Home > FNB Of Central Alabama > Performance and Condition Ratios
FNB Of Central Alabama, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 3,320 |
| Cost of funding earning assets | 0.5798% | 3,678 |
| Net interest margin | 3.7947% | 2,547 |
| Noninterest income to average assets | 0.5002% | 2,552 |
| Noninterest expense to average assets | 5.7230% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.6601% | 5,312 |
| Return on assets (ROA) | -1.6601% | 5,310 |
| Pretax return on assets | -1.7585% | 5,305 |
| Return on Equity (ROE) | -15.8896% | 5,324 |
| Retained earnings to average equity (ytd only) | -15.8896% | 5,214 |
| Net charge-offs to loans | 0.0829% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -33.3947% | 2,726 |
| Efficiency ratio | 144.3551% | 42 |
| Assets per employee ($millions) | 4.9066% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,067 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,485 |
| Noncurrent loans to loans | 0.1089% | 4,247 |
| Net loans and leases to total assets | 60.7599% | 3,632 |
| Net loans and leases to deposits | 68.4911% | 3,884 |
| Net loans and leases to core deposits | 72.3362% | 3,917 |
| Total domestic deposits to total assets | 88.7121% | 991 |
| Equity capital to assets | 10.3673% | 3,455 |
| Core capital (leverage) ratio | 10.5237% | 3,028 |
| Tier 1 risk-based capital ratio | 14.7338% | 2,986 |
| Total risk-based capital ratio | 15.8555% | 2,982 |
| Memoranda: | ||
| Average total assets | $288,661,500 | 2,258 |
| Average earning assets | $263,525,000 | 2,294 |
| Average equity | $30,158,000 | 2,399 |
| Average total loans | $183,358,000 | 2,332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 3,106 |
| Cost of funding earning assets | 0.4714% | 3,541 |
| Net interest margin | 3.8299% | 2,559 |
| Noninterest income to average assets | 0.6107% | 2,233 |
| Noninterest expense to average assets | 3.1610% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8170% | 3,739 |
| Return on assets (ROA) | 0.8170% | 3,742 |
| Pretax return on assets | 0.9113% | 3,866 |
| Return on Equity (ROE) | 7.7281% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.8415% | 2,273 |
| Net charge-offs to loans | -0.0685% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6224% | 1,168 |
| Assets per employee ($millions) | 4.7186% | 2,847 |
| Cash dividends to net income (ytd only)* | 24.4119% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,269 |
| Loan loss allowance to noncurrent loans | 1,321.7877% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 4,527 |
| Noncurrent loans to loans | 0.0950% | 4,318 |
| Net loans and leases to total assets | 64.6653% | 3,282 |
| Net loans and leases to deposits | 74.3224% | 3,479 |
| Net loans and leases to core deposits | 77.8487% | 3,591 |
| Total domestic deposits to total assets | 87.0065% | 1,783 |
| Equity capital to assets | 10.5282% | 3,152 |
| Core capital (leverage) ratio | 11.5369% | 2,075 |
| Tier 1 risk-based capital ratio | 14.5941% | 3,022 |
| Total risk-based capital ratio | 15.6812% | 3,012 |
| Memoranda: | ||
| Average total assets | $275,771,000 | 2,291 |
| Average earning assets | $249,246,200 | 2,341 |
| Average equity | $29,153,400 | 2,387 |
| Average total loans | $183,812,000 | 2,305 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 3,087 |
| Cost of funding earning assets | 0.4465% | 3,544 |
| Net interest margin | 3.8193% | 2,573 |
| Noninterest income to average assets | 0.6208% | 2,202 |
| Noninterest expense to average assets | 3.1568% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8144% | 3,860 |
| Return on assets (ROA) | 0.8144% | 3,870 |
| Pretax return on assets | 0.9136% | 3,968 |
| Return on Equity (ROE) | 7.6952% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.8476% | 2,734 |
| Net charge-offs to loans | -0.0905% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5549% | 1,166 |
| Assets per employee ($millions) | 4.2693% | 3,477 |
| Cash dividends to net income (ytd only)* | 24.0096% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,350 |
| Loan loss allowance to noncurrent loans | 1,224.8705% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,624 |
| Noncurrent loans to loans | 0.1024% | 4,426 |
| Net loans and leases to total assets | 68.1285% | 2,912 |
| Net loans and leases to deposits | 78.5492% | 3,183 |
| Net loans and leases to core deposits | 82.6531% | 3,283 |
| Total domestic deposits to total assets | 86.7335% | 1,855 |
| Equity capital to assets | 10.6409% | 2,998 |
| Core capital (leverage) ratio | 11.5768% | 2,111 |
| Tier 1 risk-based capital ratio | 14.2335% | 3,251 |
| Total risk-based capital ratio | 15.3076% | 3,249 |
| Memoranda: | ||
| Average total assets | $272,754,750 | 2,320 |
| Average earning assets | $246,353,750 | 2,372 |
| Average equity | $28,865,750 | 2,411 |
| Average total loans | $182,641,000 | 2,328 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 3,196 |
| Cost of funding earning assets | 0.4000% | 3,716 |
| Net interest margin | 3.7736% | 2,651 |
| Noninterest income to average assets | 0.6589% | 2,052 |
| Noninterest expense to average assets | 3.1395% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8291% | 3,754 |
| Return on assets (ROA) | 0.8291% | 3,758 |
| Pretax return on assets | 0.9245% | 3,891 |
| Return on Equity (ROE) | 7.8483% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.0701% | 3,040 |
| Net charge-offs to loans | -0.0764% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2522% | 1,278 |
| Assets per employee ($millions) | 4.1632% | 3,639 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,407 |
| Loan loss allowance to noncurrent loans | 868.4211% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,249 |
| Noncurrent loans to loans | 0.1445% | 4,248 |
| Net loans and leases to total assets | 67.1942% | 2,989 |
| Net loans and leases to deposits | 75.8616% | 3,350 |
| Net loans and leases to core deposits | 80.9350% | 3,327 |
| Total domestic deposits to total assets | 88.5747% | 1,107 |
| Equity capital to assets | 10.6936% | 2,937 |
| Core capital (leverage) ratio | 11.3430% | 2,210 |
| Tier 1 risk-based capital ratio | 14.2087% | 3,262 |
| Total risk-based capital ratio | 15.2747% | 3,267 |
| Memoranda: | ||
| Average total assets | $272,593,670 | 2,333 |
| Average earning assets | $245,973,330 | 2,386 |
| Average equity | $28,796,000 | 2,427 |
| Average total loans | $180,682,330 | 2,350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,413 |
| Cost of funding earning assets | 0.3619% | 3,897 |
| Net interest margin | 3.6888% | 2,846 |
| Noninterest income to average assets | 0.5263% | 2,649 |
| Noninterest expense to average assets | 3.0777% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6623% | 4,234 |
| Return on assets (ROA) | 0.6623% | 4,243 |
| Pretax return on assets | 0.7866% | 4,186 |
| Return on Equity (ROE) | 6.3081% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.8268% | 4,060 |
| Net charge-offs to loans | -0.0536% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6443% | 1,184 |
| Assets per employee ($millions) | 4.0582% | 3,874 |
| Cash dividends to net income (ytd only)* | 55.1876% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,473 |
| Loan loss allowance to noncurrent loans | 794.7368% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 4,263 |
| Noncurrent loans to loans | 0.1583% | 4,268 |
| Net loans and leases to total assets | 65.4025% | 3,124 |
| Net loans and leases to deposits | 73.6195% | 3,452 |
| Net loans and leases to core deposits | 76.7784% | 3,599 |
| Total domestic deposits to total assets | 88.8385% | 1,187 |
| Equity capital to assets | 10.4712% | 3,106 |
| Core capital (leverage) ratio | 10.9508% | 2,490 |
| Tier 1 risk-based capital ratio | 14.2657% | 3,245 |
| Total risk-based capital ratio | 15.3334% | 3,252 |
| Memoranda: | ||
| Average total assets | $273,585,000 | 2,346 |
| Average earning assets | $247,563,500 | 2,403 |
| Average equity | $28,725,000 | 2,452 |
| Average total loans | $178,951,000 | 2,372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,859 |
| Cost of funding earning assets | 0.3004% | 4,137 |
| Net interest margin | 3.5573% | 3,312 |
| Noninterest income to average assets | 0.5671% | 2,613 |
| Noninterest expense to average assets | 2.8907% | 2,484 |
| Loan and lease loss provision to assets | 0.0441% | 3,359 |
| Net operating income to assets | 0.6946% | 3,624 |
| Return on assets (ROA) | 0.7039% | 3,642 |
| Pretax return on assets | 0.8615% | 4,045 |
| Return on Equity (ROE) | 6.8003% | 3,378 |
| Retained earnings to average equity (ytd only) | 5.7432% | 1,687 |
| Net charge-offs to loans | 0.0701% | 2,451 |
| Credit loss provision to net charge-offs | 99.1803% | 2,619 |
