Home > First Choice Bank > Performance and Condition Ratios
First Choice 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 | 3.3455% | 5,134 |
| Cost of funding earning assets | 0.7995% | 508 |
| Net interest margin | 2.5460% | 5,629 |
| Noninterest income to average assets | 7.7726% | 77 |
| Noninterest expense to average assets | 8.4726% | 94 |
| Loan and lease loss provision to assets | 0.1682% | 1,355 |
| Net operating income to assets | 0.9798% | 2,519 |
| Return on assets (ROA) | 1.0815% | 2,184 |
| Pretax return on assets | 1.6910% | 1,136 |
| Return on Equity (ROE) | 11.2469% | 1,576 |
| Retained earnings to average equity (ytd only) | 9.1611% | 771 |
| Net charge-offs to loans | -0.0383% | 5,272 |
| Credit loss provision to net charge-offs | -872.6708% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1970% | 1,054 |
| Assets per employee ($millions) | 2.2424% | 5,819 |
| Cash dividends to net income (ytd only)* | 18.5452% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4666% | 343 |
| Loan loss allowance to noncurrent loans | 55.9683% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.3431% | 604 |
| Noncurrent loans to loans | 4.4071% | 223 |
| Net loans and leases to total assets | 51.5716% | 4,685 |
| Net loans and leases to deposits | 64.4069% | 4,456 |
| Net loans and leases to core deposits | 74.0286% | 4,000 |
| Total domestic deposits to total assets | 80.0715% | 4,498 |
| Equity capital to assets | 10.2143% | 3,897 |
| Core capital (leverage) ratio | 9.8466% | 3,753 |
| Tier 1 risk-based capital ratio | 17.8974% | 1,953 |
| Total risk-based capital ratio | 19.1625% | 1,914 |
| Memoranda: | ||
| Average total assets | $1,113,526,250 | 647 |
| Average earning assets | $1,049,816,750 | 626 |
| Average equity | $107,072,750 | 748 |
| Average total loans | $560,223,250 | 884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2900% | 5,304 |
| Cost of funding earning assets | 0.7873% | 527 |
| Net interest margin | 2.5027% | 5,741 |
| Noninterest income to average assets | 7.2384% | 86 |
| Noninterest expense to average assets | 7.9500% | 107 |
| Loan and lease loss provision to assets | 0.2517% | 766 |
| Net operating income to assets | 0.8930% | 2,893 |
| Return on assets (ROA) | 1.0451% | 2,327 |
| Pretax return on assets | 1.6332% | 1,273 |
| Return on Equity (ROE) | 11.0973% | 1,601 |
| Retained earnings to average equity (ytd only) | 8.6507% | 951 |
| Net charge-offs to loans | 0.0797% | 2,055 |
| Credit loss provision to net charge-offs | 638.6364% | 536 |
| Earnings coverage of net charge-offs (x) | 41.7864% | 1,125 |
| Efficiency ratio | 82.7396% | 1,180 |
| Assets per employee ($millions) | 2.2111% | 5,890 |
| Cash dividends to net income (ytd only)* | 22.0470% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4537% | 383 |
| Loan loss allowance to noncurrent loans | 53.5110% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3823% | 610 |
| Noncurrent loans to loans | 4.5854% | 215 |
| Net loans and leases to total assets | 50.6797% | 4,798 |
| Net loans and leases to deposits | 63.9555% | 4,492 |
| Net loans and leases to core deposits | 75.0669% | 3,902 |
| Total domestic deposits to total assets | 79.2422% | 4,723 |
| Equity capital to assets | 10.1400% | 4,040 |
| Core capital (leverage) ratio | 9.4290% | 4,298 |
| Tier 1 risk-based capital ratio | 17.3715% | 2,108 |
| Total risk-based capital ratio | 18.6372% | 2,067 |
| Memoranda: | ||
| Average total assets | $1,116,207,000 | 644 |
| Average earning assets | $1,051,979,330 | 622 |
| Average equity | $105,124,670 | 758 |
| Average total loans | $552,119,670 | 894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2582% | 5,403 |
| Cost of funding earning assets | 0.7711% | 576 |
| Net interest margin | 2.4871% | 5,815 |
| Noninterest income to average assets | 5.5770% | 107 |
| Noninterest expense to average assets | 7.0222% | 138 |
| Loan and lease loss provision to assets | 0.4378% | 296 |
| Net operating income to assets | 0.3053% | 5,290 |
| Return on assets (ROA) | 0.3232% | 5,315 |
| Pretax return on assets | 0.4873% | 5,117 |
| Return on Equity (ROE) | 3.5657% | 5,041 |
| Retained earnings to average equity (ytd only) | 0.0314% | 5,098 |
| Net charge-offs to loans | 0.6279% | 352 |
| Credit loss provision to net charge-offs | 144.5358% | 1,301 |
| Earnings coverage of net charge-offs (x) | 2.9647% | 2,607 |
| Efficiency ratio | 88.5443% | 771 |
| Assets per employee ($millions) | 2.2584% | 5,938 |
| Cash dividends to net income (ytd only)* | 99.1189% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 424 |
| Loan loss allowance to noncurrent loans | 43.4230% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.7216% | 515 |
| Noncurrent loans to loans | 5.5930% | 164 |
| Net loans and leases to total assets | 47.2622% | 5,023 |
| Net loans and leases to deposits | 58.6480% | 4,806 |
| Net loans and leases to core deposits | 69.1195% | 4,306 |
| Total domestic deposits to total assets | 80.5862% | 4,612 |
| Equity capital to assets | 9.0823% | 5,097 |
| Core capital (leverage) ratio | 9.0822% | 4,755 |
| Tier 1 risk-based capital ratio | 16.8327% | 2,353 |
| Total risk-based capital ratio | 18.0976% | 2,291 |
| Memoranda: | ||
| Average total assets | $1,123,752,000 | 645 |
| Average earning assets | $1,058,751,000 | 628 |
| Average equity | $101,860,500 | 782 |
| Average total loans | $542,139,500 | 903 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 5,295 |
| Cost of funding earning assets | 0.7992% | 492 |
| Net interest margin | 2.5305% | 5,805 |
| Noninterest income to average assets | 6.0218% | 107 |
| Noninterest expense to average assets | 7.6909% | 118 |
| Loan and lease loss provision to assets | 0.4516% | 270 |
| Net operating income to assets | 0.1922% | 5,595 |
| Return on assets (ROA) | 0.1997% | 5,639 |
| Pretax return on assets | 0.2759% | 5,572 |
| Return on Equity (ROE) | 2.2926% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.7782% | 5,209 |
| Net charge-offs to loans | 1.1477% | 154 |
| Credit loss provision to net charge-offs | 78.8041% | 2,970 |
| Earnings coverage of net charge-offs (x) | 1.2514% | 4,120 |
| Efficiency ratio | 91.3546% | 607 |
| Assets per employee ($millions) | 2.1387% | 6,018 |
| Cash dividends to net income (ytd only)* | 66.0547% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 466 |
| Loan loss allowance to noncurrent loans | 37.6483% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 3.0779% | 419 |
| Noncurrent loans to loans | 6.3277% | 125 |
| Net loans and leases to total assets | 46.9038% | 5,103 |
| Net loans and leases to deposits | 58.4114% | 4,888 |
| Net loans and leases to core deposits | 69.4404% | 4,340 |
| Total domestic deposits to total assets | 80.2991% | 4,666 |
| Equity capital to assets | 9.0463% | 5,083 |
| Core capital (leverage) ratio | 9.0328% | 4,846 |
| Tier 1 risk-based capital ratio | 17.3326% | 2,169 |
| Total risk-based capital ratio | 18.5962% | 2,119 |
| Memoranda: | ||
