Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 561 |
| Cost of funding earning assets | 0.5306% | 1,874 |
| Net interest margin | 4.5042% | 624 |
| Noninterest income to average assets | 0.9433% | 1,268 |
| Noninterest expense to average assets | 3.4474% | 1,252 |
| Loan and lease loss provision to assets | 0.0312% | 3,606 |
| Net operating income to assets | 1.1546% | 1,790 |
| Return on assets (ROA) | 1.1647% | 1,856 |
| Pretax return on assets | 1.7160% | 1,072 |
| Return on Equity (ROE) | 9.8895% | 2,097 |
| Retained earnings to average equity (ytd only) | -1.0474% | 5,500 |
| Net charge-offs to loans | 0.1023% | 1,923 |
| Credit loss provision to net charge-offs | 39.7849% | 3,149 |
| Earnings coverage of net charge-offs (x) | 22.0968% | 1,782 |
| Efficiency ratio | 66.5564% | 3,494 |
| Assets per employee ($millions) | 3.8483% | 4,219 |
| Cash dividends to net income (ytd only)* | 110.5911% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,751 |
| Loan loss allowance to noncurrent loans | 56.2494% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 3.0086% | 379 |
| Noncurrent loans to loans | 2.6751% | 620 |
| Net loans and leases to total assets | 76.4872% | 1,442 |
| Net loans and leases to deposits | 95.2217% | 1,125 |
| Net loans and leases to core deposits | 95.7876% | 2,015 |
| Total domestic deposits to total assets | 80.3254% | 4,435 |
| Equity capital to assets | 11.8303% | 2,232 |
| Core capital (leverage) ratio | 11.5398% | 1,996 |
| Tier 1 risk-based capital ratio | 15.1036% | 2,998 |
| Total risk-based capital ratio | 16.3565% | 2,933 |
| Memoranda: | ||
| Average total assets | $474,510,500 | 1,444 |
| Average earning assets | $446,297,750 | 1,431 |
| Average equity | $55,882,750 | 1,383 |
| Average total loans | $363,529,750 | 1,291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 611 |
| Cost of funding earning assets | 0.5196% | 1,944 |
| Net interest margin | 4.4647% | 662 |
| Noninterest income to average assets | 0.8992% | 1,377 |
| Noninterest expense to average assets | 3.0093% | 2,315 |
| Loan and lease loss provision to assets | 0.0382% | 3,394 |
| Net operating income to assets | 1.3964% | 1,064 |
| Return on assets (ROA) | 1.4104% | 1,096 |
| Pretax return on assets | 2.0731% | 496 |
| Return on Equity (ROE) | 11.9936% | 1,327 |
| Retained earnings to average equity (ytd only) | -0.6286% | 5,385 |
| Net charge-offs to loans | -0.0732% | 5,512 |
| Credit loss provision to net charge-offs | -68.4211% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0052% | 4,770 |
| Assets per employee ($millions) | 3.5361% | 4,696 |
| Cash dividends to net income (ytd only)* | 105.2412% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,653 |
| Loan loss allowance to noncurrent loans | 129.2940% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 924 |
| Noncurrent loans to loans | 1.2048% | 1,914 |
| Net loans and leases to total assets | 76.6947% | 1,385 |
| Net loans and leases to deposits | 96.4693% | 1,031 |
| Net loans and leases to core deposits | 97.2600% | 1,866 |
| Total domestic deposits to total assets | 79.5017% | 4,673 |
| Equity capital to assets | 11.5379% | 2,504 |
| Core capital (leverage) ratio | 11.5811% | 1,927 |
| Tier 1 risk-based capital ratio | 14.6292% | 3,238 |
| Total risk-based capital ratio | 15.8829% | 3,177 |
| Memoranda: | ||
| Average total assets | $476,184,670 | 1,442 |
| Average earning assets | $448,051,670 | 1,430 |
| Average equity | $55,996,330 | 1,379 |
| Average total loans | $363,178,330 | 1,292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 616 |
| Cost of funding earning assets | 0.5085% | 2,036 |
| Net interest margin | 4.4611% | 655 |
| Noninterest income to average assets | 0.8567% | 1,426 |
| Noninterest expense to average assets | 3.0327% | 2,293 |
| Loan and lease loss provision to assets | 0.0771% | 2,419 |
| Net operating income to assets | 1.3313% | 1,184 |
| Return on assets (ROA) | 1.3371% | 1,248 |
| Pretax return on assets | 1.9481% | 630 |
| Return on Equity (ROE) | 11.2619% | 1,511 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,072 |
| Net charge-offs to loans | 0.1011% | 1,519 |
| Credit loss provision to net charge-offs | 101.1111% | 1,606 |
| Earnings coverage of net charge-offs (x) | 26.4444% | 1,275 |
| Efficiency ratio | 60.0604% | 4,737 |
| Assets per employee ($millions) | 3.6001% | 4,650 |
| Cash dividends to net income (ytd only)* | 41.1914% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,680 |
| Loan loss allowance to noncurrent loans | 78.3458% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4333% | 625 |
| Noncurrent loans to loans | 2.0161% | 1,061 |
| Net loans and leases to total assets | 74.1494% | 1,703 |
| Net loans and leases to deposits | 89.2180% | 1,674 |
| Net loans and leases to core deposits | 89.9859% | 2,374 |
| Total domestic deposits to total assets | 83.1103% | 3,856 |
| Equity capital to assets | 11.9209% | 2,077 |
| Core capital (leverage) ratio | 12.0393% | 1,580 |
| Tier 1 risk-based capital ratio | 15.4374% | 2,952 |
| Total risk-based capital ratio | 16.6910% | 2,885 |
| Memoranda: | ||
| Average total assets | $472,057,000 | 1,456 |
| Average earning assets | $443,656,000 | 1,442 |
| Average equity | $56,047,500 | 1,378 |
| Average total loans | $356,058,000 | 1,306 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 568 |
| Cost of funding earning assets | 0.4888% | 2,271 |
| Net interest margin | 4.5629% | 591 |
| Noninterest income to average assets | 0.7032% | 2,185 |
| Noninterest expense to average assets | 2.9430% | 2,720 |
| Loan and lease loss provision to assets | 0.0298% | 3,774 |
| Net operating income to assets | 1.3829% | 1,071 |
| Return on assets (ROA) | 1.3927% | 1,094 |
| Pretax return on assets | 1.9897% | 547 |
| Return on Equity (ROE) | 11.6322% | 1,397 |
| Retained earnings to average equity (ytd only) | -15.0391% | 6,088 |
| Net charge-offs to loans | 0.2844% | 1,064 |
| Credit loss provision to net charge-offs | 14.0140% | 3,795 |
| Earnings coverage of net charge-offs (x) | 9.4294% | 2,820 |
| Efficiency ratio | 59.4734% | 4,975 |
| Assets per employee ($millions) | 3.5256% | 4,791 |
| Cash dividends to net income (ytd only)* | 229.2877% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,623 |
| Loan loss allowance to noncurrent loans | 79.8165% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 615 |
| Noncurrent loans to loans | 2.0009% | 1,042 |
| Net loans and leases to total assets | 74.3096% | 1,674 |
| Net loans and leases to deposits | 88.1547% | 1,863 |
| Net loans and leases to core deposits | 88.9153% | 2,509 |
| Total domestic deposits to total assets | 84.2945% | 3,368 |
| Equity capital to assets | 11.8245% | 2,093 |
| Core capital (leverage) ratio | 11.8858% | 1,693 |
| Tier 1 risk-based capital ratio | 15.3607% | 3,010 |
| Total risk-based capital ratio | 16.6145% | 2,941 |
| Memoranda: | ||
| Average total assets | $469,721,800 | 1,434 |
| Average earning assets | $437,020,200 | 1,427 |
| Average equity | $56,240,200 | 1,328 |
