Home > Chinatown Federal Savings Bank > Performance and Condition Ratios
Chinatown Federal Savings Bank, Performance and Condition Ratios
| 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 | 5.2489% | 897 |
| Cost of funding earning assets | 0.9864% | 1,758 |
| Net interest margin | 4.2625% | 1,212 |
| Noninterest income to average assets | 0.2114% | 4,474 |
| Noninterest expense to average assets | 4.7952% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.4537% | 5,186 |
| Return on assets (ROA) | -0.4537% | 5,190 |
| Pretax return on assets | -0.6313% | 5,201 |
| Return on Equity (ROE) | -2.4113% | 5,174 |
| Retained earnings to average equity (ytd only) | -2.4113% | 4,940 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1622% | 83 |
| Assets per employee ($millions) | 4.9805% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,084 |
| Loan loss allowance to noncurrent loans | 68.5903% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 1,614 |
| Noncurrent loans to loans | 1.3142% | 1,195 |
| Net loans and leases to total assets | 65.5894% | 3,157 |
| Net loans and leases to deposits | 84.5844% | 2,425 |
| Net loans and leases to core deposits | 85.5199% | 2,994 |
| Total domestic deposits to total assets | 77.5431% | 4,474 |
| Equity capital to assets | 18.2003% | 359 |
| Core capital (leverage) ratio | 18.3141% | 321 |
| Tier 1 risk-based capital ratio | 27.6695% | 579 |
| Total risk-based capital ratio | 28.5777% | 589 |
| Memoranda: | ||
| Average total assets | $136,218,330 | 3,540 |
| Average earning assets | $126,311,670 | 3,533 |
| Average equity | $25,629,330 | 2,664 |
| Average total loans | $92,471,330 | 3,401 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 812 |
| Cost of funding earning assets | 0.9262% | 1,897 |
| Net interest margin | 4.3383% | 1,030 |
| Noninterest income to average assets | 0.3863% | 3,281 |
| Noninterest expense to average assets | 3.4443% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3774% | 4,775 |
| Return on assets (ROA) | 0.3774% | 4,784 |
| Pretax return on assets | 0.9510% | 3,610 |
| Return on Equity (ROE) | 1.9725% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.9725% | 4,077 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3638% | 1,227 |
| Assets per employee ($millions) | 4.8518% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,150 |
| Loan loss allowance to noncurrent loans | 65.9271% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 1,513 |
| Noncurrent loans to loans | 1.3670% | 1,183 |
| Net loans and leases to total assets | 67.3449% | 2,853 |
| Net loans and leases to deposits | 87.1763% | 1,976 |
| Net loans and leases to core deposits | 87.9253% | 2,696 |
| Total domestic deposits to total assets | 77.2514% | 4,626 |
| Equity capital to assets | 19.0040% | 284 |
| Core capital (leverage) ratio | 19.1743% | 270 |
| Tier 1 risk-based capital ratio | 28.4541% | 534 |
| Total risk-based capital ratio | 29.3722% | 539 |
| Memoranda: | ||
| Average total assets | $134,600,500 | 3,602 |
| Average earning assets | $124,379,500 | 3,595 |
| Average equity | $25,753,500 | 2,661 |
| Average total loans | $92,557,500 | 3,437 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 431 |
| Cost of funding earning assets | 0.6428% | 2,442 |
| Net interest margin | 4.8230% | 379 |
| Noninterest income to average assets | 0.1413% | 5,004 |
| Noninterest expense to average assets | 3.9910% | 536 |
| Loan and lease loss provision to assets | 0.1133% | 1,945 |
| Net operating income to assets | 0.3551% | 4,933 |
| Return on assets (ROA) | 0.3551% | 4,930 |
| Pretax return on assets | 0.5658% | 4,694 |
| Return on Equity (ROE) | 1.8444% | 5,065 |
| Retained earnings to average equity (ytd only) | 1.8444% | 4,410 |
| Net charge-offs to loans | 0.0990% | 1,774 |
| Credit loss provision to net charge-offs | 170.4545% | 1,637 |
| Earnings coverage of net charge-offs (x) | 10.2159% | 2,746 |
| Efficiency ratio | 85.4578% | 558 |
| Assets per employee ($millions) | 4.7625% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,182 |
| Loan loss allowance to noncurrent loans | 63.2700% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 1,014 |
| Noncurrent loans to loans | 1.4171% | 1,099 |
| Net loans and leases to total assets | 68.9631% | 2,736 |
| Net loans and leases to deposits | 89.4973% | 1,862 |
| Net loans and leases to core deposits | 90.2828% | 2,554 |
| Total domestic deposits to total assets | 77.0560% | 4,624 |
| Equity capital to assets | 19.2649% | 261 |
| Core capital (leverage) ratio | 19.2758% | 257 |
| Tier 1 risk-based capital ratio | 28.0652% | 559 |
| Total risk-based capital ratio | 28.9850% | 569 |
| Memoranda: | ||
| Average total assets | $132,371,200 | 3,620 |
| Average earning assets | $124,300,000 | 3,585 |
| Average equity | $25,482,800 | 2,608 |
| Average total loans | $88,864,400 | 3,499 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 705 |
| Cost of funding earning assets | 0.5821% | 2,614 |
| Net interest margin | 4.5563% | 655 |
| Noninterest income to average assets | 0.1564% | 4,994 |
| Noninterest expense to average assets | 3.8114% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4309% | 4,895 |
| Return on assets (ROA) | 0.4309% | 4,904 |
| Pretax return on assets | 0.6499% | 4,637 |
| Return on Equity (ROE) | 2.2387% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.2387% | 4,487 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4332% | 550 |
| Assets per employee ($millions) | 4.6475% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,397 |
| Loan loss allowance to noncurrent loans | 42.3077% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 733 |
| Noncurrent loans to loans | 2.0418% | 710 |
| Net loans and leases to total assets | 67.9082% | 2,958 |
| Net loans and leases to deposits | 88.6794% | 2,066 |
| Net loans and leases to core deposits | 89.1634% | 2,733 |
| Total domestic deposits to total assets | 76.5773% | 4,710 |
| Equity capital to assets | 19.7088% | 243 |
| Core capital (leverage) ratio | 19.3940% | 257 |
| Tier 1 risk-based capital ratio | 28.1088% | 565 |
| Total risk-based capital ratio | 28.9560% | 577 |
| Memoranda: | ||
| Average total assets | $132,126,250 | 3,657 |
| Average earning assets | $124,833,750 | 3,613 |
| Average equity | $25,431,000 | 2,621 |
| Average total loans | $87,881,750 | 3,548 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 778 |
| Cost of funding earning assets | 0.5281% | 2,774 |
| Net interest margin | 4.4970% | 704 |
| Noninterest income to average assets | 0.2094% | 4,759 |
| Noninterest expense to average assets | 3.7201% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4564% | 4,848 |
| Return on assets (ROA) | 0.4564% | 4,853 |
| Pretax return on assets | 0.7726% | 4,325 |
| Return on Equity (ROE) | 2.3897% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.3897% | 4,318 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8025% | 780 |
| Assets per employee ($millions) | 4.5383% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,490 |
| Loan loss allowance to noncurrent loans | 30.1370% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9413% | 562 |
| Noncurrent loans to loans | 2.8755% | 406 |
| Net loans and leases to total assets | 66.9273% | 3,024 |
| Net loans and leases to deposits | 88.3055% | 2,074 |
| Net loans and leases to core deposits | 88.7871% | 2,657 |
| Total domestic deposits to total assets | 75.7906% | 4,874 |
| Equity capital to assets | 19.3929% | 248 |
| Core capital (leverage) ratio | 19.1895% | 259 |
| Tier 1 risk-based capital ratio | 29.2172% | 509 |
| Total risk-based capital ratio | 30.0998% | 520 |
| Memoranda: | ||
| Average total assets | $132,791,670 | 3,666 |
| Average earning assets | $126,483,330 | 3,613 |
| Average equity | $25,359,000 | 2,641 |
| Average total loans | $87,462,670 | 3,574 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 647 |
| Cost of funding earning assets | 0.4635% | 3,098 |
| Net interest margin | 4.5719% | 532 |
| Noninterest income to average assets | 0.0360% | 5,505 |
| Noninterest expense to average assets | 3.8056% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3419% | 5,023 |
| Return on assets (ROA) | 0.3419% | 5,028 |
| Pretax return on assets | 0.5788% | 4,737 |
| Return on Equity (ROE) | 1.8040% | 5,208 |
| Retained earnings to average equity (ytd only) | 1.8040% | 4,412 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7989% | 590 |
| Assets per employee ($millions) | 4.4200% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,531 |
| Loan loss allowance to noncurrent loans | 30.6163% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 622 |
| Noncurrent loans to loans | 2.8740% | 430 |
| Net loans and leases to total assets | 65.4145% | 3,122 |
| Net loans and leases to deposits | 85.9755% | 2,171 |
| Net loans and leases to core deposits | 86.4382% | 2,765 |
