Home > Carthage Federal Savings and Loan Association > Performance and Condition Ratios
Carthage Federal Savings and Loan Association, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 3,150 |
| Cost of funding earning assets | 0.4630% | 1,109 |
| Net interest margin | 2.8554% | 3,542 |
| Noninterest income to average assets | 0.3600% | 3,278 |
| Noninterest expense to average assets | 1.9172% | 3,889 |
| Loan and lease loss provision to assets | 0.0204% | 2,661 |
| Net operating income to assets | 0.9170% | 2,981 |
| Return on assets (ROA) | 0.9170% | 3,041 |
| Pretax return on assets | 1.0908% | 3,004 |
| Return on Equity (ROE) | 8.6860% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.6860% | 1,286 |
| Net charge-offs to loans | 0.0081% | 2,277 |
| Credit loss provision to net charge-offs | 362.5000% | 965 |
| Earnings coverage of net charge-offs (x) | 197.7500% | 550 |
| Efficiency ratio | 63.3074% | 2,670 |
| Assets per employee ($millions) | 6.7615% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 4,633 |
| Loan loss allowance to noncurrent loans | 116.9719% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 2,090 |
| Noncurrent loans to loans | 0.4177% | 2,100 |
| Net loans and leases to total assets | 68.7006% | 1,186 |
| Net loans and leases to deposits | 80.4246% | 1,177 |
| Net loans and leases to core deposits | 95.9467% | 693 |
| Total domestic deposits to total assets | 85.4224% | 3,122 |
| Equity capital to assets | 10.8366% | 1,912 |
| Core capital (leverage) ratio | 11.6067% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9965% | 278 |
| Memoranda: | ||
| Average total assets | $284,742,400 | 2,508 |
| Average earning assets | $266,093,800 | 2,517 |
| Average equity | $30,059,800 | 2,531 |
| Average total loans | $196,933,200 | 2,251 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 3,484 |
| Cost of funding earning assets | 0.4790% | 1,165 |
| Net interest margin | 2.7814% | 3,821 |
| Noninterest income to average assets | 0.3809% | 3,206 |
| Noninterest expense to average assets | 1.7225% | 4,295 |
| Loan and lease loss provision to assets | 0.0186% | 2,633 |
| Net operating income to assets | 0.9682% | 3,027 |
| Return on assets (ROA) | 0.9682% | 3,109 |
| Pretax return on assets | 1.2400% | 2,804 |
| Return on Equity (ROE) | 9.2319% | 3,027 |
| Retained earnings to average equity (ytd only) | 9.2319% | 1,603 |
| Net charge-offs to loans | 0.0115% | 1,903 |
| Credit loss provision to net charge-offs | 235.2941% | 1,131 |
| Earnings coverage of net charge-offs (x) | 158.2353% | 654 |
| Efficiency ratio | 57.7774% | 3,304 |
| Assets per employee ($millions) | 8.0614% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4711% | 4,731 |
| Loan loss allowance to noncurrent loans | 248.4127% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 3,245 |
| Noncurrent loans to loans | 0.1896% | 3,191 |
| Net loans and leases to total assets | 68.3638% | 1,276 |
| Net loans and leases to deposits | 79.8108% | 1,309 |
| Net loans and leases to core deposits | 94.6917% | 801 |
| Total domestic deposits to total assets | 85.6574% | 2,889 |
| Equity capital to assets | 10.6026% | 2,360 |
| Core capital (leverage) ratio | 11.1749% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9797% | 302 |
| Memoranda: | ||
| Average total assets | $284,932,250 | 2,529 |
| Average earning assets | $266,378,500 | 2,533 |
| Average equity | $29,881,250 | 2,577 |
| Average total loans | $197,152,500 | 2,287 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 3,532 |
| Cost of funding earning assets | 0.5010% | 1,198 |
| Net interest margin | 2.7626% | 3,868 |
| Noninterest income to average assets | 0.3094% | 3,575 |
| Noninterest expense to average assets | 1.6626% | 4,419 |
| Loan and lease loss provision to assets | 0.0155% | 2,640 |
| Net operating income to assets | 0.9471% | 3,069 |
| Return on assets (ROA) | 0.9471% | 3,155 |
| Pretax return on assets | 1.2134% | 2,872 |
| Return on Equity (ROE) | 9.0654% | 3,077 |
| Retained earnings to average equity (ytd only) | 9.0654% | 1,688 |
| Net charge-offs to loans | 0.0183% | 1,578 |
| Credit loss provision to net charge-offs | 122.2222% | 1,249 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 768 |
| Efficiency ratio | 57.4988% | 3,344 |
| Assets per employee ($millions) | 8.3846% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4653% | 4,763 |
| Loan loss allowance to noncurrent loans | 289.3082% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,331 |
| Noncurrent loans to loans | 0.1608% | 3,414 |
| Net loans and leases to total assets | 67.0584% | 1,572 |
| Net loans and leases to deposits | 78.1639% | 1,604 |
| Net loans and leases to core deposits | 92.4635% | 978 |
| Total domestic deposits to total assets | 85.7920% | 2,807 |
| Equity capital to assets | 10.2753% | 2,599 |
| Core capital (leverage) ratio | 11.0334% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5730% | 316 |
| Memoranda: | ||
| Average total assets | $283,172,333 | 2,537 |
| Average earning assets | $264,682,333 | 2,539 |
| Average equity | $29,585,000 | 2,590 |
| Average total loans | $196,423,667 | 2,301 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 3,399 |
| Cost of funding earning assets | 0.5220% | 1,259 |
| Net interest margin | 2.8009% | 3,761 |
| Noninterest income to average assets | 0.2547% | 3,874 |
| Noninterest expense to average assets | 1.6703% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9380% | 3,015 |
| Return on assets (ROA) | 0.9380% | 3,093 |
| Pretax return on assets | 1.2013% | 2,844 |
| Return on Equity (ROE) | 8.9009% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.9009% | 1,978 |
| Net charge-offs to loans | 0.0572% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.8214% | 1,097 |
| Efficiency ratio | 58.1663% | 3,275 |
| Assets per employee ($millions) | 7.5196% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4541% | 4,800 |
| Loan loss allowance to noncurrent loans | 187.3418% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 3,315 |
| Noncurrent loans to loans | 0.2424% | 3,233 |
| Net loans and leases to total assets | 69.9652% | 1,296 |
| Net loans and leases to deposits | 82.2014% | 1,322 |
| Net loans and leases to core deposits | 97.4557% | 824 |
| Total domestic deposits to total assets | 85.1143% | 3,054 |
| Equity capital to assets | 10.5633% | 2,204 |
| Core capital (leverage) ratio | 11.3044% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8169% | 300 |
| Memoranda: | ||
| Average total assets | $278,027,500 | 2,555 |
| Average earning assets | $259,769,500 | 2,548 |
| Average equity | $29,300,500 | 2,600 |
| Average total loans | $195,780,000 | 2,311 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 3,819 |
| Cost of funding earning assets | 0.8674% | 961 |
| Net interest margin | 2.7311% | 4,342 |
| Noninterest income to average assets | 0.2311% | 4,117 |
| Noninterest expense to average assets | 1.9289% | 4,267 |
| Loan and lease loss provision to assets | 0.0508% | 3,742 |
| Net operating income to assets | 0.6341% | 3,637 |
| Return on assets (ROA) | 0.6341% | 3,765 |
| Pretax return on assets | 0.7880% | 3,657 |
| Return on Equity (ROE) | 5.8515% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.8515% | 1,870 |
| Net charge-offs to loans | 0.0280% | 2,474 |
| Credit loss provision to net charge-offs | 259.6154% | 1,890 |
| Earnings coverage of net charge-offs (x) | 42.8654% | 1,326 |
| Efficiency ratio | 69.6397% | 2,000 |
| Assets per employee ($millions) | 7.7174% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4673% | 4,811 |
| Loan loss allowance to noncurrent loans | 181.0277% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,372 |
| Noncurrent loans to loans | 0.2582% | 3,268 |
| Net loans and leases to total assets | 70.2211% | 1,530 |
| Net loans and leases to deposits | 82.7367% | 1,578 |
| Net loans and leases to core deposits | 99.6858% | 915 |
| Total domestic deposits to total assets | 84.8730% | 2,816 |
| Equity capital to assets | 10.5141% | 2,662 |
| Core capital (leverage) ratio | 11.1038% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2592% | 313 |
| Memoranda: | ||
| Average total assets | $265,742,600 | 2,485 |
| Average earning assets | $246,827,000 | 2,480 |
| Average equity | $28,796,200 | 2,542 |
| Average total loans | $185,786,000 | 2,365 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 3,910 |
| Cost of funding earning assets | 0.9534% | 896 |
| Net interest margin | 2.6982% | 4,465 |
| Noninterest income to average assets | 0.2289% | 4,124 |
| Noninterest expense to average assets | 1.8006% | 4,501 |
| Loan and lease loss provision to assets | 0.0552% | 3,660 |
| Net operating income to assets | 0.6917% | 3,486 |
| Return on assets (ROA) | 0.6917% | 3,585 |
| Pretax return on assets | 0.8749% | 3,450 |
| Return on Equity (ROE) | 6.3337% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.3337% | 1,954 |
| Net charge-offs to loans | 0.0160% | 2,560 |
| Credit loss provision to net charge-offs | 495.4545% | 1,295 |
| Earnings coverage of net charge-offs (x) | 83.3182% | 899 |
| Efficiency ratio | 65.8799% | 2,484 |
| Assets per employee ($millions) | 8.3046% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 4,828 |
| Loan loss allowance to noncurrent loans | 195.7447% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 3,510 |
| Noncurrent loans to loans | 0.2454% | 3,422 |
| Net loans and leases to total assets | 67.5054% | 2,314 |
| Net loans and leases to deposits | 79.5988% | 2,360 |
| Net loans and leases to core deposits | 95.4748% | 1,504 |
| Total domestic deposits to total assets | 84.8071% | 2,510 |
| Equity capital to assets | 10.4252% | 2,854 |
| Core capital (leverage) ratio | 11.0622% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1443% | 327 |
| Memoranda: | ||
| Average total assets | $262,721,250 | 2,493 |
| Average earning assets | $243,611,500 | 2,491 |
| Average equity | $28,692,500 | 2,547 |
| Average total loans | $183,230,000 | 2,388 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 3,940 |
| Cost of funding earning assets | 1.0848% | 743 |
| Net interest margin | 2.6875% | 4,566 |
| Noninterest income to average assets | 0.2069% | 4,244 |
| Noninterest expense to average assets | 1.8417% | 4,497 |
| Loan and lease loss provision to assets | 0.0687% | 3,429 |
| Net operating income to assets | 0.6035% | 3,725 |
| Return on assets (ROA) | 0.6035% | 3,803 |
| Pretax return on assets | 0.7877% | 3,626 |
| Return on Equity (ROE) | 5.4351% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.4351% | 2,298 |
| Net charge-offs to loans | 0.0211% | 2,301 |
| Credit loss provision to net charge-offs | 463.1579% | 1,287 |
| Earnings coverage of net charge-offs (x) | 57.7368% | 999 |
| Efficiency ratio | 68.2002% | 2,209 |
| Assets per employee ($millions) | 7.3389% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4835% | 4,850 |
| Loan loss allowance to noncurrent loans | 184.2857% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,630 |
| Noncurrent loans to loans | 0.2623% | 3,445 |
