Home > HomeTown Bank > Performance and Condition Ratios
HomeTown Bank, 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 | 4.4798% | 2,939 |
| Cost of funding earning assets | 0.8409% | 2,321 |
| Net interest margin | 3.6390% | 3,109 |
| Noninterest income to average assets | 0.2356% | 4,328 |
| Noninterest expense to average assets | 3.0213% | 1,932 |
| Loan and lease loss provision to assets | 0.9042% | 101 |
| Net operating income to assets | -0.2678% | 5,219 |
| Return on assets (ROA) | -0.2449% | 5,210 |
| Pretax return on assets | -0.3407% | 5,222 |
| Return on Equity (ROE) | -2.3467% | 5,227 |
| Retained earnings to average equity (ytd only) | -2.3467% | 4,772 |
| Net charge-offs to loans | 1.1476% | 109 |
| Credit loss provision to net charge-offs | 95.1456% | 1,667 |
| Earnings coverage of net charge-offs (x) | 0.5624% | 2,662 |
| Efficiency ratio | 84.9701% | 648 |
| Assets per employee ($millions) | 7.0291% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,344 |
| Loan loss allowance to noncurrent loans | 216.1255% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,336 |
| Noncurrent loans to loans | 0.3934% | 3,180 |
| Net loans and leases to total assets | 81.4365% | 651 |
| Net loans and leases to deposits | 94.6380% | 1,094 |
| Net loans and leases to core deposits | 99.8840% | 1,633 |
| Total domestic deposits to total assets | 86.0506% | 2,262 |
| Equity capital to assets | 10.1575% | 3,673 |
| Core capital (leverage) ratio | 10.2873% | 3,290 |
| Tier 1 risk-based capital ratio | 11.0266% | 4,963 |
| Total risk-based capital ratio | 11.7765% | 5,078 |
| Memoranda: | ||
| Average total assets | $563,601,500 | 1,294 |
| Average earning assets | $514,214,000 | 1,306 |
| Average equity | $58,805,000 | 1,394 |
| Average total loans | $466,705,500 | 1,145 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,863 |
| Cost of funding earning assets | 0.6147% | 2,620 |
| Net interest margin | 3.7548% | 2,840 |
| Noninterest income to average assets | 0.5930% | 2,331 |
| Noninterest expense to average assets | 2.8175% | 2,633 |
| Loan and lease loss provision to assets | 0.1008% | 2,171 |
| Net operating income to assets | 0.9472% | 3,247 |
| Return on assets (ROA) | 0.9482% | 3,239 |
| Pretax return on assets | 1.1496% | 3,098 |
| Return on Equity (ROE) | 8.9550% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.9550% | 882 |
| Net charge-offs to loans | 0.0710% | 2,101 |
| Credit loss provision to net charge-offs | 171.5596% | 1,631 |
| Earnings coverage of net charge-offs (x) | 21.2355% | 1,954 |
| Efficiency ratio | 69.3110% | 2,324 |
| Assets per employee ($millions) | 5.8235% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 4,369 |
| Loan loss allowance to noncurrent loans | 237.1955% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 2,146 |
| Noncurrent loans to loans | 0.3569% | 3,262 |
| Net loans and leases to total assets | 82.7708% | 547 |
| Net loans and leases to deposits | 94.7920% | 1,194 |
| Net loans and leases to core deposits | 97.9056% | 1,872 |
| Total domestic deposits to total assets | 87.3183% | 1,635 |
| Equity capital to assets | 10.7088% | 2,972 |
| Core capital (leverage) ratio | 10.7907% | 2,745 |
| Tier 1 risk-based capital ratio | 11.7240% | 4,612 |
| Total risk-based capital ratio | 12.4874% | 4,765 |
| Memoranda: | ||
| Average total assets | $556,627,000 | 1,277 |
| Average earning assets | $514,697,600 | 1,278 |
| Average equity | $58,939,400 | 1,340 |
| Average total loans | $460,592,800 | 1,128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,908 |
| Cost of funding earning assets | 0.5821% | 2,615 |
| Net interest margin | 3.7345% | 2,879 |
| Noninterest income to average assets | 0.6535% | 2,054 |
| Noninterest expense to average assets | 2.8548% | 2,445 |
| Loan and lease loss provision to assets | 0.0892% | 2,193 |
| Net operating income to assets | 0.9690% | 3,222 |
| Return on assets (ROA) | 0.9718% | 3,224 |
| Pretax return on assets | 1.1716% | 3,115 |
| Return on Equity (ROE) | 9.2042% | 3,004 |
| Retained earnings to average equity (ytd only) | 9.2042% | 1,154 |
| Net charge-offs to loans | 0.0530% | 2,066 |
| Credit loss provision to net charge-offs | 203.8462% | 1,360 |
| Earnings coverage of net charge-offs (x) | 28.6924% | 1,655 |
| Efficiency ratio | 69.4548% | 2,276 |
| Assets per employee ($millions) | 5.3724% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,484 |
| Loan loss allowance to noncurrent loans | 271.4580% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 1,781 |
| Noncurrent loans to loans | 0.3109% | 3,557 |
| Net loans and leases to total assets | 83.0047% | 564 |
| Net loans and leases to deposits | 95.9001% | 1,168 |
| Net loans and leases to core deposits | 99.0230% | 1,867 |
| Total domestic deposits to total assets | 86.5533% | 1,948 |
| Equity capital to assets | 10.7327% | 2,913 |
| Core capital (leverage) ratio | 10.8684% | 2,706 |
| Tier 1 risk-based capital ratio | 11.7260% | 4,648 |
| Total risk-based capital ratio | 12.4828% | 4,829 |
| Memoranda: | ||
| Average total assets | $554,564,000 | 1,283 |
| Average earning assets | $513,331,000 | 1,286 |
| Average equity | $58,551,250 | 1,351 |
| Average total loans | $457,854,250 | 1,132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,942 |
| Cost of funding earning assets | 0.5455% | 2,649 |
| Net interest margin | 3.7052% | 2,904 |
| Noninterest income to average assets | 0.6913% | 1,907 |
| Noninterest expense to average assets | 2.9249% | 2,275 |
| Loan and lease loss provision to assets | 0.1255% | 1,580 |
| Net operating income to assets | 0.9001% | 3,455 |
| Return on assets (ROA) | 0.9082% | 3,430 |
| Pretax return on assets | 1.0785% | 3,390 |
| Return on Equity (ROE) | 8.6502% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.6502% | 1,335 |
| Net charge-offs to loans | 0.0827% | 1,501 |
| Credit loss provision to net charge-offs | 184.5745% | 1,378 |
| Earnings coverage of net charge-offs (x) | 17.5426% | 1,949 |
| Efficiency ratio | 71.0397% | 2,157 |
| Assets per employee ($millions) | 5.3663% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,557 |
| Loan loss allowance to noncurrent loans | 238.9872% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 1,658 |
| Noncurrent loans to loans | 0.3550% | 3,424 |
| Net loans and leases to total assets | 82.0317% | 709 |
| Net loans and leases to deposits | 95.1209% | 1,235 |
| Net loans and leases to core deposits | 99.9179% | 1,744 |
| Total domestic deposits to total assets | 86.2394% | 2,173 |
| Equity capital to assets | 10.5332% | 3,080 |
| Core capital (leverage) ratio | 10.7048% | 2,801 |
| Tier 1 risk-based capital ratio | 11.6374% | 4,725 |
| Total risk-based capital ratio | 12.4009% | 4,876 |
| Memoranda: | ||
| Average total assets | $553,174,670 | 1,285 |
| Average earning assets | $511,497,000 | 1,290 |
| Average equity | $58,079,330 | 1,359 |
| Average total loans | $454,565,330 | 1,138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 2,924 |
| Cost of funding earning assets | 0.5090% | 2,731 |
| Net interest margin | 3.6779% | 2,891 |
| Noninterest income to average assets | 0.8491% | 1,303 |
| Noninterest expense to average assets | 2.9932% | 2,081 |
| Loan and lease loss provision to assets | 0.1721% | 1,019 |
| Net operating income to assets | 0.9567% | 3,043 |
| Return on assets (ROA) | 0.9864% | 2,938 |
| Pretax return on assets | 1.1251% | 3,068 |
| Return on Equity (ROE) | 9.4099% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.4099% | 1,326 |
| Net charge-offs to loans | 0.1197% | 1,070 |
| Credit loss provision to net charge-offs | 175.5556% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.8741% | 1,782 |
| Efficiency ratio | 70.3362% | 2,434 |
| Assets per employee ($millions) | 5.3512% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,656 |
| Loan loss allowance to noncurrent loans | 261.1637% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 1,711 |
| Noncurrent loans to loans | 0.3240% | 3,605 |
| Net loans and leases to total assets | 82.0649% | 659 |
| Net loans and leases to deposits | 94.9008% | 1,144 |
| Net loans and leases to core deposits | 101.9179% | 1,538 |
| Total domestic deposits to total assets | 86.4744% | 2,330 |
| Equity capital to assets | 10.5447% | 3,031 |
| Core capital (leverage) ratio | 10.7078% | 2,729 |
| Tier 1 risk-based capital ratio | 11.5919% | 4,810 |
| Total risk-based capital ratio | 12.3514% | 4,982 |
| Memoranda: | ||
| Average total assets | $550,714,500 | 1,299 |
| Average earning assets | $510,067,000 | 1,302 |
| Average equity | $57,726,500 | 1,376 |
| Average total loans | $450,982,000 | 1,151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,952 |
| Cost of funding earning assets | 0.5013% | 2,325 |
| Net interest margin | 3.6286% | 3,068 |
| Noninterest income to average assets | 0.4870% | 3,088 |
| Noninterest expense to average assets | 2.7973% | 2,786 |
