Home > First Community Bank > Performance and Condition Ratios
First Community 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 | 3.1786% | 5,394 |
| Cost of funding earning assets | 0.2648% | 4,448 |
| Net interest margin | 2.9138% | 5,162 |
| Noninterest income to average assets | 0.5230% | 3,094 |
| Noninterest expense to average assets | 2.3859% | 4,320 |
| Loan and lease loss provision to assets | -0.1617% | 5,847 |
| Net operating income to assets | 0.6892% | 3,911 |
| Return on assets (ROA) | 0.6892% | 4,043 |
| Pretax return on assets | 0.9681% | 3,748 |
| Return on Equity (ROE) | 5.1054% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.6906% | 4,831 |
| Net charge-offs to loans | -0.0489% | 5,359 |
| Credit loss provision to net charge-offs | 737.9310% | 541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7396% | 2,150 |
| Assets per employee ($millions) | 6.5977% | 1,046 |
| Cash dividends to net income (ytd only)* | 66.8857% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 5,141 |
| Loan loss allowance to noncurrent loans | 30.9023% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 5.3719% | 122 |
| Noncurrent loans to loans | 2.6434% | 632 |
| Net loans and leases to total assets | 46.7853% | 5,039 |
| Net loans and leases to deposits | 54.5403% | 5,079 |
| Net loans and leases to core deposits | 60.1917% | 4,925 |
| Total domestic deposits to total assets | 85.7812% | 2,465 |
| Equity capital to assets | 13.2417% | 1,375 |
| Core capital (leverage) ratio | 12.6879% | 1,316 |
| Tier 1 risk-based capital ratio | 22.0483% | 1,132 |
| Total risk-based capital ratio | 22.7010% | 1,185 |
| Memoranda: | ||
| Average total assets | $176,424,000 | 3,221 |
| Average earning assets | $161,620,250 | 3,224 |
| Average equity | $23,817,250 | 2,833 |
| Average total loans | $79,126,500 | 3,846 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1155% | 5,530 |
| Cost of funding earning assets | 0.2565% | 4,588 |
| Net interest margin | 2.8590% | 5,332 |
| Noninterest income to average assets | 0.4886% | 3,273 |
| Noninterest expense to average assets | 2.3218% | 4,548 |
| Loan and lease loss provision to assets | -0.2067% | 5,939 |
| Net operating income to assets | 0.7144% | 3,724 |
| Return on assets (ROA) | 0.7144% | 3,877 |
| Pretax return on assets | 1.0031% | 3,572 |
| Return on Equity (ROE) | 5.2595% | 4,408 |
| Retained earnings to average equity (ytd only) | 0.2150% | 5,241 |
| Net charge-offs to loans | 0.0102% | 3,353 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 366 |
| Efficiency ratio | 74.4597% | 2,297 |
| Assets per employee ($millions) | 6.5634% | 1,057 |
| Cash dividends to net income (ytd only)* | 95.9119% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 5,192 |
| Loan loss allowance to noncurrent loans | 30.7333% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 5.2011% | 139 |
| Noncurrent loans to loans | 2.7018% | 601 |
| Net loans and leases to total assets | 44.3454% | 5,211 |
| Net loans and leases to deposits | 51.1152% | 5,289 |
| Net loans and leases to core deposits | 56.1622% | 5,159 |
| Total domestic deposits to total assets | 86.7559% | 2,034 |
| Equity capital to assets | 12.6809% | 1,670 |
| Core capital (leverage) ratio | 12.2552% | 1,487 |
| Tier 1 risk-based capital ratio | 21.6953% | 1,169 |
| Total risk-based capital ratio | 22.3426% | 1,238 |
| Memoranda: | ||
| Average total assets | $178,051,670 | 3,210 |
| Average earning assets | $163,763,000 | 3,224 |
| Average equity | $24,184,670 | 2,816 |
| Average total loans | $78,529,670 | 3,882 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 5,554 |
| Cost of funding earning assets | 0.2463% | 4,743 |
| Net interest margin | 2.8997% | 5,318 |
| Noninterest income to average assets | 0.4953% | 3,150 |
| Noninterest expense to average assets | 2.3040% | 4,652 |
| Loan and lease loss provision to assets | -0.4124% | 6,073 |
| Net operating income to assets | 0.8629% | 2,932 |
| Return on assets (ROA) | 0.8629% | 3,045 |
| Pretax return on assets | 1.2685% | 2,426 |
| Return on Equity (ROE) | 6.1499% | 3,903 |
| Retained earnings to average equity (ytd only) | -3.5941% | 5,522 |
| Net charge-offs to loans | -0.0716% | 5,509 |
| Credit loss provision to net charge-offs | 1,314.2857% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9078% | 2,659 |
| Assets per employee ($millions) | 6.8584% | 949 |
| Cash dividends to net income (ytd only)* | 158.4416% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,187 |
| Loan loss allowance to noncurrent loans | 31.2240% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 5.5580% | 139 |
| Noncurrent loans to loans | 2.7558% | 634 |
| Net loans and leases to total assets | 43.6781% | 5,263 |
| Net loans and leases to deposits | 50.1988% | 5,330 |
| Net loans and leases to core deposits | 54.2654% | 5,236 |
| Total domestic deposits to total assets | 87.0103% | 2,207 |
| Equity capital to assets | 12.4463% | 1,717 |
| Core capital (leverage) ratio | 12.0703% | 1,564 |
| Tier 1 risk-based capital ratio | 21.9356% | 1,170 |
| Total risk-based capital ratio | 22.6157% | 1,230 |
| Memoranda: | ||
| Average total assets | $178,472,000 | 3,219 |
| Average earning assets | $164,018,500 | 3,227 |
| Average equity | $25,041,000 | 2,744 |
| Average total loans | $78,173,000 | 3,911 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 3,700 |
| Cost of funding earning assets | 0.2411% | 4,877 |
| Net interest margin | 3.6609% | 2,899 |
| Noninterest income to average assets | 0.5052% | 3,293 |
| Noninterest expense to average assets | 2.8058% | 3,200 |
| Loan and lease loss provision to assets | -0.6431% | 6,148 |
| Net operating income to assets | 1.2257% | 1,468 |
| Return on assets (ROA) | 1.2257% | 1,528 |
| Pretax return on assets | 1.6657% | 1,071 |
| Return on Equity (ROE) | 7.8145% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.7013% | 1,440 |
| Net charge-offs to loans | -0.0651% | 5,641 |
| Credit loss provision to net charge-offs | 2,046.2963% | 164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2898% | 2,695 |
| Assets per employee ($millions) | 6.8702% | 932 |
| Cash dividends to net income (ytd only)* | 14.2450% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 4,111 |
| Loan loss allowance to noncurrent loans | 39.4590% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 5.6084% | 150 |
| Noncurrent loans to loans | 2.7564% | 632 |
| Net loans and leases to total assets | 43.0721% | 5,339 |
| Net loans and leases to deposits | 51.4446% | 5,314 |
| Net loans and leases to core deposits | 55.7683% | 5,216 |
| Total domestic deposits to total assets | 83.7252% | 3,582 |
| Equity capital to assets | 15.6125% | 579 |
| Core capital (leverage) ratio | 15.5183% | 531 |
| Tier 1 risk-based capital ratio | 27.8953% | 602 |
| Total risk-based capital ratio | 28.7529% | 616 |
| Memoranda: | ||
| Average total assets | $171,820,600 | 3,277 |