| Total domestic deposits to total assets | 76.0850% | 4,954 |
| Equity capital to assets | 19.1057% | 250 |
| Core capital (leverage) ratio | 19.0274% | 253 |
| Tier 1 risk-based capital ratio | 29.5182% | 491 |
| Total risk-based capital ratio | 30.4212% | 504 |
| Memoranda: | ||
| Average total assets | $133,382,500 | 3,687 |
| Average earning assets | $126,863,000 | 3,633 |
| Average equity | $25,277,000 | 2,671 |
| Average total loans | $86,767,500 | 3,615 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 932 |
| Cost of funding earning assets | 0.2486% | 4,581 |
| Net interest margin | 4.5763% | 526 |
| Noninterest income to average assets | 0.1787% | 5,064 |
| Noninterest expense to average assets | 4.0703% | 484 |
| Loan and lease loss provision to assets | 0.0263% | 3,768 |
| Net operating income to assets | -0.0683% | 5,399 |
| Return on assets (ROA) | -0.0683% | 5,400 |
| Pretax return on assets | 0.4759% | 4,965 |
| Return on Equity (ROE) | -0.3180% | 5,391 |
| Retained earnings to average equity (ytd only) | -1.7471% | 5,257 |
| Net charge-offs to loans | -0.1809% | 5,508 |
| Credit loss provision to net charge-offs | -23.3333% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0166% | 474 |
| Assets per employee ($millions) | 4.3279% | 3,445 |
| Cash dividends to net income (ytd only)* | -449.4505% | 5,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,494 |
| Loan loss allowance to noncurrent loans | 29.9262% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 612 |
| Noncurrent loans to loans | 2.9910% | 374 |
| Net loans and leases to total assets | 63.5452% | 3,416 |
| Net loans and leases to deposits | 83.0696% | 2,596 |
| Net loans and leases to core deposits | 83.5090% | 3,101 |
| Total domestic deposits to total assets | 76.4963% | 4,919 |
| Equity capital to assets | 18.7976% | 261 |
| Core capital (leverage) ratio | 18.8859% | 241 |
| Tier 1 risk-based capital ratio | 29.3744% | 484 |
| Total risk-based capital ratio | 30.2817% | 487 |
| Memoranda: | ||
| Average total assets | $133,209,000 | 3,696 |
| Average earning assets | $127,899,200 | 3,613 |
| Average equity | $28,618,400 | 2,454 |
| Average total loans | $82,932,600 | 3,682 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 994 |
| Cost of funding earning assets | 0.2059% | 4,927 |
| Net interest margin | 4.5591% | 527 |
| Noninterest income to average assets | 0.3007% | 4,375 |
| Noninterest expense to average assets | 4.0276% | 500 |
| Loan and lease loss provision to assets | 0.0351% | 3,414 |
| Net operating income to assets | 0.3769% | 5,051 |
| Return on assets (ROA) | 0.3769% | 5,077 |
| Pretax return on assets | 0.6325% | 4,774 |
| Return on Equity (ROE) | 1.6988% | 5,347 |
| Retained earnings to average equity (ytd only) | -0.1491% | 5,230 |
| Net charge-offs to loans | 0.3183% | 659 |
| Credit loss provision to net charge-offs | 17.8571% | 3,175 |
| Earnings coverage of net charge-offs (x) | 3.3979% | 3,345 |
| Efficiency ratio | 85.7814% | 645 |
| Assets per employee ($millions) | 4.4094% | 3,297 |
| Cash dividends to net income (ytd only)* | 108.7768% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 5,453 |
| Loan loss allowance to noncurrent loans | 22.8942% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 940 |
| Noncurrent loans to loans | 2.2216% | 734 |
| Net loans and leases to total assets | 62.6989% | 3,580 |
| Net loans and leases to deposits | 81.0991% | 2,867 |
| Net loans and leases to core deposits | 81.5287% | 3,323 |
| Total domestic deposits to total assets | 77.3115% | 4,827 |
| Equity capital to assets | 22.3823% | 142 |
| Core capital (leverage) ratio | 22.5499% | 137 |
| Tier 1 risk-based capital ratio | 36.0928% | 301 |
| Total risk-based capital ratio | 36.6218% | 312 |
| Memoranda: | ||
| Average total assets | $133,012,250 | 3,735 |
| Average earning assets | $128,209,500 | 3,643 |
| Average equity | $29,510,500 | 2,409 |
| Average total loans | $82,108,500 | 3,728 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 893 |
| Cost of funding earning assets | 0.1651% | 5,242 |
| Net interest margin | 4.6163% | 468 |
| Noninterest income to average assets | 0.4293% | 3,495 |
| Noninterest expense to average assets | 4.0329% | 506 |
| Loan and lease loss provision to assets | 0.0525% | 2,933 |
| Net operating income to assets | 0.4338% | 4,887 |
| Return on assets (ROA) | 0.4338% | 4,913 |
| Pretax return on assets | 0.7910% | 4,301 |
| Return on Equity (ROE) | 1.9608% | 5,350 |
| Retained earnings to average equity (ytd only) | -0.8142% | 5,209 |
| Net charge-offs to loans | 0.1200% | 1,447 |
| Credit loss provision to net charge-offs | 71.4286% | 2,364 |
| Earnings coverage of net charge-offs (x) | 11.4694% | 2,277 |
| Efficiency ratio | 82.7024% | 945 |
| Assets per employee ($millions) | 4.2416% | 3,537 |
| Cash dividends to net income (ytd only)* | 141.5225% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 5,217 |
| Loan loss allowance to noncurrent loans | 30.2436% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 911 |
| Noncurrent loans to loans | 2.3076% | 687 |
| Net loans and leases to total assets | 61.7867% | 3,653 |
| Net loans and leases to deposits | 79.9654% | 2,911 |
| Net loans and leases to core deposits | 80.3918% | 3,394 |
| Total domestic deposits to total assets | 77.2669% | 4,919 |
| Equity capital to assets | 22.4510% | 136 |
| Core capital (leverage) ratio | 22.0969% | 138 |
| Tier 1 risk-based capital ratio | 35.8717% | 288 |
| Total risk-based capital ratio | 36.5692% | 289 |
| Memoranda: | ||
| Average total assets | $133,255,330 | 3,765 |
| Average earning assets | $128,370,330 | 3,665 |
| Average equity | $29,478,000 | 2,406 |
| Average total loans | $81,690,000 | 3,750 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,050 |
| Cost of funding earning assets | 0.1208% | 5,556 |
| Net interest margin | 4.5178% | 508 |
| Noninterest income to average assets | 0.0477% | 5,732 |
| Noninterest expense to average assets | 4.1838% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1163% | 5,494 |
| Return on assets (ROA) | 0.1163% | 5,502 |
| Pretax return on assets | 0.2147% | 5,419 |
| Return on Equity (ROE) | 0.5296% | 5,563 |
| Retained earnings to average equity (ytd only) | -5.0244% | 5,384 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1186% | 341 |
| Assets per employee ($millions) | 4.2132% | 3,643 |
| Cash dividends to net income (ytd only)* | 1,048.7179% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 5,285 |
| Loan loss allowance to noncurrent loans | 24.3142% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 675 |
| Noncurrent loans to loans | 2.9222% | 484 |
| Net loans and leases to total assets | 60.6352% | 3,712 |
| Net loans and leases to deposits | 77.7311% | 3,008 |
| Net loans and leases to core deposits | 78.8695% | 3,402 |
| Total domestic deposits to total assets | 78.0064% | 4,963 |
| Equity capital to assets | 21.7118% | 154 |
| Core capital (leverage) ratio | 21.9059% | 141 |
| Tier 1 risk-based capital ratio | 35.6697% | 313 |
| Total risk-based capital ratio | 36.3862% | 316 |
| Memoranda: | ||
| Average total assets | $134,137,500 | 3,775 |
| Average earning assets | $129,176,500 | 3,684 |
| Average equity | $29,456,500 | 2,419 |
| Average total loans | $81,627,500 | 3,778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 849 |
| Cost of funding earning assets | 0.0785% | 5,779 |
| Net interest margin | 4.7451% | 391 |
| Noninterest income to average assets | 0.0472% | 5,780 |
| Noninterest expense to average assets | 3.8328% | 752 |
| Loan and lease loss provision to assets | 0.1106% | 2,221 |
| Net operating income to assets | 0.3362% | 5,121 |
| Return on assets (ROA) | 0.3362% | 5,198 |
| Pretax return on assets | 0.6511% | 4,658 |
| Return on Equity (ROE) | 1.5391% | 5,482 |
| Retained earnings to average equity (ytd only) | 0.1586% | 5,254 |
| Net charge-offs to loans | 0.0349% | 3,327 |
| Credit loss provision to net charge-offs | 517.2414% | 642 |
| Earnings coverage of net charge-offs (x) | 35.6207% | 1,281 |
| Efficiency ratio | 83.4216% | 1,065 |
| Assets per employee ($millions) | 4.1704% | 3,664 |
| Cash dividends to net income (ytd only)* | 89.6930% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 5,317 |
| Loan loss allowance to noncurrent loans | 17.0157% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.5762% | 456 |
| Noncurrent loans to loans | 4.2486% | 229 |
| Net loans and leases to total assets | 60.1975% | 3,827 |
| Net loans and leases to deposits | 77.6891% | 3,138 |
| Net loans and leases to core deposits | 78.3246% | 3,550 |
| Total domestic deposits to total assets | 77.4851% | 5,049 |
| Equity capital to assets | 22.2106% | 144 |
| Core capital (leverage) ratio | 22.2624% | 134 |
| Tier 1 risk-based capital ratio | 36.8825% | 279 |
| Total risk-based capital ratio | 37.6142% | 285 |
| Memoranda: | ||
