Home > First Citizens Bank > Performance and Condition Ratios
First Citizens Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,233 |
| Cost of funding earning assets | 0.3114% | 3,939 |
| Net interest margin | 3.3803% | 3,892 |
| Noninterest income to average assets | 3.0022% | 205 |
| Noninterest expense to average assets | 3.7039% | 877 |
| Loan and lease loss provision to assets | -0.0080% | 5,484 |
| Net operating income to assets | 1.6805% | 572 |
| Return on assets (ROA) | 1.6918% | 580 |
| Pretax return on assets | 2.4492% | 215 |
| Return on Equity (ROE) | 17.3986% | 369 |
| Retained earnings to average equity (ytd only) | -1.4570% | 5,489 |
| Net charge-offs to loans | 0.0081% | 3,986 |
| Credit loss provision to net charge-offs | -160.0000% | 4,959 |
| Earnings coverage of net charge-offs (x) | 484.9333% | 170 |
| Efficiency ratio | 60.4351% | 4,520 |
| Assets per employee ($millions) | 3.4017% | 4,902 |
| Cash dividends to net income (ytd only)* | 108.3744% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 5,367 |
| Loan loss allowance to noncurrent loans | 1,172.2222% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 3,760 |
| Noncurrent loans to loans | 0.0594% | 5,009 |
| Net loans and leases to total assets | 61.0117% | 3,728 |
| Net loans and leases to deposits | 72.6667% | 3,643 |
| Net loans and leases to core deposits | 73.1809% | 3,992 |
| Total domestic deposits to total assets | 83.9610% | 3,433 |
| Equity capital to assets | 9.3983% | 4,375 |
| Core capital (leverage) ratio | 9.7622% | 3,791 |
| Tier 1 risk-based capital ratio | 13.5572% | 3,735 |
| Total risk-based capital ratio | 14.1632% | 4,023 |
| Memoranda: | ||
| Average total assets | $299,979,000 | 2,165 |
| Average earning assets | $277,459,600 | 2,170 |
| Average equity | $29,169,000 | 2,437 |
| Average total loans | $185,627,600 | 2,254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,188 |
| Cost of funding earning assets | 0.3252% | 3,815 |
| Net interest margin | 3.3938% | 3,867 |
| Noninterest income to average assets | 3.0689% | 201 |
| Noninterest expense to average assets | 3.6780% | 883 |
| Loan and lease loss provision to assets | -0.0394% | 5,703 |
| Net operating income to assets | 1.7689% | 517 |
| Return on assets (ROA) | 1.7839% | 536 |
| Pretax return on assets | 2.5865% | 194 |
| Return on Equity (ROE) | 18.1959% | 341 |
| Retained earnings to average equity (ytd only) | 4.6405% | 3,064 |
| Net charge-offs to loans | 0.0100% | 3,577 |
| Credit loss provision to net charge-offs | -635.7143% | 5,124 |
| Earnings coverage of net charge-offs (x) | 407.1312% | 221 |
| Efficiency ratio | 59.2902% | 4,650 |
| Assets per employee ($millions) | 3.3783% | 4,942 |
| Cash dividends to net income (ytd only)* | 74.4971% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6712% | 5,485 |
| Loan loss allowance to noncurrent loans | 520.3463% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 1,378 |
| Noncurrent loans to loans | 0.1290% | 4,823 |
| Net loans and leases to total assets | 60.5176% | 3,813 |
| Net loans and leases to deposits | 72.6672% | 3,736 |
| Net loans and leases to core deposits | 73.2671% | 4,058 |
| Total domestic deposits to total assets | 83.2804% | 3,489 |
| Equity capital to assets | 10.2568% | 3,849 |
| Core capital (leverage) ratio | 10.0773% | 3,465 |
| Tier 1 risk-based capital ratio | 14.7269% | 3,175 |
| Total risk-based capital ratio | 15.3215% | 3,444 |
| Memoranda: | ||
| Average total assets | $300,986,750 | 2,172 |
| Average earning assets | $277,991,000 | 2,174 |
| Average equity | $29,507,750 | 2,403 |
| Average total loans | $186,577,250 | 2,248 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,099 |
| Cost of funding earning assets | 0.3312% | 3,782 |
| Net interest margin | 3.4279% | 3,766 |
| Noninterest income to average assets | 3.0467% | 196 |
| Noninterest expense to average assets | 3.6849% | 901 |
| Loan and lease loss provision to assets | -0.0211% | 5,788 |
| Net operating income to assets | 1.7585% | 515 |
| Return on assets (ROA) | 1.7808% | 518 |
| Pretax return on assets | 2.5812% | 197 |
| Return on Equity (ROE) | 18.4400% | 334 |
| Retained earnings to average equity (ytd only) | -2.0413% | 5,549 |
| Net charge-offs to loans | 0.0095% | 3,377 |
| Credit loss provision to net charge-offs | -355.5556% | 4,850 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 161 |
| Efficiency ratio | 59.3123% | 4,736 |
| Assets per employee ($millions) | 3.2136% | 5,186 |
| Cash dividends to net income (ytd only)* | 111.0700% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 5,560 |
| Loan loss allowance to noncurrent loans | 531.0924% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 1,402 |
| Noncurrent loans to loans | 0.1277% | 4,927 |
| Net loans and leases to total assets | 63.2806% | 3,465 |
| Net loans and leases to deposits | 75.5923% | 3,428 |
| Net loans and leases to core deposits | 76.2146% | 3,803 |
| Total domestic deposits to total assets | 83.7131% | 3,380 |
| Equity capital to assets | 9.8955% | 4,345 |
| Core capital (leverage) ratio | 9.6346% | 4,016 |
| Tier 1 risk-based capital ratio | 13.7977% | 3,723 |
| Total risk-based capital ratio | 14.4108% | 4,025 |
| Memoranda: | ||
| Average total assets | $303,344,670 | 2,161 |
| Average earning assets | $280,172,000 | 2,170 |
| Average equity | $29,295,000 | 2,422 |
| Average total loans | $189,079,330 | 2,221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,081 |
| Cost of funding earning assets | 0.3376% | 3,751 |
| Net interest margin | 3.4277% | 3,777 |
| Noninterest income to average assets | 3.0130% | 202 |
| Noninterest expense to average assets | 3.6645% | 944 |
| Loan and lease loss provision to assets | -0.0259% | 5,919 |
| Net operating income to assets | 1.7275% | 536 |
| Return on assets (ROA) | 1.7513% | 549 |
| Pretax return on assets | 2.5790% | 214 |
| Return on Equity (ROE) | 18.3487% | 328 |
| Retained earnings to average equity (ytd only) | 18.3487% | 124 |
| Net charge-offs to loans | 0.0189% | 2,557 |
| Credit loss provision to net charge-offs | -222.2222% | 4,365 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 282 |
| Efficiency ratio | 59.2709% | 4,843 |
| Assets per employee ($millions) | 3.2952% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,643 |
| Loan loss allowance to noncurrent loans | 291.3242% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3874% | 1,500 |
| Noncurrent loans to loans | 0.2312% | 4,603 |
| Net loans and leases to total assets | 62.0826% | 3,512 |
| Net loans and leases to deposits | 74.1146% | 3,422 |
| Net loans and leases to core deposits | 74.6218% | 3,828 |
| Total domestic deposits to total assets | 83.7657% | 3,613 |
| Equity capital to assets | 9.9801% | 4,101 |
| Core capital (leverage) ratio | 9.8156% | 3,754 |
| Tier 1 risk-based capital ratio | 13.9477% | 3,725 |
| Total risk-based capital ratio | 14.5391% | 4,028 |
| Memoranda: | ||
| Average total assets | $308,798,500 | 2,139 |
| Average earning assets | $285,559,000 | 2,148 |
| Average equity | $29,473,500 | 2,401 |
