Home > Carolina Alliance Bank > Performance and Condition Ratios
Carolina Alliance Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,677 |
| Cost of funding earning assets | 0.9986% | 1,567 |
| Net interest margin | 3.5571% | 3,411 |
| Noninterest income to average assets | 0.7361% | 1,476 |
| Noninterest expense to average assets | 3.4726% | 1,006 |
| Loan and lease loss provision to assets | 0.1449% | 1,176 |
| Net operating income to assets | 0.2961% | 4,902 |
| Return on assets (ROA) | 0.2961% | 4,906 |
| Pretax return on assets | 0.3488% | 4,906 |
| Return on Equity (ROE) | 2.6812% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.6812% | 3,864 |
| Net charge-offs to loans | -0.0007% | 3,795 |
| Credit loss provision to net charge-offs | -27,500.0000% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5019% | 549 |
| Assets per employee ($millions) | 6.5284% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,037 |
| Loan loss allowance to noncurrent loans | 173.0079% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,916 |
| Noncurrent loans to loans | 0.5374% | 2,698 |
| Net loans and leases to total assets | 77.2870% | 1,274 |
| Net loans and leases to deposits | 92.6445% | 1,322 |
| Net loans and leases to core deposits | 106.9812% | 1,104 |
| Total domestic deposits to total assets | 83.4231% | 3,246 |
| Equity capital to assets | 11.1527% | 2,703 |
| Core capital (leverage) ratio | 10.6380% | 2,907 |
| Tier 1 risk-based capital ratio | 11.8951% | 4,519 |
| Total risk-based capital ratio | 12.7075% | 4,662 |
| Memoranda: | ||
| Average total assets | $759,092,000 | 1,017 |
| Average earning assets | $689,331,000 | 1,025 |
| Average equity | $83,843,000 | 1,028 |
| Average total loans | $592,489,500 | 928 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,709 |
| Cost of funding earning assets | 0.7633% | 1,723 |
| Net interest margin | 3.6536% | 3,207 |
| Noninterest income to average assets | 0.7936% | 1,469 |
| Noninterest expense to average assets | 3.1535% | 1,664 |
| Loan and lease loss provision to assets | 0.1169% | 1,883 |
| Net operating income to assets | 0.7217% | 4,066 |
| Return on assets (ROA) | 0.7217% | 4,074 |
| Pretax return on assets | 0.8632% | 3,995 |
| Return on Equity (ROE) | 6.5521% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.4380% | 2,513 |
| Net charge-offs to loans | 0.1664% | 1,158 |
| Credit loss provision to net charge-offs | 90.5882% | 2,713 |
| Earnings coverage of net charge-offs (x) | 7.5936% | 2,978 |
| Efficiency ratio | 75.2204% | 1,463 |
| Assets per employee ($millions) | 6.2368% | 1,369 |
| Cash dividends to net income (ytd only)* | 17.0046% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,260 |
| Loan loss allowance to noncurrent loans | 179.2168% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 3,029 |
| Noncurrent loans to loans | 0.4899% | 2,803 |
| Net loans and leases to total assets | 77.4066% | 1,373 |
| Net loans and leases to deposits | 92.7698% | 1,429 |
| Net loans and leases to core deposits | 107.6935% | 1,142 |
| Total domestic deposits to total assets | 83.4395% | 3,176 |
| Equity capital to assets | 10.9382% | 2,748 |
| Core capital (leverage) ratio | 10.5234% | 3,004 |
| Tier 1 risk-based capital ratio | 11.8817% | 4,508 |
| Total risk-based capital ratio | 12.6591% | 4,674 |
| Memoranda: | ||
| Average total assets | $724,403,800 | 1,024 |
| Average earning assets | $662,231,600 | 1,038 |
| Average equity | $79,790,800 | 1,032 |
| Average total loans | $562,040,400 | 946 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,775 |
| Cost of funding earning assets | 0.7010% | 1,841 |
| Net interest margin | 3.6539% | 3,189 |
| Noninterest income to average assets | 0.8220% | 1,405 |
| Noninterest expense to average assets | 3.1690% | 1,604 |
| Loan and lease loss provision to assets | 0.0792% | 2,369 |
| Net operating income to assets | 0.7855% | 3,954 |
| Return on assets (ROA) | 0.7855% | 3,967 |
| Pretax return on assets | 0.9150% | 3,962 |
| Return on Equity (ROE) | 7.1182% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.4189% | 2,424 |
| Net charge-offs to loans | 0.0111% | 3,024 |
| Credit loss provision to net charge-offs | 923.9130% | 435 |
| Earnings coverage of net charge-offs (x) | 115.9599% | 673 |
| Efficiency ratio | 75.0437% | 1,460 |
| Assets per employee ($millions) | 5.9659% | 1,514 |
| Cash dividends to net income (ytd only)* | 9.8245% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,871 |
| Loan loss allowance to noncurrent loans | 197.4983% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 3,145 |
| Noncurrent loans to loans | 0.4981% | 2,898 |
| Net loans and leases to total assets | 76.7137% | 1,554 |
| Net loans and leases to deposits | 92.4898% | 1,567 |
| Net loans and leases to core deposits | 106.8304% | 1,244 |
| Total domestic deposits to total assets | 82.9428% | 3,326 |
| Equity capital to assets | 10.9080% | 2,743 |
| Core capital (leverage) ratio | 10.8397% | 2,749 |
| Tier 1 risk-based capital ratio | 11.9493% | 4,527 |
| Total risk-based capital ratio | 12.8086% | 4,644 |
| Memoranda: | ||
| Average total assets | $715,283,000 | 1,039 |
| Average earning assets | $654,086,000 | 1,048 |
| Average equity | $78,931,750 | 1,033 |
| Average total loans | $554,002,000 | 953 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 2,854 |
| Cost of funding earning assets | 0.6362% | 2,011 |
| Net interest margin | 3.6377% | 3,168 |
| Noninterest income to average assets | 0.7780% | 1,543 |
| Noninterest expense to average assets | 3.1503% | 1,660 |
| Loan and lease loss provision to assets | 0.0720% | 2,446 |
| Net operating income to assets | 0.7133% | 4,158 |
| Return on assets (ROA) | 0.7133% | 4,164 |
| Pretax return on assets | 0.8835% | 4,014 |
| Return on Equity (ROE) | 6.4382% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.3784% | 2,886 |
| Net charge-offs to loans | -0.0374% | 4,818 |
| Credit loss provision to net charge-offs | -249.0196% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6217% | 1,479 |
| Assets per employee ($millions) | 5.7992% | 1,637 |
| Cash dividends to net income (ytd only)* | 16.4612% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,853 |
| Loan loss allowance to noncurrent loans | 207.8957% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 3,254 |
| Noncurrent loans to loans | 0.4802% | 2,996 |
| Net loans and leases to total assets | 76.8279% | 1,506 |
| Net loans and leases to deposits | 93.5527% | 1,411 |
| Net loans and leases to core deposits | 107.9899% | 1,119 |
| Total domestic deposits to total assets | 82.1226% | 3,677 |
| Equity capital to assets | 10.7727% | 2,864 |
| Core capital (leverage) ratio | 10.6941% | 2,816 |
| Tier 1 risk-based capital ratio | 11.5529% | 4,766 |
| Total risk-based capital ratio | 12.4153% | 4,869 |
| Memoranda: | ||
| Average total assets | $705,132,670 | 1,056 |
| Average earning assets | $645,082,330 | 1,061 |
| Average equity | $78,127,330 | 1,041 |
| Average total loans | $546,081,330 | 965 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 2,828 |
| Cost of funding earning assets | 0.5871% | 2,130 |
| Net interest margin | 3.6309% | 3,066 |
| Noninterest income to average assets | 0.7736% | 1,539 |
| Noninterest expense to average assets | 3.2093% | 1,546 |
| Loan and lease loss provision to assets | 0.0422% | 2,913 |
| Net operating income to assets | 0.6869% | 4,147 |
| Return on assets (ROA) | 0.6869% | 4,151 |
| Pretax return on assets | 0.8487% | 4,018 |
| Return on Equity (ROE) | 6.1105% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.1495% | 3,100 |
| Net charge-offs to loans | -0.0739% | 5,125 |
| Credit loss provision to net charge-offs | -73.7374% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1453% | 1,439 |
| Assets per employee ($millions) | 5.7323% | 1,737 |
| Cash dividends to net income (ytd only)* | 15.7275% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,917 |
| Loan loss allowance to noncurrent loans | 198.4420% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,257 |
| Noncurrent loans to loans | 0.5068% | 2,997 |
| Net loans and leases to total assets | 77.0828% | 1,373 |
| Net loans and leases to deposits | 94.5830% | 1,178 |
| Net loans and leases to core deposits | 127.5742% | 383 |
| Total domestic deposits to total assets | 81.4975% | 4,095 |
| Equity capital to assets | 11.0966% | 2,487 |
| Core capital (leverage) ratio | 10.8854% | 2,551 |
| Tier 1 risk-based capital ratio | 11.9068% | 4,599 |
| Total risk-based capital ratio | 12.7782% | 4,740 |
| Memoranda: | ||
| Average total assets | $692,352,500 | 1,079 |
| Average earning assets | $634,326,500 | 1,082 |
| Average equity | $77,833,500 | 1,050 |
| Average total loans | $535,603,500 | 983 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 2,947 |
| Cost of funding earning assets | 0.4925% | 2,405 |
| Net interest margin | 3.6390% | 3,029 |
| Noninterest income to average assets | 0.7585% | 1,743 |
| Noninterest expense to average assets | 3.2055% | 1,597 |