| Earnings coverage of net charge-offs (x) | 20.0984% | 1,986 |
| Efficiency ratio | 76.3731% | 1,565 |
| Assets per employee ($millions) | 4.3011% | 3,480 |
| Cash dividends to net income (ytd only)* | 15.5440% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,427 |
| Loan loss allowance to noncurrent loans | 514.9425% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,291 |
| Noncurrent loans to loans | 0.2446% | 3,921 |
| Net loans and leases to total assets | 63.7802% | 3,391 |
| Net loans and leases to deposits | 71.7947% | 3,720 |
| Net loans and leases to core deposits | 74.5975% | 3,838 |
| Total domestic deposits to total assets | 88.8369% | 1,070 |
| Equity capital to assets | 10.5274% | 3,140 |
| Core capital (leverage) ratio | 11.1656% | 2,183 |
| Tier 1 risk-based capital ratio | 14.3591% | 3,164 |
| Total risk-based capital ratio | 15.4432% | 3,162 |
| Memoranda: | ||
| Average total assets | $274,185,200 | 2,322 |
| Average earning assets | $248,022,600 | 2,360 |
| Average equity | $28,381,200 | 2,470 |
| Average total loans | $174,007,000 | 2,390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,858 |
| Cost of funding earning assets | 0.2959% | 4,169 |
| Net interest margin | 3.5469% | 3,327 |
| Noninterest income to average assets | 0.5817% | 2,574 |
| Noninterest expense to average assets | 2.8510% | 2,560 |
| Loan and lease loss provision to assets | 0.0589% | 2,902 |
| Net operating income to assets | 0.6977% | 4,002 |
| Return on assets (ROA) | 0.7092% | 3,999 |
| Pretax return on assets | 0.9010% | 4,044 |
| Return on Equity (ROE) | 6.8810% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.1726% | 2,131 |
| Net charge-offs to loans | 0.0254% | 2,936 |
| Credit loss provision to net charge-offs | 366.6667% | 834 |
| Earnings coverage of net charge-offs (x) | 58.8470% | 1,004 |
| Efficiency ratio | 75.0994% | 1,724 |
| Assets per employee ($millions) | 4.1999% | 3,642 |
| Cash dividends to net income (ytd only)* | 10.2954% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,164 |
| Loan loss allowance to noncurrent loans | 357.2086% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 3,639 |
| Noncurrent loans to loans | 0.3752% | 3,610 |
| Net loans and leases to total assets | 64.8005% | 3,281 |
| Net loans and leases to deposits | 73.4051% | 3,629 |
| Net loans and leases to core deposits | 75.3789% | 3,857 |
| Total domestic deposits to total assets | 88.2779% | 1,220 |
| Equity capital to assets | 11.0274% | 2,838 |
| Core capital (leverage) ratio | 11.0044% | 2,456 |
| Tier 1 risk-based capital ratio | 14.5608% | 3,149 |
| Total risk-based capital ratio | 15.7080% | 3,120 |
| Memoranda: | ||
| Average total assets | $273,913,500 | 2,337 |
| Average earning assets | $248,248,250 | 2,379 |
| Average equity | $28,231,750 | 2,493 |
| Average total loans | $173,056,500 | 2,408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,045 |
| Cost of funding earning assets | 0.2888% | 4,197 |
| Net interest margin | 3.4690% | 3,511 |
| Noninterest income to average assets | 0.5639% | 2,636 |
| Noninterest expense to average assets | 2.8034% | 2,748 |
| Loan and lease loss provision to assets | 0.0874% | 2,234 |
| Net operating income to assets | 0.6177% | 4,222 |
| Return on assets (ROA) | 0.6303% | 4,213 |
| Pretax return on assets | 0.8288% | 4,165 |
| Return on Equity (ROE) | 6.2544% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2544% | 1,990 |
| Net charge-offs to loans | 0.0706% | 1,931 |
| Credit loss provision to net charge-offs | 198.3607% | 1,280 |
| Earnings coverage of net charge-offs (x) | 20.4262% | 1,797 |
| Efficiency ratio | 75.7068% | 1,769 |
| Assets per employee ($millions) | 4.8088% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,335 |
| Loan loss allowance to noncurrent loans | 343.4328% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 3,742 |
| Noncurrent loans to loans | 0.3830% | 3,649 |
| Net loans and leases to total assets | 62.9899% | 3,512 |
| Net loans and leases to deposits | 70.9115% | 3,833 |
| Net loans and leases to core deposits | 72.4043% | 4,066 |
| Total domestic deposits to total assets | 88.8289% | 1,046 |
| Equity capital to assets | 10.5082% | 3,329 |
| Core capital (leverage) ratio | 10.5570% | 2,856 |
| Tier 1 risk-based capital ratio | 14.1283% | 3,355 |
| Total risk-based capital ratio | 15.2443% | 3,346 |
| Memoranda: | ||
| Average total assets | $277,019,670 | 2,329 |
| Average earning assets | $250,679,330 | 2,374 |
| Average equity | $27,916,330 | 2,511 |
| Average total loans | $172,812,670 | 2,420 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 4,268 |
| Cost of funding earning assets | 0.2936% | 4,109 |
| Net interest margin | 3.3599% | 3,801 |
| Noninterest income to average assets | 0.5516% | 2,654 |
| Noninterest expense to average assets | 2.7823% | 2,850 |
| Loan and lease loss provision to assets | 0.1738% | 1,015 |
| Net operating income to assets | 0.4984% | 4,604 |
| Return on assets (ROA) | 0.4984% | 4,628 |
| Pretax return on assets | 0.6363% | 4,640 |
| Return on Equity (ROE) | 5.0522% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.0522% | 2,861 |
| Net charge-offs to loans | 0.0093% | 2,648 |
| Credit loss provision to net charge-offs | 3,025.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 388 |
| Efficiency ratio | 77.4490% | 1,705 |
| Assets per employee ($millions) | 4.6010% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,134 |
| Loan loss allowance to noncurrent loans | 125.6930% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 2,354 |
| Noncurrent loans to loans | 1.1025% | 1,855 |
| Net loans and leases to total assets | 60.7858% | 3,699 |
| Net loans and leases to deposits | 68.0564% | 3,984 |
| Net loans and leases to core deposits | 69.7066% | 4,167 |
| Total domestic deposits to total assets | 89.3169% | 995 |
| Equity capital to assets | 10.0786% | 3,659 |
| Core capital (leverage) ratio | 10.1809% | 3,259 |
| Tier 1 risk-based capital ratio | 14.2371% | 3,343 |
| Total risk-based capital ratio | 15.4109% | 3,298 |
| Memoranda: | ||
| Average total assets | $278,479,000 | 2,336 |
| Average earning assets | $252,033,000 | 2,384 |
| Average equity | $27,473,000 | 2,546 |
| Average total loans | $171,740,500 | 2,447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,275 |
| Cost of funding earning assets | 0.3248% | 3,801 |
| Net interest margin | 3.3559% | 3,979 |
| Noninterest income to average assets | 0.6245% | 2,531 |
| Noninterest expense to average assets | 2.9931% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5118% | 4,584 |
| Return on assets (ROA) | 0.5966% | 4,331 |
| Pretax return on assets | 0.7330% | 4,385 |
| Return on Equity (ROE) | 5.6871% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.6826% | 2,556 |
| Net charge-offs to loans | 0.0644% | 2,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.3271% | 2,212 |
| Efficiency ratio | 82.6492% | 1,128 |
| Assets per employee ($millions) | 4.6816% | 2,821 |
| Cash dividends to net income (ytd only)* | 17.6622% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,588 |
| Loan loss allowance to noncurrent loans | 117.4528% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 2,410 |
| Noncurrent loans to loans | 1.1009% | 1,887 |
| Net loans and leases to total assets | 60.9035% | 3,748 |
| Net loans and leases to deposits | 67.8674% | 4,091 |
| Net loans and leases to core deposits | 71.4290% | 4,117 |
| Total domestic deposits to total assets | 89.7389% | 759 |
| Equity capital to assets | 9.6559% | 4,110 |
| Core capital (leverage) ratio | 10.3756% | 3,021 |
| Tier 1 risk-based capital ratio | 13.8838% | 3,529 |
| Total risk-based capital ratio | 14.9882% | 3,523 |
| Memoranda: | ||
| Average total assets | $260,996,800 | 2,432 |
| Average earning assets | $233,082,800 | 2,490 |
| Average equity | $27,377,800 | 2,546 |
| Average total loans | $166,235,600 | 2,452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,196 |
| Cost of funding earning assets | 0.3334% | 3,740 |
| Net interest margin | 3.3834% | 3,913 |
| Noninterest income to average assets | 0.6411% | 2,470 |
| Noninterest expense to average assets | 3.1028% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4011% | 5,009 |
| Return on assets (ROA) | 0.4979% | 4,796 |
| Pretax return on assets | 0.6900% | 4,640 |
| Return on Equity (ROE) | 4.6449% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.0376% | 3,426 |
| Net charge-offs to loans | -0.0276% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8114% | 924 |
| Assets per employee ($millions) | 4.6068% | 2,915 |
| Cash dividends to net income (ytd only)* | 13.0752% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 2,254 |