| Average total assets | $135,618,400 | 3,739 |
| Average earning assets | $129,965,200 | 3,645 |
| Average equity | $29,627,200 | 2,379 |
| Average total loans | $83,056,000 | 3,737 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 748 |
| Cost of funding earning assets | 0.0705% | 5,872 |
| Net interest margin | 4.8133% | 353 |
| Noninterest income to average assets | 0.0431% | 5,851 |
| Noninterest expense to average assets | 3.7289% | 817 |
| Loan and lease loss provision to assets | 0.1469% | 1,600 |
| Net operating income to assets | 0.3995% | 5,019 |
| Return on assets (ROA) | 0.3995% | 5,117 |
| Pretax return on assets | 0.7795% | 4,374 |
| Return on Equity (ROE) | 1.8363% | 5,504 |
| Retained earnings to average equity (ytd only) | -0.0045% | 5,352 |
| Net charge-offs to loans | 0.0463% | 2,721 |
| Credit loss provision to net charge-offs | 517.2414% | 688 |
| Earnings coverage of net charge-offs (x) | 32.6170% | 1,413 |
| Efficiency ratio | 80.1010% | 1,427 |
| Assets per employee ($millions) | 4.1440% | 3,701 |
| Cash dividends to net income (ytd only)* | 100.2445% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 5,393 |
| Loan loss allowance to noncurrent loans | 16.6477% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.6499% | 494 |
| Noncurrent loans to loans | 4.3003% | 237 |
| Net loans and leases to total assets | 61.1808% | 3,717 |
| Net loans and leases to deposits | 79.0748% | 3,069 |
| Net loans and leases to core deposits | 79.7260% | 3,472 |
| Total domestic deposits to total assets | 77.3707% | 5,019 |
| Equity capital to assets | 22.3171% | 154 |
| Core capital (leverage) ratio | 22.0538% | 136 |
| Tier 1 risk-based capital ratio | 37.0008% | 287 |
| Total risk-based capital ratio | 37.7360% | 301 |
| Memoranda: | ||
| Average total assets | $136,159,500 | 3,748 |
| Average earning assets | $130,467,250 | 3,663 |
| Average equity | $29,623,750 | 2,392 |
| Average total loans | $83,589,750 | 3,738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 625 |
| Cost of funding earning assets | 0.0640% | 5,961 |
| Net interest margin | 4.9072% | 311 |
| Noninterest income to average assets | 0.0466% | 5,921 |
| Noninterest expense to average assets | 3.7017% | 882 |
| Loan and lease loss provision to assets | 0.1777% | 1,231 |
| Net operating income to assets | 0.4704% | 4,801 |
| Return on assets (ROA) | 0.4704% | 4,892 |
| Pretax return on assets | 0.8577% | 4,091 |
| Return on Equity (ROE) | 2.1800% | 5,467 |
| Retained earnings to average equity (ytd only) | -0.5804% | 5,381 |
| Net charge-offs to loans | 0.0689% | 2,205 |
| Credit loss provision to net charge-offs | 420.6897% | 751 |
| Earnings coverage of net charge-offs (x) | 24.5172% | 1,542 |
| Efficiency ratio | 78.1433% | 1,765 |
| Assets per employee ($millions) | 4.3888% | 3,235 |
| Cash dividends to net income (ytd only)* | 126.6254% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 5,576 |
| Loan loss allowance to noncurrent loans | 17.0604% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 2.3954% | 602 |
| Noncurrent loans to loans | 3.9236% | 305 |
| Net loans and leases to total assets | 60.6418% | 3,795 |
| Net loans and leases to deposits | 78.1682% | 3,139 |
| Net loans and leases to core deposits | 78.7938% | 3,573 |
| Total domestic deposits to total assets | 77.5786% | 5,070 |
| Equity capital to assets | 21.6893% | 159 |
| Core capital (leverage) ratio | 21.0715% | 159 |
| Tier 1 risk-based capital ratio | 35.4403% | 324 |
| Total risk-based capital ratio | 36.1279% | 333 |
| Memoranda: | ||
| Average total assets | $137,343,670 | 3,766 |
| Average earning assets | $131,277,000 | 3,669 |
| Average equity | $29,633,670 | 2,396 |
| Average total loans | $84,214,670 | 3,739 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 976 |
| Cost of funding earning assets | 0.0546% | 6,042 |
| Net interest margin | 4.6832% | 433 |
| Noninterest income to average assets | 0.0493% | 5,968 |
| Noninterest expense to average assets | 3.6728% | 931 |
| Loan and lease loss provision to assets | -0.2145% | 6,027 |
| Net operating income to assets | 0.5856% | 4,247 |
| Return on assets (ROA) | 0.5856% | 4,362 |
| Pretax return on assets | 1.0668% | 3,213 |
| Return on Equity (ROE) | 2.7209% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.7209% | 4,149 |
| Net charge-offs to loans | -0.0377% | 5,181 |
| Credit loss provision to net charge-offs | 925.0000% | 393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1659% | 1,465 |
| Assets per employee ($millions) | 4.2978% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4738% | 5,889 |
| Loan loss allowance to noncurrent loans | 11.1672% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.5915% | 557 |
| Noncurrent loans to loans | 4.2432% | 271 |
| Net loans and leases to total assets | 60.7847% | 3,680 |
| Net loans and leases to deposits | 78.3409% | 2,966 |
| Net loans and leases to core deposits | 78.7379% | 3,426 |
| Total domestic deposits to total assets | 77.5900% | 5,203 |
| Equity capital to assets | 21.6661% | 159 |
| Core capital (leverage) ratio | 21.1899% | 160 |
| Tier 1 risk-based capital ratio | 35.3870% | 323 |
| Total risk-based capital ratio | 35.8758% | 340 |
| Memoranda: | ||
| Average total assets | $137,989,000 | 3,781 |
| Average earning assets | $131,875,500 | 3,690 |
| Average equity | $29,696,000 | 2,390 |
| Average total loans | $84,791,500 | 3,731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 636 |
| Cost of funding earning assets | 0.0631% | 6,087 |
| Net interest margin | 4.9289% | 288 |
| Noninterest income to average assets | 0.0853% | 5,912 |
| Noninterest expense to average assets | 3.5521% | 1,210 |
| Loan and lease loss provision to assets | -0.4573% | 6,114 |
| Net operating income to assets | 0.9366% | 2,676 |
| Return on assets (ROA) | 0.9366% | 2,759 |
| Pretax return on assets | 1.7117% | 965 |
| Return on Equity (ROE) | 4.5089% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.1087% | 3,843 |
| Net charge-offs to loans | 0.0247% | 3,747 |
| Credit loss provision to net charge-offs | -2,922.7273% | 5,684 |
| Earnings coverage of net charge-offs (x) | 80.1818% | 701 |
| Efficiency ratio | 73.9015% | 2,597 |
| Assets per employee ($millions) | 4.0721% | 3,813 |
| Cash dividends to net income (ytd only)* | 31.0554% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 5,882 |
| Loan loss allowance to noncurrent loans | 18.1676% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 1,016 |
| Noncurrent loans to loans | 2.9840% | 541 |
| Net loans and leases to total assets | 61.4843% | 3,634 |
| Net loans and leases to deposits | 78.4331% | 3,003 |
| Net loans and leases to core deposits | 78.8238% | 3,460 |
| Total domestic deposits to total assets | 78.3908% | 5,082 |
| Equity capital to assets | 21.3759% | 164 |
| Core capital (leverage) ratio | 20.7969% | 165 |
| Tier 1 risk-based capital ratio | 35.0369% | 334 |
| Total risk-based capital ratio | 35.6025% | 347 |
| Memoranda: | ||
| Average total assets | $140,619,200 | 3,711 |
| Average earning assets | $134,695,600 | 3,615 |
| Average equity | $29,208,600 | 2,375 |
| Average total loans | $88,963,400 | 3,610 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 615 |
| Cost of funding earning assets | 0.0650% | 6,171 |
| Net interest margin | 4.9394% | 292 |
| Noninterest income to average assets | 0.0935% | 5,981 |
| Noninterest expense to average assets | 3.5816% | 1,151 |
| Loan and lease loss provision to assets | -0.6073% | 6,229 |
| Net operating income to assets | 1.2260% | 1,568 |
| Return on assets (ROA) | 1.2260% | 1,629 |
| Pretax return on assets | 1.8550% | 793 |
| Return on Equity (ROE) | 5.9447% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.0715% | 3,562 |
| Net charge-offs to loans | 0.0297% | 3,340 |
| Credit loss provision to net charge-offs | -3,215.0000% | 5,656 |
| Earnings coverage of net charge-offs (x) | 66.0401% | 846 |
| Efficiency ratio | 74.1639% | 2,525 |
| Assets per employee ($millions) | 3.9795% | 3,911 |
| Cash dividends to net income (ytd only)* | 31.5101% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5222% | 5,997 |
| Loan loss allowance to noncurrent loans | 17.2083% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.9442% | 1,067 |
| Noncurrent loans to loans | 3.0344% | 573 |
| Net loans and leases to total assets | 63.7386% | 3,344 |
| Net loans and leases to deposits | 81.2649% | 2,729 |
| Net loans and leases to core deposits | 82.3794% | 3,215 |
| Total domestic deposits to total assets | 78.4331% | 5,104 |
| Equity capital to assets | 21.2345% | 183 |
| Core capital (leverage) ratio | 20.3761% | 189 |
| Tier 1 risk-based capital ratio | 33.5638% | 393 |
| Total risk-based capital ratio | 34.1199% | 409 |
| Memoranda: | ||
| Average total assets | $141,161,500 | 3,734 |
| Average earning assets | $135,343,500 | 3,644 |
