| 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 | 3.3675% | 5,092 |
| Cost of funding earning assets | 0.1596% | 5,419 |
| Net interest margin | 3.2079% | 4,471 |
| Noninterest income to average assets | 0.7721% | 1,874 |
| Noninterest expense to average assets | 2.9514% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6213% | 4,204 |
| Return on assets (ROA) | 0.6293% | 4,292 |
| Pretax return on assets | 0.8091% | 4,281 |
| Return on Equity (ROE) | 6.7491% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.4935% | 4,425 |
| Net charge-offs to loans | 0.3073% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.8948% | 3,203 |
| Efficiency ratio | 78.6972% | 1,596 |
| Assets per employee ($millions) | 3.3453% | 4,988 |
| Cash dividends to net income (ytd only)* | 63.0546% | 1,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9055% | 4,848 |
| Loan loss allowance to noncurrent loans | 122.3340% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 3,857 |
| Noncurrent loans to loans | 0.7402% | 2,821 |
| Net loans and leases to total assets | 52.3432% | 4,629 |
| Net loans and leases to deposits | 58.5522% | 4,844 |
| Net loans and leases to core deposits | 59.3971% | 4,970 |
| Total domestic deposits to total assets | 89.3959% | 725 |
| Equity capital to assets | 9.2507% | 4,920 |
| Core capital (leverage) ratio | 8.9274% | 4,909 |
| Tier 1 risk-based capital ratio | 15.5181% | 2,824 |
| Total risk-based capital ratio | 16.3652% | 2,927 |
| Memoranda: |
| Average total assets | $248,330,250 | 2,530 |
| Average earning assets | $230,548,000 | 2,520 |
| Average equity | $23,153,250 | 2,899 |
| Average total loans | $131,878,750 | 2,903 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3882% | 5,109 |
| Cost of funding earning assets | 0.1620% | 5,476 |
| Net interest margin | 3.2262% | 4,462 |
| Noninterest income to average assets | 0.8061% | 1,687 |
| Noninterest expense to average assets | 2.9510% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6438% | 4,078 |
| Return on assets (ROA) | 0.6722% | 4,088 |
| Pretax return on assets | 0.8833% | 4,015 |
| Return on Equity (ROE) | 7.1902% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.4287% | 3,096 |
| Net charge-offs to loans | 0.1251% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.7073% | 2,170 |
| Efficiency ratio | 77.7208% | 1,834 |
| Assets per employee ($millions) | 3.2422% | 5,149 |
| Cash dividends to net income (ytd only)* | 38.4058% | 2,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1028% | 3,931 |
| Loan loss allowance to noncurrent loans | 270.3008% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 4,635 |
| Noncurrent loans to loans | 0.4080% | 3,893 |
| Net loans and leases to total assets | 52.3331% | 4,639 |
| Net loans and leases to deposits | 58.7822% | 4,862 |
| Net loans and leases to core deposits | 59.6600% | 4,995 |
| Total domestic deposits to total assets | 89.0289% | 904 |
| Equity capital to assets | 9.6149% | 4,652 |
| Core capital (leverage) ratio | 9.0473% | 4,771 |
| Tier 1 risk-based capital ratio | 16.9688% | 2,233 |
| Total risk-based capital ratio | 18.0579% | 2,252 |
| Memoranda: |
| Average total assets | $246,360,000 | 2,563 |
| Average earning assets | $228,382,000 | 2,551 |
| Average equity | $23,031,330 | 2,920 |
| Average total loans | $131,073,670 | 2,919 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3924% | 5,146 |
| Cost of funding earning assets | 0.1646% | 5,511 |
| Net interest margin | 3.2278% | 4,479 |
| Noninterest income to average assets | 0.7729% | 1,719 |
| Noninterest expense to average assets | 3.0463% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5294% | 4,508 |
| Return on assets (ROA) | 0.5294% | 4,617 |
| Pretax return on assets | 0.7193% | 4,453 |
| Return on Equity (ROE) | 5.7442% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.7973% | 4,546 |
| Net charge-offs to loans | 0.2313% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.8289% | 2,291 |
| Efficiency ratio | 80.8969% | 1,497 |
| Assets per employee ($millions) | 3.2978% | 5,130 |
| Cash dividends to net income (ytd only)* | 68.7117% | 1,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1010% | 4,038 |
| Loan loss allowance to noncurrent loans | 472.2222% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 5,078 |
| Noncurrent loans to loans | 0.2332% | 4,598 |
| Net loans and leases to total assets | 52.4772% | 4,583 |
| Net loans and leases to deposits | 58.7600% | 4,797 |
| Net loans and leases to core deposits | 59.6301% | 4,965 |
| Total domestic deposits to total assets | 89.3077% | 941 |
| Equity capital to assets | 9.2732% | 4,915 |
| Core capital (leverage) ratio | 8.8694% | 5,000 |
| Tier 1 risk-based capital ratio | 16.4141% | 2,512 |
| Total risk-based capital ratio | 17.5013% | 2,530 |
| Memoranda: |
| Average total assets | $246,335,000 | 2,565 |
| Average earning assets | $228,391,000 | 2,567 |
| Average equity | $22,701,000 | 2,955 |
| Average total loans | $131,414,500 | 2,911 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3805% | 5,205 |
| Cost of funding earning assets | 0.1791% | 5,467 |
| Net interest margin | 3.2015% | 4,625 |
| Noninterest income to average assets | 0.8878% | 1,473 |
| Noninterest expense to average assets | 3.1080% | 2,213 |
| Loan and lease loss provision to assets | -0.1252% | 5,890 |
| Net operating income to assets | 0.6413% | 4,077 |
| Return on assets (ROA) | 0.6896% | 3,969 |
| Pretax return on assets | 0.9170% | 3,779 |
| Return on Equity (ROE) | 7.5526% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.4233% | 1,584 |
| Net charge-offs to loans | 0.0564% | 3,089 |
| Credit loss provision to net charge-offs | -428.5714% | 5,411 |
| Earnings coverage of net charge-offs (x) | 24.9000% | 1,648 |
| Efficiency ratio | 81.0317% | 1,533 |
| Assets per employee ($millions) | 3.2711% | 5,190 |
| Cash dividends to net income (ytd only)* | 14.9516% | 3,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1551% | 3,727 |
| Loan loss allowance to noncurrent loans | 261.6179% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,547 |
| Noncurrent loans to loans | 0.4415% | 3,887 |
| Net loans and leases to total assets | 53.0171% | 4,600 |
| Net loans and leases to deposits | 59.2956% | 4,827 |
| Net loans and leases to core deposits | 60.1781% | 4,974 |
| Total domestic deposits to total assets | 89.4116% | 908 |
| Equity capital to assets | 9.1573% | 4,960 |
| Core capital (leverage) ratio | 8.8948% | 5,008 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,740 |
| Total risk-based capital ratio | 17.0104% | 2,741 |
| Memoranda: |
| Average total assets | $239,572,800 | 2,582 |
| Average earning assets | $220,587,200 | 2,581 |
| Average equity | $21,873,400 | 2,989 |
| Average total loans | $124,153,400 | 2,985 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3816% | 5,240 |
| Cost of funding earning assets | 0.1821% | 5,529 |
| Net interest margin | 3.1994% | 4,668 |