| Average earning assets | $155,970,800 | 3,316 |
| Average equity | $26,950,000 | 2,556 |
| Average total loans | $82,978,600 | 3,745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 2,769 |
| Cost of funding earning assets | 0.2417% | 4,976 |
| Net interest margin | 3.9047% | 2,018 |
| Noninterest income to average assets | 0.4467% | 3,740 |
| Noninterest expense to average assets | 2.8528% | 2,996 |
| Loan and lease loss provision to assets | -0.7289% | 6,244 |
| Net operating income to assets | 1.2477% | 1,494 |
| Return on assets (ROA) | 1.2477% | 1,548 |
| Pretax return on assets | 1.8559% | 792 |
| Return on Equity (ROE) | 7.9452% | 3,105 |
| Retained earnings to average equity (ytd only) | 6.4480% | 1,992 |
| Net charge-offs to loans | -0.0601% | 5,600 |
| Credit loss provision to net charge-offs | 2,447.3684% | 148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6818% | 2,932 |
| Assets per employee ($millions) | 6.6758% | 989 |
| Cash dividends to net income (ytd only)* | 18.8443% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,626 |
| Loan loss allowance to noncurrent loans | 34.7992% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 6.0125% | 140 |
| Noncurrent loans to loans | 3.4615% | 456 |
| Net loans and leases to total assets | 47.4887% | 5,118 |
| Net loans and leases to deposits | 56.8548% | 5,082 |
| Net loans and leases to core deposits | 61.7912% | 4,953 |
| Total domestic deposits to total assets | 83.5261% | 3,603 |
| Equity capital to assets | 15.7969% | 594 |
| Core capital (leverage) ratio | 15.6943% | 533 |
| Tier 1 risk-based capital ratio | 25.9255% | 772 |
| Total risk-based capital ratio | 26.8904% | 786 |
| Memoranda: | ||
| Average total assets | $170,119,250 | 3,328 |
| Average earning assets | $153,931,750 | 3,374 |
| Average equity | $26,715,500 | 2,587 |
| Average total loans | $84,277,250 | 3,749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,329 |
| Cost of funding earning assets | 0.2438% | 5,014 |
| Net interest margin | 4.0136% | 1,604 |
| Noninterest income to average assets | 0.5161% | 3,259 |
| Noninterest expense to average assets | 2.9544% | 2,697 |
| Loan and lease loss provision to assets | -0.3551% | 6,247 |
| Net operating income to assets | 1.0511% | 2,137 |
| Return on assets (ROA) | 1.0511% | 2,247 |
| Pretax return on assets | 1.5411% | 1,522 |
| Return on Equity (ROE) | 6.7067% | 3,780 |
| Retained earnings to average equity (ytd only) | 4.4409% | 3,183 |
| Net charge-offs to loans | -0.0118% | 4,979 |
| Credit loss provision to net charge-offs | 6,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3551% | 3,101 |
| Assets per employee ($millions) | 6.4871% | 1,058 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 1,104 |
| Loan loss allowance to noncurrent loans | 46.0213% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 7.2054% | 120 |
| Noncurrent loans to loans | 4.1980% | 344 |
| Net loans and leases to total assets | 48.2130% | 5,083 |
| Net loans and leases to deposits | 57.6715% | 5,018 |
| Net loans and leases to core deposits | 63.0269% | 4,876 |
| Total domestic deposits to total assets | 83.5993% | 3,730 |
| Equity capital to assets | 15.8208% | 548 |
| Core capital (leverage) ratio | 15.4156% | 554 |
| Tier 1 risk-based capital ratio | 25.2293% | 840 |
| Total risk-based capital ratio | 26.4831% | 828 |
| Memoranda: | ||
| Average total assets | $168,968,330 | 3,368 |
| Average earning assets | $152,580,670 | 3,407 |
| Average equity | $26,481,000 | 2,616 |
| Average total loans | $84,559,000 | 3,765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 2,123 |
| Cost of funding earning assets | 0.2437% | 5,089 |
| Net interest margin | 4.0488% | 1,413 |
| Noninterest income to average assets | 0.3335% | 4,521 |
| Noninterest expense to average assets | 2.8264% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8136% | 3,195 |
| Return on assets (ROA) | 0.8136% | 3,319 |
| Pretax return on assets | 1.1613% | 2,829 |
| Return on Equity (ROE) | 5.2162% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.2162% | 2,939 |
| Net charge-offs to loans | 0.0047% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 112 |
| Efficiency ratio | 70.8778% | 3,337 |
| Assets per employee ($millions) | 6.4457% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 767 |
| Loan loss allowance to noncurrent loans | 61.7590% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 7.0399% | 129 |
| Noncurrent loans to loans | 3.6209% | 510 |
| Net loans and leases to total assets | 49.4600% | 4,903 |
| Net loans and leases to deposits | 59.1224% | 4,816 |
| Net loans and leases to core deposits | 64.7004% | 4,637 |
| Total domestic deposits to total assets | 83.6569% | 3,952 |
| Equity capital to assets | 15.8681% | 561 |
| Core capital (leverage) ratio | 15.5628% | 523 |
| Tier 1 risk-based capital ratio | 24.4002% | 949 |
| Total risk-based capital ratio | 25.6569% | 928 |
| Memoranda: | ||
| Average total assets | $169,120,500 | 3,381 |
| Average earning assets | $152,636,000 | 3,424 |
| Average equity | $26,379,500 | 2,639 |
| Average total loans | $85,378,500 | 3,763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,955 |
| Cost of funding earning assets | 0.2837% | 4,970 |
| Net interest margin | 3.3594% | 4,374 |
| Noninterest income to average assets | 0.4321% | 3,954 |
| Noninterest expense to average assets | 2.9632% | 2,958 |
| Loan and lease loss provision to assets | -0.4200% | 6,426 |
| Net operating income to assets | 0.6558% | 4,109 |
| Return on assets (ROA) | 0.6562% | 4,209 |
| Pretax return on assets | 0.8988% | 3,909 |
| Return on Equity (ROE) | 4.4373% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.2686% | 3,905 |
| Net charge-offs to loans | -0.8713% | 6,443 |
| Credit loss provision to net charge-offs | 95.5439% | 2,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1041% | 1,158 |
| Assets per employee ($millions) | 6.5636% | 1,025 |
| Cash dividends to net income (ytd only)* | 26.3389% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 815 |
| Loan loss allowance to noncurrent loans | 58.0122% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 7.4584% | 131 |
| Noncurrent loans to loans | 3.8036% | 512 |
| Net loans and leases to total assets | 49.2666% | 5,040 |
| Net loans and leases to deposits | 58.5346% | 5,023 |
| Net loans and leases to core deposits | 63.7743% | 4,849 |
| Total domestic deposits to total assets | 84.1667% | 3,645 |
| Equity capital to assets | 15.3329% | 644 |
| Core capital (leverage) ratio | 14.6198% | 677 |
| Tier 1 risk-based capital ratio | 24.0576% | 949 |
| Total risk-based capital ratio | 25.3132% | 927 |
| Memoranda: | ||
| Average total assets | $173,564,800 | 3,285 |
| Average earning assets | $155,473,200 | 3,354 |
| Average equity | $25,668,600 | 2,597 |
| Average total loans | $87,575,200 | 3,683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 5,057 |