| Average total assets | $1,173,045,000 | 600 |
| Average earning assets | $1,106,216,200 | 582 |
| Average equity | $102,153,800 | 755 |
| Average total loans | $585,771,000 | 800 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,340 |
| Cost of funding earning assets | 0.8029% | 487 |
| Net interest margin | 2.5384% | 5,888 |
| Noninterest income to average assets | 6.8102% | 98 |
| Noninterest expense to average assets | 7.9331% | 113 |
| Loan and lease loss provision to assets | 0.6091% | 147 |
| Net operating income to assets | 0.4151% | 5,107 |
| Return on assets (ROA) | 0.4159% | 5,192 |
| Pretax return on assets | 0.6627% | 4,797 |
| Return on Equity (ROE) | 4.8197% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.3079% | 4,115 |
| Net charge-offs to loans | 1.4758% | 100 |
| Credit loss provision to net charge-offs | 81.9117% | 2,585 |
| Earnings coverage of net charge-offs (x) | 1.7087% | 3,791 |
| Efficiency ratio | 86.0877% | 999 |
| Assets per employee ($millions) | 2.1084% | 6,108 |
| Cash dividends to net income (ytd only)* | 31.3684% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 571 |
| Loan loss allowance to noncurrent loans | 44.1136% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.5996% | 642 |
| Noncurrent loans to loans | 5.2273% | 187 |
| Net loans and leases to total assets | 47.8777% | 5,088 |
| Net loans and leases to deposits | 59.1343% | 4,916 |
| Net loans and leases to core deposits | 69.5690% | 4,411 |
| Total domestic deposits to total assets | 80.9643% | 4,483 |
| Equity capital to assets | 8.9763% | 5,325 |
| Core capital (leverage) ratio | 8.9325% | 5,078 |
| Tier 1 risk-based capital ratio | 16.7488% | 2,458 |
| Total risk-based capital ratio | 18.0106% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,185,605,750 | 600 |
| Average earning assets | $1,117,883,000 | 578 |
| Average equity | $102,299,250 | 760 |
| Average total loans | $597,341,500 | 788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 5,465 |
| Cost of funding earning assets | 0.8018% | 493 |
| Net interest margin | 2.4829% | 5,978 |
| Noninterest income to average assets | 7.0312% | 97 |
| Noninterest expense to average assets | 8.1010% | 111 |
| Loan and lease loss provision to assets | 0.6579% | 131 |
| Net operating income to assets | 0.3801% | 5,204 |
| Return on assets (ROA) | 0.3801% | 5,319 |
| Pretax return on assets | 0.6174% | 4,937 |
| Return on Equity (ROE) | 4.4632% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.9421% | 4,161 |
| Net charge-offs to loans | 1.5368% | 114 |
| Credit loss provision to net charge-offs | 84.2297% | 2,283 |
| Earnings coverage of net charge-offs (x) | 1.6327% | 3,480 |
| Efficiency ratio | 86.2911% | 1,039 |
| Assets per employee ($millions) | 2.2274% | 6,162 |
| Cash dividends to net income (ytd only)* | 34.0819% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1787% | 761 |
| Loan loss allowance to noncurrent loans | 52.6355% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 966 |
| Noncurrent loans to loans | 4.1393% | 357 |
| Net loans and leases to total assets | 50.4538% | 4,892 |
| Net loans and leases to deposits | 65.6746% | 4,368 |
| Net loans and leases to core deposits | 76.7054% | 3,699 |
| Total domestic deposits to total assets | 76.8239% | 5,485 |
| Equity capital to assets | 8.4773% | 5,706 |
| Core capital (leverage) ratio | 8.6169% | 5,419 |
| Tier 1 risk-based capital ratio | 15.5821% | 3,056 |
| Total risk-based capital ratio | 16.8438% | 2,999 |
| Memoranda: | ||
| Average total assets | $1,194,967,330 | 592 |
| Average earning assets | $1,128,675,000 | 572 |
| Average equity | $101,765,000 | 765 |
| Average total loans | $607,363,670 | 777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 5,553 |
| Cost of funding earning assets | 0.8036% | 488 |
| Net interest margin | 2.4474% | 6,071 |
| Noninterest income to average assets | 6.7140% | 104 |
| Noninterest expense to average assets | 7.7642% | 126 |
| Loan and lease loss provision to assets | 0.6295% | 147 |
| Net operating income to assets | 0.4073% | 5,046 |
| Return on assets (ROA) | 0.4073% | 5,156 |
| Pretax return on assets | 0.6312% | 4,827 |
| Return on Equity (ROE) | 4.7138% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.2099% | 4,065 |
| Net charge-offs to loans | 1.2548% | 167 |
| Credit loss provision to net charge-offs | 99.4168% | 1,670 |
| Earnings coverage of net charge-offs (x) | 1.9910% | 2,838 |
| Efficiency ratio | 85.9189% | 1,187 |
| Assets per employee ($millions) | 2.2962% | 6,194 |
| Cash dividends to net income (ytd only)* | 31.9044% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4283% | 588 |
| Loan loss allowance to noncurrent loans | 49.0325% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 2.4956% | 862 |
| Noncurrent loans to loans | 4.9525% | 274 |
| Net loans and leases to total assets | 48.5672% | 4,976 |
| Net loans and leases to deposits | 61.2255% | 4,642 |
| Net loans and leases to core deposits | 69.3661% | 4,215 |
| Total domestic deposits to total assets | 79.3251% | 5,209 |
| Equity capital to assets | 8.6650% | 5,602 |
| Core capital (leverage) ratio | 8.5008% | 5,517 |
| Tier 1 risk-based capital ratio | 15.8031% | 3,015 |
| Total risk-based capital ratio | 17.0707% | 2,941 |
| Memoranda: | ||
| Average total assets | $1,191,364,500 | 590 |
| Average earning assets | $1,124,934,500 | 570 |
| Average equity | $102,931,000 | 755 |
| Average total loans | $601,221,000 | 780 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 5,358 |
| Cost of funding earning assets | 0.8808% | 439 |
| Net interest margin | 2.5998% | 6,073 |
| Noninterest income to average assets | 5.8789% | 105 |
| Noninterest expense to average assets | 6.8320% | 146 |
| Loan and lease loss provision to assets | 0.8608% | 144 |
| Net operating income to assets | 0.4649% | 4,944 |
| Return on assets (ROA) | 0.5075% | 4,868 |
| Pretax return on assets | 0.7099% | 4,583 |
| Return on Equity (ROE) | 5.8871% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.8752% | 3,463 |
| Net charge-offs to loans | 0.6420% | 606 |
| Credit loss provision to net charge-offs | 253.1182% | 1,006 |
| Earnings coverage of net charge-offs (x) | 4.4422% | 3,649 |
| Efficiency ratio | 81.8275% | 1,684 |
| Assets per employee ($millions) | 2.3036% | 6,270 |
| Cash dividends to net income (ytd only)* | 34.1751% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 1,115 |
| Loan loss allowance to noncurrent loans | 47.5278% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 1,092 |
| Noncurrent loans to loans | 4.2097% | 416 |
| Net loans and leases to total assets | 50.1180% | 4,961 |
| Net loans and leases to deposits | 65.7216% | 4,356 |
| Net loans and leases to core deposits | 75.0997% | 3,812 |
| Total domestic deposits to total assets | 76.2580% | 5,695 |
| Equity capital to assets | 8.6150% | 5,638 |
| Core capital (leverage) ratio | 8.6600% | 5,380 |
| Tier 1 risk-based capital ratio | 17.3623% | 2,368 |
