Home > Integrity First Bank > Performance and Condition Ratios
Integrity First 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 | 4.3865% | 3,283 |
| Cost of funding earning assets | 0.7222% | 2,932 |
| Net interest margin | 3.6643% | 3,029 |
| Noninterest income to average assets | 0.8113% | 1,268 |
| Noninterest expense to average assets | 2.6615% | 3,024 |
| Loan and lease loss provision to assets | 0.0578% | 2,504 |
| Net operating income to assets | 1.1076% | 2,436 |
| Return on assets (ROA) | 1.1083% | 2,483 |
| Pretax return on assets | 1.3913% | 2,111 |
| Return on Equity (ROE) | 10.3525% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.6697% | 2,609 |
| Net charge-offs to loans | 0.0597% | 1,440 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 34.1455% | 1,252 |
| Efficiency ratio | 64.7589% | 3,123 |
| Assets per employee ($millions) | 4.1598% | 3,682 |
| Cash dividends to net income (ytd only)* | 45.2331% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,358 |
| Loan loss allowance to noncurrent loans | 555.8719% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,124 |
| Noncurrent loans to loans | 0.1524% | 4,052 |
| Net loans and leases to total assets | 71.4778% | 2,259 |
| Net loans and leases to deposits | 82.3172% | 2,580 |
| Net loans and leases to core deposits | 84.4129% | 2,990 |
| Total domestic deposits to total assets | 86.8321% | 1,890 |
| Equity capital to assets | 11.0102% | 2,840 |
| Core capital (leverage) ratio | 9.1168% | 4,555 |
| Tier 1 risk-based capital ratio | 12.9274% | 3,910 |
| Total risk-based capital ratio | 13.8280% | 3,996 |
| Memoranda: | ||
| Average total assets | $518,649,500 | 1,391 |
| Average earning assets | $466,889,000 | 1,433 |
| Average equity | $55,523,000 | 1,437 |
| Average total loans | $368,670,500 | 1,380 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 3,119 |
| Cost of funding earning assets | 0.5516% | 3,039 |
| Net interest margin | 3.7461% | 2,873 |
| Noninterest income to average assets | 0.8887% | 1,203 |
| Noninterest expense to average assets | 2.7831% | 2,743 |
| Loan and lease loss provision to assets | 0.0605% | 2,951 |
| Net operating income to assets | 1.1181% | 2,524 |
| Return on assets (ROA) | 1.1181% | 2,522 |
| Pretax return on assets | 1.4024% | 2,130 |
| Return on Equity (ROE) | 10.4309% | 2,334 |
| Retained earnings to average equity (ytd only) | 5.5759% | 2,431 |
| Net charge-offs to loans | 0.0265% | 2,885 |
| Credit loss provision to net charge-offs | 315.7895% | 987 |
| Earnings coverage of net charge-offs (x) | 76.3158% | 888 |
| Efficiency ratio | 65.5451% | 2,943 |
| Assets per employee ($millions) | 4.2052% | 3,611 |
| Cash dividends to net income (ytd only)* | 46.5439% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,376 |
| Loan loss allowance to noncurrent loans | 392.0655% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,026 |
| Noncurrent loans to loans | 0.2155% | 3,808 |
| Net loans and leases to total assets | 69.5117% | 2,650 |
| Net loans and leases to deposits | 79.4552% | 3,011 |
| Net loans and leases to core deposits | 81.4000% | 3,318 |
| Total domestic deposits to total assets | 87.4855% | 1,546 |
| Equity capital to assets | 10.4085% | 3,274 |
| Core capital (leverage) ratio | 8.9626% | 4,684 |
| Tier 1 risk-based capital ratio | 12.8117% | 3,958 |
| Total risk-based capital ratio | 13.7146% | 4,027 |
| Memoranda: | ||
| Average total assets | $495,563,800 | 1,420 |
| Average earning assets | $444,141,000 | 1,469 |
| Average equity | $53,121,200 | 1,439 |
| Average total loans | $358,372,200 | 1,374 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,102 |
| Cost of funding earning assets | 0.5026% | 3,182 |
| Net interest margin | 3.7608% | 2,788 |
| Noninterest income to average assets | 0.8972% | 1,210 |
| Noninterest expense to average assets | 2.8385% | 2,500 |
| Loan and lease loss provision to assets | 0.0615% | 2,748 |
| Net operating income to assets | 1.0876% | 2,723 |
| Return on assets (ROA) | 1.0876% | 2,731 |
| Pretax return on assets | 1.3641% | 2,362 |
| Return on Equity (ROE) | 10.0674% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.1816% | 3,124 |
| Net charge-offs to loans | 0.0259% | 2,600 |
| Credit loss provision to net charge-offs | 326.0870% | 962 |
| Earnings coverage of net charge-offs (x) | 75.6213% | 906 |