| Average total loans | $351,256,600 | 1,283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 572 |
| Cost of funding earning assets | 0.4865% | 2,350 |
| Net interest margin | 4.5502% | 588 |
| Noninterest income to average assets | 0.7093% | 2,192 |
| Noninterest expense to average assets | 2.9113% | 2,813 |
| Loan and lease loss provision to assets | 0.0397% | 3,418 |
| Net operating income to assets | 1.3828% | 1,153 |
| Return on assets (ROA) | 1.3945% | 1,171 |
| Pretax return on assets | 1.9994% | 600 |
| Return on Equity (ROE) | 11.6111% | 1,495 |
| Retained earnings to average equity (ytd only) | -23.8246% | 6,216 |
| Net charge-offs to loans | 0.1586% | 1,557 |
| Credit loss provision to net charge-offs | 33.5731% | 3,242 |
| Earnings coverage of net charge-offs (x) | 17.0934% | 2,076 |
| Efficiency ratio | 59.0086% | 5,005 |
| Assets per employee ($millions) | 3.4664% | 4,858 |
| Cash dividends to net income (ytd only)* | 305.1882% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 1,324 |
| Loan loss allowance to noncurrent loans | 74.3031% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.9360% | 530 |
| Noncurrent loans to loans | 2.3788% | 875 |
| Net loans and leases to total assets | 75.1844% | 1,510 |
| Net loans and leases to deposits | 89.1821% | 1,750 |
| Net loans and leases to core deposits | 90.1561% | 2,451 |
| Total domestic deposits to total assets | 84.3044% | 3,301 |
| Equity capital to assets | 11.7189% | 2,331 |
| Core capital (leverage) ratio | 11.7516% | 1,855 |
| Tier 1 risk-based capital ratio | 15.0141% | 3,283 |
| Total risk-based capital ratio | 16.2701% | 3,221 |
| Memoranda: | ||
| Average total assets | $469,925,750 | 1,444 |
| Average earning assets | $436,273,750 | 1,426 |
| Average equity | $56,438,750 | 1,333 |
| Average total loans | $350,546,500 | 1,292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 581 |
| Cost of funding earning assets | 0.4878% | 2,372 |
| Net interest margin | 4.5252% | 607 |
| Noninterest income to average assets | 0.6703% | 2,353 |
| Noninterest expense to average assets | 2.9330% | 2,775 |
| Loan and lease loss provision to assets | 0.0592% | 2,915 |
| Net operating income to assets | 1.2993% | 1,323 |
| Return on assets (ROA) | 1.3094% | 1,354 |
| Pretax return on assets | 1.8829% | 758 |
| Return on Equity (ROE) | 10.8172% | 1,739 |
| Retained earnings to average equity (ytd only) | -40.7181% | 6,315 |
| Net charge-offs to loans | 0.3008% | 880 |
| Credit loss provision to net charge-offs | 26.6160% | 2,956 |
| Earnings coverage of net charge-offs (x) | 8.6654% | 2,540 |
| Efficiency ratio | 60.3411% | 4,937 |
| Assets per employee ($millions) | 3.4668% | 4,858 |
| Cash dividends to net income (ytd only)* | 476.4212% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 1,393 |
| Loan loss allowance to noncurrent loans | 118.4155% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5683% | 726 |
| Noncurrent loans to loans | 1.5097% | 1,763 |
| Net loans and leases to total assets | 73.5655% | 1,732 |
| Net loans and leases to deposits | 85.5025% | 2,107 |
| Net loans and leases to core deposits | 87.3275% | 2,626 |
| Total domestic deposits to total assets | 86.0390% | 2,680 |
| Equity capital to assets | 11.3846% | 2,506 |
| Core capital (leverage) ratio | 11.2692% | 2,191 |
| Tier 1 risk-based capital ratio | 14.9590% | 3,377 |
| Total risk-based capital ratio | 16.2150% | 3,314 |
| Memoranda: | ||
| Average total assets | $472,890,000 | 1,439 |
| Average earning assets | $437,899,330 | 1,432 |
| Average equity | $57,242,330 | 1,328 |
| Average total loans | $349,774,670 | 1,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 620 |
| Cost of funding earning assets | 0.4912% | 2,367 |
| Net interest margin | 4.4601% | 652 |
| Noninterest income to average assets | 0.7159% | 2,093 |
| Noninterest expense to average assets | 2.9176% | 2,842 |
| Loan and lease loss provision to assets | 0.1082% | 1,903 |
| Net operating income to assets | 1.2612% | 1,378 |
| Return on assets (ROA) | 1.2761% | 1,429 |
| Pretax return on assets | 1.8388% | 812 |
| Return on Equity (ROE) | 10.2516% | 1,890 |
| Retained earnings to average equity (ytd only) | -59.2962% | 6,394 |
| Net charge-offs to loans | 0.6114% | 397 |
| Credit loss provision to net charge-offs | 24.0741% | 2,327 |
| Earnings coverage of net charge-offs (x) | 4.2833% | 2,514 |
| Efficiency ratio | 60.2441% | 5,063 |
| Assets per employee ($millions) | 3.6796% | 4,555 |
| Cash dividends to net income (ytd only)* | 678.4083% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,696 |
| Loan loss allowance to noncurrent loans | 112.5992% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 2.7899% | 709 |
| Noncurrent loans to loans | 1.5239% | 1,848 |
| Net loans and leases to total assets | 73.6563% | 1,553 |
| Net loans and leases to deposits | 89.3309% | 1,454 |
| Net loans and leases to core deposits | 91.0454% | 2,025 |
| Total domestic deposits to total assets | 82.4534% | 4,366 |
| Equity capital to assets | 11.6952% | 2,296 |
| Core capital (leverage) ratio | 11.7231% | 1,834 |
| Tier 1 risk-based capital ratio | 15.1714% | 3,336 |
| Total risk-based capital ratio | 16.4266% | 3,254 |
| Memoranda: | ||
| Average total assets | $480,529,500 | 1,423 |
| Average earning assets | $444,656,000 | 1,417 |
| Average equity | $59,815,000 | 1,284 |
| Average total loans | $353,276,000 | 1,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 531 |
| Cost of funding earning assets | 0.5297% | 2,392 |
| Net interest margin | 4.6579% | 558 |
| Noninterest income to average assets | 0.6850% | 2,367 |
| Noninterest expense to average assets | 3.0319% | 2,749 |
| Loan and lease loss provision to assets | 0.1797% | 1,428 |
| Net operating income to assets | 1.3260% | 1,246 |
| Return on assets (ROA) | 1.3358% | 1,271 |
| Pretax return on assets | 1.7953% | 801 |
| Return on Equity (ROE) | 9.7596% | 2,214 |
| Retained earnings to average equity (ytd only) | 2.3862% | 4,531 |
| Net charge-offs to loans | 0.2393% | 1,770 |
| Credit loss provision to net charge-offs | 101.5777% | 2,355 |
| Earnings coverage of net charge-offs (x) | 11.0874% | 2,545 |
| Efficiency ratio | 60.7155% | 5,111 |
| Assets per employee ($millions) | 3.7999% | 4,345 |
| Cash dividends to net income (ytd only)* | 75.5506% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,404 |
| Loan loss allowance to noncurrent loans | 104.5250% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 747 |
| Noncurrent loans to loans | 1.7764% | 1,620 |
| Net loans and leases to total assets | 70.7889% | 2,110 |
| Net loans and leases to deposits | 88.0396% | 1,729 |
| Net loans and leases to core deposits | 89.7290% | 2,309 |
| Total domestic deposits to total assets | 80.4057% | 4,908 |
| Equity capital to assets | 13.1821% | 1,278 |
| Core capital (leverage) ratio | 13.4918% | 972 |
| Tier 1 risk-based capital ratio | 18.1390% | 2,096 |
| Total risk-based capital ratio | 19.3963% | 2,054 |
| Memoranda: | ||
| Average total assets | $465,710,200 | 1,433 |
| Average earning assets | $430,796,400 | 1,423 |
| Average equity | $63,742,400 | 1,146 |