| Noninterest income to average assets | 0.8634% | 1,571 |
| Noninterest expense to average assets | 3.1427% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5061% | 4,763 |
| Return on assets (ROA) | 0.5717% | 4,608 |
| Pretax return on assets | 0.7480% | 4,502 |
| Return on Equity (ROE) | 6.2660% | 4,018 |
| Retained earnings to average equity (ytd only) | 5.2043% | 2,775 |
| Net charge-offs to loans | 0.0643% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.0351% | 1,895 |
| Efficiency ratio | 82.6049% | 1,315 |
| Assets per employee ($millions) | 3.1707% | 5,343 |
| Cash dividends to net income (ytd only)* | 16.9441% | 3,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4077% | 2,556 |
| Loan loss allowance to noncurrent loans | 354.1586% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,816 |
| Noncurrent loans to loans | 0.3975% | 4,188 |
| Net loans and leases to total assets | 52.5274% | 4,707 |
| Net loans and leases to deposits | 58.6462% | 4,944 |
| Net loans and leases to core deposits | 59.5224% | 5,099 |
| Total domestic deposits to total assets | 89.5667% | 744 |
| Equity capital to assets | 9.0829% | 5,229 |
| Core capital (leverage) ratio | 8.7066% | 5,344 |
| Tier 1 risk-based capital ratio | 16.3229% | 2,664 |
| Total risk-based capital ratio | 17.5789% | 2,605 |
| Memoranda: |
| Average total assets | $238,132,500 | 2,604 |
| Average earning assets | $218,907,750 | 2,612 |
| Average equity | $21,725,250 | 3,019 |
| Average total loans | $122,294,500 | 3,039 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3571% | 5,316 |
| Cost of funding earning assets | 0.1819% | 5,600 |
| Net interest margin | 3.1751% | 4,734 |
| Noninterest income to average assets | 0.8529% | 1,596 |
| Noninterest expense to average assets | 3.1271% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4942% | 4,796 |
| Return on assets (ROA) | 0.5946% | 4,463 |
| Pretax return on assets | 0.7682% | 4,425 |
| Return on Equity (ROE) | 6.5074% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,476 |
| Net charge-offs to loans | 0.1019% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.3443% | 2,212 |
| Efficiency ratio | 83.0596% | 1,362 |
| Assets per employee ($millions) | 3.0455% | 5,540 |
| Cash dividends to net income (ytd only)* | 14.1026% | 3,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4617% | 2,449 |
| Loan loss allowance to noncurrent loans | 337.4539% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 4,635 |
| Noncurrent loans to loans | 0.4332% | 4,183 |
| Net loans and leases to total assets | 51.2465% | 4,822 |
| Net loans and leases to deposits | 58.6098% | 4,948 |
| Net loans and leases to core deposits | 59.5185% | 5,103 |
| Total domestic deposits to total assets | 87.4367% | 1,940 |
| Equity capital to assets | 9.0358% | 5,203 |
| Core capital (leverage) ratio | 8.6868% | 5,335 |
| Tier 1 risk-based capital ratio | 16.5919% | 2,571 |
| Total risk-based capital ratio | 17.8490% | 2,522 |
| Memoranda: |
| Average total assets | $236,129,670 | 2,647 |
| Average earning assets | $216,559,000 | 2,652 |
| Average equity | $21,575,330 | 3,044 |
| Average total loans | $119,702,000 | 3,087 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3316% | 5,368 |
| Cost of funding earning assets | 0.1873% | 5,626 |
| Net interest margin | 3.1443% | 4,804 |
| Noninterest income to average assets | 0.7679% | 1,833 |
| Noninterest expense to average assets | 3.1262% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3941% | 5,087 |
| Return on assets (ROA) | 0.5968% | 4,400 |
| Pretax return on assets | 0.7764% | 4,329 |
| Return on Equity (ROE) | 6.4951% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.0299% | 2,486 |
| Net charge-offs to loans | 0.1162% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.8235% | 2,056 |
| Efficiency ratio | 85.9023% | 1,188 |
| Assets per employee ($millions) | 2.9854% | 5,687 |
| Cash dividends to net income (ytd only)* | 7.1633% | 2,761 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5670% | 2,167 |
| Loan loss allowance to noncurrent loans | 287.1517% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 4,720 |
| Noncurrent loans to loans | 0.5457% | 3,947 |
| Net loans and leases to total assets | 48.7895% | 4,954 |
| Net loans and leases to deposits | 54.4128% | 5,163 |
| Net loans and leases to core deposits | 55.3445% | 5,292 |
| Total domestic deposits to total assets | 89.6655% | 923 |
| Equity capital to assets | 9.1257% | 5,165 |
| Core capital (leverage) ratio | 9.2168% | 4,687 |
| Tier 1 risk-based capital ratio | 17.0754% | 2,453 |
| Total risk-based capital ratio | 18.3278% | 2,408 |
| Memoranda: |
| Average total assets | $233,895,500 | 2,688 |
| Average earning assets | $213,594,000 | 2,696 |
| Average equity | $21,493,000 | 3,077 |
| Average total loans | $116,989,500 | 3,143 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3881% | 5,555 |
| Cost of funding earning assets | 0.2900% | 4,894 |
| Net interest margin | 3.0982% | 5,209 |
| Noninterest income to average assets | 0.9483% | 1,351 |
| Noninterest expense to average assets | 3.2386% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4324% | 5,097 |
| Return on assets (ROA) | 0.4664% | 5,041 |
| Pretax return on assets | 0.5947% | 4,962 |
| Return on Equity (ROE) | 5.3410% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.2640% | 3,154 |
| Net charge-offs to loans | 0.2842% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.1182% | 3,736 |
| Efficiency ratio | 85.4580% | 1,237 |
| Assets per employee ($millions) | 2.8267% | 5,904 |
| Cash dividends to net income (ytd only)* | 20.1650% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6350% | 1,968 |
| Loan loss allowance to noncurrent loans | 258.5499% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 4,685 |
| Noncurrent loans to loans | 0.6324% | 3,788 |
| Net loans and leases to total assets | 49.6635% | 5,001 |
| Net loans and leases to deposits | 55.5608% | 5,207 |
| Net loans and leases to core deposits | 56.5550% | 5,348 |
| Total domestic deposits to total assets | 89.3859% | 1,025 |
| Equity capital to assets | 9.2554% | 5,000 |
| Core capital (leverage) ratio | 8.8195% | 5,226 |
| Tier 1 risk-based capital ratio | 17.1853% | 2,436 |
| Total risk-based capital ratio | 18.4393% | 2,384 |
| Memoranda: |
| Average total assets | $233,899,600 | 2,665 |
| Average earning assets | $214,513,200 | 2,665 |
| Average equity | $20,426,800 | 3,113 |
| Average total loans | $110,129,400 | 3,213 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3849% | 5,619 |
| Cost of funding earning assets | 0.3057% | 4,833 |
| Net interest margin | 3.0792% | 5,314 |
| Noninterest income to average assets | 0.9725% | 1,305 |
| Noninterest expense to average assets | 3.1896% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4790% | 4,951 |
| Return on assets (ROA) | 0.5007% | 4,936 |
| Pretax return on assets | 0.6379% | 4,912 |