| Loan and lease loss provision to assets | 0.2114% | 940 |
| Net operating income to assets | 0.5658% | 4,162 |
| Return on assets (ROA) | 0.5609% | 4,218 |
| Pretax return on assets | 0.8391% | 4,127 |
| Return on Equity (ROE) | 5.3825% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.3825% | 1,874 |
| Net charge-offs to loans | 0.2356% | 1,101 |
| Credit loss provision to net charge-offs | 111.9608% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.5676% | 3,306 |
| Efficiency ratio | 72.6853% | 2,125 |
| Assets per employee ($millions) | 5.1426% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,687 |
| Loan loss allowance to noncurrent loans | 247.7258% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 1,798 |
| Noncurrent loans to loans | 0.3403% | 3,543 |
| Net loans and leases to total assets | 80.3310% | 913 |
| Net loans and leases to deposits | 92.5449% | 1,442 |
| Net loans and leases to core deposits | 101.2683% | 1,608 |
| Total domestic deposits to total assets | 86.8023% | 2,087 |
| Equity capital to assets | 10.4194% | 3,242 |
| Core capital (leverage) ratio | 10.3886% | 2,977 |
| Tier 1 risk-based capital ratio | 11.7152% | 4,710 |
| Total risk-based capital ratio | 12.4809% | 4,900 |
| Memoranda: | ||
| Average total assets | $540,234,800 | 1,297 |
| Average earning assets | $500,475,200 | 1,298 |
| Average equity | $56,293,400 | 1,391 |
| Average total loans | $433,009,800 | 1,158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 2,943 |
| Cost of funding earning assets | 0.4993% | 2,269 |
| Net interest margin | 3.6137% | 3,097 |
| Noninterest income to average assets | 0.5073% | 2,990 |
| Noninterest expense to average assets | 2.8031% | 2,717 |
| Loan and lease loss provision to assets | 0.1426% | 1,479 |
| Net operating income to assets | 0.6299% | 4,275 |
| Return on assets (ROA) | 0.6268% | 4,340 |
| Pretax return on assets | 0.9102% | 4,006 |
| Return on Equity (ROE) | 6.0153% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,225 |
| Net charge-offs to loans | 0.1567% | 1,302 |
| Credit loss provision to net charge-offs | 113.8614% | 2,090 |
| Earnings coverage of net charge-offs (x) | 8.3960% | 2,788 |
| Efficiency ratio | 72.7243% | 2,092 |
| Assets per employee ($millions) | 5.3536% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,756 |
| Loan loss allowance to noncurrent loans | 217.3607% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 1,782 |
| Noncurrent loans to loans | 0.3912% | 3,552 |
| Net loans and leases to total assets | 78.3643% | 1,218 |
| Net loans and leases to deposits | 90.1796% | 1,786 |
| Net loans and leases to core deposits | 98.9037% | 1,807 |
| Total domestic deposits to total assets | 86.8980% | 1,906 |
| Equity capital to assets | 10.3944% | 3,484 |
| Core capital (leverage) ratio | 10.5980% | 2,885 |
| Tier 1 risk-based capital ratio | 11.7816% | 4,785 |
| Total risk-based capital ratio | 12.5445% | 4,970 |
| Memoranda: | ||
| Average total assets | $537,730,250 | 1,315 |
| Average earning assets | $498,061,250 | 1,313 |
| Average equity | $56,033,500 | 1,407 |
| Average total loans | $429,816,750 | 1,175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,795 |
| Cost of funding earning assets | 0.4940% | 2,217 |
| Net interest margin | 3.6155% | 2,975 |
| Noninterest income to average assets | 0.4907% | 3,082 |
| Noninterest expense to average assets | 2.8359% | 2,634 |
| Loan and lease loss provision to assets | 0.2007% | 918 |
| Net operating income to assets | 0.5599% | 4,475 |
| Return on assets (ROA) | 0.5582% | 4,530 |
| Pretax return on assets | 0.8061% | 4,246 |
| Return on Equity (ROE) | 5.3520% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.3520% | 2,496 |
| Net charge-offs to loans | 0.2202% | 924 |
| Credit loss provision to net charge-offs | 113.5881% | 1,848 |
| Earnings coverage of net charge-offs (x) | 5.6815% | 2,800 |
| Efficiency ratio | 73.8570% | 2,039 |
| Assets per employee ($millions) | 5.1691% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,817 |
| Loan loss allowance to noncurrent loans | 109.8249% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 1,549 |
| Noncurrent loans to loans | 0.7734% | 2,470 |
| Net loans and leases to total assets | 78.8257% | 1,120 |
| Net loans and leases to deposits | 90.6309% | 1,650 |
| Net loans and leases to core deposits | 99.8996% | 1,654 |
| Total domestic deposits to total assets | 86.9744% | 1,967 |
| Equity capital to assets | 10.2906% | 3,579 |
| Core capital (leverage) ratio | 10.4662% | 2,953 |
| Tier 1 risk-based capital ratio | 11.4159% | 5,010 |
| Total risk-based capital ratio | 12.1681% | 5,205 |
| Memoranda: | ||
| Average total assets | $533,166,670 | 1,337 |
| Average earning assets | $493,879,000 | 1,336 |
| Average equity | $55,605,670 | 1,422 |
| Average total loans | $427,814,670 | 1,181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 2,565 |
| Cost of funding earning assets | 0.4983% | 2,098 |
| Net interest margin | 3.6270% | 2,793 |
| Noninterest income to average assets | 0.5204% | 2,837 |
| Noninterest expense to average assets | 2.8308% | 2,685 |
| Loan and lease loss provision to assets | 0.0533% | 2,740 |
| Net operating income to assets | 0.6870% | 3,760 |
| Return on assets (ROA) | 0.6847% | 3,803 |
| Pretax return on assets | 0.9981% | 3,377 |
| Return on Equity (ROE) | 6.5198% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.5198% | 2,067 |
| Net charge-offs to loans | -0.0189% | 4,710 |
| Credit loss provision to net charge-offs | -350.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9322% | 2,417 |
| Assets per employee ($millions) | 5.2380% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 4,864 |
| Loan loss allowance to noncurrent loans | 323.7185% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 2,291 |
| Noncurrent loans to loans | 0.2688% | 4,146 |
| Net loans and leases to total assets | 79.4413% | 911 |
| Net loans and leases to deposits | 91.2945% | 1,398 |
| Net loans and leases to core deposits | 99.7047% | 1,524 |
| Total domestic deposits to total assets | 87.0166% | 2,207 |
| Equity capital to assets | 10.4262% | 3,262 |
| Core capital (leverage) ratio | 10.5336% | 2,865 |
| Tier 1 risk-based capital ratio | 11.6970% | 4,912 |
| Total risk-based capital ratio | 12.4792% | 5,081 |
| Memoranda: | ||
| Average total assets | $525,785,500 | 1,357 |
| Average earning assets | $487,229,500 | 1,351 |
| Average equity | $55,216,000 | 1,426 |
| Average total loans | $423,917,500 | 1,193 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 2,414 |
| Cost of funding earning assets | 0.5466% | 1,722 |
| Net interest margin | 3.6759% | 2,797 |
| Noninterest income to average assets | 0.4672% | 3,431 |
| Noninterest expense to average assets | 2.6661% | 3,469 |
| Loan and lease loss provision to assets | 0.2161% | 1,031 |
| Net operating income to assets | 0.5941% | 4,231 |
| Return on assets (ROA) | 0.6150% | 4,265 |
| Pretax return on assets | 0.9582% | 3,627 |
| Return on Equity (ROE) | 5.7434% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.7434% | 1,857 |
| Net charge-offs to loans | 0.1889% | 1,468 |
| Credit loss provision to net charge-offs | 145.4301% | 1,884 |
| Earnings coverage of net charge-offs (x) | 7.6398% | 2,987 |
| Efficiency ratio | 70.1329% | 2,876 |
| Assets per employee ($millions) | 5.2252% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,910 |
| Loan loss allowance to noncurrent loans | 391.8103% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 2,079 |
| Noncurrent loans to loans | 0.2211% | 4,363 |
| Net loans and leases to total assets | 80.4255% | 822 |
| Net loans and leases to deposits | 92.2169% | 1,420 |
| Net loans and leases to core deposits | 100.7729% | 1,554 |
| Total domestic deposits to total assets | 87.2134% | 2,019 |
| Equity capital to assets | 10.5796% | 3,065 |
| Core capital (leverage) ratio | 10.6735% | 2,688 |
| Tier 1 risk-based capital ratio | 11.8029% | 4,859 |
| Total risk-based capital ratio | 12.5861% | 5,048 |
| Memoranda: | ||
| Average total assets | $500,620,200 | 1,376 |
| Average earning assets | $454,087,800 | 1,409 |
| Average equity | $53,609,400 | 1,433 |
| Average total loans | $393,762,800 | 1,212 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,415 |
| Cost of funding earning assets | 0.5509% | 1,682 |
| Net interest margin | 3.6789% | 2,798 |
| Noninterest income to average assets | 0.5301% | 3,043 |
| Noninterest expense to average assets | 2.6370% | 3,546 |
| Loan and lease loss provision to assets | 0.2629% | 692 |
| Net operating income to assets | 0.5966% | 4,308 |
| Return on assets (ROA) | 0.6276% | 4,296 |
| Pretax return on assets | 1.0042% | 3,614 |
| Return on Equity (ROE) | 5.8427% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.8427% | 2,272 |
| Net charge-offs to loans | 0.2523% | 927 |
| Credit loss provision to net charge-offs | 133.5607% | 1,940 |