| Average equity | $29,112,000 | 2,398 |
| Average total loans | $89,807,000 | 3,628 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 547 |
| Cost of funding earning assets | 0.0707% | 6,223 |
| Net interest margin | 4.9898% | 252 |
| Noninterest income to average assets | 0.1241% | 5,930 |
| Noninterest expense to average assets | 3.5405% | 1,241 |
| Loan and lease loss provision to assets | -0.5120% | 6,277 |
| Net operating income to assets | 1.0297% | 2,230 |
| Return on assets (ROA) | 1.0297% | 2,345 |
| Pretax return on assets | 1.8760% | 771 |
| Return on Equity (ROE) | 5.0419% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.2171% | 4,603 |
| Net charge-offs to loans | 0.0489% | 2,730 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,453 |
| Earnings coverage of net charge-offs (x) | 43.9545% | 1,056 |
| Efficiency ratio | 72.1887% | 2,978 |
| Assets per employee ($millions) | 4.2571% | 3,378 |
| Cash dividends to net income (ytd only)* | 56.0274% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,524 |
| Loan loss allowance to noncurrent loans | 31.3792% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6877% | 1,409 |
| Noncurrent loans to loans | 2.6471% | 828 |
| Net loans and leases to total assets | 63.2283% | 3,385 |
| Net loans and leases to deposits | 79.9253% | 2,795 |
| Net loans and leases to core deposits | 81.0026% | 3,281 |
| Total domestic deposits to total assets | 79.1092% | 5,077 |
| Equity capital to assets | 20.6488% | 200 |
| Core capital (leverage) ratio | 19.8611% | 211 |
| Tier 1 risk-based capital ratio | 33.2901% | 417 |
| Total risk-based capital ratio | 34.1827% | 422 |
| Memoranda: | ||
| Average total assets | $141,787,670 | 3,755 |
| Average earning assets | $135,837,330 | 3,666 |
| Average equity | $28,957,330 | 2,419 |
| Average total loans | $89,995,000 | 3,641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 506 |
| Cost of funding earning assets | 0.0793% | 6,270 |
| Net interest margin | 4.9945% | 252 |
| Noninterest income to average assets | 0.0449% | 6,245 |
| Noninterest expense to average assets | 3.6282% | 1,103 |
| Loan and lease loss provision to assets | -1.3142% | 6,391 |
| Net operating income to assets | 1.3760% | 1,075 |
| Return on assets (ROA) | 1.3760% | 1,137 |
| Pretax return on assets | 2.5077% | 239 |
| Return on Equity (ROE) | 6.7745% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.7745% | 2,111 |
| Net charge-offs to loans | 0.5498% | 450 |
| Credit loss provision to net charge-offs | -377.4194% | 4,762 |
| Earnings coverage of net charge-offs (x) | 3.4274% | 2,606 |
| Efficiency ratio | 75.2475% | 2,621 |
| Assets per employee ($millions) | 4.6335% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 6,068 |
| Loan loss allowance to noncurrent loans | 21.5058% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 1,427 |
| Noncurrent loans to loans | 2.7786% | 830 |
| Net loans and leases to total assets | 62.1890% | 3,336 |
| Net loans and leases to deposits | 78.3261% | 2,759 |
| Net loans and leases to core deposits | 79.5666% | 3,218 |
| Total domestic deposits to total assets | 79.3975% | 5,194 |
| Equity capital to assets | 20.3129% | 214 |
| Core capital (leverage) ratio | 19.9648% | 208 |
| Tier 1 risk-based capital ratio | 32.7427% | 434 |
| Total risk-based capital ratio | 33.3778% | 449 |
| Memoranda: | ||
| Average total assets | $142,440,000 | 3,768 |
| Average earning assets | $136,230,000 | 3,683 |
| Average equity | $28,932,000 | 2,433 |
| Average total loans | $90,208,000 | 3,642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 611 |
| Cost of funding earning assets | 0.1193% | 6,250 |
| Net interest margin | 4.9962% | 304 |
| Noninterest income to average assets | 0.2692% | 5,197 |
| Noninterest expense to average assets | 3.6205% | 1,264 |
| Loan and lease loss provision to assets | -0.2353% | 6,326 |
| Net operating income to assets | 0.8856% | 2,947 |
| Return on assets (ROA) | 0.8856% | 3,028 |
| Pretax return on assets | 1.6566% | 1,082 |
| Return on Equity (ROE) | 4.6597% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.6597% | 2,850 |
| Net charge-offs to loans | -0.3015% | 6,334 |
| Credit loss provision to net charge-offs | 121.7544% | 1,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8090% | 3,237 |
| Assets per employee ($millions) | 4.2801% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 3,736 |
| Loan loss allowance to noncurrent loans | 37.5707% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1276% | 1,157 |
| Noncurrent loans to loans | 3.3185% | 640 |
| Net loans and leases to total assets | 63.3119% | 3,315 |
| Net loans and leases to deposits | 79.7444% | 2,749 |
| Net loans and leases to core deposits | 81.2427% | 3,173 |
| Total domestic deposits to total assets | 79.3935% | 5,161 |
| Equity capital to assets | 20.3105% | 216 |
| Core capital (leverage) ratio | 20.3105% | 201 |
| Tier 1 risk-based capital ratio | 30.9114% | 474 |
| Total risk-based capital ratio | 32.1344% | 466 |
| Memoranda: | ||
| Average total assets | $147,467,600 | 3,672 |
| Average earning assets | $140,867,600 | 3,591 |
| Average equity | $28,027,400 | 2,413 |
| Average total loans | $94,535,800 | 3,539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 627 |
| Cost of funding earning assets | 0.1254% | 6,306 |
| Net interest margin | 4.9864% | 307 |
| Noninterest income to average assets | 0.3033% | 5,016 |
| Noninterest expense to average assets | 3.6136% | 1,273 |
| Loan and lease loss provision to assets | -0.3096% | 6,468 |
| Net operating income to assets | 0.9394% | 2,736 |
| Return on assets (ROA) | 0.9394% | 2,822 |
| Pretax return on assets | 1.7679% | 949 |
| Return on Equity (ROE) | 5.0246% | 4,707 |
| Retained earnings to average equity (ytd only) | 5.0246% | 3,060 |
| Net charge-offs to loans | -0.3922% | 6,426 |
| Credit loss provision to net charge-offs | 123.1317% | 1,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2471% | 3,304 |
| Assets per employee ($millions) | 4.4261% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,138 |
| Loan loss allowance to noncurrent loans | 38.3124% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 1,419 |
| Noncurrent loans to loans | 3.1768% | 805 |
| Net loans and leases to total assets | 62.5691% | 3,397 |
| Net loans and leases to deposits | 77.9976% | 2,951 |
| Net loans and leases to core deposits | 79.1843% | 3,414 |
| Total domestic deposits to total assets | 80.2192% | 5,043 |
| Equity capital to assets | 19.4652% | 251 |
| Core capital (leverage) ratio | 19.4652% | 230 |
| Tier 1 risk-based capital ratio | 29.8642% | 533 |
| Total risk-based capital ratio | 31.0522% | 529 |
| Memoranda: | ||
| Average total assets | $149,024,000 | 3,673 |
| Average earning assets | $142,518,750 | 3,595 |
| Average equity | $27,862,500 | 2,430 |
| Average total loans | $95,531,750 | 3,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 682 |
| Cost of funding earning assets | 0.1339% | 6,340 |
| Net interest margin | 4.9171% | 338 |
| Noninterest income to average assets | 0.4226% | 4,071 |
| Noninterest expense to average assets | 3.6944% | 1,150 |
| Loan and lease loss provision to assets | -0.2413% | 6,501 |
| Net operating income to assets | 0.8706% | 2,952 |
| Return on assets (ROA) | 0.8706% | 3,043 |
| Pretax return on assets | 1.6692% | 1,088 |
| Return on Equity (ROE) | 4.7194% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.7194% | 3,140 |
| Net charge-offs to loans | -0.5449% | 6,521 |
| Credit loss provision to net charge-offs | 68.8213% | 2,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1239% | 3,308 |
| Assets per employee ($millions) | 3.9093% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 3,538 |
| Loan loss allowance to noncurrent loans | 30.5276% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.8071% | 931 |
| Noncurrent loans to loans | 4.4581% | 499 |
| Net loans and leases to total assets | 62.1085% | 3,386 |
| Net loans and leases to deposits | 76.8342% | 2,947 |
| Net loans and leases to core deposits | 77.9744% | 3,442 |
| Total domestic deposits to total assets | 80.8344% | 5,035 |
| Equity capital to assets | 18.8714% | 271 |
| Core capital (leverage) ratio | 18.8714% | 252 |
| Tier 1 risk-based capital ratio | 28.8728% | 587 |
| Total risk-based capital ratio | 30.1231% | 574 |
| Memoranda: | ||
| Average total assets | $150,011,670 | 3,679 |
| Average earning assets | $143,378,330 | 3,602 |
| Average equity | $27,673,000 | 2,431 |
| Average total loans | $96,537,330 | 3,529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 682 |
| Cost of funding earning assets | 0.1500% | 6,353 |
| Net interest margin | 4.8764% | 332 |
| Noninterest income to average assets | 0.0716% | 6,419 |
| Noninterest expense to average assets | 3.6539% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5891% | 4,240 |
| Return on assets (ROA) | 0.5891% | 4,320 |
