Home > East River Bank > Performance and Condition Ratios
East River 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 | 4.9950% | 607 |
| Cost of funding earning assets | 0.8801% | 320 |
| Net interest margin | 4.1149% | 1,358 |
| Noninterest income to average assets | 0.1728% | 5,410 |
| Noninterest expense to average assets | 4.3790% | 418 |
| Loan and lease loss provision to assets | 0.2478% | 765 |
| Net operating income to assets | -0.1108% | 5,762 |
| Return on assets (ROA) | -0.1100% | 5,777 |
| Pretax return on assets | -0.4409% | 5,846 |
| Return on Equity (ROE) | -1.1508% | 5,788 |
| Retained earnings to average equity (ytd only) | -1.1508% | 5,512 |
| Net charge-offs to loans | 0.5545% | 379 |
| Credit loss provision to net charge-offs | 47.5728% | 3,066 |
| Earnings coverage of net charge-offs (x) | -0.3730% | 3,838 |
| Efficiency ratio | 104.6430% | 168 |
| Assets per employee ($millions) | 7.6856% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,875 |
| Loan loss allowance to noncurrent loans | 695.7711% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,514 |
| Noncurrent loans to loans | 0.1292% | 4,822 |
| Net loans and leases to total assets | 95.5043% | 3 |
| Net loans and leases to deposits | 136.2543% | 29 |
| Net loans and leases to core deposits | 151.3011% | 119 |
| Total domestic deposits to total assets | 70.0927% | 5,689 |
| Equity capital to assets | 8.7538% | 5,360 |
| Core capital (leverage) ratio | 8.7409% | 5,111 |
| Tier 1 risk-based capital ratio | 10.3989% | 5,655 |
| Total risk-based capital ratio | 11.4477% | 5,674 |
| Memoranda: | ||
| Average total assets | $316,348,250 | 2,084 |
| Average earning assets | $308,435,750 | 1,989 |
| Average equity | $30,238,750 | 2,351 |
| Average total loans | $297,192,750 | 1,529 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 655 |
| Cost of funding earning assets | 0.8762% | 323 |
| Net interest margin | 4.0637% | 1,467 |
| Noninterest income to average assets | 0.2272% | 5,129 |
| Noninterest expense to average assets | 2.8721% | 2,768 |
| Loan and lease loss provision to assets | 0.2871% | 639 |
| Net operating income to assets | 0.5633% | 4,426 |
| Return on assets (ROA) | 0.5633% | 4,547 |
| Pretax return on assets | 1.0388% | 3,442 |
| Return on Equity (ROE) | 5.7283% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7283% | 2,277 |
| Net charge-offs to loans | 0.0417% | 2,628 |
| Credit loss provision to net charge-offs | 739.3443% | 489 |
| Earnings coverage of net charge-offs (x) | 34.1475% | 1,285 |
| Efficiency ratio | 68.4155% | 3,257 |
| Assets per employee ($millions) | 6.8178% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,071 |
| Loan loss allowance to noncurrent loans | 130.7981% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 2,047 |
| Noncurrent loans to loans | 0.9557% | 2,371 |
| Net loans and leases to total assets | 94.5421% | 6 |
| Net loans and leases to deposits | 132.2711% | 33 |
| Net loans and leases to core deposits | 146.9546% | 137 |
| Total domestic deposits to total assets | 71.4761% | 5,699 |
| Equity capital to assets | 9.7804% | 4,473 |
| Core capital (leverage) ratio | 9.8577% | 3,739 |
| Tier 1 risk-based capital ratio | 11.7074% | 5,029 |
| Total risk-based capital ratio | 12.9601% | 4,921 |
| Memoranda: | ||
| Average total assets | $314,198,670 | 2,101 |
| Average earning assets | $307,013,670 | 2,008 |
| Average equity | $30,899,330 | 2,317 |
| Average total loans | $292,563,000 | 1,554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 767 |
| Cost of funding earning assets | 0.8808% | 316 |
| Net interest margin | 3.9691% | 1,714 |
| Noninterest income to average assets | 0.3163% | 4,467 |
| Noninterest expense to average assets | 2.8147% | 3,015 |
| Loan and lease loss provision to assets | 0.2366% | 766 |
| Net operating income to assets | 0.6905% | 3,759 |
| Return on assets (ROA) | 0.6905% | 3,871 |
| Pretax return on assets | 1.1470% | 2,904 |
| Return on Equity (ROE) | 7.0015% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.0015% | 1,884 |
| Net charge-offs to loans | 0.0911% | 1,596 |
| Credit loss provision to net charge-offs | 283.0769% | 883 |
| Earnings coverage of net charge-offs (x) | 16.5538% | 1,613 |
| Efficiency ratio | 67.0444% | 3,627 |
| Assets per employee ($millions) | 6.7700% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 3,285 |
| Loan loss allowance to noncurrent loans | 185.2391% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 2,823 |
| Noncurrent loans to loans | 0.6662% | 3,175 |
| Net loans and leases to total assets | 91.5975% | 40 |
| Net loans and leases to deposits | 123.6105% | 71 |
| Net loans and leases to core deposits | 137.7751% | 187 |
| Total domestic deposits to total assets | 74.1017% | 5,602 |
| Equity capital to assets | 9.9435% | 4,155 |
| Core capital (leverage) ratio | 9.9737% | 3,565 |
| Tier 1 risk-based capital ratio | 12.4818% | 4,583 |
| Total risk-based capital ratio | 13.7342% | 4,498 |
| Memoranda: | ||
| Average total assets | $311,080,000 | 2,127 |
| Average earning assets | $304,254,000 | 2,034 |
| Average equity | $30,679,000 | 2,327 |
| Average total loans | $285,453,500 | 1,587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 943 |
| Cost of funding earning assets | 0.8857% | 310 |
| Net interest margin | 3.9043% | 2,010 |
| Noninterest income to average assets | 0.1781% | 5,518 |
| Noninterest expense to average assets | 2.6884% | 3,620 |
| Loan and lease loss provision to assets | 0.1411% | 1,682 |
| Net operating income to assets | 0.7653% | 3,491 |
| Return on assets (ROA) | 0.7653% | 3,582 |
| Pretax return on assets | 1.1671% | 2,784 |
| Return on Equity (ROE) | 7.7247% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.7247% | 1,008 |
| Net charge-offs to loans | 0.0187% | 3,902 |
| Credit loss provision to net charge-offs | 832.6531% | 411 |
| Earnings coverage of net charge-offs (x) | 77.2041% | 722 |
| Efficiency ratio | 67.2666% | 3,703 |
| Assets per employee ($millions) | 6.3417% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 3,351 |
| Loan loss allowance to noncurrent loans | 384.0580% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 4,415 |
| Noncurrent loans to loans | 0.3180% | 4,322 |
| Net loans and leases to total assets | 89.6715% | 74 |
| Net loans and leases to deposits | 119.1950% | 108 |
| Net loans and leases to core deposits | 133.3711% | 226 |
| Total domestic deposits to total assets | 75.2309% | 5,532 |
| Equity capital to assets | 9.7805% | 4,210 |
| Core capital (leverage) ratio | 10.0005% | 3,507 |
| Tier 1 risk-based capital ratio | 12.5267% | 4,611 |
| Total risk-based capital ratio | 13.7790% | 4,513 |
| Memoranda: | ||
| Average total assets | $289,172,200 | 2,214 |