| Average total loans | $190,459,000 | 2,206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,932 |
| Cost of funding earning assets | 0.3770% | 3,404 |
| Net interest margin | 3.4586% | 3,678 |
| Noninterest income to average assets | 3.1644% | 192 |
| Noninterest expense to average assets | 3.5794% | 1,171 |
| Loan and lease loss provision to assets | -0.0301% | 5,690 |
| Net operating income to assets | 1.9501% | 377 |
| Return on assets (ROA) | 1.9508% | 385 |
| Pretax return on assets | 2.8118% | 136 |
| Return on Equity (ROE) | 20.2702% | 238 |
| Retained earnings to average equity (ytd only) | -3.2568% | 5,837 |
| Net charge-offs to loans | -0.0037% | 4,930 |
| Credit loss provision to net charge-offs | 1,328.5714% | 256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2783% | 5,321 |
| Assets per employee ($millions) | 3.4179% | 4,954 |
| Cash dividends to net income (ytd only)* | 116.0670% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 5,662 |
| Loan loss allowance to noncurrent loans | 407.8125% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 1,648 |
| Noncurrent loans to loans | 0.1672% | 4,821 |
| Net loans and leases to total assets | 60.4660% | 3,770 |
| Net loans and leases to deposits | 71.5281% | 3,765 |
| Net loans and leases to core deposits | 72.1324% | 4,120 |
| Total domestic deposits to total assets | 84.5346% | 3,270 |
| Equity capital to assets | 9.1247% | 4,996 |
| Core capital (leverage) ratio | 9.2027% | 4,615 |
| Tier 1 risk-based capital ratio | 13.5538% | 3,975 |
| Total risk-based capital ratio | 14.1692% | 4,267 |
| Memoranda: | ||
| Average total assets | $309,156,800 | 2,096 |
| Average earning assets | $285,667,800 | 2,100 |
| Average equity | $29,753,000 | 2,336 |
| Average total loans | $191,714,200 | 2,143 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 3,915 |
| Cost of funding earning assets | 0.3906% | 3,314 |
| Net interest margin | 3.4654% | 3,694 |
| Noninterest income to average assets | 3.1986% | 195 |
| Noninterest expense to average assets | 3.5784% | 1,156 |
| Loan and lease loss provision to assets | -0.0398% | 5,893 |
| Net operating income to assets | 1.9858% | 371 |
| Return on assets (ROA) | 1.9867% | 383 |
| Pretax return on assets | 2.8621% | 137 |
| Return on Equity (ROE) | 20.3738% | 254 |
| Retained earnings to average equity (ytd only) | 2.6072% | 4,559 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9188% | 5,364 |
| Assets per employee ($millions) | 3.3077% | 5,110 |
| Cash dividends to net income (ytd only)* | 87.2029% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 5,771 |
| Loan loss allowance to noncurrent loans | 323.9401% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 1,738 |
| Noncurrent loans to loans | 0.2095% | 4,810 |
| Net loans and leases to total assets | 61.7918% | 3,641 |
| Net loans and leases to deposits | 73.8793% | 3,559 |
| Net loans and leases to core deposits | 74.6151% | 3,948 |
| Total domestic deposits to total assets | 83.6388% | 3,555 |
| Equity capital to assets | 9.8670% | 4,317 |
| Core capital (leverage) ratio | 9.8492% | 3,837 |
| Tier 1 risk-based capital ratio | 14.4657% | 3,594 |
| Total risk-based capital ratio | 15.0860% | 3,888 |
| Memoranda: | ||
| Average total assets | $307,835,250 | 2,117 |
| Average earning assets | $284,327,250 | 2,120 |
| Average equity | $30,018,250 | 2,330 |
| Average total loans | $191,783,750 | 2,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,017 |
| Cost of funding earning assets | 0.3980% | 3,295 |
| Net interest margin | 3.4150% | 3,856 |
| Noninterest income to average assets | 3.1600% | 203 |
| Noninterest expense to average assets | 3.5868% | 1,154 |
| Loan and lease loss provision to assets | -0.0481% | 6,027 |
| Net operating income to assets | 1.9326% | 413 |
| Return on assets (ROA) | 1.9330% | 426 |
| Pretax return on assets | 2.7761% | 166 |
| Return on Equity (ROE) | 19.9017% | 273 |
| Retained earnings to average equity (ytd only) | -6.8479% | 6,084 |
| Net charge-offs to loans | -0.0333% | 5,369 |
| Credit loss provision to net charge-offs | 231.2500% | 1,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8049% | 5,357 |
| Assets per employee ($millions) | 3.2981% | 5,174 |
| Cash dividends to net income (ytd only)* | 134.4086% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 5,829 |
| Loan loss allowance to noncurrent loans | 174.0645% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4969% | 1,649 |
| Noncurrent loans to loans | 0.3998% | 4,282 |
| Net loans and leases to total assets | 63.4495% | 3,350 |
| Net loans and leases to deposits | 74.2533% | 3,462 |
| Net loans and leases to core deposits | 75.0604% | 3,845 |
| Total domestic deposits to total assets | 85.4501% | 2,947 |
| Equity capital to assets | 9.3974% | 4,782 |
| Core capital (leverage) ratio | 9.3225% | 4,523 |
| Tier 1 risk-based capital ratio | 13.3564% | 4,308 |
| Total risk-based capital ratio | 13.9846% | 4,579 |
| Memoranda: | ||
| Average total assets | $307,909,670 | 2,137 |
| Average earning assets | $284,389,670 | 2,137 |
| Average equity | $29,907,000 | 2,344 |
| Average total loans | $191,919,000 | 2,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 3,953 |
| Cost of funding earning assets | 0.4131% | 3,155 |
| Net interest margin | 3.4013% | 3,834 |
| Noninterest income to average assets | 3.2371% | 204 |
| Noninterest expense to average assets | 3.7208% | 980 |
| Loan and lease loss provision to assets | -0.1032% | 6,209 |
| Net operating income to assets | 1.9423% | 378 |
| Return on assets (ROA) | 1.9423% | 399 |
| Pretax return on assets | 2.7625% | 173 |
| Return on Equity (ROE) | 19.6840% | 278 |
| Retained earnings to average equity (ytd only) | 19.6840% | 104 |
| Net charge-offs to loans | -0.0628% | 5,638 |
| Credit loss provision to net charge-offs | 266.6667% | 887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3182% | 5,301 |
| Assets per employee ($millions) | 3.3178% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 5,891 |
| Loan loss allowance to noncurrent loans | 184.4567% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 1,744 |
| Noncurrent loans to loans | 0.3838% | 4,442 |
| Net loans and leases to total assets | 60.9535% | 3,530 |
| Net loans and leases to deposits | 71.1835% | 3,626 |
| Net loans and leases to core deposits | 71.9402% | 3,970 |
| Total domestic deposits to total assets | 85.6287% | 3,123 |
| Equity capital to assets | 10.1759% | 3,913 |
| Core capital (leverage) ratio | 10.0892% | 3,491 |
| Tier 1 risk-based capital ratio | 14.6079% | 3,657 |
| Total risk-based capital ratio | 15.2356% | 3,949 |
| Memoranda: | ||
| Average total assets | $310,152,500 | 2,133 |
| Average earning assets | $286,598,000 | 2,131 |
| Average equity | $30,603,500 | 2,314 |
| Average total loans | $190,943,500 | 2,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 3,455 |
| Cost of funding earning assets | 0.5234% | 2,458 |
| Net interest margin | 3.5420% | 3,630 |
| Noninterest income to average assets | 3.2377% | 174 |
| Noninterest expense to average assets | 3.5224% | 1,436 |
| Loan and lease loss provision to assets | -0.0506% | 6,040 |