| Loan loss allowance to noncurrent loans | 114.0805% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 2,374 |
| Noncurrent loans to loans | 1.2164% | 1,843 |
| Net loans and leases to total assets | 62.2794% | 3,615 |
| Net loans and leases to deposits | 69.9797% | 3,988 |
| Net loans and leases to core deposits | 73.4749% | 4,042 |
| Total domestic deposits to total assets | 88.9965% | 911 |
| Equity capital to assets | 10.2824% | 3,825 |
| Core capital (leverage) ratio | 10.7997% | 2,684 |
| Tier 1 risk-based capital ratio | 13.8786% | 3,622 |
| Total risk-based capital ratio | 15.0713% | 3,583 |
| Memoranda: | ||
| Average total assets | $256,021,750 | 2,466 |
| Average earning assets | $228,323,500 | 2,537 |
| Average equity | $27,441,500 | 2,558 |
| Average total loans | $164,465,250 | 2,474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,051 |
| Cost of funding earning assets | 0.3496% | 3,573 |
| Net interest margin | 3.4217% | 3,795 |
| Noninterest income to average assets | 0.6357% | 2,435 |
| Noninterest expense to average assets | 3.2541% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3260% | 5,248 |
| Return on assets (ROA) | 0.4235% | 5,051 |
| Pretax return on assets | 0.5639% | 4,988 |
| Return on Equity (ROE) | 3.8940% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.8940% | 3,421 |
| Net charge-offs to loans | -0.0271% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 706 |
| Assets per employee ($millions) | 3.9943% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 2,119 |
| Loan loss allowance to noncurrent loans | 112.0038% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 2,221 |
| Noncurrent loans to loans | 1.2835% | 1,765 |
| Net loans and leases to total assets | 65.6146% | 3,138 |
| Net loans and leases to deposits | 74.4886% | 3,530 |
| Net loans and leases to core deposits | 76.5733% | 3,776 |
| Total domestic deposits to total assets | 88.0868% | 1,384 |
| Equity capital to assets | 11.2199% | 2,828 |
| Core capital (leverage) ratio | 10.8878% | 2,545 |
| Tier 1 risk-based capital ratio | 14.2653% | 3,460 |
| Total risk-based capital ratio | 15.4986% | 3,389 |
| Memoranda: | ||
| Average total assets | $250,761,000 | 2,524 |
| Average earning assets | $223,689,000 | 2,581 |
| Average equity | $27,272,670 | 2,576 |
| Average total loans | $162,067,000 | 2,507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 4,300 |
| Cost of funding earning assets | 0.3889% | 3,204 |
| Net interest margin | 3.3174% | 4,154 |
| Noninterest income to average assets | 0.6072% | 2,489 |
| Noninterest expense to average assets | 3.4924% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0647% | 5,725 |
| Return on assets (ROA) | 0.1966% | 5,589 |
| Pretax return on assets | 0.2330% | 5,604 |
| Return on Equity (ROE) | 1.8359% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.8359% | 4,526 |
| Net charge-offs to loans | -0.0174% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8676% | 347 |
| Assets per employee ($millions) | 4.3757% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 2,177 |
| Loan loss allowance to noncurrent loans | 108.5253% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 1,952 |
| Noncurrent loans to loans | 1.3410% | 1,777 |
| Net loans and leases to total assets | 61.7675% | 3,559 |
| Net loans and leases to deposits | 69.4545% | 3,901 |
| Net loans and leases to core deposits | 73.8499% | 3,911 |
| Total domestic deposits to total assets | 88.9324% | 1,140 |
| Equity capital to assets | 10.5005% | 3,498 |
| Core capital (leverage) ratio | 10.4535% | 3,017 |
| Tier 1 risk-based capital ratio | 14.1830% | 3,578 |
| Total risk-based capital ratio | 15.4196% | 3,512 |
| Memoranda: | ||
| Average total assets | $252,317,000 | 2,522 |
| Average earning assets | $225,237,000 | 2,584 |
| Average equity | $27,016,000 | 2,597 |
| Average total loans | $160,668,500 | 2,517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 4,045 |
| Cost of funding earning assets | 0.3838% | 3,334 |
| Net interest margin | 3.4141% | 3,858 |
| Noninterest income to average assets | 0.5619% | 2,954 |
| Noninterest expense to average assets | 3.0602% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3908% | 5,080 |
| Return on assets (ROA) | 0.4257% | 5,048 |
| Pretax return on assets | 0.5619% | 4,957 |
| Return on Equity (ROE) | 3.8387% | 5,013 |
| Retained earnings to average equity (ytd only) | 2.9723% | 3,949 |
| Net charge-offs to loans | -0.2748% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5724% | 1,031 |
| Assets per employee ($millions) | 4.1774% | 3,613 |
| Cash dividends to net income (ytd only)* | 22.5711% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 2,124 |
| Loan loss allowance to noncurrent loans | 105.0559% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 1,810 |
| Noncurrent loans to loans | 1.4011% | 1,668 |
| Net loans and leases to total assets | 63.7694% | 3,317 |
| Net loans and leases to deposits | 73.7513% | 3,523 |
| Net loans and leases to core deposits | 77.6317% | 3,591 |
| Total domestic deposits to total assets | 86.4655% | 2,395 |
| Equity capital to assets | 10.9236% | 2,906 |
| Core capital (leverage) ratio | 11.2775% | 2,136 |
| Tier 1 risk-based capital ratio | 14.5473% | 3,418 |
| Total risk-based capital ratio | 15.7973% | 3,333 |
| Memoranda: | ||
| Average total assets | $239,359,600 | 2,584 |
| Average earning assets | $211,330,800 | 2,663 |
| Average equity | $26,545,400 | 2,592 |
| Average total loans | $144,486,200 | 2,676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,289 |
| Cost of funding earning assets | 0.3873% | 3,363 |
| Net interest margin | 3.3531% | 4,130 |
| Noninterest income to average assets | 0.6240% | 2,614 |
| Noninterest expense to average assets | 3.1786% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2927% | 5,474 |
| Return on assets (ROA) | 0.3468% | 5,409 |
| Pretax return on assets | 0.4793% | 5,272 |
| Return on Equity (ROE) | 3.1151% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.7119% | 4,489 |
| Net charge-offs to loans | -0.5021% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7218% | 785 |
| Assets per employee ($millions) | 4.2798% | 3,359 |
| Cash dividends to net income (ytd only)* | 12.9445% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 1,573 |
| Loan loss allowance to noncurrent loans | 95.9397% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.5566% | 1,433 |
| Noncurrent loans to loans | 1.7329% | 1,387 |
| Net loans and leases to total assets | 59.1171% | 3,997 |
| Net loans and leases to deposits | 68.3037% | 4,159 |
| Net loans and leases to core deposits | 73.3724% | 4,069 |
| Total domestic deposits to total assets | 86.5504% | 2,255 |
| Equity capital to assets | 10.7980% | 3,242 |
| Core capital (leverage) ratio | 11.0677% | 2,415 |
| Tier 1 risk-based capital ratio | 15.2574% | 3,161 |
| Total risk-based capital ratio | 16.5097% | 3,101 |
| Memoranda: | ||
| Average total assets | $237,583,000 | 2,608 |
| Average earning assets | $209,630,000 | 2,700 |
| Average equity | $26,451,000 | 2,618 |
| Average total loans | $140,728,250 | 2,734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,036 |
| Cost of funding earning assets | 0.3942% | 3,333 |
| Net interest margin | 3.4131% | 3,863 |
| Noninterest income to average assets | 0.6085% | 2,685 |
| Noninterest expense to average assets | 3.1457% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3385% | 5,334 |
| Return on assets (ROA) | 0.3829% | 5,305 |
| Pretax return on assets | 0.5281% | 5,153 |
| Return on Equity (ROE) | 3.4025% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.7949% | 4,264 |
| Net charge-offs to loans | -0.6628% | 6,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0830% | 970 |
| Assets per employee ($millions) | 4.0897% | 3,703 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 1,505 |
| Loan loss allowance to noncurrent loans | 92.5442% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 1,481 |
| Noncurrent loans to loans | 1.8854% | 1,323 |
| Net loans and leases to total assets | 58.1683% | 4,077 |
| Net loans and leases to deposits | 67.6625% | 4,163 |
| Net loans and leases to core deposits | 70.7118% | 4,258 |
| Total domestic deposits to total assets | 85.9683% | 2,706 |
| Equity capital to assets | 11.2936% | 2,576 |
| Core capital (leverage) ratio | 11.4984% | 1,991 |
| Tier 1 risk-based capital ratio | 16.1839% | 2,765 |
| Total risk-based capital ratio | 17.4366% | 2,713 |
| Memoranda: | ||
| Average total assets | $234,033,670 | 2,668 |
| Average earning assets | $205,970,330 | 2,748 |
| Average equity | $26,333,330 | 2,629 |