| Average earning assets | $282,813,200 | 2,118 |
| Average equity | $28,648,400 | 2,413 |
| Average total loans | $262,273,600 | 1,656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 897 |
| Cost of funding earning assets | 0.8856% | 308 |
| Net interest margin | 3.9385% | 1,902 |
| Noninterest income to average assets | 0.1889% | 5,531 |
| Noninterest expense to average assets | 2.7236% | 3,484 |
| Loan and lease loss provision to assets | 0.1339% | 1,675 |
| Net operating income to assets | 0.7757% | 3,552 |
| Return on assets (ROA) | 0.7757% | 3,640 |
| Pretax return on assets | 1.1821% | 2,880 |
| Return on Equity (ROE) | 7.8025% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.8025% | 1,330 |
| Net charge-offs to loans | 0.0254% | 3,429 |
| Credit loss provision to net charge-offs | 581.6327% | 585 |
| Earnings coverage of net charge-offs (x) | 57.1647% | 942 |
| Efficiency ratio | 67.4227% | 3,646 |
| Assets per employee ($millions) | 6.2450% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,440 |
| Loan loss allowance to noncurrent loans | 329.5635% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 4,369 |
| Noncurrent loans to loans | 0.3758% | 4,271 |
| Net loans and leases to total assets | 90.2544% | 60 |
| Net loans and leases to deposits | 122.3370% | 81 |
| Net loans and leases to core deposits | 136.0933% | 202 |
| Total domestic deposits to total assets | 73.7752% | 5,731 |
| Equity capital to assets | 10.0921% | 4,058 |
| Core capital (leverage) ratio | 10.0874% | 3,517 |
| Tier 1 risk-based capital ratio | 13.0712% | 4,394 |
| Total risk-based capital ratio | 14.3245% | 4,307 |
| Memoranda: | ||
| Average total assets | $283,779,750 | 2,260 |
| Average earning assets | $277,461,250 | 2,164 |
| Average equity | $28,212,500 | 2,459 |
| Average total loans | $257,319,000 | 1,690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 817 |
| Cost of funding earning assets | 0.8782% | 319 |
| Net interest margin | 3.9631% | 1,770 |
| Noninterest income to average assets | 0.1547% | 5,782 |
| Noninterest expense to average assets | 2.7833% | 3,304 |
| Loan and lease loss provision to assets | 0.1198% | 1,847 |
| Net operating income to assets | 0.7372% | 3,704 |
| Return on assets (ROA) | 0.7372% | 3,815 |
| Pretax return on assets | 1.1286% | 3,059 |
| Return on Equity (ROE) | 7.4542% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.4542% | 1,497 |
| Net charge-offs to loans | 0.0386% | 2,907 |
| Credit loss provision to net charge-offs | 342.8571% | 845 |
| Earnings coverage of net charge-offs (x) | 35.7347% | 1,216 |
| Efficiency ratio | 69.0363% | 3,487 |
| Assets per employee ($millions) | 5.8399% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 3,486 |
| Loan loss allowance to noncurrent loans | 314.5240% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 4,439 |
| Noncurrent loans to loans | 0.3985% | 4,285 |
| Net loans and leases to total assets | 88.2511% | 128 |
| Net loans and leases to deposits | 118.3977% | 114 |
| Net loans and leases to core deposits | 131.8736% | 248 |
| Total domestic deposits to total assets | 74.5378% | 5,745 |
| Equity capital to assets | 9.9310% | 4,113 |
| Core capital (leverage) ratio | 9.9853% | 3,626 |
| Tier 1 risk-based capital ratio | 13.3592% | 4,304 |
| Total risk-based capital ratio | 14.6132% | 4,232 |
| Memoranda: | ||
| Average total assets | $280,534,330 | 2,300 |
| Average earning assets | $274,433,670 | 2,201 |
| Average equity | $27,742,670 | 2,501 |
| Average total loans | $253,681,000 | 1,720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 816 |
| Cost of funding earning assets | 0.8657% | 351 |
| Net interest margin | 3.9602% | 1,687 |
| Noninterest income to average assets | 0.1267% | 5,968 |
| Noninterest expense to average assets | 2.8316% | 3,131 |
| Loan and lease loss provision to assets | 0.0922% | 2,152 |
| Net operating income to assets | 0.7043% | 3,776 |
| Return on assets (ROA) | 0.7043% | 3,901 |
| Pretax return on assets | 1.0773% | 3,183 |
| Return on Equity (ROE) | 7.1374% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.1374% | 1,950 |
| Net charge-offs to loans | 0.0776% | 1,929 |
| Credit loss provision to net charge-offs | 130.6122% | 1,366 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,562 |
| Efficiency ratio | 70.7703% | 3,361 |
| Assets per employee ($millions) | 6.0442% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,859 |
| Loan loss allowance to noncurrent loans | 275.1553% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 4,405 |
| Noncurrent loans to loans | 0.4425% | 4,267 |
| Net loans and leases to total assets | 88.5598% | 89 |
| Net loans and leases to deposits | 118.7535% | 100 |
| Net loans and leases to core deposits | 133.2913% | 213 |
| Total domestic deposits to total assets | 74.5745% | 5,860 |
| Equity capital to assets | 9.7928% | 4,394 |
| Core capital (leverage) ratio | 9.9152% | 3,723 |
| Tier 1 risk-based capital ratio | 13.1776% | 4,517 |
| Total risk-based capital ratio | 14.4308% | 4,423 |
| Memoranda: | ||
| Average total assets | $277,724,500 | 2,329 |
| Average earning assets | $271,703,000 | 2,236 |
| Average equity | $27,405,000 | 2,545 |
| Average total loans | $252,652,000 | 1,721 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 1,093 |
| Cost of funding earning assets | 0.8183% | 590 |
| Net interest margin | 3.9929% | 1,921 |
| Noninterest income to average assets | 0.2449% | 5,373 |
| Noninterest expense to average assets | 3.0071% | 2,821 |
| Loan and lease loss provision to assets | 0.0746% | 2,992 |
| Net operating income to assets | 0.6908% | 3,943 |
| Return on assets (ROA) | 0.7212% | 3,896 |
| Pretax return on assets | 1.1045% | 3,066 |
| Return on Equity (ROE) | 7.1243% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.1243% | 1,343 |
| Net charge-offs to loans | 0.0236% | 4,367 |
| Credit loss provision to net charge-offs | 355.5556% | 739 |
| Earnings coverage of net charge-offs (x) | 53.9444% | 869 |
| Efficiency ratio | 72.6427% | 3,097 |
| Assets per employee ($millions) | 5.5382% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,816 |
| Loan loss allowance to noncurrent loans | 329.7009% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 4,613 |
| Noncurrent loans to loans | 0.3735% | 4,527 |
| Net loans and leases to total assets | 91.2176% | 41 |
| Net loans and leases to deposits | 121.2452% | 89 |
| Net loans and leases to core deposits | 135.6029% | 196 |
| Total domestic deposits to total assets | 75.2340% | 5,832 |
| Equity capital to assets | 9.9461% | 4,181 |
| Core capital (leverage) ratio | 9.9302% | 3,678 |
| Tier 1 risk-based capital ratio | 13.7546% | 4,265 |
| Total risk-based capital ratio | 15.0093% | 4,198 |
| Memoranda: | ||