| Total risk-based capital ratio | 18.6200% | 2,329 |
| Memoranda: | ||
| Average total assets | $1,084,446,000 | 620 |
| Average earning assets | $1,027,675,000 | 597 |
| Average equity | $93,492,200 | 789 |
| Average total loans | $574,479,800 | 770 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 5,323 |
| Cost of funding earning assets | 0.8859% | 449 |
| Net interest margin | 2.6446% | 6,078 |
| Noninterest income to average assets | 6.3757% | 98 |
| Noninterest expense to average assets | 7.2346% | 134 |
| Loan and lease loss provision to assets | 0.2250% | 1,007 |
| Net operating income to assets | 0.9317% | 2,772 |
| Return on assets (ROA) | 0.9317% | 2,859 |
| Pretax return on assets | 1.4216% | 1,924 |
| Return on Equity (ROE) | 10.8051% | 1,871 |
| Retained earnings to average equity (ytd only) | 9.3717% | 883 |
| Net charge-offs to loans | 0.1994% | 1,868 |
| Credit loss provision to net charge-offs | 210.9005% | 1,222 |
| Earnings coverage of net charge-offs (x) | 15.4360% | 2,048 |
| Efficiency ratio | 81.4202% | 1,683 |
| Assets per employee ($millions) | 2.0484% | 6,435 |
| Cash dividends to net income (ytd only)* | 13.2664% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 3,543 |
| Loan loss allowance to noncurrent loans | 39.2180% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.7071% | 1,763 |
| Noncurrent loans to loans | 3.3679% | 731 |
| Net loans and leases to total assets | 48.9291% | 5,115 |
| Net loans and leases to deposits | 62.0490% | 4,737 |
| Net loans and leases to core deposits | 73.0526% | 4,044 |
| Total domestic deposits to total assets | 78.8556% | 5,357 |
| Equity capital to assets | 9.0639% | 5,287 |
| Core capital (leverage) ratio | 9.5927% | 4,256 |
| Tier 1 risk-based capital ratio | 18.0403% | 2,200 |
| Total risk-based capital ratio | 19.2881% | 2,154 |
| Memoranda: | ||
| Average total assets | $1,054,936,750 | 631 |
| Average earning assets | $999,432,250 | 604 |
| Average equity | $90,966,750 | 812 |
| Average total loans | $564,358,750 | 784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 5,318 |
| Cost of funding earning assets | 0.8920% | 448 |
| Net interest margin | 2.6457% | 6,121 |
| Noninterest income to average assets | 6.5034% | 95 |
| Noninterest expense to average assets | 7.3568% | 127 |
| Loan and lease loss provision to assets | 0.2196% | 1,057 |
| Net operating income to assets | 0.9456% | 2,569 |
| Return on assets (ROA) | 0.9456% | 2,672 |
| Pretax return on assets | 1.4340% | 1,767 |
| Return on Equity (ROE) | 11.1825% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.7519% | 779 |
| Net charge-offs to loans | 0.0182% | 3,856 |
| Credit loss provision to net charge-offs | 2,196.0784% | 166 |
| Earnings coverage of net charge-offs (x) | 165.3725% | 376 |
| Efficiency ratio | 81.6485% | 1,789 |
| Assets per employee ($millions) | 1.9397% | 6,522 |
| Cash dividends to net income (ytd only)* | 12.7929% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 3,981 |
| Loan loss allowance to noncurrent loans | 34.1209% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0870% | 1,501 |
| Noncurrent loans to loans | 3.7443% | 666 |
| Net loans and leases to total assets | 53.9973% | 4,541 |
| Net loans and leases to deposits | 66.9141% | 4,169 |
| Net loans and leases to core deposits | 80.3117% | 3,175 |
| Total domestic deposits to total assets | 80.6965% | 5,068 |
| Equity capital to assets | 8.1544% | 6,061 |
| Core capital (leverage) ratio | 8.9099% | 5,148 |
| Tier 1 risk-based capital ratio | 14.0478% | 4,229 |
| Total risk-based capital ratio | 15.1693% | 4,254 |
| Memoranda: | ||
| Average total assets | $1,020,115,670 | 657 |
| Average earning assets | $966,640,670 | 624 |
| Average equity | $86,260,000 | 854 |
| Average total loans | $560,852,670 | 780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 5,438 |
| Cost of funding earning assets | 0.8923% | 476 |
| Net interest margin | 2.6036% | 6,234 |
| Noninterest income to average assets | 5.4608% | 107 |
| Noninterest expense to average assets | 6.4688% | 164 |
| Loan and lease loss provision to assets | 0.2087% | 1,106 |
| Net operating income to assets | 0.8357% | 2,977 |
| Return on assets (ROA) | 0.8357% | 3,048 |
| Pretax return on assets | 1.2552% | 2,264 |
| Return on Equity (ROE) | 9.6878% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.2218% | 1,524 |
| Net charge-offs to loans | -0.0134% | 5,157 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5457% | 1,987 |
| Assets per employee ($millions) | 1.9114% | 6,595 |
| Cash dividends to net income (ytd only)* | 15.1322% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,245 |
| Loan loss allowance to noncurrent loans | 44.5167% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6235% | 2,171 |
| Noncurrent loans to loans | 2.8668% | 1,141 |
| Net loans and leases to total assets | 54.4544% | 4,355 |
| Net loans and leases to deposits | 64.6590% | 4,251 |
| Net loans and leases to core deposits | 72.5077% | 3,820 |
| Total domestic deposits to total assets | 84.2178% | 4,203 |
| Equity capital to assets | 8.3882% | 5,754 |
| Core capital (leverage) ratio | 9.0020% | 5,007 |
| Tier 1 risk-based capital ratio | 14.1786% | 4,205 |
| Total risk-based capital ratio | 15.3576% | 4,209 |
| Memoranda: | ||
| Average total assets | $977,365,500 | 691 |
| Average earning assets | $927,960,000 | 664 |
| Average equity | $84,312,000 | 873 |
| Average total loans | $538,914,500 | 815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 5,392 |
| Cost of funding earning assets | 0.9987% | 444 |
| Net interest margin | 2.6064% | 6,259 |
| Noninterest income to average assets | 6.7235% | 98 |
| Noninterest expense to average assets | 7.3917% | 131 |
| Loan and lease loss provision to assets | 0.6523% | 366 |
| Net operating income to assets | 0.7449% | 3,580 |
| Return on assets (ROA) | 0.7902% | 3,442 |
| Pretax return on assets | 1.2463% | 2,382 |
| Return on Equity (ROE) | 8.4339% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.4181% | 1,731 |
| Net charge-offs to loans | 0.9346% | 645 |
| Credit loss provision to net charge-offs | 113.9352% | 2,119 |
| Earnings coverage of net charge-offs (x) | 3.1927% | 3,930 |
| Efficiency ratio | 80.1745% | 2,126 |
| Assets per employee ($millions) | 1.7201% | 6,690 |
| Cash dividends to net income (ytd only)* | 23.9016% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,182 |
| Loan loss allowance to noncurrent loans | 60.9225% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 2,970 |
| Noncurrent loans to loans | 2.1225% | 1,853 |
| Net loans and leases to total assets | 54.4062% | 4,535 |
| Net loans and leases to deposits | 63.0695% | 4,600 |
| Net loans and leases to core deposits | 71.2326% | 4,162 |
| Total domestic deposits to total assets | 86.2639% | 3,128 |
| Equity capital to assets | 8.8868% | 5,159 |
| Core capital (leverage) ratio | 9.2570% | 4,621 |
| Tier 1 risk-based capital ratio | 15.4254% | 3,421 |