| Average total loans | $137,895,000 | 2,777 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,939 |
| Cost of funding earning assets | 0.3973% | 3,337 |
| Net interest margin | 3.4215% | 3,755 |
| Noninterest income to average assets | 0.5749% | 2,805 |
| Noninterest expense to average assets | 3.0329% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3992% | 5,068 |
| Return on assets (ROA) | 0.3992% | 5,181 |
| Pretax return on assets | 0.5680% | 4,999 |
| Return on Equity (ROE) | 3.5540% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.3390% | 4,520 |
| Net charge-offs to loans | -0.9692% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2255% | 1,357 |
| Assets per employee ($millions) | 4.1470% | 3,660 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 1,826 |
| Loan loss allowance to noncurrent loans | 77.5628% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 1,471 |
| Noncurrent loans to loans | 2.1495% | 1,191 |
| Net loans and leases to total assets | 57.0139% | 4,086 |
| Net loans and leases to deposits | 66.2697% | 4,125 |
| Net loans and leases to core deposits | 68.6310% | 4,276 |
| Total domestic deposits to total assets | 86.0331% | 2,921 |
| Equity capital to assets | 11.2107% | 2,742 |
| Core capital (leverage) ratio | 11.2537% | 2,189 |
| Tier 1 risk-based capital ratio | 16.8108% | 2,552 |
| Total risk-based capital ratio | 18.0689% | 2,507 |
| Memoranda: | ||
| Average total assets | $234,493,000 | 2,680 |
| Average earning assets | $207,394,500 | 2,754 |
| Average equity | $26,336,500 | 2,643 |
| Average total loans | $137,839,000 | 2,778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 5,300 |
| Cost of funding earning assets | 0.4403% | 3,265 |
| Net interest margin | 3.0662% | 5,284 |
| Noninterest income to average assets | 0.6307% | 2,672 |
| Noninterest expense to average assets | 3.0164% | 2,796 |
| Loan and lease loss provision to assets | -0.3514% | 6,399 |
| Net operating income to assets | 0.5378% | 4,649 |
| Return on assets (ROA) | 0.5726% | 4,579 |
| Pretax return on assets | 0.7271% | 4,522 |
| Return on Equity (ROE) | 5.1518% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.8193% | 4,233 |
| Net charge-offs to loans | -0.1963% | 6,261 |
| Credit loss provision to net charge-offs | 331.2757% | 792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0926% | 837 |
| Assets per employee ($millions) | 3.9425% | 4,076 |
| Cash dividends to net income (ytd only)* | 45.2744% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,918 |
| Loan loss allowance to noncurrent loans | 64.0092% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 1,478 |
| Noncurrent loans to loans | 2.1988% | 1,212 |
| Net loans and leases to total assets | 58.7571% | 3,954 |
| Net loans and leases to deposits | 68.2950% | 4,097 |
| Net loans and leases to core deposits | 70.8659% | 4,233 |
| Total domestic deposits to total assets | 86.0343% | 2,819 |
| Equity capital to assets | 11.2521% | 2,650 |
| Core capital (leverage) ratio | 11.5814% | 1,914 |
| Tier 1 risk-based capital ratio | 17.4545% | 2,334 |
| Total risk-based capital ratio | 18.4371% | 2,386 |
| Memoranda: | ||
| Average total assets | $229,115,600 | 2,709 |
| Average earning assets | $203,053,600 | 2,773 |
| Average equity | $25,467,000 | 2,614 |
| Average total loans | $123,770,200 | 2,976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 5,324 |
| Cost of funding earning assets | 0.4495% | 3,257 |
| Net interest margin | 3.0795% | 5,313 |
| Noninterest income to average assets | 0.6385% | 2,634 |
| Noninterest expense to average assets | 3.0195% | 2,736 |
| Loan and lease loss provision to assets | -0.4702% | 6,528 |
| Net operating income to assets | 0.6307% | 4,300 |
| Return on assets (ROA) | 0.6379% | 4,368 |
| Pretax return on assets | 0.8237% | 4,270 |
| Return on Equity (ROE) | 5.7569% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.9662% | 3,097 |
| Net charge-offs to loans | -0.2410% | 6,343 |
| Credit loss provision to net charge-offs | 370.9677% | 760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7708% | 855 |
| Assets per employee ($millions) | 3.9138% | 4,056 |
| Cash dividends to net income (ytd only)* | 13.7366% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 2,332 |
| Loan loss allowance to noncurrent loans | 62.0367% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 1,564 |
| Noncurrent loans to loans | 2.5625% | 1,132 |
| Net loans and leases to total assets | 53.4191% | 4,646 |
| Net loans and leases to deposits | 62.6084% | 4,686 |
| Net loans and leases to core deposits | 65.0122% | 4,799 |
| Total domestic deposits to total assets | 85.3226% | 3,200 |
| Equity capital to assets | 11.7579% | 2,256 |
| Core capital (leverage) ratio | 11.6766% | 1,921 |
| Tier 1 risk-based capital ratio | 19.1844% | 1,861 |
| Total risk-based capital ratio | 20.1660% | 1,894 |
| Memoranda: | ||
| Average total assets | $228,243,250 | 2,730 |
| Average earning assets | $201,977,000 | 2,803 |
| Average equity | $25,290,500 | 2,641 |
| Average total loans | $120,057,000 | 3,052 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 5,323 |
| Cost of funding earning assets | 0.4566% | 3,247 |
| Net interest margin | 3.0793% | 5,317 |
| Noninterest income to average assets | 0.5949% | 2,843 |
| Noninterest expense to average assets | 2.9857% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2510% | 5,710 |
| Return on assets (ROA) | 0.2635% | 5,755 |
| Pretax return on assets | 0.3470% | 5,679 |
| Return on Equity (ROE) | 2.4262% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.2251% | 5,262 |
| Net charge-offs to loans | -0.3358% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0341% | 916 |
| Assets per employee ($millions) | 3.9862% | 3,868 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 920 |
| Loan loss allowance to noncurrent loans | 76.8403% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 1,700 |
| Noncurrent loans to loans | 2.9727% | 984 |
| Net loans and leases to total assets | 51.0972% | 4,847 |
| Net loans and leases to deposits | 59.4591% | 4,912 |
| Net loans and leases to core deposits | 61.8183% | 4,985 |
| Total domestic deposits to total assets | 85.9367% | 3,069 |
| Equity capital to assets | 11.2237% | 2,678 |
| Core capital (leverage) ratio | 11.0239% | 2,406 |
| Tier 1 risk-based capital ratio | 18.9091% | 1,943 |
| Total risk-based capital ratio | 20.1700% | 1,905 |
| Memoranda: | ||
| Average total assets | $229,962,670 | 2,730 |
| Average earning assets | $203,229,670 | 2,803 |
| Average equity | $24,977,330 | 2,663 |
| Average total loans | $119,711,000 | 3,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 5,382 |
| Cost of funding earning assets | 0.4727% | 3,200 |
| Net interest margin | 3.0419% | 5,407 |
| Noninterest income to average assets | 0.5568% | 3,005 |
| Noninterest expense to average assets | 2.9049% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2986% | 5,496 |
| Return on assets (ROA) | 0.3251% | 5,460 |
| Pretax return on assets | 0.3631% | 5,564 |
| Return on Equity (ROE) | 3.0427% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.0427% | 4,290 |
| Net charge-offs to loans | -0.3329% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6957% | 1,065 |
| Assets per employee ($millions) | 3.8841% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 1,153 |
| Loan loss allowance to noncurrent loans | 69.9037% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 1,677 |
| Noncurrent loans to loans | 3.1539% | 981 |
| Net loans and leases to total assets | 49.7352% | 4,936 |
| Net loans and leases to deposits | 57.5135% | 4,987 |
| Net loans and leases to core deposits | 60.1530% | 5,025 |
| Total domestic deposits to total assets | 86.4757% | 3,126 |
| Equity capital to assets | 10.7291% | 3,003 |
| Core capital (leverage) ratio | 10.9529% | 2,430 |
| Tier 1 risk-based capital ratio | 19.0717% | 1,943 |
| Total risk-based capital ratio | 20.3321% | 1,903 |
| Memoranda: | ||
| Average total assets | $231,336,000 | 2,729 |
| Average earning assets | $203,951,500 | 2,811 |
| Average equity | $24,715,000 | 2,671 |
| Average total loans | $120,159,000 | 3,071 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 4,657 |
| Cost of funding earning assets | 0.6367% | 2,324 |
| Net interest margin | 3.2037% | 4,988 |
| Noninterest income to average assets | 0.6744% | 2,676 |
| Noninterest expense to average assets | 3.3349% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2181% | 5,782 |
| Return on assets (ROA) | 0.2268% | 5,815 |
| Pretax return on assets | 0.1990% | 5,935 |
| Return on Equity (ROE) | 2.0832% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.0832% | 4,753 |