| Average total assets | $257,221,600 | 2,460 |
| Average earning assets | $250,892,800 | 2,342 |
| Average equity | $26,037,800 | 2,564 |
| Average total loans | $229,257,600 | 1,826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 1,130 |
| Cost of funding earning assets | 0.8088% | 659 |
| Net interest margin | 3.9761% | 1,944 |
| Noninterest income to average assets | 0.3132% | 4,935 |
| Noninterest expense to average assets | 3.0168% | 2,747 |
| Loan and lease loss provision to assets | 0.0825% | 2,702 |
| Net operating income to assets | 0.7122% | 3,878 |
| Return on assets (ROA) | 0.7531% | 3,751 |
| Pretax return on assets | 1.1500% | 2,986 |
| Return on Equity (ROE) | 7.4056% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.4056% | 1,618 |
| Net charge-offs to loans | 0.0143% | 4,267 |
| Credit loss provision to net charge-offs | 654.1667% | 452 |
| Earnings coverage of net charge-offs (x) | 92.7059% | 625 |
| Efficiency ratio | 72.0653% | 3,161 |
| Assets per employee ($millions) | 5.4720% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,687 |
| Loan loss allowance to noncurrent loans | 411.3485% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 4,909 |
| Noncurrent loans to loans | 0.3140% | 4,969 |
| Net loans and leases to total assets | 89.6447% | 63 |
| Net loans and leases to deposits | 114.9410% | 142 |
| Net loans and leases to core deposits | 129.0780% | 243 |
| Total domestic deposits to total assets | 77.9919% | 5,536 |
| Equity capital to assets | 10.0934% | 4,057 |
| Core capital (leverage) ratio | 9.9130% | 3,799 |
| Tier 1 risk-based capital ratio | 14.1243% | 4,126 |
| Total risk-based capital ratio | 15.3803% | 4,060 |
| Memoranda: | ||
| Average total assets | $253,684,000 | 2,510 |
| Average earning assets | $247,101,750 | 2,386 |
| Average equity | $25,799,500 | 2,598 |
| Average total loans | $223,915,750 | 1,878 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 1,168 |
| Cost of funding earning assets | 0.7934% | 739 |
| Net interest margin | 3.9602% | 1,931 |
| Noninterest income to average assets | 0.3622% | 4,525 |
| Noninterest expense to average assets | 3.0460% | 2,668 |
| Loan and lease loss provision to assets | 0.0750% | 2,778 |
| Net operating income to assets | 0.7210% | 3,729 |
| Return on assets (ROA) | 0.7842% | 3,506 |
| Pretax return on assets | 1.1959% | 2,679 |
| Return on Equity (ROE) | 7.6910% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.6910% | 1,439 |
| Net charge-offs to loans | 0.0219% | 3,770 |
| Credit loss provision to net charge-offs | 391.6667% | 704 |
| Earnings coverage of net charge-offs (x) | 61.3750% | 794 |
| Efficiency ratio | 72.1603% | 3,304 |
| Assets per employee ($millions) | 5.1182% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,739 |
| Loan loss allowance to noncurrent loans | 396.5834% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 4,960 |
| Noncurrent loans to loans | 0.3335% | 5,014 |
| Net loans and leases to total assets | 88.0005% | 100 |
| Net loans and leases to deposits | 113.5337% | 142 |
| Net loans and leases to core deposits | 126.7123% | 258 |
| Total domestic deposits to total assets | 77.5105% | 5,717 |
| Equity capital to assets | 10.1618% | 3,884 |
| Core capital (leverage) ratio | 10.1609% | 3,403 |
| Tier 1 risk-based capital ratio | 14.3366% | 4,038 |
| Total risk-based capital ratio | 15.5931% | 3,971 |
| Memoranda: | ||
| Average total assets | $250,692,670 | 2,537 |
| Average earning assets | $244,278,670 | 2,399 |
| Average equity | $25,562,330 | 2,611 |
| Average total loans | $219,041,000 | 1,909 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 1,254 |
| Cost of funding earning assets | 0.7861% | 799 |
| Net interest margin | 3.9155% | 2,037 |
| Noninterest income to average assets | 0.5111% | 3,324 |
| Noninterest expense to average assets | 3.0635% | 2,645 |
| Loan and lease loss provision to assets | 0.0774% | 2,594 |
| Net operating income to assets | 0.7801% | 3,252 |
| Return on assets (ROA) | 0.9078% | 2,684 |
| Pretax return on assets | 1.3786% | 1,823 |
| Return on Equity (ROE) | 8.8868% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.8868% | 1,285 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8163% | 3,681 |
| Assets per employee ($millions) | 5.2904% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 3,706 |
| Loan loss allowance to noncurrent loans | 447.8326% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,139 |
| Noncurrent loans to loans | 0.3076% | 5,188 |
| Net loans and leases to total assets | 86.2534% | 134 |
| Net loans and leases to deposits | 111.4489% | 126 |
| Net loans and leases to core deposits | 121.3649% | 299 |
| Total domestic deposits to total assets | 77.3928% | 5,916 |
| Equity capital to assets | 10.2863% | 3,494 |
| Core capital (leverage) ratio | 10.2375% | 3,240 |
| Tier 1 risk-based capital ratio | 15.4081% | 3,497 |
| Total risk-based capital ratio | 16.6658% | 3,441 |
| Memoranda: | ||
| Average total assets | $248,084,000 | 2,577 |
| Average earning assets | $241,703,500 | 2,425 |
| Average equity | $25,341,000 | 2,620 |
| Average total loans | $214,451,500 | 1,942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 1,299 |
| Cost of funding earning assets | 0.9493% | 578 |
| Net interest margin | 3.8570% | 2,443 |
| Noninterest income to average assets | 0.1311% | 6,272 |
| Noninterest expense to average assets | 2.7987% | 3,729 |
| Loan and lease loss provision to assets | 0.2205% | 1,656 |
| Net operating income to assets | 0.5704% | 4,410 |
| Return on assets (ROA) | 0.6762% | 4,004 |
| Pretax return on assets | 1.0278% | 3,235 |
| Return on Equity (ROE) | 6.9250% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.9250% | 1,466 |
| Net charge-offs to loans | 0.0626% | 4,338 |
| Credit loss provision to net charge-offs | 429.6875% | 531 |
| Earnings coverage of net charge-offs (x) | 21.2031% | 1,504 |
| Efficiency ratio | 72.0091% | 3,473 |
| Assets per employee ($millions) | 4.9503% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 3,680 |
| Loan loss allowance to noncurrent loans | 456.3467% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 5,276 |
| Noncurrent loans to loans | 0.3055% | 5,274 |
| Net loans and leases to total assets | 84.2322% | 240 |
| Net loans and leases to deposits | 99.9458% | 486 |
| Net loans and leases to core deposits | 107.2750% | 725 |
| Total domestic deposits to total assets | 84.2778% | 4,059 |
| Equity capital to assets | 10.1427% | 3,577 |
| Core capital (leverage) ratio | 9.7592% | 3,899 |
| Tier 1 risk-based capital ratio | 15.5663% | 3,333 |
| Total risk-based capital ratio | 16.8242% | 3,279 |
| Memoranda: | ||
| Average total assets | $249,469,400 | 2,532 |
| Average earning assets | $242,908,600 | 2,403 |