| Return on Equity (ROE) | 5.8179% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.0668% | 3,041 |
| Net charge-offs to loans | 0.0883% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.9441% | 2,098 |
| Efficiency ratio | 83.9427% | 1,393 |
| Assets per employee ($millions) | 2.8733% | 5,882 |
| Cash dividends to net income (ytd only)* | 12.9109% | 3,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8959% | 1,459 |
| Loan loss allowance to noncurrent loans | 149.4390% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 3,971 |
| Noncurrent loans to loans | 1.2687% | 2,524 |
| Net loans and leases to total assets | 46.2373% | 5,353 |
| Net loans and leases to deposits | 52.3642% | 5,511 |
| Net loans and leases to core deposits | 53.2729% | 5,609 |
| Total domestic deposits to total assets | 88.2995% | 1,606 |
| Equity capital to assets | 8.7439% | 5,599 |
| Core capital (leverage) ratio | 8.5456% | 5,604 |
| Tier 1 risk-based capital ratio | 17.2941% | 2,481 |
| Total risk-based capital ratio | 18.5520% | 2,431 |
| Memoranda: |
| Average total assets | $235,134,750 | 2,674 |
| Average earning assets | $215,891,750 | 2,669 |
| Average equity | $20,235,750 | 3,144 |
| Average total loans | $108,762,000 | 3,266 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3610% | 5,693 |
| Cost of funding earning assets | 0.3148% | 4,829 |
| Net interest margin | 3.0463% | 5,403 |
| Noninterest income to average assets | 1.0580% | 1,064 |
| Noninterest expense to average assets | 3.1468% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5455% | 4,621 |
| Return on assets (ROA) | 0.5777% | 4,564 |
| Pretax return on assets | 0.7487% | 4,465 |
| Return on Equity (ROE) | 6.7499% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.5002% | 2,036 |
| Net charge-offs to loans | 0.1358% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.3288% | 2,168 |
| Efficiency ratio | 81.6589% | 1,786 |
| Assets per employee ($millions) | 2.8718% | 5,932 |
| Cash dividends to net income (ytd only)* | 3.6982% | 3,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9868% | 1,382 |
| Loan loss allowance to noncurrent loans | 292.1811% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 4,996 |
| Noncurrent loans to loans | 0.6800% | 4,013 |
| Net loans and leases to total assets | 44.6218% | 5,488 |
| Net loans and leases to deposits | 50.5788% | 5,594 |
| Net loans and leases to core deposits | 51.4040% | 5,706 |
| Total domestic deposits to total assets | 88.2223% | 1,774 |
| Equity capital to assets | 8.8200% | 5,503 |
| Core capital (leverage) ratio | 8.5132% | 5,623 |
| Tier 1 risk-based capital ratio | 17.8747% | 2,285 |
| Total risk-based capital ratio | 19.1329% | 2,250 |
| Memoranda: |
| Average total assets | $234,018,000 | 2,689 |
| Average earning assets | $214,754,330 | 2,687 |
| Average equity | $20,030,000 | 3,162 |
| Average total loans | $107,549,330 | 3,296 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3290% | 5,790 |
| Cost of funding earning assets | 0.3219% | 4,837 |
| Net interest margin | 3.0072% | 5,505 |
| Noninterest income to average assets | 0.7424% | 1,980 |
| Noninterest expense to average assets | 3.1087% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3255% | 5,408 |
| Return on assets (ROA) | 0.3961% | 5,204 |
| Pretax return on assets | 0.4732% | 5,252 |
| Return on Equity (ROE) | 4.6999% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.1913% | 3,609 |
| Net charge-offs to loans | 0.0557% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.1333% | 1,562 |
| Efficiency ratio | 88.8725% | 1,144 |
| Assets per employee ($millions) | 2.9435% | 5,922 |
| Cash dividends to net income (ytd only)* | 10.8225% | 2,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0353% | 1,450 |
| Loan loss allowance to noncurrent loans | 410.5066% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 5,215 |
| Noncurrent loans to loans | 0.4958% | 4,672 |
| Net loans and leases to total assets | 44.7221% | 5,448 |
| Net loans and leases to deposits | 50.4402% | 5,562 |
| Net loans and leases to core deposits | 51.2569% | 5,674 |
| Total domestic deposits to total assets | 88.6637% | 1,855 |
| Equity capital to assets | 8.4380% | 5,708 |
| Core capital (leverage) ratio | 8.2923% | 5,852 |
| Tier 1 risk-based capital ratio | 17.3629% | 2,530 |
| Total risk-based capital ratio | 18.6222% | 2,496 |
| Memoranda: |
| Average total assets | $233,283,000 | 2,711 |
| Average earning assets | $213,755,500 | 2,712 |
| Average equity | $19,660,000 | 3,206 |
| Average total loans | $107,719,500 | 3,306 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5474% | 5,542 |
| Cost of funding earning assets | 0.3626% | 5,025 |
| Net interest margin | 3.1847% | 5,050 |
| Noninterest income to average assets | 0.9172% | 1,622 |
| Noninterest expense to average assets | 3.1627% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5214% | 4,641 |
| Return on assets (ROA) | 0.6100% | 4,337 |
| Pretax return on assets | 0.7880% | 4,193 |
| Return on Equity (ROE) | 7.0449% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.1134% | 1,906 |
| Net charge-offs to loans | 0.6892% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.0013% | 4,377 |
| Efficiency ratio | 82.4543% | 1,817 |
| Assets per employee ($millions) | 2.9251% | 5,951 |
| Cash dividends to net income (ytd only)* | 13.2225% | 3,937 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0410% | 1,460 |
| Loan loss allowance to noncurrent loans | 536.0097% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 5,114 |
| Noncurrent loans to loans | 0.3808% | 5,051 |
| Net loans and leases to total assets | 45.7563% | 5,513 |
| Net loans and leases to deposits | 51.7424% | 5,643 |
| Net loans and leases to core deposits | 52.5966% | 5,753 |
| Total domestic deposits to total assets | 88.4310% | 1,933 |
| Equity capital to assets | 8.4169% | 5,672 |
| Core capital (leverage) ratio | 8.1144% | 6,043 |
| Tier 1 risk-based capital ratio | 16.2618% | 2,983 |
| Total risk-based capital ratio | 17.5208% | 2,929 |
| Memoranda: |
| Average total assets | $226,895,200 | 2,749 |
| Average earning assets | $207,929,000 | 2,745 |
| Average equity | $19,645,400 | 3,193 |
| Average total loans | $110,712,800 | 3,232 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5865% | 5,478 |
| Cost of funding earning assets | 0.3704% | 5,093 |
| Net interest margin | 3.2162% | 4,944 |
| Noninterest income to average assets | 0.9499% | 1,603 |
| Noninterest expense to average assets | 3.2062% | 2,349 |
| Loan and lease loss provision to assets | 0.1033% | 3,041 |
| Net operating income to assets | 0.4662% | 4,947 |
| Return on assets (ROA) | 0.5053% | 4,933 |
| Pretax return on assets | 0.6376% | 4,891 |
| Return on Equity (ROE) | 5.7951% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.1587% | 2,964 |
| Net charge-offs to loans | 0.7647% | 780 |
| Credit loss provision to net charge-offs | 27.3865% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.8325% | 4,222 |
