341% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,612 |
| Loan loss allowance to noncurrent loans | 939.5000% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 5,469 |
| Noncurrent loans to loans | 0.1401% | 6,047 |
| Net loans and leases to total assets | 64.6585% | 2,591 |
| Net loans and leases to deposits | 85.6956% | 1,384 |
| Net loans and leases to core deposits | 105.4386% | 660 |
| Total domestic deposits to total assets | 75.4514% | 6,418 |
| Equity capital to assets | 8.1682% | 6,280 |
| Core capital (leverage) ratio | 8.0658% | 6,084 |
| Tier 1 risk-based capital ratio | 13.8293% | 4,632 |
| Total risk-based capital ratio | 15.0827% | 4,586 |
| Memoranda: | ||
| Average total assets | $212,554,000 | 2,957 |
| Average earning assets | $201,387,000 | 2,885 |
| Average equity | $17,639,000 | 3,573 |
| Average total loans | $140,343,000 | 2,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 4,426 |
| Cost of funding earning assets | 0.9124% | 1,867 |
| Net interest margin | 3.3312% | 5,137 |
| Noninterest income to average assets | 0.3452% | 4,997 |
| Noninterest expense to average assets | 2.1174% | 6,090 |
| Loan and lease loss provision to assets | 0.3253% | 2,095 |
| Net operating income to assets | 0.7627% | 3,450 |
| Return on assets (ROA) | 0.7700% | 3,663 |
| Pretax return on assets | 1.0628% | 3,302 |
| Return on Equity (ROE) | 9.2879% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.1886% | 2,584 |
| Net charge-offs to loans | 0.2601% | 3,382 |
| Credit loss provision to net charge-offs | 193.6416% | 1,347 |
| Earnings coverage of net charge-offs (x) | 8.2023% | 2,454 |
| Efficiency ratio | 60.3417% | 5,494 |
| Assets per employee ($millions) | 5.4530% | 1,730 |
| Cash dividends to net income (ytd only)* | 44.1362% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,675 |
| Loan loss allowance to noncurrent loans | 436.5196% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 5,465 |
| Noncurrent loans to loans | 0.2958% | 5,740 |
| Net loans and leases to total assets | 65.6997% | 2,575 |
| Net loans and leases to deposits | 80.6401% | 2,200 |
| Net loans and leases to core deposits | 100.8841% | 971 |
| Total domestic deposits to total assets | 81.4728% | 5,265 |
| Equity capital to assets | 8.4357% | 6,097 |
| Core capital (leverage) ratio | 8.0561% | 6,137 |
| Tier 1 risk-based capital ratio | 13.9860% | 4,396 |
| Total risk-based capital ratio | 15.2386% | 4,353 |
| Memoranda: | ||
| Average total assets | $205,961,200 | 2,974 |
| Average earning assets | $194,762,200 | 2,900 |
| Average equity | $17,076,000 | 3,618 |
| Average total loans | $133,032,600 | 2,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 4,535 |
| Cost of funding earning assets | 0.9390% | 1,924 |
| Net interest margin | 3.3395% | 5,250 |
| Noninterest income to average assets | 0.3345% | 5,127 |
| Noninterest expense to average assets | 2.0851% | 6,196 |
| Loan and lease loss provision to assets | 0.3501% | 1,861 |
| Net operating income to assets | 0.7672% | 3,616 |
| Return on assets (ROA) | 0.7696% | 3,862 |
| Pretax return on assets | 1.0594% | 3,508 |
| Return on Equity (ROE) | 9.3233% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.1815% | 2,578 |
| Net charge-offs to loans | 0.2852% | 3,014 |
| Credit loss provision to net charge-offs | 191.4894% | 1,450 |
| Earnings coverage of net charge-offs (x) | 7.6915% | 2,571 |
| Efficiency ratio | 59.4800% | 5,585 |
| Assets per employee ($millions) | 5.5479% | 1,594 |
| Cash dividends to net income (ytd only)* | 33.6983% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 5,157 |
| Loan loss allowance to noncurrent loans | 388.8889% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 5,499 |
| Noncurrent loans to loans | 0.3158% | 5,848 |