| Pretax return on assets | 1.0747% | 3,018 |
| Return on Equity (ROE) | 3.2300% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.2300% | 4,183 |
| Net charge-offs to loans | 0.0041% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 113 |
| Efficiency ratio | 77.2727% | 2,598 |
| Assets per employee ($millions) | 3.9493% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,577 |
| Loan loss allowance to noncurrent loans | 16.1817% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 4.9002% | 425 |
| Noncurrent loans to loans | 7.4996% | 194 |
| Net loans and leases to total assets | 64.5475% | 2,803 |
| Net loans and leases to deposits | 79.4373% | 2,374 |
| Net loans and leases to core deposits | 80.5979% | 2,898 |
| Total domestic deposits to total assets | 81.2559% | 5,164 |
| Equity capital to assets | 18.3929% | 302 |
| Core capital (leverage) ratio | 18.3929% | 286 |
| Tier 1 risk-based capital ratio | 27.5955% | 667 |
| Total risk-based capital ratio | 28.7872% | 662 |
| Memoranda: | ||
| Average total assets | $150,741,000 | 3,696 |
| Average earning assets | $143,959,000 | 3,623 |
| Average equity | $27,492,500 | 2,437 |
| Average total loans | $98,037,500 | 3,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 851 |
| Cost of funding earning assets | 0.2778% | 5,778 |
| Net interest margin | 4.7611% | 464 |
| Noninterest income to average assets | 0.1528% | 6,179 |
| Noninterest expense to average assets | 3.4350% | 1,805 |
| Loan and lease loss provision to assets | 0.0363% | 4,394 |
| Net operating income to assets | 0.7049% | 3,776 |
| Return on assets (ROA) | 0.7118% | 3,825 |
| Pretax return on assets | 1.2537% | 2,345 |
| Return on Equity (ROE) | 4.1596% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.1596% | 3,212 |
| Net charge-offs to loans | 0.5391% | 1,226 |
| Credit loss provision to net charge-offs | 10.2703% | 4,579 |
| Earnings coverage of net charge-offs (x) | 3.6198% | 3,806 |
| Efficiency ratio | 72.8660% | 3,318 |
| Assets per employee ($millions) | 3.9844% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 4,578 |
| Loan loss allowance to noncurrent loans | 18.8718% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 4.1682% | 623 |
| Noncurrent loans to loans | 6.4387% | 287 |
| Net loans and leases to total assets | 63.9497% | 3,050 |
| Net loans and leases to deposits | 78.4173% | 2,675 |
| Net loans and leases to core deposits | 79.7268% | 3,162 |
| Total domestic deposits to total assets | 81.5505% | 5,022 |
| Equity capital to assets | 18.0849% | 314 |
| Core capital (leverage) ratio | 18.0849% | 296 |
| Tier 1 risk-based capital ratio | 27.3023% | 653 |
| Total risk-based capital ratio | 28.4978% | 645 |
| Memoranda: | ||
| Average total assets | $157,057,800 | 3,598 |
| Average earning assets | $150,468,800 | 3,493 |
| Average equity | $26,877,600 | 2,469 |
| Average total loans | $102,956,400 | 3,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 921 |
| Cost of funding earning assets | 0.3015% | 5,721 |
| Net interest margin | 4.7101% | 505 |
| Noninterest income to average assets | 0.1817% | 6,106 |
| Noninterest expense to average assets | 3.4050% | 1,815 |
| Loan and lease loss provision to assets | 0.0076% | 4,824 |
| Net operating income to assets | 0.7388% | 3,657 |
| Return on assets (ROA) | 0.7480% | 3,738 |
| Pretax return on assets | 1.3049% | 2,313 |
| Return on Equity (ROE) | 4.4308% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.4308% | 3,522 |
| Net charge-offs to loans | 0.6245% | 989 |
| Credit loss provision to net charge-offs | 1.8443% | 4,320 |
| Earnings coverage of net charge-offs (x) | 3.1619% | 3,785 |
| Efficiency ratio | 72.3971% | 3,334 |
| Assets per employee ($millions) | 4.0875% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,796 |
| Loan loss allowance to noncurrent loans | 18.3556% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 4.2440% | 725 |
| Noncurrent loans to loans | 6.6310% | 334 |
| Net loans and leases to total assets | 63.2240% | 3,122 |
| Net loans and leases to deposits | 77.0079% | 2,816 |
| Net loans and leases to core deposits | 78.0757% | 3,358 |
| Total domestic deposits to total assets | 82.1006% | 4,888 |
| Equity capital to assets | 17.4809% | 367 |
| Core capital (leverage) ratio | 17.4809% | 341 |
| Tier 1 risk-based capital ratio | 26.6806% | 730 |
| Total risk-based capital ratio | 27.8754% | 721 |
| Memoranda: | ||
| Average total assets | $158,470,250 | 3,615 |
| Average earning assets | $152,122,000 | 3,499 |
| Average equity | $26,751,500 | 2,506 |
| Average total loans | $104,191,500 | 3,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 369 |
| Cost of funding earning assets | 0.4154% | 4,805 |
| Net interest margin | 5.0907% | 262 |
| Noninterest income to average assets | 0.1893% | 6,076 |
| Noninterest expense to average assets | 3.2485% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0030% | 2,316 |
| Return on assets (ROA) | 1.0030% | 2,456 |
| Pretax return on assets | 1.8267% | 877 |
| Return on Equity (ROE) | 6.0110% | 4,169 |
| Retained earnings to average equity (ytd only) | 6.0110% | 2,436 |
| Net charge-offs to loans | 0.2647% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.4071% | 2,157 |
| Efficiency ratio | 64.0069% | 4,871 |
| Assets per employee ($millions) | 4.1867% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 3,446 |
| Loan loss allowance to noncurrent loans | 20.1221% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 4.8386% | 643 |
| Noncurrent loans to loans | 7.6049% | 287 |
| Net loans and leases to total assets | 62.6512% | 3,168 |
| Net loans and leases to deposits | 75.8262% | 2,902 |
| Net loans and leases to core deposits | 76.8451% | 3,451 |
| Total domestic deposits to total assets | 82.6248% | 4,845 |
| Equity capital to assets | 16.9898% | 415 |
| Core capital (leverage) ratio | 17.0071% | 368 |
| Tier 1 risk-based capital ratio | 26.0444% | 767 |
| Total risk-based capital ratio | 27.2974% | 752 |
| Memoranda: | ||
| Average total assets | $159,519,000 | 3,621 |
| Average earning assets | $153,103,000 | 3,499 |
| Average equity | $26,618,000 | 2,525 |
| Average total loans | $105,784,670 | 3,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 319 |
| Cost of funding earning assets | 0.4673% | 4,405 |
| Net interest margin | 5.1241% | 223 |
| Noninterest income to average assets | 0.0426% | 6,755 |
| Noninterest expense to average assets | 3.2880% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9165% | 2,576 |
| Return on assets (ROA) | 0.9165% | 2,724 |
| Pretax return on assets | 1.6703% | 1,154 |
| Return on Equity (ROE) | 5.5429% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.5429% | 2,929 |
| Net charge-offs to loans | 0.1481% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 16.6750% | 1,358 |
| Efficiency ratio | 66.3131% | 4,612 |
| Assets per employee ($millions) | 4.0920% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,596 |
| Loan loss allowance to noncurrent loans | 20.8549% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 4.9546% | 746 |
| Noncurrent loans to loans | 7.4537% | 372 |
| Net loans and leases to total assets | 65.4391% | 2,467 |
| Net loans and leases to deposits | 78.9407% | 2,220 |
| Net loans and leases to core deposits | 80.1573% | 2,786 |
| Total domestic deposits to total assets | 82.8966% | 4,890 |
| Equity capital to assets | 16.6648% | 475 |
| Core capital (leverage) ratio | 16.6825% | 385 |
| Tier 1 risk-based capital ratio | 24.9002% | 902 |
| Total risk-based capital ratio | 26.1541% | 893 |
| Memoranda: | ||
| Average total assets | $159,731,000 | 3,653 |
| Average earning assets | $153,237,000 | 3,537 |
| Average equity | $26,412,000 | 2,575 |
| Average total loans | $108,065,000 | 3,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1548% | 209 |
| Cost of funding earning assets | 0.5731% | 4,607 |
| Net interest margin | 5.5817% | 152 |
| Noninterest income to average assets | 0.0543% | 6,670 |
| Noninterest expense to average assets | 3.2614% | 2,448 |
| Loan and lease loss provision to assets | 0.2619% | 2,551 |
| Net operating income to assets | 1.0324% | 2,201 |
| Return on assets (ROA) | 1.0507% | 2,315 |
| Pretax return on assets | 1.9169% | 722 |
| Return on Equity (ROE) | 5.6742% | 4,327 |
| Retained earnings to average equity (ytd only) | -14.3050% | 6,761 |
| Net charge-offs to loans | 0.2961% | 3,167 |
| Credit loss provision to net charge-offs | 119.6581% | 2,397 |
| Earnings coverage of net charge-offs (x) | 9.8234% | 2,216 |
| Efficiency ratio | 60.2673% | 5,500 |
| Assets per employee ($millions) | 4.2072% | 3,538 |
| Cash dividends to net income (ytd only)* | 352.1068% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,595 |
| Loan loss allowance to noncurrent loans | 19.3095% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 5.4712% | 677 |