| Average total loans | $344,373,600 | 1,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 519 |
| Cost of funding earning assets | 0.5398% | 2,376 |
| Net interest margin | 4.6635% | 542 |
| Noninterest income to average assets | 0.8008% | 1,893 |
| Noninterest expense to average assets | 3.0413% | 2,668 |
| Loan and lease loss provision to assets | 0.2223% | 1,026 |
| Net operating income to assets | 1.3412% | 1,264 |
| Return on assets (ROA) | 1.3543% | 1,294 |
| Pretax return on assets | 1.8621% | 774 |
| Return on Equity (ROE) | 9.7993% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.3903% | 1,626 |
| Net charge-offs to loans | 0.2914% | 1,349 |
| Credit loss provision to net charge-offs | 102.5367% | 2,152 |
| Earnings coverage of net charge-offs (x) | 9.5301% | 2,659 |
| Efficiency ratio | 59.5420% | 5,249 |
| Assets per employee ($millions) | 3.5914% | 4,693 |
| Cash dividends to net income (ytd only)* | 24.5832% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 1,553 |
| Loan loss allowance to noncurrent loans | 77.7394% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.4535% | 627 |
| Noncurrent loans to loans | 2.3905% | 1,244 |
| Net loans and leases to total assets | 74.3219% | 1,472 |
| Net loans and leases to deposits | 95.3223% | 932 |
| Net loans and leases to core deposits | 97.2151% | 1,575 |
| Total domestic deposits to total assets | 77.9690% | 5,543 |
| Equity capital to assets | 14.1924% | 941 |
| Core capital (leverage) ratio | 14.4042% | 746 |
| Tier 1 risk-based capital ratio | 18.8905% | 1,933 |
| Total risk-based capital ratio | 20.1480% | 1,903 |
| Memoranda: | ||
| Average total assets | $460,541,000 | 1,458 |
| Average earning assets | $425,336,500 | 1,452 |
| Average equity | $63,649,000 | 1,159 |
| Average total loans | $342,761,500 | 1,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 525 |
| Cost of funding earning assets | 0.5548% | 2,307 |
| Net interest margin | 4.6274% | 558 |
| Noninterest income to average assets | 0.8842% | 1,545 |
| Noninterest expense to average assets | 3.1343% | 2,379 |
| Loan and lease loss provision to assets | 0.2328% | 977 |
| Net operating income to assets | 1.3344% | 1,222 |
| Return on assets (ROA) | 1.3546% | 1,222 |
| Pretax return on assets | 1.8124% | 823 |
| Return on Equity (ROE) | 9.8908% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.3021% | 1,210 |
| Net charge-offs to loans | 0.2946% | 1,366 |
| Credit loss provision to net charge-offs | 106.7864% | 1,874 |
| Earnings coverage of net charge-offs (x) | 9.2575% | 2,383 |
| Efficiency ratio | 60.8310% | 5,168 |
| Assets per employee ($millions) | 3.5084% | 4,831 |
| Cash dividends to net income (ytd only)* | 16.0617% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 1,588 |
| Loan loss allowance to noncurrent loans | 63.8807% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 4.0146% | 529 |
| Noncurrent loans to loans | 2.9734% | 983 |
| Net loans and leases to total assets | 73.4379% | 1,514 |
| Net loans and leases to deposits | 92.9269% | 1,059 |
| Net loans and leases to core deposits | 94.9663% | 1,687 |
| Total domestic deposits to total assets | 79.0276% | 5,448 |
| Equity capital to assets | 14.0605% | 948 |
| Core capital (leverage) ratio | 14.1845% | 776 |
| Tier 1 risk-based capital ratio | 18.9159% | 1,940 |
| Total risk-based capital ratio | 20.1739% | 1,904 |
| Memoranda: | ||
| Average total assets | $459,622,330 | 1,458 |
| Average earning assets | $423,950,670 | 1,456 |
| Average equity | $62,947,670 | 1,159 |
| Average total loans | $340,065,000 | 1,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 555 |
| Cost of funding earning assets | 0.5698% | 2,245 |
| Net interest margin | 4.5685% | 588 |
| Noninterest income to average assets | 0.8659% | 1,499 |
| Noninterest expense to average assets | 3.0842% | 2,579 |
| Loan and lease loss provision to assets | 0.2132% | 1,076 |
| Net operating income to assets | 1.4324% | 932 |
| Return on assets (ROA) | 1.4359% | 959 |
| Pretax return on assets | 1.7875% | 816 |
| Return on Equity (ROE) | 10.6261% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.6261% | 810 |
| Net charge-offs to loans | 0.2544% | 1,312 |
| Credit loss provision to net charge-offs | 113.9535% | 1,505 |
| Earnings coverage of net charge-offs (x) | 10.6698% | 1,843 |
| Efficiency ratio | 60.7057% | 5,308 |
| Assets per employee ($millions) | 3.4681% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 1,636 |
| Loan loss allowance to noncurrent loans | 50.4597% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 4.6657% | 460 |
| Noncurrent loans to loans | 3.8528% | 709 |
| Net loans and leases to total assets | 71.9561% | 1,583 |
| Net loans and leases to deposits | 88.6458% | 1,292 |
| Net loans and leases to core deposits | 91.3899% | 1,789 |
| Total domestic deposits to total assets | 81.1726% | 5,188 |
| Equity capital to assets | 13.8182% | 980 |
| Core capital (leverage) ratio | 13.9187% | 845 |
| Tier 1 risk-based capital ratio | 19.0030% | 1,971 |
| Total risk-based capital ratio | 20.2614% | 1,928 |
| Memoranda: | ||
| Average total assets | $459,636,500 | 1,469 |
| Average earning assets | $424,030,500 | 1,459 |
| Average equity | $62,111,000 | 1,173 |
| Average total loans | $338,072,000 | 1,301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 594 |
| Cost of funding earning assets | 0.6457% | 2,244 |
| Net interest margin | 4.5907% | 625 |
| Noninterest income to average assets | 0.8058% | 2,059 |
| Noninterest expense to average assets | 3.0171% | 3,008 |
| Loan and lease loss provision to assets | 0.3492% | 905 |
| Net operating income to assets | 1.1724% | 1,678 |
| Return on assets (ROA) | 1.2210% | 1,551 |
| Pretax return on assets | 1.7493% | 852 |
| Return on Equity (ROE) | 9.6219% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.7227% | 1,568 |
| Net charge-offs to loans | 0.6030% | 1,089 |
| Credit loss provision to net charge-offs | 80.0868% | 3,041 |
| Earnings coverage of net charge-offs (x) | 4.6538% | 3,499 |
| Efficiency ratio | 59.7900% | 5,500 |
| Assets per employee ($millions) | 3.4698% | 4,959 |
| Cash dividends to net income (ytd only)* | 30.1309% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,760 |
| Loan loss allowance to noncurrent loans | 54.5706% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 4.4552% | 571 |
| Noncurrent loans to loans | 3.5017% | 893 |
| Net loans and leases to total assets | 72.3112% | 1,636 |
| Net loans and leases to deposits | 89.4487% | 1,287 |
| Net loans and leases to core deposits | 92.9238% | 1,680 |
| Total domestic deposits to total assets | 80.8411% | 5,224 |
| Equity capital to assets | 13.2103% | 1,179 |
| Core capital (leverage) ratio | 13.5870% | 932 |
| Tier 1 risk-based capital ratio | 18.2766% | 2,159 |
| Total risk-based capital ratio | 19.5347% | 2,114 |
| Memoranda: | ||
| Average total assets | $475,688,600 | 1,396 |
| Average earning assets | $439,389,800 | 1,382 |
| Average equity | $60,362,600 | 1,187 |
| Average total loans | $343,922,200 | 1,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2343% | 603 |