| Loan and lease loss provision to assets | 0.0563% | 3,101 |
| Net operating income to assets | 0.7119% | 3,550 |
| Return on assets (ROA) | 0.7123% | 3,599 |
| Pretax return on assets | 0.8319% | 4,154 |
| Return on Equity (ROE) | 6.3908% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.3908% | 1,334 |
| Net charge-offs to loans | 0.0055% | 3,889 |
| Credit loss provision to net charge-offs | 1,350.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 212.8571% | 378 |
| Efficiency ratio | 77.0706% | 1,473 |
| Assets per employee ($millions) | 5.7603% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,895 |
| Loan loss allowance to noncurrent loans | 185.4247% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 3,197 |
| Noncurrent loans to loans | 0.5432% | 2,872 |
| Net loans and leases to total assets | 76.0568% | 1,582 |
| Net loans and leases to deposits | 91.8635% | 1,547 |
| Net loans and leases to core deposits | 122.3083% | 515 |
| Total domestic deposits to total assets | 82.7933% | 3,629 |
| Equity capital to assets | 11.4050% | 2,277 |
| Core capital (leverage) ratio | 10.7910% | 2,546 |
| Tier 1 risk-based capital ratio | 12.0764% | 4,482 |
| Total risk-based capital ratio | 12.9444% | 4,610 |
| Memoranda: | ||
| Average total assets | $671,347,800 | 1,089 |
| Average earning assets | $615,224,400 | 1,096 |
| Average equity | $74,825,800 | 1,072 |
| Average total loans | $509,562,600 | 1,009 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,922 |
| Cost of funding earning assets | 0.4809% | 2,427 |
| Net interest margin | 3.6376% | 3,004 |
| Noninterest income to average assets | 0.7699% | 1,703 |
| Noninterest expense to average assets | 3.1942% | 1,571 |
| Loan and lease loss provision to assets | 0.0755% | 2,559 |
| Net operating income to assets | 0.6025% | 4,383 |
| Return on assets (ROA) | 0.6029% | 4,424 |
| Pretax return on assets | 0.8355% | 4,254 |
| Return on Equity (ROE) | 5.4422% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.4422% | 2,575 |
| Net charge-offs to loans | -0.0050% | 4,462 |
| Credit loss provision to net charge-offs | -1,989.4737% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5504% | 1,516 |
| Assets per employee ($millions) | 5.8623% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,850 |
| Loan loss allowance to noncurrent loans | 169.6355% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 3,193 |
| Noncurrent loans to loans | 0.6122% | 2,879 |
| Net loans and leases to total assets | 74.3552% | 1,864 |
| Net loans and leases to deposits | 91.4662% | 1,630 |
| Net loans and leases to core deposits | 116.7111% | 720 |
| Total domestic deposits to total assets | 81.2926% | 3,973 |
| Equity capital to assets | 11.2052% | 2,664 |
| Core capital (leverage) ratio | 10.7943% | 2,648 |
| Tier 1 risk-based capital ratio | 12.0039% | 4,613 |
| Total risk-based capital ratio | 12.8962% | 4,740 |
| Memoranda: | ||
| Average total assets | $667,814,500 | 1,099 |
| Average earning assets | $612,215,500 | 1,105 |
| Average equity | $73,987,500 | 1,085 |
| Average total loans | $505,288,250 | 1,015 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,781 |
| Cost of funding earning assets | 0.4650% | 2,455 |
| Net interest margin | 3.6481% | 2,849 |
| Noninterest income to average assets | 0.7534% | 1,757 |
| Noninterest expense to average assets | 3.1962% | 1,592 |
| Loan and lease loss provision to assets | 0.0762% | 2,458 |
| Net operating income to assets | 0.6297% | 4,167 |
| Return on assets (ROA) | 0.6304% | 4,211 |
| Pretax return on assets | 0.8344% | 4,144 |
| Return on Equity (ROE) | 5.7126% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7126% | 2,283 |
| Net charge-offs to loans | -0.0040% | 4,284 |
| Credit loss provision to net charge-offs | -2,520.0000% | 4,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5641% | 1,636 |
| Assets per employee ($millions) | 5.9042% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,022 |
| Loan loss allowance to noncurrent loans | 113.3391% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 2,475 |
| Noncurrent loans to loans | 0.9011% | 2,175 |
| Net loans and leases to total assets | 75.1197% | 1,680 |
| Net loans and leases to deposits | 92.8751% | 1,373 |
| Net loans and leases to core deposits | 109.4507% | 1,028 |
| Total domestic deposits to total assets | 80.8825% | 4,207 |
| Equity capital to assets | 11.2751% | 2,518 |
| Core capital (leverage) ratio | 10.7444% | 2,659 |
| Tier 1 risk-based capital ratio | 11.9908% | 4,636 |
| Total risk-based capital ratio | 12.8740% | 4,761 |
| Memoranda: | ||
| Average total assets | $661,788,330 | 1,108 |
| Average earning assets | $608,152,000 | 1,114 |
| Average equity | $73,031,330 | 1,096 |
| Average total loans | $501,934,670 | 1,021 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 2,826 |
| Cost of funding earning assets | 0.4550% | 2,484 |
| Net interest margin | 3.6004% | 2,888 |
| Noninterest income to average assets | 0.7645% | 1,690 |
| Noninterest expense to average assets | 3.1901% | 1,640 |
| Loan and lease loss provision to assets | 0.0768% | 2,278 |
| Net operating income to assets | 0.5925% | 4,195 |
| Return on assets (ROA) | 0.5938% | 4,236 |
| Pretax return on assets | 0.8230% | 4,021 |
| Return on Equity (ROE) | 5.4412% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.4412% | 2,635 |
| Net charge-offs to loans | -0.0048% | 4,172 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7373% | 1,797 |
| Assets per employee ($millions) | 6.1409% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,174 |
| Loan loss allowance to noncurrent loans | 120.2885% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 2,704 |
| Noncurrent loans to loans | 0.8462% | 2,342 |
| Net loans and leases to total assets | 73.9073% | 1,760 |
| Net loans and leases to deposits | 90.1889% | 1,509 |
| Net loans and leases to core deposits | 104.7565% | 1,174 |
| Total domestic deposits to total assets | 81.9473% | 4,182 |
| Equity capital to assets | 10.8923% | 2,751 |
| Core capital (leverage) ratio | 10.6601% | 2,726 |
| Tier 1 risk-based capital ratio | 11.9150% | 4,776 |
| Total risk-based capital ratio | 12.7993% | 4,903 |
| Memoranda: | ||
| Average total assets | $656,145,000 | 1,115 |
| Average earning assets | $605,712,000 | 1,119 |
| Average equity | $71,602,000 | 1,113 |
| Average total loans | $497,487,500 | 1,022 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,242 |
| Cost of funding earning assets | 0.4386% | 2,621 |
| Net interest margin | 3.8326% | 2,199 |
| Noninterest income to average assets | 0.7535% | 1,942 |
| Noninterest expense to average assets | 3.2991% | 1,577 |
| Loan and lease loss provision to assets | 0.0334% | 3,691 |
| Net operating income to assets | 0.6527% | 3,985 |
| Return on assets (ROA) | 0.6613% | 4,062 |
| Pretax return on assets | 0.9776% | 3,549 |
| Return on Equity (ROE) | 5.9047% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.8948% | 1,773 |
| Net charge-offs to loans | -0.0138% | 5,026 |
| Credit loss provision to net charge-offs | -318.1818% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3037% | 2,094 |
| Assets per employee ($millions) | 5.7922% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.1685% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,323 |
| Loan loss allowance to noncurrent loans | 255.8080% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,993 |
| Noncurrent loans to loans | 0.3912% | 3,744 |
| Net loans and leases to total assets | 76.2489% | 1,471 |
| Net loans and leases to deposits | 92.8301% | 1,325 |
| Net loans and leases to core deposits | 119.2063% | 508 |
| Total domestic deposits to total assets | 82.1381% | 4,035 |
| Equity capital to assets | 10.9336% | 2,682 |
| Core capital (leverage) ratio | 10.5861% | 2,789 |
| Tier 1 risk-based capital ratio | 11.7362% | 4,903 |
| Total risk-based capital ratio | 12.6145% | 5,038 |
| Memoranda: | ||
| Average total assets | $628,165,400 | 1,122 |
| Average earning assets | $580,882,400 | 1,119 |
| Average equity | $70,350,200 | 1,125 |
| Average total loans | $479,101,000 | 1,011 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,062 |
| Cost of funding earning assets | 0.4387% | 2,652 |
| Net interest margin | 3.8951% | 1,991 |
| Noninterest income to average assets | 0.7276% | 2,050 |
| Noninterest expense to average assets | 3.3228% | 1,515 |
| Loan and lease loss provision to assets | 0.0107% | 4,029 |
| Net operating income to assets | 0.6554% | 4,055 |
| Return on assets (ROA) | 0.6666% | 4,139 |
| Pretax return on assets | 1.0127% | 3,588 |
| Return on Equity (ROE) | 5.9158% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.9025% | 2,237 |
| Net charge-offs to loans | -0.0174% | 4,962 |
| Credit loss provision to net charge-offs | -80.6452% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2380% | 2,073 |
| Assets per employee ($millions) | 5.5915% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.2241% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,359 |