| Net loans and leases to total assets | 65.4244% | 2,749 |
| Net loans and leases to deposits | 87.1154% | 1,464 |
| Net loans and leases to core deposits | 101.5730% | 1,014 |
| Total domestic deposits to total assets | 75.1008% | 6,506 |
| Equity capital to assets | 8.2842% | 6,429 |
| Core capital (leverage) ratio | 7.9331% | 6,379 |
| Tier 1 risk-based capital ratio | 13.4587% | 4,903 |
| Total risk-based capital ratio | 14.7106% | 4,865 |
| Memoranda: | ||
| Average total assets | $205,648,000 | 3,014 |
| Average earning assets | $194,394,250 | 2,935 |
| Average equity | $16,975,000 | 3,661 |
| Average total loans | $131,810,750 | 2,879 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 4,602 |
| Cost of funding earning assets | 0.9656% | 1,960 |
| Net interest margin | 3.3274% | 5,359 |
| Noninterest income to average assets | 0.2932% | 5,456 |
| Noninterest expense to average assets | 2.1714% | 6,078 |
| Loan and lease loss provision to assets | 0.1765% | 3,335 |
| Net operating income to assets | 0.7944% | 3,413 |
| Return on assets (ROA) | 0.7944% | 3,666 |
| Pretax return on assets | 1.0916% | 3,335 |
| Return on Equity (ROE) | 9.6362% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.8776% | 3,347 |
| Net charge-offs to loans | 0.0155% | 5,206 |
| Credit loss provision to net charge-offs | 1,800.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 129.3000% | 345 |
| Efficiency ratio | 62.8743% | 5,102 |
| Assets per employee ($millions) | 5.3656% | 1,745 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,142 |
| Loan loss allowance to noncurrent loans | 250.6934% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 5,431 |
| Noncurrent loans to loans | 0.4968% | 5,540 |
| Net loans and leases to total assets | 63.2691% | 3,187 |
| Net loans and leases to deposits | 79.9192% | 2,395 |
| Net loans and leases to core deposits | 93.8817% | 1,616 |
| Total domestic deposits to total assets | 79.1663% | 5,931 |
| Equity capital to assets | 8.3721% | 6,325 |
| Core capital (leverage) ratio | 7.8634% | 6,399 |
| Tier 1 risk-based capital ratio | 13.7842% | 4,607 |
| Total risk-based capital ratio | 15.0361% | 4,575 |
| Memoranda: | ||
| Average total assets | $203,923,330 | 3,044 |
| Average earning assets | $192,824,330 | 2,962 |
| Average equity | $16,811,670 | 3,678 |
| Average total loans | $129,199,670 | 2,940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 4,764 |
| Cost of funding earning assets | 0.9831% | 2,083 |
| Net interest margin | 3.3103% | 5,438 |
| Noninterest income to average assets | 0.4099% | 4,595 |
| Noninterest expense to average assets | 2.2850% | 5,806 |
| Loan and lease loss provision to assets | 0.1863% | 3,103 |
| Net operating income to assets | 0.7826% | 3,462 |
| Return on assets (ROA) | 0.7826% | 3,704 |
| Pretax return on assets | 1.0689% | 3,441 |
| Return on Equity (ROE) | 9.5669% | 2,574 |
| Retained earnings to average equity (ytd only) | 4.7715% | 3,695 |
| Net charge-offs to loans | 0.0125% | 4,529 |
| Credit loss provision to net charge-offs | 2,375.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 226 |
| Efficiency ratio | 64.3213% | 4,869 |
| Assets per employee ($millions) | 5.4988% | 1,694 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,553 |
| Loan loss allowance to noncurrent loans | 237.0597% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 5,529 |
| Noncurrent loans to loans | 0.5009% | 5,671 |
| Net loans and leases to total assets | 61.6439% | 3,327 |
| Net loans and leases to deposits | 78.1109% | 2,486 |
| Net loans and leases to core deposits | 90.9090% | 1,761 |
| Total domestic deposits to total assets | 78.9184% | 6,096 |
| Equity capital to assets | 7.9950% | 6,528 |