| Average equity | $24,361,000 | 2,695 |
| Average total loans | $204,564,000 | 1,967 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,317 |
| Cost of funding earning assets | 0.9725% | 565 |
| Net interest margin | 3.8417% | 2,499 |
| Noninterest income to average assets | 0.1622% | 6,212 |
| Noninterest expense to average assets | 2.7359% | 3,881 |
| Loan and lease loss provision to assets | 0.2667% | 1,324 |
| Net operating income to assets | 0.5904% | 4,395 |
| Return on assets (ROA) | 0.7020% | 3,982 |
| Pretax return on assets | 1.0668% | 3,234 |
| Return on Equity (ROE) | 7.2580% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.2580% | 1,765 |
| Net charge-offs to loans | 0.0848% | 3,734 |
| Credit loss provision to net charge-offs | 387.5969% | 686 |
| Earnings coverage of net charge-offs (x) | 16.9220% | 1,766 |
| Efficiency ratio | 70.1450% | 3,739 |
| Assets per employee ($millions) | 5.6299% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 3,939 |
| Loan loss allowance to noncurrent loans | 390.9582% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 5,272 |
| Noncurrent loans to loans | 0.3555% | 5,324 |
| Net loans and leases to total assets | 81.1407% | 437 |
| Net loans and leases to deposits | 95.8086% | 705 |
| Net loans and leases to core deposits | 102.9204% | 940 |
| Total domestic deposits to total assets | 84.6904% | 3,889 |
| Equity capital to assets | 9.7966% | 4,188 |
| Core capital (leverage) ratio | 9.5860% | 4,275 |
| Tier 1 risk-based capital ratio | 15.6791% | 3,361 |
| Total risk-based capital ratio | 16.9372% | 3,318 |
| Memoranda: | ||
| Average total assets | $249,957,500 | 2,543 |
| Average earning assets | $243,220,250 | 2,408 |
| Average equity | $24,175,000 | 2,742 |
| Average total loans | $202,845,750 | 1,986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 1,233 |
| Cost of funding earning assets | 0.9930% | 560 |
| Net interest margin | 3.8481% | 2,385 |
| Noninterest income to average assets | 0.1696% | 6,199 |
| Noninterest expense to average assets | 2.7119% | 3,987 |
| Loan and lease loss provision to assets | 0.3014% | 1,196 |
| Net operating income to assets | 0.5922% | 4,330 |
| Return on assets (ROA) | 0.7604% | 3,662 |
| Pretax return on assets | 1.1550% | 2,865 |
| Return on Equity (ROE) | 7.8964% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.8964% | 1,530 |
| Net charge-offs to loans | 0.1343% | 3,031 |
| Credit loss provision to net charge-offs | 277.7778% | 917 |
| Earnings coverage of net charge-offs (x) | 11.0741% | 2,090 |
| Efficiency ratio | 69.2955% | 3,961 |
| Assets per employee ($millions) | 5.7506% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,362 |
| Loan loss allowance to noncurrent loans | 368.3089% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 5,194 |
| Noncurrent loans to loans | 0.3610% | 5,373 |
| Net loans and leases to total assets | 79.3126% | 602 |
| Net loans and leases to deposits | 93.1136% | 872 |
| Net loans and leases to core deposits | 99.5842% | 1,112 |
| Total domestic deposits to total assets | 85.1783% | 3,810 |
| Equity capital to assets | 9.4669% | 4,624 |
| Core capital (leverage) ratio | 9.4717% | 4,288 |
| Tier 1 risk-based capital ratio | 15.5415% | 3,457 |
| Total risk-based capital ratio | 16.7986% | 3,407 |
| Memoranda: | ||
| Average total assets | $248,828,670 | 2,565 |
| Average earning assets | $242,092,670 | 2,429 |
| Average equity | $23,960,330 | 2,778 |
| Average total loans | $200,973,670 | 2,006 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 1,015 |
| Cost of funding earning assets | 0.9916% | 645 |
| Net interest margin | 3.9343% | 2,001 |
| Noninterest income to average assets | 0.2247% | 5,864 |
| Noninterest expense to average assets | 2.7459% | 3,898 |
| Loan and lease loss provision to assets | 0.3691% | 870 |
| Net operating income to assets | 0.6151% | 4,141 |
| Return on assets (ROA) | 0.6151% | 4,302 |
| Pretax return on assets | 0.9366% | 3,629 |
| Return on Equity (ROE) | 6.3314% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.3314% | 2,488 |
| Net charge-offs to loans | 0.1783% | 2,321 |
| Credit loss provision to net charge-offs | 255.6818% | 910 |
| Earnings coverage of net charge-offs (x) | 9.0455% | 1,891 |
| Efficiency ratio | 67.7733% | 4,353 |
| Assets per employee ($millions) | 5.3216% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,587 |
| Loan loss allowance to noncurrent loans | 271.4577% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 4,689 |
| Noncurrent loans to loans | 0.4873% | 5,210 |
| Net loans and leases to total assets | 79.4288% | 478 |
| Net loans and leases to deposits | 93.6344% | 691 |
| Net loans and leases to core deposits | 99.7439% | 964 |
| Total domestic deposits to total assets | 84.8287% | 4,130 |
| Equity capital to assets | 9.6543% | 4,636 |
| Core capital (leverage) ratio | 9.7858% | 3,679 |
| Tier 1 risk-based capital ratio | 15.4805% | 3,535 |
| Total risk-based capital ratio | 16.7375% | 3,494 |
| Memoranda: | ||
| Average total assets | $243,855,000 | 2,646 |
| Average earning assets | $237,194,000 | 2,497 |
| Average equity | $23,691,500 | 2,836 |
| Average total loans | $197,456,500 | 2,046 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 978 |
| Cost of funding earning assets | 1.1705% | 661 |
| Net interest margin | 4.1037% | 1,988 |
| Noninterest income to average assets | 0.1526% | 6,270 |
| Noninterest expense to average assets | 2.8274% | 3,912 |
| Loan and lease loss provision to assets | 0.4648% | 1,347 |
| Net operating income to assets | 0.4864% | 4,739 |
| Return on assets (ROA) | 0.5141% | 4,892 |
| Pretax return on assets | 0.7830% | 4,358 |
| Return on Equity (ROE) | 5.2491% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,538 |
| Net charge-offs to loans | 0.3639% | 2,812 |
| Credit loss provision to net charge-offs | 163.8720% | 1,639 |
| Earnings coverage of net charge-offs (x) | 4.2515% | 3,427 |
| Efficiency ratio | 70.1008% | 3,800 |
| Assets per employee ($millions) | 4.9499% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,607 |
| Loan loss allowance to noncurrent loans | 168.5123% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 3,897 |
| Noncurrent loans to loans | 0.7743% | 4,634 |
| Net loans and leases to total assets | 80.4144% | 433 |
| Net loans and leases to deposits | 95.4732% | 653 |
| Net loans and leases to core deposits | 101.0900% | 955 |
| Total domestic deposits to total assets | 84.2272% | 4,213 |
| Equity capital to assets | 9.7797% | 4,484 |
| Core capital (leverage) ratio | 9.7654% | 3,705 |
| Tier 1 risk-based capital ratio | 15.6247% | 3,363 |
| Total risk-based capital ratio | 16.8809% | 3,318 |
| Memoranda: | ||
| Average total assets | $231,276,600 | 2,708 |