| Cost of funding earning assets | 0.6593% | 2,273 |
| Net interest margin | 4.5750% | 649 |
| Noninterest income to average assets | 0.7656% | 2,295 |
| Noninterest expense to average assets | 2.9680% | 3,084 |
| Loan and lease loss provision to assets | 0.3002% | 1,125 |
| Net operating income to assets | 1.2022% | 1,629 |
| Return on assets (ROA) | 1.2659% | 1,511 |
| Pretax return on assets | 1.8164% | 867 |
| Return on Equity (ROE) | 10.0752% | 2,149 |
| Retained earnings to average equity (ytd only) | 7.6395% | 1,571 |
| Net charge-offs to loans | 0.5606% | 1,124 |
| Credit loss provision to net charge-offs | 74.4138% | 2,978 |
| Earnings coverage of net charge-offs (x) | 5.0214% | 3,302 |
| Efficiency ratio | 59.4351% | 5,506 |
| Assets per employee ($millions) | 3.5652% | 4,725 |
| Cash dividends to net income (ytd only)* | 24.1758% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 1,962 |
| Loan loss allowance to noncurrent loans | 91.3317% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 3.2228% | 1,104 |
| Noncurrent loans to loans | 2.0956% | 2,135 |
| Net loans and leases to total assets | 72.9067% | 1,468 |
| Net loans and leases to deposits | 89.4498% | 1,223 |
| Net loans and leases to core deposits | 92.9042% | 1,688 |
| Total domestic deposits to total assets | 81.5057% | 5,084 |
| Equity capital to assets | 13.2333% | 1,227 |
| Core capital (leverage) ratio | 13.3957% | 1,065 |
| Tier 1 risk-based capital ratio | 18.0818% | 2,295 |
| Total risk-based capital ratio | 19.3399% | 2,256 |
| Memoranda: | ||
| Average total assets | $479,239,000 | 1,390 |
| Average earning assets | $442,886,250 | 1,381 |
| Average equity | $60,212,250 | 1,206 |
| Average total loans | $344,850,750 | 1,235 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1651% | 679 |
| Cost of funding earning assets | 0.6732% | 2,280 |
| Net interest margin | 4.4919% | 717 |
| Noninterest income to average assets | 0.7136% | 2,576 |
| Noninterest expense to average assets | 2.9600% | 3,127 |
| Loan and lease loss provision to assets | 0.3784% | 852 |
| Net operating income to assets | 1.0599% | 2,078 |
| Return on assets (ROA) | 1.1213% | 1,974 |
| Pretax return on assets | 1.6216% | 1,303 |
| Return on Equity (ROE) | 9.0773% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,803 |
| Net charge-offs to loans | 0.7477% | 864 |
| Credit loss provision to net charge-offs | 71.0750% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.5893% | 3,353 |
| Efficiency ratio | 60.7659% | 5,368 |
| Assets per employee ($millions) | 3.5083% | 4,832 |
| Cash dividends to net income (ytd only)* | 40.3966% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 2,107 |
| Loan loss allowance to noncurrent loans | 72.4604% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.6891% | 1,006 |
| Noncurrent loans to loans | 2.6269% | 1,742 |
| Net loans and leases to total assets | 71.1755% | 1,696 |
| Net loans and leases to deposits | 90.5238% | 1,094 |
| Net loans and leases to core deposits | 94.0472% | 1,516 |
| Total domestic deposits to total assets | 78.6263% | 5,867 |
| Equity capital to assets | 12.6160% | 1,510 |
| Core capital (leverage) ratio | 12.6420% | 1,306 |
| Tier 1 risk-based capital ratio | 17.2825% | 2,597 |
| Total risk-based capital ratio | 18.5404% | 2,565 |
| Memoranda: | ||
| Average total assets | $485,680,330 | 1,372 |
| Average earning assets | $449,520,000 | 1,358 |
| Average equity | $59,995,670 | 1,216 |
| Average total loans | $345,850,330 | 1,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 745 |
| Cost of funding earning assets | 0.7002% | 2,202 |
| Net interest margin | 4.3963% | 812 |
| Noninterest income to average assets | 0.6915% | 2,639 |
| Noninterest expense to average assets | 2.9220% | 3,260 |
| Loan and lease loss provision to assets | 0.5507% | 479 |
| Net operating income to assets | 0.9054% | 2,624 |
| Return on assets (ROA) | 0.9794% | 2,451 |
| Pretax return on assets | 1.3902% | 1,890 |
| Return on Equity (ROE) | 8.0109% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.3514% | 3,626 |
| Net charge-offs to loans | 1.2589% | 454 |
| Credit loss provision to net charge-offs | 61.9963% | 2,415 |
| Earnings coverage of net charge-offs (x) | 2.0659% | 3,143 |
| Efficiency ratio | 61.4227% | 5,387 |
| Assets per employee ($millions) | 3.6563% | 4,657 |
| Cash dividends to net income (ytd only)* | 45.6811% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,363 |
| Loan loss allowance to noncurrent loans | 69.5485% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.6850% | 1,130 |
| Noncurrent loans to loans | 2.7051% | 1,891 |
| Net loans and leases to total assets | 69.1910% | 1,803 |
| Net loans and leases to deposits | 89.2761% | 1,025 |
| Net loans and leases to core deposits | 92.7810% | 1,432 |
| Total domestic deposits to total assets | 77.5023% | 6,191 |
| Equity capital to assets | 12.2932% | 1,839 |
| Core capital (leverage) ratio | 12.1242% | 1,501 |
| Tier 1 risk-based capital ratio | 16.8420% | 2,837 |
| Total risk-based capital ratio | 18.0994% | 2,799 |
| Memoranda: | ||
| Average total assets | $491,713,500 | 1,373 |
| Average earning assets | $454,746,500 | 1,353 |
| Average equity | $60,118,000 | 1,223 |
| Average total loans | $346,956,500 | 1,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 933 |
| Cost of funding earning assets | 0.9142% | 1,853 |
| Net interest margin | 4.3821% | 1,199 |
| Noninterest income to average assets | 0.5359% | 3,676 |
| Noninterest expense to average assets | 2.8813% | 3,714 |
| Loan and lease loss provision to assets | 0.3517% | 1,899 |
| Net operating income to assets | 0.9916% | 2,375 |
| Return on assets (ROA) | 1.1299% | 2,009 |
| Pretax return on assets | 1.5304% | 1,594 |
| Return on Equity (ROE) | 9.7693% | 2,278 |
| Retained earnings to average equity (ytd only) | 6.6805% | 1,730 |
| Net charge-offs to loans | 0.5064% | 2,218 |
| Credit loss provision to net charge-offs | 100.7391% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.8556% | 3,227 |
| Efficiency ratio | 62.9586% | 5,086 |
| Assets per employee ($millions) | 3.6286% | 4,712 |
| Cash dividends to net income (ytd only)* | 31.6178% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9847% | 2,054 |
| Loan loss allowance to noncurrent loans | 76.4004% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 3.5504% | 1,269 |
| Noncurrent loans to loans | 2.5977% | 2,036 |
| Net loans and leases to total assets | 69.2022% | 1,994 |
| Net loans and leases to deposits | 89.9048% | 1,082 |
| Net loans and leases to core deposits | 94.1745% | 1,454 |
| Total domestic deposits to total assets | 76.9727% | 6,229 |
| Equity capital to assets | 12.1597% | 1,937 |
| Core capital (leverage) ratio | 11.9425% | 1,600 |
| Tier 1 risk-based capital ratio | 16.6906% | 2,796 |
| Total risk-based capital ratio | 17.9496% | 2,765 |
| Memoranda: | ||
| Average total assets | $503,840,000 | 1,321 |
| Average earning assets | $464,572,200 | 1,311 |
| Average equity | $58,274,200 | 1,217 |