| Net operating income to assets | 2.1007% | 274 |
| Return on assets (ROA) | 2.1007% | 282 |
| Pretax return on assets | 3.0340% | 110 |
| Return on Equity (ROE) | 22.2730% | 168 |
| Retained earnings to average equity (ytd only) | 2.1529% | 4,702 |
| Net charge-offs to loans | 0.0600% | 3,641 |
| Credit loss provision to net charge-offs | -133.3333% | 5,564 |
| Earnings coverage of net charge-offs (x) | 78.6083% | 635 |
| Efficiency ratio | 52.9752% | 5,914 |
| Assets per employee ($millions) | 3.3165% | 5,234 |
| Cash dividends to net income (ytd only)* | 90.3342% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 5,947 |
| Loan loss allowance to noncurrent loans | 171.0947% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5012% | 1,818 |
| Noncurrent loans to loans | 0.4224% | 4,374 |
| Net loans and leases to total assets | 61.2926% | 3,599 |
| Net loans and leases to deposits | 71.1303% | 3,777 |
| Net loans and leases to core deposits | 72.1196% | 4,108 |
| Total domestic deposits to total assets | 86.1695% | 2,741 |
| Equity capital to assets | 9.5618% | 4,636 |
| Core capital (leverage) ratio | 9.4390% | 4,327 |
| Tier 1 risk-based capital ratio | 13.6572% | 4,320 |
| Total risk-based capital ratio | 14.2968% | 4,611 |
| Memoranda: | ||
| Average total assets | $316,180,600 | 2,058 |
| Average earning assets | $291,728,800 | 2,057 |
| Average equity | $29,820,800 | 2,280 |
| Average total loans | $200,087,400 | 2,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,408 |
| Cost of funding earning assets | 0.5426% | 2,350 |
| Net interest margin | 3.5511% | 3,621 |
| Noninterest income to average assets | 3.2558% | 175 |
| Noninterest expense to average assets | 3.4979% | 1,463 |
| Loan and lease loss provision to assets | -0.0227% | 6,115 |
| Net operating income to assets | 2.1343% | 265 |
| Return on assets (ROA) | 2.1343% | 276 |
| Pretax return on assets | 3.0558% | 110 |
| Return on Equity (ROE) | 22.7062% | 166 |
| Retained earnings to average equity (ytd only) | 9.2944% | 901 |
| Net charge-offs to loans | 0.0825% | 3,022 |
| Credit loss provision to net charge-offs | -43.2000% | 5,330 |
| Earnings coverage of net charge-offs (x) | 57.7449% | 888 |
| Efficiency ratio | 52.3999% | 5,962 |
| Assets per employee ($millions) | 3.4390% | 4,981 |
| Cash dividends to net income (ytd only)* | 59.0668% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 6,007 |
| Loan loss allowance to noncurrent loans | 178.2557% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5399% | 1,996 |
| Noncurrent loans to loans | 0.4178% | 4,651 |
| Net loans and leases to total assets | 62.8519% | 3,364 |
| Net loans and leases to deposits | 72.8349% | 3,584 |
| Net loans and leases to core deposits | 73.8978% | 3,948 |
| Total domestic deposits to total assets | 86.2937% | 2,703 |
| Equity capital to assets | 9.8872% | 4,312 |
| Core capital (leverage) ratio | 9.7998% | 3,938 |
| Tier 1 risk-based capital ratio | 14.1980% | 4,081 |
| Total risk-based capital ratio | 14.8796% | 4,395 |
| Memoranda: | ||
| Average total assets | $317,287,750 | 2,061 |
| Average earning assets | $292,633,000 | 2,062 |
| Average equity | $29,823,750 | 2,292 |
| Average total loans | $201,991,250 | 2,039 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,265 |
| Cost of funding earning assets | 0.5581% | 2,280 |
| Net interest margin | 3.5617% | 3,522 |
| Noninterest income to average assets | 3.2634% | 173 |
| Noninterest expense to average assets | 3.5228% | 1,436 |
| Loan and lease loss provision to assets | -0.0460% | 6,291 |
| Net operating income to assets | 2.1078% | 273 |
| Return on assets (ROA) | 2.1078% | 287 |
| Pretax return on assets | 3.0700% | 111 |
| Return on Equity (ROE) | 22.8171% | 169 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,698 |
| Net charge-offs to loans | 0.0958% | 2,715 |
| Credit loss provision to net charge-offs | -75.2577% | 5,219 |
| Earnings coverage of net charge-offs (x) | 49.5052% | 918 |
| Efficiency ratio | 52.6549% | 6,019 |
| Assets per employee ($millions) | 3.4048% | 5,048 |
| Cash dividends to net income (ytd only)* | 89.6325% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 6,113 |
| Loan loss allowance to noncurrent loans | 182.6034% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 2,111 |
| Noncurrent loans to loans | 0.4052% | 4,774 |
| Net loans and leases to total assets | 63.5889% | 3,142 |
| Net loans and leases to deposits | 73.2635% | 3,426 |
| Net loans and leases to core deposits | 74.3222% | 3,801 |
| Total domestic deposits to total assets | 86.7948% | 2,581 |
| Equity capital to assets | 9.3495% | 4,921 |
| Core capital (leverage) ratio | 9.1984% | 4,745 |
| Tier 1 risk-based capital ratio | 13.3865% | 4,656 |
| Total risk-based capital ratio | 14.0726% | 4,961 |
| Memoranda: | ||
| Average total assets | $317,587,670 | 2,059 |
| Average earning assets | $292,779,000 | 2,056 |
| Average equity | $29,337,670 | 2,308 |
| Average total loans | $202,539,000 | 2,032 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,334 |
| Cost of funding earning assets | 0.5757% | 2,191 |
| Net interest margin | 3.5115% | 3,638 |
| Noninterest income to average assets | 3.2447% | 171 |
| Noninterest expense to average assets | 3.4082% | 1,684 |
| Loan and lease loss provision to assets | -0.1610% | 6,539 |
| Net operating income to assets | 2.2386% | 221 |
| Return on assets (ROA) | 2.2386% | 232 |
| Pretax return on assets | 3.2346% | 124 |
| Return on Equity (ROE) | 24.3802% | 137 |
| Retained earnings to average equity (ytd only) | 24.3802% | 61 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4164% | 6,168 |
| Assets per employee ($millions) | 3.3767% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 6,163 |
| Loan loss allowance to noncurrent loans | 159.6273% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 2,215 |
| Noncurrent loans to loans | 0.4802% | 4,720 |
| Net loans and leases to total assets | 62.8909% | 3,093 |
| Net loans and leases to deposits | 73.2229% | 3,165 |
| Net loans and leases to core deposits | 74.2862% | 3,617 |
| Total domestic deposits to total assets | 85.8897% | 3,420 |
| Equity capital to assets | 9.5847% | 4,379 |
| Core capital (leverage) ratio | 9.5983% | 4,135 |
| Tier 1 risk-based capital ratio | 13.8361% | 4,445 |
| Total risk-based capital ratio | 14.5320% | 4,765 |
| Memoranda: | ||
| Average total assets | $318,057,500 | 2,057 |
| Average earning assets | $293,209,500 | 2,058 |
| Average equity | $29,204,000 | 2,314 |
| Average total loans | $202,381,500 | 2,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 2,788 |
| Cost of funding earning assets | 0.6493% | 2,209 |
| Net interest margin | 3.6964% | 3,067 |
| Noninterest income to average assets | 3.2155% | 206 |
| Noninterest expense to average assets | 3.4600% | 1,751 |
| Loan and lease loss provision to assets | -0.0647% | 6,419 |
| Net operating income to assets | 2.2344% | 232 |
| Return on assets (ROA) | 2.2221% | 239 |
| Pretax return on assets | 3.2067% | 100 |
| Return on Equity (ROE) | 23.7708% | 154 |
| Retained earnings to average equity (ytd only) | -1.8045% | 6,154 |