| Total risk-based capital ratio | 16.6300% | 3,390 |
| Memoranda: | ||
| Average total assets | $889,974,200 | 741 |
| Average earning assets | $852,297,400 | 700 |
| Average equity | $83,389,600 | 854 |
| Average total loans | $545,131,800 | 773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 5,422 |
| Cost of funding earning assets | 1.0071% | 474 |
| Net interest margin | 2.6009% | 6,313 |
| Noninterest income to average assets | 7.6657% | 87 |
| Noninterest expense to average assets | 8.2474% | 111 |
| Loan and lease loss provision to assets | 0.7410% | 290 |
| Net operating income to assets | 0.7823% | 3,447 |
| Return on assets (ROA) | 0.8390% | 3,279 |
| Pretax return on assets | 1.2543% | 2,497 |
| Return on Equity (ROE) | 8.8332% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.3544% | 1,706 |
| Net charge-offs to loans | 1.2308% | 439 |
| Credit loss provision to net charge-offs | 95.7468% | 2,490 |
| Earnings coverage of net charge-offs (x) | 2.4688% | 4,011 |
| Efficiency ratio | 81.1905% | 1,946 |
| Assets per employee ($millions) | 1.6527% | 6,772 |
| Cash dividends to net income (ytd only)* | 16.7421% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,056 |
| Loan loss allowance to noncurrent loans | 78.7088% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 3,706 |
| Noncurrent loans to loans | 1.4780% | 2,948 |
| Net loans and leases to total assets | 54.4508% | 4,533 |
| Net loans and leases to deposits | 61.1331% | 4,856 |
| Net loans and leases to core deposits | 68.9775% | 4,436 |
| Total domestic deposits to total assets | 89.0692% | 1,518 |
| Equity capital to assets | 9.2671% | 4,840 |
| Core capital (leverage) ratio | 9.3645% | 4,585 |
| Tier 1 risk-based capital ratio | 16.4438% | 2,965 |
| Total risk-based capital ratio | 17.5590% | 2,994 |
| Memoranda: | ||
| Average total assets | $878,960,500 | 758 |
| Average earning assets | $842,288,250 | 713 |
| Average equity | $83,485,750 | 859 |
| Average total loans | $552,708,000 | 762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 5,413 |
| Cost of funding earning assets | 0.9854% | 579 |
| Net interest margin | 2.6211% | 6,309 |
| Noninterest income to average assets | 8.7846% | 78 |
| Noninterest expense to average assets | 9.2160% | 95 |
| Loan and lease loss provision to assets | 0.2311% | 1,619 |
| Net operating income to assets | 1.1824% | 1,637 |
| Return on assets (ROA) | 1.2493% | 1,554 |
| Pretax return on assets | 1.9560% | 656 |
| Return on Equity (ROE) | 13.0449% | 1,237 |
| Retained earnings to average equity (ytd only) | 11.5681% | 554 |
| Net charge-offs to loans | 0.3900% | 1,661 |
| Credit loss provision to net charge-offs | 90.4208% | 2,427 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,450 |
| Efficiency ratio | 81.5678% | 1,957 |
| Assets per employee ($millions) | 1.4412% | 6,849 |
| Cash dividends to net income (ytd only)* | 11.3208% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,558 |
| Loan loss allowance to noncurrent loans | 118.4344% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 4,495 |
| Noncurrent loans to loans | 0.9009% | 4,125 |
| Net loans and leases to total assets | 61.0931% | 3,467 |
| Net loans and leases to deposits | 71.1851% | 3,564 |
| Net loans and leases to core deposits | 81.2280% | 2,891 |
| Total domestic deposits to total assets | 85.8229% | 3,464 |
| Equity capital to assets | 9.5441% | 4,527 |
| Core capital (leverage) ratio | 9.7767% | 3,825 |
| Tier 1 risk-based capital ratio | 16.1265% | 3,122 |
| Total risk-based capital ratio | 17.2382% | 3,143 |
| Memoranda: | ||
| Average total assets | $873,915,000 | 759 |
| Average earning assets | $838,209,330 | 716 |
| Average equity | $83,695,330 | 854 |
| Average total loans | $572,753,000 | 729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 5,433 |
| Cost of funding earning assets | 0.9755% | 687 |
| Net interest margin | 2.6311% | 6,330 |
| Noninterest income to average assets | 9.2027% | 75 |
| Noninterest expense to average assets | 9.6540% | 87 |
| Loan and lease loss provision to assets | 0.2305% | 1,587 |
| Net operating income to assets | 1.1332% | 1,732 |
| Return on assets (ROA) | 1.1949% | 1,645 |
| Pretax return on assets | 1.9435% | 671 |
| Return on Equity (ROE) | 12.4547% | 1,307 |
| Retained earnings to average equity (ytd only) | 10.9699% | 884 |
| Net charge-offs to loans | 0.2009% | 2,216 |
| Credit loss provision to net charge-offs | 170.0680% | 1,238 |
| Earnings coverage of net charge-offs (x) | 15.3299% | 1,408 |
| Efficiency ratio | 82.2901% | 2,001 |
| Assets per employee ($millions) | 1.2158% | 6,943 |
| Cash dividends to net income (ytd only)* | 11.9213% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,587 |
| Loan loss allowance to noncurrent loans | 114.8805% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 4,421 |
| Noncurrent loans to loans | 0.9622% | 4,214 |
| Net loans and leases to total assets | 65.9061% | 2,382 |
| Net loans and leases to deposits | 80.5608% | 2,013 |
| Net loans and leases to core deposits | 93.3545% | 1,391 |
| Total domestic deposits to total assets | 81.8092% | 5,263 |
| Equity capital to assets | 10.0816% | 4,038 |
| Core capital (leverage) ratio | 9.7348% | 3,743 |
| Tier 1 risk-based capital ratio | 16.3995% | 3,060 |
| Total risk-based capital ratio | 17.6280% | 3,020 |
| Memoranda: | ||
| Average total assets | $867,700,000 | 771 |
| Average earning assets | $834,010,500 | 725 |
| Average equity | $83,246,000 | 872 |
| Average total loans | $585,461,500 | 714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 5,623 |
| Cost of funding earning assets | 1.1552% | 718 |
| Net interest margin | 2.7279% | 6,482 |
| Noninterest income to average assets | 8.8610% | 82 |
| Noninterest expense to average assets | 9.1905% | 93 |
| Loan and lease loss provision to assets | 0.2227% | 2,900 |
| Net operating income to assets | 1.2529% | 1,442 |
| Return on assets (ROA) | 1.3007% | 1,444 |
| Pretax return on assets | 2.1460% | 452 |
| Return on Equity (ROE) | 13.9547% | 1,001 |
| Retained earnings to average equity (ytd only) | 11.8451% | 341 |
| Net charge-offs to loans | 0.1448% | 4,245 |
| Credit loss provision to net charge-offs | 233.0163% | 1,062 |
| Earnings coverage of net charge-offs (x) | 23.9986% | 1,193 |
| Efficiency ratio | 80.0251% | 2,145 |
| Assets per employee ($millions) | 1.4708% | 6,990 |
| Cash dividends to net income (ytd only)* | 15.1173% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,068 |
| Loan loss allowance to noncurrent loans | 135.5287% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 4,929 |
| Noncurrent loans to loans | 0.7143% | 4,756 |
| Net loans and leases to total assets | 67.5823% | 2,262 |
| Net loans and leases to deposits | 87.0014% | 1,383 |
| Net loans and leases to core deposits | 105.4828% | 715 |
| Total domestic deposits to total assets | 77.6795% | 6,129 |
| Equity capital to assets | 9.1413% | 5,345 |
| Core capital (leverage) ratio | 9.3715% | 4,294 |