| Net charge-offs to loans | -0.0760% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6013% | 715 |
| Assets per employee ($millions) | 3.8271% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 1,409 |
| Loan loss allowance to noncurrent loans | 64.6847% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.1348% | 1,671 |
| Noncurrent loans to loans | 3.1897% | 1,061 |
| Net loans and leases to total assets | 51.9480% | 4,858 |
| Net loans and leases to deposits | 60.3959% | 4,908 |
| Net loans and leases to core deposits | 64.0257% | 4,864 |
| Total domestic deposits to total assets | 86.0124% | 3,249 |
| Equity capital to assets | 10.6374% | 2,992 |
| Core capital (leverage) ratio | 11.1111% | 2,280 |
| Tier 1 risk-based capital ratio | 18.0790% | 2,223 |
| Total risk-based capital ratio | 19.3363% | 2,186 |
| Memoranda: | ||
| Average total assets | $230,143,600 | 2,718 |
| Average earning assets | $204,791,800 | 2,781 |
| Average equity | $25,058,200 | 2,623 |
| Average total loans | $122,433,200 | 2,995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 4,781 |
| Cost of funding earning assets | 0.6698% | 2,177 |
| Net interest margin | 3.1484% | 5,155 |
| Noninterest income to average assets | 0.6983% | 2,619 |
| Noninterest expense to average assets | 3.3687% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1255% | 6,087 |
| Return on assets (ROA) | 0.1303% | 6,142 |
| Pretax return on assets | 0.1436% | 6,151 |
| Return on Equity (ROE) | 1.1897% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.1897% | 5,507 |
| Net charge-offs to loans | -0.5503% | 6,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0542% | 619 |
| Assets per employee ($millions) | 3.7170% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 1,048 |
| Loan loss allowance to noncurrent loans | 59.7631% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.8007% | 1,332 |
| Noncurrent loans to loans | 4.0169% | 870 |
| Net loans and leases to total assets | 53.3412% | 4,703 |
| Net loans and leases to deposits | 62.4337% | 4,699 |
| Net loans and leases to core deposits | 66.4418% | 4,674 |
| Total domestic deposits to total assets | 85.4365% | 3,529 |
| Equity capital to assets | 11.0283% | 2,732 |
| Core capital (leverage) ratio | 11.1737% | 2,328 |
| Tier 1 risk-based capital ratio | 18.3375% | 2,204 |
| Total risk-based capital ratio | 19.6002% | 2,160 |
| Memoranda: | ||
| Average total assets | $230,273,500 | 2,732 |
| Average earning assets | $205,434,750 | 2,802 |
| Average equity | $25,216,250 | 2,637 |
| Average total loans | $122,592,000 | 3,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 5,092 |
| Cost of funding earning assets | 0.6859% | 2,172 |
| Net interest margin | 3.0314% | 5,492 |
| Noninterest income to average assets | 0.6996% | 2,640 |
| Noninterest expense to average assets | 3.1423% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2106% | 5,859 |
| Return on assets (ROA) | 0.2140% | 5,987 |
| Pretax return on assets | 0.2699% | 5,954 |
| Return on Equity (ROE) | 1.9588% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.9588% | 5,026 |
| Net charge-offs to loans | -0.2833% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2068% | 885 |
| Assets per employee ($millions) | 3.7883% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 1,421 |
| Loan loss allowance to noncurrent loans | 94.7753% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5948% | 2,722 |
| Noncurrent loans to loans | 2.3210% | 2,033 |
| Net loans and leases to total assets | 50.7396% | 5,031 |
| Net loans and leases to deposits | 59.1629% | 5,054 |
| Net loans and leases to core deposits | 62.7744% | 5,031 |
| Total domestic deposits to total assets | 85.7624% | 3,498 |
| Equity capital to assets | 10.8130% | 2,930 |
| Core capital (leverage) ratio | 10.9844% | 2,368 |
| Tier 1 risk-based capital ratio | 19.1502% | 1,954 |
| Total risk-based capital ratio | 20.4095% | 1,921 |
| Memoranda: | ||
| Average total assets | $232,692,330 | 2,716 |
| Average earning assets | $207,892,000 | 2,775 |
| Average equity | $25,423,330 | 2,637 |
| Average total loans | $122,827,330 | 3,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 5,139 |
| Cost of funding earning assets | 0.6981% | 2,228 |
| Net interest margin | 3.0073% | 5,547 |
| Noninterest income to average assets | 0.7086% | 2,544 |
| Noninterest expense to average assets | 3.1420% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1886% | 5,925 |
| Return on assets (ROA) | 0.1886% | 6,039 |
| Pretax return on assets | 0.2532% | 5,950 |
| Return on Equity (ROE) | 1.7179% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.7179% | 5,121 |
| Net charge-offs to loans | -0.2969% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5425% | 943 |
| Assets per employee ($millions) | 3.9351% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 1,860 |
| Loan loss allowance to noncurrent loans | 97.9727% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 3,076 |
| Noncurrent loans to loans | 2.1166% | 2,479 |
| Net loans and leases to total assets | 50.2620% | 4,956 |
| Net loans and leases to deposits | 58.6528% | 4,952 |
| Net loans and leases to core deposits | 62.3210% | 4,926 |
| Total domestic deposits to total assets | 85.6941% | 3,682 |
| Equity capital to assets | 10.9549% | 3,008 |
| Core capital (leverage) ratio | 10.4917% | 2,788 |
| Tier 1 risk-based capital ratio | 19.7315% | 1,840 |
| Total risk-based capital ratio | 20.9896% | 1,807 |
| Memoranda: | ||
| Average total assets | $235,388,500 | 2,718 |
| Average earning assets | $210,290,000 | 2,770 |
| Average equity | $25,846,000 | 2,626 |
| Average total loans | $125,278,500 | 2,983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 4,517 |
| Cost of funding earning assets | 0.8296% | 2,425 |
| Net interest margin | 3.3884% | 4,926 |
| Noninterest income to average assets | 0.6839% | 2,811 |
| Noninterest expense to average assets | 3.2606% | 2,449 |
| Loan and lease loss provision to assets | 0.1442% | 3,802 |
| Net operating income to assets | 0.2493% | 5,636 |
| Return on assets (ROA) | 0.4292% | 5,215 |
| Pretax return on assets | 0.5443% | 5,151 |
| Return on Equity (ROE) | 4.0715% | 5,111 |
| Retained earnings to average equity (ytd only) | 4.0715% | 3,352 |
| Net charge-offs to loans | 0.2714% | 3,306 |
| Credit loss provision to net charge-offs | 96.3889% | 3,219 |
| Earnings coverage of net charge-offs (x) | 3.0806% | 3,894 |
| Efficiency ratio | 87.6186% | 1,271 |
| Assets per employee ($millions) | 3.7850% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 2,384 |
| Loan loss allowance to noncurrent loans | 106.5610% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 3,282 |
| Noncurrent loans to loans | 1.7554% | 2,980 |
| Net loans and leases to total assets | 54.0981% | 4,607 |
| Net loans and leases to deposits | 63.5226% | 4,595 |
| Net loans and leases to core deposits | 68.5066% | 4,481 |
| Total domestic deposits to total assets | 85.1635% | 3,781 |
| Equity capital to assets | 11.0056% | 2,947 |
| Core capital (leverage) ratio | 10.7062% | 2,543 |
| Tier 1 risk-based capital ratio | 18.5718% | 2,081 |
| Total risk-based capital ratio | 19.8294% | 2,043 |
| Memoranda: | ||
| Average total assets | $240,694,800 | 2,625 |
| Average earning assets | $215,764,400 | 2,664 |
| Average equity | $25,371,600 | 2,622 |
| Average total loans | $132,640,800 | 2,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 4,552 |
| Cost of funding earning assets | 0.8589% | 2,467 |
| Net interest margin | 3.4171% | 4,975 |
| Noninterest income to average assets | 0.6777% | 2,826 |
| Noninterest expense to average assets | 3.2022% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3764% | 5,345 |
| Return on assets (ROA) | 0.5538% | 4,863 |
| Pretax return on assets | 0.8054% | 4,461 |
| Return on Equity (ROE) | 5.3104% | 4,682 |
| Retained earnings to average equity (ytd only) | 5.3104% | 3,147 |
| Net charge-offs to loans | 0.2208% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.5068% | 3,285 |
| Efficiency ratio | 85.3809% | 1,441 |
| Assets per employee ($millions) | 3.7926% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 2,980 |
| Loan loss allowance to noncurrent loans | 89.0499% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 3,227 |
| Noncurrent loans to loans | 1.9605% | 2,883 |
| Net loans and leases to total assets | 53.8096% | 4,777 |
| Net loans and leases to deposits | 63.4795% | 4,777 |
| Net loans and leases to core deposits | 68.7545% | 4,642 |
| Total domestic deposits to total assets | 84.7669% | 3,853 |
| Equity capital to assets | 11.2271% | 3,007 |
| Core capital (leverage) ratio | 10.4907% | 2,924 |
| Tier 1 risk-based capital ratio | 18.8075% | 2,071 |