| Loan loss allowance to noncurrent loans | 219.6699% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 3,836 |
| Noncurrent loans to loans | 0.4586% | 3,640 |
| Net loans and leases to total assets | 75.1778% | 1,673 |
| Net loans and leases to deposits | 90.8899% | 1,646 |
| Net loans and leases to core deposits | 116.8694% | 617 |
| Total domestic deposits to total assets | 82.7130% | 3,702 |
| Equity capital to assets | 11.3497% | 2,655 |
| Core capital (leverage) ratio | 10.4361% | 3,060 |
| Tier 1 risk-based capital ratio | 11.9075% | 4,844 |
| Total risk-based capital ratio | 12.7837% | 4,979 |
| Memoranda: | ||
| Average total assets | $624,473,250 | 1,129 |
| Average earning assets | $577,436,250 | 1,128 |
| Average equity | $70,363,750 | 1,122 |
| Average total loans | $475,080,000 | 1,017 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,147 |
| Cost of funding earning assets | 0.4324% | 2,716 |
| Net interest margin | 3.8716% | 2,077 |
| Noninterest income to average assets | 0.6639% | 2,313 |
| Noninterest expense to average assets | 3.3157% | 1,560 |
| Loan and lease loss provision to assets | 0.0160% | 3,791 |
| Net operating income to assets | 0.6046% | 4,244 |
| Return on assets (ROA) | 0.6046% | 4,376 |
| Pretax return on assets | 0.9204% | 3,876 |
| Return on Equity (ROE) | 5.3789% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.3589% | 2,511 |
| Net charge-offs to loans | -0.0232% | 5,006 |
| Credit loss provision to net charge-offs | -90.9091% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4174% | 2,023 |
| Assets per employee ($millions) | 5.3200% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.3712% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,480 |
| Loan loss allowance to noncurrent loans | 284.2543% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 3,930 |
| Noncurrent loans to loans | 0.3541% | 4,102 |
| Net loans and leases to total assets | 74.3200% | 1,774 |
| Net loans and leases to deposits | 89.1633% | 1,846 |
| Net loans and leases to core deposits | 115.3244% | 662 |
| Total domestic deposits to total assets | 83.3527% | 3,522 |
| Equity capital to assets | 11.0713% | 2,977 |
| Core capital (leverage) ratio | 10.2497% | 3,270 |
| Tier 1 risk-based capital ratio | 11.6722% | 5,044 |
| Total risk-based capital ratio | 12.5531% | 5,176 |
| Memoranda: | ||
| Average total assets | $623,882,330 | 1,137 |
| Average earning assets | $578,211,000 | 1,131 |
| Average equity | $70,126,000 | 1,125 |
| Average total loans | $474,910,330 | 1,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,074 |
| Cost of funding earning assets | 0.4180% | 2,876 |
| Net interest margin | 3.8971% | 1,941 |
| Noninterest income to average assets | 0.6072% | 2,490 |
| Noninterest expense to average assets | 3.2593% | 1,695 |
| Loan and lease loss provision to assets | 0.0323% | 3,228 |
| Net operating income to assets | 0.5981% | 4,183 |
| Return on assets (ROA) | 0.5981% | 4,301 |
| Pretax return on assets | 0.9411% | 3,689 |
| Return on Equity (ROE) | 5.2806% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.2406% | 2,787 |
| Net charge-offs to loans | -0.0135% | 4,666 |
| Credit loss provision to net charge-offs | -312.5000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3701% | 2,274 |
| Assets per employee ($millions) | 5.2089% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.7559% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,624 |
| Loan loss allowance to noncurrent loans | 180.0759% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 3,418 |
| Noncurrent loans to loans | 0.5541% | 3,524 |
| Net loans and leases to total assets | 74.6942% | 1,617 |
| Net loans and leases to deposits | 89.8149% | 1,597 |
| Net loans and leases to core deposits | 113.0593% | 708 |
| Total domestic deposits to total assets | 83.1647% | 3,833 |
| Equity capital to assets | 10.8540% | 3,113 |
| Core capital (leverage) ratio | 10.3038% | 3,191 |
| Tier 1 risk-based capital ratio | 11.7767% | 5,061 |
| Total risk-based capital ratio | 12.6715% | 5,177 |
| Memoranda: | ||
| Average total assets | $619,283,500 | 1,138 |
| Average earning assets | $576,120,000 | 1,130 |
| Average equity | $70,144,000 | 1,121 |
| Average total loans | $474,721,000 | 1,016 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,720 |
| Cost of funding earning assets | 0.3225% | 3,997 |
| Net interest margin | 4.1363% | 1,320 |
| Noninterest income to average assets | 0.5898% | 2,775 |
| Noninterest expense to average assets | 3.5999% | 1,126 |
| Loan and lease loss provision to assets | 0.1950% | 1,122 |
| Net operating income to assets | 0.3541% | 5,201 |
| Return on assets (ROA) | 0.3515% | 5,302 |
| Pretax return on assets | 0.6665% | 4,628 |
| Return on Equity (ROE) | 2.8930% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.8048% | 4,073 |
| Net charge-offs to loans | 0.0482% | 3,243 |
| Credit loss provision to net charge-offs | 514.1243% | 631 |
| Earnings coverage of net charge-offs (x) | 22.8192% | 1,756 |
| Efficiency ratio | 79.3578% | 1,768 |
| Assets per employee ($millions) | 4.9477% | 2,426 |
| Cash dividends to net income (ytd only)* | 3.0488% | 4,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,688 |
| Loan loss allowance to noncurrent loans | 149.7759% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 2,798 |
| Noncurrent loans to loans | 0.6592% | 3,214 |
| Net loans and leases to total assets | 77.1052% | 1,237 |
| Net loans and leases to deposits | 94.4588% | 1,160 |
| Net loans and leases to core deposits | 115.2415% | 627 |
| Total domestic deposits to total assets | 81.6284% | 4,295 |
| Equity capital to assets | 11.7679% | 2,137 |
| Core capital (leverage) ratio | 11.0211% | 2,385 |
| Tier 1 risk-based capital ratio | 12.4138% | 4,690 |
| Total risk-based capital ratio | 13.2998% | 4,820 |
| Memoranda: | ||
| Average total assets | $466,598,200 | 1,443 |
| Average earning assets | $437,201,000 | 1,426 |
| Average equity | $56,689,200 | 1,317 |
| Average total loans | $367,010,600 | 1,239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 2,054 |
| Cost of funding earning assets | 0.2933% | 4,414 |
| Net interest margin | 4.0640% | 1,517 |
| Noninterest income to average assets | 0.5941% | 2,776 |
| Noninterest expense to average assets | 3.4701% | 1,343 |
| Loan and lease loss provision to assets | 0.2119% | 914 |
| Net operating income to assets | 0.3741% | 5,249 |
| Return on assets (ROA) | 0.3677% | 5,346 |
| Pretax return on assets | 0.7203% | 4,612 |
| Return on Equity (ROE) | 2.9935% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.8979% | 4,386 |
| Net charge-offs to loans | 0.0940% | 2,225 |
| Credit loss provision to net charge-offs | 285.4167% | 1,013 |
| Earnings coverage of net charge-offs (x) | 12.6917% | 2,385 |
| Efficiency ratio | 77.5620% | 2,012 |
| Assets per employee ($millions) | 5.3501% | 1,908 |
| Cash dividends to net income (ytd only)* | 3.1963% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 3,345 |
| Loan loss allowance to noncurrent loans | 245.9944% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 3,221 |
| Noncurrent loans to loans | 0.5095% | 3,819 |
| Net loans and leases to total assets | 77.9023% | 1,113 |
| Net loans and leases to deposits | 95.9193% | 1,012 |
| Net loans and leases to core deposits | 112.6084% | 731 |
| Total domestic deposits to total assets | 81.2165% | 4,418 |
| Equity capital to assets | 12.0806% | 2,046 |
| Core capital (leverage) ratio | 12.2320% | 1,549 |
| Tier 1 risk-based capital ratio | 12.2224% | 4,943 |
| Total risk-based capital ratio | 13.2397% | 5,009 |
| Memoranda: | ||
| Average total assets | $431,105,250 | 1,556 |
| Average earning assets | $405,012,500 | 1,527 |
| Average equity | $52,957,500 | 1,418 |
| Average total loans | $340,283,750 | 1,324 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,016 |
| Cost of funding earning assets | 0.2953% | 4,442 |
| Net interest margin | 4.0535% | 1,487 |
| Noninterest income to average assets | 0.5998% | 2,742 |
| Noninterest expense to average assets | 3.4851% | 1,324 |
| Loan and lease loss provision to assets | 0.2151% | 888 |
| Net operating income to assets | 0.3885% | 5,169 |
| Return on assets (ROA) | 0.3861% | 5,290 |
| Pretax return on assets | 0.6907% | 4,682 |
| Return on Equity (ROE) | 3.1255% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.0306% | 4,114 |
| Net charge-offs to loans | 0.0421% | 2,855 |
| Credit loss provision to net charge-offs | 646.4789% | 518 |
| Earnings coverage of net charge-offs (x) | 27.3380% | 1,452 |
| Efficiency ratio | 78.1510% | 2,043 |
| Assets per employee ($millions) | 5.1517% | 2,093 |
| Cash dividends to net income (ytd only)* | 3.0340% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 3,391 |
| Loan loss allowance to noncurrent loans | 236.5721% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 3,249 |
| Noncurrent loans to loans | 0.5373% | 3,843 |
| Net loans and leases to total assets | 77.7960% | 1,096 |
| Net loans and leases to deposits | 94.5722% | 1,093 |