| Net loans and leases to total assets | 68.4519% | 2,272 |
| Net loans and leases to deposits | 81.3066% | 2,278 |
| Net loans and leases to core deposits | 98.0250% | 1,409 |
| Total domestic deposits to total assets | 84.1899% | 2,679 |
| Equity capital to assets | 10.6286% | 2,640 |
| Core capital (leverage) ratio | 11.1520% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2835% | 328 |
| Memoranda: | ||
| Average total assets | $256,176,667 | 2,504 |
| Average earning assets | $237,466,667 | 2,505 |
| Average equity | $28,444,667 | 2,552 |
| Average total loans | $180,465,000 | 2,396 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,792 |
| Cost of funding earning assets | 1.2312% | 694 |
| Net interest margin | 2.7671% | 4,603 |
| Noninterest income to average assets | 0.2093% | 4,295 |
| Noninterest expense to average assets | 1.9493% | 4,491 |
| Loan and lease loss provision to assets | 0.0290% | 3,420 |
| Net operating income to assets | 0.6278% | 3,524 |
| Return on assets (ROA) | 0.6278% | 3,582 |
| Pretax return on assets | 0.7887% | 3,440 |
| Return on Equity (ROE) | 5.5248% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.5248% | 2,056 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2152% | 2,321 |
| Assets per employee ($millions) | 7.6063% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 4,892 |
| Loan loss allowance to noncurrent loans | 106.5081% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,106 |
| Noncurrent loans to loans | 0.4485% | 2,906 |
| Net loans and leases to total assets | 70.6413% | 2,142 |
| Net loans and leases to deposits | 84.6490% | 2,146 |
| Net loans and leases to core deposits | 104.4578% | 1,157 |
| Total domestic deposits to total assets | 83.4520% | 2,960 |
| Equity capital to assets | 11.3733% | 2,540 |
| Core capital (leverage) ratio | 11.7677% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7892% | 336 |
| Memoranda: | ||
| Average total assets | $248,494,500 | 2,501 |
| Average earning assets | $229,698,000 | 2,499 |
| Average equity | $28,236,500 | 2,558 |
| Average total loans | $177,308,500 | 2,388 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 3,953 |
| Cost of funding earning assets | 1.2755% | 825 |
| Net interest margin | 2.8643% | 4,695 |
| Noninterest income to average assets | 0.2652% | 4,092 |
| Noninterest expense to average assets | 2.1109% | 4,342 |
| Loan and lease loss provision to assets | 0.0150% | 3,715 |
| Net operating income to assets | 0.6259% | 4,084 |
| Return on assets (ROA) | 0.6259% | 4,145 |
| Pretax return on assets | 0.8036% | 3,962 |
| Return on Equity (ROE) | 5.5932% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.5932% | 2,105 |
| Net charge-offs to loans | 0.0632% | 2,196 |
| Credit loss provision to net charge-offs | 32.7273% | 3,255 |
| Earnings coverage of net charge-offs (x) | 17.8455% | 2,087 |
| Efficiency ratio | 72.0000% | 1,868 |
| Assets per employee ($millions) | 6.6320% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 4,919 |
| Loan loss allowance to noncurrent loans | 78.3631% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 2,498 |
| Noncurrent loans to loans | 0.6024% | 2,378 |
| Net loans and leases to total assets | 71.5679% | 2,155 |
| Net loans and leases to deposits | 85.8822% | 2,105 |
| Net loans and leases to core deposits | 105.7214% | 1,122 |
| Total domestic deposits to total assets | 83.3327% | 3,091 |
| Equity capital to assets | 11.2016% | 2,816 |
| Core capital (leverage) ratio | 11.6110% | 2,034 |
| Tier 1 risk-based capital ratio | 26.9936% | 616 |
| Total risk-based capital ratio | 27.7734% | 635 |
| Memoranda: | ||
| Average total assets | $239,804,000 | 2,526 |
| Average earning assets | $223,053,600 | 2,512 |
| Average equity | $26,836,000 | 2,574 |
| Average total loans | $174,141,000 | 2,378 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 4,033 |
| Cost of funding earning assets | 1.2531% | 903 |
| Net interest margin | 2.8983% | 4,757 |
| Noninterest income to average assets | 0.2573% | 4,200 |
| Noninterest expense to average assets | 1.9848% | 4,584 |
| Loan and lease loss provision to assets | 0.0101% | 3,687 |
| Net operating income to assets | 0.7897% | 3,706 |
| Return on assets (ROA) | 0.7897% | 3,779 |
| Pretax return on assets | 0.9619% | 3,706 |
| Return on Equity (ROE) | 7.0581% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.0581% | 1,835 |
| Net charge-offs to loans | 0.0522% | 2,085 |
| Credit loss provision to net charge-offs | 26.4706% | 2,933 |
| Earnings coverage of net charge-offs (x) | 25.5601% | 1,767 |
| Efficiency ratio | 67.0134% | 2,585 |
| Assets per employee ($millions) | 6.7851% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 4,981 |
| Loan loss allowance to noncurrent loans | 126.3623% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 3,333 |
| Noncurrent loans to loans | 0.3892% | 3,152 |
| Net loans and leases to total assets | 69.1472% | 2,601 |
| Net loans and leases to deposits | 82.6516% | 2,599 |
| Net loans and leases to core deposits | 100.8324% | 1,592 |
| Total domestic deposits to total assets | 83.6610% | 2,950 |
| Equity capital to assets | 10.9142% | 3,177 |
| Core capital (leverage) ratio | 11.8310% | 1,976 |
| Tier 1 risk-based capital ratio | 27.4638% | 608 |
| Total risk-based capital ratio | 28.2835% | 624 |
| Memoranda: | ||
| Average total assets | $238,408,750 | 2,556 |
| Average earning assets | $222,057,750 | 2,537 |
| Average equity | $26,673,250 | 2,599 |
| Average total loans | $173,563,750 | 2,415 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 3,959 |
| Cost of funding earning assets | 1.2221% | 933 |
| Net interest margin | 2.9637% | 4,741 |
| Noninterest income to average assets | 0.2459% | 4,281 |
| Noninterest expense to average assets | 1.9684% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8523% | 3,462 |
| Return on assets (ROA) | 0.8523% | 3,520 |
| Pretax return on assets | 1.0402% | 3,415 |
| Return on Equity (ROE) | 7.5517% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.5517% | 1,578 |
| Net charge-offs to loans | 0.0173% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 81.2000% | 809 |
| Efficiency ratio | 65.3704% | 2,911 |
| Assets per employee ($millions) | 5.9838% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 4,996 |
| Loan loss allowance to noncurrent loans | 185.0622% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,645 |
| Noncurrent loans to loans | 0.2795% | 3,532 |
| Net loans and leases to total assets | 71.6749% | 2,253 |
| Net loans and leases to deposits | 86.7009% | 2,171 |
| Net loans and leases to core deposits | 107.0980% | 1,168 |
| Total domestic deposits to total assets | 82.6691% | 3,316 |
| Equity capital to assets | 11.2729% | 2,799 |
| Core capital (leverage) ratio | 12.1032% | 1,756 |
| Tier 1 risk-based capital ratio | 27.6660% | 580 |
| Total risk-based capital ratio | 28.5370% | 590 |
| Memoranda: | ||
| Average total assets | $234,195,000 | 2,585 |
| Average earning assets | $218,309,000 | 2,575 |
| Average equity | $26,431,000 | 2,603 |
| Average total loans | $173,267,670 | 2,423 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 3,757 |
| Cost of funding earning assets | 1.1582% | 1,021 |
| Net interest margin | 3.0787% | 4,623 |
| Noninterest income to average assets | 0.2245% | 4,399 |
| Noninterest expense to average assets | 1.8755% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9965% | 2,856 |
| Return on assets (ROA) | 0.9965% | 2,894 |
| Pretax return on assets | 1.2227% | 2,722 |
| Return on Equity (ROE) | 8.8241% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.8241% | 1,380 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4794% | 3,745 |
| Assets per employee ($millions) | 7.2904% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5225% | 5,054 |
| Loan loss allowance to noncurrent loans | 183.0645% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 3,773 |
| Noncurrent loans to loans | 0.2854% | 3,540 |
| Net loans and leases to total assets | 74.0970% | 1,783 |
| Net loans and leases to deposits | 90.1333% | 1,611 |
| Net loans and leases to core deposits | 110.6514% | 889 |
| Total domestic deposits to total assets | 82.2082% | 3,672 |
| Equity capital to assets | 11.3471% | 2,525 |
| Core capital (leverage) ratio | 12.1984% | 1,665 |
| Tier 1 risk-based capital ratio | 27.5808% | 587 |
| Total risk-based capital ratio | 28.4780% | 593 |
| Memoranda: | ||
| Average total assets | $231,616,000 | 2,629 |
| Average earning assets | $216,197,000 | 2,619 |
| Average equity | $26,155,500 | 2,627 |
| Average total loans | $173,677,500 | 2,437 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,460 |
| Cost of funding earning assets | 1.0256% | 681 |
| Net interest margin | 3.1672% | 4,545 |
| Noninterest income to average assets | 0.2922% | 4,152 |
| Noninterest expense to average assets | 1.9998% | 4,753 |
| Loan and lease loss provision to assets | 0.0320% | 3,545 |
| Net operating income to assets | 1.0035% | 2,996 |
| Return on assets (ROA) | 1.0035% | 2,980 |
| Pretax return on assets | 1.1930% | 2,909 |
| Return on Equity (ROE) | 8.9333% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.9333% | 890 |
| Net charge-offs to loans | 0.0157% | 3,163 |
| Credit loss provision to net charge-offs | 266.6667% | 1,122 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 734 |
| Efficiency ratio | 61.9448% | 3,534 |
| Assets per employee ($millions) | 7.2081% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 5,096 |
| Loan loss allowance to noncurrent loans | 137.7845% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,441 |
| Noncurrent loans to loans | 0.3796% | 3,171 |
| Net loans and leases to total assets | 74.8617% | 1,791 |
| Net loans and leases to deposits | 91.6656% | 1,592 |
| Net loans and leases to core deposits | 113.1997% | 822 |
| Total domestic deposits to total assets | 81.6683% | 3,728 |
| Equity capital to assets | 11.4337% | 2,307 |
| Core capital (leverage) ratio | 11.8627% | 1,826 |
| Tier 1 risk-based capital ratio | 26.5659% | 636 |
| Total risk-based capital ratio | 27.4487% | 647 |
| Memoranda: | ||
| Average total assets | $224,818,600 | 2,653 |
| Average earning assets | $208,161,800 | 2,650 |
| Average equity | $25,253,800 | 2,630 |
| Average total loans | $171,664,600 | 2,426 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,472 |
| Cost of funding earning assets | 0.9959% | 607 |
| Net interest margin | 3.1516% | 4,612 |
| Noninterest income to average assets | 0.2973% | 4,162 |
| Noninterest expense to average assets | 1.9174% | 4,877 |
| Loan and lease loss provision to assets | 0.0322% | 3,375 |
| Net operating income to assets | 1.1067% | 2,635 |
| Return on assets (ROA) | 1.1067% | 2,646 |
| Pretax return on assets | 1.2643% | 2,750 |
| Return on Equity (ROE) | 9.8981% | 2,664 |
| Retained earnings to average equity (ytd only) | 9.8981% | 955 |
| Net charge-offs to loans | 0.0086% | 3,112 |
| Credit loss provision to net charge-offs | 490.9091% | 722 |
| Earnings coverage of net charge-offs (x) | 197.4049% | 442 |
| Efficiency ratio | 59.6025% | 3,865 |