| Total risk-based capital ratio | 20.0309% | 2,046 |
| Memoranda: | ||
| Average total assets | $242,200,500 | 2,631 |
| Average earning assets | $217,800,500 | 2,666 |
| Average equity | $25,257,750 | 2,655 |
| Average total loans | $133,457,750 | 2,843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 5,437 |
| Cost of funding earning assets | 0.8713% | 2,651 |
| Net interest margin | 3.1936% | 5,762 |
| Noninterest income to average assets | 0.6598% | 2,897 |
| Noninterest expense to average assets | 3.1235% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2802% | 5,671 |
| Return on assets (ROA) | 0.5386% | 4,912 |
| Pretax return on assets | 0.7941% | 4,493 |
| Return on Equity (ROE) | 5.2920% | 4,669 |
| Retained earnings to average equity (ytd only) | 5.2920% | 3,101 |
| Net charge-offs to loans | 0.1032% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.2714% | 2,508 |
| Efficiency ratio | 88.2935% | 1,212 |
| Assets per employee ($millions) | 3.9768% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 3,042 |
| Loan loss allowance to noncurrent loans | 39.3309% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 3.1441% | 1,731 |
| Noncurrent loans to loans | 4.4397% | 1,202 |
| Net loans and leases to total assets | 55.7241% | 4,508 |
| Net loans and leases to deposits | 66.7572% | 4,404 |
| Net loans and leases to core deposits | 72.0242% | 4,292 |
| Total domestic deposits to total assets | 83.4728% | 4,544 |
| Equity capital to assets | 10.6527% | 3,509 |
| Core capital (leverage) ratio | 10.1725% | 3,176 |
| Tier 1 risk-based capital ratio | 17.4050% | 2,508 |
| Total risk-based capital ratio | 18.6604% | 2,471 |
| Memoranda: | ||
| Average total assets | $245,817,000 | 2,592 |
| Average earning assets | $221,507,330 | 2,626 |
| Average equity | $25,019,000 | 2,668 |
| Average total loans | $135,710,000 | 2,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 5,549 |
| Cost of funding earning assets | 0.8986% | 2,706 |
| Net interest margin | 3.1726% | 5,838 |
| Noninterest income to average assets | 0.6880% | 2,721 |
| Noninterest expense to average assets | 3.0695% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3214% | 5,587 |
| Return on assets (ROA) | 0.4939% | 5,056 |
| Pretax return on assets | 0.7505% | 4,603 |
| Return on Equity (ROE) | 4.9638% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.9638% | 3,577 |
| Net charge-offs to loans | 0.0147% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 544 |
| Efficiency ratio | 86.2551% | 1,457 |
| Assets per employee ($millions) | 4.1723% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8408% | 2,870 |
| Loan loss allowance to noncurrent loans | 35.6168% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.3207% | 1,740 |
| Noncurrent loans to loans | 5.1683% | 1,064 |
| Net loans and leases to total assets | 51.7185% | 5,058 |
| Net loans and leases to deposits | 61.2651% | 5,011 |
| Net loans and leases to core deposits | 66.2703% | 4,882 |
| Total domestic deposits to total assets | 84.4175% | 4,317 |
| Equity capital to assets | 9.9609% | 4,171 |
| Core capital (leverage) ratio | 9.6270% | 3,879 |
| Tier 1 risk-based capital ratio | 16.9614% | 2,697 |
| Total risk-based capital ratio | 18.2180% | 2,652 |
| Memoranda: | ||
| Average total assets | $249,422,500 | 2,564 |
| Average earning assets | $225,683,000 | 2,590 |
| Average equity | $24,819,500 | 2,679 |
| Average total loans | $135,903,000 | 2,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 4,944 |
| Cost of funding earning assets | 1.1639% | 2,257 |
| Net interest margin | 3.3690% | 5,587 |
| Noninterest income to average assets | 0.5774% | 3,314 |
| Noninterest expense to average assets | 2.9019% | 3,950 |
| Loan and lease loss provision to assets | 0.3961% | 2,620 |
| Net operating income to assets | 0.2675% | 5,377 |
| Return on assets (ROA) | 0.2727% | 5,512 |
| Pretax return on assets | 0.3338% | 5,462 |
| Return on Equity (ROE) | 2.8811% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.8811% | 4,197 |
| Net charge-offs to loans | 0.9921% | 1,753 |
| Credit loss provision to net charge-offs | 68.3196% | 4,917 |
| Earnings coverage of net charge-offs (x) | 1.2479% | 4,843 |
| Efficiency ratio | 80.0419% | 2,292 |
| Assets per employee ($millions) | 3.8829% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 3,061 |
| Loan loss allowance to noncurrent loans | 74.7695% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 3,175 |
| Noncurrent loans to loans | 2.3258% | 2,830 |
| Net loans and leases to total assets | 55.3200% | 4,832 |
| Net loans and leases to deposits | 65.5481% | 4,797 |
| Net loans and leases to core deposits | 70.9551% | 4,654 |
| Total domestic deposits to total assets | 84.3960% | 4,139 |
| Equity capital to assets | 9.9406% | 4,237 |
| Core capital (leverage) ratio | 9.6620% | 3,792 |
| Tier 1 risk-based capital ratio | 15.8796% | 3,107 |
| Total risk-based capital ratio | 17.1381% | 3,066 |
| Memoranda: | ||
| Average total assets | $250,421,000 | 2,513 |
| Average earning assets | $226,569,000 | 2,543 |
| Average equity | $23,706,600 | 2,700 |
| Average total loans | $146,359,400 | 2,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 4,946 |
| Cost of funding earning assets | 1.2199% | 2,193 |
| Net interest margin | 3.3597% | 5,684 |
| Noninterest income to average assets | 0.5436% | 3,562 |
| Noninterest expense to average assets | 2.8717% | 4,048 |
| Loan and lease loss provision to assets | 0.4607% | 2,152 |
| Net operating income to assets | 0.2107% | 5,674 |
| Return on assets (ROA) | 0.2179% | 5,784 |
| Pretax return on assets | 0.2551% | 5,797 |
| Return on Equity (ROE) | 2.3304% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.3304% | 4,951 |
| Net charge-offs to loans | 1.0777% | 1,479 |
| Credit loss provision to net charge-offs | 72.4916% | 4,400 |
| Earnings coverage of net charge-offs (x) | 1.1129% | 4,795 |
| Efficiency ratio | 80.2376% | 2,224 |
| Assets per employee ($millions) | 3.8112% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,933 |
| Loan loss allowance to noncurrent loans | 57.2833% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.4737% | 2,599 |
| Noncurrent loans to loans | 3.1483% | 2,207 |
| Net loans and leases to total assets | 56.3554% | 4,787 |
| Net loans and leases to deposits | 66.8026% | 4,786 |
| Net loans and leases to core deposits | 72.8107% | 4,605 |
| Total domestic deposits to total assets | 84.3611% | 4,075 |
| Equity capital to assets | 9.9206% | 4,448 |
| Core capital (leverage) ratio | 9.4254% | 4,262 |
| Tier 1 risk-based capital ratio | 15.3104% | 3,486 |
| Total risk-based capital ratio | 16.5656% | 3,451 |
| Memoranda: | ||
| Average total assets | $250,899,500 | 2,519 |
| Average earning assets | $226,678,250 | 2,548 |
| Average equity | $23,457,500 | 2,732 |
| Average total loans | $147,972,500 | 2,690 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 5,078 |
| Cost of funding earning assets | 1.2878% | 2,018 |
| Net interest margin | 3.2873% | 5,895 |
| Noninterest income to average assets | 0.6144% | 3,043 |
| Noninterest expense to average assets | 2.8719% | 4,137 |
| Loan and lease loss provision to assets | 0.6882% | 1,384 |
| Net operating income to assets | 0.0389% | 6,149 |
| Return on assets (ROA) | 0.0516% | 6,199 |
| Pretax return on assets | 0.0333% | 6,219 |
| Return on Equity (ROE) | 0.5631% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.5631% | 5,627 |
| Net charge-offs to loans | 1.4676% | 1,015 |
| Credit loss provision to net charge-offs | 78.8182% | 3,812 |
| Earnings coverage of net charge-offs (x) | 0.8118% | 4,691 |
| Efficiency ratio | 80.2039% | 2,363 |
| Assets per employee ($millions) | 3.9075% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,899 |
| Loan loss allowance to noncurrent loans | 68.2226% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.1330% | 3,067 |
| Noncurrent loans to loans | 2.6781% | 2,716 |
| Net loans and leases to total assets | 55.4217% | 5,080 |
| Net loans and leases to deposits | 64.9235% | 5,163 |
| Net loans and leases to core deposits | 70.6404% | 4,997 |
| Total domestic deposits to total assets | 85.3647% | 3,690 |
| Equity capital to assets | 9.1699% | 5,322 |
| Core capital (leverage) ratio | 8.9488% | 4,806 |
| Tier 1 risk-based capital ratio | 14.7728% | 3,632 |
| Total risk-based capital ratio | 15.9993% | 3,613 |
| Memoranda: | ||
| Average total assets | $251,956,670 | 2,527 |
| Average earning assets | $227,359,000 | 2,558 |
| Average equity | $23,084,670 | 2,751 |
| Average total loans | $149,906,000 | 2,688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 5,373 |
| Cost of funding earning assets | 1.3527% | 1,872 |