| Core capital (leverage) ratio | 8.0008% | 6,264 |
| Tier 1 risk-based capital ratio | 13.7408% | 4,650 |
| Total risk-based capital ratio | 14.9917% | 4,637 |
| Memoranda: | ||
| Average total assets | $203,939,500 | 3,060 |
| Average earning assets | $192,853,000 | 2,988 |
| Average equity | $16,682,500 | 3,694 |
| Average total loans | $128,486,000 | 2,971 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 4,048 |
| Cost of funding earning assets | 1.2368% | 1,805 |
| Net interest margin | 3.5100% | 5,105 |
| Noninterest income to average assets | 0.4494% | 4,215 |
| Noninterest expense to average assets | 2.4519% | 5,630 |
| Loan and lease loss provision to assets | 0.2139% | 4,052 |
| Net operating income to assets | 0.8010% | 3,034 |
| Return on assets (ROA) | 0.8212% | 3,113 |
| Pretax return on assets | 1.0956% | 2,853 |
| Return on Equity (ROE) | 9.3702% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.3702% | 706 |
| Net charge-offs to loans | 0.1443% | 4,990 |
| Credit loss provision to net charge-offs | 200.6173% | 1,238 |
| Earnings coverage of net charge-offs (x) | 12.0309% | 1,660 |
| Efficiency ratio | 65.6564% | 4,835 |
| Assets per employee ($millions) | 5.5257% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,623 |
| Loan loss allowance to noncurrent loans | 294.9393% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,727 |
| Noncurrent loans to loans | 0.3902% | 5,931 |
| Net loans and leases to total assets | 62.9180% | 3,426 |
| Net loans and leases to deposits | 76.5709% | 3,075 |
| Net loans and leases to core deposits | 85.5718% | 2,694 |
| Total domestic deposits to total assets | 82.1696% | 5,071 |
| Equity capital to assets | 8.3746% | 6,277 |
| Core capital (leverage) ratio | 9.2119% | 4,447 |
| Tier 1 risk-based capital ratio | 14.2232% | 4,163 |
| Total risk-based capital ratio | 15.4741% | 4,118 |
| Memoranda: | ||
| Average total assets | $151,966,600 | 3,763 |
| Average earning assets | $142,222,600 | 3,708 |
| Average equity | $13,318,800 | 4,277 |
| Average total loans | $112,230,200 | 3,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 2,926 |
| Cost of funding earning assets | 1.3139% | 1,629 |
| Net interest margin | 3.7185% | 4,255 |
| Noninterest income to average assets | 0.5115% | 3,784 |
| Noninterest expense to average assets | 2.5510% | 5,274 |
| Loan and lease loss provision to assets | 0.2377% | 3,630 |
| Net operating income to assets | 0.8811% | 2,819 |
| Return on assets (ROA) | 0.9099% | 2,842 |
| Pretax return on assets | 1.2304% | 2,521 |
| Return on Equity (ROE) | 10.2210% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.2210% | 786 |
| Net charge-offs to loans | 0.1546% | 4,531 |
| Credit loss provision to net charge-offs | 198.4127% | 1,479 |
| Earnings coverage of net charge-offs (x) | 11.9283% | 1,762 |
| Efficiency ratio | 64.0946% | 5,045 |
| Assets per employee ($millions) | 4.4111% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 5,012 |
| Loan loss allowance to noncurrent loans | 160.2260% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,346 |
| Noncurrent loans to loans | 0.8117% | 5,244 |
| Net loans and leases to total assets | 76.2376% | 946 |
| Net loans and leases to deposits | 105.9318% | 252 |
| Net loans and leases to core deposits | 109.5955% | 696 |
| Total domestic deposits to total assets | 71.9686% | 6,936 |
| Equity capital to assets | 11.6134% | 2,574 |
| Core capital (leverage) ratio | 11.9430% | 1,734 |
| Tier 1 risk-based capital ratio | 18.3710% | 2,129 |
| Total risk-based capital ratio | 19.6252% | 2,091 |
| Memoranda: | ||
| Average total assets | $140,227,250 | 3,990 |
| Average earning assets | $130,803,250 | 3,939 |
| Average equity | $12,483,750 | 4,454 |