| Net loans and leases to core deposits | 110.7030% | 795 |
| Total domestic deposits to total assets | 82.2610% | 4,208 |
| Equity capital to assets | 12.2247% | 1,858 |
| Core capital (leverage) ratio | 12.2766% | 1,497 |
| Tier 1 risk-based capital ratio | 12.4184% | 4,866 |
| Total risk-based capital ratio | 13.4486% | 4,899 |
| Memoranda: | ||
| Average total assets | $426,787,000 | 1,579 |
| Average earning assets | $399,557,670 | 1,551 |
| Average equity | $52,728,330 | 1,434 |
| Average total loans | $336,937,000 | 1,335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 1,838 |
| Cost of funding earning assets | 0.2953% | 4,492 |
| Net interest margin | 4.0852% | 1,318 |
| Noninterest income to average assets | 0.6352% | 2,470 |
| Noninterest expense to average assets | 3.4129% | 1,467 |
| Loan and lease loss provision to assets | 0.2171% | 816 |
| Net operating income to assets | 0.4917% | 4,725 |
| Return on assets (ROA) | 0.4917% | 4,841 |
| Pretax return on assets | 0.8315% | 4,123 |
| Return on Equity (ROE) | 3.9589% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.8677% | 3,681 |
| Net charge-offs to loans | 0.1170% | 1,581 |
| Credit loss provision to net charge-offs | 234.6939% | 952 |
| Earnings coverage of net charge-offs (x) | 11.3367% | 1,868 |
| Efficiency ratio | 75.2274% | 2,626 |
| Assets per employee ($millions) | 5.4407% | 1,846 |
| Cash dividends to net income (ytd only)* | 2.3033% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,963 |
| Loan loss allowance to noncurrent loans | 217.7256% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 3,172 |
| Noncurrent loans to loans | 0.5525% | 3,925 |
| Net loans and leases to total assets | 77.9219% | 939 |
| Net loans and leases to deposits | 95.6570% | 852 |
| Net loans and leases to core deposits | 112.1007% | 650 |
| Total domestic deposits to total assets | 81.4597% | 4,685 |
| Equity capital to assets | 12.3341% | 1,801 |
| Core capital (leverage) ratio | 12.3254% | 1,444 |
| Tier 1 risk-based capital ratio | 12.5585% | 4,867 |
| Total risk-based capital ratio | 13.5461% | 4,961 |
| Memoranda: | ||
| Average total assets | $423,807,500 | 1,595 |
| Average earning assets | $396,943,000 | 1,571 |
| Average equity | $52,641,500 | 1,441 |
| Average total loans | $334,909,000 | 1,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,091 |
| Cost of funding earning assets | 0.3190% | 4,592 |
| Net interest margin | 4.4930% | 758 |
| Noninterest income to average assets | 1.8432% | 390 |
| Noninterest expense to average assets | 3.4318% | 1,637 |
| Loan and lease loss provision to assets | 0.3150% | 641 |
| Net operating income to assets | 1.8940% | 395 |
| Return on assets (ROA) | 1.8977% | 412 |
| Pretax return on assets | 2.3111% | 262 |
| Return on Equity (ROE) | 15.0777% | 768 |
| Retained earnings to average equity (ytd only) | 14.9637% | 149 |
| Net charge-offs to loans | 0.2505% | 1,710 |
| Credit loss provision to net charge-offs | 164.6177% | 1,481 |
| Earnings coverage of net charge-offs (x) | 13.7016% | 2,247 |
| Efficiency ratio | 55.8546% | 5,678 |
| Assets per employee ($millions) | 5.2951% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.7557% | 4,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,046 |
| Loan loss allowance to noncurrent loans | 166.6385% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 2,822 |
| Noncurrent loans to loans | 0.7158% | 3,531 |
| Net loans and leases to total assets | 78.1411% | 983 |
| Net loans and leases to deposits | 96.5198% | 866 |
| Net loans and leases to core deposits | 112.0322% | 693 |
| Total domestic deposits to total assets | 80.9587% | 4,759 |
| Equity capital to assets | 12.6050% | 1,585 |
| Core capital (leverage) ratio | 12.1316% | 1,544 |
| Tier 1 risk-based capital ratio | 14.2133% | 3,955 |
| Total risk-based capital ratio | 15.3327% | 3,961 |
| Memoranda: | ||
| Average total assets | $348,624,200 | 1,865 |
| Average earning assets | $326,660,800 | 1,839 |
| Average equity | $43,879,400 | 1,648 |
| Average total loans | $266,270,800 | 1,594 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,359 |
| Cost of funding earning assets | 0.3274% | 4,590 |
| Net interest margin | 4.3517% | 953 |
| Noninterest income to average assets | 2.2813% | 281 |
| Noninterest expense to average assets | 3.4327% | 1,586 |
| Loan and lease loss provision to assets | 0.1973% | 1,215 |
| Net operating income to assets | 2.2773% | 199 |
| Return on assets (ROA) | 2.2837% | 202 |
| Pretax return on assets | 2.7310% | 151 |
| Return on Equity (ROE) | 18.1529% | 426 |
| Retained earnings to average equity (ytd only) | 18.0313% | 113 |
| Net charge-offs to loans | 0.3614% | 1,109 |
| Credit loss provision to net charge-offs | 72.2714% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.7006% | 2,515 |
| Efficiency ratio | 53.2822% | 5,894 |
| Assets per employee ($millions) | 5.5517% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.6699% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,083 |
| Loan loss allowance to noncurrent loans | 216.0390% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 3,590 |
| Noncurrent loans to loans | 0.4763% | 4,478 |
| Net loans and leases to total assets | 76.8539% | 1,115 |
| Net loans and leases to deposits | 92.4707% | 1,190 |
| Net loans and leases to core deposits | 108.2019% | 837 |
| Total domestic deposits to total assets | 83.1116% | 4,098 |
| Equity capital to assets | 12.4007% | 1,771 |
| Core capital (leverage) ratio | 11.7426% | 1,870 |
| Tier 1 risk-based capital ratio | 14.1863% | 4,089 |
| Total risk-based capital ratio | 15.1556% | 4,226 |
| Memoranda: | ||
| Average total assets | $331,202,500 | 1,971 |
| Average earning assets | $309,909,500 | 1,948 |
| Average equity | $41,667,250 | 1,730 |
| Average total loans | $250,133,750 | 1,699 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 1,560 |
| Cost of funding earning assets | 0.3248% | 4,707 |
| Net interest margin | 4.2646% | 1,101 |
| Noninterest income to average assets | 3.2958% | 171 |
| Noninterest expense to average assets | 3.4920% | 1,489 |
| Loan and lease loss provision to assets | 0.2047% | 1,167 |
| Net operating income to assets | 3.1914% | 84 |
| Return on assets (ROA) | 3.1914% | 85 |
| Pretax return on assets | 3.5877% | 84 |
| Return on Equity (ROE) | 25.2028% | 103 |
| Retained earnings to average equity (ytd only) | 25.0724% | 41 |
| Net charge-offs to loans | 0.0009% | 4,363 |
| Credit loss provision to net charge-offs | 31,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 5,742.0000% | 5 |
| Efficiency ratio | 47.9373% | 6,290 |
| Assets per employee ($millions) | 5.5449% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.5174% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 4,329 |
| Loan loss allowance to noncurrent loans | 225.2061% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 3,594 |
| Noncurrent loans to loans | 0.5419% | 4,383 |
| Net loans and leases to total assets | 75.4365% | 1,244 |
| Net loans and leases to deposits | 90.8860% | 1,283 |
| Net loans and leases to core deposits | 107.4029% | 805 |
| Total domestic deposits to total assets | 83.0012% | 4,308 |
| Equity capital to assets | 12.3561% | 1,737 |
| Core capital (leverage) ratio | 12.6173% | 1,335 |
| Tier 1 risk-based capital ratio | 14.4317% | 3,972 |
| Total risk-based capital ratio | 15.5631% | 3,987 |
| Memoranda: | ||
| Average total assets | $302,809,670 | 2,150 |
| Average earning assets | $283,215,330 | 2,114 |
| Average equity | $38,345,000 | 1,842 |
| Average total loans | $225,734,330 | 1,859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 3,200 |
| Cost of funding earning assets | 0.3094% | 4,973 |
| Net interest margin | 3.8119% | 2,418 |
| Noninterest income to average assets | 0.1590% | 6,019 |
| Noninterest expense to average assets | 2.8733% | 3,305 |
| Loan and lease loss provision to assets | 0.2489% | 869 |
| Net operating income to assets | 0.3710% | 5,229 |
| Return on assets (ROA) | 0.3710% | 5,294 |
| Pretax return on assets | 0.5991% | 4,833 |
| Return on Equity (ROE) | 2.8725% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.7108% | 4,459 |
| Net charge-offs to loans | 0.0264% | 3,043 |
| Credit loss provision to net charge-offs | 1,291.6667% | 252 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 827 |
| Efficiency ratio | 77.2119% | 2,609 |
| Assets per employee ($millions) | 5.0123% | 2,238 |
| Cash dividends to net income (ytd only)* | 5.6277% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 1,473 |
| Loan loss allowance to noncurrent loans | 415.2100% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 3,818 |
| Noncurrent loans to loans | 0.4867% | 4,700 |
| Net loans and leases to total assets | 70.7620% | 1,764 |
| Net loans and leases to deposits | 86.9587% | 1,472 |
| Net loans and leases to core deposits | 101.9002% | 991 |
| Total domestic deposits to total assets | 81.3743% | 5,132 |
| Equity capital to assets | 12.9114% | 1,346 |
| Core capital (leverage) ratio | 12.7498% | 1,273 |