| Earnings coverage of net charge-offs (x) | 6.1528% | 3,032 |
| Efficiency ratio | 68.5254% | 3,136 |
| Assets per employee ($millions) | 5.1285% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,949 |
| Loan loss allowance to noncurrent loans | 305.5172% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 1,919 |
| Noncurrent loans to loans | 0.2870% | 4,238 |
| Net loans and leases to total assets | 78.9149% | 1,051 |
| Net loans and leases to deposits | 90.9373% | 1,642 |
| Net loans and leases to core deposits | 100.4734% | 1,587 |
| Total domestic deposits to total assets | 86.7795% | 1,993 |
| Equity capital to assets | 10.7570% | 3,301 |
| Core capital (leverage) ratio | 10.5829% | 2,891 |
| Tier 1 risk-based capital ratio | 12.0831% | 4,734 |
| Total risk-based capital ratio | 12.8758% | 4,932 |
| Memoranda: | ||
| Average total assets | $496,452,750 | 1,395 |
| Average earning assets | $447,772,250 | 1,423 |
| Average equity | $53,330,000 | 1,449 |
| Average total loans | $387,286,250 | 1,227 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 2,430 |
| Cost of funding earning assets | 0.5479% | 1,714 |
| Net interest margin | 3.6771% | 2,794 |
| Noninterest income to average assets | 0.4790% | 3,339 |
| Noninterest expense to average assets | 2.6048% | 3,707 |
| Loan and lease loss provision to assets | 0.3523% | 466 |
| Net operating income to assets | 0.4713% | 4,792 |
| Return on assets (ROA) | 0.5200% | 4,720 |
| Pretax return on assets | 0.8926% | 3,977 |
| Return on Equity (ROE) | 4.8429% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,833 |
| Net charge-offs to loans | 0.3757% | 615 |
| Credit loss provision to net charge-offs | 121.0600% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.0028% | 3,033 |
| Efficiency ratio | 69.0966% | 3,133 |
| Assets per employee ($millions) | 5.1049% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 5,034 |
| Loan loss allowance to noncurrent loans | 153.4253% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 1,550 |
| Noncurrent loans to loans | 0.5697% | 3,357 |
| Net loans and leases to total assets | 77.3931% | 1,274 |
| Net loans and leases to deposits | 90.1455% | 1,740 |
| Net loans and leases to core deposits | 102.1731% | 1,456 |
| Total domestic deposits to total assets | 85.8536% | 2,488 |
| Equity capital to assets | 10.6156% | 3,517 |
| Core capital (leverage) ratio | 10.6103% | 2,840 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,689 |
| Total risk-based capital ratio | 13.0158% | 4,872 |
| Memoranda: | ||
| Average total assets | $492,697,670 | 1,407 |
| Average earning assets | $440,948,000 | 1,452 |
| Average equity | $52,901,670 | 1,464 |
| Average total loans | $381,645,330 | 1,243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,325 |
| Cost of funding earning assets | 0.5526% | 1,680 |
| Net interest margin | 3.6902% | 2,708 |
| Noninterest income to average assets | 0.4984% | 3,125 |
| Noninterest expense to average assets | 2.6532% | 3,566 |
| Loan and lease loss provision to assets | 0.0493% | 2,944 |
| Net operating income to assets | 0.7596% | 3,439 |
| Return on assets (ROA) | 0.7509% | 3,587 |
| Pretax return on assets | 1.0889% | 3,136 |
| Return on Equity (ROE) | 6.9525% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.9525% | 1,907 |
| Net charge-offs to loans | 0.0117% | 2,734 |
| Credit loss provision to net charge-offs | 545.4545% | 569 |
| Earnings coverage of net charge-offs (x) | 126.6364% | 454 |
| Efficiency ratio | 69.8420% | 3,159 |
| Assets per employee ($millions) | 5.1388% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,128 |
| Loan loss allowance to noncurrent loans | 464.8611% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 1,656 |
| Noncurrent loans to loans | 0.1888% | 4,733 |
| Net loans and leases to total assets | 76.6244% | 1,304 |
| Net loans and leases to deposits | 91.1591% | 1,446 |
| Net loans and leases to core deposits | 100.9079% | 1,412 |
| Total domestic deposits to total assets | 84.0556% | 3,497 |
| Equity capital to assets | 10.7644% | 3,192 |
| Core capital (leverage) ratio | 10.8552% | 2,566 |
| Tier 1 risk-based capital ratio | 12.7955% | 4,401 |
| Total risk-based capital ratio | 13.6110% | 4,581 |
| Memoranda: | ||
| Average total assets | $486,353,500 | 1,423 |
| Average earning assets | $434,995,500 | 1,467 |
| Average equity | $52,527,500 | 1,466 |
| Average total loans | $375,176,500 | 1,258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,023 |
| Cost of funding earning assets | 0.5643% | 1,638 |
| Net interest margin | 3.7957% | 2,393 |
| Noninterest income to average assets | 0.5401% | 3,076 |
| Noninterest expense to average assets | 2.7577% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8175% | 3,263 |
| Return on assets (ROA) | 0.8129% | 3,362 |
| Pretax return on assets | 1.1796% | 2,733 |
| Return on Equity (ROE) | 8.0884% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.0884% | 889 |
| Net charge-offs to loans | 0.0097% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 157.4706% | 405 |
| Efficiency ratio | 70.0207% | 3,225 |
| Assets per employee ($millions) | 5.0998% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 5,101 |
| Loan loss allowance to noncurrent loans | 260.0946% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 1,547 |
| Noncurrent loans to loans | 0.3436% | 4,236 |
| Net loans and leases to total assets | 76.2859% | 1,365 |
| Net loans and leases to deposits | 91.1702% | 1,492 |
| Net loans and leases to core deposits | 102.4335% | 1,330 |
| Total domestic deposits to total assets | 83.6741% | 3,601 |
| Equity capital to assets | 10.8372% | 2,989 |
| Core capital (leverage) ratio | 10.8314% | 2,580 |
| Tier 1 risk-based capital ratio | 12.9701% | 4,342 |
| Total risk-based capital ratio | 13.7992% | 4,497 |
| Memoranda: | ||
| Average total assets | $453,456,400 | 1,480 |
| Average earning assets | $405,984,600 | 1,511 |
| Average equity | $45,571,200 | 1,616 |
| Average total loans | $351,165,800 | 1,284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,058 |
| Cost of funding earning assets | 0.5641% | 1,676 |
| Net interest margin | 3.7922% | 2,419 |
| Noninterest income to average assets | 0.4788% | 3,512 |
| Noninterest expense to average assets | 2.7625% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7781% | 3,535 |
| Return on assets (ROA) | 0.7741% | 3,651 |
| Pretax return on assets | 1.1201% | 3,136 |
| Return on Equity (ROE) | 7.8677% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.8677% | 1,296 |
| Net charge-offs to loans | 0.0073% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 197.5472% | 362 |
| Efficiency ratio | 71.1618% | 3,019 |
| Assets per employee ($millions) | 5.1975% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 5,128 |
| Loan loss allowance to noncurrent loans | 618.0970% | 849 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 1,460 |
| Noncurrent loans to loans | 0.1487% | 5,048 |
| Net loans and leases to total assets | 75.5309% | 1,454 |
| Net loans and leases to deposits | 89.2384% | 1,743 |
| Net loans and leases to core deposits | 101.7082% | 1,397 |
| Total domestic deposits to total assets | 84.6395% | 3,161 |
| Equity capital to assets | 9.5299% | 4,717 |
| Core capital (leverage) ratio | 9.7421% | 3,976 |
| Tier 1 risk-based capital ratio | 11.2570% | 5,514 |
| Total risk-based capital ratio | 12.0923% | 5,666 |
| Memoranda: | ||
| Average total assets | $446,974,250 | 1,512 |
| Average earning assets | $401,129,000 | 1,538 |
| Average equity | $43,976,000 | 1,686 |
| Average total loans | $346,707,000 | 1,303 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,029 |
| Cost of funding earning assets | 0.5581% | 1,754 |
| Net interest margin | 3.7861% | 2,377 |
| Noninterest income to average assets | 0.5006% | 3,374 |
| Noninterest expense to average assets | 2.7999% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7853% | 3,463 |
| Return on assets (ROA) | 0.7784% | 3,599 |
| Pretax return on assets | 1.1261% | 3,072 |
| Return on Equity (ROE) | 7.8239% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.8239% | 1,334 |
| Net charge-offs to loans | 0.0111% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 130.0526% | 483 |
| Efficiency ratio | 71.2908% | 3,114 |
| Assets per employee ($millions) | 4.8842% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 5,165 |
| Loan loss allowance to noncurrent loans | 665.2610% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.6402% | 1,464 |
| Noncurrent loans to loans | 0.1405% | 5,187 |
| Net loans and leases to total assets | 78.1456% | 1,052 |
| Net loans and leases to deposits | 93.0565% | 1,246 |
| Net loans and leases to core deposits | 105.7870% | 1,077 |
| Total domestic deposits to total assets | 83.9765% | 3,572 |
| Equity capital to assets | 9.8336% | 4,240 |