| Assets per employee ($millions) | 7.0580% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5242% | 5,159 |
| Loan loss allowance to noncurrent loans | 310.9966% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,337 |
| Noncurrent loans to loans | 0.1686% | 4,135 |
| Net loans and leases to total assets | 73.7331% | 2,030 |
| Net loans and leases to deposits | 90.4020% | 1,839 |
| Net loans and leases to core deposits | 111.0756% | 964 |
| Total domestic deposits to total assets | 81.5614% | 3,719 |
| Equity capital to assets | 11.1037% | 2,571 |
| Core capital (leverage) ratio | 11.6839% | 2,018 |
| Tier 1 risk-based capital ratio | 26.3614% | 657 |
| Total risk-based capital ratio | 27.2475% | 668 |
| Memoranda: | ||
| Average total assets | $223,358,250 | 2,683 |
| Average earning assets | $206,707,000 | 2,677 |
| Average equity | $24,974,000 | 2,662 |
| Average total loans | $171,184,750 | 2,442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,378 |
| Cost of funding earning assets | 0.9521% | 576 |
| Net interest margin | 3.1685% | 4,581 |
| Noninterest income to average assets | 0.2843% | 4,279 |
| Noninterest expense to average assets | 1.9448% | 4,892 |
| Loan and lease loss provision to assets | 0.0327% | 3,260 |
| Net operating income to assets | 1.1282% | 2,483 |
| Return on assets (ROA) | 1.1282% | 2,489 |
| Pretax return on assets | 1.2390% | 2,774 |
| Return on Equity (ROE) | 10.0656% | 2,536 |
| Retained earnings to average equity (ytd only) | 10.0656% | 910 |
| Net charge-offs to loans | 0.0105% | 2,770 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 155.5556% | 506 |
| Efficiency ratio | 60.4067% | 3,881 |
| Assets per employee ($millions) | 6.3599% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5175% | 5,235 |
| Loan loss allowance to noncurrent loans | 352.7778% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,447 |
| Noncurrent loans to loans | 0.1467% | 4,242 |
| Net loans and leases to total assets | 74.6421% | 1,844 |
| Net loans and leases to deposits | 91.9158% | 1,594 |
| Net loans and leases to core deposits | 113.2419% | 824 |
| Total domestic deposits to total assets | 81.2070% | 3,942 |
| Equity capital to assets | 11.0383% | 2,604 |
| Core capital (leverage) ratio | 11.6633% | 1,930 |
| Tier 1 risk-based capital ratio | 26.0033% | 673 |
| Total risk-based capital ratio | 26.8819% | 675 |
| Memoranda: | ||
| Average total assets | $220,173,330 | 2,726 |
| Average earning assets | $203,757,330 | 2,718 |
| Average equity | $24,678,000 | 2,685 |
| Average total loans | $170,700,000 | 2,454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 3,092 |
| Cost of funding earning assets | 0.9159% | 551 |
| Net interest margin | 3.2228% | 4,392 |
| Noninterest income to average assets | 0.2744% | 4,334 |
| Noninterest expense to average assets | 1.9279% | 4,979 |
| Loan and lease loss provision to assets | 0.0334% | 3,059 |
| Net operating income to assets | 1.0529% | 2,631 |
| Return on assets (ROA) | 1.0529% | 2,644 |
| Pretax return on assets | 1.2939% | 2,389 |
| Return on Equity (ROE) | 9.3189% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.3189% | 1,354 |
| Net charge-offs to loans | 0.0141% | 2,261 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 119.3333% | 526 |
| Efficiency ratio | 59.2255% | 4,175 |
| Assets per employee ($millions) | 6.7800% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 5,317 |
| Loan loss allowance to noncurrent loans | 391.9283% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,589 |
| Noncurrent loans to loans | 0.1312% | 4,378 |
| Net loans and leases to total assets | 75.5970% | 1,606 |
| Net loans and leases to deposits | 93.7142% | 1,254 |
| Net loans and leases to core deposits | 111.5059% | 915 |
| Total domestic deposits to total assets | 80.6677% | 4,281 |
| Equity capital to assets | 11.0102% | 2,568 |
| Core capital (leverage) ratio | 11.9449% | 1,681 |
| Tier 1 risk-based capital ratio | 25.7947% | 702 |
| Total risk-based capital ratio | 26.6711% | 713 |
| Memoranda: | ||
| Average total assets | $215,781,000 | 2,791 |
| Average earning assets | $199,578,000 | 2,790 |
| Average equity | $24,380,500 | 2,733 |
| Average total loans | $170,156,000 | 2,472 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,317 |
| Cost of funding earning assets | 0.8038% | 605 |
| Net interest margin | 3.2239% | 4,376 |
| Noninterest income to average assets | 0.3209% | 4,168 |
| Noninterest expense to average assets | 2.0440% | 4,887 |
| Loan and lease loss provision to assets | 0.0347% | 3,573 |
| Net operating income to assets | 1.0027% | 2,227 |
| Return on assets (ROA) | 1.0027% | 2,265 |
| Pretax return on assets | 1.2302% | 2,635 |
| Return on Equity (ROE) | 9.0020% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.0020% | 505 |
| Net charge-offs to loans | 0.0073% | 3,817 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 218.7500% | 369 |
| Efficiency ratio | 61.7737% | 3,975 |
| Assets per employee ($millions) | 6.4945% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 5,379 |
| Loan loss allowance to noncurrent loans | 368.8034% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,570 |
| Noncurrent loans to loans | 0.1374% | 4,375 |
| Net loans and leases to total assets | 81.5285% | 751 |
| Net loans and leases to deposits | 103.0601% | 544 |
| Net loans and leases to core deposits | 120.8575% | 562 |
| Total domestic deposits to total assets | 79.1077% | 4,524 |
| Equity capital to assets | 11.6094% | 2,109 |
| Core capital (leverage) ratio | 12.1231% | 1,545 |
| Tier 1 risk-based capital ratio | 25.5591% | 689 |
| Total risk-based capital ratio | 26.4359% | 698 |
| Memoranda: | ||
| Average total assets | $207,529,400 | 2,847 |
| Average earning assets | $192,343,800 | 2,840 |
| Average equity | $23,117,000 | 2,850 |
| Average total loans | $164,908,600 | 2,486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,434 |
| Cost of funding earning assets | 0.7849% | 629 |
| Net interest margin | 3.1923% | 4,467 |
| Noninterest income to average assets | 0.3303% | 4,170 |
| Noninterest expense to average assets | 1.9416% | 5,061 |
| Loan and lease loss provision to assets | 0.0347% | 3,423 |
| Net operating income to assets | 0.8027% | 3,513 |
| Return on assets (ROA) | 0.8027% | 3,560 |
| Pretax return on assets | 1.3156% | 2,415 |
| Return on Equity (ROE) | 7.2833% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,548 |
| Net charge-offs to loans | 0.0041% | 3,597 |
| Credit loss provision to net charge-offs | 1,080.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 419.9790% | 230 |
| Efficiency ratio | 58.9809% | 4,359 |
| Assets per employee ($millions) | 6.5209% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5093% | 5,452 |
| Loan loss allowance to noncurrent loans | 241.0765% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 4,346 |
| Noncurrent loans to loans | 0.2113% | 4,224 |
| Net loans and leases to total assets | 79.6641% | 1,035 |
| Net loans and leases to deposits | 99.6290% | 770 |
| Net loans and leases to core deposits | 115.9499% | 751 |
| Total domestic deposits to total assets | 79.9607% | 4,322 |
| Equity capital to assets | 11.2604% | 2,609 |
| Core capital (leverage) ratio | 11.5765% | 1,965 |
| Tier 1 risk-based capital ratio | 24.7662% | 779 |
| Total risk-based capital ratio | 25.6416% | 791 |
| Memoranda: | ||
| Average total assets | $207,456,000 | 2,869 |
| Average earning assets | $192,459,250 | 2,870 |
| Average equity | $22,864,500 | 2,894 |
| Average total loans | $163,561,250 | 2,505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,464 |
| Cost of funding earning assets | 0.7651% | 634 |
| Net interest margin | 3.1612% | 4,516 |
| Noninterest income to average assets | 0.3226% | 4,247 |
| Noninterest expense to average assets | 1.9483% | 5,088 |
| Loan and lease loss provision to assets | 0.0348% | 3,296 |
| Net operating income to assets | 0.7766% | 3,512 |
| Return on assets (ROA) | 0.7766% | 3,560 |
| Pretax return on assets | 1.2731% | 2,486 |
| Return on Equity (ROE) | 7.0982% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.0982% | 1,547 |
| Net charge-offs to loans | 0.0049% | 3,293 |
| Credit loss provision to net charge-offs | 900.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 338.5000% | 253 |
| Efficiency ratio | 59.8339% | 4,338 |
| Assets per employee ($millions) | 6.0998% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5112% | 5,507 |
| Loan loss allowance to noncurrent loans | 1,142.4658% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,983 |
| Noncurrent loans to loans | 0.0447% | 4,971 |
| Net loans and leases to total assets | 78.2624% | 1,206 |
| Net loans and leases to deposits | 96.5642% | 1,022 |
| Net loans and leases to core deposits | 112.3937% | 881 |
| Total domestic deposits to total assets | 81.0470% | 4,169 |
| Equity capital to assets | 11.1171% | 2,685 |
| Core capital (leverage) ratio | 11.4863% | 1,977 |
| Tier 1 risk-based capital ratio | 24.7453% | 776 |
| Total risk-based capital ratio | 25.6186% | 792 |
| Memoranda: | ||
| Average total assets | $207,051,330 | 2,881 |
| Average earning assets | $192,143,670 | 2,884 |
| Average equity | $22,653,670 | 2,916 |
| Average total loans | $162,386,330 | 2,528 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,375 |
| Cost of funding earning assets | 0.7543% | 635 |
| Net interest margin | 3.1521% | 4,494 |
| Noninterest income to average assets | 0.3906% | 3,734 |
| Noninterest expense to average assets | 1.9895% | 5,072 |
| Loan and lease loss provision to assets | 0.0348% | 3,090 |
| Net operating income to assets | 0.7927% | 3,255 |
| Return on assets (ROA) | 0.7927% | 3,313 |
| Pretax return on assets | 1.2993% | 2,237 |
| Return on Equity (ROE) | 7.3043% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.3043% | 1,746 |
| Net charge-offs to loans | -0.0346% | 4,999 |
| Credit loss provision to net charge-offs | -128.5714% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8604% | 4,470 |
| Assets per employee ($millions) | 6.5145% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 5,585 |
| Loan loss allowance to noncurrent loans | 1,017.0732% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,945 |
| Noncurrent loans to loans | 0.0507% | 4,988 |
| Net loans and leases to total assets | 77.2398% | 1,240 |
| Net loans and leases to deposits | 95.1626% | 993 |
| Net loans and leases to core deposits | 110.6516% | 849 |
| Total domestic deposits to total assets | 81.1661% | 4,379 |
| Equity capital to assets | 10.8680% | 2,779 |
| Core capital (leverage) ratio | 11.3416% | 2,069 |
| Tier 1 risk-based capital ratio | 24.8508% | 784 |
| Total risk-based capital ratio | 25.7427% | 800 |
| Memoranda: | ||
| Average total assets | $206,881,000 | 2,918 |
| Average earning assets | $192,507,000 | 2,903 |
| Average equity | $22,452,500 | 2,947 |
| Average total loans | $162,007,500 | 2,551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,282 |
| Cost of funding earning assets | 0.7678% | 585 |
| Net interest margin | 3.2089% | 4,425 |