| Average earning assets | $218,706,400 | 2,624 |
| Average equity | $22,651,600 | 2,891 |
| Average total loans | $180,275,200 | 2,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 930 |
| Cost of funding earning assets | 1.2136% | 652 |
| Net interest margin | 4.1325% | 1,965 |
| Noninterest income to average assets | 0.1300% | 6,485 |
| Noninterest expense to average assets | 2.8071% | 3,958 |
| Loan and lease loss provision to assets | 0.4905% | 1,259 |
| Net operating income to assets | 0.4702% | 4,956 |
| Return on assets (ROA) | 0.5073% | 5,081 |
| Pretax return on assets | 0.7726% | 4,588 |
| Return on Equity (ROE) | 5.1778% | 4,737 |
| Retained earnings to average equity (ytd only) | 5.1778% | 3,237 |
| Net charge-offs to loans | 0.3526% | 2,694 |
| Credit loss provision to net charge-offs | 180.5556% | 1,540 |
| Earnings coverage of net charge-offs (x) | 4.4423% | 3,304 |
| Efficiency ratio | 69.9349% | 3,697 |
| Assets per employee ($millions) | 5.2380% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,598 |
| Loan loss allowance to noncurrent loans | 136.7089% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 3,665 |
| Noncurrent loans to loans | 0.9849% | 4,475 |
| Net loans and leases to total assets | 78.9714% | 611 |
| Net loans and leases to deposits | 94.1773% | 783 |
| Net loans and leases to core deposits | 99.8694% | 1,131 |
| Total domestic deposits to total assets | 83.8540% | 4,295 |
| Equity capital to assets | 9.9426% | 4,581 |
| Core capital (leverage) ratio | 9.9290% | 3,651 |
| Tier 1 risk-based capital ratio | 16.3358% | 3,095 |
| Total risk-based capital ratio | 17.5929% | 3,055 |
| Memoranda: | ||
| Average total assets | $229,697,500 | 2,758 |
| Average earning assets | $215,876,000 | 2,687 |
| Average equity | $22,505,500 | 2,938 |
| Average total loans | $176,947,750 | 2,271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 933 |
| Cost of funding earning assets | 1.2370% | 689 |
| Net interest margin | 4.1291% | 1,975 |
| Noninterest income to average assets | 0.0994% | 6,677 |
| Noninterest expense to average assets | 2.7929% | 4,041 |
| Loan and lease loss provision to assets | 0.4751% | 1,339 |
| Net operating income to assets | 0.4690% | 4,960 |
| Return on assets (ROA) | 0.5248% | 4,975 |
| Pretax return on assets | 0.7976% | 4,482 |
| Return on Equity (ROE) | 5.3824% | 4,636 |
| Retained earnings to average equity (ytd only) | 5.3824% | 3,054 |
| Net charge-offs to loans | 0.4219% | 2,347 |
| Credit loss provision to net charge-offs | 148.0978% | 1,869 |
| Earnings coverage of net charge-offs (x) | 3.7038% | 3,298 |
| Efficiency ratio | 70.1555% | 3,746 |
| Assets per employee ($millions) | 4.9902% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,954 |
| Loan loss allowance to noncurrent loans | 123.1931% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 3,574 |
| Noncurrent loans to loans | 1.0430% | 4,435 |
| Net loans and leases to total assets | 74.8125% | 1,128 |
| Net loans and leases to deposits | 88.7501% | 1,285 |
| Net loans and leases to core deposits | 94.2388% | 1,578 |
| Total domestic deposits to total assets | 84.2957% | 4,195 |
| Equity capital to assets | 9.6525% | 4,828 |
| Core capital (leverage) ratio | 9.7841% | 3,735 |
| Tier 1 risk-based capital ratio | 16.9129% | 2,711 |
| Total risk-based capital ratio | 18.1695% | 2,664 |
| Memoranda: | ||
| Average total assets | $229,439,330 | 2,762 |
| Average earning assets | $215,689,330 | 2,693 |
| Average equity | $22,369,000 | 2,940 |
| Average total loans | $174,433,330 | 2,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 858 |
| Cost of funding earning assets | 1.2708% | 713 |
| Net interest margin | 4.1685% | 1,855 |
| Noninterest income to average assets | 0.1851% | 6,272 |
| Noninterest expense to average assets | 2.7837% | 4,107 |
| Loan and lease loss provision to assets | 0.5289% | 1,133 |
| Net operating income to assets | 0.5236% | 4,722 |
| Return on assets (ROA) | 0.6364% | 4,401 |
| Pretax return on assets | 0.9644% | 3,813 |
| Return on Equity (ROE) | 6.4946% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.4946% | 2,688 |
| Net charge-offs to loans | 0.4908% | 1,862 |
| Credit loss provision to net charge-offs | 141.5094% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.5377% | 2,805 |
| Efficiency ratio | 67.7973% | 4,209 |
| Assets per employee ($millions) | 5.3694% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,188 |
| Loan loss allowance to noncurrent loans | 115.0419% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5861% | 3,478 |
| Noncurrent loans to loans | 1.0987% | 4,497 |
| Net loans and leases to total assets | 74.2668% | 1,021 |
| Net loans and leases to deposits | 88.2593% | 1,135 |
| Net loans and leases to core deposits | 94.6715% | 1,400 |
| Total domestic deposits to total assets | 84.1462% | 4,423 |
| Equity capital to assets | 9.6996% | 4,520 |
| Core capital (leverage) ratio | 9.9303% | 3,453 |
| Tier 1 risk-based capital ratio | 17.0719% | 2,654 |
| Total risk-based capital ratio | 18.3273% | 2,614 |
| Memoranda: | ||
| Average total assets | $226,888,500 | 2,805 |
| Average earning assets | $213,409,500 | 2,729 |
| Average equity | $22,234,000 | 2,953 |
| Average total loans | $172,775,000 | 2,335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 1,415 |
| Cost of funding earning assets | 1.4655% | 820 |
| Net interest margin | 3.9372% | 3,168 |
| Noninterest income to average assets | 0.0855% | 6,697 |
| Noninterest expense to average assets | 2.6066% | 5,071 |
| Loan and lease loss provision to assets | 0.5419% | 1,938 |
| Net operating income to assets | 0.4095% | 4,818 |
| Return on assets (ROA) | 0.4312% | 4,931 |
| Pretax return on assets | 0.6834% | 4,393 |
| Return on Equity (ROE) | 4.5521% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.5521% | 2,939 |
| Net charge-offs to loans | 1.0360% | 1,678 |
| Credit loss provision to net charge-offs | 71.3705% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.5784% | 4,588 |
| Efficiency ratio | 68.5052% | 4,253 |
| Assets per employee ($millions) | 5.4364% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,274 |
| Loan loss allowance to noncurrent loans | 57.5369% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 3,250 |
| Noncurrent loans to loans | 2.1305% | 3,031 |
| Net loans and leases to total assets | 76.1701% | 927 |
| Net loans and leases to deposits | 90.9313% | 1,061 |
| Net loans and leases to core deposits | 96.4193% | 1,461 |
| Total domestic deposits to total assets | 83.7666% | 4,428 |
| Equity capital to assets | 9.9030% | 4,304 |
| Core capital (leverage) ratio | 9.5450% | 3,951 |
| Tier 1 risk-based capital ratio | 17.2117% | 2,504 |
| Total risk-based capital ratio | 18.4668% | 2,469 |