| Tier 1 risk-based capital ratio | 15.6540% | 3,346 |
| Total risk-based capital ratio | 16.8204% | 3,347 |
| Memoranda: | ||
| Average total assets | $769,960,800 | 868 |
| Average earning assets | $740,486,600 | 808 |
| Average equity | $71,768,000 | 983 |
| Average total loans | $508,128,800 | 815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 5,673 |
| Cost of funding earning assets | 1.2044% | 678 |
| Net interest margin | 2.7390% | 6,590 |
| Noninterest income to average assets | 8.4618% | 86 |
| Noninterest expense to average assets | 8.7874% | 97 |
| Loan and lease loss provision to assets | 0.1799% | 3,339 |
| Net operating income to assets | 1.2893% | 1,471 |
| Return on assets (ROA) | 1.3175% | 1,538 |
| Pretax return on assets | 2.1738% | 501 |
| Return on Equity (ROE) | 14.0525% | 1,101 |
| Retained earnings to average equity (ytd only) | 12.6525% | 423 |
| Net charge-offs to loans | 0.1462% | 3,939 |
| Credit loss provision to net charge-offs | 188.4470% | 1,466 |
| Earnings coverage of net charge-offs (x) | 24.1933% | 1,289 |
| Efficiency ratio | 79.1870% | 2,210 |
| Assets per employee ($millions) | 1.2675% | 7,102 |
| Cash dividends to net income (ytd only)* | 9.9630% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 5,970 |
| Loan loss allowance to noncurrent loans | 130.1173% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 4,844 |
| Noncurrent loans to loans | 0.7913% | 4,822 |
| Net loans and leases to total assets | 64.5039% | 2,930 |
| Net loans and leases to deposits | 76.8673% | 2,845 |
| Net loans and leases to core deposits | 91.0296% | 1,870 |
| Total domestic deposits to total assets | 83.9160% | 4,261 |
| Equity capital to assets | 9.9393% | 4,591 |
| Core capital (leverage) ratio | 9.9812% | 3,572 |
| Tier 1 risk-based capital ratio | 16.8335% | 2,824 |
| Total risk-based capital ratio | 18.0086% | 2,825 |
| Memoranda: | ||
| Average total assets | $737,416,500 | 911 |
| Average earning assets | $709,494,250 | 853 |
| Average equity | $69,139,000 | 1,021 |
| Average total loans | $481,590,750 | 864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 5,662 |
| Cost of funding earning assets | 1.2440% | 668 |
| Net interest margin | 2.7472% | 6,654 |
| Noninterest income to average assets | 8.1435% | 91 |
| Noninterest expense to average assets | 8.5540% | 103 |
| Loan and lease loss provision to assets | 0.1823% | 3,280 |
| Net operating income to assets | 1.2320% | 1,605 |
| Return on assets (ROA) | 1.2478% | 1,742 |
| Pretax return on assets | 2.0747% | 601 |
| Return on Equity (ROE) | 13.6185% | 1,204 |
| Retained earnings to average equity (ytd only) | 12.0730% | 569 |
| Net charge-offs to loans | 0.1729% | 3,565 |
| Credit loss provision to net charge-offs | 161.2903% | 1,728 |
| Earnings coverage of net charge-offs (x) | 19.7543% | 1,417 |
| Efficiency ratio | 79.3043% | 2,289 |
| Assets per employee ($millions) | 1.1819% | 7,170 |
| Cash dividends to net income (ytd only)* | 11.3483% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 5,902 |
| Loan loss allowance to noncurrent loans | 161.5051% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 5,129 |
| Noncurrent loans to loans | 0.6608% | 5,185 |
| Net loans and leases to total assets | 62.6352% | 3,302 |
| Net loans and leases to deposits | 72.2235% | 3,581 |
| Net loans and leases to core deposits | 85.5500% | 2,486 |
| Total domestic deposits to total assets | 86.7241% | 2,947 |
| Equity capital to assets | 8.7699% | 5,950 |
| Core capital (leverage) ratio | 9.0109% | 4,899 |
| Tier 1 risk-based capital ratio | 15.2969% | 3,574 |
| Total risk-based capital ratio | 16.5196% | 3,556 |
| Memoranda: | ||
| Average total assets | $713,254,000 | 934 |
| Average earning assets | $686,148,670 | 889 |
| Average equity | $65,352,330 | 1,079 |
| Average total loans | $466,169,330 | 881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 5,459 |
| Cost of funding earning assets | 1.2998% | 632 |
| Net interest margin | 2.8000% | 6,641 |
| Noninterest income to average assets | 8.2629% | 81 |
| Noninterest expense to average assets | 8.8348% | 97 |
| Loan and lease loss provision to assets | 0.2018% | 2,922 |
| Net operating income to assets | 1.1445% | 1,900 |
| Return on assets (ROA) | 1.1445% | 2,084 |
| Pretax return on assets | 1.9135% | 858 |
| Return on Equity (ROE) | 12.1960% | 1,615 |
| Retained earnings to average equity (ytd only) | 10.4261% | 1,171 |
| Net charge-offs to loans | 0.0932% | 3,590 |
| Credit loss provision to net charge-offs | 325.4717% | 920 |
| Earnings coverage of net charge-offs (x) | 34.1226% | 836 |
| Efficiency ratio | 80.6825% | 2,121 |
| Assets per employee ($millions) | 1.1379% | 7,240 |
| Cash dividends to net income (ytd only)* | 14.5120% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,500 |
| Loan loss allowance to noncurrent loans | 128.9500% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 5,209 |
| Noncurrent loans to loans | 0.9281% | 4,811 |
| Net loans and leases to total assets | 61.5307% | 3,348 |
| Net loans and leases to deposits | 70.4626% | 3,665 |
| Net loans and leases to core deposits | 79.2621% | 3,143 |
| Total domestic deposits to total assets | 87.3238% | 2,756 |
| Equity capital to assets | 9.3131% | 5,080 |
| Core capital (leverage) ratio | 9.1794% | 4,550 |
| Tier 1 risk-based capital ratio | 16.2498% | 3,045 |
| Total risk-based capital ratio | 17.5009% | 3,003 |
| Memoranda: | ||
| Average total assets | $683,975,000 | 963 |
| Average earning assets | $656,433,000 | 929 |
| Average equity | $64,185,000 | 1,096 |
| Average total loans | $454,933,500 | 908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 5,678 |
| Cost of funding earning assets | 1.3834% | 1,109 |
| Net interest margin | 2.9415% | 6,622 |
| Noninterest income to average assets | 6.7267% | 92 |
| Noninterest expense to average assets | 7.9067% | 107 |
| Loan and lease loss provision to assets | 0.5790% | 1,787 |
| Net operating income to assets | 0.6251% | 3,857 |
| Return on assets (ROA) | 0.7478% | 3,436 |
| Pretax return on assets | 1.2498% | 2,298 |
| Return on Equity (ROE) | 7.4025% | 3,200 |
| Retained earnings to average equity (ytd only) | 5.6258% | 2,229 |
| Net charge-offs to loans | 0.4600% | 3,143 |
| Credit loss provision to net charge-offs | 195.1792% | 1,301 |
| Earnings coverage of net charge-offs (x) | 5.5185% | 2,762 |
| Efficiency ratio | 82.8470% | 1,906 |
| Assets per employee ($millions) | 1.1325% | 7,291 |
| Cash dividends to net income (ytd only)* | 24.0010% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,010 |
| Loan loss allowance to noncurrent loans | 122.2742% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 5,222 |
| Noncurrent loans to loans | 0.8558% | 4,983 |
| Net loans and leases to total assets | 70.1940% | 1,998 |
| Net loans and leases to deposits | 86.5492% | 1,599 |
| Net loans and leases to core deposits | 97.0304% | 1,408 |
| Total domestic deposits to total assets | 81.1030% | 5,423 |