| Tier 1 risk-based capital ratio | 15.8427% | 3,251 |
| Total risk-based capital ratio | 17.1001% | 3,208 |
| Memoranda: | ||
| Average total assets | $249,052,500 | 2,566 |
| Average earning assets | $232,742,500 | 2,517 |
| Average equity | $32,167,500 | 2,145 |
| Average total loans | $181,922,500 | 2,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,404 |
| Cost of funding earning assets | 0.3569% | 5,072 |
| Net interest margin | 3.8265% | 2,548 |
| Noninterest income to average assets | 0.1446% | 6,221 |
| Noninterest expense to average assets | 2.7687% | 3,840 |
| Loan and lease loss provision to assets | 0.1929% | 1,915 |
| Net operating income to assets | 0.4380% | 4,996 |
| Return on assets (ROA) | 0.4398% | 5,116 |
| Pretax return on assets | 0.7602% | 4,298 |
| Return on Equity (ROE) | 3.4000% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.2431% | 3,922 |
| Net charge-offs to loans | 0.0245% | 4,931 |
| Credit loss provision to net charge-offs | 1,104.6512% | 228 |
| Earnings coverage of net charge-offs (x) | 54.4186% | 748 |
| Efficiency ratio | 74.4486% | 3,052 |
| Assets per employee ($millions) | 5.4998% | 1,649 |
| Cash dividends to net income (ytd only)* | 4.6168% | 4,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 1,731 |
| Loan loss allowance to noncurrent loans | 523.8450% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 4,087 |
| Noncurrent loans to loans | 0.3670% | 5,088 |
| Net loans and leases to total assets | 72.4602% | 1,606 |
| Net loans and leases to deposits | 88.0809% | 1,450 |
| Net loans and leases to core deposits | 103.8150% | 924 |
| Total domestic deposits to total assets | 82.2655% | 4,781 |
| Equity capital to assets | 12.9206% | 1,310 |
| Core capital (leverage) ratio | 12.6065% | 1,304 |
| Tier 1 risk-based capital ratio | 15.6213% | 3,292 |
| Total risk-based capital ratio | 16.8776% | 3,247 |
| Memoranda: | ||
| Average total assets | $246,250,600 | 2,565 |
| Average earning assets | $230,030,200 | 2,512 |
| Average equity | $31,852,600 | 2,138 |
| Average total loans | $175,516,200 | 2,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,527 |
| Cost of funding earning assets | 0.3729% | 5,067 |
| Net interest margin | 3.7869% | 2,690 |
| Noninterest income to average assets | 0.1599% | 6,228 |
| Noninterest expense to average assets | 2.7193% | 3,952 |
| Loan and lease loss provision to assets | 0.2575% | 1,383 |
| Net operating income to assets | 0.4134% | 5,193 |
| Return on assets (ROA) | 0.4158% | 5,324 |
| Pretax return on assets | 0.7216% | 4,602 |
| Return on Equity (ROE) | 3.2137% | 5,526 |
| Retained earnings to average equity (ytd only) | 3.0545% | 4,491 |
| Net charge-offs to loans | 0.0284% | 4,558 |
| Credit loss provision to net charge-offs | 1,283.7838% | 249 |
| Earnings coverage of net charge-offs (x) | 48.6238% | 883 |
| Efficiency ratio | 73.6023% | 3,125 |
| Assets per employee ($millions) | 5.5550% | 1,578 |
| Cash dividends to net income (ytd only)* | 4.9548% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 1,781 |
| Loan loss allowance to noncurrent loans | 691.7485% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 4,419 |
| Noncurrent loans to loans | 0.2856% | 5,518 |
| Net loans and leases to total assets | 71.4787% | 1,687 |
| Net loans and leases to deposits | 86.2522% | 1,588 |
| Net loans and leases to core deposits | 101.2647% | 1,040 |
| Total domestic deposits to total assets | 82.8718% | 4,629 |
| Equity capital to assets | 12.9576% | 1,348 |
| Core capital (leverage) ratio | 12.6742% | 1,337 |
| Tier 1 risk-based capital ratio | 15.9498% | 3,223 |
| Total risk-based capital ratio | 17.2069% | 3,172 |
| Memoranda: | ||
| Average total assets | $245,941,000 | 2,584 |
| Average earning assets | $229,554,750 | 2,534 |
| Average equity | $31,821,500 | 2,160 |
| Average total loans | $173,683,750 | 2,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,503 |
| Cost of funding earning assets | 0.3883% | 5,048 |
| Net interest margin | 3.7715% | 2,667 |
| Noninterest income to average assets | 0.2110% | 5,933 |
| Noninterest expense to average assets | 2.6212% | 4,311 |
| Loan and lease loss provision to assets | 0.3246% | 1,072 |
| Net operating income to assets | 0.4671% | 4,940 |
| Return on assets (ROA) | 0.4707% | 5,100 |
| Pretax return on assets | 0.7864% | 4,357 |
| Return on Equity (ROE) | 3.6396% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.4827% | 4,103 |
| Net charge-offs to loans | -0.1243% | 6,562 |
| Credit loss provision to net charge-offs | -373.8318% | 5,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3397% | 3,759 |
| Assets per employee ($millions) | 5.6438% | 1,464 |
| Cash dividends to net income (ytd only)* | 4.3103% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1165% | 1,599 |
| Loan loss allowance to noncurrent loans | 511.3960% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 4,720 |
| Noncurrent loans to loans | 0.4139% | 5,221 |
| Net loans and leases to total assets | 68.4149% | 2,166 |
| Net loans and leases to deposits | 82.9961% | 1,928 |
| Net loans and leases to core deposits | 97.2779% | 1,262 |
| Total domestic deposits to total assets | 82.4315% | 4,898 |
| Equity capital to assets | 13.1302% | 1,295 |
| Core capital (leverage) ratio | 12.7190% | 1,279 |
| Tier 1 risk-based capital ratio | 16.7608% | 2,809 |
| Total risk-based capital ratio | 18.0196% | 2,780 |
| Memoranda: | ||
| Average total assets | $246,447,670 | 2,583 |
| Average earning assets | $229,720,670 | 2,544 |
| Average equity | $31,871,670 | 2,159 |
| Average total loans | $172,168,330 | 2,289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 3,449 |
| Cost of funding earning assets | 0.3994% | 5,105 |
| Net interest margin | 3.7641% | 2,595 |
| Noninterest income to average assets | 0.1917% | 6,102 |
| Noninterest expense to average assets | 2.4886% | 4,795 |
| Loan and lease loss provision to assets | 0.4349% | 677 |
| Net operating income to assets | 0.5144% | 4,591 |
| Return on assets (ROA) | 0.5219% | 4,705 |
| Pretax return on assets | 0.7861% | 4,228 |
| Return on Equity (ROE) | 4.0659% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.9027% | 3,891 |
| Net charge-offs to loans | 0.0507% | 3,321 |
| Credit loss provision to net charge-offs | 1,227.2727% | 263 |
| Earnings coverage of net charge-offs (x) | 34.1364% | 893 |
| Efficiency ratio | 67.2909% | 4,448 |
| Assets per employee ($millions) | 5.7568% | 1,435 |
| Cash dividends to net income (ytd only)* | 4.0123% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 2,193 |
| Loan loss allowance to noncurrent loans | 308.9054% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 4,326 |
| Noncurrent loans to loans | 0.6285% | 4,872 |
| Net loans and leases to total assets | 67.9425% | 2,020 |
| Net loans and leases to deposits | 81.9809% | 1,833 |
| Net loans and leases to core deposits | 95.2124% | 1,256 |
| Total domestic deposits to total assets | 82.8761% | 4,895 |
| Equity capital to assets | 12.9238% | 1,463 |
| Core capital (leverage) ratio | 12.6215% | 1,283 |
| Tier 1 risk-based capital ratio | 16.5059% | 2,998 |
| Total risk-based capital ratio | 17.7629% | 2,953 |
| Memoranda: | ||
| Average total assets | $248,329,500 | 2,599 |
| Average earning assets | $231,342,000 | 2,562 |
| Average equity | $31,875,000 | 2,192 |
| Average total loans | $173,441,500 | 2,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 3,824 |
| Cost of funding earning assets | 0.5327% | 4,973 |
| Net interest margin | 3.8639% | 2,974 |
| Noninterest income to average assets | 0.1583% | 6,241 |
| Noninterest expense to average assets | 2.3282% | 5,613 |
| Loan and lease loss provision to assets | 0.4419% | 1,432 |
| Net operating income to assets | 0.6354% | 4,060 |
| Return on assets (ROA) | 0.6354% | 4,328 |
| Pretax return on assets | 0.9881% | 3,586 |
| Return on Equity (ROE) | 5.0237% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.8620% | 2,798 |
| Net charge-offs to loans | 1.0295% | 1,049 |
| Credit loss provision to net charge-offs | 60.9825% | 4,420 |
| Earnings coverage of net charge-offs (x) | 1.9735% | 4,429 |
| Efficiency ratio | 61.9488% | 5,245 |
| Assets per employee ($millions) | 6.2279% | 1,149 |
| Cash dividends to net income (ytd only)* | 3.2196% | 4,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 2,731 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 4,153 |
| Noncurrent loans to loans | 0.8787% | 4,420 |
| Net loans and leases to total assets | 69.1581% | 2,005 |
| Net loans and leases to deposits | 82.2582% | 1,966 |
| Net loans and leases to core deposits | 96.0340% | 1,297 |
| Total domestic deposits to total assets | 84.0745% | 4,283 |
| Equity capital to assets | 12.7483% | 1,568 |
| Core capital (leverage) ratio | 12.3029% | 1,400 |
| Tier 1 risk-based capital ratio | 16.0121% | 3,161 |
| Total risk-based capital ratio | 17.2667% | 3,107 |
| Memoranda: | ||
| Average total assets | $244,399,200 | 2,581 |
| Average earning assets | $227,695,600 | 2,533 |
| Average equity | $30,913,200 | 2,203 |