| Memoranda: | ||
| Average total assets | $226,808,400 | 2,765 |
| Average earning assets | $214,265,200 | 2,678 |
| Average equity | $21,484,800 | 2,952 |
| Average total loans | $166,220,000 | 2,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 1,632 |
| Cost of funding earning assets | 1.5343% | 760 |
| Net interest margin | 3.8302% | 3,718 |
| Noninterest income to average assets | 0.0855% | 6,813 |
| Noninterest expense to average assets | 2.5795% | 5,153 |
| Loan and lease loss provision to assets | 0.4560% | 2,181 |
| Net operating income to assets | 0.3979% | 5,015 |
| Return on assets (ROA) | 0.4267% | 5,064 |
| Pretax return on assets | 0.7036% | 4,468 |
| Return on Equity (ROE) | 4.5552% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.5552% | 3,476 |
| Net charge-offs to loans | 1.0177% | 1,578 |
| Credit loss provision to net charge-offs | 61.9237% | 4,747 |
| Earnings coverage of net charge-offs (x) | 1.5262% | 4,494 |
| Efficiency ratio | 69.6539% | 4,010 |
| Assets per employee ($millions) | 5.7380% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 5,287 |
| Loan loss allowance to noncurrent loans | 41.8756% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 2,771 |
| Noncurrent loans to loans | 2.9676% | 2,341 |
| Net loans and leases to total assets | 71.6463% | 1,787 |
| Net loans and leases to deposits | 84.6672% | 1,890 |
| Net loans and leases to core deposits | 90.0025% | 2,250 |
| Total domestic deposits to total assets | 84.6211% | 3,958 |
| Equity capital to assets | 9.2733% | 5,420 |
| Core capital (leverage) ratio | 9.3529% | 4,373 |
| Tier 1 risk-based capital ratio | 16.6252% | 2,797 |
| Total risk-based capital ratio | 17.8804% | 2,759 |
| Memoranda: | ||
| Average total assets | $227,787,500 | 2,755 |
| Average earning assets | $215,162,250 | 2,681 |
| Average equity | $21,337,750 | 2,965 |
| Average total loans | $164,804,000 | 2,442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 1,603 |
| Cost of funding earning assets | 1.5560% | 823 |
| Net interest margin | 3.8316% | 3,635 |
| Noninterest income to average assets | 0.0568% | 7,018 |
| Noninterest expense to average assets | 2.5877% | 5,232 |
| Loan and lease loss provision to assets | 0.3862% | 2,480 |
| Net operating income to assets | 0.4097% | 4,897 |
| Return on assets (ROA) | 0.4527% | 4,847 |
| Pretax return on assets | 0.7563% | 4,189 |
| Return on Equity (ROE) | 4.8162% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.8162% | 3,107 |
| Net charge-offs to loans | 1.2404% | 1,259 |
| Credit loss provision to net charge-offs | 43.0693% | 4,757 |
| Earnings coverage of net charge-offs (x) | 1.2149% | 4,378 |
| Efficiency ratio | 70.3766% | 4,038 |
| Assets per employee ($millions) | 5.9169% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,449 |
| Loan loss allowance to noncurrent loans | 43.1218% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.0740% | 3,149 |
| Noncurrent loans to loans | 2.8362% | 2,571 |
| Net loans and leases to total assets | 70.8732% | 2,034 |
| Net loans and leases to deposits | 83.5899% | 2,172 |
| Net loans and leases to core deposits | 89.4667% | 2,443 |
| Total domestic deposits to total assets | 84.7868% | 3,976 |
| Equity capital to assets | 9.3435% | 5,089 |
| Core capital (leverage) ratio | 9.3958% | 4,119 |
| Tier 1 risk-based capital ratio | 16.7575% | 2,625 |
| Total risk-based capital ratio | 18.0123% | 2,579 |
| Memoranda: | ||
| Average total assets | $225,297,670 | 2,803 |
| Average earning assets | $212,859,000 | 2,726 |
| Average equity | $21,178,330 | 2,973 |
| Average total loans | $162,847,330 | 2,498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 1,432 |
| Cost of funding earning assets | 1.5342% | 1,037 |
| Net interest margin | 3.9143% | 3,071 |
| Noninterest income to average assets | 0.0413% | 7,177 |
| Noninterest expense to average assets | 2.6455% | 5,055 |
| Loan and lease loss provision to assets | 0.3684% | 2,352 |
| Net operating income to assets | 0.4062% | 4,920 |
| Return on assets (ROA) | 0.4511% | 4,800 |
| Pretax return on assets | 0.7728% | 4,004 |
| Return on Equity (ROE) | 4.7839% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.7839% | 3,311 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7012% | 4,114 |
| Assets per employee ($millions) | 5.5162% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 3,270 |
| Loan loss allowance to noncurrent loans | 60.6486% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 3,233 |
| Noncurrent loans to loans | 2.8387% | 2,662 |
| Net loans and leases to total assets | 70.7982% | 1,968 |
| Net loans and leases to deposits | 82.8041% | 2,214 |
| Net loans and leases to core deposits | 88.2316% | 2,570 |
| Total domestic deposits to total assets | 85.5008% | 3,781 |
| Equity capital to assets | 9.3507% | 4,649 |
| Core capital (leverage) ratio | 9.4884% | 3,828 |
| Tier 1 risk-based capital ratio | 16.8440% | 2,533 |
| Total risk-based capital ratio | 18.1067% | 2,496 |
| Memoranda: | ||
| Average total assets | $222,566,500 | 2,855 |
| Average earning assets | $210,407,500 | 2,779 |
| Average equity | $20,987,000 | 2,983 |
| Average total loans | $161,485,000 | 2,540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5894% | 1,937 |
| Cost of funding earning assets | 1.9363% | 751 |
| Net interest margin | 3.6532% | 4,560 |
| Noninterest income to average assets | 0.0064% | 7,260 |
| Noninterest expense to average assets | 2.6650% | 5,153 |
| Loan and lease loss provision to assets | 0.5545% | 2,914 |
| Net operating income to assets | -0.0659% | 5,948 |
| Return on assets (ROA) | 0.4008% | 4,673 |
| Pretax return on assets | 0.6768% | 4,057 |
| Return on Equity (ROE) | 4.9704% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.9704% | 2,424 |
| Net charge-offs to loans | 0.5723% | 3,335 |
| Credit loss provision to net charge-offs | 132.2014% | 2,974 |
| Earnings coverage of net charge-offs (x) | 1.7939% | 4,374 |
| Efficiency ratio | 77.9822% | 2,713 |
| Assets per employee ($millions) | 5.7623% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,488 |
| Loan loss allowance to noncurrent loans | 57.2183% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.1304% | 3,174 |
| Noncurrent loans to loans | 2.8392% | 2,680 |
| Net loans and leases to total assets | 71.9029% | 2,122 |
| Net loans and leases to deposits | 84.3278% | 2,400 |
| Net loans and leases to core deposits | 90.1964% | 2,741 |
| Total domestic deposits to total assets | 85.2660% | 3,729 |
| Equity capital to assets | 9.5109% | 4,389 |
| Core capital (leverage) ratio | 9.5948% | 3,564 |
| Tier 1 risk-based capital ratio | 16.6637% | 2,471 |
| Total risk-based capital ratio | 17.9244% | 2,431 |
| Memoranda: | ||