| Noninterest income to average assets | 0.3563% | 4,191 |
| Noninterest expense to average assets | 2.3026% | 4,550 |
| Loan and lease loss provision to assets | 0.0365% | 3,633 |
| Net operating income to assets | 0.6837% | 3,853 |
| Return on assets (ROA) | 0.6837% | 3,967 |
| Pretax return on assets | 1.0314% | 3,358 |
| Return on Equity (ROE) | 6.3416% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.3416% | 1,530 |
| Net charge-offs to loans | 0.0418% | 3,196 |
| Credit loss provision to net charge-offs | 107.4627% | 2,433 |
| Earnings coverage of net charge-offs (x) | 31.4478% | 1,390 |
| Efficiency ratio | 68.2556% | 3,196 |
| Assets per employee ($millions) | 6.8432% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 5,665 |
| Loan loss allowance to noncurrent loans | 316.9960% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,647 |
| Noncurrent loans to loans | 0.1560% | 4,613 |
| Net loans and leases to total assets | 78.5988% | 1,106 |
| Net loans and leases to deposits | 96.7955% | 927 |
| Net loans and leases to core deposits | 112.8059% | 741 |
| Total domestic deposits to total assets | 81.2009% | 4,286 |
| Equity capital to assets | 10.8375% | 2,776 |
| Core capital (leverage) ratio | 11.3218% | 2,064 |
| Tier 1 risk-based capital ratio | 24.3144% | 839 |
| Total risk-based capital ratio | 25.1685% | 854 |
| Memoranda: | ||
| Average total assets | $197,296,400 | 2,983 |
| Average earning assets | $185,330,800 | 2,952 |
| Average equity | $21,272,400 | 3,040 |
| Average total loans | $160,270,600 | 2,518 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,217 |
| Cost of funding earning assets | 0.7677% | 586 |
| Net interest margin | 3.2367% | 4,384 |
| Noninterest income to average assets | 0.3379% | 4,364 |
| Noninterest expense to average assets | 2.1853% | 4,804 |
| Loan and lease loss provision to assets | 0.0369% | 3,514 |
| Net operating income to assets | 0.7100% | 3,790 |
| Return on assets (ROA) | 0.7100% | 3,928 |
| Pretax return on assets | 1.1640% | 2,987 |
| Return on Equity (ROE) | 6.5941% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.5941% | 1,850 |
| Net charge-offs to loans | 0.0459% | 2,732 |
| Credit loss provision to net charge-offs | 98.1818% | 2,408 |
| Earnings coverage of net charge-offs (x) | 31.9824% | 1,424 |
| Efficiency ratio | 64.4758% | 3,856 |
| Assets per employee ($millions) | 6.0333% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 5,735 |
| Loan loss allowance to noncurrent loans | 330.2905% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,651 |
| Noncurrent loans to loans | 0.1490% | 4,748 |
| Net loans and leases to total assets | 80.8220% | 780 |
| Net loans and leases to deposits | 98.4732% | 813 |
| Net loans and leases to core deposits | 116.7819% | 624 |
| Total domestic deposits to total assets | 82.0752% | 3,918 |
| Equity capital to assets | 10.8268% | 3,222 |
| Core capital (leverage) ratio | 11.3763% | 2,131 |
| Tier 1 risk-based capital ratio | 24.7369% | 841 |
| Total risk-based capital ratio | 25.6113% | 856 |
| Memoranda: | ||
| Average total assets | $195,296,250 | 3,014 |
| Average earning assets | $183,927,500 | 2,984 |
| Average equity | $21,028,250 | 3,091 |
| Average total loans | $159,797,500 | 2,526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 3,249 |
| Cost of funding earning assets | 0.7719% | 562 |
| Net interest margin | 3.2274% | 4,457 |
| Noninterest income to average assets | 0.3340% | 4,395 |
| Noninterest expense to average assets | 2.1883% | 4,867 |
| Loan and lease loss provision to assets | 0.0371% | 3,418 |
| Net operating income to assets | 0.7020% | 3,775 |
| Return on assets (ROA) | 0.7020% | 3,928 |
| Pretax return on assets | 1.1514% | 2,983 |
| Return on Equity (ROE) | 6.5316% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.5316% | 1,861 |
| Net charge-offs to loans | -0.0013% | 4,331 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7436% | 3,890 |
| Assets per employee ($millions) | 5.3218% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5167% | 5,784 |
| Loan loss allowance to noncurrent loans | 185.7461% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,500 |
| Noncurrent loans to loans | 0.2782% | 4,372 |
| Net loans and leases to total assets | 81.5430% | 677 |
| Net loans and leases to deposits | 98.9743% | 789 |
| Net loans and leases to core deposits | 117.3080% | 601 |
| Total domestic deposits to total assets | 82.3880% | 3,878 |
| Equity capital to assets | 10.7681% | 3,320 |
| Core capital (leverage) ratio | 11.3867% | 2,074 |
| Tier 1 risk-based capital ratio | 24.5600% | 848 |
| Total risk-based capital ratio | 25.4843% | 865 |
| Memoranda: | ||
| Average total assets | $194,029,000 | 3,051 |
| Average earning assets | $182,936,330 | 3,010 |
| Average equity | $20,852,330 | 3,111 |
| Average total loans | $159,159,670 | 2,542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,061 |
| Cost of funding earning assets | 0.7740% | 567 |
| Net interest margin | 3.2674% | 4,339 |
| Noninterest income to average assets | 0.2575% | 4,892 |
| Noninterest expense to average assets | 2.1829% | 4,945 |
| Loan and lease loss provision to assets | 0.0374% | 3,160 |
| Net operating income to assets | 0.6854% | 3,790 |
| Return on assets (ROA) | 0.6854% | 3,904 |
| Pretax return on assets | 1.1236% | 2,997 |
| Return on Equity (ROE) | 6.3839% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.3839% | 2,190 |
| Net charge-offs to loans | -0.0025% | 4,146 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 3,940 |
| Assets per employee ($millions) | 5.6717% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5176% | 5,847 |
| Loan loss allowance to noncurrent loans | 277.5510% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,877 |
| Noncurrent loans to loans | 0.1865% | 4,744 |
| Net loans and leases to total assets | 81.3273% | 646 |
| Net loans and leases to deposits | 98.4272% | 727 |
| Net loans and leases to core deposits | 117.5399% | 548 |
| Total domestic deposits to total assets | 82.6269% | 4,027 |
| Equity capital to assets | 10.8132% | 3,152 |
| Core capital (leverage) ratio | 11.3766% | 2,071 |
| Tier 1 risk-based capital ratio | 24.7551% | 839 |
| Total risk-based capital ratio | 25.6813% | 858 |
| Memoranda: | ||
| Average total assets | $192,590,500 | 3,071 |
| Average earning assets | $181,916,000 | 3,025 |
| Average equity | $20,677,000 | 3,131 |
| Average total loans | $158,041,000 | 2,548 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 3,330 |
| Cost of funding earning assets | 0.7399% | 669 |
| Net interest margin | 3.2543% | 4,458 |
| Noninterest income to average assets | 0.3866% | 4,145 |
| Noninterest expense to average assets | 2.2204% | 5,007 |
| Loan and lease loss provision to assets | 0.0378% | 3,591 |
| Net operating income to assets | 0.7590% | 3,532 |
| Return on assets (ROA) | 0.7590% | 3,628 |
| Pretax return on assets | 1.2034% | 2,649 |
| Return on Equity (ROE) | 7.0086% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.0086% | 1,277 |
| Net charge-offs to loans | 0.0104% | 4,106 |
| Credit loss provision to net charge-offs | 450.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 147.6875% | 427 |
| Efficiency ratio | 64.0819% | 4,243 |
| Assets per employee ($millions) | 6.0468% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 5,917 |
| Loan loss allowance to noncurrent loans | 166.3883% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,551 |
| Noncurrent loans to loans | 0.3023% | 4,374 |
| Net loans and leases to total assets | 81.4680% | 645 |
| Net loans and leases to deposits | 99.1571% | 741 |
| Net loans and leases to core deposits | 118.2455% | 533 |
| Total domestic deposits to total assets | 82.1605% | 4,126 |
| Equity capital to assets | 10.9531% | 2,870 |
| Core capital (leverage) ratio | 11.2325% | 2,176 |
| Tier 1 risk-based capital ratio | 24.3999% | 875 |
| Total risk-based capital ratio | 25.3053% | 906 |
| Memoranda: | ||
| Average total assets | $190,371,000 | 3,047 |
| Average earning assets | $179,884,800 | 3,001 |
| Average equity | $20,617,600 | 3,113 |
| Average total loans | $154,221,400 | 2,540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,352 |
| Cost of funding earning assets | 0.7371% | 696 |
| Net interest margin | 3.2617% | 4,485 |
| Noninterest income to average assets | 0.4241% | 3,908 |
| Noninterest expense to average assets | 2.1323% | 5,210 |
| Loan and lease loss provision to assets | 0.0380% | 3,451 |
| Net operating income to assets | 1.0479% | 2,226 |
| Return on assets (ROA) | 1.0479% | 2,328 |
| Pretax return on assets | 1.3376% | 2,256 |
| Return on Equity (ROE) | 9.7034% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.7034% | 692 |
| Net charge-offs to loans | 0.0113% | 3,781 |
| Credit loss provision to net charge-offs | 415.3846% | 742 |
| Earnings coverage of net charge-offs (x) | 150.4864% | 469 |
| Efficiency ratio | 60.7859% | 4,779 |
| Assets per employee ($millions) | 5.8049% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 6,017 |
| Loan loss allowance to noncurrent loans | 432.5967% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 5,155 |
| Noncurrent loans to loans | 0.1163% | 5,165 |
| Net loans and leases to total assets | 80.8658% | 713 |
| Net loans and leases to deposits | 97.7122% | 840 |
| Net loans and leases to core deposits | 116.3662% | 575 |
| Total domestic deposits to total assets | 82.7592% | 3,898 |
| Equity capital to assets | 11.1018% | 2,902 |
| Core capital (leverage) ratio | 11.2041% | 2,293 |
| Tier 1 risk-based capital ratio | 25.0253% | 853 |
| Total risk-based capital ratio | 25.9357% | 872 |
| Memoranda: | ||
| Average total assets | $189,589,250 | 3,084 |
| Average earning assets | $179,245,750 | 3,031 |
| Average equity | $20,473,500 | 3,154 |
| Average total loans | $153,167,750 | 2,563 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,314 |
| Cost of funding earning assets | 0.7278% | 728 |
| Net interest margin | 3.2672% | 4,430 |
| Noninterest income to average assets | 0.4668% | 3,580 |
| Noninterest expense to average assets | 2.1828% | 5,161 |
| Loan and lease loss provision to assets | 0.0381% | 3,355 |
| Net operating income to assets | 0.8987% | 2,884 |
| Return on assets (ROA) | 0.8987% | 3,007 |
| Pretax return on assets | 1.3349% | 2,229 |
| Return on Equity (ROE) | 8.4022% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.4022% | 1,119 |
| Net charge-offs to loans | 0.0171% | 3,370 |
| Credit loss provision to net charge-offs | 276.9231% | 980 |
| Earnings coverage of net charge-offs (x) | 99.7692% | 600 |
| Efficiency ratio | 61.3278% | 4,783 |
| Assets per employee ($millions) | 5.3360% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 6,089 |
| Loan loss allowance to noncurrent loans | 325.1064% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 5,270 |
| Noncurrent loans to loans | 0.1532% | 5,137 |
| Net loans and leases to total assets | 79.4670% | 874 |
| Net loans and leases to deposits | 95.8665% | 975 |
| Net loans and leases to core deposits | 113.2945% | 697 |