| Equity capital to assets | 9.4582% | 4,948 |
| Core capital (leverage) ratio | 9.5597% | 3,936 |
| Tier 1 risk-based capital ratio | 15.4787% | 3,339 |
| Total risk-based capital ratio | 16.7287% | 3,298 |
| Memoranda: | ||
| Average total assets | $545,437,400 | 1,213 |
| Average earning assets | $522,353,000 | 1,141 |
| Average equity | $55,102,800 | 1,234 |
| Average total loans | $351,718,200 | 1,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 5,851 |
| Cost of funding earning assets | 1.3862% | 1,289 |
| Net interest margin | 2.9428% | 6,686 |
| Noninterest income to average assets | 5.5582% | 116 |
| Noninterest expense to average assets | 6.9895% | 141 |
| Loan and lease loss provision to assets | 0.5092% | 1,947 |
| Net operating income to assets | 0.5399% | 4,365 |
| Return on assets (ROA) | 0.6694% | 3,942 |
| Pretax return on assets | 1.0825% | 3,083 |
| Return on Equity (ROE) | 6.4915% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.2022% | 3,060 |
| Net charge-offs to loans | 0.3494% | 3,350 |
| Credit loss provision to net charge-offs | 233.6504% | 1,216 |
| Earnings coverage of net charge-offs (x) | 6.3745% | 2,565 |
| Efficiency ratio | 83.4184% | 1,802 |
| Assets per employee ($millions) | 1.2047% | 7,362 |
| Cash dividends to net income (ytd only)* | 19.8606% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,556 |
| Loan loss allowance to noncurrent loans | 100.5745% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 4,936 |
| Noncurrent loans to loans | 1.1710% | 4,584 |
| Net loans and leases to total assets | 63.7929% | 3,350 |
| Net loans and leases to deposits | 76.4243% | 3,261 |
| Net loans and leases to core deposits | 90.1525% | 2,230 |
| Total domestic deposits to total assets | 83.4720% | 4,493 |
| Equity capital to assets | 9.4606% | 5,145 |
| Core capital (leverage) ratio | 9.8974% | 3,579 |
| Tier 1 risk-based capital ratio | 17.2015% | 2,564 |
| Total risk-based capital ratio | 18.4537% | 2,526 |
| Memoranda: | ||
| Average total assets | $514,473,750 | 1,306 |
| Average earning assets | $493,127,000 | 1,234 |
| Average equity | $53,052,750 | 1,285 |
| Average total loans | $320,955,000 | 1,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 5,869 |
| Cost of funding earning assets | 1.4107% | 1,374 |
| Net interest margin | 2.9304% | 6,738 |
| Noninterest income to average assets | 5.2155% | 130 |
| Noninterest expense to average assets | 6.8628% | 147 |
| Loan and lease loss provision to assets | 0.4811% | 2,052 |
| Net operating income to assets | 0.4170% | 4,868 |
| Return on assets (ROA) | 0.5559% | 4,407 |
| Pretax return on assets | 0.8948% | 3,632 |
| Return on Equity (ROE) | 5.2144% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.0072% | 3,649 |
| Net charge-offs to loans | 0.1424% | 4,343 |
| Credit loss provision to net charge-offs | 549.2958% | 562 |
| Earnings coverage of net charge-offs (x) | 13.2300% | 1,564 |
| Efficiency ratio | 85.5546% | 1,643 |
| Assets per employee ($millions) | 1.0286% | 7,450 |
| Cash dividends to net income (ytd only)* | 23.1509% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,765 |
| Loan loss allowance to noncurrent loans | 86.6943% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 4,587 |
| Noncurrent loans to loans | 1.5706% | 4,049 |
| Net loans and leases to total assets | 59.8512% | 4,297 |
| Net loans and leases to deposits | 70.6798% | 4,340 |
| Net loans and leases to core deposits | 78.9326% | 3,941 |
| Total domestic deposits to total assets | 84.6793% | 4,032 |
| Equity capital to assets | 10.1806% | 3,899 |
| Core capital (leverage) ratio | 10.6948% | 2,524 |
| Tier 1 risk-based capital ratio | 18.0830% | 2,148 |
| Total risk-based capital ratio | 19.3378% | 2,098 |
| Memoranda: | ||
| Average total assets | $486,392,670 | 1,384 |
| Average earning assets | $465,740,670 | 1,322 |
| Average equity | $51,856,330 | 1,295 |
| Average total loans | $299,109,670 | 1,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 5,951 |
| Cost of funding earning assets | 1.4300% | 1,470 |
| Net interest margin | 2.8898% | 6,777 |
| Noninterest income to average assets | 5.9885% | 115 |
| Noninterest expense to average assets | 7.4318% | 126 |
| Loan and lease loss provision to assets | 0.4911% | 1,787 |
| Net operating income to assets | 0.5006% | 4,489 |
| Return on assets (ROA) | 0.5006% | 4,571 |
| Pretax return on assets | 0.8255% | 3,806 |
| Return on Equity (ROE) | 4.5776% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.2067% | 4,250 |
| Net charge-offs to loans | 0.1752% | 3,440 |
| Credit loss provision to net charge-offs | 452.3810% | 773 |
| Earnings coverage of net charge-offs (x) | 12.1270% | 1,512 |
| Efficiency ratio | 84.9503% | 1,848 |
| Assets per employee ($millions) | 1.0793% | 7,508 |
| Cash dividends to net income (ytd only)* | 29.9484% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 4,487 |
| Loan loss allowance to noncurrent loans | 77.2546% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 3,887 |
| Noncurrent loans to loans | 1.8619% | 3,745 |
| Net loans and leases to total assets | 55.2422% | 5,123 |
| Net loans and leases to deposits | 63.7759% | 5,280 |
| Net loans and leases to core deposits | 72.5764% | 4,717 |
| Total domestic deposits to total assets | 86.6193% | 3,175 |
| Equity capital to assets | 10.6718% | 3,015 |
| Core capital (leverage) ratio | 11.1203% | 2,101 |
| Tier 1 risk-based capital ratio | 19.6870% | 1,652 |
| Total risk-based capital ratio | 20.9391% | 1,623 |
| Memoranda: | ||
| Average total assets | $464,222,500 | 1,453 |
| Average earning assets | $443,350,500 | 1,394 |
| Average equity | $50,768,500 | 1,313 |
| Average total loans | $287,647,000 | 1,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 6,651 |
| Cost of funding earning assets | 1.5547% | 2,334 |
| Net interest margin | 2.8250% | 7,002 |
| Noninterest income to average assets | 4.8189% | 142 |
| Noninterest expense to average assets | 6.1098% | 219 |
| Loan and lease loss provision to assets | 0.6774% | 2,433 |
| Net operating income to assets | 0.3856% | 4,613 |
| Return on assets (ROA) | 0.4541% | 4,461 |
| Pretax return on assets | 0.8397% | 3,498 |
| Return on Equity (ROE) | 4.4777% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.1554% | 2,941 |
| Net charge-offs to loans | 0.5948% | 3,248 |
| Credit loss provision to net charge-offs | 162.3077% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.3783% | 3,391 |
| Efficiency ratio | 81.2498% | 2,252 |
| Assets per employee ($millions) | 1.0447% | 7,588 |
| Cash dividends to net income (ytd only)* | 7.1979% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,878 |
| Loan loss allowance to noncurrent loans | 78.5878% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 3,972 |
| Noncurrent loans to loans | 1.4250% | 4,351 |
| Net loans and leases to total assets | 67.5367% | 3,094 |
| Net loans and leases to deposits | 78.8759% | 3,362 |
| Net loans and leases to core deposits | 89.8902% | 2,783 |