| Average total loans | $108,633,750 | 3,449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 2,919 |
| Cost of funding earning assets | 1.3729% | 1,536 |
| Net interest margin | 3.6785% | 4,364 |
| Noninterest income to average assets | 0.4960% | 3,899 |
| Noninterest expense to average assets | 2.5501% | 5,353 |
| Loan and lease loss provision to assets | 0.1787% | 4,130 |
| Net operating income to assets | 0.8843% | 2,717 |
| Return on assets (ROA) | 0.9277% | 2,632 |
| Pretax return on assets | 1.2536% | 2,290 |
| Return on Equity (ROE) | 11.6093% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.6093% | 575 |
| Net charge-offs to loans | 0.2175% | 3,828 |
| Credit loss provision to net charge-offs | 105.9322% | 2,911 |
| Earnings coverage of net charge-offs (x) | 8.1441% | 2,109 |
| Efficiency ratio | 64.9909% | 5,063 |
| Assets per employee ($millions) | 4.1138% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,218 |
| Loan loss allowance to noncurrent loans | 276.8085% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 5,872 |
| Noncurrent loans to loans | 0.4576% | 5,998 |
| Net loans and leases to total assets | 77.0368% | 913 |
| Net loans and leases to deposits | 99.8140% | 504 |
| Net loans and leases to core deposits | 103.5345% | 1,073 |
| Total domestic deposits to total assets | 77.1804% | 6,426 |
| Equity capital to assets | 8.7746% | 5,848 |
| Core capital (leverage) ratio | 8.3424% | 5,804 |
| Tier 1 risk-based capital ratio | 13.1193% | 4,825 |
| Total risk-based capital ratio | 14.3729% | 4,799 |
| Memoranda: | ||
| Average total assets | $139,917,670 | 4,029 |
| Average earning assets | $130,377,670 | 3,974 |
| Average equity | $11,180,670 | 4,766 |
| Average total loans | $108,501,000 | 3,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 3,130 |
| Cost of funding earning assets | 1.3611% | 1,824 |
| Net interest margin | 3.6335% | 4,407 |
| Noninterest income to average assets | 0.4693% | 4,122 |
| Noninterest expense to average assets | 2.5407% | 5,420 |
| Loan and lease loss provision to assets | 0.0833% | 4,955 |
| Net operating income to assets | 0.9054% | 2,536 |
| Return on assets (ROA) | 0.9885% | 2,275 |
| Pretax return on assets | 1.3467% | 1,890 |
| Return on Equity (ROE) | 12.9508% | 1,208 |
| Retained earnings to average equity (ytd only) | 12.9508% | 597 |
| Net charge-offs to loans | 0.2298% | 3,162 |
| Credit loss provision to net charge-offs | 46.8750% | 3,818 |
| Earnings coverage of net charge-offs (x) | 7.4063% | 1,952 |
| Efficiency ratio | 65.8747% | 5,056 |
| Assets per employee ($millions) | 4.3309% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,567 |
| Loan loss allowance to noncurrent loans | 247.0588% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,944 |
| Noncurrent loans to loans | 0.4912% | 6,032 |
| Net loans and leases to total assets | 74.0151% | 1,341 |
| Net loans and leases to deposits | 95.7330% | 709 |
| Net loans and leases to core deposits | 101.0671% | 1,261 |
| Total domestic deposits to total assets | 77.3141% | 6,479 |
| Equity capital to assets | 8.0620% | 6,435 |
| Core capital (leverage) ratio | 7.8925% | 6,375 |
| Tier 1 risk-based capital ratio | 12.6325% | 5,134 |
| Total risk-based capital ratio | 13.8852% | 5,111 |
| Memoranda: | ||
| Average total assets | $144,056,000 | 3,993 |
| Average earning assets | $134,306,000 | 3,929 |
| Average equity | $10,995,500 | 4,801 |
| Average total loans | $111,395,000 | 3,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 3,164 |
| Cost of funding earning assets | 1.6499% | 1,832 |
| Net interest margin | 3.6430% | 4,608 |
| Noninterest income to average assets | 0.5992% | 3,485 |
| Noninterest expense to average assets | 2.6837% | 5,062 |
| Loan and lease loss provision to assets | 0.4240% | 3,566 |