| Net interest margin | 3.1362% | 6,250 |
| Noninterest income to average assets | 0.7037% | 2,556 |
| Noninterest expense to average assets | 2.8660% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5217% | 4,398 |
| Return on assets (ROA) | 0.5366% | 4,407 |
| Pretax return on assets | 0.6988% | 4,305 |
| Return on Equity (ROE) | 5.8590% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.8590% | 2,719 |
| Net charge-offs to loans | 0.0447% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.8824% | 977 |
| Efficiency ratio | 80.8337% | 2,391 |
| Assets per employee ($millions) | 3.8304% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,531 |
| Loan loss allowance to noncurrent loans | 60.2304% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 2,962 |
| Noncurrent loans to loans | 3.2441% | 2,317 |
| Net loans and leases to total assets | 56.2321% | 4,960 |
| Net loans and leases to deposits | 65.7043% | 5,018 |
| Net loans and leases to core deposits | 70.6949% | 4,964 |
| Total domestic deposits to total assets | 85.5836% | 3,736 |
| Equity capital to assets | 8.9617% | 5,262 |
| Core capital (leverage) ratio | 9.3288% | 4,084 |
| Tier 1 risk-based capital ratio | 15.7120% | 3,051 |
| Total risk-based capital ratio | 16.9703% | 3,006 |
| Memoranda: | ||
| Average total assets | $248,986,500 | 2,581 |
| Average earning assets | $225,624,000 | 2,594 |
| Average equity | $22,802,500 | 2,767 |
| Average total loans | $152,063,500 | 2,683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 4,035 |
| Cost of funding earning assets | 1.6055% | 2,043 |
| Net interest margin | 3.5089% | 5,215 |
| Noninterest income to average assets | 0.7285% | 2,657 |
| Noninterest expense to average assets | 3.0166% | 3,787 |
| Loan and lease loss provision to assets | 1.1591% | 1,363 |
| Net operating income to assets | -0.1800% | 6,091 |
| Return on assets (ROA) | -0.1209% | 6,069 |
| Pretax return on assets | -0.2273% | 6,108 |
| Return on Equity (ROE) | -1.2469% | 6,089 |
| Retained earnings to average equity (ytd only) | -1.5236% | 5,890 |
| Net charge-offs to loans | 1.7564% | 1,213 |
| Credit loss provision to net charge-offs | 94.3903% | 4,923 |
| Earnings coverage of net charge-offs (x) | 0.6836% | 5,429 |
| Efficiency ratio | 78.2306% | 2,667 |
| Assets per employee ($millions) | 3.4476% | 5,063 |
| Cash dividends to net income (ytd only)* | -22.1843% | 7,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,709 |
| Loan loss allowance to noncurrent loans | 74.4659% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 3,333 |
| Noncurrent loans to loans | 2.4755% | 3,048 |
| Net loans and leases to total assets | 63.8304% | 3,908 |
| Net loans and leases to deposits | 75.3007% | 3,956 |
| Net loans and leases to core deposits | 81.4411% | 3,987 |
| Total domestic deposits to total assets | 84.7672% | 3,962 |
| Equity capital to assets | 9.3671% | 4,590 |
| Core capital (leverage) ratio | 9.4204% | 3,815 |
| Tier 1 risk-based capital ratio | 13.7234% | 4,042 |
| Total risk-based capital ratio | 14.9479% | 4,035 |
| Memoranda: | ||
| Average total assets | $242,425,600 | 2,614 |
| Average earning assets | $216,076,200 | 2,675 |
| Average equity | $23,497,400 | 2,701 |
| Average total loans | $169,490,000 | 2,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 3,799 |
| Cost of funding earning assets | 1.6422% | 2,147 |
| Net interest margin | 3.5633% | 5,048 |
| Noninterest income to average assets | 0.7433% | 2,560 |
| Noninterest expense to average assets | 2.9171% | 4,021 |
| Loan and lease loss provision to assets | 1.0680% | 1,373 |
| Net operating income to assets | -0.0176% | 6,025 |
| Return on assets (ROA) | 0.1055% | 5,907 |
| Pretax return on assets | 0.0472% | 6,008 |
| Return on Equity (ROE) | 1.0792% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.7139% | 5,516 |
| Net charge-offs to loans | 1.5856% | 1,248 |
| Credit loss provision to net charge-offs | 94.6907% | 4,577 |
| Earnings coverage of net charge-offs (x) | 0.8797% | 5,166 |
| Efficiency ratio | 74.6206% | 3,210 |
| Assets per employee ($millions) | 3.5087% | 4,961 |
| Cash dividends to net income (ytd only)* | 33.8529% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 2,751 |
| Loan loss allowance to noncurrent loans | 56.0068% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.8077% | 2,588 |
| Noncurrent loans to loans | 3.2327% | 2,452 |
| Net loans and leases to total assets | 67.0755% | 3,441 |
| Net loans and leases to deposits | 79.8350% | 3,486 |
| Net loans and leases to core deposits | 86.2901% | 3,609 |
| Total domestic deposits to total assets | 84.0176% | 4,120 |
| Equity capital to assets | 10.0510% | 4,093 |
| Core capital (leverage) ratio | 9.9466% | 3,301 |
| Tier 1 risk-based capital ratio | 14.3800% | 3,578 |
| Total risk-based capital ratio | 15.6364% | 3,546 |
| Memoranda: | ||
| Average total assets | $242,698,250 | 2,658 |
| Average earning assets | $215,635,250 | 2,718 |
| Average equity | $23,720,250 | 2,725 |
| Average total loans | $172,628,000 | 2,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 3,948 |
| Cost of funding earning assets | 1.6678% | 2,299 |
| Net interest margin | 3.5342% | 5,113 |
| Noninterest income to average assets | 0.7195% | 2,581 |
| Noninterest expense to average assets | 2.8632% | 4,214 |
| Loan and lease loss provision to assets | 1.2521% | 1,113 |
| Net operating income to assets | -0.1137% | 6,252 |
| Return on assets (ROA) | -0.0901% | 6,290 |
| Pretax return on assets | -0.2073% | 6,342 |
| Return on Equity (ROE) | -0.9309% | 6,306 |
| Retained earnings to average equity (ytd only) | -1.4810% | 6,058 |
| Net charge-offs to loans | 1.8790% | 985 |
| Credit loss provision to net charge-offs | 92.4939% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.7446% | 5,002 |
| Efficiency ratio | 73.9627% | 3,481 |
| Assets per employee ($millions) | 3.7366% | 4,377 |
| Cash dividends to net income (ytd only)* | -59.0909% | 7,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,963 |
| Loan loss allowance to noncurrent loans | 47.2481% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.7862% | 2,597 |
| Noncurrent loans to loans | 3.6623% | 2,143 |
| Net loans and leases to total assets | 68.6511% | 3,206 |
| Net loans and leases to deposits | 81.4551% | 3,348 |
| Net loans and leases to core deposits | 89.3433% | 3,361 |
| Total domestic deposits to total assets | 84.2809% | 3,969 |
| Equity capital to assets | 9.7334% | 4,363 |
| Core capital (leverage) ratio | 9.6081% | 3,666 |
| Tier 1 risk-based capital ratio | 13.7007% | 3,941 |
| Total risk-based capital ratio | 14.9549% | 3,900 |
| Memoranda: | ||
| Average total assets | $244,066,330 | 2,666 |
| Average earning assets | $217,646,000 | 2,708 |
| Average equity | $23,633,330 | 2,730 |
| Average total loans | $175,841,000 | 2,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 3,918 |
| Cost of funding earning assets | 1.6869% | 2,453 |
| Net interest margin | 3.5333% | 5,022 |
| Noninterest income to average assets | 0.7717% | 2,163 |
| Noninterest expense to average assets | 2.8644% | 4,205 |
| Loan and lease loss provision to assets | 0.3253% | 3,456 |
| Net operating income to assets | 0.4861% | 4,468 |
| Return on assets (ROA) | 0.5346% | 4,350 |
| Pretax return on assets | 0.8060% | 3,843 |
| Return on Equity (ROE) | 5.5353% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,849 |
| Net charge-offs to loans | 0.3532% | 2,992 |
| Credit loss provision to net charge-offs | 125.9494% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.0949% | 2,709 |
| Efficiency ratio | 73.0304% | 3,753 |
| Assets per employee ($millions) | 3.4827% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,764 |
| Loan loss allowance to noncurrent loans | 68.0044% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.0530% | 3,440 |
| Noncurrent loans to loans | 2.6325% | 3,037 |
| Net loans and leases to total assets | 69.7807% | 2,989 |
| Net loans and leases to deposits | 82.7520% | 3,150 |
| Net loans and leases to core deposits | 92.3010% | 3,071 |
| Total domestic deposits to total assets | 84.3251% | 3,983 |
| Equity capital to assets | 9.7764% | 4,142 |
| Core capital (leverage) ratio | 9.5934% | 3,651 |
| Tier 1 risk-based capital ratio | 13.9240% | 3,708 |
| Total risk-based capital ratio | 15.1748% | 3,667 |
| Memoranda: | ||
| Average total assets | $244,661,500 | 2,703 |
| Average earning assets | $218,154,000 | 2,760 |
| Average equity | $23,630,000 | 2,758 |
| Average total loans | $178,925,000 | 2,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 4,344 |
| Cost of funding earning assets | 2.1334% | 2,317 |
| Net interest margin | 3.3342% | 5,609 |