| Core capital (leverage) ratio | 9.8692% | 3,775 |
| Tier 1 risk-based capital ratio | 11.2831% | 5,585 |
| Total risk-based capital ratio | 12.1340% | 5,690 |
| Memoranda: | ||
| Average total assets | $438,308,000 | 1,542 |
| Average earning assets | $396,718,330 | 1,562 |
| Average equity | $43,610,000 | 1,707 |
| Average total loans | $342,091,330 | 1,322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 1,983 |
| Cost of funding earning assets | 0.5508% | 1,833 |
| Net interest margin | 3.7845% | 2,278 |
| Noninterest income to average assets | 0.4057% | 3,956 |
| Noninterest expense to average assets | 2.7967% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7213% | 3,691 |
| Return on assets (ROA) | 0.7338% | 3,757 |
| Pretax return on assets | 1.0619% | 3,253 |
| Return on Equity (ROE) | 7.3312% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.3312% | 1,841 |
| Net charge-offs to loans | 0.0036% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 374.3333% | 151 |
| Efficiency ratio | 72.9332% | 2,999 |
| Assets per employee ($millions) | 4.9143% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 5,131 |
| Loan loss allowance to noncurrent loans | 236.4347% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.9034% | 1,275 |
| Noncurrent loans to loans | 0.4142% | 4,346 |
| Net loans and leases to total assets | 76.9526% | 1,066 |
| Net loans and leases to deposits | 91.7639% | 1,216 |
| Net loans and leases to core deposits | 106.3816% | 914 |
| Total domestic deposits to total assets | 83.8594% | 3,867 |
| Equity capital to assets | 10.0201% | 4,124 |
| Core capital (leverage) ratio | 9.9625% | 3,648 |
| Tier 1 risk-based capital ratio | 11.5501% | 5,526 |
| Total risk-based capital ratio | 12.4133% | 5,643 |
| Memoranda: | ||
| Average total assets | $432,789,000 | 1,568 |
| Average earning assets | $392,124,000 | 1,585 |
| Average equity | $43,321,500 | 1,717 |
| Average total loans | $335,908,500 | 1,341 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 2,021 |
| Cost of funding earning assets | 0.5627% | 2,123 |
| Net interest margin | 3.9000% | 2,243 |
| Noninterest income to average assets | 0.3973% | 4,200 |
| Noninterest expense to average assets | 2.7236% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8241% | 3,258 |
| Return on assets (ROA) | 0.8451% | 3,236 |
| Pretax return on assets | 1.2390% | 2,490 |
| Return on Equity (ROE) | 8.6512% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.6512% | 785 |
| Net charge-offs to loans | 0.1231% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.8997% | 2,327 |
| Efficiency ratio | 69.2713% | 3,660 |
| Assets per employee ($millions) | 4.7579% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,030 |
| Loan loss allowance to noncurrent loans | 265.7097% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.9243% | 1,338 |
| Noncurrent loans to loans | 0.3778% | 4,507 |
| Net loans and leases to total assets | 76.7357% | 1,164 |
| Net loans and leases to deposits | 90.5199% | 1,463 |
| Net loans and leases to core deposits | 104.8509% | 1,087 |
| Total domestic deposits to total assets | 84.7722% | 3,380 |
| Equity capital to assets | 9.9993% | 4,114 |
| Core capital (leverage) ratio | 9.9961% | 3,579 |
| Tier 1 risk-based capital ratio | 12.0497% | 5,324 |
| Total risk-based capital ratio | 12.9975% | 5,429 |
| Memoranda: | ||
| Average total assets | $415,333,600 | 1,591 |
| Average earning assets | $376,408,600 | 1,608 |
| Average equity | $40,572,600 | 1,756 |
| Average total loans | $315,990,400 | 1,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,988 |
| Cost of funding earning assets | 0.5697% | 2,108 |
| Net interest margin | 3.8981% | 2,251 |
| Noninterest income to average assets | 0.3730% | 4,444 |
| Noninterest expense to average assets | 2.7018% | 3,815 |
| Loan and lease loss provision to assets | 0.0654% | 3,047 |
| Net operating income to assets | 0.7815% | 3,506 |
| Return on assets (ROA) | 0.8056% | 3,502 |
| Pretax return on assets | 1.1695% | 2,914 |
| Return on Equity (ROE) | 8.2975% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.2975% | 1,221 |
| Net charge-offs to loans | 0.1714% | 2,081 |
| Credit loss provision to net charge-offs | 50.3741% | 3,092 |
| Earnings coverage of net charge-offs (x) | 9.2494% | 2,694 |
| Efficiency ratio | 69.2454% | 3,636 |
| Assets per employee ($millions) | 4.6435% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,742 |
| Loan loss allowance to noncurrent loans | 271.3405% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 2.3890% | 1,136 |
| Noncurrent loans to loans | 0.4060% | 4,689 |
| Net loans and leases to total assets | 75.6519% | 1,264 |
| Net loans and leases to deposits | 89.7896% | 1,447 |
| Net loans and leases to core deposits | 105.2653% | 1,003 |
| Total domestic deposits to total assets | 84.2546% | 3,657 |
| Equity capital to assets | 9.9573% | 4,216 |
| Core capital (leverage) ratio | 9.8316% | 3,905 |
| Tier 1 risk-based capital ratio | 12.2221% | 5,349 |
| Total risk-based capital ratio | 13.2637% | 5,392 |
| Memoranda: | ||
| Average total assets | $412,114,750 | 1,617 |
| Average earning assets | $373,065,250 | 1,631 |
| Average equity | $40,011,250 | 1,790 |
| Average total loans | $312,007,750 | 1,394 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,986 |
| Cost of funding earning assets | 0.5783% | 2,088 |
| Net interest margin | 3.8740% | 2,284 |
| Noninterest income to average assets | 0.3335% | 4,755 |
| Noninterest expense to average assets | 2.5925% | 4,264 |
| Loan and lease loss provision to assets | 0.0985% | 2,385 |
| Net operating income to assets | 0.7906% | 3,375 |
| Return on assets (ROA) | 0.8269% | 3,293 |
| Pretax return on assets | 1.2034% | 2,655 |
| Return on Equity (ROE) | 8.5923% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.5923% | 1,118 |
| Net charge-offs to loans | 0.1984% | 1,839 |
| Credit loss provision to net charge-offs | 65.7980% | 2,541 |
| Earnings coverage of net charge-offs (x) | 8.3453% | 2,505 |
| Efficiency ratio | 67.4832% | 4,115 |
| Assets per employee ($millions) | 4.7427% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,729 |
| Loan loss allowance to noncurrent loans | 148.0147% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 2.3570% | 1,239 |
| Noncurrent loans to loans | 0.7679% | 3,785 |
| Net loans and leases to total assets | 75.3578% | 1,257 |
| Net loans and leases to deposits | 90.0423% | 1,368 |
| Net loans and leases to core deposits | 106.0616% | 896 |
| Total domestic deposits to total assets | 83.6916% | 4,035 |
| Equity capital to assets | 9.7501% | 4,428 |
| Core capital (leverage) ratio | 9.8428% | 3,827 |
| Tier 1 risk-based capital ratio | 12.2298% | 5,398 |
| Total risk-based capital ratio | 13.3213% | 5,430 |
| Memoranda: | ||
| Average total assets | $410,182,000 | 1,624 |
| Average earning assets | $371,453,000 | 1,634 |
| Average equity | $39,477,330 | 1,794 |
| Average total loans | $309,450,000 | 1,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 1,999 |
| Cost of funding earning assets | 0.5790% | 2,162 |
| Net interest margin | 3.8588% | 2,236 |
| Noninterest income to average assets | 0.3148% | 4,848 |
| Noninterest expense to average assets | 2.5785% | 4,345 |
| Loan and lease loss provision to assets | 0.0689% | 2,754 |
| Net operating income to assets | 0.8047% | 3,131 |
| Return on assets (ROA) | 0.8047% | 3,209 |
| Pretax return on assets | 1.1687% | 2,624 |
| Return on Equity (ROE) | 8.4179% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.4179% | 1,452 |
| Net charge-offs to loans | 0.0026% | 3,627 |
| Credit loss provision to net charge-offs | 3,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 629.0000% | 50 |
| Efficiency ratio | 67.5690% | 4,261 |
| Assets per employee ($millions) | 4.9488% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 4,578 |
| Loan loss allowance to noncurrent loans | 395.9248% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 1,736 |
| Noncurrent loans to loans | 0.3064% | 5,193 |
| Net loans and leases to total assets | 75.1066% | 1,114 |
| Net loans and leases to deposits | 88.2015% | 1,335 |
| Net loans and leases to core deposits | 101.0482% | 1,032 |
| Total domestic deposits to total assets | 85.1534% | 3,798 |
| Equity capital to assets | 9.6271% | 4,320 |
| Core capital (leverage) ratio | 9.8927% | 3,724 |
| Tier 1 risk-based capital ratio | 12.1911% | 5,512 |
| Total risk-based capital ratio | 13.3568% | 5,502 |
| Memoranda: | ||
| Average total assets | $406,592,500 | 1,645 |
| Average earning assets | $368,925,000 | 1,656 |
| Average equity | $38,869,500 | 1,809 |
| Average total loans | $305,110,000 | 1,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,993 |
| Cost of funding earning assets | 0.6323% | 2,364 |
| Net interest margin | 3.9294% | 2,185 |
| Noninterest income to average assets | 0.1290% | 6,282 |