| Cost of funding earning assets | 0.2865% | 5,027 |
| Net interest margin | 3.3467% | 4,440 |
| Noninterest income to average assets | 0.3963% | 4,277 |
| Noninterest expense to average assets | 2.6338% | 4,084 |
| Loan and lease loss provision to assets | -0.0765% | 6,240 |
| Net operating income to assets | 0.6214% | 4,347 |
| Return on assets (ROA) | 0.6219% | 4,438 |
| Pretax return on assets | 0.8331% | 4,247 |
| Return on Equity (ROE) | 4.2435% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.6776% | 4,688 |
| Net charge-offs to loans | -1.0639% | 6,520 |
| Credit loss provision to net charge-offs | 14.2450% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7026% | 2,231 |
| Assets per employee ($millions) | 6.6664% | 934 |
| Cash dividends to net income (ytd only)* | 36.9005% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8537% | 417 |
| Loan loss allowance to noncurrent loans | 45.1631% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 8.9848% | 113 |
| Noncurrent loans to loans | 6.3186% | 206 |
| Net loans and leases to total assets | 48.4145% | 5,161 |
| Net loans and leases to deposits | 57.2603% | 5,155 |
| Net loans and leases to core deposits | 64.7332% | 4,826 |
| Total domestic deposits to total assets | 84.5517% | 3,523 |
| Equity capital to assets | 14.9135% | 749 |
| Core capital (leverage) ratio | 14.5479% | 710 |
| Tier 1 risk-based capital ratio | 23.4102% | 1,062 |
| Total risk-based capital ratio | 24.6726% | 1,046 |
| Memoranda: | ||
| Average total assets | $174,292,750 | 3,302 |
| Average earning assets | $155,892,750 | 3,362 |
| Average equity | $25,544,250 | 2,620 |
| Average total loans | $87,976,000 | 3,708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,916 |
| Cost of funding earning assets | 0.2873% | 5,104 |
| Net interest margin | 3.3950% | 4,200 |
| Noninterest income to average assets | 0.3848% | 4,368 |
| Noninterest expense to average assets | 2.7707% | 3,606 |
| Loan and lease loss provision to assets | -0.1145% | 6,396 |
| Net operating income to assets | 0.5844% | 4,433 |
| Return on assets (ROA) | 0.5853% | 4,525 |
| Pretax return on assets | 0.7617% | 4,413 |
| Return on Equity (ROE) | 4.0169% | 5,140 |
| Retained earnings to average equity (ytd only) | 1.6586% | 5,071 |
| Net charge-offs to loans | -2.2326% | 6,604 |
| Credit loss provision to net charge-offs | 10.1215% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0929% | 1,865 |
| Assets per employee ($millions) | 6.3073% | 1,109 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1648% | 319 |
| Loan loss allowance to noncurrent loans | 55.6995% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 8.5242% | 122 |
| Noncurrent loans to loans | 5.6818% | 296 |
| Net loans and leases to total assets | 47.6634% | 5,198 |
| Net loans and leases to deposits | 56.0774% | 5,182 |
| Net loans and leases to core deposits | 63.3195% | 4,881 |
| Total domestic deposits to total assets | 84.9957% | 3,512 |
| Equity capital to assets | 14.4884% | 823 |
| Core capital (leverage) ratio | 14.3726% | 737 |
| Tier 1 risk-based capital ratio | 23.4744% | 1,050 |
| Total risk-based capital ratio | 24.7405% | 1,033 |
| Memoranda: | ||
| Average total assets | $174,615,000 | 3,309 |
| Average earning assets | $155,934,670 | 3,377 |
| Average equity | $25,442,670 | 2,619 |
| Average total loans | $88,508,000 | 3,706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 5,246 |
| Cost of funding earning assets | 0.2959% | 5,105 |
| Net interest margin | 3.2735% | 4,655 |
| Noninterest income to average assets | 0.2696% | 5,211 |
| Noninterest expense to average assets | 2.5135% | 4,575 |
| Loan and lease loss provision to assets | 0.0922% | 2,379 |
| Net operating income to assets | 0.4751% | 4,809 |
| Return on assets (ROA) | 0.4769% | 4,879 |
| Pretax return on assets | 0.5967% | 4,841 |
| Return on Equity (ROE) | 3.2636% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.2636% | 4,161 |
| Net charge-offs to loans | -3.6686% | 6,677 |
| Credit loss provision to net charge-offs | -4.8840% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5457% | 2,403 |
| Assets per employee ($millions) | 6.4067% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0478% | 407 |
| Loan loss allowance to noncurrent loans | 56.8386% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 8.8148% | 136 |
| Noncurrent loans to loans | 5.3623% | 379 |
| Net loans and leases to total assets | 50.0558% | 4,904 |
| Net loans and leases to deposits | 59.0167% | 4,838 |
| Net loans and leases to core deposits | 67.1113% | 4,390 |
| Total domestic deposits to total assets | 84.8163% | 3,950 |
| Equity capital to assets | 14.7484% | 726 |
| Core capital (leverage) ratio | 14.3732% | 720 |
| Tier 1 risk-based capital ratio | 23.0288% | 1,142 |
| Total risk-based capital ratio | 24.2941% | 1,130 |
| Memoranda: | ||
| Average total assets | $173,621,000 | 3,356 |
| Average earning assets | $155,432,000 | 3,409 |
| Average equity | $25,370,500 | 2,615 |
| Average total loans | $89,299,000 | 3,712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 4,646 |
| Cost of funding earning assets | 0.3223% | 5,401 |
| Net interest margin | 3.5216% | 3,800 |
| Noninterest income to average assets | 0.4824% | 3,872 |
| Noninterest expense to average assets | 2.6746% | 4,197 |
| Loan and lease loss provision to assets | 0.3338% | 965 |
| Net operating income to assets | 0.5249% | 4,617 |
| Return on assets (ROA) | 0.5254% | 4,739 |
| Pretax return on assets | 0.6653% | 4,651 |
| Return on Equity (ROE) | 3.6055% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.6095% | 4,397 |
| Net charge-offs to loans | 0.7211% | 898 |
| Credit loss provision to net charge-offs | 83.2127% | 2,947 |
| Earnings coverage of net charge-offs (x) | 2.4891% | 4,181 |
| Efficiency ratio | 72.8149% | 3,329 |
| Assets per employee ($millions) | 6.7023% | 896 |
| Cash dividends to net income (ytd only)* | 27.6243% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 1,362 |
| Loan loss allowance to noncurrent loans | 33.1731% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 8.9148% | 155 |
| Noncurrent loans to loans | 6.2897% | 306 |
| Net loans and leases to total assets | 50.1696% | 5,064 |
| Net loans and leases to deposits | 58.9136% | 5,042 |
| Net loans and leases to core deposits | 67.1088% | 4,602 |
| Total domestic deposits to total assets | 85.1579% | 3,662 |
| Equity capital to assets | 14.4777% | 789 |
| Core capital (leverage) ratio | 14.2646% | 752 |
| Tier 1 risk-based capital ratio | 22.7625% | 1,136 |
| Total risk-based capital ratio | 24.0180% | 1,111 |
| Memoranda: | ||
| Average total assets | $172,251,600 | 3,378 |
| Average earning assets | $156,066,400 | 3,398 |
| Average equity | $25,100,800 | 2,619 |
| Average total loans | $95,825,600 | 3,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,565 |
| Cost of funding earning assets | 0.3282% | 5,482 |