| Net operating income to assets | 0.6906% | 3,266 |
| Return on assets (ROA) | 0.7391% | 3,181 |
| Pretax return on assets | 0.9440% | 3,121 |
| Return on Equity (ROE) | 10.3325% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.3325% | 461 |
| Net charge-offs to loans | 0.1024% | 5,837 |
| Credit loss provision to net charge-offs | 535.7143% | 421 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,205 |
| Efficiency ratio | 67.2689% | 4,710 |
| Assets per employee ($millions) | 4.3978% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,996 |
| Loan loss allowance to noncurrent loans | 180.9790% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 6,083 |
| Noncurrent loans to loans | 0.6011% | 5,836 |
| Net loans and leases to total assets | 78.6897% | 851 |
| Net loans and leases to deposits | 109.1061% | 247 |
| Net loans and leases to core deposits | 119.4955% | 542 |
| Total domestic deposits to total assets | 72.1222% | 7,073 |
| Equity capital to assets | 7.2350% | 7,022 |
| Core capital (leverage) ratio | 7.3915% | 6,793 |
| Tier 1 risk-based capital ratio | 11.1165% | 6,235 |
| Total risk-based capital ratio | 12.3677% | 6,210 |
| Memoranda: | ||
| Average total assets | $141,519,000 | 4,029 |
| Average earning assets | $131,705,400 | 3,979 |
| Average equity | $10,123,400 | 5,098 |
| Average total loans | $109,337,400 | 3,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 3,149 |
| Cost of funding earning assets | 1.7248% | 1,744 |
| Net interest margin | 3.6192% | 4,792 |
| Noninterest income to average assets | 0.6412% | 3,176 |
| Noninterest expense to average assets | 2.6615% | 5,053 |
| Loan and lease loss provision to assets | 0.4014% | 3,497 |
| Net operating income to assets | 0.7265% | 3,292 |
| Return on assets (ROA) | 0.7913% | 3,206 |
| Pretax return on assets | 1.0292% | 3,077 |
| Return on Equity (ROE) | 11.0955% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.0955% | 594 |
| Net charge-offs to loans | 0.0623% | 5,889 |
| Credit loss provision to net charge-offs | 840.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 28.1779% | 919 |
| Efficiency ratio | 66.4044% | 4,771 |
| Assets per employee ($millions) | 4.2454% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,263 |
| Loan loss allowance to noncurrent loans | 173.9645% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 6,256 |
| Noncurrent loans to loans | 0.5928% | 6,030 |
| Net loans and leases to total assets | 78.1938% | 1,008 |
| Net loans and leases to deposits | 103.6561% | 450 |
| Net loans and leases to core deposits | 112.0111% | 936 |
| Total domestic deposits to total assets | 75.4358% | 6,753 |
| Equity capital to assets | 7.3401% | 7,208 |
| Core capital (leverage) ratio | 7.2663% | 7,027 |
| Tier 1 risk-based capital ratio | 11.1702% | 6,219 |
| Total risk-based capital ratio | 12.4206% | 6,216 |
| Memoranda: | ||
| Average total assets | $139,517,750 | 4,113 |
| Average earning assets | $129,786,000 | 4,075 |
| Average equity | $9,949,750 | 5,212 |
| Average total loans | $106,933,250 | 3,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 3,116 |
| Cost of funding earning assets | 1.7889% | 1,687 |
| Net interest margin | 3.5793% | 4,904 |
| Noninterest income to average assets | 0.6642% | 2,936 |
| Noninterest expense to average assets | 2.5350% | 5,590 |
| Loan and lease loss provision to assets | 0.3481% | 3,635 |
| Net operating income to assets | 0.8281% | 2,833 |
| Return on assets (ROA) | 0.9194% | 2,577 |
| Pretax return on assets | 1.2283% | 2,325 |
| Return on Equity (ROE) | 13.0256% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.0256% | 379 |
| Net charge-offs to loans | 0.0880% | 5,256 |
| Credit loss provision to net charge-offs | 521.7391% | 711 |