| Noninterest expense to average assets | 2.6260% | 4,371 |
| Loan and lease loss provision to assets | 0.0324% | 4,468 |
| Net operating income to assets | 0.7068% | 3,765 |
| Return on assets (ROA) | 0.7332% | 3,725 |
| Pretax return on assets | 1.0937% | 2,969 |
| Return on Equity (ROE) | 7.6319% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.6319% | 1,178 |
| Net charge-offs to loans | 0.0683% | 4,254 |
| Credit loss provision to net charge-offs | 64.4330% | 3,442 |
| Earnings coverage of net charge-offs (x) | 21.5825% | 1,487 |
| Efficiency ratio | 70.7305% | 3,714 |
| Assets per employee ($millions) | 4.8487% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,394 |
| Loan loss allowance to noncurrent loans | 306.7601% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 2.3248% | 1,504 |
| Noncurrent loans to loans | 0.4071% | 4,989 |
| Net loans and leases to total assets | 73.1074% | 1,504 |
| Net loans and leases to deposits | 86.2483% | 1,650 |
| Net loans and leases to core deposits | 99.2206% | 1,214 |
| Total domestic deposits to total assets | 84.7639% | 3,863 |
| Equity capital to assets | 9.4912% | 4,439 |
| Core capital (leverage) ratio | 9.8724% | 3,741 |
| Tier 1 risk-based capital ratio | 12.3763% | 5,376 |
| Total risk-based capital ratio | 13.5634% | 5,347 |
| Memoranda: | ||
| Average total assets | $385,299,400 | 1,704 |
| Average earning assets | $351,402,400 | 1,703 |
| Average equity | $37,015,600 | 1,866 |
| Average total loans | $284,020,600 | 1,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,045 |
| Cost of funding earning assets | 0.6436% | 2,420 |
| Net interest margin | 3.9043% | 2,258 |
| Noninterest income to average assets | 0.1907% | 6,044 |
| Noninterest expense to average assets | 2.7043% | 4,006 |
| Loan and lease loss provision to assets | 0.0437% | 4,136 |
| Net operating income to assets | 0.6793% | 3,957 |
| Return on assets (ROA) | 0.7065% | 3,958 |
| Pretax return on assets | 1.0561% | 3,277 |
| Return on Equity (ROE) | 7.3309% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.3309% | 1,716 |
| Net charge-offs to loans | 0.1098% | 3,440 |
| Credit loss provision to net charge-offs | 54.1126% | 3,416 |
| Earnings coverage of net charge-offs (x) | 13.1040% | 2,067 |
| Efficiency ratio | 71.8550% | 3,434 |
| Assets per employee ($millions) | 4.5839% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,487 |
| Loan loss allowance to noncurrent loans | 459.9251% | 955 |
| Noncurrent assets plus other real estate owned to assets | 2.3896% | 1,634 |
| Noncurrent loans to loans | 0.2788% | 5,534 |
| Net loans and leases to total assets | 73.6643% | 1,333 |
| Net loans and leases to deposits | 86.7570% | 1,516 |
| Net loans and leases to core deposits | 96.7210% | 1,337 |
| Total domestic deposits to total assets | 84.9087% | 3,789 |
| Equity capital to assets | 9.7817% | 4,208 |
| Core capital (leverage) ratio | 9.6922% | 4,115 |
| Tier 1 risk-based capital ratio | 12.7077% | 5,320 |
| Total risk-based capital ratio | 13.9403% | 5,276 |
| Memoranda: | ||
| Average total assets | $381,014,750 | 1,730 |
| Average earning assets | $348,665,000 | 1,733 |
| Average equity | $36,720,500 | 1,898 |
| Average total loans | $280,542,500 | 1,513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 2,103 |
| Cost of funding earning assets | 0.6495% | 2,500 |
| Net interest margin | 3.8759% | 2,291 |
| Noninterest income to average assets | 0.1370% | 6,367 |
| Noninterest expense to average assets | 2.7266% | 3,937 |
| Loan and lease loss provision to assets | 0.0658% | 3,712 |
| Net operating income to assets | 0.5977% | 4,294 |
| Return on assets (ROA) | 0.6358% | 4,276 |
| Pretax return on assets | 0.9535% | 3,702 |
| Return on Equity (ROE) | 6.6308% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,075 |
| Net charge-offs to loans | 0.1833% | 2,661 |
| Credit loss provision to net charge-offs | 49.0196% | 3,233 |
| Earnings coverage of net charge-offs (x) | 7.1647% | 2,588 |
| Efficiency ratio | 73.9112% | 3,152 |
| Assets per employee ($millions) | 4.7788% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,535 |
| Loan loss allowance to noncurrent loans | 299.2641% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 2.4659% | 1,720 |
| Noncurrent loans to loans | 0.4327% | 5,178 |
| Net loans and leases to total assets | 71.1963% | 1,691 |
| Net loans and leases to deposits | 83.3777% | 1,884 |
| Net loans and leases to core deposits | 93.4962% | 1,563 |
| Total domestic deposits to total assets | 85.3902% | 3,704 |
| Equity capital to assets | 9.4769% | 4,612 |
| Core capital (leverage) ratio | 9.6798% | 3,968 |
| Tier 1 risk-based capital ratio | 12.5804% | 5,443 |
| Total risk-based capital ratio | 13.8239% | 5,391 |
| Memoranda: | ||
| Average total assets | $379,671,670 | 1,740 |
| Average earning assets | $347,944,670 | 1,735 |
| Average equity | $36,406,000 | 1,921 |
| Average total loans | $278,282,000 | 1,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 2,097 |
| Cost of funding earning assets | 0.6666% | 2,512 |
| Net interest margin | 3.8536% | 2,268 |
| Noninterest income to average assets | 0.3052% | 5,255 |
| Noninterest expense to average assets | 2.8331% | 3,589 |
| Loan and lease loss provision to assets | 0.1338% | 2,563 |
| Net operating income to assets | 0.5778% | 4,325 |
| Return on assets (ROA) | 0.5793% | 4,468 |
| Pretax return on assets | 0.8684% | 3,879 |
| Return on Equity (ROE) | 6.0043% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.0043% | 2,675 |
| Net charge-offs to loans | 0.1681% | 2,399 |
| Credit loss provision to net charge-offs | 107.7586% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.0517% | 1,985 |
| Efficiency ratio | 73.9106% | 3,279 |
| Assets per employee ($millions) | 4.5398% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,377 |
| Loan loss allowance to noncurrent loans | 161.2479% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 3.1306% | 1,408 |
| Noncurrent loans to loans | 0.8497% | 4,421 |
| Net loans and leases to total assets | 72.5741% | 1,273 |
| Net loans and leases to deposits | 85.4867% | 1,421 |
| Net loans and leases to core deposits | 97.3774% | 1,121 |
| Total domestic deposits to total assets | 84.8952% | 4,091 |
| Equity capital to assets | 9.6146% | 4,686 |
| Core capital (leverage) ratio | 9.3934% | 4,257 |
| Tier 1 risk-based capital ratio | 12.3049% | 5,716 |
| Total risk-based capital ratio | 13.5561% | 5,667 |
| Memoranda: | ||
| Average total assets | $373,577,500 | 1,768 |
| Average earning assets | $342,019,000 | 1,767 |
| Average equity | $36,041,000 | 1,959 |
| Average total loans | $276,098,000 | 1,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 2,832 |
| Cost of funding earning assets | 0.8031% | 2,639 |
| Net interest margin | 3.8408% | 3,057 |
| Noninterest income to average assets | 0.1594% | 6,235 |
| Noninterest expense to average assets | 2.6017% | 4,741 |
| Loan and lease loss provision to assets | 0.3830% | 1,707 |
| Net operating income to assets | 1.2397% | 1,476 |
| Return on assets (ROA) | 1.2753% | 1,529 |
| Pretax return on assets | 0.7244% | 4,578 |
| Return on Equity (ROE) | 13.7580% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.7580% | 212 |
| Net charge-offs to loans | 0.6136% | 1,904 |
| Credit loss provision to net charge-offs | 88.1653% | 3,544 |
| Earnings coverage of net charge-offs (x) | 2.4671% | 4,177 |
| Efficiency ratio | 70.8235% | 3,651 |
| Assets per employee ($millions) | 4.5723% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,266 |
| Loan loss allowance to noncurrent loans | 140.9446% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 3.1394% | 1,490 |
| Noncurrent loans to loans | 0.9780% | 4,236 |
| Net loans and leases to total assets | 73.2129% | 1,302 |
| Net loans and leases to deposits | 87.2644% | 1,356 |
| Net loans and leases to core deposits | 100.3564% | 1,003 |
| Total domestic deposits to total assets | 83.8978% | 4,360 |
| Equity capital to assets | 9.6810% | 4,619 |
| Core capital (leverage) ratio | 9.0674% | 4,789 |
| Tier 1 risk-based capital ratio | 11.9912% | 5,797 |
| Total risk-based capital ratio | 13.2424% | 5,747 |
| Memoranda: | ||
| Average total assets | $367,603,200 | 1,774 |
| Average earning assets | $336,333,800 | 1,763 |
| Average equity | $34,074,600 | 2,030 |
| Average total loans | $260,284,200 | 1,590 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 3,048 |
| Cost of funding earning assets | 0.8282% | 2,719 |
| Net interest margin | 3.8146% | 3,271 |
| Noninterest income to average assets | 0.2278% | 5,919 |
| Noninterest expense to average assets | 2.5993% | 4,742 |
| Loan and lease loss provision to assets | 0.5116% | 1,190 |
| Net operating income to assets | 1.4524% | 1,123 |
| Return on assets (ROA) | 1.4986% | 1,139 |
| Pretax return on assets | 0.6544% | 4,994 |
| Return on Equity (ROE) | 16.3502% | 688 |