| Net charge-offs to loans | 0.0078% | 5,299 |
| Credit loss provision to net charge-offs | -1,275.0000% | 6,261 |
| Earnings coverage of net charge-offs (x) | 622.8125% | 60 |
| Efficiency ratio | 50.7161% | 6,370 |
| Assets per employee ($millions) | 3.4269% | 5,029 |
| Cash dividends to net income (ytd only)* | 107.5913% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 6,126 |
| Loan loss allowance to noncurrent loans | 142.6985% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 2,278 |
| Noncurrent loans to loans | 0.5752% | 4,545 |
| Net loans and leases to total assets | 63.3589% | 3,149 |
| Net loans and leases to deposits | 72.9520% | 3,404 |
| Net loans and leases to core deposits | 73.8360% | 3,856 |
| Total domestic deposits to total assets | 86.8501% | 2,804 |
| Equity capital to assets | 8.7809% | 5,279 |
| Core capital (leverage) ratio | 9.0268% | 4,954 |
| Tier 1 risk-based capital ratio | 12.9248% | 5,035 |
| Total risk-based capital ratio | 13.6743% | 5,281 |
| Memoranda: | ||
| Average total assets | $315,375,600 | 2,038 |
| Average earning assets | $290,447,600 | 2,040 |
| Average equity | $29,481,600 | 2,283 |
| Average total loans | $203,827,400 | 1,972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 2,701 |
| Cost of funding earning assets | 0.6629% | 2,234 |
| Net interest margin | 3.7049% | 3,013 |
| Noninterest income to average assets | 3.2241% | 218 |
| Noninterest expense to average assets | 3.4428% | 1,732 |
| Loan and lease loss provision to assets | -0.0691% | 6,577 |
| Net operating income to assets | 2.2634% | 230 |
| Return on assets (ROA) | 2.2470% | 245 |
| Pretax return on assets | 3.2380% | 110 |
| Return on Equity (ROE) | 23.6732% | 148 |
| Retained earnings to average equity (ytd only) | 4.9168% | 3,142 |
| Net charge-offs to loans | 0.0092% | 4,965 |
| Credit loss provision to net charge-offs | -1,164.2857% | 6,212 |
| Earnings coverage of net charge-offs (x) | 537.8907% | 108 |
| Efficiency ratio | 50.3322% | 6,378 |
| Assets per employee ($millions) | 3.4218% | 5,015 |
| Cash dividends to net income (ytd only)* | 79.2304% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 6,234 |
| Loan loss allowance to noncurrent loans | 573.2441% | 793 |
| Noncurrent assets plus other real estate owned to assets | 1.3572% | 2,927 |
| Noncurrent loans to loans | 0.1434% | 5,894 |
| Net loans and leases to total assets | 64.9952% | 2,802 |
| Net loans and leases to deposits | 75.4927% | 3,025 |
| Net loans and leases to core deposits | 76.4133% | 3,578 |
| Total domestic deposits to total assets | 86.0947% | 3,202 |
| Equity capital to assets | 9.3226% | 4,775 |
| Core capital (leverage) ratio | 9.5504% | 4,333 |
| Tier 1 risk-based capital ratio | 13.4676% | 4,781 |
| Total risk-based capital ratio | 14.2277% | 5,088 |
| Memoranda: | ||
| Average total assets | $314,544,000 | 2,057 |
| Average earning assets | $289,627,000 | 2,052 |
| Average equity | $29,855,750 | 2,279 |
| Average total loans | $203,885,000 | 1,981 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,476 |
| Cost of funding earning assets | 0.6817% | 2,212 |
| Net interest margin | 3.7422% | 2,796 |
| Noninterest income to average assets | 3.2153% | 230 |
| Noninterest expense to average assets | 3.4610% | 1,695 |
| Loan and lease loss provision to assets | -0.1296% | 6,731 |
| Net operating income to assets | 2.3078% | 214 |
| Return on assets (ROA) | 2.2827% | 238 |
| Pretax return on assets | 3.2919% | 119 |
| Return on Equity (ROE) | 23.9048% | 146 |
| Retained earnings to average equity (ytd only) | -4.1713% | 6,408 |
| Net charge-offs to loans | 0.0030% | 4,866 |
| Credit loss provision to net charge-offs | -6,766.6667% | 6,250 |
| Earnings coverage of net charge-offs (x) | 1,670.3333% | 14 |
| Efficiency ratio | 50.4169% | 6,399 |
| Assets per employee ($millions) | 3.4331% | 4,987 |
| Cash dividends to net income (ytd only)* | 117.4497% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 6,259 |
| Loan loss allowance to noncurrent loans | 650.5792% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 3,086 |
| Noncurrent loans to loans | 0.1301% | 5,999 |
| Net loans and leases to total assets | 61.8455% | 3,316 |
| Net loans and leases to deposits | 71.2807% | 3,547 |
| Net loans and leases to core deposits | 72.1364% | 4,020 |
| Total domestic deposits to total assets | 86.7633% | 2,971 |
| Equity capital to assets | 8.6984% | 5,554 |
| Core capital (leverage) ratio | 9.0121% | 4,966 |
| Tier 1 risk-based capital ratio | 13.2592% | 4,951 |
| Total risk-based capital ratio | 14.0415% | 5,229 |
| Memoranda: | ||
| Average total assets | $313,317,000 | 2,073 |
| Average earning assets | $288,384,670 | 2,070 |
| Average equity | $29,918,670 | 2,277 |
| Average total loans | $202,331,670 | 1,993 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 2,356 |
| Cost of funding earning assets | 0.7023% | 2,186 |
| Net interest margin | 3.7456% | 2,675 |
| Noninterest income to average assets | 3.2623% | 226 |
| Noninterest expense to average assets | 3.5033% | 1,614 |
| Loan and lease loss provision to assets | -0.2127% | 6,898 |
| Net operating income to assets | 2.3974% | 180 |
| Return on assets (ROA) | 2.3974% | 193 |
| Pretax return on assets | 3.4156% | 115 |
| Return on Equity (ROE) | 24.0062% | 142 |
| Retained earnings to average equity (ytd only) | 24.0062% | 71 |
| Net charge-offs to loans | -0.0098% | 5,433 |
| Credit loss provision to net charge-offs | 3,300.0000% | 87 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6823% | 6,459 |
| Assets per employee ($millions) | 3.4167% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 6,376 |
| Loan loss allowance to noncurrent loans | 266.3077% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.5564% | 2,930 |
| Noncurrent loans to loans | 0.3173% | 5,607 |
| Net loans and leases to total assets | 65.3198% | 2,491 |
| Net loans and leases to deposits | 76.3985% | 2,571 |
| Net loans and leases to core deposits | 77.3509% | 3,152 |
| Total domestic deposits to total assets | 85.4987% | 3,796 |
| Equity capital to assets | 10.2484% | 3,860 |
| Core capital (leverage) ratio | 10.0194% | 3,356 |
| Tier 1 risk-based capital ratio | 14.1612% | 4,388 |
| Total risk-based capital ratio | 14.9530% | 4,683 |
| Memoranda: | ||
| Average total assets | $310,336,500 | 2,120 |
| Average earning assets | $285,346,000 | 2,122 |
| Average equity | $30,992,000 | 2,240 |
| Average total loans | $203,925,500 | 1,996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 2,801 |
| Cost of funding earning assets | 0.8931% | 1,974 |
| Net interest margin | 3.7555% | 3,415 |
| Noninterest income to average assets | 3.2643% | 226 |
| Noninterest expense to average assets | 3.4183% | 2,010 |
| Loan and lease loss provision to assets | 0.2530% | 2,632 |
| Net operating income to assets | 2.1320% | 287 |
| Return on assets (ROA) | 2.1773% | 292 |
| Pretax return on assets | 3.1242% | 127 |
| Return on Equity (ROE) | 23.1062% | 173 |
| Retained earnings to average equity (ytd only) | 2.5063% | 4,466 |
| Net charge-offs to loans | 0.2194% | 3,631 |