| Efficiency ratio | 82.2630% | 1,796 |
| Assets per employee ($millions) | 2.7991% | 6,152 |
| Cash dividends to net income (ytd only)* | 10.9813% | 3,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2876% | 1,200 |
| Loan loss allowance to noncurrent loans | 279.5531% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 4,893 |
| Noncurrent loans to loans | 0.8183% | 4,198 |
| Net loans and leases to total assets | 47.1353% | 5,431 |
| Net loans and leases to deposits | 53.3657% | 5,599 |
| Net loans and leases to core deposits | 54.2625% | 5,745 |
| Total domestic deposits to total assets | 88.3252% | 1,930 |
| Equity capital to assets | 8.4886% | 5,745 |
| Core capital (leverage) ratio | 8.1022% | 6,150 |
| Tier 1 risk-based capital ratio | 16.1198% | 3,121 |
| Total risk-based capital ratio | 17.3812% | 3,076 |
| Memoranda: |
| Average total assets | $225,848,250 | 2,778 |
| Average earning assets | $206,991,500 | 2,773 |
| Average equity | $19,694,250 | 3,220 |
| Average total loans | $111,406,500 | 3,240 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6182% | 5,376 |
| Cost of funding earning assets | 0.3798% | 5,140 |
| Net interest margin | 3.2384% | 4,809 |
| Noninterest income to average assets | 1.0596% | 1,362 |
| Noninterest expense to average assets | 3.1584% | 2,487 |
| Loan and lease loss provision to assets | 0.1552% | 2,374 |
| Net operating income to assets | 0.5719% | 4,441 |
| Return on assets (ROA) | 0.5719% | 4,613 |
| Pretax return on assets | 0.7173% | 4,626 |
| Return on Equity (ROE) | 6.5008% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.2992% | 2,261 |
| Net charge-offs to loans | 1.0046% | 604 |
| Credit loss provision to net charge-offs | 31.0835% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.7478% | 3,950 |
| Efficiency ratio | 78.3546% | 2,402 |
| Assets per employee ($millions) | 2.8502% | 6,096 |
| Cash dividends to net income (ytd only)* | 3.1008% | 3,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3473% | 1,174 |
| Loan loss allowance to noncurrent loans | 230.7968% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 4,824 |
| Noncurrent loans to loans | 1.0170% | 3,900 |
| Net loans and leases to total assets | 47.0370% | 5,422 |
| Net loans and leases to deposits | 53.8533% | 5,535 |
| Net loans and leases to core deposits | 54.7610% | 5,689 |
| Total domestic deposits to total assets | 87.3428% | 2,626 |
| Equity capital to assets | 8.4417% | 5,824 |
| Core capital (leverage) ratio | 8.1223% | 6,086 |
| Tier 1 risk-based capital ratio | 16.1853% | 3,098 |
| Total risk-based capital ratio | 17.4564% | 3,034 |
| Memoranda: |
| Average total assets | $225,555,000 | 2,786 |
| Average earning assets | $206,952,330 | 2,785 |
| Average equity | $19,843,670 | 3,223 |
| Average total loans | $112,085,000 | 3,227 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5802% | 5,501 |
| Cost of funding earning assets | 0.4002% | 5,097 |
| Net interest margin | 3.1800% | 4,997 |
| Noninterest income to average assets | 0.8862% | 1,806 |
| Noninterest expense to average assets | 3.1312% | 2,576 |
| Loan and lease loss provision to assets | 0.1872% | 1,964 |
| Net operating income to assets | 0.4137% | 5,077 |
| Return on assets (ROA) | 0.4137% | 5,225 |
| Pretax return on assets | 0.4868% | 5,303 |
| Return on Equity (ROE) | 4.6074% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.2102% | 3,696 |
| Net charge-offs to loans | 0.8162% | 740 |
| Credit loss provision to net charge-offs | 45.4545% | 2,673 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 3,286 |
| Efficiency ratio | 82.2868% | 2,003 |
| Assets per employee ($millions) | 3.0037% | 5,978 |
| Cash dividends to net income (ytd only)* | 8.6207% | 2,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5455% | 1,063 |
| Loan loss allowance to noncurrent loans | 213.4485% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 4,327 |
| Noncurrent loans to loans | 1.1925% | 3,779 |
| Net loans and leases to total assets | 47.6474% | 5,262 |
| Net loans and leases to deposits | 53.9933% | 5,438 |
| Net loans and leases to core deposits | 54.7524% | 5,623 |
| Total domestic deposits to total assets | 88.2468% | 2,161 |
| Equity capital to assets | 8.8392% | 5,676 |
| Core capital (leverage) ratio | 8.2702% | 5,856 |
| Tier 1 risk-based capital ratio | 16.7567% | 2,881 |
| Total risk-based capital ratio | 18.0230% | 2,839 |
| Memoranda: |
| Average total assets | $224,326,500 | 2,828 |
| Average earning assets | $205,912,000 | 2,833 |
| Average equity | $20,141,500 | 3,235 |
| Average total loans | $113,213,500 | 3,229 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0106% | 5,265 |
| Cost of funding earning assets | 0.6027% | 4,324 |
| Net interest margin | 3.4079% | 4,854 |
| Noninterest income to average assets | 1.0258% | 1,462 |
| Noninterest expense to average assets | 3.1618% | 2,730 |
| Loan and lease loss provision to assets | 0.3836% | 1,704 |
| Net operating income to assets | 0.4757% | 4,776 |
| Return on assets (ROA) | 0.5023% | 4,935 |
| Pretax return on assets | 0.6106% | 4,965 |
| Return on Equity (ROE) | 5.7010% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.2451% | 2,539 |
| Net charge-offs to loans | 0.7999% | 1,462 |
| Credit loss provision to net charge-offs | 88.7265% | 3,523 |
| Earnings coverage of net charge-offs (x) | 2.2244% | 4,311 |
| Efficiency ratio | 76.6772% | 2,640 |
| Assets per employee ($millions) | 2.9780% | 6,046 |
| Cash dividends to net income (ytd only)* | 7.9964% | 4,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5832% | 1,037 |
| Loan loss allowance to noncurrent loans | 223.3434% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8840% | 4,278 |
| Noncurrent loans to loans | 1.1566% | 3,919 |
| Net loans and leases to total assets | 50.7551% | 5,068 |
| Net loans and leases to deposits | 57.8885% | 5,247 |
| Net loans and leases to core deposits | 58.7354% | 5,476 |
| Total domestic deposits to total assets | 87.6773% | 2,427 |
| Equity capital to assets | 9.1231% | 5,372 |
| Core capital (leverage) ratio | 8.2685% | 5,921 |
| Tier 1 risk-based capital ratio | 16.3097% | 2,990 |
| Total risk-based capital ratio | 17.5773% | 2,939 |
| Memoranda: |
| Average total assets | $221,581,400 | 2,826 |
| Average earning assets | $201,415,000 | 2,830 |
| Average equity | $19,523,000 | 3,258 |
| Average total loans | $119,762,600 | 3,078 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0458% | 5,374 |
| Cost of funding earning assets | 0.6271% | 4,390 |
| Net interest margin | 3.4187% | 4,967 |
| Noninterest income to average assets | 0.9128% | 1,786 |
| Noninterest expense to average assets | 3.1511% | 2,714 |
| Loan and lease loss provision to assets | 0.4507% | 1,389 |
| Net operating income to assets | 0.3482% | 5,439 |
| Return on assets (ROA) | 0.3846% | 5,523 |
| Pretax return on assets | 0.4597% | 5,565 |