| Net interest margin | 3.5552% | 3,634 |
| Noninterest income to average assets | 0.4805% | 3,935 |
| Noninterest expense to average assets | 2.7039% | 4,008 |
| Loan and lease loss provision to assets | 0.3571% | 886 |
| Net operating income to assets | 0.5162% | 4,735 |
| Return on assets (ROA) | 0.5162% | 4,887 |
| Pretax return on assets | 0.6490% | 4,857 |
| Return on Equity (ROE) | 3.5368% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.7391% | 4,680 |
| Net charge-offs to loans | 0.3393% | 1,853 |
| Credit loss provision to net charge-offs | 185.4839% | 1,302 |
| Earnings coverage of net charge-offs (x) | 5.2258% | 3,249 |
| Efficiency ratio | 72.8814% | 3,247 |
| Assets per employee ($millions) | 6.5413% | 915 |
| Cash dividends to net income (ytd only)* | 22.5571% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,240 |
| Loan loss allowance to noncurrent loans | 36.7926% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 8.7157% | 190 |
| Noncurrent loans to loans | 6.1368% | 402 |
| Net loans and leases to total assets | 55.7684% | 4,353 |
| Net loans and leases to deposits | 65.7760% | 4,333 |
| Net loans and leases to core deposits | 75.4424% | 3,679 |
| Total domestic deposits to total assets | 84.7854% | 3,844 |
| Equity capital to assets | 14.7742% | 758 |
| Core capital (leverage) ratio | 14.3031% | 786 |
| Tier 1 risk-based capital ratio | 21.6297% | 1,377 |
| Total risk-based capital ratio | 22.8881% | 1,351 |
| Memoranda: | ||
| Average total assets | $171,749,250 | 3,414 |
| Average earning assets | $156,013,500 | 3,439 |
| Average equity | $25,068,750 | 2,650 |
| Average total loans | $97,459,750 | 3,542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 4,539 |
| Cost of funding earning assets | 0.3328% | 5,541 |
| Net interest margin | 3.5522% | 3,554 |
| Noninterest income to average assets | 0.4353% | 4,278 |
| Noninterest expense to average assets | 2.7126% | 3,986 |
| Loan and lease loss provision to assets | 0.3540% | 938 |
| Net operating income to assets | 0.4945% | 4,821 |
| Return on assets (ROA) | 0.4945% | 4,999 |
| Pretax return on assets | 0.6024% | 5,003 |
| Return on Equity (ROE) | 3.4013% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.2037% | 4,871 |
| Net charge-offs to loans | 0.5553% | 1,185 |
| Credit loss provision to net charge-offs | 112.5461% | 1,967 |
| Earnings coverage of net charge-offs (x) | 3.0406% | 3,518 |
| Efficiency ratio | 73.9323% | 3,145 |
| Assets per employee ($millions) | 6.1290% | 1,111 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 1,613 |
| Loan loss allowance to noncurrent loans | 34.5283% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 8.5770% | 215 |
| Noncurrent loans to loans | 6.1112% | 449 |
| Net loans and leases to total assets | 54.4167% | 4,529 |
| Net loans and leases to deposits | 63.9799% | 4,505 |
| Net loans and leases to core deposits | 73.5906% | 3,860 |
| Total domestic deposits to total assets | 85.0528% | 3,867 |
| Equity capital to assets | 14.5556% | 811 |
| Core capital (leverage) ratio | 14.0947% | 801 |
| Tier 1 risk-based capital ratio | 21.6483% | 1,358 |
| Total risk-based capital ratio | 22.9051% | 1,326 |
| Memoranda: | ||
| Average total assets | $172,308,000 | 3,425 |
| Average earning assets | $156,862,000 | 3,451 |
| Average equity | $25,049,330 | 2,661 |
| Average total loans | $97,600,330 | 3,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 4,682 |
| Cost of funding earning assets | 0.3379% | 5,657 |
| Net interest margin | 3.5011% | 3,692 |
| Noninterest income to average assets | 0.4008% | 4,450 |
| Noninterest expense to average assets | 2.8357% | 3,580 |
| Loan and lease loss provision to assets | 0.2548% | 1,401 |
| Net operating income to assets | 0.4193% | 5,049 |
| Return on assets (ROA) | 0.4193% | 5,203 |
| Pretax return on assets | 0.5027% | 5,246 |
| Return on Equity (ROE) | 2.8862% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.8862% | 4,555 |
| Net charge-offs to loans | 1.2482% | 460 |
| Credit loss provision to net charge-offs | 35.7143% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.0617% | 3,484 |
| Efficiency ratio | 78.9168% | 2,475 |
| Assets per employee ($millions) | 5.7625% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,483 |
| Loan loss allowance to noncurrent loans | 26.5267% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 8.8486% | 263 |
| Noncurrent loans to loans | 6.9324% | 430 |
| Net loans and leases to total assets | 54.9923% | 4,240 |
| Net loans and leases to deposits | 64.6246% | 4,240 |
| Net loans and leases to core deposits | 74.2266% | 3,551 |
| Total domestic deposits to total assets | 85.0950% | 3,993 |
| Equity capital to assets | 14.5492% | 865 |
| Core capital (leverage) ratio | 14.1977% | 746 |
| Tier 1 risk-based capital ratio | 21.4380% | 1,438 |
| Total risk-based capital ratio | 22.6919% | 1,411 |
| Memoranda: | ||
| Average total assets | $172,656,500 | 3,456 |
| Average earning assets | $157,437,500 | 3,480 |
| Average equity | $25,084,500 | 2,698 |
| Average total loans | $98,701,500 | 3,544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 4,606 |
| Cost of funding earning assets | 0.4116% | 5,839 |
| Net interest margin | 3.7842% | 3,296 |
| Noninterest income to average assets | 0.4755% | 4,060 |
| Noninterest expense to average assets | 2.6810% | 4,471 |
| Loan and lease loss provision to assets | 0.5015% | 1,187 |
| Net operating income to assets | 0.6000% | 4,238 |
| Return on assets (ROA) | 0.6000% | 4,499 |
| Pretax return on assets | 0.7812% | 4,361 |
| Return on Equity (ROE) | 4.1176% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.9637% | 4,143 |
| Net charge-offs to loans | 1.2503% | 791 |
| Credit loss provision to net charge-offs | 64.4917% | 4,327 |
| Earnings coverage of net charge-offs (x) | 1.6495% | 4,616 |
| Efficiency ratio | 67.6392% | 4,211 |
| Assets per employee ($millions) | 5.5625% | 1,630 |
| Cash dividends to net income (ytd only)* | 28.0236% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,110 |
| Loan loss allowance to noncurrent loans | 25.1781% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 8.5468% | 309 |
| Noncurrent loans to loans | 7.8167% | 380 |
| Net loans and leases to total assets | 57.1655% | 4,102 |
| Net loans and leases to deposits | 67.1533% | 4,112 |
| Net loans and leases to core deposits | 77.1316% | 3,379 |
| Total domestic deposits to total assets | 85.1268% | 3,805 |
| Equity capital to assets | 14.5078% | 868 |
| Core capital (leverage) ratio | 14.1749% | 753 |
| Tier 1 risk-based capital ratio | 20.9631% | 1,469 |
| Total risk-based capital ratio | 22.2190% | 1,440 |
| Memoranda: | ||
| Average total assets | $169,490,400 | 3,466 |
| Average earning assets | $156,229,400 | 3,438 |
| Average equity | $24,698,800 | 2,688 |
| Average total loans | $105,416,600 | 3,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 4,697 |