| Credit loss provision to net charge-offs | 175.7303% | 1,494 |
| Earnings coverage of net charge-offs (x) | 23.0090% | 1,234 |
| Efficiency ratio | 49.5554% | 6,617 |
| Assets per employee ($millions) | 3.3307% | 5,359 |
| Cash dividends to net income (ytd only)* | 89.1530% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,188 |
| Loan loss allowance to noncurrent loans | 290.9231% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5958% | 2,996 |
| Noncurrent loans to loans | 0.3202% | 5,687 |
| Net loans and leases to total assets | 64.9345% | 2,734 |
| Net loans and leases to deposits | 75.0006% | 2,966 |
| Net loans and leases to core deposits | 75.8313% | 3,555 |
| Total domestic deposits to total assets | 86.5787% | 3,053 |
| Equity capital to assets | 9.7238% | 4,564 |
| Core capital (leverage) ratio | 9.4156% | 4,235 |
| Tier 1 risk-based capital ratio | 13.5721% | 4,699 |
| Total risk-based capital ratio | 14.4566% | 4,901 |
| Memoranda: | ||
| Average total assets | $309,104,400 | 2,081 |
| Average earning assets | $285,313,400 | 2,074 |
| Average equity | $29,126,400 | 2,310 |
| Average total loans | $202,799,000 | 1,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 2,986 |
| Cost of funding earning assets | 0.9425% | 1,891 |
| Net interest margin | 3.7137% | 3,735 |
| Noninterest income to average assets | 3.2622% | 226 |
| Noninterest expense to average assets | 3.4202% | 1,955 |
| Loan and lease loss provision to assets | 0.2680% | 2,432 |
| Net operating income to assets | 2.1005% | 328 |
| Return on assets (ROA) | 2.1216% | 356 |
| Pretax return on assets | 3.0374% | 149 |
| Return on Equity (ROE) | 22.6972% | 204 |
| Retained earnings to average equity (ytd only) | -5.0048% | 6,615 |
| Net charge-offs to loans | 0.2933% | 2,971 |
| Credit loss provision to net charge-offs | 139.2377% | 2,073 |
| Earnings coverage of net charge-offs (x) | 17.0157% | 1,645 |
| Efficiency ratio | 49.8453% | 6,600 |
| Assets per employee ($millions) | 3.2484% | 5,537 |
| Cash dividends to net income (ytd only)* | 122.0505% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 6,531 |
| Loan loss allowance to noncurrent loans | 50.2762% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,200 |
| Noncurrent loans to loans | 1.6669% | 3,291 |
| Net loans and leases to total assets | 67.0009% | 2,458 |
| Net loans and leases to deposits | 78.1801% | 2,637 |
| Net loans and leases to core deposits | 79.1403% | 3,306 |
| Total domestic deposits to total assets | 85.7008% | 3,413 |
| Equity capital to assets | 9.3481% | 5,409 |
| Core capital (leverage) ratio | 8.9893% | 5,082 |
| Tier 1 risk-based capital ratio | 12.6083% | 5,557 |
| Total risk-based capital ratio | 13.4120% | 5,819 |
| Memoranda: | ||
| Average total assets | $308,941,750 | 2,107 |
| Average earning assets | $285,604,000 | 2,099 |
| Average equity | $28,878,000 | 2,343 |
| Average total loans | $202,741,500 | 2,007 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 3,114 |
| Cost of funding earning assets | 1.0299% | 1,583 |
| Net interest margin | 3.6252% | 4,166 |
| Noninterest income to average assets | 3.1915% | 225 |
| Noninterest expense to average assets | 3.5055% | 1,771 |
| Loan and lease loss provision to assets | 0.3405% | 1,938 |
| Net operating income to assets | 1.8739% | 487 |
| Return on assets (ROA) | 1.8753% | 556 |
| Pretax return on assets | 2.6956% | 223 |
| Return on Equity (ROE) | 20.0626% | 355 |
| Retained earnings to average equity (ytd only) | 2.8148% | 4,753 |
| Net charge-offs to loans | 0.0496% | 4,710 |
| Credit loss provision to net charge-offs | 1,056.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 94.1000% | 453 |
| Efficiency ratio | 52.3420% | 6,472 |
| Assets per employee ($millions) | 3.1929% | 5,656 |
| Cash dividends to net income (ytd only)* | 85.9697% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,177 |
| Loan loss allowance to noncurrent loans | 59.0869% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6283% | 3,284 |
| Noncurrent loans to loans | 1.6864% | 3,368 |
| Net loans and leases to total assets | 67.2686% | 2,411 |
| Net loans and leases to deposits | 80.0070% | 2,381 |
| Net loans and leases to core deposits | 81.0225% | 3,085 |
| Total domestic deposits to total assets | 84.0784% | 4,289 |
| Equity capital to assets | 9.9032% | 4,481 |
| Core capital (leverage) ratio | 9.3752% | 4,329 |
| Tier 1 risk-based capital ratio | 13.5093% | 4,815 |
| Total risk-based capital ratio | 14.4704% | 4,998 |
| Memoranda: | ||
| Average total assets | $310,140,670 | 2,094 |
| Average earning assets | $286,442,670 | 2,081 |
| Average equity | $28,989,330 | 2,328 |
| Average total loans | $201,551,000 | 2,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 3,694 |
| Cost of funding earning assets | 1.1498% | 1,175 |
| Net interest margin | 3.4054% | 5,099 |
| Noninterest income to average assets | 2.9675% | 247 |
| Noninterest expense to average assets | 3.4410% | 1,910 |
| Loan and lease loss provision to assets | 0.0673% | 4,570 |
| Net operating income to assets | 1.8162% | 583 |
| Return on assets (ROA) | 1.8189% | 652 |
| Pretax return on assets | 2.6134% | 285 |
| Return on Equity (ROE) | 20.0262% | 387 |
| Retained earnings to average equity (ytd only) | -14.9113% | 6,972 |
| Net charge-offs to loans | 0.1038% | 3,508 |
| Credit loss provision to net charge-offs | 101.9231% | 2,256 |
| Earnings coverage of net charge-offs (x) | 40.5577% | 744 |
| Efficiency ratio | 54.9170% | 6,242 |
| Assets per employee ($millions) | 3.4893% | 5,140 |
| Cash dividends to net income (ytd only)* | 174.4592% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 6,779 |
| Loan loss allowance to noncurrent loans | 46.5151% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 3,513 |
| Noncurrent loans to loans | 1.6661% | 3,604 |
| Net loans and leases to total assets | 63.4003% | 2,969 |
| Net loans and leases to deposits | 73.7565% | 3,150 |
| Net loans and leases to core deposits | 74.6416% | 3,812 |
| Total domestic deposits to total assets | 85.9589% | 3,552 |
| Equity capital to assets | 8.9525% | 5,567 |
| Core capital (leverage) ratio | 8.7003% | 5,293 |
| Tier 1 risk-based capital ratio | 12.9670% | 5,243 |
| Total risk-based capital ratio | 13.7131% | 5,598 |
| Memoranda: | ||
| Average total assets | $315,144,000 | 2,058 |
| Average earning assets | $291,539,000 | 2,049 |
| Average equity | $28,622,500 | 2,349 |
| Average total loans | $200,362,500 | 2,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 3,836 |
| Cost of funding earning assets | 1.3437% | 1,272 |
| Net interest margin | 3.4510% | 5,328 |
| Noninterest income to average assets | 3.2133% | 196 |
| Noninterest expense to average assets | 3.2931% | 2,543 |
| Loan and lease loss provision to assets | 0.2112% | 4,075 |
| Net operating income to assets | 1.9848% | 319 |
| Return on assets (ROA) | 1.9894% | 334 |
| Pretax return on assets | 2.9100% | 134 |
| Return on Equity (ROE) | 21.6928% | 194 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,044 |
| Net charge-offs to loans | 0.3032% | 3,883 |
| Credit loss provision to net charge-offs | 106.8966% | 3,166 |