| Average total assets | $203,601,400 | 3,059 |
| Average earning assets | $190,109,000 | 3,003 |
| Average equity | $16,417,200 | 3,685 |
| Average total loans | $149,228,400 | 2,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 1,956 |
| Cost of funding earning assets | 2.0286% | 694 |
| Net interest margin | 3.5995% | 4,878 |
| Noninterest income to average assets | -0.0394% | 7,490 |
| Noninterest expense to average assets | 2.6858% | 4,941 |
| Loan and lease loss provision to assets | 0.6094% | 2,497 |
| Net operating income to assets | -0.2420% | 6,373 |
| Return on assets (ROA) | 0.3831% | 5,007 |
| Pretax return on assets | 0.6561% | 4,401 |
| Return on Equity (ROE) | 4.9971% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.9971% | 2,991 |
| Net charge-offs to loans | 0.7771% | 2,491 |
| Credit loss provision to net charge-offs | 106.9087% | 4,000 |
| Earnings coverage of net charge-offs (x) | 1.0948% | 4,962 |
| Efficiency ratio | 81.1454% | 2,178 |
| Assets per employee ($millions) | 5.3072% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,841 |
| Loan loss allowance to noncurrent loans | 61.7937% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 3,632 |
| Noncurrent loans to loans | 2.4707% | 3,155 |
| Net loans and leases to total assets | 72.4332% | 2,156 |
| Net loans and leases to deposits | 83.2785% | 2,848 |
| Net loans and leases to core deposits | 90.4560% | 3,033 |
| Total domestic deposits to total assets | 86.9771% | 2,547 |
| Equity capital to assets | 7.3674% | 7,199 |
| Core capital (leverage) ratio | 7.4034% | 6,936 |
| Tier 1 risk-based capital ratio | 12.6241% | 4,873 |
| Total risk-based capital ratio | 13.8831% | 4,850 |
| Memoranda: | ||
| Average total assets | $199,759,500 | 3,143 |
| Average earning assets | $185,872,250 | 3,099 |
| Average equity | $15,315,000 | 3,932 |
| Average total loans | $146,524,250 | 2,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 1,952 |
| Cost of funding earning assets | 2.0977% | 662 |
| Net interest margin | 3.5501% | 5,045 |
| Noninterest income to average assets | -0.1176% | 7,640 |
| Noninterest expense to average assets | 2.7855% | 4,555 |
| Loan and lease loss provision to assets | 0.7536% | 1,917 |
| Net operating income to assets | -0.6125% | 6,751 |
| Return on assets (ROA) | 0.3548% | 5,110 |
| Pretax return on assets | 0.6074% | 4,547 |
| Return on Equity (ROE) | 4.5638% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.5638% | 3,170 |
| Net charge-offs to loans | 1.1681% | 1,625 |
| Credit loss provision to net charge-offs | 88.0526% | 4,481 |
| Earnings coverage of net charge-offs (x) | 0.4600% | 5,253 |
| Efficiency ratio | 87.6166% | 1,546 |
| Assets per employee ($millions) | 5.3396% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,926 |
| Loan loss allowance to noncurrent loans | 104.1667% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0925% | 4,951 |
| Noncurrent loans to loans | 1.4424% | 4,550 |
| Net loans and leases to total assets | 70.0444% | 2,888 |
| Net loans and leases to deposits | 80.5705% | 3,508 |
| Net loans and leases to core deposits | 87.8588% | 3,564 |
| Total domestic deposits to total assets | 86.9356% | 2,561 |
| Equity capital to assets | 7.3793% | 7,176 |
| Core capital (leverage) ratio | 7.6241% | 6,703 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,252 |
| Total risk-based capital ratio | 14.5078% | 4,200 |
| Memoranda: | ||
| Average total assets | $195,583,330 | 3,226 |
| Average earning assets | $181,628,670 | 3,177 |
| Average equity | $15,206,670 | 3,950 |
| Average total loans | $143,315,330 | 2,950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 1,798 |
| Cost of funding earning assets | 2.1553% | 679 |
| Net interest margin | 3.5398% | 4,993 |
| Noninterest income to average assets | 0.1416% | 6,961 |
| Noninterest expense to average assets | 3.0583% | 3,444 |
| Loan and lease loss provision to assets | 1.1794% | 1,035 |
| Net operating income to assets | -1.0737% | 7,151 |
| Return on assets (ROA) | 0.3614% | 5,143 |
| Pretax return on assets | 0.6193% | 4,532 |
| Return on Equity (ROE) | 4.5219% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.5219% | 3,443 |
| Net charge-offs to loans | 1.9414% | 887 |
| Credit loss provision to net charge-offs | 81.5789% | 3,839 |
| Earnings coverage of net charge-offs (x) | 0.2515% | 4,821 |
| Efficiency ratio | 89.3762% | 1,478 |
| Assets per employee ($millions) | 5.2996% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 3,766 |
| Loan loss allowance to noncurrent loans | 95.1125% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9033% | 3,630 |
| Noncurrent loans to loans | 1.6054% | 4,335 |
| Net loans and leases to total assets | 72.3256% | 2,378 |
| Net loans and leases to deposits | 84.3664% | 2,875 |
| Net loans and leases to core deposits | 92.6746% | 3,018 |
| Total domestic deposits to total assets | 85.7281% | 3,294 |
| Equity capital to assets | 7.7589% | 6,878 |
| Core capital (leverage) ratio | 8.0360% | 6,186 |
| Tier 1 risk-based capital ratio | 13.1170% | 4,252 |
| Total risk-based capital ratio | 14.3754% | 4,210 |
| Memoranda: | ||
| Average total assets | $189,252,500 | 3,374 |
| Average earning assets | $175,379,000 | 3,315 |
| Average equity | $15,126,500 | 3,993 |
| Average total loans | $140,928,500 | 3,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 2,047 |
| Cost of funding earning assets | 2.7489% | 517 |
| Net interest margin | 3.2026% | 6,083 |
| Noninterest income to average assets | 0.1943% | 6,713 |
| Noninterest expense to average assets | 3.0517% | 3,939 |
| Loan and lease loss provision to assets | 0.9029% | 2,491 |
| Net operating income to assets | 0.1899% | 4,930 |
| Return on assets (ROA) | 0.3163% | 4,554 |
| Pretax return on assets | -0.6065% | 6,102 |
| Return on Equity (ROE) | 3.4623% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.4623% | 2,745 |
| Net charge-offs to loans | 0.3668% | 4,387 |
| Credit loss provision to net charge-offs | 315.2174% | 1,035 |
| Earnings coverage of net charge-offs (x) | 0.5370% | 5,577 |
| Efficiency ratio | 95.2020% | 1,341 |
| Assets per employee ($millions) | 4.9303% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,938 |
| Loan loss allowance to noncurrent loans | 75.2427% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 3,824 |
| Noncurrent loans to loans | 2.2417% | 3,347 |
| Net loans and leases to total assets | 74.2864% | 2,202 |
| Net loans and leases to deposits | 87.8199% | 2,587 |
| Net loans and leases to core deposits | 118.0487% | 2,123 |
| Total domestic deposits to total assets | 84.5895% | 3,762 |
| Equity capital to assets | 8.2441% | 6,281 |
| Core capital (leverage) ratio | 8.4647% | 5,334 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,572 |