| Cost of funding earning assets | 0.4241% | 5,961 |
| Net interest margin | 3.8086% | 3,303 |
| Noninterest income to average assets | 0.4401% | 4,365 |
| Noninterest expense to average assets | 2.7005% | 4,364 |
| Loan and lease loss provision to assets | 0.4938% | 1,246 |
| Net operating income to assets | 0.5926% | 4,425 |
| Return on assets (ROA) | 0.5926% | 4,690 |
| Pretax return on assets | 0.7648% | 4,615 |
| Return on Equity (ROE) | 4.0618% | 5,260 |
| Retained earnings to average equity (ytd only) | 4.0618% | 4,029 |
| Net charge-offs to loans | 0.2501% | 3,219 |
| Credit loss provision to net charge-offs | 312.5000% | 856 |
| Earnings coverage of net charge-offs (x) | 7.9650% | 2,521 |
| Efficiency ratio | 68.2099% | 4,016 |
| Assets per employee ($millions) | 5.6313% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7606% | 922 |
| Loan loss allowance to noncurrent loans | 37.0772% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 8.5433% | 339 |
| Noncurrent loans to loans | 7.4456% | 458 |
| Net loans and leases to total assets | 59.8808% | 3,807 |
| Net loans and leases to deposits | 70.7085% | 3,800 |
| Net loans and leases to core deposits | 81.8582% | 2,979 |
| Total domestic deposits to total assets | 84.6868% | 3,898 |
| Equity capital to assets | 14.8302% | 863 |
| Core capital (leverage) ratio | 14.2882% | 755 |
| Tier 1 risk-based capital ratio | 20.5723% | 1,622 |
| Total risk-based capital ratio | 21.8371% | 1,588 |
| Memoranda: | ||
| Average total assets | $168,753,500 | 3,511 |
| Average earning assets | $155,923,250 | 3,488 |
| Average equity | $24,619,250 | 2,719 |
| Average total loans | $106,632,250 | 3,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 4,766 |
| Cost of funding earning assets | 0.4419% | 6,021 |
| Net interest margin | 3.8065% | 3,326 |
| Noninterest income to average assets | 0.4387% | 4,373 |
| Noninterest expense to average assets | 2.6190% | 4,713 |
| Loan and lease loss provision to assets | 0.5928% | 1,012 |
| Net operating income to assets | 0.5892% | 4,412 |
| Return on assets (ROA) | 0.5892% | 4,675 |
| Pretax return on assets | 0.7505% | 4,651 |
| Return on Equity (ROE) | 4.0614% | 5,238 |
| Retained earnings to average equity (ytd only) | 4.0614% | 3,903 |
| Net charge-offs to loans | 0.1786% | 3,527 |
| Credit loss provision to net charge-offs | 520.8333% | 578 |
| Earnings coverage of net charge-offs (x) | 11.8021% | 1,935 |
| Efficiency ratio | 66.0981% | 4,512 |
| Assets per employee ($millions) | 5.7959% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7050% | 1,027 |
| Loan loss allowance to noncurrent loans | 29.7475% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 8.8998% | 348 |
| Noncurrent loans to loans | 9.0932% | 332 |
| Net loans and leases to total assets | 61.0101% | 3,624 |
| Net loans and leases to deposits | 71.8821% | 3,630 |
| Net loans and leases to core deposits | 83.4299% | 2,764 |
| Total domestic deposits to total assets | 84.8752% | 3,915 |
| Equity capital to assets | 14.7273% | 851 |
| Core capital (leverage) ratio | 14.5821% | 683 |
| Tier 1 risk-based capital ratio | 20.3677% | 1,618 |
| Total risk-based capital ratio | 21.6323% | 1,586 |
| Memoranda: | ||
| Average total assets | $168,691,670 | 3,521 |
| Average earning assets | $156,154,330 | 3,494 |
| Average equity | $24,474,330 | 2,722 |
| Average total loans | $107,498,330 | 3,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 4,981 |
| Cost of funding earning assets | 0.4749% | 5,983 |
| Net interest margin | 3.7587% | 3,565 |
| Noninterest income to average assets | 0.3692% | 4,920 |
| Noninterest expense to average assets | 2.5586% | 4,965 |
| Loan and lease loss provision to assets | 0.6509% | 839 |
| Net operating income to assets | 0.5136% | 4,764 |
| Return on assets (ROA) | 0.5136% | 4,975 |
| Pretax return on assets | 0.6438% | 4,954 |
| Return on Equity (ROE) | 3.5670% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.5670% | 4,437 |
| Net charge-offs to loans | 0.3538% | 2,241 |
| Credit loss provision to net charge-offs | 286.4583% | 1,024 |
| Earnings coverage of net charge-offs (x) | 5.6979% | 2,313 |
| Efficiency ratio | 66.4005% | 4,483 |
| Assets per employee ($millions) | 5.8442% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4386% | 1,447 |
| Loan loss allowance to noncurrent loans | 27.3143% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 8.8441% | 404 |
| Noncurrent loans to loans | 8.9280% | 387 |
| Net loans and leases to total assets | 61.9881% | 3,259 |
| Net loans and leases to deposits | 73.2903% | 3,233 |
| Net loans and leases to core deposits | 83.9061% | 2,557 |
| Total domestic deposits to total assets | 84.5788% | 4,235 |
| Equity capital to assets | 14.4429% | 876 |
| Core capital (leverage) ratio | 14.0900% | 781 |
| Tier 1 risk-based capital ratio | 19.7913% | 1,762 |
| Total risk-based capital ratio | 21.0529% | 1,731 |
| Memoranda: | ||
| Average total assets | $168,996,500 | 3,533 |
| Average earning assets | $156,650,000 | 3,501 |
| Average equity | $24,334,500 | 2,733 |
| Average total loans | $108,548,500 | 3,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 3,995 |
| Cost of funding earning assets | 0.6093% | 6,052 |
| Net interest margin | 4.1487% | 2,234 |
| Noninterest income to average assets | 0.2960% | 5,410 |
| Noninterest expense to average assets | 2.7857% | 4,399 |
| Loan and lease loss provision to assets | 0.9174% | 1,045 |
| Net operating income to assets | 0.4538% | 4,622 |
| Return on assets (ROA) | 0.4538% | 4,832 |
| Pretax return on assets | 0.4409% | 5,164 |
| Return on Equity (ROE) | 3.6364% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.5337% | 4,424 |
| Net charge-offs to loans | 1.8321% | 798 |
| Credit loss provision to net charge-offs | 74.4786% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.1028% | 4,959 |
| Efficiency ratio | 67.2226% | 4,535 |
| Assets per employee ($millions) | 5.8108% | 1,361 |
| Cash dividends to net income (ytd only)* | 30.3235% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2365% | 1,730 |
| Loan loss allowance to noncurrent loans | 24.4749% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 7.9965% | 509 |
| Noncurrent loans to loans | 9.1379% | 382 |
| Net loans and leases to total assets | 63.4768% | 3,296 |
| Net loans and leases to deposits | 75.3112% | 3,292 |
| Net loans and leases to core deposits | 86.0686% | 2,625 |
| Total domestic deposits to total assets | 84.2860% | 4,197 |
| Equity capital to assets | 14.3557% | 948 |
| Core capital (leverage) ratio | 14.1444% | 788 |
| Tier 1 risk-based capital ratio | 19.5669% | 1,735 |
| Total risk-based capital ratio | 20.8266% | 1,698 |
| Memoranda: | ||
| Average total assets | $163,512,000 | 3,581 |
| Average earning assets | $151,661,000 | 3,559 |
| Average equity | $20,405,000 | 3,083 |
| Average total loans | $109,931,400 | 3,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 3,899 |