| Average total loans | $347,356,600 | 1,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 881 |
| Cost of funding earning assets | 0.9436% | 1,884 |
| Net interest margin | 4.4294% | 1,143 |
| Noninterest income to average assets | 0.4876% | 4,003 |
| Noninterest expense to average assets | 2.8668% | 3,726 |
| Loan and lease loss provision to assets | 0.3559% | 1,833 |
| Net operating income to assets | 0.9802% | 2,607 |
| Return on assets (ROA) | 1.1305% | 2,178 |
| Pretax return on assets | 1.5528% | 1,715 |
| Return on Equity (ROE) | 9.8982% | 2,397 |
| Retained earnings to average equity (ytd only) | 6.9015% | 2,179 |
| Net charge-offs to loans | 0.5155% | 2,063 |
| Credit loss provision to net charge-offs | 100.7452% | 2,936 |
| Earnings coverage of net charge-offs (x) | 4.8197% | 3,192 |
| Efficiency ratio | 62.7355% | 5,024 |
| Assets per employee ($millions) | 3.6604% | 4,629 |
| Cash dividends to net income (ytd only)* | 30.2748% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 2,188 |
| Loan loss allowance to noncurrent loans | 79.6680% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 3.7990% | 1,295 |
| Noncurrent loans to loans | 2.5009% | 2,295 |
| Net loans and leases to total assets | 68.8036% | 2,149 |
| Net loans and leases to deposits | 91.0386% | 1,048 |
| Net loans and leases to core deposits | 95.6983% | 1,431 |
| Total domestic deposits to total assets | 75.5763% | 6,443 |
| Equity capital to assets | 12.0243% | 2,237 |
| Core capital (leverage) ratio | 11.7039% | 1,839 |
| Tier 1 risk-based capital ratio | 16.6936% | 2,902 |
| Total risk-based capital ratio | 17.9530% | 2,857 |
| Memoranda: | ||
| Average total assets | $506,427,750 | 1,337 |
| Average earning assets | $466,722,750 | 1,323 |
| Average equity | $57,841,000 | 1,228 |
| Average total loans | $347,090,750 | 1,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 905 |
| Cost of funding earning assets | 0.9761% | 1,898 |
| Net interest margin | 4.4056% | 1,184 |
| Noninterest income to average assets | 0.4548% | 4,256 |
| Noninterest expense to average assets | 2.8465% | 3,843 |
| Loan and lease loss provision to assets | 0.3749% | 1,744 |
| Net operating income to assets | 0.8910% | 2,953 |
| Return on assets (ROA) | 1.0824% | 2,334 |
| Pretax return on assets | 1.5706% | 1,637 |
| Return on Equity (ROE) | 9.6415% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.0243% | 2,084 |
| Net charge-offs to loans | 0.5444% | 1,959 |
| Credit loss provision to net charge-offs | 101.2698% | 2,685 |
| Earnings coverage of net charge-offs (x) | 4.5058% | 3,059 |
| Efficiency ratio | 63.0510% | 5,070 |
| Assets per employee ($millions) | 3.6507% | 4,638 |
| Cash dividends to net income (ytd only)* | 27.1444% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 2,245 |
| Loan loss allowance to noncurrent loans | 81.8322% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 3.7030% | 1,409 |
| Noncurrent loans to loans | 2.4383% | 2,465 |
| Net loans and leases to total assets | 68.3986% | 2,214 |
| Net loans and leases to deposits | 91.4716% | 1,005 |
| Net loans and leases to core deposits | 97.8465% | 1,289 |
| Total domestic deposits to total assets | 74.7757% | 6,605 |
| Equity capital to assets | 11.7459% | 2,371 |
| Core capital (leverage) ratio | 11.3860% | 1,980 |
| Tier 1 risk-based capital ratio | 16.3715% | 2,972 |
| Total risk-based capital ratio | 17.6305% | 2,936 |
| Memoranda: | ||
| Average total assets | $510,517,330 | 1,325 |
| Average earning assets | $470,442,670 | 1,315 |
| Average equity | $57,315,000 | 1,240 |
| Average total loans | $347,150,670 | 1,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 1,004 |
| Cost of funding earning assets | 1.0450% | 1,712 |
| Net interest margin | 4.3074% | 1,448 |
| Noninterest income to average assets | 0.4460% | 4,320 |
| Noninterest expense to average assets | 2.9494% | 3,443 |
| Loan and lease loss provision to assets | 0.5032% | 1,206 |
| Net operating income to assets | 0.6873% | 3,945 |
| Return on assets (ROA) | 0.8618% | 3,331 |
| Pretax return on assets | 1.2088% | 2,881 |
| Return on Equity (ROE) | 7.8502% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.8502% | 2,035 |
| Net charge-offs to loans | 0.7460% | 1,366 |
| Credit loss provision to net charge-offs | 100.4630% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.9275% | 3,010 |
| Efficiency ratio | 66.7950% | 4,400 |
| Assets per employee ($millions) | 3.8908% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 2,380 |
| Loan loss allowance to noncurrent loans | 72.4174% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 3.6381% | 1,560 |
| Noncurrent loans to loans | 2.7523% | 2,364 |
| Net loans and leases to total assets | 65.6137% | 2,542 |
| Net loans and leases to deposits | 88.0009% | 1,164 |
| Net loans and leases to core deposits | 94.7633% | 1,393 |
| Total domestic deposits to total assets | 74.5603% | 6,693 |
| Equity capital to assets | 11.0491% | 2,847 |
| Core capital (leverage) ratio | 10.7813% | 2,461 |
| Tier 1 risk-based capital ratio | 16.1151% | 3,115 |
| Total risk-based capital ratio | 17.3741% | 3,079 |
| Memoranda: | ||
| Average total assets | $517,531,000 | 1,314 |
| Average earning assets | $476,946,500 | 1,304 |
| Average equity | $56,814,000 | 1,251 |
| Average total loans | $347,473,000 | 1,211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 843 |
| Cost of funding earning assets | 1.4942% | 737 |
| Net interest margin | 4.1684% | 2,166 |
| Noninterest income to average assets | 0.2955% | 5,416 |
| Noninterest expense to average assets | 2.5559% | 5,263 |
| Loan and lease loss provision to assets | 0.4859% | 2,176 |
| Net operating income to assets | 0.7713% | 3,173 |
| Return on assets (ROA) | 0.8109% | 3,159 |
| Pretax return on assets | 1.1331% | 2,717 |
| Return on Equity (ROE) | 7.9560% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.0971% | 1,960 |
| Net charge-offs to loans | 0.7610% | 2,252 |
| Credit loss provision to net charge-offs | 93.5108% | 3,854 |
| Earnings coverage of net charge-offs (x) | 3.0098% | 3,703 |
| Efficiency ratio | 62.0361% | 5,455 |
| Assets per employee ($millions) | 3.8626% | 4,176 |
| Cash dividends to net income (ytd only)* | 23.3645% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 2,342 |
| Loan loss allowance to noncurrent loans | 54.5009% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 4.3901% | 1,259 |
| Noncurrent loans to loans | 3.6338% | 1,750 |
| Net loans and leases to total assets | 65.9994% | 2,783 |
| Net loans and leases to deposits | 88.9655% | 1,271 |
| Net loans and leases to core deposits | 95.9355% | 1,497 |
| Total domestic deposits to total assets | 74.1854% | 6,696 |
| Equity capital to assets | 10.9067% | 3,070 |
| Core capital (leverage) ratio | 10.5308% | 2,686 |
| Tier 1 risk-based capital ratio | 15.6806% | 3,222 |
| Total risk-based capital ratio | 16.9390% | 3,176 |
| Memoranda: | ||
| Average total assets | $527,836,200 | 1,269 |
| Average earning assets | $484,280,800 | 1,260 |
| Average equity | $53,796,000 | 1,263 |