| Total domestic deposits to total assets | 85.6240% | 3,540 |
| Equity capital to assets | 11.2196% | 2,480 |
| Core capital (leverage) ratio | 12.1312% | 1,465 |
| Tier 1 risk-based capital ratio | 18.6990% | 1,789 |
| Total risk-based capital ratio | 19.9261% | 1,764 |
| Memoranda: | ||
| Average total assets | $342,628,800 | 1,911 |
| Average earning assets | $327,579,000 | 1,819 |
| Average equity | $34,749,800 | 1,904 |
| Average total loans | $240,403,600 | 1,817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 6,959 |
| Cost of funding earning assets | 1.5806% | 2,503 |
| Net interest margin | 2.7270% | 7,205 |
| Noninterest income to average assets | 4.6060% | 150 |
| Noninterest expense to average assets | 5.7874% | 236 |
| Loan and lease loss provision to assets | 0.7319% | 2,092 |
| Net operating income to assets | 0.3572% | 4,942 |
| Return on assets (ROA) | 0.4549% | 4,708 |
| Pretax return on assets | 0.8500% | 3,732 |
| Return on Equity (ROE) | 4.6608% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.4189% | 3,391 |
| Net charge-offs to loans | 0.6471% | 2,812 |
| Credit loss provision to net charge-offs | 159.7056% | 2,373 |
| Earnings coverage of net charge-offs (x) | 3.1187% | 3,580 |
| Efficiency ratio | 80.1951% | 2,312 |
| Assets per employee ($millions) | 1.3194% | 7,673 |
| Cash dividends to net income (ytd only)* | 5.1897% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,832 |
| Loan loss allowance to noncurrent loans | 45.4040% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7728% | 3,784 |
| Noncurrent loans to loans | 2.4797% | 3,139 |
| Net loans and leases to total assets | 70.6888% | 2,569 |
| Net loans and leases to deposits | 80.6081% | 3,336 |
| Net loans and leases to core deposits | 91.1738% | 2,924 |
| Total domestic deposits to total assets | 87.6945% | 2,163 |
| Equity capital to assets | 9.3748% | 5,019 |
| Core capital (leverage) ratio | 10.6032% | 2,594 |
| Tier 1 risk-based capital ratio | 14.4553% | 3,530 |
| Total risk-based capital ratio | 15.7054% | 3,504 |
| Memoranda: | ||
| Average total assets | $316,243,250 | 2,088 |
| Average earning assets | $302,743,500 | 1,989 |
| Average equity | $30,866,500 | 2,142 |
| Average total loans | $223,977,500 | 1,966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 6,872 |
| Cost of funding earning assets | 1.6783% | 2,237 |
| Net interest margin | 2.7357% | 7,215 |
| Noninterest income to average assets | 3.8030% | 173 |
| Noninterest expense to average assets | 5.0656% | 359 |
| Loan and lease loss provision to assets | 0.6475% | 2,223 |
| Net operating income to assets | 0.3721% | 4,881 |
| Return on assets (ROA) | 0.4715% | 4,612 |
| Pretax return on assets | 0.8636% | 3,646 |
| Return on Equity (ROE) | 4.7453% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.7453% | 3,048 |
| Net charge-offs to loans | 0.5844% | 2,779 |
| Credit loss provision to net charge-offs | 157.1189% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.2898% | 3,384 |
| Efficiency ratio | 78.8863% | 2,593 |
| Assets per employee ($millions) | 1.3469% | 7,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,231 |
| Loan loss allowance to noncurrent loans | 51.3195% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 3,811 |
| Noncurrent loans to loans | 2.4178% | 3,232 |
| Net loans and leases to total assets | 72.0659% | 2,377 |
| Net loans and leases to deposits | 83.1433% | 3,045 |
| Net loans and leases to core deposits | 91.3475% | 3,079 |
| Total domestic deposits to total assets | 86.6768% | 2,716 |
| Equity capital to assets | 9.2080% | 5,137 |
| Core capital (leverage) ratio | 9.8204% | 3,372 |
| Tier 1 risk-based capital ratio | 13.1830% | 4,293 |
| Total risk-based capital ratio | 14.4338% | 4,254 |
| Memoranda: | ||
| Average total assets | $289,719,330 | 2,268 |
| Average earning assets | $277,299,000 | 2,178 |
| Average equity | $28,786,330 | 2,278 |
| Average total loans | $204,309,000 | 2,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 6,953 |
| Cost of funding earning assets | 1.8033% | 1,856 |
| Net interest margin | 2.6217% | 7,369 |
| Noninterest income to average assets | 3.9152% | 170 |
| Noninterest expense to average assets | 5.2328% | 310 |
| Loan and lease loss provision to assets | 0.4687% | 2,624 |
| Net operating income to assets | 0.3778% | 4,941 |
| Return on assets (ROA) | 0.4716% | 4,658 |
| Pretax return on assets | 0.8707% | 3,577 |
| Return on Equity (ROE) | 4.5542% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.5542% | 3,420 |
| Net charge-offs to loans | 0.8882% | 1,789 |
| Credit loss provision to net charge-offs | 76.3593% | 3,965 |
| Earnings coverage of net charge-offs (x) | 1.9433% | 3,568 |
| Efficiency ratio | 81.4363% | 2,360 |
| Assets per employee ($millions) | 1.0997% | 7,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,265 |
| Loan loss allowance to noncurrent loans | 58.1762% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 4,178 |
| Noncurrent loans to loans | 2.1354% | 3,606 |
| Net loans and leases to total assets | 68.2815% | 3,310 |
| Net loans and leases to deposits | 76.8114% | 4,255 |
| Net loans and leases to core deposits | 83.7866% | 4,238 |
| Total domestic deposits to total assets | 88.8950% | 1,572 |
| Equity capital to assets | 10.1471% | 3,673 |
| Core capital (leverage) ratio | 10.2405% | 2,885 |
| Tier 1 risk-based capital ratio | 14.2338% | 3,519 |
| Total risk-based capital ratio | 15.4476% | 3,508 |
| Memoranda: | ||
| Average total assets | $275,646,000 | 2,422 |
| Average earning assets | $263,953,500 | 2,324 |
| Average equity | $28,545,000 | 2,329 |
| Average total loans | $190,488,000 | 2,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 6,618 |
| Cost of funding earning assets | 2.3320% | 1,524 |
| Net interest margin | 2.6074% | 7,329 |
| Noninterest income to average assets | 3.7375% | 182 |
| Noninterest expense to average assets | 5.4882% | 396 |
| Loan and lease loss provision to assets | 0.6950% | 3,042 |
| Net operating income to assets | 0.4419% | 3,964 |
| Return on assets (ROA) | 0.4854% | 3,889 |
| Pretax return on assets | 0.1130% | 5,192 |
| Return on Equity (ROE) | 4.3780% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.3780% | 2,179 |
| Net charge-offs to loans | 0.0239% | 6,904 |
| Credit loss provision to net charge-offs | 3,889.1892% | 89 |
| Earnings coverage of net charge-offs (x) | 42.7838% | 585 |
| Efficiency ratio | 87.7732% | 1,902 |
| Assets per employee ($millions) | 1.4948% | 7,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,376 |
| Loan loss allowance to noncurrent loans | 83.2349% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 4,705 |
| Noncurrent loans to loans | 1.6493% | 4,176 |
| Net loans and leases to total assets | 68.1214% | 3,680 |
| Net loans and leases to deposits | 77.7088% | 4,438 |
| Net loans and leases to core deposits | 96.5628% | 4,391 |
| Total domestic deposits to total assets | 87.6624% | 2,141 |
| Equity capital to assets | 10.5769% | 3,100 |