| Earnings coverage of net charge-offs (x) | 21.8043% | 1,161 |
| Efficiency ratio | 63.5405% | 5,427 |
| Assets per employee ($millions) | 4.1654% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,660 |
| Loan loss allowance to noncurrent loans | 142.4501% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 6,217 |
| Noncurrent loans to loans | 0.6536% | 5,949 |
| Net loans and leases to total assets | 75.1305% | 1,665 |
| Net loans and leases to deposits | 98.3246% | 842 |
| Net loans and leases to core deposits | 101.0849% | 1,913 |
| Total domestic deposits to total assets | 76.4106% | 6,611 |
| Equity capital to assets | 7.3710% | 7,183 |
| Core capital (leverage) ratio | 7.2685% | 7,018 |
| Tier 1 risk-based capital ratio | 10.9223% | 6,316 |
| Total risk-based capital ratio | 11.9825% | 6,486 |
| Memoranda: | ||
| Average total assets | $137,909,000 | 4,175 |
| Average earning assets | $128,125,330 | 4,131 |
| Average equity | $9,734,670 | 5,277 |
| Average total loans | $104,563,000 | 3,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 3,556 |
| Cost of funding earning assets | 1.8020% | 1,865 |
| Net interest margin | 3.4971% | 5,169 |
| Noninterest income to average assets | 0.5968% | 3,293 |
| Noninterest expense to average assets | 2.5784% | 5,439 |
| Loan and lease loss provision to assets | 0.2940% | 3,676 |
| Net operating income to assets | 0.7460% | 3,231 |
| Return on assets (ROA) | 0.9202% | 2,537 |
| Pretax return on assets | 1.2260% | 2,279 |
| Return on Equity (ROE) | 13.3440% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.3440% | 579 |
| Net charge-offs to loans | 0.4615% | 2,662 |
| Credit loss provision to net charge-offs | 84.0336% | 3,787 |
| Earnings coverage of net charge-offs (x) | 3.6807% | 2,827 |
| Efficiency ratio | 66.6920% | 4,975 |
| Assets per employee ($millions) | 4.2873% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 7,206 |
| Loan loss allowance to noncurrent loans | 56.5780% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 5,181 |
| Noncurrent loans to loans | 1.3566% | 4,707 |
| Net loans and leases to total assets | 71.9137% | 2,467 |
| Net loans and leases to deposits | 94.0047% | 1,350 |
| Net loans and leases to core deposits | 96.2046% | 2,561 |
| Total domestic deposits to total assets | 76.5002% | 6,663 |
| Equity capital to assets | 7.0878% | 7,331 |
| Core capital (leverage) ratio | 7.1729% | 7,130 |
| Tier 1 risk-based capital ratio | 10.9346% | 6,218 |
| Total risk-based capital ratio | 11.7961% | 6,580 |
| Memoranda: | ||
| Average total assets | $136,052,000 | 4,273 |
| Average earning assets | $127,189,500 | 4,209 |
| Average equity | $9,382,500 | 5,427 |
| Average total loans | $103,143,500 | 3,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 2,881 |
| Cost of funding earning assets | 1.9040% | 3,445 |
| Net interest margin | 3.8417% | 3,525 |
| Noninterest income to average assets | 0.7543% | 2,652 |
| Noninterest expense to average assets | 3.0482% | 3,953 |
| Loan and lease loss provision to assets | 0.2523% | 5,377 |
| Net operating income to assets | 0.7898% | 2,566 |
| Return on assets (ROA) | 0.9040% | 2,227 |
| Pretax return on assets | 1.2042% | 1,940 |
| Return on Equity (ROE) | 12.8345% | 999 |
| Retained earnings to average equity (ytd only) | 12.8345% | 164 |
| Net charge-offs to loans | 0.0712% | 6,403 |
| Credit loss provision to net charge-offs | 446.9697% | 695 |
| Earnings coverage of net charge-offs (x) | 23.1061% | 942 |
| Efficiency ratio | 70.0334% | 4,619 |
| Assets per employee ($millions) | 3.6284% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 7,196 |
| Loan loss allowance to noncurrent loans | 97.3430% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 5,876 |