| Total domestic deposits to total assets | 82.8934% | 3,989 |
| Equity capital to assets | 10.7259% | 3,190 |
| Core capital (leverage) ratio | 10.8685% | 2,547 |
| Tier 1 risk-based capital ratio | 23.9687% | 956 |
| Total risk-based capital ratio | 24.8456% | 982 |
| Memoranda: | ||
| Average total assets | $188,931,330 | 3,117 |
| Average earning assets | $178,625,330 | 3,060 |
| Average equity | $20,209,000 | 3,197 |
| Average total loans | $152,326,330 | 2,589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,022 |
| Cost of funding earning assets | 0.7249% | 756 |
| Net interest margin | 3.3311% | 4,090 |
| Noninterest income to average assets | 0.7110% | 2,124 |
| Noninterest expense to average assets | 2.2034% | 5,133 |
| Loan and lease loss provision to assets | 0.0384% | 3,138 |
| Net operating income to assets | 1.0825% | 1,930 |
| Return on assets (ROA) | 1.0825% | 2,045 |
| Pretax return on assets | 1.6184% | 1,226 |
| Return on Equity (ROE) | 10.1342% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.1342% | 890 |
| Net charge-offs to loans | 0.0026% | 3,230 |
| Credit loss provision to net charge-offs | 1,800.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 776.0000% | 56 |
| Efficiency ratio | 57.0243% | 5,434 |
| Assets per employee ($millions) | 5.7515% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 6,166 |
| Loan loss allowance to noncurrent loans | 220.9913% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 4,285 |
| Noncurrent loans to loans | 0.2263% | 4,960 |
| Net loans and leases to total assets | 79.4446% | 746 |
| Net loans and leases to deposits | 95.3129% | 881 |
| Net loans and leases to core deposits | 112.7685% | 619 |
| Total domestic deposits to total assets | 83.3513% | 4,067 |
| Equity capital to assets | 10.6818% | 3,335 |
| Core capital (leverage) ratio | 10.6745% | 2,774 |
| Tier 1 risk-based capital ratio | 23.4701% | 1,050 |
| Total risk-based capital ratio | 24.3520% | 1,073 |
| Memoranda: | ||
| Average total assets | $187,349,000 | 3,151 |
| Average earning assets | $177,118,000 | 3,091 |
| Average equity | $20,011,500 | 3,237 |
| Average total loans | $151,781,000 | 2,599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,932 |
| Cost of funding earning assets | 0.7680% | 771 |
| Net interest margin | 3.4388% | 4,026 |
| Noninterest income to average assets | 0.3376% | 4,695 |
| Noninterest expense to average assets | 2.4130% | 4,809 |
| Loan and lease loss provision to assets | 0.0400% | 3,773 |
| Net operating income to assets | 0.7380% | 3,694 |
| Return on assets (ROA) | 0.7380% | 3,798 |
| Pretax return on assets | 1.1317% | 2,957 |
| Return on Equity (ROE) | 6.8330% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8330% | 1,483 |
| Net charge-offs to loans | 0.0147% | 4,585 |
| Credit loss provision to net charge-offs | 327.2727% | 802 |
| Earnings coverage of net charge-offs (x) | 95.7727% | 546 |
| Efficiency ratio | 67.2510% | 4,022 |
| Assets per employee ($millions) | 5.4562% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 6,270 |
| Loan loss allowance to noncurrent loans | 129.5455% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 3,819 |
| Noncurrent loans to loans | 0.3763% | 4,513 |
| Net loans and leases to total assets | 81.5471% | 569 |
| Net loans and leases to deposits | 98.5088% | 719 |
| Net loans and leases to core deposits | 114.6993% | 568 |
| Total domestic deposits to total assets | 82.7815% | 4,156 |
| Equity capital to assets | 10.8436% | 3,066 |
| Core capital (leverage) ratio | 10.8000% | 2,613 |
| Tier 1 risk-based capital ratio | 23.9081% | 967 |
| Total risk-based capital ratio | 24.7924% | 983 |
| Memoranda: | ||
| Average total assets | $179,815,600 | 3,208 |
| Average earning assets | $169,795,200 | 3,158 |
| Average equity | $19,420,400 | 3,226 |
| Average total loans | $149,357,600 | 2,581 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,838 |
| Cost of funding earning assets | 0.7793% | 765 |
| Net interest margin | 3.4613% | 3,974 |
| Noninterest income to average assets | 0.3296% | 4,798 |
| Noninterest expense to average assets | 2.3057% | 5,083 |
| Loan and lease loss provision to assets | 0.0404% | 3,604 |
| Net operating income to assets | 0.7646% | 3,598 |
| Return on assets (ROA) | 0.7646% | 3,695 |
| Pretax return on assets | 1.2534% | 2,561 |
| Return on Equity (ROE) | 7.0868% | 3,664 |
| Retained earnings to average equity (ytd only) | 7.0868% | 1,774 |
| Net charge-offs to loans | 0.0179% | 4,171 |
| Credit loss provision to net charge-offs | 270.0000% | 990 |
| Earnings coverage of net charge-offs (x) | 86.5369% | 654 |
| Efficiency ratio | 63.9950% | 4,541 |
| Assets per employee ($millions) | 5.1871% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4812% | 6,358 |
| Loan loss allowance to noncurrent loans | 74.9741% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 3,656 |
| Noncurrent loans to loans | 0.6419% | 4,012 |
| Net loans and leases to total assets | 82.5826% | 451 |
| Net loans and leases to deposits | 100.0053% | 616 |
| Net loans and leases to core deposits | 115.1319% | 545 |
| Total domestic deposits to total assets | 82.5782% | 4,274 |
| Equity capital to assets | 10.9018% | 3,066 |
| Core capital (leverage) ratio | 10.8676% | 2,611 |
| Tier 1 risk-based capital ratio | 23.6906% | 1,024 |
| Total risk-based capital ratio | 24.5611% | 1,061 |
| Memoranda: | ||
| Average total assets | $178,392,000 | 3,250 |
| Average earning assets | $168,525,250 | 3,203 |
| Average equity | $19,246,500 | 3,261 |
| Average total loans | $148,692,250 | 2,600 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,819 |
| Cost of funding earning assets | 0.7973% | 719 |
| Net interest margin | 3.4400% | 4,013 |
| Noninterest income to average assets | 0.2966% | 5,040 |
| Noninterest expense to average assets | 2.3446% | 5,042 |
| Loan and lease loss provision to assets | 0.0406% | 3,502 |
| Net operating income to assets | 0.7082% | 3,794 |
| Return on assets (ROA) | 0.7082% | 3,889 |
| Pretax return on assets | 1.1616% | 2,828 |
| Return on Equity (ROE) | 6.5881% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.5881% | 1,987 |
| Net charge-offs to loans | 0.0041% | 4,242 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 355.3333% | 193 |
| Efficiency ratio | 66.0413% | 4,361 |
| Assets per employee ($millions) | 4.8737% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 6,426 |
| Loan loss allowance to noncurrent loans | 114.7385% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 4,398 |
| Noncurrent loans to loans | 0.4268% | 4,712 |
| Net loans and leases to total assets | 81.5790% | 509 |
| Net loans and leases to deposits | 97.5265% | 696 |
| Net loans and leases to core deposits | 110.2824% | 685 |
| Total domestic deposits to total assets | 83.6480% | 4,055 |
| Equity capital to assets | 10.7599% | 3,136 |
| Core capital (leverage) ratio | 10.7222% | 2,696 |
| Tier 1 risk-based capital ratio | 23.7952% | 1,013 |
| Total risk-based capital ratio | 24.6862% | 1,040 |
| Memoranda: | ||
| Average total assets | $177,340,000 | 3,280 |
| Average earning assets | $167,558,670 | 3,223 |
| Average equity | $19,064,670 | 3,277 |
| Average total loans | $148,039,000 | 2,608 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,570 |
| Cost of funding earning assets | 0.8185% | 677 |
| Net interest margin | 3.4689% | 3,827 |
| Noninterest income to average assets | 0.2502% | 5,363 |
| Noninterest expense to average assets | 2.3839% | 4,976 |
| Loan and lease loss provision to assets | 0.0409% | 3,267 |
| Net operating income to assets | 0.6733% | 3,827 |
| Return on assets (ROA) | 0.6733% | 3,909 |
| Pretax return on assets | 1.1032% | 2,888 |
| Return on Equity (ROE) | 6.2660% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.2660% | 2,397 |
| Net charge-offs to loans | -0.0135% | 5,166 |
| Credit loss provision to net charge-offs | -360.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5048% | 4,270 |
| Assets per employee ($millions) | 5.1624% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4819% | 6,517 |
| Loan loss allowance to noncurrent loans | 133.4579% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,526 |
| Noncurrent loans to loans | 0.3611% | 5,041 |
| Net loans and leases to total assets | 84.0098% | 235 |
| Net loans and leases to deposits | 101.0998% | 397 |
| Net loans and leases to core deposits | 113.0748% | 491 |
| Total domestic deposits to total assets | 83.0959% | 4,578 |
| Equity capital to assets | 10.8535% | 2,873 |
| Core capital (leverage) ratio | 10.8267% | 2,564 |
| Tier 1 risk-based capital ratio | 23.5445% | 1,070 |
| Total risk-based capital ratio | 24.4291% | 1,102 |
| Memoranda: | ||
| Average total assets | $175,846,500 | 3,321 |
| Average earning assets | $166,162,500 | 3,266 |
| Average equity | $18,895,500 | 3,293 |
| Average total loans | $148,142,000 | 2,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,300 |
| Cost of funding earning assets | 0.8991% | 738 |
| Net interest margin | 3.5774% | 3,560 |
| Noninterest income to average assets | 0.2458% | 5,584 |
| Noninterest expense to average assets | 2.2831% | 5,422 |
| Loan and lease loss provision to assets | 0.0414% | 4,287 |
| Net operating income to assets | 0.8207% | 3,184 |
| Return on assets (ROA) | 0.8207% | 3,278 |
| Pretax return on assets | 1.3059% | 2,124 |
| Return on Equity (ROE) | 7.9498% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.9498% | 1,068 |
| Net charge-offs to loans | 0.0115% | 5,224 |
| Credit loss provision to net charge-offs | 423.5294% | 541 |
| Earnings coverage of net charge-offs (x) | 137.7059% | 336 |
| Efficiency ratio | 62.8884% | 5,074 |
| Assets per employee ($millions) | 5.1816% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4665% | 6,594 |
| Loan loss allowance to noncurrent loans | 68.2806% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 3,903 |
| Noncurrent loans to loans | 0.6832% | 4,265 |
| Net loans and leases to total assets | 83.6819% | 276 |
| Net loans and leases to deposits | 100.7579% | 447 |
| Net loans and leases to core deposits | 112.6482% | 511 |
| Total domestic deposits to total assets | 83.0525% | 4,530 |
| Equity capital to assets | 10.6378% | 2,991 |
| Core capital (leverage) ratio | 10.6185% | 2,762 |
| Tier 1 risk-based capital ratio | 22.9852% | 1,100 |
| Total risk-based capital ratio | 23.8343% | 1,141 |
| Memoranda: | ||
| Average total assets | $173,752,200 | 3,348 |
| Average earning assets | $164,392,600 | 3,285 |
| Average equity | $17,937,600 | 3,427 |
| Average total loans | $147,438,000 | 2,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 2,127 |
| Cost of funding earning assets | 0.9111% | 773 |
| Net interest margin | 3.6167% | 3,379 |
| Noninterest income to average assets | 0.2610% | 5,581 |
| Noninterest expense to average assets | 2.3301% | 5,243 |
| Loan and lease loss provision to assets | 0.0416% | 4,176 |
| Net operating income to assets | 0.8008% | 3,338 |
| Return on assets (ROA) | 0.8008% | 3,472 |
| Pretax return on assets | 1.3129% | 2,290 |