| Core capital (leverage) ratio | 11.0938% | 2,181 |
| Tier 1 risk-based capital ratio | 15.1716% | 2,857 |
| Total risk-based capital ratio | 16.4229% | 2,816 |
| Memoranda: | ||
| Average total assets | $207,063,600 | 3,095 |
| Average earning assets | $199,739,800 | 2,975 |
| Average equity | $22,955,800 | 2,832 |
| Average total loans | $154,715,200 | 2,849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 6,582 |
| Cost of funding earning assets | 2.4455% | 1,466 |
| Net interest margin | 2.5626% | 7,395 |
| Noninterest income to average assets | 3.4920% | 186 |
| Noninterest expense to average assets | 5.3071% | 403 |
| Loan and lease loss provision to assets | 0.5529% | 3,172 |
| Net operating income to assets | 0.1098% | 5,437 |
| Return on assets (ROA) | 0.1098% | 5,494 |
| Pretax return on assets | 0.1098% | 5,503 |
| Return on Equity (ROE) | 0.9744% | 5,506 |
| Retained earnings to average equity (ytd only) | 0.9744% | 4,767 |
| Net charge-offs to loans | 0.0254% | 6,528 |
| Credit loss provision to net charge-offs | 2,842.8571% | 144 |
| Earnings coverage of net charge-offs (x) | 34.0737% | 847 |
| Efficiency ratio | 88.8992% | 1,786 |
| Assets per employee ($millions) | 1.2767% | 8,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,774 |
| Loan loss allowance to noncurrent loans | 44.0204% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7610% | 3,721 |
| Noncurrent loans to loans | 2.4824% | 3,036 |
| Net loans and leases to total assets | 67.1192% | 4,160 |
| Net loans and leases to deposits | 81.0112% | 4,191 |
| Net loans and leases to core deposits | 103.6591% | 3,982 |
| Total domestic deposits to total assets | 82.8518% | 4,301 |
| Equity capital to assets | 10.8600% | 3,151 |
| Core capital (leverage) ratio | 12.2028% | 1,707 |
| Tier 1 risk-based capital ratio | 15.4868% | 2,832 |
| Total risk-based capital ratio | 16.5651% | 2,848 |
| Memoranda: | ||
| Average total assets | $191,938,250 | 3,293 |
| Average earning assets | $185,588,500 | 3,173 |
| Average equity | $21,619,750 | 3,019 |
| Average total loans | $147,192,500 | 2,995 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 5,716 |
| Cost of funding earning assets | 2.6104% | 1,257 |
| Net interest margin | 2.6759% | 7,253 |
| Noninterest income to average assets | 3.5028% | 182 |
| Noninterest expense to average assets | 5.3411% | 415 |
| Loan and lease loss provision to assets | 0.6491% | 2,486 |
| Net operating income to assets | 0.0998% | 5,560 |
| Return on assets (ROA) | 0.0998% | 5,659 |
| Pretax return on assets | 0.0998% | 5,676 |
| Return on Equity (ROE) | 0.8702% | 5,668 |
| Retained earnings to average equity (ytd only) | 0.8702% | 4,831 |
| Net charge-offs to loans | 0.0405% | 5,901 |
| Credit loss provision to net charge-offs | 1,975.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 22.7857% | 1,207 |
| Efficiency ratio | 87.7024% | 2,050 |
| Assets per employee ($millions) | 1.1544% | 8,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,604 |
| Loan loss allowance to noncurrent loans | 88.5333% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 4,601 |
| Noncurrent loans to loans | 1.2417% | 4,728 |
| Net loans and leases to total assets | 72.6798% | 3,042 |
| Net loans and leases to deposits | 81.8736% | 4,246 |
| Net loans and leases to core deposits | 106.8078% | 3,745 |
| Total domestic deposits to total assets | 88.7708% | 1,394 |
| Equity capital to assets | 10.0768% | 3,839 |
| Core capital (leverage) ratio | 11.0642% | 2,357 |
| Tier 1 risk-based capital ratio | 14.0158% | 3,513 |
| Total risk-based capital ratio | 15.1577% | 3,509 |
| Memoranda: | ||
| Average total assets | $170,377,330 | 3,627 |
| Average earning assets | $164,728,000 | 3,478 |
| Average equity | $19,536,670 | 3,318 |
| Average total loans | $138,208,330 | 3,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5235% | 4,789 |
| Cost of funding earning assets | 2.6689% | 1,350 |
| Net interest margin | 2.8546% | 6,866 |
| Noninterest income to average assets | 3.7533% | 169 |
| Noninterest expense to average assets | 5.4703% | 366 |
| Loan and lease loss provision to assets | 0.7407% | 1,738 |
| Net operating income to assets | 0.3193% | 5,220 |
| Return on assets (ROA) | 0.3193% | 5,388 |
| Pretax return on assets | 0.3193% | 5,625 |
| Return on Equity (ROE) | 2.5749% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.5749% | 4,445 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7675% | 2,331 |
| Assets per employee ($millions) | 1.0177% | 8,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,299 |
| Loan loss allowance to noncurrent loans | 114.0788% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 5,331 |
| Noncurrent loans to loans | 0.8602% | 5,299 |
| Net loans and leases to total assets | 84.1883% | 664 |
| Net loans and leases to deposits | 97.0621% | 1,794 |
| Net loans and leases to core deposits | 116.0579% | 2,799 |
| Total domestic deposits to total assets | 86.7365% | 2,341 |
| Equity capital to assets | 11.2024% | 2,809 |
| Core capital (leverage) ratio | 12.4046% | 1,719 |
| Tier 1 risk-based capital ratio | 14.4338% | 3,345 |
| Total risk-based capital ratio | 15.5337% | 3,365 |
| Memoranda: | ||
| Average total assets | $152,825,000 | 3,963 |
| Average earning assets | $148,673,500 | 3,779 |
| Average equity | $18,952,000 | 3,421 |
| Average total loans | $131,810,500 | 3,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1117% | 4,980 |
| Cost of funding earning assets | 2.8930% | 2,296 |
| Net interest margin | 3.2188% | 6,312 |
| Noninterest income to average assets | 0.2232% | 6,848 |
| Noninterest expense to average assets | 3.0787% | 3,788 |
| Loan and lease loss provision to assets | 0.9150% | 1,627 |
| Net operating income to assets | -0.6617% | 7,045 |
| Return on assets (ROA) | -0.6617% | 6,938 |
| Pretax return on assets | -0.6617% | 6,779 |
| Return on Equity (ROE) | -4.2645% | 6,780 |
| Retained earnings to average equity (ytd only) | -4.2645% | 6,373 |
| Net charge-offs to loans | 0.0677% | 5,806 |
| Credit loss provision to net charge-offs | 1,640.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 4.5400% | 3,943 |
| Efficiency ratio | 92.3979% | 1,359 |
| Assets per employee ($millions) | 9.0458% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 6,389 |
| 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 | 86.9494% | 476 |
| Net loans and leases to deposits | 102.0580% | 1,581 |
| Net loans and leases to core deposits | 122.5667% | 2,443 |
| Total domestic deposits to total assets | 85.1961% | 2,754 |
| Equity capital to assets | 13.9026% | 1,459 |
| Core capital (leverage) ratio | 15.8967% | 845 |
| Tier 1 risk-based capital ratio | 17.3232% | 2,225 |
| Total risk-based capital ratio | 18.3751% | 2,223 |
| Memoranda: | ||
| Average total assets | $89,616,000 | 5,373 |
| Average earning assets | $86,554,800 | 5,202 |
| Average equity | $13,905,600 | 4,362 |
| Average total loans | $73,906,400 | 4,739 |