| Cost of funding earning assets | 0.6275% | 6,140 |
| Net interest margin | 4.1995% | 2,104 |
| Noninterest income to average assets | 0.3040% | 5,433 |
| Noninterest expense to average assets | 3.0123% | 3,514 |
| Loan and lease loss provision to assets | 0.7740% | 1,216 |
| Net operating income to assets | 0.4380% | 4,826 |
| Return on assets (ROA) | 0.4380% | 5,019 |
| Pretax return on assets | 0.4108% | 5,434 |
| Return on Equity (ROE) | 3.6521% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.1104% | 5,083 |
| Net charge-offs to loans | 1.6512% | 844 |
| Credit loss provision to net charge-offs | 69.1123% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.0580% | 4,838 |
| Efficiency ratio | 71.7698% | 3,601 |
| Assets per employee ($millions) | 5.6624% | 1,450 |
| Cash dividends to net income (ytd only)* | 42.2135% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 1,675 |
| Loan loss allowance to noncurrent loans | 37.3200% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 6.2621% | 838 |
| Noncurrent loans to loans | 6.1841% | 887 |
| Net loans and leases to total assets | 65.4753% | 3,010 |
| Net loans and leases to deposits | 78.1481% | 2,954 |
| Net loans and leases to core deposits | 90.0968% | 2,233 |
| Total domestic deposits to total assets | 83.7836% | 4,330 |
| Equity capital to assets | 14.6014% | 957 |
| Core capital (leverage) ratio | 14.3717% | 801 |
| Tier 1 risk-based capital ratio | 19.1798% | 1,879 |
| Total risk-based capital ratio | 20.4405% | 1,847 |
| Memoranda: | ||
| Average total assets | $162,262,000 | 3,634 |
| Average earning assets | $150,427,750 | 3,596 |
| Average equity | $19,458,500 | 3,223 |
| Average total loans | $110,061,000 | 3,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 3,903 |
| Cost of funding earning assets | 0.6565% | 6,196 |
| Net interest margin | 4.1847% | 2,100 |
| Noninterest income to average assets | 0.3131% | 5,397 |
| Noninterest expense to average assets | 2.8277% | 4,321 |
| Loan and lease loss provision to assets | 0.7945% | 1,159 |
| Net operating income to assets | 0.5284% | 4,383 |
| Return on assets (ROA) | 0.5284% | 4,526 |
| Pretax return on assets | 0.5643% | 4,865 |
| Return on Equity (ROE) | 4.7570% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.5093% | 4,016 |
| Net charge-offs to loans | 0.9903% | 1,582 |
| Credit loss provision to net charge-offs | 117.7982% | 2,607 |
| Earnings coverage of net charge-offs (x) | 2.0147% | 3,857 |
| Efficiency ratio | 67.5436% | 4,600 |
| Assets per employee ($millions) | 5.1915% | 1,885 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 1,030 |
| Loan loss allowance to noncurrent loans | 41.7760% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 6.8562% | 760 |
| Noncurrent loans to loans | 6.8240% | 777 |
| Net loans and leases to total assets | 64.7529% | 3,308 |
| Net loans and leases to deposits | 74.3821% | 3,735 |
| Net loans and leases to core deposits | 86.9990% | 2,760 |
| Total domestic deposits to total assets | 87.0544% | 2,713 |
| Equity capital to assets | 11.3425% | 2,649 |
| Core capital (leverage) ratio | 11.1359% | 2,150 |
| Tier 1 risk-based capital ratio | 14.9277% | 3,530 |
| Total risk-based capital ratio | 16.1937% | 3,497 |
| Memoranda: | ||
| Average total assets | $161,612,670 | 3,660 |
| Average earning assets | $149,591,330 | 3,629 |
| Average equity | $17,952,330 | 3,424 |
| Average total loans | $110,062,330 | 3,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 4,051 |
| Cost of funding earning assets | 0.6803% | 6,247 |
| Net interest margin | 4.1216% | 2,179 |
| Noninterest income to average assets | 0.2742% | 5,714 |
| Noninterest expense to average assets | 2.9120% | 4,013 |
| Loan and lease loss provision to assets | 0.6101% | 1,408 |
| Net operating income to assets | 0.4792% | 4,580 |
| Return on assets (ROA) | 0.4792% | 4,661 |
| Pretax return on assets | 0.5681% | 4,808 |
| Return on Equity (ROE) | 4.3592% | 4,718 |
| Retained earnings to average equity (ytd only) | 1.8425% | 5,007 |
| Net charge-offs to loans | 0.3050% | 2,826 |
| Credit loss provision to net charge-offs | 290.5882% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.6118% | 2,245 |
| Efficiency ratio | 71.1957% | 4,012 |
| Assets per employee ($millions) | 5.5459% | 1,533 |
| Cash dividends to net income (ytd only)* | 57.7320% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8355% | 1,077 |
| Loan loss allowance to noncurrent loans | 38.2955% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.4357% | 681 |
| Noncurrent loans to loans | 7.4043% | 704 |
| Net loans and leases to total assets | 66.5384% | 2,874 |
| Net loans and leases to deposits | 76.1727% | 3,390 |
| Net loans and leases to core deposits | 88.3509% | 2,558 |
| Total domestic deposits to total assets | 87.3520% | 2,736 |
| Equity capital to assets | 11.1334% | 2,551 |
| Core capital (leverage) ratio | 10.9560% | 2,229 |
| Tier 1 risk-based capital ratio | 14.3903% | 3,812 |
| Total risk-based capital ratio | 15.6564% | 3,760 |
| Memoranda: | ||
| Average total assets | $161,951,500 | 3,670 |
| Average earning assets | $149,942,000 | 3,639 |
| Average equity | $17,801,500 | 3,431 |
| Average total loans | $111,459,500 | 3,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 4,784 |
| Cost of funding earning assets | 0.9830% | 5,768 |
| Net interest margin | 3.9671% | 3,168 |
| Noninterest income to average assets | 0.3110% | 5,579 |
| Noninterest expense to average assets | 2.4534% | 5,937 |
| Loan and lease loss provision to assets | 1.1673% | 1,352 |
| Net operating income to assets | 0.3889% | 4,592 |
| Return on assets (ROA) | 0.3889% | 4,736 |
| Pretax return on assets | 0.3957% | 4,958 |
| Return on Equity (ROE) | 3.5452% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.6265% | 4,025 |
| Net charge-offs to loans | 1.2543% | 1,791 |
| Credit loss provision to net charge-offs | 131.2022% | 3,019 |
| Earnings coverage of net charge-offs (x) | 1.7568% | 4,400 |
| Efficiency ratio | 61.0837% | 5,878 |
| Assets per employee ($millions) | 5.2604% | 1,793 |
| Cash dividends to net income (ytd only)* | 25.9141% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6254% | 1,264 |
| Loan loss allowance to noncurrent loans | 29.0836% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 8.5791% | 545 |
| Noncurrent loans to loans | 9.0272% | 515 |
| Net loans and leases to total assets | 67.3449% | 3,140 |
| Net loans and leases to deposits | 76.9657% | 3,685 |
| Net loans and leases to core deposits | 89.0262% | 2,894 |
| Total domestic deposits to total assets | 87.4999% | 2,546 |
| Equity capital to assets | 10.8523% | 2,816 |
| Core capital (leverage) ratio | 10.9505% | 2,197 |
| Tier 1 risk-based capital ratio | 14.1783% | 3,748 |
| Total risk-based capital ratio | 15.4422% | 3,698 |
| Memoranda: | ||
| Average total assets | $161,737,600 | 3,666 |
| Average earning assets | $151,065,800 | 3,619 |