| Average total loans | $360,435,400 | 1,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 852 |
| Cost of funding earning assets | 1.6128% | 548 |
| Net interest margin | 4.0872% | 2,523 |
| Noninterest income to average assets | 0.2562% | 5,792 |
| Noninterest expense to average assets | 2.5253% | 5,373 |
| Loan and lease loss provision to assets | 0.2426% | 3,578 |
| Net operating income to assets | 0.8624% | 2,901 |
| Return on assets (ROA) | 0.8856% | 2,952 |
| Pretax return on assets | 1.2679% | 2,408 |
| Return on Equity (ROE) | 8.8407% | 2,682 |
| Retained earnings to average equity (ytd only) | 6.3313% | 2,343 |
| Net charge-offs to loans | 0.3716% | 3,236 |
| Credit loss provision to net charge-offs | 95.2616% | 3,595 |
| Earnings coverage of net charge-offs (x) | 5.8016% | 2,693 |
| Efficiency ratio | 63.0911% | 5,221 |
| Assets per employee ($millions) | 3.8888% | 4,097 |
| Cash dividends to net income (ytd only)* | 28.3849% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 2,430 |
| Loan loss allowance to noncurrent loans | 52.3565% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 4.5746% | 1,304 |
| Noncurrent loans to loans | 3.7557% | 1,809 |
| Net loans and leases to total assets | 67.2786% | 2,617 |
| Net loans and leases to deposits | 91.4402% | 1,057 |
| Net loans and leases to core deposits | 99.7519% | 1,265 |
| Total domestic deposits to total assets | 73.5767% | 6,806 |
| Equity capital to assets | 10.7279% | 3,444 |
| Core capital (leverage) ratio | 10.2817% | 3,101 |
| Tier 1 risk-based capital ratio | 15.1861% | 3,556 |
| Total risk-based capital ratio | 16.4452% | 3,514 |
| Memoranda: | ||
| Average total assets | $530,397,500 | 1,262 |
| Average earning assets | $486,186,250 | 1,260 |
| Average equity | $53,132,000 | 1,283 |
| Average total loans | $363,417,000 | 1,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 896 |
| Cost of funding earning assets | 1.7127% | 447 |
| Net interest margin | 3.9741% | 2,970 |
| Noninterest income to average assets | 0.2302% | 6,010 |
| Noninterest expense to average assets | 2.5005% | 5,535 |
| Loan and lease loss provision to assets | 0.2680% | 3,253 |
| Net operating income to assets | 0.7897% | 3,119 |
| Return on assets (ROA) | 0.8045% | 3,179 |
| Pretax return on assets | 1.1209% | 2,768 |
| Return on Equity (ROE) | 8.2209% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.3055% | 2,241 |
| Net charge-offs to loans | 0.4259% | 2,860 |
| Credit loss provision to net charge-offs | 91.9023% | 3,405 |
| Earnings coverage of net charge-offs (x) | 4.6915% | 2,801 |
| Efficiency ratio | 64.6318% | 5,122 |
| Assets per employee ($millions) | 3.9351% | 3,908 |
| Cash dividends to net income (ytd only)* | 23.2992% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,506 |
| Loan loss allowance to noncurrent loans | 54.0684% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 4.5122% | 1,390 |
| Noncurrent loans to loans | 3.6097% | 1,949 |
| Net loans and leases to total assets | 66.8535% | 2,850 |
| Net loans and leases to deposits | 90.2088% | 1,247 |
| Net loans and leases to core deposits | 99.1919% | 1,418 |
| Total domestic deposits to total assets | 74.1097% | 6,829 |
| Equity capital to assets | 10.2482% | 3,821 |
| Core capital (leverage) ratio | 10.0361% | 3,217 |
| Tier 1 risk-based capital ratio | 14.7465% | 3,649 |
| Total risk-based capital ratio | 16.0043% | 3,609 |
| Memoranda: | ||
| Average total assets | $533,496,670 | 1,253 |
| Average earning assets | $488,458,670 | 1,254 |
| Average equity | $52,208,330 | 1,288 |
| Average total loans | $365,349,000 | 1,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 910 |
| Cost of funding earning assets | 1.7993% | 378 |
| Net interest margin | 3.8848% | 3,220 |
| Noninterest income to average assets | 0.2214% | 6,150 |
| Noninterest expense to average assets | 2.4540% | 5,728 |
| Loan and lease loss provision to assets | 0.3317% | 2,571 |
| Net operating income to assets | 0.7210% | 3,429 |
| Return on assets (ROA) | 0.7276% | 3,455 |
| Pretax return on assets | 0.9952% | 3,145 |
| Return on Equity (ROE) | 7.6112% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.7120% | 3,946 |
| Net charge-offs to loans | 0.4692% | 2,296 |
| Credit loss provision to net charge-offs | 103.0093% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.0926% | 2,561 |
| Efficiency ratio | 65.0593% | 5,182 |
| Assets per employee ($millions) | 4.1009% | 3,638 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,564 |
| Loan loss allowance to noncurrent loans | 64.4701% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 4.5072% | 1,445 |
| Noncurrent loans to loans | 3.0110% | 2,501 |
| Net loans and leases to total assets | 67.2089% | 2,708 |
| Net loans and leases to deposits | 91.0624% | 1,115 |
| Net loans and leases to core deposits | 100.2841% | 1,318 |
| Total domestic deposits to total assets | 73.8053% | 6,923 |
| Equity capital to assets | 9.6711% | 4,219 |
| Core capital (leverage) ratio | 9.6516% | 3,590 |
| Tier 1 risk-based capital ratio | 14.0939% | 4,010 |
| Total risk-based capital ratio | 15.3522% | 3,978 |
| Memoranda: | ||
| Average total assets | $536,594,500 | 1,254 |
| Average earning assets | $490,418,500 | 1,251 |
| Average equity | $51,293,000 | 1,301 |
| Average total loans | $368,255,500 | 1,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 1,634 |
| Cost of funding earning assets | 2.1185% | 398 |
| Net interest margin | 3.5636% | 4,985 |
| Noninterest income to average assets | 0.5657% | 3,708 |
| Noninterest expense to average assets | 2.4700% | 5,891 |
| Loan and lease loss provision to assets | 0.6605% | 2,498 |
| Net operating income to assets | 0.5569% | 3,863 |
| Return on assets (ROA) | 0.6941% | 3,383 |
| Pretax return on assets | 0.8516% | 3,468 |
| Return on Equity (ROE) | 7.6740% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.8782% | 1,896 |
| Net charge-offs to loans | 1.1628% | 1,922 |
| Credit loss provision to net charge-offs | 80.4749% | 5,552 |
| Earnings coverage of net charge-offs (x) | 1.6385% | 4,510 |
| Efficiency ratio | 64.7476% | 5,210 |
| Assets per employee ($millions) | 4.1226% | 3,529 |
| Cash dividends to net income (ytd only)* | 23.4009% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 2,543 |
| Loan loss allowance to noncurrent loans | 60.4870% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 4.8924% | 1,320 |
| Noncurrent loans to loans | 3.1540% | 2,414 |
| Net loans and leases to total assets | 67.4051% | 3,123 |
| Net loans and leases to deposits | 90.8483% | 1,417 |
| Net loans and leases to core deposits | 101.1414% | 1,524 |
| Total domestic deposits to total assets | 74.1952% | 6,867 |
| Equity capital to assets | 9.4483% | 4,468 |
| Core capital (leverage) ratio | 9.3796% | 3,882 |
| Tier 1 risk-based capital ratio | 13.6243% | 4,115 |
| Total risk-based capital ratio | 14.8822% | 4,081 |
| Memoranda: | ||
| Average total assets | $554,136,400 | 1,213 |
| Average earning assets | $505,220,800 | 1,217 |
| Average equity | $50,117,400 | 1,333 |