| Noninterest income to average assets | 0.8156% | 2,328 |
| Noninterest expense to average assets | 3.2654% | 3,140 |
| Loan and lease loss provision to assets | 0.1719% | 5,971 |
| Net operating income to assets | 0.3082% | 4,504 |
| Return on assets (ROA) | 0.3370% | 4,475 |
| Pretax return on assets | 0.4094% | 4,471 |
| Return on Equity (ROE) | 3.6658% | 4,222 |
| Retained earnings to average equity (ytd only) | 3.0874% | 3,001 |
| Net charge-offs to loans | 0.2357% | 5,151 |
| Credit loss provision to net charge-offs | 95.7684% | 5,787 |
| Earnings coverage of net charge-offs (x) | 3.0423% | 3,556 |
| Efficiency ratio | 85.6723% | 2,149 |
| Assets per employee ($millions) | 3.5584% | 4,872 |
| Cash dividends to net income (ytd only)* | 15.7770% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,056 |
| Loan loss allowance to noncurrent loans | 92.1964% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4943% | 4,141 |
| Noncurrent loans to loans | 1.7976% | 3,936 |
| Net loans and leases to total assets | 73.9496% | 2,286 |
| Net loans and leases to deposits | 87.7981% | 2,592 |
| Net loans and leases to core deposits | 112.4614% | 2,650 |
| Total domestic deposits to total assets | 84.2269% | 3,930 |
| Equity capital to assets | 9.5409% | 4,365 |
| Core capital (leverage) ratio | 9.5671% | 3,643 |
| Tier 1 risk-based capital ratio | 13.1472% | 4,050 |
| Total risk-based capital ratio | 14.3980% | 3,997 |
| Memoranda: | ||
| Average total assets | $250,136,400 | 2,607 |
| Average earning assets | $224,762,000 | 2,653 |
| Average equity | $22,996,400 | 2,826 |
| Average total loans | $190,457,400 | 2,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 4,550 |
| Cost of funding earning assets | 2.2325% | 2,268 |
| Net interest margin | 3.2417% | 5,873 |
| Noninterest income to average assets | 0.8214% | 2,327 |
| Noninterest expense to average assets | 3.2827% | 2,984 |
| Loan and lease loss provision to assets | 0.1247% | 6,106 |
| Net operating income to assets | 0.2824% | 4,852 |
| Return on assets (ROA) | 0.3226% | 4,814 |
| Pretax return on assets | 0.3767% | 4,859 |
| Return on Equity (ROE) | 3.5417% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.7669% | 3,787 |
| Net charge-offs to loans | 0.2689% | 4,359 |
| Credit loss provision to net charge-offs | 60.7235% | 6,159 |
| Earnings coverage of net charge-offs (x) | 2.2145% | 4,159 |
| Efficiency ratio | 87.8336% | 1,890 |
| Assets per employee ($millions) | 3.2711% | 5,464 |
| Cash dividends to net income (ytd only)* | 21.8750% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,080 |
| Loan loss allowance to noncurrent loans | 114.3359% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 4,929 |
| Noncurrent loans to loans | 1.3809% | 4,607 |
| Net loans and leases to total assets | 74.3706% | 2,423 |
| Net loans and leases to deposits | 88.2073% | 2,920 |
| Net loans and leases to core deposits | 115.1397% | 2,710 |
| Total domestic deposits to total assets | 84.3135% | 3,569 |
| Equity capital to assets | 9.6302% | 4,582 |
| Core capital (leverage) ratio | 9.3062% | 4,180 |
| Tier 1 risk-based capital ratio | 12.5810% | 4,486 |
| Total risk-based capital ratio | 13.8348% | 4,436 |
| Memoranda: | ||
| Average total assets | $251,287,500 | 2,611 |
| Average earning assets | $226,046,750 | 2,662 |
| Average equity | $22,889,000 | 2,868 |
| Average total loans | $191,914,250 | 2,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 4,985 |
| Cost of funding earning assets | 2.2522% | 2,566 |
| Net interest margin | 3.1799% | 5,980 |
| Noninterest income to average assets | 0.8418% | 2,210 |
| Noninterest expense to average assets | 3.3790% | 2,693 |
| Loan and lease loss provision to assets | 0.0955% | 6,210 |
| Net operating income to assets | 0.2018% | 5,255 |
| Return on assets (ROA) | 0.2630% | 5,134 |
| Pretax return on assets | 0.2977% | 5,217 |
| Return on Equity (ROE) | 2.9413% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.7665% | 4,356 |
| Net charge-offs to loans | 0.2215% | 4,114 |
| Credit loss provision to net charge-offs | 56.2791% | 5,656 |
| Earnings coverage of net charge-offs (x) | 1.9070% | 4,153 |
| Efficiency ratio | 91.2561% | 1,703 |
| Assets per employee ($millions) | 3.4373% | 4,983 |
| Cash dividends to net income (ytd only)* | 39.9399% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 2,885 |
| Loan loss allowance to noncurrent loans | 136.2392% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 5,146 |
| Noncurrent loans to loans | 1.1501% | 4,915 |
| Net loans and leases to total assets | 75.7711% | 2,236 |
| Net loans and leases to deposits | 90.2585% | 2,795 |
| Net loans and leases to core deposits | 121.6838% | 2,229 |
| Total domestic deposits to total assets | 83.9489% | 3,800 |
| Equity capital to assets | 9.1412% | 5,111 |
| Core capital (leverage) ratio | 8.9968% | 4,637 |
| Tier 1 risk-based capital ratio | 12.1638% | 4,790 |
| Total risk-based capital ratio | 13.4178% | 4,697 |
| Memoranda: | ||
| Average total assets | $253,272,670 | 2,601 |
| Average earning assets | $227,871,000 | 2,655 |
| Average equity | $22,643,330 | 2,894 |
| Average total loans | $194,091,670 | 2,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 4,833 |
| Cost of funding earning assets | 2.3011% | 2,694 |
| Net interest margin | 3.2129% | 5,823 |
| Noninterest income to average assets | 0.8401% | 2,124 |
| Noninterest expense to average assets | 2.8934% | 4,178 |
| Loan and lease loss provision to assets | 0.0703% | 6,081 |
| Net operating income to assets | 0.5314% | 4,290 |
| Return on assets (ROA) | 0.5215% | 4,519 |
| Pretax return on assets | 0.7401% | 4,287 |
| Return on Equity (ROE) | 5.8975% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.5491% | 3,921 |
| Net charge-offs to loans | 0.0265% | 5,162 |
| Credit loss provision to net charge-offs | 346.1538% | 1,452 |
| Earnings coverage of net charge-offs (x) | 40.6154% | 838 |
| Efficiency ratio | 77.8244% | 3,195 |
| Assets per employee ($millions) | 3.3763% | 5,135 |
| Cash dividends to net income (ytd only)* | 39.8204% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,527 |
| Loan loss allowance to noncurrent loans | 160.1132% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 5,248 |
| Noncurrent loans to loans | 0.9981% | 5,000 |
| Net loans and leases to total assets | 73.6811% | 2,839 |
| Net loans and leases to deposits | 87.6046% | 3,353 |
| Net loans and leases to core deposits | 130.4994% | 1,632 |
| Total domestic deposits to total assets | 84.1064% | 3,652 |
| Equity capital to assets | 8.7851% | 5,645 |
| Core capital (leverage) ratio | 9.0007% | 4,715 |
| Tier 1 risk-based capital ratio | 11.9183% | 5,027 |
| Total risk-based capital ratio | 13.1728% | 4,934 |
| Memoranda: | ||
| Average total assets | $256,166,500 | 2,579 |
| Average earning assets | $229,451,500 | 2,650 |
| Average equity | $22,653,500 | 2,903 |
| Average total loans | $195,884,000 | 2,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4581% | 3,162 |
| Cost of funding earning assets | 2.9333% | 2,130 |
| Net interest margin | 3.5248% | 5,212 |
| Noninterest income to average assets | 0.7511% | 2,778 |
| Noninterest expense to average assets | 2.9797% | 4,156 |
| Loan and lease loss provision to assets | 0.5372% | 2,679 |
| Net operating income to assets | 0.3260% | 5,462 |
| Return on assets (ROA) | 0.4003% | 4,963 |
| Pretax return on assets | 0.4920% | 4,996 |
| Return on Equity (ROE) | 4.2069% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.6210% | 3,556 |
| Net charge-offs to loans | 0.1460% | 4,754 |
| Credit loss provision to net charge-offs | 481.4394% | 916 |
| Earnings coverage of net charge-offs (x) | 8.4015% | 2,889 |
| Efficiency ratio | 76.0682% | 3,228 |
| Assets per employee ($millions) | 3.6574% | 4,270 |
| Cash dividends to net income (ytd only)* | 37.6980% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 2,384 |
| Loan loss allowance to noncurrent loans | 179.0116% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 4,957 |
| Noncurrent loans to loans | 0.8726% | 4,873 |
| Net loans and leases to total assets | 76.8850% | 2,406 |
| Net loans and leases to deposits | 91.7824% | 3,176 |
| Net loans and leases to core deposits | 132.4869% | 1,690 |
| Total domestic deposits to total assets | 83.7688% | 3,447 |
| Equity capital to assets | 8.9032% | 5,500 |
| Core capital (leverage) ratio | 9.1037% | 4,589 |
| Tier 1 risk-based capital ratio | 10.9222% | 5,795 |
| Total risk-based capital ratio | 12.0350% | 5,833 |
| Memoranda: | ||
| Average total assets | $236,599,400 | 2,683 |
| Average earning assets | $212,523,800 | 2,743 |
| Average equity | $22,510,600 | 2,906 |
| Average total loans | $180,855,400 | 2,492 |