| Earnings coverage of net charge-offs (x) | 15.7652% | 1,372 |
| Efficiency ratio | 49.5418% | 6,862 |
| Assets per employee ($millions) | 3.5139% | 4,980 |
| Cash dividends to net income (ytd only)* | 72.5583% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 6,790 |
| Loan loss allowance to noncurrent loans | 37.1948% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9731% | 3,006 |
| Noncurrent loans to loans | 2.0883% | 3,081 |
| Net loans and leases to total assets | 62.7716% | 3,451 |
| Net loans and leases to deposits | 73.8478% | 3,525 |
| Net loans and leases to core deposits | 74.8178% | 4,131 |
| Total domestic deposits to total assets | 85.0012% | 3,846 |
| Equity capital to assets | 9.2113% | 5,266 |
| Core capital (leverage) ratio | 8.9320% | 4,889 |
| Tier 1 risk-based capital ratio | 13.4681% | 4,717 |
| Total risk-based capital ratio | 14.2149% | 5,074 |
| Memoranda: | ||
| Average total assets | $308,277,000 | 2,076 |
| Average earning assets | $285,339,400 | 2,058 |
| Average equity | $28,272,000 | 2,314 |
| Average total loans | $200,871,000 | 2,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 3,683 |
| Cost of funding earning assets | 1.3708% | 1,369 |
| Net interest margin | 3.4986% | 5,197 |
| Noninterest income to average assets | 3.2061% | 196 |
| Noninterest expense to average assets | 3.2792% | 2,561 |
| Loan and lease loss provision to assets | 0.3774% | 2,592 |
| Net operating income to assets | 1.9015% | 420 |
| Return on assets (ROA) | 1.9015% | 456 |
| Pretax return on assets | 2.7891% | 166 |
| Return on Equity (ROE) | 20.7570% | 264 |
| Retained earnings to average equity (ytd only) | 10.0649% | 826 |
| Net charge-offs to loans | 0.3806% | 3,211 |
| Credit loss provision to net charge-offs | 151.0453% | 2,065 |
| Earnings coverage of net charge-offs (x) | 12.6725% | 1,682 |
| Efficiency ratio | 49.0241% | 6,885 |
| Assets per employee ($millions) | 3.5794% | 4,811 |
| Cash dividends to net income (ytd only)* | 51.5111% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,613 |
| Loan loss allowance to noncurrent loans | 58.8331% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 4,445 |
| Noncurrent loans to loans | 1.5206% | 3,999 |
| Net loans and leases to total assets | 63.4825% | 3,416 |
| Net loans and leases to deposits | 75.4564% | 3,421 |
| Net loans and leases to core deposits | 76.5421% | 4,125 |
| Total domestic deposits to total assets | 84.1314% | 4,168 |
| Equity capital to assets | 9.4160% | 5,220 |
| Core capital (leverage) ratio | 9.0099% | 4,908 |
| Tier 1 risk-based capital ratio | 13.7764% | 4,517 |
| Total risk-based capital ratio | 14.6530% | 4,776 |
| Memoranda: | ||
| Average total assets | $306,283,000 | 2,097 |
| Average earning assets | $283,613,500 | 2,075 |
| Average equity | $28,057,250 | 2,328 |
| Average total loans | $201,071,000 | 2,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 3,604 |
| Cost of funding earning assets | 1.3974% | 1,432 |
| Net interest margin | 3.5057% | 5,138 |
| Noninterest income to average assets | 3.2026% | 213 |
| Noninterest expense to average assets | 3.2771% | 2,644 |
| Loan and lease loss provision to assets | 0.4153% | 2,353 |
| Net operating income to assets | 1.8182% | 483 |
| Return on assets (ROA) | 1.8182% | 513 |
| Pretax return on assets | 2.7516% | 177 |
| Return on Equity (ROE) | 20.0412% | 306 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,870 |
| Net charge-offs to loans | 0.4123% | 2,903 |
| Credit loss provision to net charge-offs | 152.1739% | 2,011 |
| Earnings coverage of net charge-offs (x) | 11.6039% | 1,702 |
| Efficiency ratio | 48.9821% | 7,010 |
| Assets per employee ($millions) | 3.5722% | 4,741 |
| Cash dividends to net income (ytd only)* | 81.5809% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 6,774 |
| Loan loss allowance to noncurrent loans | 71.3165% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 4,899 |
| Noncurrent loans to loans | 1.1908% | 4,663 |
| Net loans and leases to total assets | 64.1768% | 3,423 |
| Net loans and leases to deposits | 75.7240% | 3,525 |
| Net loans and leases to core deposits | 76.6778% | 4,231 |
| Total domestic deposits to total assets | 84.7510% | 3,991 |
| Equity capital to assets | 8.8231% | 5,792 |
| Core capital (leverage) ratio | 8.5319% | 5,504 |
| Tier 1 risk-based capital ratio | 12.8930% | 5,002 |
| Total risk-based capital ratio | 13.7286% | 5,344 |
| Memoranda: | ||
| Average total assets | $303,382,000 | 2,123 |
| Average earning assets | $280,516,670 | 2,097 |
| Average equity | $27,523,330 | 2,347 |
| Average total loans | $200,839,330 | 2,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 3,628 |
| Cost of funding earning assets | 1.4354% | 1,453 |
| Net interest margin | 3.4569% | 5,193 |
| Noninterest income to average assets | 3.2146% | 204 |
| Noninterest expense to average assets | 3.3394% | 2,443 |
| Loan and lease loss provision to assets | 0.0524% | 5,345 |
| Net operating income to assets | 1.9148% | 393 |
| Return on assets (ROA) | 1.9148% | 418 |
| Pretax return on assets | 3.0145% | 144 |
| Return on Equity (ROE) | 20.8046% | 303 |
| Retained earnings to average equity (ytd only) | 20.8046% | 157 |
| Net charge-offs to loans | -0.0120% | 6,416 |
| Credit loss provision to net charge-offs | -650.0000% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2201% | 6,974 |
| Assets per employee ($millions) | 3.4052% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 6,930 |
| Loan loss allowance to noncurrent loans | 2,830.9091% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 6,999 |
| Noncurrent loans to loans | 0.0281% | 6,990 |
| Net loans and leases to total assets | 64.7651% | 3,293 |
| Net loans and leases to deposits | 77.0231% | 3,249 |
| Net loans and leases to core deposits | 78.4271% | 3,962 |
| Total domestic deposits to total assets | 84.0853% | 4,460 |
| Equity capital to assets | 9.4067% | 4,564 |
| Core capital (leverage) ratio | 8.9042% | 4,767 |
| Tier 1 risk-based capital ratio | 13.8060% | 4,210 |
| Total risk-based capital ratio | 14.5880% | 4,533 |
| Memoranda: | ||
| Average total assets | $297,895,500 | 2,174 |
| Average earning assets | $275,047,000 | 2,161 |
| Average equity | $27,417,000 | 2,342 |
| Average total loans | $199,523,500 | 2,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 4,925 |
| Cost of funding earning assets | 1.6881% | 1,656 |
| Net interest margin | 3.2298% | 6,193 |
| Noninterest income to average assets | 3.2853% | 210 |
| Noninterest expense to average assets | 3.3886% | 2,465 |
| Loan and lease loss provision to assets | 0.0298% | 6,831 |
| Net operating income to assets | 1.9641% | 298 |
| Return on assets (ROA) | 2.0862% | 255 |
| Pretax return on assets | 3.0180% | 119 |
| Return on Equity (ROE) | 23.4676% | 127 |
| Retained earnings to average equity (ytd only) | 4.2777% | 2,849 |
| Net charge-offs to loans | 0.0350% | 6,451 |
| Credit loss provision to net charge-offs | 128.5714% | 3,109 |
| Earnings coverage of net charge-offs (x) | 123.8143% | 207 |
| Efficiency ratio | 51.4050% | 7,031 |