| Return on Equity (ROE) | 7.8178% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.8178% | 1,491 |
| Net charge-offs to loans | 0.0045% | 5,100 |
| Credit loss provision to net charge-offs | 1,080.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 351.6147% | 168 |
| Efficiency ratio | 63.2393% | 4,934 |
| Assets per employee ($millions) | 5.0618% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4647% | 6,679 |
| Loan loss allowance to noncurrent loans | 66.8945% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 3,939 |
| Noncurrent loans to loans | 0.6946% | 4,466 |
| Net loans and leases to total assets | 85.2605% | 179 |
| Net loans and leases to deposits | 102.2679% | 367 |
| Net loans and leases to core deposits | 111.3662% | 525 |
| Total domestic deposits to total assets | 83.3697% | 4,436 |
| Equity capital to assets | 10.6007% | 3,158 |
| Core capital (leverage) ratio | 10.6454% | 2,844 |
| Tier 1 risk-based capital ratio | 22.6283% | 1,208 |
| Total risk-based capital ratio | 23.4743% | 1,256 |
| Memoranda: | ||
| Average total assets | $173,147,000 | 3,388 |
| Average earning assets | $163,902,750 | 3,321 |
| Average equity | $17,736,750 | 3,498 |
| Average total loans | $147,268,500 | 2,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 1,937 |
| Cost of funding earning assets | 0.9310% | 771 |
| Net interest margin | 3.6411% | 3,205 |
| Noninterest income to average assets | 0.2709% | 5,517 |
| Noninterest expense to average assets | 2.3839% | 5,099 |
| Loan and lease loss provision to assets | 0.0415% | 4,122 |
| Net operating income to assets | 0.7896% | 3,352 |
| Return on assets (ROA) | 0.7896% | 3,511 |
| Pretax return on assets | 1.2946% | 2,318 |
| Return on Equity (ROE) | 7.7984% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.7984% | 1,568 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0843% | 4,859 |
| Assets per employee ($millions) | 4.5003% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4591% | 6,735 |
| Loan loss allowance to noncurrent loans | 146.0870% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 4,677 |
| Noncurrent loans to loans | 0.3142% | 5,511 |
| Net loans and leases to total assets | 85.2076% | 176 |
| Net loans and leases to deposits | 100.3112% | 408 |
| Net loans and leases to core deposits | 108.8668% | 610 |
| Total domestic deposits to total assets | 84.9432% | 3,913 |
| Equity capital to assets | 10.4665% | 3,348 |
| Core capital (leverage) ratio | 10.5056% | 2,872 |
| Tier 1 risk-based capital ratio | 22.5386% | 1,199 |
| Total risk-based capital ratio | 23.3817% | 1,236 |
| Memoranda: | ||
| Average total assets | $173,495,330 | 3,401 |
| Average earning assets | $164,345,330 | 3,334 |
| Average equity | $17,567,670 | 3,543 |
| Average total loans | $147,218,000 | 2,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,800 |
| Cost of funding earning assets | 0.9593% | 750 |
| Net interest margin | 3.6512% | 3,071 |
| Noninterest income to average assets | 0.2724% | 5,502 |
| Noninterest expense to average assets | 2.3807% | 5,181 |
| Loan and lease loss provision to assets | 0.0412% | 3,912 |
| Net operating income to assets | 0.7989% | 3,176 |
| Return on assets (ROA) | 0.7989% | 3,307 |
| Pretax return on assets | 1.3094% | 2,200 |
| Return on Equity (ROE) | 8.0221% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.0221% | 1,747 |
| Net charge-offs to loans | -0.0108% | 5,469 |
| Credit loss provision to net charge-offs | -450.0000% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8037% | 5,036 |
| Assets per employee ($millions) | 4.9914% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 6,828 |
| Loan loss allowance to noncurrent loans | 80.9348% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 4,815 |
| Noncurrent loans to loans | 0.5543% | 5,053 |
| Net loans and leases to total assets | 83.5740% | 207 |
| Net loans and leases to deposits | 98.4963% | 420 |
| Net loans and leases to core deposits | 107.0364% | 601 |
| Total domestic deposits to total assets | 84.8499% | 4,117 |
| Equity capital to assets | 10.0602% | 4,065 |
| Core capital (leverage) ratio | 10.0911% | 3,284 |
| Tier 1 risk-based capital ratio | 21.8137% | 1,369 |
| Total risk-based capital ratio | 22.6279% | 1,428 |
| Memoranda: | ||
| Average total assets | $174,736,500 | 3,415 |
| Average earning assets | $165,536,500 | 3,355 |
| Average equity | $17,402,000 | 3,606 |
| Average total loans | $147,633,000 | 2,623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 2,044 |
| Cost of funding earning assets | 1.1986% | 585 |
| Net interest margin | 3.6450% | 3,902 |
| Noninterest income to average assets | 0.2965% | 5,348 |
| Noninterest expense to average assets | 2.4536% | 5,241 |
| Loan and lease loss provision to assets | 0.0415% | 5,337 |
| Net operating income to assets | 0.8179% | 3,201 |
| Return on assets (ROA) | 0.8179% | 3,445 |
| Pretax return on assets | 1.2603% | 2,567 |
| Return on Equity (ROE) | 8.5661% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.5661% | 943 |
| Net charge-offs to loans | 0.0103% | 5,788 |
| Credit loss provision to net charge-offs | 480.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 150.4667% | 281 |
| Efficiency ratio | 65.3356% | 4,640 |
| Assets per employee ($millions) | 5.8258% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4280% | 6,878 |
| Loan loss allowance to noncurrent loans | 47.2862% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 4,152 |
| Noncurrent loans to loans | 0.9051% | 4,376 |
| Net loans and leases to total assets | 84.6631% | 187 |
| Net loans and leases to deposits | 100.0007% | 413 |
| Net loans and leases to core deposits | 108.9666% | 571 |
| Total domestic deposits to total assets | 84.6625% | 4,007 |
| Equity capital to assets | 9.8579% | 4,367 |
| Core capital (leverage) ratio | 9.8871% | 3,562 |
| Tier 1 risk-based capital ratio | 20.8062% | 1,501 |
| Total risk-based capital ratio | 21.5720% | 1,572 |
| Memoranda: | ||
| Average total assets | $173,377,600 | 3,396 |
| Average earning assets | $164,525,200 | 3,313 |
| Average equity | $16,553,600 | 3,692 |
| Average total loans | $145,479,800 | 2,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 2,140 |
| Cost of funding earning assets | 1.2367% | 585 |
| Net interest margin | 3.6274% | 4,116 |
| Noninterest income to average assets | 0.3013% | 5,370 |
| Noninterest expense to average assets | 2.3117% | 5,656 |
| Loan and lease loss provision to assets | 0.0416% | 5,255 |
| Net operating income to assets | 0.8492% | 3,221 |
| Return on assets (ROA) | 0.8492% | 3,472 |
| Pretax return on assets | 1.3924% | 2,262 |
| Return on Equity (ROE) | 8.9675% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.9675% | 1,241 |
| Net charge-offs to loans | 0.0018% | 5,751 |
| Credit loss provision to net charge-offs | 2,700.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 929.3146% | 43 |
| Efficiency ratio | 61.7157% | 5,200 |
| Assets per employee ($millions) | 4.4844% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4297% | 6,993 |
| Loan loss allowance to noncurrent loans | 58.2641% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,054 |
| Noncurrent loans to loans | 0.7375% | 4,947 |
| Net loans and leases to total assets | 83.6053% | 246 |
| Net loans and leases to deposits | 98.4408% | 519 |
| Net loans and leases to core deposits | 107.4508% | 675 |
| Total domestic deposits to total assets | 84.9296% | 3,770 |
| Equity capital to assets | 9.6900% | 4,937 |
| Core capital (leverage) ratio | 9.7003% | 3,958 |
| Tier 1 risk-based capital ratio | 20.7361% | 1,590 |
| Total risk-based capital ratio | 21.5073% | 1,665 |
| Memoranda: | ||
| Average total assets | $173,028,500 | 3,438 |
| Average earning assets | $164,303,000 | 3,350 |
| Average equity | $16,384,750 | 3,755 |
| Average total loans | $144,698,500 | 2,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 2,304 |
| Cost of funding earning assets | 1.2792% | 576 |
| Net interest margin | 3.5712% | 4,381 |
| Noninterest income to average assets | 0.3039% | 5,377 |
| Noninterest expense to average assets | 2.3189% | 5,679 |
| Loan and lease loss provision to assets | 0.0418% | 5,151 |
| Net operating income to assets | 0.8144% | 3,336 |
| Return on assets (ROA) | 0.8144% | 3,590 |
| Pretax return on assets | 1.3341% | 2,443 |
| Return on Equity (ROE) | 8.6681% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.6681% | 1,390 |
| Net charge-offs to loans | -0.0181% | 6,403 |
| Credit loss provision to net charge-offs | -276.9231% | 6,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7630% | 5,122 |
| Assets per employee ($millions) | 4.7134% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 7,061 |
| Loan loss allowance to noncurrent loans | 54.8472% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 5,093 |
| Noncurrent loans to loans | 0.7913% | 4,931 |
| Net loans and leases to total assets | 82.6137% | 298 |
| Net loans and leases to deposits | 95.8494% | 643 |
| Net loans and leases to core deposits | 104.5067% | 824 |
| Total domestic deposits to total assets | 86.1912% | 3,256 |
| Equity capital to assets | 9.4899% | 5,079 |
| Core capital (leverage) ratio | 9.4985% | 4,143 |
| Tier 1 risk-based capital ratio | 20.4357% | 1,594 |
| Total risk-based capital ratio | 21.2105% | 1,681 |
| Memoranda: | ||
| Average total assets | $172,407,330 | 3,466 |
| Average earning assets | $163,697,330 | 3,366 |
| Average equity | $16,197,330 | 3,775 |
| Average total loans | $143,981,330 | 2,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 2,253 |
| Cost of funding earning assets | 1.3312% | 555 |
| Net interest margin | 3.5661% | 4,416 |
| Noninterest income to average assets | 0.3057% | 5,439 |
| Noninterest expense to average assets | 2.3755% | 5,553 |
| Loan and lease loss provision to assets | 0.0420% | 4,867 |
| Net operating income to assets | 0.7794% | 3,476 |
| Return on assets (ROA) | 0.7794% | 3,715 |
| Pretax return on assets | 1.2764% | 2,624 |
| Return on Equity (ROE) | 8.3391% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.3391% | 1,843 |
| Net charge-offs to loans | -0.0306% | 6,346 |
| Credit loss provision to net charge-offs | -163.6364% | 5,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3083% | 4,870 |
| Assets per employee ($millions) | 5.0517% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4239% | 7,118 |
| Loan loss allowance to noncurrent loans | 98.3819% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 5,982 |
| Noncurrent loans to loans | 0.4309% | 5,806 |
| Net loans and leases to total assets | 83.1531% | 213 |
| Net loans and leases to deposits | 96.7858% | 492 |
| Net loans and leases to core deposits | 105.4037% | 699 |
| Total domestic deposits to total assets | 85.9146% | 3,581 |
| Equity capital to assets | 9.4237% | 4,915 |
| Core capital (leverage) ratio | 9.4301% | 4,151 |
| Tier 1 risk-based capital ratio | 20.1155% | 1,679 |
| Total risk-based capital ratio | 20.8706% | 1,779 |
| Memoranda: | ||
| Average total assets | $171,413,000 | 3,495 |
| Average earning assets | $162,865,500 | 3,395 |