| Retained earnings to average equity (ytd only) | 16.3502% | 180 |
| Net charge-offs to loans | 0.7721% | 1,432 |
| Credit loss provision to net charge-offs | 94.7510% | 3,153 |
| Earnings coverage of net charge-offs (x) | 2.0740% | 4,231 |
| Efficiency ratio | 69.8876% | 3,706 |
| Assets per employee ($millions) | 4.5536% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,103 |
| Loan loss allowance to noncurrent loans | 356.2557% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 3.0324% | 1,722 |
| Noncurrent loans to loans | 0.4105% | 5,631 |
| Net loans and leases to total assets | 71.2667% | 1,682 |
| Net loans and leases to deposits | 84.1159% | 1,860 |
| Net loans and leases to core deposits | 93.3840% | 1,636 |
| Total domestic deposits to total assets | 84.7244% | 3,874 |
| Equity capital to assets | 9.5683% | 5,113 |
| Core capital (leverage) ratio | 8.9341% | 5,149 |
| Tier 1 risk-based capital ratio | 11.9774% | 5,950 |
| Total risk-based capital ratio | 13.2296% | 5,934 |
| Memoranda: | ||
| Average total assets | $366,915,500 | 1,798 |
| Average earning assets | $335,828,250 | 1,791 |
| Average equity | $33,629,750 | 2,065 |
| Average total loans | $256,621,000 | 1,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 3,152 |
| Cost of funding earning assets | 0.8540% | 2,766 |
| Net interest margin | 3.7927% | 3,395 |
| Noninterest income to average assets | 0.2484% | 5,802 |
| Noninterest expense to average assets | 2.6144% | 4,725 |
| Loan and lease loss provision to assets | 0.6978% | 788 |
| Net operating income to assets | 1.8473% | 514 |
| Return on assets (ROA) | 1.9166% | 512 |
| Pretax return on assets | 0.4805% | 5,493 |
| Return on Equity (ROE) | 21.2241% | 280 |
| Retained earnings to average equity (ytd only) | 21.2241% | 81 |
| Net charge-offs to loans | 0.9777% | 1,137 |
| Credit loss provision to net charge-offs | 103.2310% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.6405% | 4,169 |
| Efficiency ratio | 70.2156% | 3,730 |
| Assets per employee ($millions) | 4.6402% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,845 |
| Loan loss allowance to noncurrent loans | 122.8301% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 3.2353% | 1,683 |
| Noncurrent loans to loans | 1.2504% | 4,049 |
| Net loans and leases to total assets | 68.5514% | 2,193 |
| Net loans and leases to deposits | 80.2947% | 2,343 |
| Net loans and leases to core deposits | 89.0003% | 2,100 |
| Total domestic deposits to total assets | 85.3748% | 3,677 |
| Equity capital to assets | 9.1516% | 5,520 |
| Core capital (leverage) ratio | 8.7156% | 5,352 |
| Tier 1 risk-based capital ratio | 11.8384% | 6,035 |
| Total risk-based capital ratio | 13.0913% | 6,001 |
| Memoranda: | ||
| Average total assets | $366,272,670 | 1,800 |
| Average earning assets | $335,587,670 | 1,792 |
| Average equity | $33,075,670 | 2,080 |
| Average total loans | $253,240,000 | 1,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 3,076 |
| Cost of funding earning assets | 0.9120% | 2,593 |
| Net interest margin | 3.7822% | 3,474 |
| Noninterest income to average assets | 0.2600% | 5,786 |
| Noninterest expense to average assets | 2.7421% | 4,279 |
| Loan and lease loss provision to assets | 0.2102% | 2,845 |
| Net operating income to assets | 3.7468% | 71 |
| Return on assets (ROA) | 3.7468% | 78 |
| Pretax return on assets | 0.7724% | 4,521 |
| Return on Equity (ROE) | 41.7831% | 46 |
| Retained earnings to average equity (ytd only) | 41.7831% | 30 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6185% | 3,151 |
| Assets per employee ($millions) | 4.5223% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,447 |
| Loan loss allowance to noncurrent loans | 172.2016% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 3.2141% | 1,803 |
| Noncurrent loans to loans | 0.9724% | 4,736 |
| Net loans and leases to total assets | 67.6637% | 2,174 |
| Net loans and leases to deposits | 79.7184% | 2,241 |
| Net loans and leases to core deposits | 86.7930% | 2,198 |
| Total domestic deposits to total assets | 84.8783% | 4,095 |
| Equity capital to assets | 9.4070% | 4,950 |
| Core capital (leverage) ratio | 8.7387% | 5,232 |
| Tier 1 risk-based capital ratio | 12.0781% | 5,908 |
| Total risk-based capital ratio | 13.3322% | 5,883 |
| Memoranda: | ||
| Average total assets | $361,480,000 | 1,832 |
| Average earning assets | $331,129,000 | 1,824 |
| Average equity | $32,415,000 | 2,121 |
| Average total loans | $249,022,500 | 1,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 3,648 |
| Cost of funding earning assets | 1.3087% | 1,444 |
| Net interest margin | 3.5268% | 5,037 |
| Noninterest income to average assets | 0.1068% | 6,612 |
| Noninterest expense to average assets | 2.5436% | 5,320 |
| Loan and lease loss provision to assets | 0.3425% | 2,955 |
| Net operating income to assets | 0.4944% | 4,450 |
| Return on assets (ROA) | 0.5494% | 4,422 |
| Pretax return on assets | 0.5494% | 4,840 |
| Return on Equity (ROE) | 6.7260% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.7260% | 1,627 |
| Net charge-offs to loans | 0.9614% | 1,795 |
| Credit loss provision to net charge-offs | 49.4537% | 5,430 |
| Earnings coverage of net charge-offs (x) | 1.2084% | 4,878 |
| Efficiency ratio | 75.2425% | 3,019 |
| Assets per employee ($millions) | 4.6304% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,598 |
| Loan loss allowance to noncurrent loans | 195.8169% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 3.2101% | 1,861 |
| Noncurrent loans to loans | 0.8158% | 5,057 |
| Net loans and leases to total assets | 67.8618% | 2,429 |
| Net loans and leases to deposits | 79.0829% | 2,672 |
| Net loans and leases to core deposits | 86.8219% | 2,525 |
| Total domestic deposits to total assets | 85.8110% | 3,424 |
| Equity capital to assets | 8.5269% | 6,112 |
| Core capital (leverage) ratio | 8.3014% | 5,854 |
| Tier 1 risk-based capital ratio | 11.3603% | 6,250 |
| Total risk-based capital ratio | 12.6138% | 6,235 |
| Memoranda: | ||
| Average total assets | $356,780,200 | 1,816 |
| Average earning assets | $331,179,200 | 1,787 |
| Average equity | $29,140,600 | 2,262 |
| Average total loans | $257,022,200 | 1,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 3,730 |
| Cost of funding earning assets | 1.3824% | 1,309 |
| Net interest margin | 3.4777% | 5,283 |
| Noninterest income to average assets | 0.1383% | 6,559 |
| Noninterest expense to average assets | 2.5663% | 5,212 |
| Loan and lease loss provision to assets | 0.3235% | 2,944 |
| Net operating income to assets | 0.4877% | 4,592 |
| Return on assets (ROA) | 0.5612% | 4,436 |
| Pretax return on assets | 0.5612% | 4,931 |
| Return on Equity (ROE) | 6.9481% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.9481% | 1,996 |
| Net charge-offs to loans | 0.8741% | 1,823 |
| Credit loss provision to net charge-offs | 50.8245% | 5,022 |
| Earnings coverage of net charge-offs (x) | 1.2744% | 4,659 |
| Efficiency ratio | 75.9822% | 2,842 |
| Assets per employee ($millions) | 4.6085% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 3,120 |
| Loan loss allowance to noncurrent loans | 243.7847% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 2.5307% | 2,543 |
| Noncurrent loans to loans | 0.7162% | 5,447 |
| Net loans and leases to total assets | 68.7768% | 2,317 |
| Net loans and leases to deposits | 80.1952% | 2,624 |
| Net loans and leases to core deposits | 89.8820% | 2,264 |
| Total domestic deposits to total assets | 85.7617% | 3,348 |
| Equity capital to assets | 8.4388% | 6,359 |
| Core capital (leverage) ratio | 8.1473% | 6,207 |
| Tier 1 risk-based capital ratio | 11.2128% | 6,421 |
| Total risk-based capital ratio | 12.4684% | 6,402 |
| Memoranda: | ||
| Average total assets | $355,681,500 | 1,831 |
| Average earning assets | $331,288,000 | 1,801 |
| Average equity | $28,726,500 | 2,288 |
| Average total loans | $259,008,000 | 1,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 3,771 |
| Cost of funding earning assets | 1.4406% | 1,229 |
| Net interest margin | 3.4256% | 5,459 |
| Noninterest income to average assets | 0.1625% | 6,493 |
| Noninterest expense to average assets | 2.6590% | 4,971 |
| Loan and lease loss provision to assets | 0.2900% | 3,069 |
| Net operating income to assets | 0.4125% | 4,886 |
| Return on assets (ROA) | 0.4859% | 4,709 |
| Pretax return on assets | 0.4859% | 5,112 |
| Return on Equity (ROE) | 6.1084% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,356 |
| Net charge-offs to loans | 1.0877% | 1,451 |
| Credit loss provision to net charge-offs | 36.1463% | 4,885 |
| Earnings coverage of net charge-offs (x) | 0.8755% | 4,638 |
| Efficiency ratio | 79.1002% | 2,540 |
| Assets per employee ($millions) | 4.5881% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,372 |
| Loan loss allowance to noncurrent loans | 222.4511% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 2.5088% | 2,659 |