| Assets per employee ($millions) | 3.4434% | 5,075 |
| Cash dividends to net income (ytd only)* | 81.7720% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 7,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 7,116 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.1803% | 2,940 |
| Net loans and leases to deposits | 80.8679% | 3,016 |
| Net loans and leases to core deposits | 83.1249% | 3,730 |
| Total domestic deposits to total assets | 84.3107% | 4,220 |
| Equity capital to assets | 8.9980% | 5,144 |
| Core capital (leverage) ratio | 8.4558% | 5,442 |
| Tier 1 risk-based capital ratio | 12.7567% | 4,812 |
| Total risk-based capital ratio | 13.4995% | 5,221 |
| Memoranda: | ||
| Average total assets | $301,891,400 | 2,143 |
| Average earning assets | $278,004,000 | 2,131 |
| Average equity | $26,837,000 | 2,386 |
| Average total loans | $200,162,400 | 2,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 5,270 |
| Cost of funding earning assets | 1.7429% | 1,657 |
| Net interest margin | 3.1568% | 6,465 |
| Noninterest income to average assets | 3.2369% | 207 |
| Noninterest expense to average assets | 3.3639% | 2,386 |
| Loan and lease loss provision to assets | 0.0396% | 6,688 |
| Net operating income to assets | 1.8988% | 403 |
| Return on assets (ROA) | 2.0602% | 327 |
| Pretax return on assets | 2.9731% | 127 |
| Return on Equity (ROE) | 23.2443% | 156 |
| Retained earnings to average equity (ytd only) | 5.1428% | 2,881 |
| Net charge-offs to loans | 0.0475% | 6,050 |
| Credit loss provision to net charge-offs | 126.7606% | 3,219 |
| Earnings coverage of net charge-offs (x) | 89.0463% | 346 |
| Efficiency ratio | 51.9928% | 6,971 |
| Assets per employee ($millions) | 3.4302% | 5,135 |
| Cash dividends to net income (ytd only)* | 77.8750% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 7,138 |
| Loan loss allowance to noncurrent loans | 229.6353% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,701 |
| Noncurrent loans to loans | 0.3205% | 6,553 |
| Net loans and leases to total assets | 69.0886% | 2,961 |
| Net loans and leases to deposits | 82.7350% | 2,954 |
| Net loans and leases to core deposits | 84.6244% | 3,858 |
| Total domestic deposits to total assets | 83.5058% | 4,371 |
| Equity capital to assets | 9.1067% | 5,440 |
| Core capital (leverage) ratio | 8.3083% | 5,858 |
| Tier 1 risk-based capital ratio | 12.5962% | 4,894 |
| Total risk-based capital ratio | 13.3360% | 5,346 |
| Memoranda: | ||
| Average total assets | $303,331,500 | 2,162 |
| Average earning assets | $279,222,000 | 2,149 |
| Average equity | $26,884,750 | 2,424 |
| Average total loans | $199,349,250 | 2,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 5,658 |
| Cost of funding earning assets | 1.7848% | 1,705 |
| Net interest margin | 3.0520% | 6,713 |
| Noninterest income to average assets | 3.1753% | 209 |
| Noninterest expense to average assets | 3.3851% | 2,302 |
| Loan and lease loss provision to assets | 0.0412% | 6,558 |
| Net operating income to assets | 1.7581% | 520 |
| Return on assets (ROA) | 1.9980% | 365 |
| Pretax return on assets | 2.9055% | 138 |
| Return on Equity (ROE) | 22.7434% | 186 |
| Retained earnings to average equity (ytd only) | 17.9091% | 129 |
| Net charge-offs to loans | 0.0649% | 5,492 |
| Credit loss provision to net charge-offs | 98.4375% | 4,167 |
| Earnings coverage of net charge-offs (x) | 62.1563% | 500 |
| Efficiency ratio | 53.7504% | 6,909 |
| Assets per employee ($millions) | 3.5642% | 4,773 |
| Cash dividends to net income (ytd only)* | 21.2557% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 7,149 |
| Loan loss allowance to noncurrent loans | 226.5957% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,749 |
| Noncurrent loans to loans | 0.3309% | 6,565 |
| Net loans and leases to total assets | 64.3776% | 4,181 |
| Net loans and leases to deposits | 76.3246% | 4,273 |
| Net loans and leases to core deposits | 78.2613% | 4,899 |
| Total domestic deposits to total assets | 84.3470% | 3,934 |
| Equity capital to assets | 9.1445% | 5,227 |
| Core capital (leverage) ratio | 8.6864% | 5,100 |
| Tier 1 risk-based capital ratio | 13.5639% | 4,033 |
| Total risk-based capital ratio | 14.3151% | 4,339 |
| Memoranda: | ||
| Average total assets | $306,108,330 | 2,169 |
| Average earning assets | $281,719,330 | 2,147 |
| Average equity | $26,891,330 | 2,418 |
| Average total loans | $197,358,000 | 2,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 6,008 |
| Cost of funding earning assets | 1.8163% | 1,813 |
| Net interest margin | 2.9512% | 6,937 |
| Noninterest income to average assets | 3.0899% | 206 |
| Noninterest expense to average assets | 3.4076% | 2,212 |
| Loan and lease loss provision to assets | 0.0824% | 5,815 |
| Net operating income to assets | 1.5974% | 758 |
| Return on assets (ROA) | 1.8817% | 456 |
| Pretax return on assets | 2.7251% | 178 |
| Return on Equity (ROE) | 21.8676% | 281 |
| Retained earnings to average equity (ytd only) | 21.8676% | 155 |
| Net charge-offs to loans | 0.1119% | 4,313 |
| Credit loss provision to net charge-offs | 114.5455% | 3,035 |
| Earnings coverage of net charge-offs (x) | 33.3091% | 808 |
| Efficiency ratio | 55.8134% | 6,789 |
| Assets per employee ($millions) | 3.7334% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 7,212 |
| Loan loss allowance to noncurrent loans | 210.3787% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 6,548 |
| Noncurrent loans to loans | 0.3634% | 6,574 |
| Net loans and leases to total assets | 62.8338% | 4,575 |
| Net loans and leases to deposits | 73.9592% | 4,747 |
| Net loans and leases to core deposits | 75.7905% | 5,288 |
| Total domestic deposits to total assets | 84.9574% | 3,695 |
| Equity capital to assets | 8.7171% | 5,706 |
| Core capital (leverage) ratio | 8.2565% | 5,822 |
| Tier 1 risk-based capital ratio | 12.2159% | 4,978 |
| Total risk-based capital ratio | 12.9633% | 5,425 |
| Memoranda: | ||
| Average total assets | $305,901,000 | 2,219 |
| Average earning assets | $281,238,000 | 2,199 |
| Average equity | $26,322,000 | 2,483 |
| Average total loans | $196,625,500 | 2,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 6,470 |
| Cost of funding earning assets | 2.1197% | 2,367 |
| Net interest margin | 2.8693% | 6,918 |
| Noninterest income to average assets | 3.2764% | 208 |
| Noninterest expense to average assets | 8.2369% | 134 |
| Loan and lease loss provision to assets | 0.0740% | 6,845 |
| Net operating income to assets | -1.4961% | 6,853 |
| Return on assets (ROA) | -1.4236% | 6,823 |
| Pretax return on assets | -2.3791% | 7,101 |
| Return on Equity (ROE) | -12.4527% | 6,794 |
| Retained earnings to average equity (ytd only) | -27.2949% | 7,321 |
| Net charge-offs to loans | 0.1536% | 5,730 |
| Credit loss provision to net charge-offs | 75.4325% | 6,383 |
| Earnings coverage of net charge-offs (x) | -24.6609% | 7,196 |
| Efficiency ratio | 57.3020% | 6,863 |
| Assets per employee ($millions) | 3.6377% | 4,676 |
| Cash dividends to net income (ytd only)* | -119.1895% | 7,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 7,240 |