| Average total loans | $172,020,000 | 2,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 3,904 |
| Cost of funding earning assets | 0.5684% | 4,930 |
| Net interest margin | 3.8661% | 3,046 |
| Noninterest income to average assets | 0.2089% | 6,040 |
| Noninterest expense to average assets | 2.3265% | 5,608 |
| Loan and lease loss provision to assets | 0.4440% | 1,420 |
| Net operating income to assets | 0.6469% | 4,157 |
| Return on assets (ROA) | 0.6469% | 4,418 |
| Pretax return on assets | 1.0405% | 3,562 |
| Return on Equity (ROE) | 5.1244% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.9594% | 3,390 |
| Net charge-offs to loans | 0.8497% | 1,297 |
| Credit loss provision to net charge-offs | 74.2438% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.4821% | 4,047 |
| Efficiency ratio | 61.0472% | 5,305 |
| Assets per employee ($millions) | 6.3221% | 1,047 |
| Cash dividends to net income (ytd only)* | 3.2206% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 2,114 |
| Loan loss allowance to noncurrent loans | 157.2265% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 3,957 |
| Noncurrent loans to loans | 1.2841% | 3,896 |
| Net loans and leases to total assets | 68.7311% | 2,169 |
| Net loans and leases to deposits | 81.9736% | 2,121 |
| Net loans and leases to core deposits | 96.6521% | 1,361 |
| Total domestic deposits to total assets | 83.8454% | 4,299 |
| Equity capital to assets | 12.7547% | 1,738 |
| Core capital (leverage) ratio | 12.1269% | 1,576 |
| Tier 1 risk-based capital ratio | 16.0870% | 3,224 |
| Total risk-based capital ratio | 17.3444% | 3,189 |
| Memoranda: | ||
| Average total assets | $243,220,000 | 2,618 |
| Average earning assets | $226,615,000 | 2,566 |
| Average equity | $30,702,000 | 2,232 |
| Average total loans | $171,183,500 | 2,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 3,948 |
| Cost of funding earning assets | 0.5931% | 4,957 |
| Net interest margin | 3.8648% | 3,065 |
| Noninterest income to average assets | 0.1801% | 6,278 |
| Noninterest expense to average assets | 2.3155% | 5,687 |
| Loan and lease loss provision to assets | 0.4461% | 1,445 |
| Net operating income to assets | 0.6253% | 4,249 |
| Return on assets (ROA) | 0.6253% | 4,496 |
| Pretax return on assets | 1.0194% | 3,637 |
| Return on Equity (ROE) | 4.9715% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.8074% | 3,409 |
| Net charge-offs to loans | 0.8172% | 1,351 |
| Credit loss provision to net charge-offs | 77.4749% | 3,387 |
| Earnings coverage of net charge-offs (x) | 2.5452% | 3,739 |
| Efficiency ratio | 61.2410% | 5,378 |
| Assets per employee ($millions) | 6.5375% | 934 |
| Cash dividends to net income (ytd only)* | 3.3025% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 2,051 |
| Loan loss allowance to noncurrent loans | 159.0150% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 3,822 |
| Noncurrent loans to loans | 1.3041% | 3,964 |
| Net loans and leases to total assets | 70.5941% | 1,803 |
| Net loans and leases to deposits | 84.8044% | 1,743 |
| Net loans and leases to core deposits | 101.3912% | 1,013 |
| Total domestic deposits to total assets | 83.2434% | 4,656 |
| Equity capital to assets | 12.7783% | 1,641 |
| Core capital (leverage) ratio | 12.1937% | 1,501 |
| Tier 1 risk-based capital ratio | 15.6728% | 3,347 |
| Total risk-based capital ratio | 16.9314% | 3,309 |
| Memoranda: | ||
| Average total assets | $242,106,330 | 2,635 |
| Average earning assets | $225,575,330 | 2,579 |
| Average equity | $30,453,330 | 2,234 |
| Average total loans | $170,592,670 | 2,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 3,980 |
| Cost of funding earning assets | 0.6166% | 4,996 |
| Net interest margin | 3.8696% | 3,054 |
| Noninterest income to average assets | 0.2130% | 6,097 |
| Noninterest expense to average assets | 2.3136% | 5,735 |
| Loan and lease loss provision to assets | 0.4459% | 1,392 |
| Net operating income to assets | 0.6441% | 4,144 |
| Return on assets (ROA) | 0.6441% | 4,352 |
| Pretax return on assets | 1.0602% | 3,468 |
| Return on Equity (ROE) | 5.1612% | 4,710 |
| Retained earnings to average equity (ytd only) | 5.0024% | 3,558 |
| Net charge-offs to loans | 0.4078% | 2,081 |
| Credit loss provision to net charge-offs | 156.9767% | 1,615 |
| Earnings coverage of net charge-offs (x) | 5.3023% | 2,400 |
| Efficiency ratio | 60.5707% | 5,532 |
| Assets per employee ($millions) | 6.8206% | 830 |
| Cash dividends to net income (ytd only)* | 3.0769% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 1,696 |
| Loan loss allowance to noncurrent loans | 258.4112% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 4,645 |
| Noncurrent loans to loans | 0.8853% | 4,899 |
| Net loans and leases to total assets | 67.3361% | 2,226 |
| Net loans and leases to deposits | 81.2058% | 2,034 |
| Net loans and leases to core deposits | 99.3319% | 1,029 |
| Total domestic deposits to total assets | 82.9203% | 4,960 |
| Equity capital to assets | 12.3811% | 1,801 |
| Core capital (leverage) ratio | 12.1363% | 1,513 |
| Tier 1 risk-based capital ratio | 15.5505% | 3,414 |
| Total risk-based capital ratio | 16.8106% | 3,383 |
| Memoranda: | ||
| Average total assets | $242,216,000 | 2,643 |
| Average earning assets | $225,759,000 | 2,589 |
| Average equity | $30,225,500 | 2,246 |
| Average total loans | $168,702,000 | 2,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 4,567 |
| Cost of funding earning assets | 0.9585% | 3,659 |
| Net interest margin | 3.6666% | 4,445 |
| Noninterest income to average assets | 0.1252% | 6,522 |
| Noninterest expense to average assets | 2.3848% | 5,812 |
| Loan and lease loss provision to assets | 0.6220% | 1,649 |
| Net operating income to assets | 0.5144% | 4,360 |
| Return on assets (ROA) | 0.5144% | 4,569 |
| Pretax return on assets | 0.5367% | 4,885 |
| Return on Equity (ROE) | 4.7178% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,884 |
| Net charge-offs to loans | 0.3083% | 3,858 |
| Credit loss provision to net charge-offs | 295.4092% | 799 |
| Earnings coverage of net charge-offs (x) | 5.5030% | 2,769 |
| Efficiency ratio | 67.2993% | 4,516 |
| Assets per employee ($millions) | 6.6358% | 887 |
| Cash dividends to net income (ytd only)* | 1.4706% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2432% | 1,719 |
| Loan loss allowance to noncurrent loans | 539.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 5,332 |
| Noncurrent loans to loans | 0.4162% | 5,885 |
| Net loans and leases to total assets | 68.8274% | 2,244 |
| Net loans and leases to deposits | 83.0556% | 2,062 |
| Net loans and leases to core deposits | 104.0659% | 902 |
| Total domestic deposits to total assets | 82.8690% | 4,803 |
| Equity capital to assets | 12.5791% | 1,757 |
| Core capital (leverage) ratio | 11.4369% | 1,938 |
| Tier 1 risk-based capital ratio | 15.5821% | 3,275 |
| Total risk-based capital ratio | 16.8422% | 3,227 |
| Memoranda: | ||
| Average total assets | $237,924,200 | 2,654 |
| Average earning assets | $221,811,800 | 2,590 |
| Average equity | $25,944,200 | 2,485 |
| Average total loans | $162,480,600 | 2,468 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 4,782 |
| Cost of funding earning assets | 1.0257% | 3,497 |
| Net interest margin | 3.5955% | 4,791 |
| Noninterest income to average assets | 0.1458% | 6,525 |
| Noninterest expense to average assets | 2.3672% | 5,860 |
| Loan and lease loss provision to assets | 0.7180% | 1,335 |
| Net operating income to assets | 0.4432% | 4,812 |
| Return on assets (ROA) | 0.4432% | 5,005 |
| Pretax return on assets | 0.4112% | 5,432 |
| Return on Equity (ROE) | 4.2271% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.1950% | 3,748 |
| Net charge-offs to loans | 0.2558% | 3,832 |
| Credit loss provision to net charge-offs | 414.2395% | 687 |
| Earnings coverage of net charge-offs (x) | 6.5146% | 2,540 |
| Efficiency ratio | 67.7042% | 4,375 |
| Assets per employee ($millions) | 7.0643% | 723 |
| Cash dividends to net income (ytd only)* | 0.7595% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3060% | 1,679 |
| Loan loss allowance to noncurrent loans | 379.9193% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,329 |
| Noncurrent loans to loans | 0.6070% | 5,673 |
| Net loans and leases to total assets | 62.7204% | 3,566 |
| Net loans and leases to deposits | 75.8460% | 3,351 |
| Net loans and leases to core deposits | 99.7368% | 1,269 |
| Total domestic deposits to total assets | 82.6944% | 4,798 |
| Equity capital to assets | 11.6540% | 2,537 |
| Core capital (leverage) ratio | 11.2961% | 2,167 |
| Tier 1 risk-based capital ratio | 15.1779% | 3,561 |
| Total risk-based capital ratio | 16.4383% | 3,520 |
| Memoranda: | ||
| Average total assets | $237,683,000 | 2,671 |
| Average earning assets | $221,491,250 | 2,610 |
| Average equity | $24,917,750 | 2,577 |
| Average total loans | $161,052,250 | 2,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 4,471 |
| Cost of funding earning assets | 1.0962% | 3,271 |
| Net interest margin | 3.6183% | 4,652 |