| Noncurrent loans to loans | 0.7582% | 5,393 |
| Net loans and leases to total assets | 71.2779% | 1,942 |
| Net loans and leases to deposits | 82.9541% | 2,287 |
| Net loans and leases to core deposits | 93.5534% | 1,954 |
| Total domestic deposits to total assets | 85.9246% | 3,367 |
| Equity capital to assets | 8.2959% | 6,431 |
| Core capital (leverage) ratio | 7.9911% | 6,309 |
| Tier 1 risk-based capital ratio | 10.8638% | 6,622 |
| Total risk-based capital ratio | 12.1186% | 6,585 |
| Memoranda: | ||
| Average total assets | $354,422,000 | 1,851 |
| Average earning assets | $330,977,670 | 1,806 |
| Average equity | $28,190,670 | 2,298 |
| Average total loans | $261,471,330 | 1,645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 4,276 |
| Cost of funding earning assets | 1.4600% | 1,331 |
| Net interest margin | 3.2952% | 5,797 |
| Noninterest income to average assets | 0.1623% | 6,565 |
| Noninterest expense to average assets | 2.6896% | 4,876 |
| Loan and lease loss provision to assets | 0.2794% | 2,920 |
| Net operating income to assets | 0.2907% | 5,454 |
| Return on assets (ROA) | 0.2952% | 5,499 |
| Pretax return on assets | 0.2952% | 5,669 |
| Return on Equity (ROE) | 3.7927% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.7927% | 3,900 |
| Net charge-offs to loans | 0.6012% | 1,991 |
| Credit loss provision to net charge-offs | 62.4685% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.2746% | 3,714 |
| Efficiency ratio | 82.5095% | 2,150 |
| Assets per employee ($millions) | 4.5175% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,616 |
| Loan loss allowance to noncurrent loans | 85.1467% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8248% | 2,442 |
| Noncurrent loans to loans | 2.2580% | 3,245 |
| Net loans and leases to total assets | 72.6001% | 1,591 |
| Net loans and leases to deposits | 84.3049% | 1,979 |
| Net loans and leases to core deposits | 97.7913% | 1,545 |
| Total domestic deposits to total assets | 86.1161% | 3,454 |
| Equity capital to assets | 7.8292% | 6,654 |
| Core capital (leverage) ratio | 7.8964% | 6,367 |
| Tier 1 risk-based capital ratio | 10.4371% | 6,839 |
| Total risk-based capital ratio | 11.6751% | 6,835 |
| Memoranda: | ||
| Average total assets | $354,992,000 | 1,860 |
| Average earning assets | $333,700,500 | 1,797 |
| Average equity | $27,632,000 | 2,330 |
| Average total loans | $264,141,000 | 1,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 4,781 |
| Cost of funding earning assets | 1.6636% | 1,761 |
| Net interest margin | 3.2868% | 6,024 |
| Noninterest income to average assets | 0.2269% | 6,183 |
| Noninterest expense to average assets | 2.5517% | 5,608 |
| Loan and lease loss provision to assets | 1.8536% | 737 |
| Net operating income to assets | -1.0916% | 6,736 |
| Return on assets (ROA) | -1.0916% | 6,763 |
| Pretax return on assets | -1.0916% | 6,689 |
| Return on Equity (ROE) | -12.8422% | 6,836 |
| Retained earnings to average equity (ytd only) | -12.8422% | 6,790 |
| Net charge-offs to loans | 1.5626% | 1,399 |
| Credit loss provision to net charge-offs | 157.8909% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,460 |
| Efficiency ratio | 77.0024% | 2,872 |
| Assets per employee ($millions) | 4.4138% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 2,357 |
| Loan loss allowance to noncurrent loans | 141.9110% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 3,504 |
| Noncurrent loans to loans | 1.3949% | 4,392 |
| Net loans and leases to total assets | 73.3154% | 1,805 |
| Net loans and leases to deposits | 85.4877% | 2,183 |
| Net loans and leases to core deposits | 100.2141% | 1,597 |
| Total domestic deposits to total assets | 85.7614% | 3,469 |
| Equity capital to assets | 7.7380% | 6,723 |
| Core capital (leverage) ratio | 7.7824% | 6,454 |
| Tier 1 risk-based capital ratio | 10.3951% | 6,764 |
| Total risk-based capital ratio | 11.6533% | 6,744 |
| Memoranda: | ||
| Average total assets | $348,125,400 | 1,876 |
| Average earning assets | $326,948,600 | 1,825 |
| Average equity | $29,590,000 | 2,202 |
| Average total loans | $261,552,800 | 1,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 5,000 |
| Cost of funding earning assets | 1.7029% | 1,866 |
| Net interest margin | 3.2554% | 6,153 |
| Noninterest income to average assets | 0.2325% | 6,223 |
| Noninterest expense to average assets | 2.4826% | 5,771 |
| Loan and lease loss provision to assets | 1.5867% | 819 |
| Net operating income to assets | -0.7830% | 6,787 |
| Return on assets (ROA) | -0.7830% | 6,819 |
| Pretax return on assets | -0.7830% | 6,728 |
| Return on Equity (ROE) | -9.0060% | 6,884 |
| Retained earnings to average equity (ytd only) | -9.0060% | 6,828 |
| Net charge-offs to loans | 1.4237% | 1,431 |
| Credit loss provision to net charge-offs | 148.1694% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.7505% | 5,311 |
| Efficiency ratio | 75.5439% | 3,027 |
| Assets per employee ($millions) | 4.5296% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,608 |
| Loan loss allowance to noncurrent loans | 67.0922% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.4392% | 2,933 |
| Noncurrent loans to loans | 2.3588% | 3,284 |
| Net loans and leases to total assets | 73.9970% | 1,804 |
| Net loans and leases to deposits | 88.6951% | 1,910 |
| Net loans and leases to core deposits | 108.9348% | 1,098 |
| Total domestic deposits to total assets | 83.4285% | 4,409 |
| Equity capital to assets | 8.5926% | 6,164 |
| Core capital (leverage) ratio | 8.3195% | 5,830 |
| Tier 1 risk-based capital ratio | 10.9197% | 6,444 |
| Total risk-based capital ratio | 12.1706% | 6,424 |
| Memoranda: | ||
| Average total assets | $346,881,000 | 1,909 |
| Average earning assets | $325,400,750 | 1,853 |
| Average equity | $30,156,750 | 2,185 |
| Average total loans | $260,914,250 | 1,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 5,291 |
| Cost of funding earning assets | 1.7410% | 1,915 |
| Net interest margin | 3.1834% | 6,369 |
| Noninterest income to average assets | 0.2321% | 6,253 |
| Noninterest expense to average assets | 2.4529% | 5,903 |
| Loan and lease loss provision to assets | 2.1390% | 568 |
| Net operating income to assets | -1.3715% | 7,114 |
| Return on assets (ROA) | -1.3715% | 7,120 |
| Pretax return on assets | -1.3715% | 7,039 |
| Return on Equity (ROE) | -15.7130% | 7,164 |
| Retained earnings to average equity (ytd only) | -15.7130% | 7,126 |
| Net charge-offs to loans | 1.2223% | 1,563 |
| Credit loss provision to net charge-offs | 232.6183% | 1,657 |
| Earnings coverage of net charge-offs (x) | 0.8347% | 4,934 |
| Efficiency ratio | 76.1665% | 3,045 |
| Assets per employee ($millions) | 4.6949% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,529 |
| Loan loss allowance to noncurrent loans | 94.3547% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 3,893 |
| Noncurrent loans to loans | 1.9753% | 3,757 |
| Net loans and leases to total assets | 75.2352% | 1,641 |
| Net loans and leases to deposits | 90.5997% | 1,756 |
| Net loans and leases to core deposits | 113.5510% | 937 |
| Total domestic deposits to total assets | 83.0413% | 4,555 |
| Equity capital to assets | 8.6049% | 6,003 |
| Core capital (leverage) ratio | 8.3028% | 5,765 |
| Tier 1 risk-based capital ratio | 10.8901% | 6,359 |
| Total risk-based capital ratio | 12.1477% | 6,336 |
| Memoranda: | ||
| Average total assets | $344,739,330 | 1,938 |
| Average earning assets | $323,613,000 | 1,874 |
| Average equity | $30,089,670 | 2,185 |
| Average total loans | $259,339,000 | 1,758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 5,823 |
| Cost of funding earning assets | 1.7631% | 2,050 |
| Net interest margin | 3.0553% | 6,701 |
| Noninterest income to average assets | 0.2644% | 6,036 |
| Noninterest expense to average assets | 2.4170% | 6,026 |
| Loan and lease loss provision to assets | 0.4112% | 2,901 |
| Net operating income to assets | 0.3087% | 5,262 |
| Return on assets (ROA) | 0.3087% | 5,394 |
| Pretax return on assets | 0.3087% | 5,575 |
| Return on Equity (ROE) | 3.5114% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.5114% | 4,037 |
| Net charge-offs to loans | 0.1001% | 4,418 |
| Credit loss provision to net charge-offs | 551.5625% | 781 |
| Earnings coverage of net charge-offs (x) | 9.6563% | 1,825 |
| Efficiency ratio | 77.0516% | 3,052 |
| Assets per employee ($millions) | 4.9154% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,419 |
| Loan loss allowance to noncurrent loans | 62.6815% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 4,119 |
| Noncurrent loans to loans | 1.9409% | 3,871 |
| Net loans and leases to total assets | 73.3114% | 2,123 |
| Net loans and leases to deposits | 89.7194% | 1,940 |
| Net loans and leases to core deposits | 112.2006% | 1,148 |
| Total domestic deposits to total assets | 81.7119% | 5,191 |