| Loan loss allowance to noncurrent loans | 200.5376% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,460 |
| Noncurrent loans to loans | 0.3776% | 6,524 |
| Net loans and leases to total assets | 64.7682% | 4,426 |
| Net loans and leases to deposits | 76.0760% | 4,734 |
| Net loans and leases to core deposits | 90.4794% | 5,070 |
| Total domestic deposits to total assets | 85.1362% | 3,493 |
| Equity capital to assets | 8.4894% | 5,896 |
| Core capital (leverage) ratio | 7.9563% | 6,251 |
| Tier 1 risk-based capital ratio | 12.0236% | 4,930 |
| Total risk-based capital ratio | 12.7620% | 5,345 |
| Memoranda: | ||
| Average total assets | $294,685,200 | 2,249 |
| Average earning assets | $261,073,800 | 2,322 |
| Average equity | $33,687,600 | 1,990 |
| Average total loans | $188,094,200 | 2,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 6,499 |
| Cost of funding earning assets | 2.1782% | 2,511 |
| Net interest margin | 2.8562% | 6,953 |
| Noninterest income to average assets | 3.2787% | 203 |
| Noninterest expense to average assets | 3.5819% | 2,068 |
| Loan and lease loss provision to assets | 0.0806% | 6,564 |
| Net operating income to assets | 1.4961% | 820 |
| Return on assets (ROA) | 1.5569% | 777 |
| Pretax return on assets | 2.2098% | 340 |
| Return on Equity (ROE) | 12.7723% | 1,154 |
| Retained earnings to average equity (ytd only) | 12.7723% | 274 |
| Net charge-offs to loans | 0.0108% | 6,789 |
| Credit loss provision to net charge-offs | 1,180.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 322.6585% | 114 |
| Efficiency ratio | 57.7274% | 6,755 |
| Assets per employee ($millions) | 3.6004% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 6,773 |
| Loan loss allowance to noncurrent loans | 491.4530% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 6,803 |
| Noncurrent loans to loans | 0.1823% | 7,036 |
| Net loans and leases to total assets | 63.1066% | 5,051 |
| Net loans and leases to deposits | 79.6755% | 4,445 |
| Net loans and leases to core deposits | 96.4265% | 4,762 |
| Total domestic deposits to total assets | 79.2045% | 5,732 |
| Equity capital to assets | 12.6958% | 1,834 |
| Core capital (leverage) ratio | 8.4173% | 5,643 |
| Tier 1 risk-based capital ratio | 12.3382% | 4,673 |
| Total risk-based capital ratio | 13.2219% | 4,937 |
| Memoranda: | ||
| Average total assets | $292,874,250 | 2,284 |
| Average earning assets | $257,024,000 | 2,364 |
| Average equity | $35,701,500 | 1,908 |
| Average total loans | $185,856,250 | 2,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 6,596 |
| Cost of funding earning assets | 2.2078% | 2,761 |
| Net interest margin | 2.8488% | 6,918 |
| Noninterest income to average assets | 3.2960% | 192 |
| Noninterest expense to average assets | 3.6543% | 1,937 |
| Loan and lease loss provision to assets | 0.0311% | 6,931 |
| Net operating income to assets | 1.4846% | 863 |
| Return on assets (ROA) | 1.5782% | 777 |
| Pretax return on assets | 2.2307% | 334 |
| Return on Equity (ROE) | 13.1367% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.1367% | 313 |
| Net charge-offs to loans | 0.0120% | 6,389 |
| Credit loss provision to net charge-offs | 409.0909% | 1,134 |
| Earnings coverage of net charge-offs (x) | 280.4545% | 138 |
| Efficiency ratio | 58.9401% | 6,703 |
| Assets per employee ($millions) | 3.4779% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 7,404 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.9261% | 5,370 |
| Net loans and leases to deposits | 77.8851% | 4,894 |
| Net loans and leases to core deposits | 93.9678% | 5,120 |
| Total domestic deposits to total assets | 79.5095% | 5,642 |
| Equity capital to assets | 12.2848% | 2,036 |
| Core capital (leverage) ratio | 8.1128% | 6,139 |
| Tier 1 risk-based capital ratio | 11.8938% | 5,006 |
| Total risk-based capital ratio | 12.7309% | 5,321 |
| Memoranda: | ||
| Average total assets | $289,688,670 | 2,321 |
| Average earning assets | $253,015,670 | 2,414 |
| Average equity | $34,803,330 | 1,949 |
| Average total loans | $183,615,330 | 2,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 6,728 |
| Cost of funding earning assets | 2.1999% | 3,167 |
| Net interest margin | 2.8743% | 6,820 |
| Noninterest income to average assets | 3.2492% | 198 |
| Noninterest expense to average assets | 3.5338% | 2,019 |
| Loan and lease loss provision to assets | 0.0279% | 6,578 |
| Net operating income to assets | 1.5585% | 843 |
| Return on assets (ROA) | 1.5862% | 882 |
| Pretax return on assets | 2.2419% | 401 |
| Return on Equity (ROE) | 13.3582% | 1,304 |
| Retained earnings to average equity (ytd only) | 13.3582% | 589 |
| Net charge-offs to loans | 0.0153% | 5,370 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 228.4286% | 187 |
| Efficiency ratio | 57.0184% | 6,825 |
| Assets per employee ($millions) | 3.3628% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 7,375 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.3240% | 5,104 |
| Net loans and leases to deposits | 80.7125% | 4,499 |
| Net loans and leases to core deposits | 95.9812% | 4,970 |
| Total domestic deposits to total assets | 78.4563% | 5,876 |
| Equity capital to assets | 11.7986% | 2,383 |
| Core capital (leverage) ratio | 7.8680% | 6,668 |
| Tier 1 risk-based capital ratio | 11.1318% | 5,783 |
| Total risk-based capital ratio | 11.9561% | 6,089 |
| Memoranda: | ||
| Average total assets | $286,720,500 | 2,353 |
| Average earning assets | $250,915,000 | 2,436 |
| Average equity | $34,046,500 | 2,002 |
| Average total loans | $183,090,000 | 2,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 6,362 |
| Cost of funding earning assets | 2.5184% | 4,099 |
| Net interest margin | 3.3051% | 6,018 |
| Noninterest income to average assets | 3.4118% | 167 |
| Noninterest expense to average assets | 3.8873% | 1,584 |
| Loan and lease loss provision to assets | -0.0930% | 8,251 |
| Net operating income to assets | 2.4929% | 127 |
| Return on assets (ROA) | 0.2712% | 5,457 |
| Pretax return on assets | 0.2361% | 5,654 |
| Return on Equity (ROE) | 2.1634% | 5,558 |
| Retained earnings to average equity (ytd only) | -1.1860% | 5,651 |
| Net charge-offs to loans | -0.2404% | 8,182 |
| Credit loss provision to net charge-offs | 61.1794% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4643% | 6,946 |
| Assets per employee ($millions) | 3.2671% | 5,298 |
| Cash dividends to net income (ytd only)* | 154.8209% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,273 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.2941% | 5,404 |
| Net loans and leases to deposits | 81.8231% | 4,752 |
| Net loans and leases to core deposits | 96.5746% | 5,197 |
| Total domestic deposits to total assets | 77.3549% | 5,906 |
| Equity capital to assets | 11.9516% | 2,319 |
| Core capital (leverage) ratio | 7.4912% | 7,215 |
| Tier 1 risk-based capital ratio | 10.3831% | 6,330 |
| Total risk-based capital ratio | 11.1992% | 6,685 |
| Memoranda: | ||
| Average total assets | $267,720,400 | 2,400 |
| Average earning assets | $230,067,600 | 2,555 |
| Average equity | $33,558,800 | 2,019 |
| Average total loans | $169,301,200 | 2,625 |