| Noninterest income to average assets | 0.1585% | 6,525 |
| Noninterest expense to average assets | 2.4537% | 5,688 |
| Loan and lease loss provision to assets | 0.8012% | 1,149 |
| Net operating income to assets | 0.3472% | 5,182 |
| Return on assets (ROA) | 0.3472% | 5,318 |
| Pretax return on assets | 0.2705% | 5,746 |
| Return on Equity (ROE) | 3.4527% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.4527% | 4,055 |
| Net charge-offs to loans | 0.3456% | 3,175 |
| Credit loss provision to net charge-offs | 335.7401% | 908 |
| Earnings coverage of net charge-offs (x) | 4.4910% | 2,853 |
| Efficiency ratio | 69.5992% | 4,188 |
| Assets per employee ($millions) | 6.8547% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 2,038 |
| Loan loss allowance to noncurrent loans | 308.0429% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 5,237 |
| Noncurrent loans to loans | 0.6940% | 5,520 |
| Net loans and leases to total assets | 65.7672% | 3,076 |
| Net loans and leases to deposits | 77.7633% | 3,163 |
| Net loans and leases to core deposits | 106.8086% | 880 |
| Total domestic deposits to total assets | 84.5736% | 4,090 |
| Equity capital to assets | 9.9653% | 4,202 |
| Core capital (leverage) ratio | 9.5876% | 3,829 |
| Tier 1 risk-based capital ratio | 12.7494% | 5,129 |
| Total risk-based capital ratio | 14.0081% | 5,093 |
| Memoranda: | ||
| Average total assets | $232,138,670 | 2,732 |
| Average earning assets | $216,010,670 | 2,694 |
| Average equity | $23,344,330 | 2,723 |
| Average total loans | $160,312,000 | 2,533 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 4,634 |
| Cost of funding earning assets | 1.1360% | 3,258 |
| Net interest margin | 3.5380% | 4,858 |
| Noninterest income to average assets | 0.1262% | 6,787 |
| Noninterest expense to average assets | 2.4867% | 5,604 |
| Loan and lease loss provision to assets | 0.7010% | 1,204 |
| Net operating income to assets | 0.2734% | 5,529 |
| Return on assets (ROA) | 0.2734% | 5,588 |
| Pretax return on assets | 0.2296% | 5,871 |
| Return on Equity (ROE) | 2.7057% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.7057% | 4,544 |
| Net charge-offs to loans | 0.6631% | 1,881 |
| Credit loss provision to net charge-offs | 150.9434% | 1,898 |
| Earnings coverage of net charge-offs (x) | 2.0038% | 3,304 |
| Efficiency ratio | 72.7692% | 3,720 |
| Assets per employee ($millions) | 6.6145% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 3,005 |
| Loan loss allowance to noncurrent loans | 232.2760% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 4,460 |
| Noncurrent loans to loans | 0.7758% | 5,482 |
| Net loans and leases to total assets | 68.9410% | 2,341 |
| Net loans and leases to deposits | 81.0094% | 2,522 |
| Net loans and leases to core deposits | 111.5784% | 672 |
| Total domestic deposits to total assets | 85.1025% | 3,987 |
| Equity capital to assets | 9.9988% | 3,773 |
| Core capital (leverage) ratio | 10.0632% | 3,074 |
| Tier 1 risk-based capital ratio | 12.4530% | 5,307 |
| Total risk-based capital ratio | 13.7079% | 5,283 |
| Memoranda: | ||
| Average total assets | $228,251,500 | 2,789 |
| Average earning assets | $212,322,500 | 2,754 |
| Average equity | $23,062,500 | 2,738 |
| Average total loans | $159,852,500 | 2,568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 5,486 |
| Cost of funding earning assets | 1.4045% | 3,242 |
| Net interest margin | 3.3767% | 5,711 |
| Noninterest income to average assets | 0.1608% | 6,568 |
| Noninterest expense to average assets | 2.3599% | 6,195 |
| Loan and lease loss provision to assets | 0.8647% | 1,881 |
| Net operating income to assets | 0.2342% | 5,163 |
| Return on assets (ROA) | 0.2487% | 5,268 |
| Pretax return on assets | 0.1084% | 5,685 |
| Return on Equity (ROE) | 2.3239% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.3239% | 4,251 |
| Net charge-offs to loans | 0.6149% | 3,191 |
| Credit loss provision to net charge-offs | 201.5251% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.2342% | 4,048 |
| Efficiency ratio | 71.1127% | 3,973 |
| Assets per employee ($millions) | 6.2499% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 2,936 |
| Loan loss allowance to noncurrent loans | 97.1151% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 4,364 |
| Noncurrent loans to loans | 1.8305% | 3,778 |
| Net loans and leases to total assets | 68.6140% | 2,833 |
| Net loans and leases to deposits | 80.2981% | 3,118 |
| Net loans and leases to core deposits | 109.8862% | 925 |
| Total domestic deposits to total assets | 85.4490% | 3,631 |
| Equity capital to assets | 10.2122% | 3,487 |
| Core capital (leverage) ratio | 10.1060% | 2,968 |
| Tier 1 risk-based capital ratio | 12.7966% | 4,776 |
| Total risk-based capital ratio | 14.0512% | 4,739 |
| Memoranda: | ||
| Average total assets | $213,950,000 | 2,938 |
| Average earning assets | $200,075,000 | 2,880 |
| Average equity | $22,892,200 | 2,778 |
| Average total loans | $149,291,600 | 2,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 5,570 |
| Cost of funding earning assets | 1.4572% | 3,232 |
| Net interest margin | 3.3646% | 5,794 |
| Noninterest income to average assets | 0.1572% | 6,742 |
| Noninterest expense to average assets | 2.3031% | 6,315 |
| Loan and lease loss provision to assets | 0.7576% | 2,021 |
| Net operating income to assets | 0.2437% | 5,375 |
| Return on assets (ROA) | 0.2450% | 5,526 |
| Pretax return on assets | 0.2450% | 5,623 |
| Return on Equity (ROE) | 2.2619% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.2619% | 4,809 |
| Net charge-offs to loans | 0.2362% | 4,528 |
| Credit loss provision to net charge-offs | 459.7701% | 651 |
| Earnings coverage of net charge-offs (x) | 6.0766% | 2,604 |
| Efficiency ratio | 69.6981% | 4,134 |
| Assets per employee ($millions) | 6.3120% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 2,659 |
| Loan loss allowance to noncurrent loans | 194.2441% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 5,703 |
| Noncurrent loans to loans | 0.9479% | 5,336 |
| Net loans and leases to total assets | 67.5901% | 3,312 |
| Net loans and leases to deposits | 80.1933% | 3,416 |
| Net loans and leases to core deposits | 113.0707% | 883 |
| Total domestic deposits to total assets | 84.2839% | 3,967 |
| Equity capital to assets | 10.6631% | 3,335 |
| Core capital (leverage) ratio | 10.4593% | 2,730 |
| Tier 1 risk-based capital ratio | 13.2955% | 4,356 |
| Total risk-based capital ratio | 14.5505% | 4,321 |
| Memoranda: | ||
| Average total assets | $211,188,750 | 3,022 |
| Average earning assets | $197,541,500 | 2,954 |
| Average equity | $22,871,000 | 2,822 |
| Average total loans | $147,321,500 | 2,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 5,589 |
| Cost of funding earning assets | 1.5087% | 3,209 |
| Net interest margin | 3.3470% | 5,846 |
| Noninterest income to average assets | 0.1452% | 6,859 |
| Noninterest expense to average assets | 2.2746% | 6,422 |
| Loan and lease loss provision to assets | 0.7454% | 1,941 |
| Net operating income to assets | 0.2510% | 5,373 |
| Return on assets (ROA) | 0.2530% | 5,504 |
| Pretax return on assets | 0.2530% | 5,648 |
| Return on Equity (ROE) | 2.3231% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.3231% | 4,678 |
| Net charge-offs to loans | 0.2155% | 4,312 |
| Credit loss provision to net charge-offs | 493.6306% | 752 |
| Earnings coverage of net charge-offs (x) | 6.5987% | 2,437 |
| Efficiency ratio | 69.5384% | 4,274 |
| Assets per employee ($millions) | 6.7482% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,185 |
| Loan loss allowance to noncurrent loans | 198.0831% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 5,909 |
| Noncurrent loans to loans | 0.8431% | 5,590 |
| Net loans and leases to total assets | 67.6220% | 3,469 |
| Net loans and leases to deposits | 80.7651% | 3,469 |
| Net loans and leases to core deposits | 113.5401% | 938 |
| Total domestic deposits to total assets | 83.7267% | 4,234 |
| Equity capital to assets | 10.7366% | 3,142 |
| Core capital (leverage) ratio | 10.5261% | 2,609 |
| Tier 1 risk-based capital ratio | 13.4374% | 4,109 |
| Total risk-based capital ratio | 14.6904% | 4,074 |
| Memoranda: | ||
| Average total assets | $207,945,000 | 3,066 |
| Average earning assets | $194,204,330 | 3,016 |
| Average equity | $22,642,330 | 2,840 |
| Average total loans | $145,721,670 | 2,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 5,611 |
| Cost of funding earning assets | 1.5754% | 3,100 |
| Net interest margin | 3.2938% | 5,999 |
| Noninterest income to average assets | 0.1432% | 6,953 |
| Noninterest expense to average assets | 2.2477% | 6,554 |
| Loan and lease loss provision to assets | 0.7845% | 1,609 |
| Net operating income to assets | 0.1824% | 5,744 |
| Return on assets (ROA) | 0.2040% | 5,792 |
| Pretax return on assets | 0.2040% | 5,868 |
| Return on Equity (ROE) | 1.8596% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.8596% | 5,003 |
| Net charge-offs to loans | 0.4351% | 2,748 |