| Average equity | $17,742,200 | 3,465 |
| Average total loans | $114,728,800 | 3,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 4,950 |
| Cost of funding earning assets | 1.0433% | 5,724 |
| Net interest margin | 3.9264% | 3,420 |
| Noninterest income to average assets | 0.3593% | 5,294 |
| Noninterest expense to average assets | 2.5104% | 5,680 |
| Loan and lease loss provision to assets | 1.0326% | 1,432 |
| Net operating income to assets | 0.4527% | 4,528 |
| Return on assets (ROA) | 0.4527% | 4,715 |
| Pretax return on assets | 0.4940% | 4,946 |
| Return on Equity (ROE) | 4.1155% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.8914% | 4,401 |
| Net charge-offs to loans | 0.9593% | 2,080 |
| Credit loss provision to net charge-offs | 150.7841% | 2,580 |
| Earnings coverage of net charge-offs (x) | 2.2292% | 4,060 |
| Efficiency ratio | 62.1854% | 5,596 |
| Assets per employee ($millions) | 5.0156% | 2,157 |
| Cash dividends to net income (ytd only)* | 29.7447% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5926% | 1,215 |
| Loan loss allowance to noncurrent loans | 29.2073% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 9.1856% | 481 |
| Noncurrent loans to loans | 8.8766% | 548 |
| Net loans and leases to total assets | 70.8733% | 2,520 |
| Net loans and leases to deposits | 83.3064% | 2,836 |
| Net loans and leases to core deposits | 98.5574% | 1,990 |
| Total domestic deposits to total assets | 85.0755% | 3,588 |
| Equity capital to assets | 11.6572% | 2,401 |
| Core capital (leverage) ratio | 10.8037% | 2,408 |
| Tier 1 risk-based capital ratio | 14.1030% | 3,765 |
| Total risk-based capital ratio | 15.3667% | 3,729 |
| Memoranda: | ||
| Average total assets | $161,404,250 | 3,732 |
| Average earning assets | $151,177,750 | 3,665 |
| Average equity | $17,753,500 | 3,516 |
| Average total loans | $115,215,750 | 3,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 5,227 |
| Cost of funding earning assets | 1.0685% | 5,828 |
| Net interest margin | 3.8712% | 3,580 |
| Noninterest income to average assets | 0.3721% | 5,161 |
| Noninterest expense to average assets | 2.5205% | 5,644 |
| Loan and lease loss provision to assets | 1.0405% | 1,398 |
| Net operating income to assets | 0.4334% | 4,609 |
| Return on assets (ROA) | 0.4334% | 4,764 |
| Pretax return on assets | 0.4566% | 5,042 |
| Return on Equity (ROE) | 4.0160% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.4487% | 3,913 |
| Net charge-offs to loans | 0.2795% | 3,940 |
| Credit loss provision to net charge-offs | 524.6914% | 707 |
| Earnings coverage of net charge-offs (x) | 7.5494% | 2,283 |
| Efficiency ratio | 62.7361% | 5,565 |
| Assets per employee ($millions) | 5.2099% | 1,916 |
| Cash dividends to net income (ytd only)* | 14.1243% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7870% | 1,008 |
| Loan loss allowance to noncurrent loans | 25.7028% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 8.6033% | 536 |
| Noncurrent loans to loans | 10.8433% | 375 |
| Net loans and leases to total assets | 69.1093% | 3,102 |
| Net loans and leases to deposits | 81.6236% | 3,327 |
| Net loans and leases to core deposits | 97.9775% | 2,233 |
| Total domestic deposits to total assets | 84.6683% | 3,785 |
| Equity capital to assets | 10.9524% | 2,915 |
| Core capital (leverage) ratio | 10.5588% | 2,579 |
| Tier 1 risk-based capital ratio | 14.1570% | 3,628 |
| Total risk-based capital ratio | 15.4242% | 3,577 |
| Memoranda: | ||
| Average total assets | $163,378,000 | 3,717 |
| Average earning assets | $153,854,000 | 3,639 |
| Average equity | $17,629,670 | 3,528 |
| Average total loans | $115,911,330 | 3,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 5,407 |
| Cost of funding earning assets | 1.1180% | 5,814 |
| Net interest margin | 3.7928% | 3,824 |
| Noninterest income to average assets | 0.3408% | 5,419 |
| Noninterest expense to average assets | 2.4855% | 5,783 |
| Loan and lease loss provision to assets | 0.9738% | 1,284 |
| Net operating income to assets | 0.4211% | 4,748 |
| Return on assets (ROA) | 0.4211% | 4,888 |
| Pretax return on assets | 0.4577% | 5,101 |
| Return on Equity (ROE) | 3.9318% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.7955% | 4,453 |
| Net charge-offs to loans | 0.0893% | 4,522 |
| Credit loss provision to net charge-offs | 1,538.4615% | 313 |
| Earnings coverage of net charge-offs (x) | 22.6154% | 1,084 |
| Efficiency ratio | 63.4556% | 5,594 |
| Assets per employee ($millions) | 5.2781% | 1,884 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5010% | 1,291 |
| Loan loss allowance to noncurrent loans | 23.7707% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 8.3895% | 571 |
| Noncurrent loans to loans | 10.5214% | 387 |
| Net loans and leases to total assets | 68.7607% | 3,213 |
| Net loans and leases to deposits | 80.9700% | 3,469 |
| Net loans and leases to core deposits | 97.0834% | 2,451 |
| Total domestic deposits to total assets | 84.9213% | 3,713 |
| Equity capital to assets | 10.7560% | 2,996 |
| Core capital (leverage) ratio | 10.4790% | 2,641 |
| Tier 1 risk-based capital ratio | 13.8174% | 3,788 |
| Total risk-based capital ratio | 15.0810% | 3,737 |
| Memoranda: | ||
| Average total assets | $164,313,000 | 3,762 |
| Average earning assets | $154,925,000 | 3,673 |
| Average equity | $17,600,000 | 3,551 |
| Average total loans | $116,458,500 | 3,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 5,036 |
| Cost of funding earning assets | 1.4836% | 5,578 |
| Net interest margin | 3.8445% | 3,513 |
| Noninterest income to average assets | 0.2924% | 6,024 |
| Noninterest expense to average assets | 2.4562% | 6,288 |
| Loan and lease loss provision to assets | 1.0128% | 2,254 |
| Net operating income to assets | 0.5018% | 3,719 |
| Return on assets (ROA) | 0.5049% | 3,803 |
| Pretax return on assets | 0.4943% | 4,202 |
| Return on Equity (ROE) | 4.7637% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.3024% | 2,857 |
| Net charge-offs to loans | 1.1578% | 2,115 |
| Credit loss provision to net charge-offs | 119.7802% | 4,476 |
| Earnings coverage of net charge-offs (x) | 1.7788% | 4,389 |
| Efficiency ratio | 62.0210% | 6,151 |
| Assets per employee ($millions) | 5.3227% | 1,821 |
| Cash dividends to net income (ytd only)* | 30.6748% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 1,753 |
| Loan loss allowance to noncurrent loans | 24.0134% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 6.8865% | 743 |
| Noncurrent loans to loans | 8.9046% | 517 |
| Net loans and leases to total assets | 69.7015% | 3,322 |
| Net loans and leases to deposits | 82.1478% | 3,595 |
| Net loans and leases to core deposits | 104.5783% | 3,510 |
| Total domestic deposits to total assets | 84.8489% | 3,619 |
| Equity capital to assets | 10.6669% | 3,002 |
| Core capital (leverage) ratio | 10.5378% | 2,567 |
| Tier 1 risk-based capital ratio | 13.4648% | 3,845 |