| Average equity | $16,021,000 | 3,813 |
| Average total loans | $143,620,500 | 2,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 2,829 |
| Cost of funding earning assets | 1.5758% | 523 |
| Net interest margin | 3.4348% | 5,381 |
| Noninterest income to average assets | 0.4637% | 4,105 |
| Noninterest expense to average assets | 2.5807% | 5,168 |
| Loan and lease loss provision to assets | 0.0429% | 6,040 |
| Net operating income to assets | 0.7492% | 3,263 |
| Return on assets (ROA) | 0.7492% | 3,430 |
| Pretax return on assets | 1.1205% | 2,762 |
| Return on Equity (ROE) | 8.1609% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.1609% | 1,027 |
| Net charge-offs to loans | 0.0148% | 6,231 |
| Credit loss provision to net charge-offs | 342.8571% | 671 |
| Earnings coverage of net charge-offs (x) | 92.9524% | 326 |
| Efficiency ratio | 68.9271% | 4,171 |
| Assets per employee ($millions) | 5.1838% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 7,166 |
| Loan loss allowance to noncurrent loans | 57.4975% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 5,430 |
| Noncurrent loans to loans | 0.7002% | 5,298 |
| Net loans and leases to total assets | 83.7280% | 220 |
| Net loans and leases to deposits | 97.4201% | 593 |
| Net loans and leases to core deposits | 104.7263% | 856 |
| Total domestic deposits to total assets | 85.9453% | 3,352 |
| Equity capital to assets | 9.2689% | 5,185 |
| Core capital (leverage) ratio | 9.9698% | 3,376 |
| Tier 1 risk-based capital ratio | 20.4236% | 1,538 |
| Total risk-based capital ratio | 21.1172% | 1,638 |
| Memoranda: | ||
| Average total assets | $167,787,000 | 3,522 |
| Average earning assets | $160,240,400 | 3,400 |
| Average equity | $15,402,800 | 3,836 |
| Average total loans | $141,837,400 | 2,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 2,789 |
| Cost of funding earning assets | 1.6229% | 528 |
| Net interest margin | 3.4398% | 5,430 |
| Noninterest income to average assets | 0.4448% | 4,333 |
| Noninterest expense to average assets | 2.3054% | 6,015 |
| Loan and lease loss provision to assets | 0.0431% | 5,900 |
| Net operating income to assets | 0.8441% | 2,968 |
| Return on assets (ROA) | 0.8441% | 3,117 |
| Pretax return on assets | 1.3831% | 1,989 |
| Return on Equity (ROE) | 9.2174% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.2174% | 1,071 |
| Net charge-offs to loans | 0.0245% | 5,801 |
| Credit loss provision to net charge-offs | 207.6923% | 1,408 |
| Earnings coverage of net charge-offs (x) | 68.6839% | 479 |
| Efficiency ratio | 61.7804% | 5,446 |
| Assets per employee ($millions) | 4.9289% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3859% | 7,240 |
| Loan loss allowance to noncurrent loans | 108.5938% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 6,249 |
| Noncurrent loans to loans | 0.3554% | 6,142 |
| Net loans and leases to total assets | 85.6352% | 139 |
| Net loans and leases to deposits | 100.4480% | 454 |
| Net loans and leases to core deposits | 105.0478% | 916 |
| Total domestic deposits to total assets | 85.2533% | 3,645 |
| Equity capital to assets | 9.4383% | 5,182 |
| Core capital (leverage) ratio | 10.0596% | 3,360 |
| Tier 1 risk-based capital ratio | 20.1685% | 1,646 |
| Total risk-based capital ratio | 20.8340% | 1,760 |
| Memoranda: | ||
| Average total assets | $166,967,000 | 3,561 |
| Average earning assets | $159,541,500 | 3,434 |
| Average equity | $15,289,500 | 3,865 |
| Average total loans | $141,344,250 | 2,785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 2,929 |
| Cost of funding earning assets | 1.6448% | 577 |
| Net interest margin | 3.4049% | 5,540 |
| Noninterest income to average assets | 0.4054% | 4,633 |
| Noninterest expense to average assets | 2.3962% | 5,856 |
| Loan and lease loss provision to assets | 0.0432% | 5,774 |
| Net operating income to assets | 0.7484% | 3,302 |
| Return on assets (ROA) | 0.7484% | 3,425 |
| Pretax return on assets | 1.2257% | 2,385 |
| Return on Equity (ROE) | 8.2574% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2574% | 1,364 |
| Net charge-offs to loans | 0.0356% | 5,355 |
| Credit loss provision to net charge-offs | 144.0000% | 2,124 |
| Earnings coverage of net charge-offs (x) | 42.3200% | 715 |
| Efficiency ratio | 65.3796% | 4,986 |
| Assets per employee ($millions) | 4.7859% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 7,305 |
| Loan loss allowance to noncurrent loans | 107.3705% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 6,318 |
| Noncurrent loans to loans | 0.3533% | 6,215 |
| Net loans and leases to total assets | 84.5104% | 212 |
| Net loans and leases to deposits | 99.1143% | 537 |
| Net loans and leases to core deposits | 103.6553% | 1,063 |
| Total domestic deposits to total assets | 85.2656% | 3,746 |
| Equity capital to assets | 9.1847% | 5,304 |
| Core capital (leverage) ratio | 9.8052% | 3,515 |
| Tier 1 risk-based capital ratio | 19.8922% | 1,629 |
| Total risk-based capital ratio | 20.5453% | 1,733 |
| Memoranda: | ||
| Average total assets | $166,761,670 | 3,588 |
| Average earning assets | $159,651,670 | 3,454 |
| Average equity | $15,113,670 | 3,887 |
| Average total loans | $140,437,000 | 2,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 2,645 |
| Cost of funding earning assets | 1.6636% | 645 |
| Net interest margin | 3.4377% | 5,277 |
| Noninterest income to average assets | 0.3774% | 4,898 |
| Noninterest expense to average assets | 2.4761% | 5,639 |
| Loan and lease loss provision to assets | 0.0433% | 5,450 |
| Net operating income to assets | 0.7020% | 3,512 |
| Return on assets (ROA) | 0.7020% | 3,579 |
| Pretax return on assets | 1.1515% | 2,555 |
| Return on Equity (ROE) | 7.7981% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.7981% | 1,808 |
| Net charge-offs to loans | 0.0544% | 4,391 |
| Credit loss provision to net charge-offs | 94.7368% | 2,854 |
| Earnings coverage of net charge-offs (x) | 26.1579% | 932 |
| Efficiency ratio | 67.4525% | 4,764 |
| Assets per employee ($millions) | 4.7207% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 7,356 |
| Loan loss allowance to noncurrent loans | 218.6722% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 6,675 |
| Noncurrent loans to loans | 0.1730% | 6,617 |
| Net loans and leases to total assets | 84.0169% | 228 |
| Net loans and leases to deposits | 98.9268% | 526 |
| Net loans and leases to core deposits | 103.5430% | 1,088 |
| Total domestic deposits to total assets | 84.9284% | 4,065 |
| Equity capital to assets | 9.1518% | 4,955 |
| Core capital (leverage) ratio | 9.7393% | 3,474 |
| Tier 1 risk-based capital ratio | 19.6999% | 1,649 |
| Total risk-based capital ratio | 20.3454% | 1,742 |
| Memoranda: | ||
| Average total assets | $166,389,500 | 3,614 |
| Average earning assets | $159,410,500 | 3,479 |
| Average equity | $14,978,000 | 3,906 |
| Average total loans | $139,606,000 | 2,899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3063% | 3,108 |
| Cost of funding earning assets | 1.8348% | 1,048 |
| Net interest margin | 3.4715% | 5,356 |
| Noninterest income to average assets | 0.4834% | 4,297 |
| Noninterest expense to average assets | 2.6199% | 5,333 |
| Loan and lease loss provision to assets | 0.0439% | 6,723 |
| Net operating income to assets | 0.7748% | 2,901 |
| Return on assets (ROA) | 0.7748% | 3,031 |
| Pretax return on assets | 1.1503% | 2,394 |
| Return on Equity (ROE) | 8.9003% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.9003% | 732 |
| Net charge-offs to loans | 0.0161% | 6,661 |
| Credit loss provision to net charge-offs | 327.2727% | 787 |
| Earnings coverage of net charge-offs (x) | 89.0455% | 277 |
| Efficiency ratio | 68.6911% | 4,429 |
| Assets per employee ($millions) | 4.7873% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 7,441 |
| Loan loss allowance to noncurrent loans | 134.7826% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,605 |
| Noncurrent loans to loans | 0.2795% | 6,497 |
| Net loans and leases to total assets | 83.1618% | 370 |
| Net loans and leases to deposits | 97.8559% | 729 |
| Net loans and leases to core deposits | 102.3528% | 1,426 |
| Total domestic deposits to total assets | 84.9839% | 3,854 |
| Equity capital to assets | 8.8539% | 5,350 |
| Core capital (leverage) ratio | 9.4311% | 3,802 |
| Tier 1 risk-based capital ratio | 19.2498% | 1,652 |
| Total risk-based capital ratio | 19.8920% | 1,777 |
| Memoranda: | ||
| Average total assets | $164,049,800 | 3,632 |
| Average earning assets | $157,398,000 | 3,498 |
| Average equity | $14,280,400 | 4,079 |
| Average total loans | $136,482,800 | 3,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 3,085 |
| Cost of funding earning assets | 1.8922% | 1,056 |
| Net interest margin | 3.4656% | 5,431 |
| Noninterest income to average assets | 0.4265% | 4,749 |
| Noninterest expense to average assets | 2.3279% | 6,240 |
| Loan and lease loss provision to assets | 0.0441% | 6,648 |
| Net operating income to assets | 0.8400% | 2,844 |
| Return on assets (ROA) | 0.8400% | 2,973 |
| Pretax return on assets | 1.3768% | 1,945 |
| Return on Equity (ROE) | 9.6921% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.6921% | 867 |
| Net charge-offs to loans | 0.0403% | 6,146 |
| Credit loss provision to net charge-offs | 131.7073% | 3,064 |
| Earnings coverage of net charge-offs (x) | 42.4110% | 654 |
| Efficiency ratio | 62.0968% | 5,606 |
| Assets per employee ($millions) | 4.4667% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3557% | 7,564 |
| Loan loss allowance to noncurrent loans | 91.6045% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 6,379 |
| Noncurrent loans to loans | 0.3883% | 6,418 |
| Net loans and leases to total assets | 83.2304% | 388 |
| Net loans and leases to deposits | 98.5076% | 765 |
| Net loans and leases to core deposits | 103.1271% | 1,558 |
| Total domestic deposits to total assets | 84.4913% | 3,869 |
| Equity capital to assets | 8.8770% | 5,736 |
| Core capital (leverage) ratio | 9.4541% | 3,974 |
| Tier 1 risk-based capital ratio | 19.0934% | 1,733 |
| Total risk-based capital ratio | 19.6938% | 1,846 |
| Memoranda: | ||
| Average total assets | $163,173,750 | 3,690 |
| Average earning assets | $156,430,250 | 3,559 |
| Average equity | $14,141,750 | 4,176 |
| Average total loans | $135,636,500 | 3,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 3,257 |
| Cost of funding earning assets | 1.9075% | 1,214 |
| Net interest margin | 3.4340% | 5,501 |
| Noninterest income to average assets | 0.4087% | 4,839 |
| Noninterest expense to average assets | 2.3339% | 6,262 |
| Loan and lease loss provision to assets | 0.0443% | 6,532 |
| Net operating income to assets | 0.8075% | 2,935 |
| Return on assets (ROA) | 0.8075% | 3,080 |
| Pretax return on assets | 1.3257% | 2,015 |
| Return on Equity (ROE) | 9.3947% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.3947% | 985 |
| Net charge-offs to loans | 0.0534% | 5,633 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 30.9167% | 902 |
| Efficiency ratio | 63.0110% | 5,516 |