| Return on Equity (ROE) | 4.4036% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.3004% | 3,858 |
| Net charge-offs to loans | 1.0049% | 1,057 |
| Credit loss provision to net charge-offs | 82.2368% | 3,547 |
| Earnings coverage of net charge-offs (x) | 1.5822% | 4,490 |
| Efficiency ratio | 78.4208% | 2,336 |
| Assets per employee ($millions) | 3.1190% | 5,805 |
| Cash dividends to net income (ytd only)* | 2.3438% | 3,674 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4569% | 1,258 |
| Loan loss allowance to noncurrent loans | 182.7997% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 3,908 |
| Noncurrent loans to loans | 1.3440% | 3,781 |
| Net loans and leases to total assets | 52.2078% | 5,017 |
| Net loans and leases to deposits | 60.7215% | 5,120 |
| Net loans and leases to core deposits | 61.7032% | 5,386 |
| Total domestic deposits to total assets | 85.9790% | 3,274 |
| Equity capital to assets | 8.9774% | 5,845 |
| Core capital (leverage) ratio | 8.1927% | 6,152 |
| Tier 1 risk-based capital ratio | 15.9181% | 3,307 |
| Total risk-based capital ratio | 17.1842% | 3,273 |
| Memoranda: |
| Average total assets | $221,883,250 | 2,840 |
| Average earning assets | $201,551,750 | 2,848 |
| Average equity | $19,377,500 | 3,309 |
| Average total loans | $120,999,000 | 3,095 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1069% | 5,298 |
| Cost of funding earning assets | 0.6515% | 4,427 |
| Net interest margin | 3.4554% | 4,856 |
| Noninterest income to average assets | 0.8936% | 1,808 |
| Noninterest expense to average assets | 3.2023% | 2,583 |
| Loan and lease loss provision to assets | 0.4729% | 1,349 |
| Net operating income to assets | 0.3142% | 5,569 |
| Return on assets (ROA) | 0.3711% | 5,565 |
| Pretax return on assets | 0.4162% | 5,668 |
| Return on Equity (ROE) | 4.2894% | 5,135 |
| Retained earnings to average equity (ytd only) | 4.1333% | 3,860 |
| Net charge-offs to loans | 1.4743% | 681 |
| Credit loss provision to net charge-offs | 58.4633% | 3,842 |
| Earnings coverage of net charge-offs (x) | 1.0200% | 4,513 |
| Efficiency ratio | 79.5124% | 2,263 |
| Assets per employee ($millions) | 3.0535% | 5,947 |
| Cash dividends to net income (ytd only)* | 3.6408% | 3,461 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2400% | 1,690 |
| Loan loss allowance to noncurrent loans | 200.8929% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,004 |
| Noncurrent loans to loans | 1.1150% | 4,289 |
| Net loans and leases to total assets | 52.8645% | 4,979 |
| Net loans and leases to deposits | 61.8675% | 5,015 |
| Net loans and leases to core deposits | 62.8653% | 5,316 |
| Total domestic deposits to total assets | 85.4479% | 3,639 |
| Equity capital to assets | 8.7097% | 6,016 |
| Core capital (leverage) ratio | 7.9667% | 6,308 |
| Tier 1 risk-based capital ratio | 15.1682% | 3,654 |
| Total risk-based capital ratio | 16.4396% | 3,603 |
| Memoranda: |
| Average total assets | $222,029,000 | 2,845 |
| Average earning assets | $201,368,000 | 2,854 |
| Average equity | $19,210,000 | 3,321 |
| Average total loans | $121,824,000 | 3,096 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0827% | 5,517 |
| Cost of funding earning assets | 0.6669% | 4,564 |
| Net interest margin | 3.4159% | 5,048 |
| Noninterest income to average assets | 0.9585% | 1,540 |
| Noninterest expense to average assets | 3.3359% | 2,184 |
| Loan and lease loss provision to assets | 0.5415% | 1,093 |
| Net operating income to assets | 0.1607% | 6,094 |
| Return on assets (ROA) | 0.1607% | 6,223 |
| Pretax return on assets | 0.1787% | 6,239 |
| Return on Equity (ROE) | 1.8631% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.5491% | 5,466 |
| Net charge-offs to loans | 1.4992% | 670 |
| Credit loss provision to net charge-offs | 65.3595% | 3,008 |
| Earnings coverage of net charge-offs (x) | 0.8693% | 3,895 |
| Efficiency ratio | 82.2430% | 1,907 |
| Assets per employee ($millions) | 3.1815% | 5,804 |
| Cash dividends to net income (ytd only)* | 16.8539% | 2,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4047% | 1,497 |
| Loan loss allowance to noncurrent loans | 132.9229% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.6101% | 3,431 |
| Noncurrent loans to loans | 1.8091% | 3,397 |
| Net loans and leases to total assets | 52.3724% | 4,965 |
| Net loans and leases to deposits | 61.3406% | 5,007 |
| Net loans and leases to core deposits | 62.3154% | 5,292 |
| Total domestic deposits to total assets | 85.3796% | 3,845 |
| Equity capital to assets | 8.4368% | 6,139 |
| Core capital (leverage) ratio | 7.8111% | 6,406 |
| Tier 1 risk-based capital ratio | 14.7017% | 3,955 |
| Total risk-based capital ratio | 15.9752% | 3,899 |
| Memoranda: |
| Average total assets | $221,592,500 | 2,870 |
| Average earning assets | $200,943,500 | 2,887 |
| Average equity | $19,108,000 | 3,334 |
| Average total loans | $122,468,000 | 3,092 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4547% | 5,236 |
| Cost of funding earning assets | 0.7132% | 5,448 |
| Net interest margin | 3.7415% | 4,113 |
| Noninterest income to average assets | 0.7035% | 2,583 |
| Noninterest expense to average assets | 3.3450% | 2,372 |
| Loan and lease loss provision to assets | 0.4687% | 2,258 |
| Net operating income to assets | 0.2461% | 5,434 |
| Return on assets (ROA) | 0.2461% | 5,579 |
| Pretax return on assets | 0.2461% | 5,678 |
| Return on Equity (ROE) | 2.8354% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.8354% | 4,221 |
| Net charge-offs to loans | 0.8070% | 2,139 |
| Credit loss provision to net charge-offs | 98.9120% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.5084% | 4,643 |
| Efficiency ratio | 82.3944% | 1,965 |
| Assets per employee ($millions) | 3.0180% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4847% | 1,341 |
| Loan loss allowance to noncurrent loans | 146.8004% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9549% | 3,029 |
| Noncurrent loans to loans | 1.6926% | 3,624 |
| Net loans and leases to total assets | 55.5204% | 4,790 |
| Net loans and leases to deposits | 65.5579% | 4,795 |
| Net loans and leases to core deposits | 66.6484% | 5,193 |
| Total domestic deposits to total assets | 84.6890% | 4,004 |
| Equity capital to assets | 8.8166% | 5,775 |
| Core capital (leverage) ratio | 7.9666% | 6,297 |
| Tier 1 risk-based capital ratio | 14.6269% | 3,880 |
| Total risk-based capital ratio | 15.8936% | 3,848 |
| Memoranda: |
| Average total assets | $213,363,200 | 2,909 |
| Average earning assets | $191,394,200 | 2,951 |
| Average equity | $18,516,200 | 3,359 |
| Average total loans | $125,279,200 | 3,075 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5012% | 5,251 |
| Cost of funding earning assets | 0.7168% | 5,667 |
| Net interest margin | 3.7844% | 3,949 |
| Noninterest income to average assets | 0.7596% | 2,265 |
| Noninterest expense to average assets | 3.4604% | 2,050 |
| Loan and lease loss provision to assets | 0.5650% | 1,739 |