| Noncurrent loans to loans | 0.7980% | 5,688 |
| Net loans and leases to total assets | 78.8144% | 1,223 |
| Net loans and leases to deposits | 101.0255% | 823 |
| Net loans and leases to core deposits | 120.5675% | 1,912 |
| Total domestic deposits to total assets | 78.0144% | 6,214 |
| Equity capital to assets | 6.6888% | 7,509 |
| Core capital (leverage) ratio | 6.9565% | 7,276 |
| Tier 1 risk-based capital ratio | 9.4775% | 7,245 |
| Total risk-based capital ratio | 10.3580% | 7,442 |
| Memoranda: | ||
| Average total assets | $116,923,000 | 4,661 |
| Average earning assets | $109,508,200 | 4,578 |
| Average equity | $8,235,600 | 5,853 |
| Average total loans | $92,730,000 | 4,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8069% | 2,860 |
| Cost of funding earning assets | 1.9210% | 3,772 |
| Net interest margin | 3.8859% | 3,282 |
| Noninterest income to average assets | 0.7777% | 2,561 |
| Noninterest expense to average assets | 2.9967% | 4,053 |
| Loan and lease loss provision to assets | 0.1938% | 5,446 |
| Net operating income to assets | 0.9157% | 2,362 |
| Return on assets (ROA) | 1.0197% | 2,061 |
| Pretax return on assets | 1.3662% | 1,782 |
| Return on Equity (ROE) | 14.2696% | 884 |
| Retained earnings to average equity (ytd only) | 14.2696% | 181 |
| Net charge-offs to loans | 0.0830% | 5,851 |
| Credit loss provision to net charge-offs | 294.6429% | 1,406 |
| Earnings coverage of net charge-offs (x) | 21.6085% | 1,192 |
| Efficiency ratio | 67.8277% | 5,014 |
| Assets per employee ($millions) | 3.2578% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 7,402 |
| Loan loss allowance to noncurrent loans | 61.9134% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 5,234 |
| Noncurrent loans to loans | 1.1109% | 5,091 |
| Net loans and leases to total assets | 82.1736% | 779 |
| Net loans and leases to deposits | 101.1251% | 1,002 |
| Net loans and leases to core deposits | 119.5645% | 2,283 |
| Total domestic deposits to total assets | 81.2593% | 4,975 |
| Equity capital to assets | 7.1196% | 7,539 |
| Core capital (leverage) ratio | 6.8695% | 7,508 |
| Tier 1 risk-based capital ratio | 9.8843% | 7,067 |
| Total risk-based capital ratio | 10.6821% | 7,386 |
| Memoranda: | ||
| Average total assets | $113,498,250 | 4,764 |
| Average earning assets | $106,330,250 | 4,697 |
| Average equity | $8,110,250 | 5,945 |
| Average total loans | $89,973,750 | 4,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 3,109 |
| Cost of funding earning assets | 1.8933% | 4,298 |
| Net interest margin | 3.8944% | 3,144 |
| Noninterest income to average assets | 0.7521% | 2,690 |
| Noninterest expense to average assets | 3.1597% | 3,471 |
| Loan and lease loss provision to assets | 0.1350% | 5,728 |
| Net operating income to assets | 0.8163% | 2,793 |
| Return on assets (ROA) | 0.9735% | 2,293 |
| Pretax return on assets | 1.3117% | 1,988 |
| Return on Equity (ROE) | 13.6049% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.6049% | 277 |
| Net charge-offs to loans | 0.1061% | 5,102 |
| Credit loss provision to net charge-offs | 163.0435% | 2,817 |
| Earnings coverage of net charge-offs (x) | 14.9130% | 1,625 |
| Efficiency ratio | 71.9083% | 4,434 |
| Assets per employee ($millions) | 3.5041% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 7,627 |
| Loan loss allowance to noncurrent loans | 165.5738% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 6,723 |
| Noncurrent loans to loans | 0.3662% | 6,595 |
| Net loans and leases to total assets | 81.0029% | 1,141 |
| Net loans and leases to deposits | 105.2082% | 817 |
| Net loans and leases to core deposits | 123.7139% | 2,051 |
| Total domestic deposits to total assets | 76.9929% | 6,331 |