| Noncurrent loans to loans | 7.9483% | 367 |
| Net loans and leases to total assets | 67.7777% | 2,219 |
| Net loans and leases to deposits | 81.5207% | 2,070 |
| Net loans and leases to core deposits | 82.7692% | 2,688 |
| Total domestic deposits to total assets | 83.1417% | 4,660 |
| Equity capital to assets | 16.4060% | 490 |
| Core capital (leverage) ratio | 16.4243% | 402 |
| Tier 1 risk-based capital ratio | 24.0179% | 968 |
| Total risk-based capital ratio | 25.2716% | 950 |
| Memoranda: | ||
| Average total assets | $160,361,800 | 3,621 |
| Average earning assets | $153,912,400 | 3,486 |
| Average equity | $29,696,000 | 2,268 |
| Average total loans | $118,531,600 | 3,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2735% | 187 |
| Cost of funding earning assets | 0.5924% | 4,726 |
| Net interest margin | 5.6811% | 142 |
| Noninterest income to average assets | 0.0507% | 6,800 |
| Noninterest expense to average assets | 3.2758% | 2,343 |
| Loan and lease loss provision to assets | 0.3489% | 1,873 |
| Net operating income to assets | 1.0319% | 2,361 |
| Return on assets (ROA) | 1.0319% | 2,577 |
| Pretax return on assets | 1.8834% | 902 |
| Return on Equity (ROE) | 5.4182% | 4,636 |
| Retained earnings to average equity (ytd only) | 0.9554% | 5,786 |
| Net charge-offs to loans | 0.1658% | 3,795 |
| Credit loss provision to net charge-offs | 280.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 17.9129% | 1,599 |
| Efficiency ratio | 59.4721% | 5,588 |
| Assets per employee ($millions) | 3.9936% | 3,884 |
| Cash dividends to net income (ytd only)* | 82.3673% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,314 |
| Loan loss allowance to noncurrent loans | 21.1646% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 5.5902% | 757 |
| Noncurrent loans to loans | 7.8174% | 414 |
| Net loans and leases to total assets | 70.3258% | 1,853 |
| Net loans and leases to deposits | 87.6091% | 1,400 |
| Net loans and leases to core deposits | 88.9965% | 2,103 |
| Total domestic deposits to total assets | 80.2723% | 5,585 |
| Equity capital to assets | 19.2131% | 283 |
| Core capital (leverage) ratio | 19.2328% | 240 |
| Tier 1 risk-based capital ratio | 27.1169% | 737 |
| Total risk-based capital ratio | 28.3716% | 716 |
| Memoranda: | ||
| Average total assets | $160,483,750 | 3,645 |
| Average earning assets | $154,167,750 | 3,518 |
| Average equity | $30,562,750 | 2,240 |
| Average total loans | $120,652,500 | 3,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3960% | 167 |
| Cost of funding earning assets | 0.6155% | 4,759 |
| Net interest margin | 5.7805% | 118 |
| Noninterest income to average assets | 0.0510% | 6,852 |
| Noninterest expense to average assets | 3.2489% | 2,440 |
| Loan and lease loss provision to assets | 0.5226% | 1,198 |
| Net operating income to assets | 1.0017% | 2,460 |
| Return on assets (ROA) | 1.0017% | 2,673 |
| Pretax return on assets | 1.8304% | 982 |
| Return on Equity (ROE) | 5.2753% | 4,677 |
| Retained earnings to average equity (ytd only) | -1.4286% | 6,275 |
| Net charge-offs to loans | 0.2443% | 3,105 |
| Credit loss provision to net charge-offs | 280.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 12.6067% | 1,863 |
| Efficiency ratio | 57.9964% | 5,877 |
| Assets per employee ($millions) | 3.7853% | 4,354 |
| Cash dividends to net income (ytd only)* | 127.0807% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,607 |
| Loan loss allowance to noncurrent loans | 21.1150% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 5.6301% | 780 |
| Noncurrent loans to loans | 7.5770% | 474 |
| Net loans and leases to total assets | 73.1168% | 1,379 |
| Net loans and leases to deposits | 90.8433% | 1,063 |
| Net loans and leases to core deposits | 92.2850% | 1,754 |
| Total domestic deposits to total assets | 80.4867% | 5,616 |
| Equity capital to assets | 19.0252% | 275 |
| Core capital (leverage) ratio | 19.0491% | 240 |
| Tier 1 risk-based capital ratio | 26.3648% | 775 |
| Total risk-based capital ratio | 27.6198% | 763 |
| Memoranda: | ||
| Average total assets | $160,730,000 | 3,648 |
| Average earning assets | $154,346,330 | 3,530 |
| Average equity | $30,519,670 | 2,228 |
| Average total loans | $122,792,670 | 3,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5055% | 160 |
| Cost of funding earning assets | 0.6552% | 4,677 |
| Net interest margin | 5.8503% | 116 |
| Noninterest income to average assets | 0.0545% | 6,911 |
| Noninterest expense to average assets | 3.2475% | 2,446 |
| Loan and lease loss provision to assets | 0.5940% | 966 |
| Net operating income to assets | 0.9975% | 2,490 |
| Return on assets (ROA) | 0.9975% | 2,681 |
| Pretax return on assets | 1.8267% | 1,021 |
| Return on Equity (ROE) | 5.2584% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.2584% | 3,398 |
| Net charge-offs to loans | 0.4795% | 1,891 |
| Credit loss provision to net charge-offs | 160.0000% | 1,582 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,194 |
| Efficiency ratio | 57.2926% | 6,007 |
| Assets per employee ($millions) | 3.8530% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,625 |
| Loan loss allowance to noncurrent loans | 20.9816% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 5.0363% | 1,034 |
| Noncurrent loans to loans | 6.6590% | 708 |
| Net loans and leases to total assets | 74.5739% | 977 |
| Net loans and leases to deposits | 92.8979% | 736 |
| Net loans and leases to core deposits | 94.5835% | 1,404 |
| Total domestic deposits to total assets | 80.2751% | 5,784 |
| Equity capital to assets | 19.0705% | 275 |
| Core capital (leverage) ratio | 19.1039% | 240 |
| Tier 1 risk-based capital ratio | 26.0961% | 795 |
| Total risk-based capital ratio | 27.3488% | 782 |
| Memoranda: | ||
| Average total assets | $161,603,000 | 3,652 |
| Average earning assets | $155,068,000 | 3,530 |
| Average equity | $30,656,000 | 2,224 |
| Average total loans | $125,122,000 | 3,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9477% | 101 |
| Cost of funding earning assets | 0.7038% | 5,514 |
| Net interest margin | 6.2439% | 77 |
| Noninterest income to average assets | 0.0486% | 6,838 |
| Noninterest expense to average assets | 3.3648% | 2,327 |
| Loan and lease loss provision to assets | 0.3938% | 2,629 |
| Net operating income to assets | 1.2520% | 1,377 |
| Return on assets (ROA) | 1.2520% | 1,475 |
| Pretax return on assets | 2.2832% | 313 |
| Return on Equity (ROE) | 6.7957% | 3,491 |
| Retained earnings to average equity (ytd only) | 3.3795% | 3,817 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6925% | 6,350 |
| Assets per employee ($millions) | 3.8424% | 4,219 |
| Cash dividends to net income (ytd only)* | 50.2703% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 5,082 |
| Loan loss allowance to noncurrent loans | 17.0365% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 5.8923% | 840 |
| Noncurrent loans to loans | 7.4374% | 575 |
| Net loans and leases to total assets | 78.2216% | 686 |
| Net loans and leases to deposits | 97.0971% | 620 |
| Net loans and leases to core deposits | 98.8690% | 1,270 |
| Total domestic deposits to total assets | 80.5602% | 5,577 |
| Equity capital to assets | 18.8691% | 287 |
| Core capital (leverage) ratio | 18.8691% | 251 |
| Tier 1 risk-based capital ratio | 25.2163% | 848 |
| Total risk-based capital ratio | 26.4585% | 831 |
| Memoranda: | ||
| Average total assets | $162,537,000 | 3,596 |
| Average earning assets | $156,008,400 | 3,474 |
| Average equity | $29,945,200 | 2,203 |
| Average total loans | $135,540,200 | 2,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0429% | 96 |
| Cost of funding earning assets | 0.7005% | 5,757 |
| Net interest margin | 6.3423% | 72 |
| Noninterest income to average assets | 0.0499% | 6,956 |
| Noninterest expense to average assets | 3.3876% | 2,223 |
| Loan and lease loss provision to assets | 0.3275% | 2,917 |
| Net operating income to assets | 1.3323% | 1,303 |
| Return on assets (ROA) | 1.3323% | 1,392 |
| Pretax return on assets | 2.4287% | 281 |
| Return on Equity (ROE) | 7.2749% | 3,390 |
| Retained earnings to average equity (ytd only) | 2.7007% | 4,742 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1379% | 6,372 |
| Assets per employee ($millions) | 3.8741% | 4,133 |
| Cash dividends to net income (ytd only)* | 62.8766% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,050 |
| Loan loss allowance to noncurrent loans | 15.3572% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 5.5227% | 1,008 |
| Noncurrent loans to loans | 6.8351% | 739 |
| Net loans and leases to total assets | 79.9503% | 522 |
| Net loans and leases to deposits | 98.7820% | 526 |
| Net loans and leases to core deposits | 100.7598% | 1,183 |
| Total domestic deposits to total assets | 80.9361% | 5,457 |
| Equity capital to assets | 18.4597% | 350 |
| Core capital (leverage) ratio | 18.4597% | 288 |