| Equity capital to assets | 9.1025% | 5,127 |
| Core capital (leverage) ratio | 9.4275% | 3,882 |
| Tier 1 risk-based capital ratio | 11.8057% | 5,390 |
| Total risk-based capital ratio | 12.9769% | 5,416 |
| Memoranda: | ||
| Average total assets | $343,399,000 | 1,998 |
| Average earning assets | $322,845,000 | 1,928 |
| Average equity | $30,187,000 | 2,206 |
| Average total loans | $255,835,500 | 1,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 5,451 |
| Cost of funding earning assets | 2.2209% | 1,939 |
| Net interest margin | 3.0209% | 6,593 |
| Noninterest income to average assets | 0.2121% | 6,590 |
| Noninterest expense to average assets | 2.6579% | 5,567 |
| Loan and lease loss provision to assets | 0.2555% | 5,351 |
| Net operating income to assets | 0.1184% | 5,152 |
| Return on assets (ROA) | 0.1748% | 5,051 |
| Pretax return on assets | 0.1748% | 5,062 |
| Return on Equity (ROE) | 1.8993% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.8993% | 3,766 |
| Net charge-offs to loans | 0.3076% | 4,708 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.4634% | 4,664 |
| Efficiency ratio | 87.6685% | 1,914 |
| Assets per employee ($millions) | 4.7578% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,736 |
| Loan loss allowance to noncurrent loans | 64.0268% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5325% | 4,081 |
| Noncurrent loans to loans | 1.7691% | 3,983 |
| Net loans and leases to total assets | 73.9498% | 2,285 |
| Net loans and leases to deposits | 90.2413% | 2,181 |
| Net loans and leases to core deposits | 156.9583% | 377 |
| Total domestic deposits to total assets | 81.9467% | 4,970 |
| Equity capital to assets | 8.4685% | 5,930 |
| Core capital (leverage) ratio | 8.8469% | 4,690 |
| Tier 1 risk-based capital ratio | 11.0394% | 5,886 |
| Total risk-based capital ratio | 12.1295% | 6,004 |
| Memoranda: | ||
| Average total assets | $283,793,400 | 2,321 |
| Average earning assets | $264,889,600 | 2,283 |
| Average equity | $26,115,200 | 2,517 |
| Average total loans | $235,708,200 | 1,992 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 5,589 |
| Cost of funding earning assets | 2.3168% | 1,918 |
| Net interest margin | 2.9493% | 6,733 |
| Noninterest income to average assets | 0.1953% | 6,821 |
| Noninterest expense to average assets | 2.6845% | 5,388 |
| Loan and lease loss provision to assets | 0.1904% | 5,473 |
| Net operating income to assets | 0.0691% | 5,558 |
| Return on assets (ROA) | 0.1480% | 5,393 |
| Pretax return on assets | 0.1480% | 5,423 |
| Return on Equity (ROE) | 1.5691% | 5,310 |
| Retained earnings to average equity (ytd only) | 1.5691% | 4,436 |
| Net charge-offs to loans | 0.3727% | 3,784 |
| Credit loss provision to net charge-offs | 59.6600% | 6,180 |
| Earnings coverage of net charge-offs (x) | 0.8130% | 5,237 |
| Efficiency ratio | 91.1863% | 1,599 |
| Assets per employee ($millions) | 4.3966% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 6,004 |
| Loan loss allowance to noncurrent loans | 54.6199% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7120% | 3,810 |
| Noncurrent loans to loans | 1.9234% | 3,740 |
| Net loans and leases to total assets | 79.5984% | 1,260 |
| Net loans and leases to deposits | 93.0194% | 2,059 |
| Net loans and leases to core deposits | 156.5432% | 450 |
| Total domestic deposits to total assets | 85.5718% | 2,933 |
| Equity capital to assets | 9.4033% | 4,878 |
| Core capital (leverage) ratio | 9.6660% | 3,696 |
| Tier 1 risk-based capital ratio | 11.4205% | 5,505 |
| Total risk-based capital ratio | 12.4534% | 5,699 |
| Memoranda: | ||
| Average total assets | $270,290,250 | 2,425 |
| Average earning assets | $251,896,750 | 2,407 |
| Average equity | $25,492,250 | 2,585 |
| Average total loans | $231,468,000 | 2,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 5,606 |
| Cost of funding earning assets | 2.4059% | 1,947 |
| Net interest margin | 2.9044% | 6,797 |
| Noninterest income to average assets | 0.1738% | 7,050 |
| Noninterest expense to average assets | 2.7246% | 5,277 |
| Loan and lease loss provision to assets | 0.1590% | 5,479 |
| Net operating income to assets | -0.0116% | 5,870 |
| Return on assets (ROA) | 0.1125% | 5,628 |
| Pretax return on assets | 0.1125% | 5,649 |
| Return on Equity (ROE) | 1.1913% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.1913% | 4,683 |
| Net charge-offs to loans | 0.5723% | 2,612 |
| Credit loss provision to net charge-offs | 31.6847% | 6,013 |
| Earnings coverage of net charge-offs (x) | 0.2937% | 5,381 |
| Efficiency ratio | 94.8676% | 1,455 |
| Assets per employee ($millions) | 4.0736% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,191 |
| Loan loss allowance to noncurrent loans | 93.0411% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 4,773 |
| Noncurrent loans to loans | 1.0814% | 5,037 |
| Net loans and leases to total assets | 83.5019% | 709 |
| Net loans and leases to deposits | 96.8738% | 1,673 |
| Net loans and leases to core deposits | 166.1276% | 368 |
| Total domestic deposits to total assets | 86.1966% | 2,679 |
| Equity capital to assets | 8.4831% | 6,072 |
| Core capital (leverage) ratio | 8.8156% | 4,921 |
| Tier 1 risk-based capital ratio | 9.6598% | 7,260 |
| Total risk-based capital ratio | 10.6299% | 7,464 |
| Memoranda: | ||
| Average total assets | $257,798,670 | 2,560 |
| Average earning assets | $239,499,000 | 2,528 |
| Average equity | $24,343,000 | 2,717 |
| Average total loans | $226,098,330 | 2,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 5,787 |
| Cost of funding earning assets | 2.4480% | 2,112 |
| Net interest margin | 2.8769% | 6,810 |
| Noninterest income to average assets | 0.1622% | 7,146 |
| Noninterest expense to average assets | 2.6692% | 5,153 |
| Loan and lease loss provision to assets | 0.1409% | 5,140 |
| Net operating income to assets | 0.0557% | 6,107 |
| Return on assets (ROA) | 0.3179% | 5,398 |
| Pretax return on assets | 0.3179% | 5,629 |
| Return on Equity (ROE) | 3.1778% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.1778% | 4,105 |
| Net charge-offs to loans | 1.1476% | 1,201 |
| Credit loss provision to net charge-offs | 13.6943% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.1911% | 4,828 |
| Efficiency ratio | 93.1389% | 1,488 |
| Assets per employee ($millions) | 3.6900% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,996 |
| Loan loss allowance to noncurrent loans | 185.6000% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 5,432 |
| Noncurrent loans to loans | 0.5518% | 6,034 |
| Net loans and leases to total assets | 88.0545% | 258 |
| Net loans and leases to deposits | 106.8527% | 805 |
| Net loans and leases to core deposits | 166.6169% | 400 |
| Total domestic deposits to total assets | 82.4074% | 4,405 |
| Equity capital to assets | 9.5602% | 4,588 |
| Core capital (leverage) ratio | 9.9053% | 3,513 |
| Tier 1 risk-based capital ratio | 10.1737% | 6,744 |
| Total risk-based capital ratio | 11.1516% | 6,928 |
| Memoranda: | ||
| Average total assets | $244,121,000 | 2,719 |
| Average earning assets | $229,412,500 | 2,653 |
| Average equity | $24,419,500 | 2,717 |
| Average total loans | $218,883,000 | 2,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0810% | 5,140 |
| Cost of funding earning assets | 3.1279% | 1,425 |
| Net interest margin | 2.9531% | 7,020 |
| Noninterest income to average assets | 0.2125% | 6,920 |
| Noninterest expense to average assets | 3.2301% | 3,225 |
| Loan and lease loss provision to assets | 0.8626% | 1,731 |
| Net operating income to assets | -1.1385% | 7,317 |
| Return on assets (ROA) | -1.1385% | 7,256 |
| Pretax return on assets | -1.1385% | 7,084 |
| Return on Equity (ROE) | -9.3901% | 7,233 |
| Retained earnings to average equity (ytd only) | -9.3901% | 7,016 |
| Net charge-offs to loans | 0.1522% | 4,680 |
| Credit loss provision to net charge-offs | 641.2451% | 664 |
| Earnings coverage of net charge-offs (x) | -2.0506% | 6,710 |
| Efficiency ratio | 109.3373% | 724 |
| Assets per employee ($millions) | 3.5399% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,451 |
| Loan loss allowance to noncurrent loans | 95.0199% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 3,402 |
| Noncurrent loans to loans | 1.4258% | 3,668 |
| Net loans and leases to total assets | 89.1951% | 261 |
| Net loans and leases to deposits | 110.6045% | 796 |
| Net loans and leases to core deposits | 147.8433% | 943 |
| Total domestic deposits to total assets | 80.6433% | 4,794 |
| Equity capital to assets | 10.4856% | 3,519 |
| Core capital (leverage) ratio | 10.7831% | 2,756 |
| Tier 1 risk-based capital ratio | 10.6233% | 6,072 |
| Total risk-based capital ratio | 11.8328% | 6,024 |
| Memoranda: | ||
| Average total assets | $191,047,600 | 3,260 |
| Average earning assets | $177,372,400 | 3,220 |
| Average equity | $23,162,800 | 2,828 |
| Average total loans | $168,857,000 | 2,631 |