| Equity capital to assets | 6.6974% | 7,753 |
| Core capital (leverage) ratio | 7.3556% | 7,184 |
| Tier 1 risk-based capital ratio | 9.4869% | 7,396 |
| Total risk-based capital ratio | 10.1905% | 7,761 |
| Memoranda: | ||
| Average total assets | $111,151,000 | 4,852 |
| Average earning assets | $103,944,670 | 4,792 |
| Average equity | $7,953,000 | 6,036 |
| Average total loans | $86,719,000 | 4,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 2,860 |
| Cost of funding earning assets | 1.9720% | 4,278 |
| Net interest margin | 3.9155% | 2,988 |
| Noninterest income to average assets | 0.7362% | 2,677 |
| Noninterest expense to average assets | 3.3509% | 2,493 |
| Loan and lease loss provision to assets | 0.1138% | 5,506 |
| Net operating income to assets | 0.6935% | 3,592 |
| Return on assets (ROA) | 0.8728% | 2,977 |
| Pretax return on assets | 1.1650% | 2,745 |
| Return on Equity (ROE) | 11.7609% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.7609% | 834 |
| Net charge-offs to loans | 0.0350% | 5,026 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 39.1429% | 867 |
| Efficiency ratio | 76.3181% | 3,436 |
| Assets per employee ($millions) | 2.8005% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 7,380 |
| Loan loss allowance to noncurrent loans | 164.3836% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,488 |
| Noncurrent loans to loans | 0.4397% | 6,326 |
| Net loans and leases to total assets | 77.4373% | 1,944 |
| Net loans and leases to deposits | 95.9091% | 1,964 |
| Net loans and leases to core deposits | 105.7068% | 3,947 |
| Total domestic deposits to total assets | 80.7403% | 5,074 |
| Equity capital to assets | 7.4667% | 7,377 |
| Core capital (leverage) ratio | 7.2774% | 7,399 |
| Tier 1 risk-based capital ratio | 10.7580% | 6,136 |
| Total risk-based capital ratio | 11.5792% | 6,485 |
| Memoranda: | ||
| Average total assets | $105,404,000 | 5,022 |
| Average earning assets | $98,378,500 | 4,961 |
| Average equity | $7,822,500 | 6,116 |
| Average total loans | $80,102,500 | 4,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3660% | 3,603 |
| Cost of funding earning assets | 1.9452% | 6,593 |
| Net interest margin | 4.4208% | 1,622 |
| Noninterest income to average assets | 1.1289% | 1,225 |
| Noninterest expense to average assets | 3.7107% | 1,938 |
| Loan and lease loss provision to assets | 0.0682% | 6,538 |
| Net operating income to assets | 1.0464% | 2,371 |
| Return on assets (ROA) | 0.7867% | 3,335 |
| Pretax return on assets | 1.1715% | 2,761 |
| Return on Equity (ROE) | 10.0119% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.0119% | 448 |
| Net charge-offs to loans | 0.0458% | 6,134 |
| Credit loss provision to net charge-offs | 220.6897% | 2,170 |
| Earnings coverage of net charge-offs (x) | 48.1379% | 782 |
| Efficiency ratio | 71.3758% | 4,056 |
| Assets per employee ($millions) | 2.7471% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 7,298 |
| Loan loss allowance to noncurrent loans | 66.5513% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 4,771 |
| Noncurrent loans to loans | 1.1231% | 4,302 |
| Net loans and leases to total assets | 73.3985% | 3,262 |
| Net loans and leases to deposits | 93.6560% | 2,824 |
| Net loans and leases to core deposits | 103.2754% | 4,471 |
| Total domestic deposits to total assets | 78.3703% | 5,589 |
| Equity capital to assets | 7.3753% | 7,490 |
| Core capital (leverage) ratio | 7.2402% | 7,485 |
| Tier 1 risk-based capital ratio | 11.1406% | 5,607 |
| Total risk-based capital ratio | 11.9830% | 5,883 |
| Memoranda: | ||
| Average total assets | $93,809,200 | 5,231 |
| Average earning assets | $86,365,400 | 5,215 |
| Average equity | $7,371,200 | 6,325 |
| Average total loans | $63,315,600 | 5,129 |