| Tier 1 risk-based capital ratio | 24.3086% | 980 |
| Total risk-based capital ratio | 25.4255% | 979 |
| Memoranda: | ||
| Average total assets | $162,826,250 | 3,623 |
| Average earning assets | $156,447,250 | 3,493 |
| Average equity | $29,818,750 | 2,208 |
| Average total loans | $137,461,750 | 2,869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1660% | 90 |
| Cost of funding earning assets | 0.7037% | 5,938 |
| Net interest margin | 6.4623% | 70 |
| Noninterest income to average assets | 0.0479% | 7,056 |
| Noninterest expense to average assets | 3.3586% | 2,373 |
| Loan and lease loss provision to assets | 0.2947% | 3,044 |
| Net operating income to assets | 1.4306% | 1,020 |
| Return on assets (ROA) | 1.4306% | 1,080 |
| Pretax return on assets | 2.6083% | 214 |
| Return on Equity (ROE) | 7.8329% | 3,025 |
| Retained earnings to average equity (ytd only) | 0.9547% | 5,485 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6380% | 6,652 |
| Assets per employee ($millions) | 3.7774% | 4,259 |
| Cash dividends to net income (ytd only)* | 87.8112% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 6,656 |
| Loan loss allowance to noncurrent loans | 15.2653% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 4.9204% | 1,248 |
| Noncurrent loans to loans | 5.9022% | 1,023 |
| Net loans and leases to total assets | 82.6131% | 330 |
| Net loans and leases to deposits | 101.6661% | 416 |
| Net loans and leases to core deposits | 103.6962% | 1,059 |
| Total domestic deposits to total assets | 81.2593% | 5,440 |
| Equity capital to assets | 18.2039% | 372 |
| Core capital (leverage) ratio | 18.2039% | 310 |
| Tier 1 risk-based capital ratio | 23.5414% | 1,054 |
| Total risk-based capital ratio | 24.5127% | 1,066 |
| Memoranda: | ||
| Average total assets | $162,864,670 | 3,636 |
| Average earning assets | $156,599,670 | 3,517 |
| Average equity | $29,746,330 | 2,198 |
| Average total loans | $139,459,670 | 2,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2868% | 87 |
| Cost of funding earning assets | 0.7381% | 5,933 |
| Net interest margin | 6.5487% | 68 |
| Noninterest income to average assets | 0.0417% | 7,173 |
| Noninterest expense to average assets | 3.4167% | 2,233 |
| Loan and lease loss provision to assets | 0.2943% | 2,803 |
| Net operating income to assets | 1.4373% | 1,005 |
| Return on assets (ROA) | 1.4373% | 1,044 |
| Pretax return on assets | 2.6195% | 213 |
| Return on Equity (ROE) | 7.8564% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.8564% | 1,790 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9713% | 6,701 |
| Assets per employee ($millions) | 3.6889% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 6,945 |
| Loan loss allowance to noncurrent loans | 16.5438% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 4.0964% | 1,630 |
| Noncurrent loans to loans | 4.7603% | 1,442 |
| Net loans and leases to total assets | 85.3757% | 163 |
| Net loans and leases to deposits | 105.6752% | 258 |
| Net loans and leases to core deposits | 107.7960% | 848 |
| Total domestic deposits to total assets | 80.7907% | 5,723 |
| Equity capital to assets | 18.4860% | 332 |
| Core capital (leverage) ratio | 18.4860% | 302 |
| Tier 1 risk-based capital ratio | 23.4454% | 1,033 |
| Total risk-based capital ratio | 24.3050% | 1,058 |
| Memoranda: | ||
| Average total assets | $163,083,500 | 3,653 |
| Average earning assets | $156,611,000 | 3,533 |
| Average equity | $29,835,500 | 2,188 |
| Average total loans | $141,486,500 | 2,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3863% | 89 |
| Cost of funding earning assets | 1.0867% | 5,206 |
| Net interest margin | 6.2996% | 78 |
| Noninterest income to average assets | 0.0511% | 7,097 |
| Noninterest expense to average assets | 3.1613% | 3,230 |
| Loan and lease loss provision to assets | 0.1665% | 5,553 |
| Net operating income to assets | 1.5137% | 738 |
| Return on assets (ROA) | 1.6024% | 667 |
| Pretax return on assets | 2.9175% | 129 |
| Return on Equity (ROE) | 9.3562% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.7665% | 1,953 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7671% | 7,001 |
| Assets per employee ($millions) | 3.8106% | 4,229 |
| Cash dividends to net income (ytd only)* | 38.3673% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 7,151 |
| Loan loss allowance to noncurrent loans | 13.5640% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 4.4094% | 1,512 |
| Noncurrent loans to loans | 5.0419% | 1,328 |
| Net loans and leases to total assets | 86.8561% | 137 |
| Net loans and leases to deposits | 108.5485% | 260 |
| Net loans and leases to core deposits | 110.3831% | 898 |
| Total domestic deposits to total assets | 80.0159% | 5,829 |
| Equity capital to assets | 18.1050% | 368 |
| Core capital (leverage) ratio | 18.1050% | 326 |
| Tier 1 risk-based capital ratio | 22.8102% | 1,064 |
| Total risk-based capital ratio | 23.5637% | 1,112 |
| Memoranda: | ||
| Average total assets | $168,190,200 | 3,573 |
| Average earning assets | $161,677,400 | 3,415 |
| Average equity | $28,804,400 | 2,258 |
| Average total loans | $146,661,600 | 2,825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3963% | 91 |
| Cost of funding earning assets | 1.1555% | 5,115 |
| Net interest margin | 6.2408% | 81 |
| Noninterest income to average assets | 0.0496% | 7,271 |
| Noninterest expense to average assets | 3.1223% | 3,229 |
| Loan and lease loss provision to assets | 0.1260% | 5,764 |
| Net operating income to assets | 1.5447% | 839 |
| Return on assets (ROA) | 1.5462% | 914 |
| Pretax return on assets | 2.8104% | 154 |
| Return on Equity (ROE) | 9.1548% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.3326% | 3,448 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5542% | 7,024 |
| Assets per employee ($millions) | 3.8583% | 4,121 |
| Cash dividends to net income (ytd only)* | 52.6744% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 7,351 |
| Loan loss allowance to noncurrent loans | 12.6937% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 4.0836% | 1,701 |
| Noncurrent loans to loans | 4.7315% | 1,495 |
| Net loans and leases to total assets | 85.7890% | 220 |
| Net loans and leases to deposits | 106.5991% | 337 |
| Net loans and leases to core deposits | 108.1461% | 1,153 |
| Total domestic deposits to total assets | 80.4782% | 5,551 |
| Equity capital to assets | 17.4917% | 465 |
| Core capital (leverage) ratio | 17.4917% | 387 |
| Tier 1 risk-based capital ratio | 22.2637% | 1,171 |
| Total risk-based capital ratio | 22.9234% | 1,237 |
| Memoranda: | ||
| Average total assets | $169,274,000 | 3,593 |
| Average earning assets | $162,924,000 | 3,444 |
| Average equity | $28,589,000 | 2,304 |
| Average total loans | $147,502,500 | 2,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4312% | 92 |
| Cost of funding earning assets | 1.2184% | 5,027 |
| Net interest margin | 6.2128% | 83 |
| Noninterest income to average assets | 0.0540% | 7,317 |
| Noninterest expense to average assets | 3.0329% | 3,584 |
| Loan and lease loss provision to assets | 0.0469% | 6,498 |
| Net operating income to assets | 1.6210% | 691 |
| Return on assets (ROA) | 1.6233% | 744 |
| Pretax return on assets | 2.9566% | 133 |
| Return on Equity (ROE) | 9.7239% | 2,201 |
| Retained earnings to average equity (ytd only) | 2.4538% | 4,589 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2724% | 7,205 |
| Assets per employee ($millions) | 4.0552% | 3,665 |
| Cash dividends to net income (ytd only)* | 74.7650% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5038% | 7,503 |
| Loan loss allowance to noncurrent loans | 13.0259% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 3.3355% | 2,110 |
| Noncurrent loans to loans | 3.8679% | 1,980 |
| Net loans and leases to total assets | 85.7997% | 240 |
| Net loans and leases to deposits | 104.0611% | 480 |
| Net loans and leases to core deposits | 105.7379% | 1,475 |
| Total domestic deposits to total assets | 82.4513% | 4,799 |
| Equity capital to assets | 16.6980% | 570 |
| Core capital (leverage) ratio | 16.6980% | 474 |
| Tier 1 risk-based capital ratio | 21.5148% | 1,268 |
| Total risk-based capital ratio | 22.0746% | 1,343 |
| Memoranda: | ||
| Average total assets | $170,396,330 | 3,594 |
| Average earning assets | $163,983,330 | 3,448 |
| Average equity | $28,445,330 | 2,305 |
| Average total loans | $148,940,000 | 2,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5373% | 103 |
| Cost of funding earning assets | 1.3071% | 4,773 |
| Net interest margin | 6.2302% | 88 |
| Noninterest income to average assets | 0.0610% | 7,414 |
| Noninterest expense to average assets | 2.9571% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6947% | 623 |
| Return on assets (ROA) | 1.6992% | 669 |
| Pretax return on assets | 3.0956% | 129 |