| Average total loans | $391,114,400 | 1,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6339% | 1,931 |
| Cost of funding earning assets | 2.1596% | 434 |
| Net interest margin | 3.4743% | 5,397 |
| Noninterest income to average assets | 0.5521% | 3,773 |
| Noninterest expense to average assets | 2.4481% | 5,893 |
| Loan and lease loss provision to assets | 0.6671% | 2,295 |
| Net operating income to assets | 0.4618% | 4,481 |
| Return on assets (ROA) | 0.6039% | 4,021 |
| Pretax return on assets | 0.7907% | 3,948 |
| Return on Equity (ROE) | 6.7507% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.3455% | 3,434 |
| Net charge-offs to loans | 1.2434% | 1,639 |
| Credit loss provision to net charge-offs | 75.5279% | 5,266 |
| Earnings coverage of net charge-offs (x) | 1.4388% | 4,648 |
| Efficiency ratio | 65.8287% | 4,899 |
| Assets per employee ($millions) | 4.0952% | 3,645 |
| Cash dividends to net income (ytd only)* | 35.6294% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 2,613 |
| Loan loss allowance to noncurrent loans | 42.3806% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 5.5824% | 1,099 |
| Noncurrent loans to loans | 4.3764% | 1,662 |
| Net loans and leases to total assets | 68.1170% | 3,182 |
| Net loans and leases to deposits | 92.6176% | 1,372 |
| Net loans and leases to core deposits | 102.6159% | 1,588 |
| Total domestic deposits to total assets | 73.5465% | 6,982 |
| Equity capital to assets | 9.3689% | 5,029 |
| Core capital (leverage) ratio | 9.1002% | 4,531 |
| Tier 1 risk-based capital ratio | 12.9217% | 4,638 |
| Total risk-based capital ratio | 14.1787% | 4,613 |
| Memoranda: | ||
| Average total assets | $557,654,000 | 1,212 |
| Average earning assets | $508,289,500 | 1,222 |
| Average equity | $49,890,000 | 1,344 |
| Average total loans | $396,115,000 | 1,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 2,331 |
| Cost of funding earning assets | 2.1874% | 483 |
| Net interest margin | 3.3620% | 5,789 |
| Noninterest income to average assets | 0.5547% | 3,668 |
| Noninterest expense to average assets | 2.4673% | 5,851 |
| Loan and lease loss provision to assets | 0.6297% | 2,275 |
| Net operating income to assets | 0.3930% | 4,783 |
| Return on assets (ROA) | 0.5176% | 4,407 |
| Pretax return on assets | 0.6935% | 4,262 |
| Return on Equity (ROE) | 5.8766% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.2566% | 3,369 |
| Net charge-offs to loans | 1.3390% | 1,416 |
| Credit loss provision to net charge-offs | 65.7111% | 5,083 |
| Earnings coverage of net charge-offs (x) | 1.2074% | 4,597 |
| Efficiency ratio | 68.0776% | 4,568 |
| Assets per employee ($millions) | 4.0435% | 3,686 |
| Cash dividends to net income (ytd only)* | 27.5672% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,670 |
| Loan loss allowance to noncurrent loans | 33.8994% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 6.2532% | 919 |
| Noncurrent loans to loans | 5.3627% | 1,242 |
| Net loans and leases to total assets | 68.7046% | 3,193 |
| Net loans and leases to deposits | 93.9537% | 1,280 |
| Net loans and leases to core deposits | 104.0719% | 1,627 |
| Total domestic deposits to total assets | 73.1260% | 7,082 |
| Equity capital to assets | 9.0934% | 5,304 |
| Core capital (leverage) ratio | 8.8185% | 4,884 |
| Tier 1 risk-based capital ratio | 12.5102% | 4,852 |
| Total risk-based capital ratio | 13.7676% | 4,818 |
| Memoranda: | ||
| Average total assets | $560,618,670 | 1,214 |
| Average earning assets | $511,831,330 | 1,210 |
| Average equity | $49,382,330 | 1,353 |
| Average total loans | $401,199,000 | 1,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 3,171 |
| Cost of funding earning assets | 2.2196% | 555 |
| Net interest margin | 3.1542% | 6,437 |
| Noninterest income to average assets | 0.3837% | 5,058 |
| Noninterest expense to average assets | 2.4917% | 5,754 |
| Loan and lease loss provision to assets | 0.9221% | 1,377 |
| Net operating income to assets | -0.0138% | 6,321 |
| Return on assets (ROA) | 0.0511% | 6,264 |
| Pretax return on assets | -0.0489% | 6,410 |
| Return on Equity (ROE) | 0.5891% | 6,241 |
| Retained earnings to average equity (ytd only) | -2.6838% | 6,321 |
| Net charge-offs to loans | 2.2217% | 766 |
| Credit loss provision to net charge-offs | 57.3698% | 4,353 |
| Earnings coverage of net charge-offs (x) | 0.4801% | 4,595 |
| Efficiency ratio | 76.3530% | 3,158 |
| Assets per employee ($millions) | 3.7660% | 4,392 |
| Cash dividends to net income (ytd only)* | 555.5556% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 2,994 |
| Loan loss allowance to noncurrent loans | 28.8136% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 6.3075% | 922 |
| Noncurrent loans to loans | 5.9642% | 1,104 |
| Net loans and leases to total assets | 70.4176% | 2,821 |
| Net loans and leases to deposits | 95.1395% | 1,210 |
| Net loans and leases to core deposits | 107.6277% | 1,451 |
| Total domestic deposits to total assets | 74.0152% | 7,047 |
| Equity capital to assets | 8.5619% | 5,923 |
| Core capital (leverage) ratio | 8.6156% | 5,185 |
| Tier 1 risk-based capital ratio | 11.5292% | 5,650 |
| Total risk-based capital ratio | 12.7846% | 5,619 |
| Memoranda: | ||
| Average total assets | $563,948,000 | 1,235 |
| Average earning assets | $514,865,000 | 1,233 |
| Average equity | $48,886,500 | 1,370 |
| Average total loans | $407,977,000 | 1,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,043 |
| Cost of funding earning assets | 2.6633% | 645 |
| Net interest margin | 3.2898% | 5,784 |
| Noninterest income to average assets | 0.5684% | 3,877 |
| Noninterest expense to average assets | 2.4890% | 6,175 |
| Loan and lease loss provision to assets | 1.1397% | 1,999 |
| Net operating income to assets | 0.0502% | 5,337 |
| Return on assets (ROA) | 0.1279% | 5,177 |
| Pretax return on assets | 0.0758% | 5,266 |
| Return on Equity (ROE) | 1.5350% | 5,072 |
| Retained earnings to average equity (ytd only) | -0.7972% | 5,203 |
| Net charge-offs to loans | 0.8401% | 2,730 |
| Credit loss provision to net charge-offs | 184.7079% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.8439% | 4,341 |
| Efficiency ratio | 68.6285% | 4,898 |
| Assets per employee ($millions) | 3.6791% | 4,573 |
| Cash dividends to net income (ytd only)* | 151.9337% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 2,144 |
| Loan loss allowance to noncurrent loans | 62.5776% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.8464% | 1,731 |
| Noncurrent loans to loans | 3.1170% | 2,458 |
| Net loans and leases to total assets | 71.6240% | 2,852 |
| Net loans and leases to deposits | 97.7497% | 1,131 |
| Net loans and leases to core deposits | 124.8379% | 1,584 |
| Total domestic deposits to total assets | 73.2729% | 7,121 |
| Equity capital to assets | 8.7771% | 5,473 |
| Core capital (leverage) ratio | 8.5541% | 5,184 |
| Tier 1 risk-based capital ratio | 11.8594% | 5,066 |
| Total risk-based capital ratio | 13.1181% | 5,027 |
| Memoranda: | ||
| Average total assets | $565,928,400 | 1,226 |
| Average earning assets | $526,108,600 | 1,208 |
| Average equity | $47,167,000 | 1,427 |