| Net operating income to assets | 0.1061% | 5,952 |
| Return on assets (ROA) | 0.1061% | 6,064 |
| Pretax return on assets | 0.1218% | 6,057 |
| Return on Equity (ROE) | 1.2276% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.2276% | 5,522 |
| Net charge-offs to loans | 0.5167% | 2,695 |
| Credit loss provision to net charge-offs | 184.8049% | 1,591 |
| Earnings coverage of net charge-offs (x) | 2.2464% | 4,004 |
| Efficiency ratio | 83.4393% | 1,799 |
| Assets per employee ($millions) | 2.9904% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7975% | 1,033 |
| Loan loss allowance to noncurrent loans | 139.3070% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2159% | 2,875 |
| Noncurrent loans to loans | 2.0082% | 3,358 |
| Net loans and leases to total assets | 56.4488% | 4,769 |
| Net loans and leases to deposits | 66.7351% | 4,794 |
| Net loans and leases to core deposits | 67.5722% | 5,229 |
| Total domestic deposits to total assets | 84.5864% | 3,972 |
| Equity capital to assets | 8.8068% | 5,975 |
| Core capital (leverage) ratio | 7.8509% | 6,527 |
| Tier 1 risk-based capital ratio | 14.1343% | 4,248 |
| Total risk-based capital ratio | 15.4049% | 4,205 |
| Memoranda: |
| Average total assets | $212,380,250 | 2,927 |
| Average earning assets | $190,107,750 | 2,975 |
| Average equity | $18,355,750 | 3,384 |
| Average total loans | $125,669,750 | 3,086 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5141% | 5,314 |
| Cost of funding earning assets | 0.7040% | 5,936 |
| Net interest margin | 3.8101% | 3,734 |
| Noninterest income to average assets | 0.7540% | 2,246 |
| Noninterest expense to average assets | 3.4777% | 2,041 |
| Loan and lease loss provision to assets | 0.5676% | 1,706 |
| Net operating income to assets | 0.0899% | 6,043 |
| Return on assets (ROA) | 0.0899% | 6,122 |
| Pretax return on assets | 0.1135% | 6,081 |
| Return on Equity (ROE) | 1.0466% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.0466% | 5,444 |
| Net charge-offs to loans | 0.6641% | 2,177 |
| Credit loss provision to net charge-offs | 143.5407% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.7225% | 4,008 |
| Efficiency ratio | 83.6215% | 1,866 |
| Assets per employee ($millions) | 2.8577% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6276% | 1,275 |
| Loan loss allowance to noncurrent loans | 127.2692% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 2.3615% | 2,791 |
| Noncurrent loans to loans | 2.0646% | 3,390 |
| Net loans and leases to total assets | 57.2499% | 4,776 |
| Net loans and leases to deposits | 67.6679% | 4,761 |
| Net loans and leases to core deposits | 68.6284% | 5,225 |
| Total domestic deposits to total assets | 84.6042% | 4,072 |
| Equity capital to assets | 8.7378% | 5,888 |
| Core capital (leverage) ratio | 7.7827% | 6,526 |
| Tier 1 risk-based capital ratio | 14.1167% | 4,089 |
| Total risk-based capital ratio | 15.3854% | 4,040 |
| Memoranda: |
| Average total assets | $211,403,670 | 2,958 |
| Average earning assets | $188,917,330 | 3,011 |
| Average equity | $18,153,670 | 3,394 |
| Average total loans | $125,880,330 | 3,106 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5680% | 5,092 |
| Cost of funding earning assets | 0.6362% | 6,444 |
| Net interest margin | 3.9318% | 2,992 |
| Noninterest income to average assets | 0.8232% | 1,947 |
| Noninterest expense to average assets | 3.6183% | 1,732 |
| Loan and lease loss provision to assets | 0.5677% | 1,520 |
| Net operating income to assets | 0.0984% | 6,099 |
| Return on assets (ROA) | 0.0984% | 6,152 |
| Pretax return on assets | 0.1457% | 6,064 |
| Return on Equity (ROE) | 1.1561% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.1561% | 5,362 |
| Net charge-offs to loans | 0.6380% | 1,929 |
| Credit loss provision to net charge-offs | 148.5149% | 1,924 |
| Earnings coverage of net charge-offs (x) | 1.8663% | 3,372 |
| Efficiency ratio | 83.5299% | 2,011 |
| Assets per employee ($millions) | 2.7550% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5286% | 1,423 |
| Loan loss allowance to noncurrent loans | 104.7729% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6912% | 2,555 |
| Noncurrent loans to loans | 2.4134% | 3,075 |
| Net loans and leases to total assets | 57.0974% | 4,785 |
| Net loans and leases to deposits | 67.3551% | 4,774 |
| Net loans and leases to core deposits | 68.2923% | 5,255 |
| Total domestic deposits to total assets | 84.7707% | 4,140 |
| Equity capital to assets | 8.4113% | 6,034 |
| Core capital (leverage) ratio | 7.7480% | 6,511 |
| Tier 1 risk-based capital ratio | 13.6448% | 4,331 |
| Total risk-based capital ratio | 14.9123% | 4,288 |
| Memoranda: |
| Average total assets | $211,369,000 | 2,974 |
| Average earning assets | $188,618,000 | 3,031 |
| Average equity | $17,991,500 | 3,395 |
| Average total loans | $126,653,000 | 3,125 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8989% | 5,038 |
| Cost of funding earning assets | 0.9455% | 5,956 |
| Net interest margin | 3.9534% | 3,248 |
| Noninterest income to average assets | 0.7478% | 2,554 |
| Noninterest expense to average assets | 3.6299% | 1,850 |
| Loan and lease loss provision to assets | 1.2322% | 1,261 |
| Net operating income to assets | -0.2269% | 6,141 |
| Return on assets (ROA) | -0.1629% | 6,118 |
| Pretax return on assets | -0.4915% | 6,314 |
| Return on Equity (ROE) | -1.8707% | 6,159 |
| Retained earnings to average equity (ytd only) | -1.8707% | 5,950 |
| Net charge-offs to loans | 1.5682% | 1,392 |
| Credit loss provision to net charge-offs | 125.6582% | 3,242 |
| Earnings coverage of net charge-offs (x) | 0.6534% | 5,457 |
| Efficiency ratio | 84.2713% | 1,889 |
| Assets per employee ($millions) | 2.5981% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4210% | 1,523 |
| Loan loss allowance to noncurrent loans | 81.4414% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.9926% | 2,348 |
| Noncurrent loans to loans | 2.9727% | 2,572 |
| Net loans and leases to total assets | 59.8232% | 4,707 |
| Net loans and leases to deposits | 70.9678% | 4,688 |
| Net loans and leases to core deposits | 71.9938% | 5,213 |
| Total domestic deposits to total assets | 84.2963% | 4,225 |
| Equity capital to assets | 8.6159% | 5,700 |
| Core capital (leverage) ratio | 7.7184% | 6,528 |
| Tier 1 risk-based capital ratio | 13.5457% | 4,167 |
| Total risk-based capital ratio | 14.8118% | 4,128 |
| Memoranda: |
| Average total assets | $213,038,200 | 2,947 |
| Average earning assets | $189,838,200 | 3,011 |
| Average equity | $18,549,400 | 3,343 |
| Average total loans | $133,206,000 | 3,065 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9725% | 4,936 |
| Cost of funding earning assets | 0.9667% | 6,095 |
| Net interest margin | 4.0058% | 3,079 |
| Noninterest income to average assets | 0.7938% | 2,267 |
| Noninterest expense to average assets | 3.5669% | 1,859 |
| Loan and lease loss provision to assets | 0.9984% | 1,488 |