| Credit loss provision to net charge-offs | 254.7771% | 1,519 |
| Earnings coverage of net charge-offs (x) | 3.1401% | 3,006 |
| Efficiency ratio | 69.9207% | 4,318 |
| Assets per employee ($millions) | 6.5460% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,236 |
| Loan loss allowance to noncurrent loans | 165.4874% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 5,862 |
| Noncurrent loans to loans | 0.8673% | 5,583 |
| Net loans and leases to total assets | 69.0129% | 3,152 |
| Net loans and leases to deposits | 82.8920% | 3,125 |
| Net loans and leases to core deposits | 117.5072% | 887 |
| Total domestic deposits to total assets | 83.2564% | 4,498 |
| Equity capital to assets | 10.7404% | 3,016 |
| Core capital (leverage) ratio | 10.7853% | 2,378 |
| Tier 1 risk-based capital ratio | 13.3611% | 4,080 |
| Total risk-based capital ratio | 14.6114% | 4,039 |
| Memoranda: | ||
| Average total assets | $203,946,000 | 3,166 |
| Average earning assets | $190,176,500 | 3,116 |
| Average equity | $22,371,000 | 2,896 |
| Average total loans | $144,330,000 | 2,993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 6,794 |
| Cost of funding earning assets | 2.0257% | 2,841 |
| Net interest margin | 2.8402% | 6,992 |
| Noninterest income to average assets | 0.1576% | 6,944 |
| Noninterest expense to average assets | 2.4253% | 6,390 |
| Loan and lease loss provision to assets | 0.5583% | 3,582 |
| Net operating income to assets | -0.1881% | 5,831 |
| Return on assets (ROA) | -0.3657% | 6,034 |
| Pretax return on assets | -0.3657% | 5,889 |
| Return on Equity (ROE) | -2.9658% | 5,981 |
| Retained earnings to average equity (ytd only) | -2.9658% | 5,695 |
| Net charge-offs to loans | 0.4941% | 3,791 |
| Credit loss provision to net charge-offs | 150.3737% | 3,087 |
| Earnings coverage of net charge-offs (x) | 0.9970% | 5,116 |
| Efficiency ratio | 86.7580% | 2,029 |
| Assets per employee ($millions) | 6.8421% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,690 |
| Loan loss allowance to noncurrent loans | 135.4182% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 5,722 |
| Noncurrent loans to loans | 0.9684% | 5,378 |
| Net loans and leases to total assets | 70.6231% | 3,100 |
| Net loans and leases to deposits | 85.6416% | 2,974 |
| Net loans and leases to core deposits | 140.4006% | 796 |
| Total domestic deposits to total assets | 82.4635% | 4,755 |
| Equity capital to assets | 11.2105% | 2,522 |
| Core capital (leverage) ratio | 11.5694% | 1,883 |
| Tier 1 risk-based capital ratio | 13.4875% | 3,828 |
| Total risk-based capital ratio | 14.6352% | 3,832 |
| Memoranda: | ||
| Average total assets | $180,186,200 | 3,435 |
| Average earning assets | $167,350,200 | 3,393 |
| Average equity | $22,220,000 | 2,919 |
| Average total loans | $135,386,000 | 3,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 6,959 |
| Cost of funding earning assets | 2.1489% | 2,656 |
| Net interest margin | 2.7205% | 7,181 |
| Noninterest income to average assets | 0.1526% | 7,094 |
| Noninterest expense to average assets | 2.6229% | 5,630 |
| Loan and lease loss provision to assets | 0.3614% | 4,157 |
| Net operating income to assets | -0.3097% | 6,213 |
| Return on assets (ROA) | -0.5489% | 6,474 |
| Pretax return on assets | -0.5489% | 6,352 |
| Return on Equity (ROE) | -4.3395% | 6,379 |
| Retained earnings to average equity (ytd only) | -4.3395% | 6,162 |
| Net charge-offs to loans | 0.0429% | 6,304 |
| Credit loss provision to net charge-offs | 1,106.9767% | 343 |
| Earnings coverage of net charge-offs (x) | 1.5814% | 4,608 |
| Efficiency ratio | 98.0698% | 1,162 |
| Assets per employee ($millions) | 6.4600% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 3,969 |
| 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 | 73.8061% | 2,587 |
| Net loans and leases to deposits | 89.5710% | 2,660 |
| Net loans and leases to core deposits | 145.8965% | 687 |
| Total domestic deposits to total assets | 82.3995% | 4,500 |
| Equity capital to assets | 11.8618% | 2,316 |
| Core capital (leverage) ratio | 11.8616% | 1,854 |
| Tier 1 risk-based capital ratio | 13.7804% | 3,673 |
| Total risk-based capital ratio | 15.0205% | 3,624 |
| Memoranda: | ||
| Average total assets | $175,627,500 | 3,523 |
| Average earning assets | $162,807,750 | 3,497 |
| Average equity | $22,214,000 | 2,948 |
| Average total loans | $133,734,250 | 3,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 7,159 |
| Cost of funding earning assets | 2.2652% | 2,505 |
| Net interest margin | 2.5692% | 7,392 |
| Noninterest income to average assets | 0.1537% | 7,170 |
| Noninterest expense to average assets | 2.8092% | 4,923 |
| Loan and lease loss provision to assets | 0.2749% | 4,381 |
| Net operating income to assets | -0.5579% | 6,607 |
| Return on assets (ROA) | -0.9015% | 6,912 |
| Pretax return on assets | -0.9015% | 6,752 |
| Return on Equity (ROE) | -6.9694% | 6,794 |
| Retained earnings to average equity (ytd only) | -6.9694% | 6,551 |
| Net charge-offs to loans | 0.0654% | 5,583 |
| Credit loss provision to net charge-offs | 548.8372% | 847 |
| Earnings coverage of net charge-offs (x) | -5.6512% | 6,473 |
| Efficiency ratio | 111.2033% | 821 |
| Assets per employee ($millions) | 6.5727% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.6519% | 2,802 |
| Net loans and leases to deposits | 88.8279% | 3,030 |
| Net loans and leases to core deposits | 143.1653% | 878 |
| Total domestic deposits to total assets | 82.9153% | 4,286 |
| Equity capital to assets | 11.9428% | 2,238 |
| Core capital (leverage) ratio | 12.1853% | 1,756 |
| Tier 1 risk-based capital ratio | 13.9690% | 3,540 |
| Total risk-based capital ratio | 15.0778% | 3,553 |
| Memoranda: | ||
| Average total assets | $171,723,000 | 3,610 |
| Average earning assets | $158,570,000 | 3,590 |
| Average equity | $22,211,330 | 2,946 |
| Average total loans | $131,570,000 | 3,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 7,420 |
| Cost of funding earning assets | 2.3642% | 2,446 |
| Net interest margin | 2.4006% | 7,612 |
| Noninterest income to average assets | 0.1425% | 7,278 |
| Noninterest expense to average assets | 2.7300% | 4,873 |
| Loan and lease loss provision to assets | 0.3624% | 3,150 |
| Net operating income to assets | -0.7224% | 7,076 |
| Return on assets (ROA) | -1.1427% | 7,340 |
| Pretax return on assets | -1.1427% | 7,220 |
| Return on Equity (ROE) | -8.4739% | 7,269 |
| Retained earnings to average equity (ytd only) | -8.4739% | 6,960 |
| Net charge-offs to loans | 0.0653% | 4,554 |
| Credit loss provision to net charge-offs | 714.2857% | 833 |
| Earnings coverage of net charge-offs (x) | -7.0952% | 5,597 |
| Efficiency ratio | 115.1886% | 710 |
| Assets per employee ($millions) | 6.1597% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 4,464 |
| 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 | 75.9346% | 2,284 |
| Net loans and leases to deposits | 92.7646% | 2,472 |
| Net loans and leases to core deposits | 151.1908% | 670 |
| Total domestic deposits to total assets | 81.8573% | 4,609 |
| Equity capital to assets | 12.8919% | 1,793 |
| Core capital (leverage) ratio | 13.3356% | 1,376 |
| Tier 1 risk-based capital ratio | 14.8374% | 3,142 |
| Total risk-based capital ratio | 15.9588% | 3,133 |
| Memoranda: | ||
| Average total assets | $165,566,500 | 3,733 |
| Average earning assets | $153,626,000 | 3,688 |
| Average equity | $22,327,500 | 2,943 |
| Average total loans | $128,723,000 | 3,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 7,425 |
| Cost of funding earning assets | 2.8981% | 2,272 |
| Net interest margin | 2.5306% | 7,720 |
| Noninterest income to average assets | 0.1898% | 7,094 |
| Noninterest expense to average assets | 2.8854% | 4,501 |
| Loan and lease loss provision to assets | 0.5457% | 2,637 |
| Net operating income to assets | -0.8970% | 7,184 |
| Return on assets (ROA) | -0.8401% | 7,069 |
| Pretax return on assets | -0.8401% | 6,904 |
| Return on Equity (ROE) | -4.8198% | 6,846 |
| Retained earnings to average equity (ytd only) | -4.8198% | 6,482 |
| Net charge-offs to loans | 0.1036% | 5,274 |
| Credit loss provision to net charge-offs | 676.1905% | 629 |
| Earnings coverage of net charge-offs (x) | -4.3524% | 6,816 |
| Efficiency ratio | 113.8611% | 634 |
| Assets per employee ($millions) | 5.6665% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 4,365 |
| 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 | 77.7135% | 2,215 |
| Net loans and leases to deposits | 97.7261% | 2,167 |
| Net loans and leases to core deposits | 154.5261% | 699 |
| Total domestic deposits to total assets | 79.5217% | 5,192 |
| Equity capital to assets | 14.1308% | 1,393 |
| Core capital (leverage) ratio | 14.8614% | 1,064 |
| Tier 1 risk-based capital ratio | 16.0238% | 2,659 |
| Total risk-based capital ratio | 17.1196% | 2,657 |
| Memoranda: | ||
| Average total assets | $130,103,400 | 4,282 |
| Average earning assets | $120,527,000 | 4,247 |
| Average equity | $22,677,400 | 2,883 |
| Average total loans | $101,369,400 | 3,908 |