| Assets per employee ($millions) | 4.4800% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3509% | 7,634 |
| Loan loss allowance to noncurrent loans | 105.0549% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 6,559 |
| Noncurrent loans to loans | 0.3340% | 6,561 |
| Net loans and leases to total assets | 81.8908% | 542 |
| Net loans and leases to deposits | 96.9267% | 963 |
| Net loans and leases to core deposits | 101.4575% | 1,870 |
| Total domestic deposits to total assets | 84.4873% | 3,880 |
| Equity capital to assets | 8.6239% | 5,983 |
| Core capital (leverage) ratio | 9.2011% | 4,300 |
| Tier 1 risk-based capital ratio | 19.0447% | 1,711 |
| Total risk-based capital ratio | 19.6419% | 1,830 |
| Memoranda: | ||
| Average total assets | $162,475,330 | 3,734 |
| Average earning assets | $155,911,670 | 3,601 |
| Average equity | $13,965,330 | 4,209 |
| Average total loans | $134,833,670 | 3,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 2,718 |
| Cost of funding earning assets | 1.9556% | 1,228 |
| Net interest margin | 3.5170% | 5,096 |
| Noninterest income to average assets | 0.3681% | 5,196 |
| Noninterest expense to average assets | 2.3528% | 6,238 |
| Loan and lease loss provision to assets | 0.0448% | 6,226 |
| Net operating income to assets | 0.8182% | 2,888 |
| Return on assets (ROA) | 0.8182% | 2,980 |
| Pretax return on assets | 1.3430% | 1,925 |
| Return on Equity (ROE) | 9.5359% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.5359% | 1,261 |
| Net charge-offs to loans | 0.0656% | 4,752 |
| Credit loss provision to net charge-offs | 81.8182% | 3,831 |
| Earnings coverage of net charge-offs (x) | 25.3636% | 984 |
| Efficiency ratio | 62.8989% | 5,678 |
| Assets per employee ($millions) | 4.7195% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3556% | 7,716 |
| Loan loss allowance to noncurrent loans | 209.7345% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 6,939 |
| Noncurrent loans to loans | 0.1695% | 6,999 |
| Net loans and leases to total assets | 82.7767% | 495 |
| Net loans and leases to deposits | 98.6762% | 849 |
| Net loans and leases to core deposits | 98.6762% | 2,274 |
| Total domestic deposits to total assets | 83.8873% | 4,198 |
| Equity capital to assets | 8.6986% | 5,730 |
| Core capital (leverage) ratio | 9.3007% | 4,055 |
| Tier 1 risk-based capital ratio | 19.1246% | 1,691 |
| Total risk-based capital ratio | 19.7323% | 1,804 |
| Memoranda: | ||
| Average total assets | $160,832,500 | 3,825 |
| Average earning assets | $154,223,500 | 3,686 |
| Average equity | $13,800,500 | 4,285 |
| Average total loans | $134,140,000 | 3,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 3,464 |
| Cost of funding earning assets | 2.4619% | 1,116 |
| Net interest margin | 3.1636% | 6,195 |
| Noninterest income to average assets | 0.4698% | 4,652 |
| Noninterest expense to average assets | 2.5920% | 5,822 |
| Loan and lease loss provision to assets | 0.0463% | 7,101 |
| Net operating income to assets | 0.5972% | 3,337 |
| Return on assets (ROA) | 0.5972% | 3,419 |
| Pretax return on assets | 0.8745% | 3,006 |
| Return on Equity (ROE) | 7.0411% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.0411% | 949 |
| Net charge-offs to loans | 0.0219% | 6,928 |
| Credit loss provision to net charge-offs | 257.1429% | 1,364 |
| Earnings coverage of net charge-offs (x) | 51.1071% | 510 |
| Efficiency ratio | 73.7864% | 3,939 |
| Assets per employee ($millions) | 4.7412% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 7,791 |
| Loan loss allowance to noncurrent loans | 86.4376% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,582 |
| Noncurrent loans to loans | 0.4097% | 6,458 |
| Net loans and leases to total assets | 83.4369% | 499 |
| Net loans and leases to deposits | 100.7249% | 843 |
| Net loans and leases to core deposits | 119.7607% | 1,961 |
| Total domestic deposits to total assets | 82.8364% | 4,592 |
| Equity capital to assets | 8.4633% | 5,942 |
| Core capital (leverage) ratio | 9.0547% | 4,333 |
| Tier 1 risk-based capital ratio | 18.4300% | 1,769 |
| Total risk-based capital ratio | 19.0340% | 1,903 |
| Memoranda: | ||
| Average total assets | $155,401,800 | 3,872 |
| Average earning assets | $149,480,600 | 3,723 |
| Average equity | $13,179,800 | 4,463 |
| Average total loans | $128,095,200 | 3,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6415% | 3,627 |
| Cost of funding earning assets | 2.5699% | 1,105 |
| Net interest margin | 3.0716% | 6,394 |
| Noninterest income to average assets | 0.4841% | 4,629 |
| Noninterest expense to average assets | 2.4501% | 6,250 |
| Loan and lease loss provision to assets | 0.0468% | 6,901 |
| Net operating income to assets | 0.6703% | 3,315 |
| Return on assets (ROA) | 0.6703% | 3,374 |
| Pretax return on assets | 0.9457% | 3,074 |
| Return on Equity (ROE) | 7.8993% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.8993% | 1,166 |
| Net charge-offs to loans | 0.0675% | 6,019 |
| Credit loss provision to net charge-offs | 84.3750% | 5,643 |
| Earnings coverage of net charge-offs (x) | 17.9065% | 1,377 |
| Efficiency ratio | 71.1698% | 4,395 |
| Assets per employee ($millions) | 4.6357% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3221% | 7,893 |
| Loan loss allowance to noncurrent loans | 99.0654% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 6,769 |
| Noncurrent loans to loans | 0.3252% | 6,706 |
| Net loans and leases to total assets | 83.2382% | 638 |
| Net loans and leases to deposits | 102.2015% | 909 |
| Net loans and leases to core deposits | 118.5140% | 2,373 |
| Total domestic deposits to total assets | 81.4452% | 4,900 |
| Equity capital to assets | 8.5722% | 6,150 |
| Core capital (leverage) ratio | 9.1654% | 4,389 |
| Tier 1 risk-based capital ratio | 18.5968% | 1,842 |
| Total risk-based capital ratio | 19.1432% | 1,968 |
| Memoranda: | ||
| Average total assets | $153,951,750 | 3,912 |
| Average earning assets | $148,277,250 | 3,755 |
| Average equity | $13,064,000 | 4,520 |
| Average total loans | $126,374,000 | 3,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 3,982 |
| Cost of funding earning assets | 2.7080% | 1,013 |
| Net interest margin | 2.9090% | 6,777 |
| Noninterest income to average assets | 0.4793% | 4,635 |
| Noninterest expense to average assets | 2.4605% | 6,261 |
| Loan and lease loss provision to assets | 0.0471% | 6,763 |
| Net operating income to assets | 0.5238% | 4,008 |
| Return on assets (ROA) | 0.5238% | 4,119 |
| Pretax return on assets | 0.7752% | 3,762 |
| Return on Equity (ROE) | 6.1943% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.1943% | 1,931 |
| Net charge-offs to loans | 0.0401% | 5,910 |
| Credit loss provision to net charge-offs | 144.0000% | 3,216 |
| Earnings coverage of net charge-offs (x) | 25.1200% | 1,128 |
| Efficiency ratio | 74.9501% | 3,885 |
| Assets per employee ($millions) | 4.1964% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 7,945 |
| Loan loss allowance to noncurrent loans | 115.2850% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,859 |
| Noncurrent loans to loans | 0.3038% | 6,756 |
| Net loans and leases to total assets | 81.5452% | 1,042 |
| Net loans and leases to deposits | 95.3842% | 1,893 |
| Net loans and leases to core deposits | 109.9673% | 3,373 |
| Total domestic deposits to total assets | 85.4914% | 3,019 |
| Equity capital to assets | 8.4449% | 6,133 |
| Core capital (leverage) ratio | 9.0605% | 4,535 |
| Tier 1 risk-based capital ratio | 17.8911% | 2,052 |
| Total risk-based capital ratio | 18.4574% | 2,173 |
| Memoranda: | ||
| Average total assets | $152,731,000 | 3,952 |
| Average earning assets | $147,196,000 | 3,792 |
| Average equity | $12,915,000 | 4,567 |
| Average total loans | $124,625,670 | 3,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 3,569 |
| Cost of funding earning assets | 2.7826% | 1,019 |
| Net interest margin | 2.9606% | 6,584 |
| Noninterest income to average assets | 0.4252% | 5,003 |
| Noninterest expense to average assets | 2.3715% | 6,288 |
| Loan and lease loss provision to assets | 0.0475% | 6,377 |
| Net operating income to assets | 0.5995% | 4,012 |
| Return on assets (ROA) | 0.5995% | 4,205 |
| Pretax return on assets | 0.8609% | 3,858 |
| Return on Equity (ROE) | 7.0846% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.0846% | 2,178 |
| Net charge-offs to loans | 0.0227% | 5,243 |
| Credit loss provision to net charge-offs | 257.1429% | 1,829 |
| Earnings coverage of net charge-offs (x) | 49.1429% | 733 |
| Efficiency ratio | 72.3027% | 4,136 |
| Assets per employee ($millions) | 4.5078% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3604% | 7,991 |
| Loan loss allowance to noncurrent loans | 584.2105% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 7,451 |
| Noncurrent loans to loans | 0.0617% | 7,356 |
| Net loans and leases to total assets | 80.1005% | 1,368 |
| Net loans and leases to deposits | 93.8951% | 2,284 |
| Net loans and leases to core deposits | 107.8418% | 3,705 |
| Total domestic deposits to total assets | 85.3085% | 3,058 |
| Equity capital to assets | 8.4370% | 6,169 |
| Core capital (leverage) ratio | 9.0652% | 4,604 |
| Tier 1 risk-based capital ratio | 18.9585% | 1,821 |
| Total risk-based capital ratio | 19.5647% | 1,937 |
| Memoranda: | ||
| Average total assets | $151,463,500 | 3,984 |
| Average earning assets | $146,051,500 | 3,827 |
| Average equity | $12,816,500 | 4,622 |
| Average total loans | $123,410,000 | 3,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2736% | 4,101 |
| Cost of funding earning assets | 3.2889% | 954 |
| Net interest margin | 2.9847% | 6,953 |
| Noninterest income to average assets | 0.4848% | 4,753 |
| Noninterest expense to average assets | 2.5540% | 5,817 |
| Loan and lease loss provision to assets | 0.0331% | 6,993 |
| Net operating income to assets | 0.4634% | 4,891 |
| Return on assets (ROA) | 0.4634% | 4,712 |
| Pretax return on assets | 0.6817% | 4,453 |
| Return on Equity (ROE) | 5.5888% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.5888% | 1,719 |
| Net charge-offs to loans | 0.0058% | 6,888 |
| Credit loss provision to net charge-offs | 685.7143% | 615 |
| Earnings coverage of net charge-offs (x) | 148.2857% | 307 |
| Efficiency ratio | 78.1336% | 2,898 |
| Assets per employee ($millions) | 4.4018% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3511% | 8,041 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 6,215 |
| Noncurrent loans to loans | 0.4013% | 6,148 |
| Net loans and leases to total assets | 82.3028% | 1,172 |
| Net loans and leases to deposits | 97.1642% | 2,260 |
| Net loans and leases to core deposits | 110.0375% | 3,778 |
| Total domestic deposits to total assets | 84.7049% | 2,974 |
| Equity capital to assets | 8.4871% | 6,105 |
| Core capital (leverage) ratio | 9.1315% | 4,551 |
| Tier 1 risk-based capital ratio | 18.8109% | 1,854 |
| Total risk-based capital ratio | 19.4086% | 1,953 |
| Memoranda: | ||
| Average total assets | $145,225,200 | 3,987 |
| Average earning assets | $135,456,600 | 3,945 |
| Average equity | $12,042,000 | 4,816 |
| Average total loans | $120,558,200 | 3,448 |