| Net operating income to assets | -0.1348% | 6,226 |
| Return on assets (ROA) | -0.0460% | 6,205 |
| Pretax return on assets | -0.0690% | 6,184 |
| Return on Equity (ROE) | -0.5273% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.5273% | 5,927 |
| Net charge-offs to loans | 1.2773% | 1,597 |
| Credit loss provision to net charge-offs | 124.4186% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.9930% | 5,068 |
| Efficiency ratio | 80.7983% | 2,247 |
| Assets per employee ($millions) | 2.5949% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1956% | 1,819 |
| Loan loss allowance to noncurrent loans | 59.6418% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.4132% | 2,079 |
| Noncurrent loans to loans | 3.6814% | 2,121 |
| Net loans and leases to total assets | 60.6970% | 4,779 |
| Net loans and leases to deposits | 73.0529% | 4,679 |
| Net loans and leases to core deposits | 74.1911% | 5,268 |
| Total domestic deposits to total assets | 83.0863% | 4,561 |
| Equity capital to assets | 8.9397% | 5,660 |
| Core capital (leverage) ratio | 8.2248% | 6,002 |
| Tier 1 risk-based capital ratio | 14.1444% | 3,727 |
| Total risk-based capital ratio | 15.4073% | 3,688 |
| Memoranda: |
| Average total assets | $214,335,500 | 2,985 |
| Average earning assets | $191,020,250 | 3,022 |
| Average equity | $18,709,750 | 3,356 |
| Average total loans | $134,650,750 | 3,085 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0162% | 4,871 |
| Cost of funding earning assets | 1.0203% | 6,052 |
| Net interest margin | 3.9959% | 3,035 |
| Noninterest income to average assets | 0.7788% | 2,241 |
| Noninterest expense to average assets | 3.5759% | 1,842 |
| Loan and lease loss provision to assets | 0.8993% | 1,623 |
| Net operating income to assets | -0.0957% | 6,224 |
| Return on assets (ROA) | 0.0445% | 6,105 |
| Pretax return on assets | 0.0630% | 6,049 |
| Return on Equity (ROE) | 0.5138% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.5138% | 5,558 |
| Net charge-offs to loans | 1.1246% | 1,683 |
| Credit loss provision to net charge-offs | 126.7974% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.0784% | 4,719 |
| Efficiency ratio | 80.9697% | 2,304 |
| Assets per employee ($millions) | 2.5771% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0672% | 2,038 |
| Loan loss allowance to noncurrent loans | 71.3287% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.2297% | 2,181 |
| Noncurrent loans to loans | 2.8982% | 2,758 |
| Net loans and leases to total assets | 61.7395% | 4,735 |
| Net loans and leases to deposits | 74.0769% | 4,666 |
| Net loans and leases to core deposits | 75.4072% | 5,262 |
| Total domestic deposits to total assets | 83.3452% | 4,418 |
| Equity capital to assets | 8.8435% | 5,678 |
| Core capital (leverage) ratio | 8.1300% | 6,066 |
| Tier 1 risk-based capital ratio | 14.0036% | 3,731 |
| Total risk-based capital ratio | 15.2656% | 3,686 |
| Memoranda: |
| Average total assets | $215,719,000 | 2,989 |
| Average earning assets | $192,295,670 | 3,036 |
| Average equity | $18,683,000 | 3,351 |
| Average total loans | $136,054,330 | 3,081 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0077% | 4,990 |
| Cost of funding earning assets | 1.0879% | 5,965 |
| Net interest margin | 3.9198% | 3,240 |
| Noninterest income to average assets | 0.8774% | 1,709 |
| Noninterest expense to average assets | 3.6619% | 1,594 |
| Loan and lease loss provision to assets | 1.0096% | 1,233 |
| Net operating income to assets | -0.2656% | 6,619 |
| Return on assets (ROA) | 0.0863% | 6,162 |
| Pretax return on assets | 0.0954% | 6,152 |
| Return on Equity (ROE) | 1.0064% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.0064% | 5,408 |
| Net charge-offs to loans | 0.2124% | 3,648 |
| Credit loss provision to net charge-offs | 753.4247% | 595 |
| Earnings coverage of net charge-offs (x) | 5.3288% | 2,422 |
| Efficiency ratio | 81.6275% | 2,329 |
| Assets per employee ($millions) | 2.6533% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2195% | 1,711 |
| Loan loss allowance to noncurrent loans | 63.7993% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 3.5341% | 1,986 |
| Noncurrent loans to loans | 3.4788% | 2,295 |
| Net loans and leases to total assets | 61.2746% | 4,900 |
| Net loans and leases to deposits | 73.6480% | 4,800 |
| Net loans and leases to core deposits | 74.9309% | 5,395 |
| Total domestic deposits to total assets | 83.1993% | 4,525 |
| Equity capital to assets | 8.5610% | 5,926 |
| Core capital (leverage) ratio | 8.0749% | 6,124 |
| Tier 1 risk-based capital ratio | 13.8416% | 3,773 |
| Total risk-based capital ratio | 15.1048% | 3,719 |
| Memoranda: |
| Average total assets | $217,918,500 | 3,014 |
| Average earning assets | $194,501,500 | 3,069 |
| Average equity | $18,680,500 | 3,369 |
| Average total loans | $137,470,500 | 3,121 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3285% | 5,032 |
| Cost of funding earning assets | 1.6173% | 4,954 |
| Net interest margin | 3.7112% | 4,087 |
| Noninterest income to average assets | 1.0210% | 1,502 |
| Noninterest expense to average assets | 3.8894% | 1,522 |
| Loan and lease loss provision to assets | 1.8666% | 1,201 |
| Net operating income to assets | -0.7726% | 6,419 |
| Return on assets (ROA) | -0.7726% | 6,414 |
| Pretax return on assets | -1.3742% | 6,636 |
| Return on Equity (ROE) | -8.7182% | 6,525 |
| Retained earnings to average equity (ytd only) | -9.4304% | 6,470 |
| Net charge-offs to loans | 2.3829% | 961 |
| Credit loss provision to net charge-offs | 120.7646% | 4,424 |
| Earnings coverage of net charge-offs (x) | 0.3186% | 5,797 |
| Efficiency ratio | 79.1399% | 3,021 |
| Assets per employee ($millions) | 2.6297% | 6,983 |
| Cash dividends to net income (ytd only)* | -8.1692% | 7,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8391% | 2,427 |
| Loan loss allowance to noncurrent loans | 61.3330% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.8863% | 2,429 |
| Noncurrent loans to loans | 2.9985% | 2,569 |
| Net loans and leases to total assets | 62.3323% | 4,922 |
| Net loans and leases to deposits | 74.9226% | 4,886 |
| Net loans and leases to core deposits | 83.1654% | 5,805 |
| Total domestic deposits to total assets | 83.1955% | 4,426 |
| Equity capital to assets | 8.5834% | 5,750 |
| Core capital (leverage) ratio | 8.0303% | 6,118 |
| Tier 1 risk-based capital ratio | 13.4204% | 3,871 |
| Total risk-based capital ratio | 14.6793% | 3,812 |
| Memoranda: |
| Average total assets | $223,401,600 | 2,900 |
| Average earning assets | $202,306,800 | 2,945 |
| Average equity | $19,797,600 | 3,235 |
| Average total loans | $144,909,600 | 3,005 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4047% | 4,923 |
| Cost of funding earning assets | 1.7464% | 4,654 |
| Net interest margin | 3.6582% | 4,241 |
| Noninterest income to average assets | 1.0919% | 1,334 |
| Noninterest expense to average assets | 3.5124% | 2,251 |