| Return on Equity (ROE) | 10.1800% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.1800% | 1,100 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9130% | 7,379 |
| Assets per employee ($millions) | 4.2192% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4672% | 7,621 |
| Loan loss allowance to noncurrent loans | 14.8368% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 2.7273% | 2,668 |
| Noncurrent loans to loans | 3.1493% | 2,549 |
| Net loans and leases to total assets | 86.1980% | 205 |
| Net loans and leases to deposits | 104.6987% | 484 |
| Net loans and leases to core deposits | 106.3558% | 1,547 |
| Total domestic deposits to total assets | 82.3295% | 4,921 |
| Equity capital to assets | 16.6542% | 571 |
| Core capital (leverage) ratio | 16.6542% | 485 |
| Tier 1 risk-based capital ratio | 23.0947% | 1,058 |
| Total risk-based capital ratio | 23.6559% | 1,129 |
| Memoranda: | ||
| Average total assets | $170,434,500 | 3,655 |
| Average earning assets | $163,719,500 | 3,503 |
| Average equity | $28,448,000 | 2,332 |
| Average total loans | $149,973,000 | 2,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5480% | 127 |
| Cost of funding earning assets | 1.9594% | 3,159 |
| Net interest margin | 5.5886% | 173 |
| Noninterest income to average assets | 0.0554% | 7,481 |
| Noninterest expense to average assets | 3.1283% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1876% | 1,278 |
| Return on assets (ROA) | 1.2104% | 1,269 |
| Pretax return on assets | 2.3467% | 203 |
| Return on Equity (ROE) | 7.5957% | 2,540 |
| Retained earnings to average equity (ytd only) | 3.8107% | 2,532 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5121% | 6,831 |
| Assets per employee ($millions) | 4.0946% | 3,629 |
| Cash dividends to net income (ytd only)* | 49.8313% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4663% | 7,697 |
| Loan loss allowance to noncurrent loans | 15.0830% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 2.7645% | 2,527 |
| Noncurrent loans to loans | 3.0913% | 2,470 |
| Net loans and leases to total assets | 89.0118% | 127 |
| Net loans and leases to deposits | 108.8059% | 429 |
| Net loans and leases to core deposits | 121.1220% | 1,871 |
| Total domestic deposits to total assets | 81.8078% | 5,031 |
| Equity capital to assets | 16.7298% | 588 |
| Core capital (leverage) ratio | 16.7298% | 522 |
| Tier 1 risk-based capital ratio | 22.6743% | 1,077 |
| Total risk-based capital ratio | 23.2394% | 1,131 |
| Memoranda: | ||
| Average total assets | $171,435,800 | 3,586 |
| Average earning assets | $165,156,200 | 3,417 |
| Average equity | $27,318,000 | 2,424 |
| Average total loans | $153,313,800 | 2,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5584% | 133 |
| Cost of funding earning assets | 2.0991% | 2,897 |
| Net interest margin | 5.4593% | 191 |
| Noninterest income to average assets | 0.0526% | 7,638 |
| Noninterest expense to average assets | 3.1142% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1034% | 1,721 |
| Return on assets (ROA) | 1.1312% | 1,709 |
| Pretax return on assets | 2.2500% | 315 |
| Return on Equity (ROE) | 7.1860% | 2,990 |
| Retained earnings to average equity (ytd only) | 2.1037% | 4,152 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5284% | 6,643 |
| Assets per employee ($millions) | 4.1325% | 3,505 |
| Cash dividends to net income (ytd only)* | 70.7251% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 7,772 |
| Loan loss allowance to noncurrent loans | 16.7291% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 2,845 |
| Noncurrent loans to loans | 2.6665% | 2,842 |
| Net loans and leases to total assets | 90.4590% | 99 |
| Net loans and leases to deposits | 111.5266% | 412 |
| Net loans and leases to core deposits | 122.8400% | 2,006 |
| Total domestic deposits to total assets | 81.1099% | 5,035 |
| Equity capital to assets | 16.6203% | 689 |
| Core capital (leverage) ratio | 16.6203% | 599 |
| Tier 1 risk-based capital ratio | 22.3011% | 1,186 |
| Total risk-based capital ratio | 22.8450% | 1,251 |
| Memoranda: | ||
| Average total assets | $172,324,750 | 3,583 |
| Average earning assets | $166,292,750 | 3,442 |
| Average equity | $27,126,000 | 2,461 |
| Average total loans | $154,109,000 | 2,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5085% | 154 |
| Cost of funding earning assets | 2.2485% | 2,585 |
| Net interest margin | 5.2600% | 262 |
| Noninterest income to average assets | 0.0447% | 7,756 |
| Noninterest expense to average assets | 3.1122% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0980% | 1,780 |
| Return on assets (ROA) | 1.1244% | 1,766 |
| Pretax return on assets | 2.0496% | 496 |
| Return on Equity (ROE) | 7.2713% | 3,079 |
| Retained earnings to average equity (ytd only) | -0.3850% | 5,320 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7782% | 6,435 |
| Assets per employee ($millions) | 4.3757% | 2,976 |
| Cash dividends to net income (ytd only)* | 105.2953% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3797% | 7,921 |
| Loan loss allowance to noncurrent loans | 19.6078% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 3,582 |
| Noncurrent loans to loans | 1.9365% | 3,620 |
| Net loans and leases to total assets | 89.1693% | 177 |
| Net loans and leases to deposits | 111.4324% | 501 |
| Net loans and leases to core deposits | 122.8880% | 2,121 |
| Total domestic deposits to total assets | 80.0210% | 5,471 |
| Equity capital to assets | 15.7365% | 877 |
| Core capital (leverage) ratio | 15.7365% | 779 |
| Tier 1 risk-based capital ratio | 21.3057% | 1,348 |
| Total risk-based capital ratio | 21.7659% | 1,446 |
| Memoranda: | ||
| Average total assets | $174,667,000 | 3,562 |
| Average earning assets | $168,554,670 | 3,421 |
| Average equity | $27,010,330 | 2,476 |
| Average total loans | $155,413,000 | 2,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3766% | 198 |
| Cost of funding earning assets | 2.3955% | 2,314 |
| Net interest margin | 4.9811% | 420 |
| Noninterest income to average assets | 0.0611% | 7,763 |
| Noninterest expense to average assets | 3.4142% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7950% | 3,150 |
| Return on assets (ROA) | 0.8196% | 3,198 |
| Pretax return on assets | 1.4920% | 1,687 |
| Return on Equity (ROE) | 5.3455% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.3455% | 2,935 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1395% | 4,546 |
| Assets per employee ($millions) | 4.4862% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 8,019 |
| Loan loss allowance to noncurrent loans | 9.9090% | 7,515 |
| Noncurrent assets plus other real estate owned to assets | 2.8263% | 2,010 |
| Noncurrent loans to loans | 3.2110% | 2,017 |
| Net loans and leases to total assets | 87.7418% | 287 |
| Net loans and leases to deposits | 109.4293% | 647 |
| Net loans and leases to core deposits | 121.0621% | 2,329 |
| Total domestic deposits to total assets | 80.1813% | 5,296 |
| Equity capital to assets | 15.5858% | 952 |
| Core capital (leverage) ratio | 15.5858% | 848 |
| Tier 1 risk-based capital ratio | 21.2329% | 1,413 |
| Total risk-based capital ratio | 21.6144% | 1,519 |
| Memoranda: | ||
| Average total assets | $176,673,500 | 3,556 |
| Average earning assets | $170,484,500 | 3,413 |
| Average equity | $27,088,000 | 2,482 |
| Average total loans | $156,744,000 | 2,896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7654% | 255 |
| Cost of funding earning assets | 2.9209% | 2,170 |
| Net interest margin | 4.8445% | 715 |
| Noninterest income to average assets | 0.0749% | 7,767 |
| Noninterest expense to average assets | 2.6317% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1492% | 1,945 |
| Return on assets (ROA) | 1.1492% | 1,871 |
| Pretax return on assets | 2.1047% | 480 |
| Return on Equity (ROE) | 7.2497% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.9847% | 2,655 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5639% | 7,077 |
| Assets per employee ($millions) | 4.5740% | 2,508 |
| Cash dividends to net income (ytd only)* | 45.0362% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2508% | 8,125 |
| Loan loss allowance to noncurrent loans | 14.8865% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 3,207 |
| Noncurrent loans to loans | 1.6848% | 3,241 |
| Net loans and leases to total assets | 89.1796% | 264 |
| Net loans and leases to deposits | 110.5226% | 802 |
| Net loans and leases to core deposits | 124.1680% | 2,312 |
| Total domestic deposits to total assets | 80.6891% | 4,776 |
| Equity capital to assets | 15.0836% | 1,140 |
| Core capital (leverage) ratio | 15.0836% | 1,013 |
| Tier 1 risk-based capital ratio | 20.6118% | 1,520 |
| Total risk-based capital ratio | 20.9182% | 1,629 |
| Memoranda: | ||
| Average total assets | $168,293,600 | 3,579 |
| Average earning assets | $161,937,000 | 3,439 |
| Average equity | $26,677,000 | 2,501 |
| Average total loans | $150,666,000 | 2,917 |