| Total risk-based capital ratio | 15.1479% | 3,517 |
| Memoranda: | ||
| Average total assets | $160,600,000 | 3,762 |
| Average earning assets | $151,004,400 | 3,691 |
| Average equity | $14,672,200 | 4,119 |
| Average total loans | $125,413,600 | 3,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0107% | 1,993 |
| Cost of funding earning assets | 2.8623% | 514 |
| Net interest margin | 3.1484% | 6,182 |
| Noninterest income to average assets | 0.1753% | 6,960 |
| Noninterest expense to average assets | 2.9245% | 4,344 |
| Loan and lease loss provision to assets | 0.1470% | 5,886 |
| Net operating income to assets | 0.0730% | 5,549 |
| Return on assets (ROA) | 0.0945% | 5,538 |
| Pretax return on assets | 0.0945% | 5,541 |
| Return on Equity (ROE) | 1.0059% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.0059% | 4,751 |
| Net charge-offs to loans | 0.3227% | 4,022 |
| Credit loss provision to net charge-offs | 57.7703% | 6,204 |
| Earnings coverage of net charge-offs (x) | 0.8648% | 5,191 |
| Efficiency ratio | 93.0036% | 1,465 |
| Assets per employee ($millions) | 5.1798% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 6,733 |
| Loan loss allowance to noncurrent loans | 59.0244% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1993% | 4,675 |
| Noncurrent loans to loans | 1.5358% | 4,339 |
| Net loans and leases to total assets | 77.3794% | 1,704 |
| Net loans and leases to deposits | 91.3181% | 2,343 |
| Net loans and leases to core deposits | 123.6660% | 1,936 |
| Total domestic deposits to total assets | 84.7361% | 3,351 |
| Equity capital to assets | 8.5823% | 6,133 |
| Core capital (leverage) ratio | 8.8001% | 4,972 |
| Tier 1 risk-based capital ratio | 13.7711% | 3,676 |
| Total risk-based capital ratio | 14.9643% | 3,652 |
| Memoranda: | ||
| Average total assets | $155,144,750 | 3,892 |
| Average earning assets | $146,313,000 | 3,790 |
| Average equity | $14,580,500 | 4,173 |
| Average total loans | $122,307,250 | 3,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 1,982 |
| Cost of funding earning assets | 2.9507% | 540 |
| Net interest margin | 3.0994% | 6,242 |
| Noninterest income to average assets | 0.1988% | 6,868 |
| Noninterest expense to average assets | 2.9743% | 4,187 |
| Loan and lease loss provision to assets | 0.0774% | 6,416 |
| Net operating income to assets | 0.0681% | 5,654 |
| Return on assets (ROA) | 0.0681% | 5,746 |
| Pretax return on assets | 0.0681% | 5,745 |
| Return on Equity (ROE) | 0.7010% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.7010% | 4,913 |
| Net charge-offs to loans | 0.4992% | 2,833 |
| Credit loss provision to net charge-offs | 19.5946% | 6,134 |
| Earnings coverage of net charge-offs (x) | 0.3682% | 5,314 |
| Efficiency ratio | 95.3379% | 1,419 |
| Assets per employee ($millions) | 4.5103% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,809 |
| Loan loss allowance to noncurrent loans | 82.5433% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 5,307 |
| Noncurrent loans to loans | 1.0810% | 5,040 |
| Net loans and leases to total assets | 77.1834% | 1,917 |
| Net loans and leases to deposits | 92.3668% | 2,400 |
| Net loans and leases to core deposits | 126.2444% | 1,846 |
| Total domestic deposits to total assets | 83.5619% | 3,982 |
| Equity capital to assets | 9.2234% | 4,972 |
| Core capital (leverage) ratio | 9.4823% | 3,916 |
| Tier 1 risk-based capital ratio | 13.7679% | 3,642 |
| Total risk-based capital ratio | 14.8580% | 3,676 |
| Memoranda: | ||
| Average total assets | $149,882,000 | 3,991 |
| Average earning assets | $141,255,330 | 3,923 |
| Average equity | $14,550,670 | 4,192 |
| Average total loans | $118,584,000 | 3,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 2,220 |
| Cost of funding earning assets | 2.9663% | 655 |
| Net interest margin | 3.0677% | 6,286 |
| Noninterest income to average assets | 0.1618% | 7,150 |
| Noninterest expense to average assets | 2.8816% | 4,224 |
| Loan and lease loss provision to assets | 0.0850% | 5,866 |
| Net operating income to assets | 0.0987% | 5,981 |
| Return on assets (ROA) | 0.0987% | 6,150 |
| Pretax return on assets | 0.0987% | 6,171 |
| Return on Equity (ROE) | 0.9900% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.9900% | 5,248 |
| Net charge-offs to loans | 1.0171% | 1,324 |
| Credit loss provision to net charge-offs | 10.4730% | 5,195 |
| Earnings coverage of net charge-offs (x) | 0.2264% | 4,800 |
| Efficiency ratio | 94.0072% | 1,434 |
| Assets per employee ($millions) | 4.4598% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 6,703 |
| Loan loss allowance to noncurrent loans | 79.2593% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 4,966 |
| Noncurrent loans to loans | 1.1477% | 4,697 |
| Net loans and leases to total assets | 76.8670% | 2,072 |
| Net loans and leases to deposits | 95.4250% | 2,052 |
| Net loans and leases to core deposits | 128.0177% | 1,785 |
| Total domestic deposits to total assets | 80.5523% | 5,154 |
| Equity capital to assets | 9.6075% | 4,517 |
| Core capital (leverage) ratio | 9.9950% | 3,419 |
| Tier 1 risk-based capital ratio | 14.0555% | 3,553 |
| Total risk-based capital ratio | 15.1551% | 3,571 |
| Memoranda: | ||
| Average total assets | $145,893,500 | 4,077 |
| Average earning assets | $138,085,000 | 3,996 |
| Average equity | $14,546,000 | 4,218 |
| Average total loans | $116,407,000 | 3,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4634% | 3,148 |
| Cost of funding earning assets | 3.1611% | 1,314 |
| Net interest margin | 3.3023% | 6,030 |
| Noninterest income to average assets | 0.2392% | 6,734 |
| Noninterest expense to average assets | 3.2577% | 3,129 |
| Loan and lease loss provision to assets | 0.6559% | 2,216 |
| Net operating income to assets | -0.4993% | 6,925 |
| Return on assets (ROA) | -0.4993% | 6,803 |
| Pretax return on assets | -0.4993% | 6,652 |
| Return on Equity (ROE) | -3.8712% | 6,726 |
| Retained earnings to average equity (ytd only) | -3.8712% | 6,294 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4140% | 1,191 |
| Assets per employee ($millions) | 4.2471% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.2343% | 1,377 |
| Net loans and leases to deposits | 103.5761% | 1,386 |
| Net loans and leases to core deposits | 140.4426% | 1,242 |
| Total domestic deposits to total assets | 78.4296% | 5,573 |
| Equity capital to assets | 10.3628% | 3,654 |
| Core capital (leverage) ratio | 10.6977% | 2,825 |
| Tier 1 risk-based capital ratio | 14.3406% | 3,370 |
| Total risk-based capital ratio | 15.5926% | 3,292 |
| Memoranda: | ||
| Average total assets | $114,957,600 | 4,639 |
| Average earning assets | $110,530,400 | 4,500 |
| Average equity | $14,827,400 | 4,177 |
| Average total loans | $94,755,800 | 4,086 |