| Loan and lease loss provision to assets | 1.4835% | 1,295 |
| Net operating income to assets | -0.4089% | 6,330 |
| Return on assets (ROA) | -0.4089% | 6,332 |
| Pretax return on assets | -0.5839% | 6,376 |
| Return on Equity (ROE) | -4.5787% | 6,408 |
| Retained earnings to average equity (ytd only) | -5.5158% | 6,319 |
| Net charge-offs to loans | 1.8094% | 1,119 |
| Credit loss provision to net charge-offs | 125.7545% | 4,002 |
| Earnings coverage of net charge-offs (x) | 0.7626% | 5,283 |
| Efficiency ratio | 77.6194% | 3,222 |
| Assets per employee ($millions) | 2.5827% | 7,085 |
| Cash dividends to net income (ytd only)* | -20.4650% | 7,848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6444% | 2,825 |
| Loan loss allowance to noncurrent loans | 53.7491% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.9313% | 2,362 |
| Noncurrent loans to loans | 3.0594% | 2,476 |
| Net loans and leases to total assets | 63.8646% | 4,896 |
| Net loans and leases to deposits | 77.2392% | 4,854 |
| Net loans and leases to core deposits | 86.2743% | 5,838 |
| Total domestic deposits to total assets | 82.6841% | 4,370 |
| Equity capital to assets | 9.1123% | 5,317 |
| Core capital (leverage) ratio | 7.9898% | 6,378 |
| Tier 1 risk-based capital ratio | 13.5295% | 3,827 |
| Total risk-based capital ratio | 14.7860% | 3,756 |
| Memoranda: |
| Average total assets | $224,684,750 | 2,899 |
| Average earning assets | $203,918,000 | 2,933 |
| Average equity | $20,063,250 | 3,222 |
| Average total loans | $146,486,750 | 3,005 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3115% | 5,599 |
| Cost of funding earning assets | 1.8856% | 4,343 |
| Net interest margin | 3.4259% | 5,076 |
| Noninterest income to average assets | 1.1546% | 1,170 |
| Noninterest expense to average assets | 3.4620% | 2,452 |
| Loan and lease loss provision to assets | 0.7685% | 2,154 |
| Net operating income to assets | 0.0256% | 5,771 |
| Return on assets (ROA) | 0.0256% | 5,853 |
| Pretax return on assets | 0.0362% | 5,804 |
| Return on Equity (ROE) | 0.2888% | 5,841 |
| Retained earnings to average equity (ytd only) | -1.1154% | 5,513 |
| Net charge-offs to loans | 1.0352% | 1,723 |
| Credit loss provision to net charge-offs | 113.7255% | 4,076 |
| Earnings coverage of net charge-offs (x) | 1.1908% | 4,635 |
| Efficiency ratio | 79.0890% | 3,179 |
| Assets per employee ($millions) | 2.6633% | 6,917 |
| Cash dividends to net income (ytd only)* | 486.2069% | 75 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3304% | 4,094 |
| Loan loss allowance to noncurrent loans | 30.7900% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 3.5546% | 1,751 |
| Noncurrent loans to loans | 4.3208% | 1,510 |
| Net loans and leases to total assets | 63.4603% | 5,086 |
| Net loans and leases to deposits | 76.3023% | 5,117 |
| Net loans and leases to core deposits | 86.1965% | 5,886 |
| Total domestic deposits to total assets | 83.1695% | 4,159 |
| Equity capital to assets | 8.8157% | 5,576 |
| Core capital (leverage) ratio | 8.0599% | 6,231 |
| Tier 1 risk-based capital ratio | 13.6129% | 3,750 |
| Total risk-based capital ratio | 14.8649% | 3,672 |
| Memoranda: |
| Average total assets | $226,404,000 | 2,897 |
| Average earning assets | $205,666,330 | 2,924 |
| Average equity | $20,083,000 | 3,228 |
| Average total loans | $147,801,000 | 3,023 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3724% | 5,563 |
| Cost of funding earning assets | 1.9653% | 4,307 |
| Net interest margin | 3.4071% | 5,112 |
| Noninterest income to average assets | 0.9204% | 1,775 |
| Noninterest expense to average assets | 3.2153% | 2,920 |
| Loan and lease loss provision to assets | 0.6183% | 2,039 |
| Net operating income to assets | 0.1095% | 5,955 |
| Return on assets (ROA) | 0.1095% | 6,116 |
| Pretax return on assets | 0.1802% | 5,986 |
| Return on Equity (ROE) | 1.2310% | 6,062 |
| Retained earnings to average equity (ytd only) | -0.8339% | 5,844 |
| Net charge-offs to loans | 1.4103% | 1,010 |
| Credit loss provision to net charge-offs | 66.6667% | 4,404 |
| Earnings coverage of net charge-offs (x) | 0.8610% | 4,332 |
| Efficiency ratio | 77.9489% | 3,172 |
| Assets per employee ($millions) | 2.6832% | 6,923 |
| Cash dividends to net income (ytd only)* | 167.7419% | 392 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1117% | 5,386 |
| Loan loss allowance to noncurrent loans | 29.9747% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 3.0968% | 1,820 |
| Noncurrent loans to loans | 3.7087% | 1,679 |
| Net loans and leases to total assets | 63.8774% | 5,012 |
| Net loans and leases to deposits | 77.4280% | 5,018 |
| Net loans and leases to core deposits | 87.5452% | 5,778 |
| Total domestic deposits to total assets | 82.4990% | 4,371 |
| Equity capital to assets | 8.7327% | 5,717 |
| Core capital (leverage) ratio | 8.1710% | 6,156 |
| Tier 1 risk-based capital ratio | 13.3751% | 3,939 |
| Total risk-based capital ratio | 14.5691% | 3,900 |
| Memoranda: |
| Average total assets | $226,415,500 | 2,914 |
| Average earning assets | $205,570,500 | 2,941 |
| Average equity | $20,146,000 | 3,235 |
| Average total loans | $148,902,000 | 3,021 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8322% | 6,328 |
| Cost of funding earning assets | 2.3139% | 5,090 |
| Net interest margin | 3.5183% | 5,237 |
| Noninterest income to average assets | 0.8224% | 2,393 |
| Noninterest expense to average assets | 3.4186% | 2,616 |
| Loan and lease loss provision to assets | 0.4861% | 2,870 |
| Net operating income to assets | 0.2375% | 5,736 |
| Return on assets (ROA) | 0.2375% | 5,558 |
| Pretax return on assets | 0.1069% | 5,924 |
| Return on Equity (ROE) | 2.6744% | 5,351 |
| Retained earnings to average equity (ytd only) | 0.2820% | 5,074 |
| Net charge-offs to loans | 0.8994% | 1,379 |
| Credit loss provision to net charge-offs | 80.5185% | 5,892 |
| Earnings coverage of net charge-offs (x) | 0.9822% | 5,641 |
| Efficiency ratio | 83.0100% | 2,180 |
| Assets per employee ($millions) | 2.5823% | 7,046 |
| Cash dividends to net income (ytd only)* | 89.4539% | 1,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2316% | 4,295 |
| Loan loss allowance to noncurrent loans | 36.8909% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 2.8274% | 1,661 |
| Noncurrent loans to loans | 3.3385% | 1,550 |
| Net loans and leases to total assets | 66.1551% | 4,817 |
| Net loans and leases to deposits | 80.8399% | 4,899 |
| Net loans and leases to core deposits | 90.5832% | 5,751 |
| Total domestic deposits to total assets | 81.8348% | 4,266 |
| Equity capital to assets | 9.0693% | 5,267 |
| Core capital (leverage) ratio | 8.4190% | 5,715 |
| Tier 1 risk-based capital ratio | 13.5323% | 3,807 |
| Total risk-based capital ratio | 14.7833% | 3,698 |
| Memoranda: |
| Average total assets | $223,601,800 | 2,834 |
| Average earning assets | $202,684,200 | 2,870 |
| Average equity | $19,855,000 | 3,253 |
| Average total loans | $150,097,000 | 2,927 |