| Total risk-based capital ratio | 14.7241% | 3,785 |
| Memoranda: | ||
| Average total assets | $161,427,600 | 3,741 |
| Average earning assets | $154,014,000 | 3,638 |
| Average equity | $17,108,600 | 3,651 |
| Average total loans | $117,900,800 | 3,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 4,861 |
| Cost of funding earning assets | 1.5579% | 5,594 |
| Net interest margin | 3.8601% | 3,388 |
| Noninterest income to average assets | 0.3007% | 6,069 |
| Noninterest expense to average assets | 2.4310% | 6,306 |
| Loan and lease loss provision to assets | 0.9136% | 2,103 |
| Net operating income to assets | 0.5653% | 3,741 |
| Return on assets (ROA) | 0.5689% | 3,797 |
| Pretax return on assets | 0.6520% | 4,012 |
| Return on Equity (ROE) | 5.3770% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.4146% | 3,386 |
| Net charge-offs to loans | 0.4961% | 3,237 |
| Credit loss provision to net charge-offs | 250.5695% | 1,713 |
| Earnings coverage of net charge-offs (x) | 4.2824% | 3,189 |
| Efficiency ratio | 60.8904% | 6,294 |
| Assets per employee ($millions) | 5.1597% | 1,952 |
| Cash dividends to net income (ytd only)* | 36.4969% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4201% | 1,146 |
| Loan loss allowance to noncurrent loans | 24.2141% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 7.4979% | 595 |
| Noncurrent loans to loans | 9.9944% | 398 |
| Net loans and leases to total assets | 73.2055% | 2,737 |
| Net loans and leases to deposits | 87.2682% | 3,096 |
| Net loans and leases to core deposits | 111.6458% | 3,055 |
| Total domestic deposits to total assets | 83.8857% | 3,777 |
| Equity capital to assets | 10.8990% | 3,115 |
| Core capital (leverage) ratio | 10.5790% | 2,734 |
| Tier 1 risk-based capital ratio | 13.3957% | 3,924 |
| Total risk-based capital ratio | 14.6589% | 3,851 |
| Memoranda: | ||
| Average total assets | $160,533,250 | 3,786 |
| Average earning assets | $153,531,500 | 3,658 |
| Average equity | $16,985,500 | 3,703 |
| Average total loans | $117,995,000 | 3,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 4,486 |
| Cost of funding earning assets | 1.6310% | 5,605 |
| Net interest margin | 3.8933% | 3,148 |
| Noninterest income to average assets | 0.3061% | 6,066 |
| Noninterest expense to average assets | 2.4688% | 6,230 |
| Loan and lease loss provision to assets | 0.6222% | 2,565 |
| Net operating income to assets | 0.7483% | 3,049 |
| Return on assets (ROA) | 0.7503% | 3,147 |
| Pretax return on assets | 0.9395% | 3,213 |
| Return on Equity (ROE) | 7.1631% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.1933% | 2,967 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2913% | 6,351 |
| Assets per employee ($millions) | 5.1259% | 1,941 |
| Cash dividends to net income (ytd only)* | 41.4594% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2882% | 1,116 |
| Loan loss allowance to noncurrent loans | 38.0022% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 4.5424% | 1,228 |
| Noncurrent loans to loans | 6.0213% | 906 |
| Net loans and leases to total assets | 73.7123% | 2,783 |
| Net loans and leases to deposits | 87.7294% | 3,212 |
| Net loans and leases to core deposits | 112.9845% | 3,020 |
| Total domestic deposits to total assets | 84.0223% | 3,755 |
| Equity capital to assets | 10.7046% | 3,200 |
| Core capital (leverage) ratio | 10.4344% | 2,872 |
| Tier 1 risk-based capital ratio | 13.1969% | 4,003 |
| Total risk-based capital ratio | 14.4584% | 3,914 |
| Memoranda: | ||
| Average total assets | $160,727,330 | 3,813 |
| Average earning assets | $153,647,670 | 3,672 |
| Average equity | $16,836,330 | 3,745 |
| Average total loans | $117,327,670 | 3,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 4,779 |
| Cost of funding earning assets | 1.7286% | 5,479 |
| Net interest margin | 3.7967% | 3,452 |
| Noninterest income to average assets | 0.2722% | 6,251 |
| Noninterest expense to average assets | 2.4004% | 6,192 |
| Loan and lease loss provision to assets | 0.4949% | 2,498 |
| Net operating income to assets | 0.7919% | 3,160 |
| Return on assets (ROA) | 0.7919% | 3,325 |
| Pretax return on assets | 1.0022% | 3,337 |
| Return on Equity (ROE) | 7.6420% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.6717% | 4,910 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5873% | 6,133 |
| Assets per employee ($millions) | 5.2279% | 1,822 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 1,255 |
| Loan loss allowance to noncurrent loans | 33.4612% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 4.5050% | 1,069 |
| Noncurrent loans to loans | 6.2423% | 737 |
| Net loans and leases to total assets | 70.6607% | 3,541 |
| Net loans and leases to deposits | 83.5573% | 4,048 |
| Net loans and leases to core deposits | 110.5462% | 3,364 |
| Total domestic deposits to total assets | 84.5655% | 3,429 |
| Equity capital to assets | 10.4124% | 3,557 |
| Core capital (leverage) ratio | 10.2793% | 3,132 |
| Tier 1 risk-based capital ratio | 13.1114% | 4,111 |
| Total risk-based capital ratio | 14.3703% | 4,012 |
| Memoranda: | ||
| Average total assets | $161,639,500 | 3,804 |
| Average earning assets | $154,345,000 | 3,676 |
| Average equity | $16,749,500 | 3,784 |
| Average total loans | $116,054,500 | 3,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2251% | 4,388 |
| Cost of funding earning assets | 2.4696% | 4,367 |
| Net interest margin | 3.7555% | 4,201 |
| Noninterest income to average assets | 0.3105% | 6,233 |
| Noninterest expense to average assets | 2.1955% | 6,976 |
| Loan and lease loss provision to assets | 0.6148% | 2,367 |
| Net operating income to assets | 0.8288% | 3,316 |
| Return on assets (ROA) | 0.8288% | 3,151 |
| Pretax return on assets | 1.0735% | 3,123 |
| Return on Equity (ROE) | 8.3312% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.2410% | 1,886 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5300% | 6,938 |
| Assets per employee ($millions) | 5.2004% | 1,726 |
| Cash dividends to net income (ytd only)* | 37.0920% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 1,321 |
| Loan loss allowance to noncurrent loans | 35.0195% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.9730% | 1,040 |
| Noncurrent loans to loans | 5.5624% | 721 |
| Net loans and leases to total assets | 70.0353% | 4,008 |
| Net loans and leases to deposits | 84.4757% | 4,340 |
| Net loans and leases to core deposits | 111.0449% | 3,679 |
| Total domestic deposits to total assets | 82.9058% | 3,810 |
| Equity capital to assets | 10.3118% | 3,700 |
| Core capital (leverage) ratio | 10.1570% | 3,316 |
| Tier 1 risk-based capital ratio | 13.1785% | 4,010 |
| Total risk-based capital ratio | 14.4349% | 3,919 |
| Memoranda: | ||
| Average total assets | $162,650,400 | 3,673 |
| Average earning assets | $154,760,000 | 3,573 |
| Average equity | $16,180,200 | 3,890 |
| Average total loans | $115,800,400 | 3,547 |