| Average total loans | $415,679,600 | 1,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9299% | 2,319 |
| Cost of funding earning assets | 2.7318% | 722 |
| Net interest margin | 3.1981% | 6,029 |
| Noninterest income to average assets | 0.6060% | 3,652 |
| Noninterest expense to average assets | 2.4824% | 6,132 |
| Loan and lease loss provision to assets | 0.5990% | 2,993 |
| Net operating income to assets | 0.3694% | 4,519 |
| Return on assets (ROA) | 0.3953% | 4,516 |
| Pretax return on assets | 0.5410% | 4,400 |
| Return on Equity (ROE) | 4.8063% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.6649% | 4,380 |
| Net charge-offs to loans | 0.8460% | 2,271 |
| Credit loss provision to net charge-offs | 96.2627% | 5,294 |
| Earnings coverage of net charge-offs (x) | 1.7750% | 4,465 |
| Efficiency ratio | 69.2076% | 4,743 |
| Assets per employee ($millions) | 3.7355% | 4,346 |
| Cash dividends to net income (ytd only)* | 65.3596% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 5,027 |
| Loan loss allowance to noncurrent loans | 49.5110% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 3.1090% | 2,203 |
| Noncurrent loans to loans | 2.4553% | 3,071 |
| Net loans and leases to total assets | 70.7484% | 3,326 |
| Net loans and leases to deposits | 98.1799% | 1,307 |
| Net loans and leases to core deposits | 125.3608% | 1,783 |
| Total domestic deposits to total assets | 72.0599% | 7,203 |
| Equity capital to assets | 8.9329% | 5,589 |
| Core capital (leverage) ratio | 8.6233% | 5,274 |
| Tier 1 risk-based capital ratio | 11.9954% | 4,986 |
| Total risk-based capital ratio | 13.2021% | 4,953 |
| Memoranda: | ||
| Average total assets | $567,604,000 | 1,231 |
| Average earning assets | $529,058,500 | 1,213 |
| Average equity | $46,687,750 | 1,463 |
| Average total loans | $417,472,500 | 1,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8880% | 2,642 |
| Cost of funding earning assets | 2.8350% | 720 |
| Net interest margin | 3.0530% | 6,389 |
| Noninterest income to average assets | 0.5204% | 4,271 |
| Noninterest expense to average assets | 2.3809% | 6,521 |
| Loan and lease loss provision to assets | 0.5450% | 2,843 |
| Net operating income to assets | 0.3146% | 4,828 |
| Return on assets (ROA) | 0.3281% | 4,891 |
| Pretax return on assets | 0.4596% | 4,751 |
| Return on Equity (ROE) | 4.1052% | 4,452 |
| Retained earnings to average equity (ytd only) | 0.5852% | 4,959 |
| Net charge-offs to loans | 0.8783% | 1,937 |
| Credit loss provision to net charge-offs | 83.6481% | 5,097 |
| Earnings coverage of net charge-offs (x) | 1.5127% | 4,400 |
| Efficiency ratio | 70.7228% | 4,638 |
| Assets per employee ($millions) | 3.6523% | 4,449 |
| Cash dividends to net income (ytd only)* | 85.7449% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,316 |
| Loan loss allowance to noncurrent loans | 53.6655% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.0278% | 2,094 |
| Noncurrent loans to loans | 2.1292% | 3,335 |
| Net loans and leases to total assets | 71.4757% | 3,356 |
| Net loans and leases to deposits | 99.2433% | 1,363 |
| Net loans and leases to core deposits | 125.2678% | 1,928 |
| Total domestic deposits to total assets | 72.0207% | 7,241 |
| Equity capital to assets | 8.5629% | 5,953 |
| Core capital (leverage) ratio | 8.2785% | 5,843 |
| Tier 1 risk-based capital ratio | 11.6932% | 5,202 |
| Total risk-based capital ratio | 12.8382% | 5,228 |
| Memoranda: | ||
| Average total assets | $568,784,000 | 1,246 |
| Average earning assets | $530,232,670 | 1,223 |
| Average equity | $45,454,670 | 1,514 |
| Average total loans | $421,971,000 | 1,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 2,772 |
| Cost of funding earning assets | 2.8952% | 780 |
| Net interest margin | 3.0090% | 6,459 |
| Noninterest income to average assets | 0.5483% | 3,934 |
| Noninterest expense to average assets | 2.3467% | 6,381 |
| Loan and lease loss provision to assets | 0.5279% | 2,358 |
| Net operating income to assets | 0.3452% | 5,088 |
| Return on assets (ROA) | 0.3597% | 5,205 |
| Pretax return on assets | 0.5047% | 5,066 |
| Return on Equity (ROE) | 4.6679% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.9275% | 4,778 |
| Net charge-offs to loans | 0.6614% | 1,859 |
| Credit loss provision to net charge-offs | 106.2323% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.0368% | 3,703 |
| Efficiency ratio | 69.8659% | 4,612 |
| Assets per employee ($millions) | 3.6783% | 4,382 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 4,823 |
| Loan loss allowance to noncurrent loans | 40.1909% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 3.1348% | 1,791 |
| Noncurrent loans to loans | 2.9793% | 2,194 |
| Net loans and leases to total assets | 72.6758% | 3,076 |
| Net loans and leases to deposits | 99.8968% | 1,424 |
| Net loans and leases to core deposits | 125.4128% | 1,962 |
| Total domestic deposits to total assets | 72.7509% | 7,091 |
| Equity capital to assets | 7.6827% | 7,194 |
| Core capital (leverage) ratio | 7.6332% | 6,980 |
| Tier 1 risk-based capital ratio | 10.2743% | 6,616 |
| Total risk-based capital ratio | 11.4777% | 6,598 |
| Memoranda: | ||
| Average total assets | $568,297,500 | 1,251 |
| Average earning assets | $530,812,000 | 1,220 |
| Average equity | $43,788,000 | 1,554 |
| Average total loans | $426,984,000 | 1,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0126% | 1,106 |
| Cost of funding earning assets | 3.1605% | 1,316 |
| Net interest margin | 3.8521% | 3,787 |
| Noninterest income to average assets | 0.9566% | 1,738 |
| Noninterest expense to average assets | 2.6803% | 5,339 |
| Loan and lease loss provision to assets | 0.8604% | 1,737 |
| Net operating income to assets | 0.6939% | 3,920 |
| Return on assets (ROA) | 0.6986% | 3,733 |
| Pretax return on assets | 1.0155% | 3,328 |
| Return on Equity (ROE) | 9.3253% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.3253% | 550 |
| Net charge-offs to loans | 0.6574% | 1,889 |
| Credit loss provision to net charge-offs | 162.8319% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.5370% | 4,323 |
| Efficiency ratio | 58.9162% | 6,539 |
| Assets per employee ($millions) | 3.7771% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,847 |
| Loan loss allowance to noncurrent loans | 42.4181% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 2.9985% | 1,531 |
| Noncurrent loans to loans | 2.7347% | 1,982 |
| Net loans and leases to total assets | 75.8519% | 2,664 |
| Net loans and leases to deposits | 104.9732% | 1,236 |
| Net loans and leases to core deposits | 130.9818% | 1,783 |
| Total domestic deposits to total assets | 72.2584% | 6,953 |
| Equity capital to assets | 7.7280% | 7,174 |
| Core capital (leverage) ratio | 7.6922% | 6,951 |
| Tier 1 risk-based capital ratio | 10.1229% | 6,607 |
| Total risk-based capital ratio | 11.3040% | 6,558 |
| Memoranda: | ||
| Average total assets | $534,608,200 | 1,271 |
| Average earning assets | $498,616,000 | 1,238 |
| Average equity | $40,052,200 | 1,680 |
| Average total loans | $429,731,000 | 1,118 |