| Efficiency ratio | 66.5684% | 2,775 |
| Assets per employee ($millions) | 3.9257% | 4,010 |
| Cash dividends to net income (ytd only)* | 48.5306% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,536 |
| Loan loss allowance to noncurrent loans | 392.3175% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 4,131 |
| Noncurrent loans to loans | 0.2105% | 3,959 |
| Net loans and leases to total assets | 73.8079% | 2,017 |
| Net loans and leases to deposits | 85.2496% | 2,447 |
| Net loans and leases to core deposits | 87.0952% | 2,911 |
| Total domestic deposits to total assets | 86.5786% | 1,925 |
| Equity capital to assets | 10.7122% | 2,925 |
| Core capital (leverage) ratio | 9.2269% | 4,485 |
| Tier 1 risk-based capital ratio | 12.4922% | 4,203 |
| Total risk-based capital ratio | 13.3765% | 4,319 |
| Memoranda: | ||
| Average total assets | $488,043,500 | 1,445 |
| Average earning assets | $436,913,750 | 1,490 |
| Average equity | $52,723,500 | 1,456 |
| Average total loans | $355,840,750 | 1,381 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,161 |
| Cost of funding earning assets | 0.4694% | 3,229 |
| Net interest margin | 3.7149% | 2,874 |
| Noninterest income to average assets | 0.8870% | 1,218 |
| Noninterest expense to average assets | 2.8861% | 2,392 |
| Loan and lease loss provision to assets | 0.0619% | 2,665 |
| Net operating income to assets | 1.0178% | 2,932 |
| Return on assets (ROA) | 1.0175% | 2,947 |
| Pretax return on assets | 1.2606% | 2,674 |
| Return on Equity (ROE) | 9.3913% | 2,855 |
| Retained earnings to average equity (ytd only) | 4.4918% | 3,348 |
| Net charge-offs to loans | 0.0302% | 2,255 |
| Credit loss provision to net charge-offs | 283.0189% | 1,051 |
| Earnings coverage of net charge-offs (x) | 60.4717% | 994 |
| Efficiency ratio | 68.5692% | 2,549 |
| Assets per employee ($millions) | 3.7920% | 4,222 |
| Cash dividends to net income (ytd only)* | 52.1704% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,597 |
| Loan loss allowance to noncurrent loans | 283.8527% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 3,906 |
| Noncurrent loans to loans | 0.2932% | 3,650 |
| Net loans and leases to total assets | 73.8061% | 1,972 |
| Net loans and leases to deposits | 85.3959% | 2,392 |
| Net loans and leases to core deposits | 86.8977% | 2,832 |
| Total domestic deposits to total assets | 86.4282% | 2,084 |
| Equity capital to assets | 10.8859% | 2,745 |
| Core capital (leverage) ratio | 9.0736% | 4,615 |
| Tier 1 risk-based capital ratio | 12.5476% | 4,152 |
| Total risk-based capital ratio | 13.4369% | 4,256 |
| Memoranda: | ||
| Average total assets | $484,534,670 | 1,455 |
| Average earning assets | $433,276,670 | 1,511 |
| Average equity | $52,495,330 | 1,462 |
| Average total loans | $350,771,670 | 1,399 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 3,306 |
| Cost of funding earning assets | 0.4427% | 3,267 |
| Net interest margin | 3.6365% | 3,044 |
| Noninterest income to average assets | 0.8891% | 1,176 |
| Noninterest expense to average assets | 2.9200% | 2,287 |
| Loan and lease loss provision to assets | 0.0620% | 2,538 |
| Net operating income to assets | 0.9345% | 3,134 |
| Return on assets (ROA) | 0.9345% | 3,154 |
| Pretax return on assets | 1.1584% | 2,943 |
| Return on Equity (ROE) | 8.6461% | 3,089 |
| Retained earnings to average equity (ytd only) | 3.7459% | 3,696 |
| Net charge-offs to loans | 0.0313% | 1,876 |
| Credit loss provision to net charge-offs | 277.7778% | 862 |
| Earnings coverage of net charge-offs (x) | 54.7037% | 895 |
| Efficiency ratio | 70.5248% | 2,412 |
| Assets per employee ($millions) | 3.7841% | 4,303 |
| Cash dividends to net income (ytd only)* | 56.6755% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,660 |
| Loan loss allowance to noncurrent loans | 1,282.6840% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,778 |
| Noncurrent loans to loans | 0.0659% | 4,680 |
| Net loans and leases to total assets | 71.8011% | 2,201 |
| Net loans and leases to deposits | 82.9985% | 2,501 |
| Net loans and leases to core deposits | 84.3853% | 2,943 |
| Total domestic deposits to total assets | 86.5089% | 2,315 |
| Equity capital to assets | 10.7847% | 2,787 |
| Core capital (leverage) ratio | 9.0389% | 4,636 |
| Tier 1 risk-based capital ratio | 12.5179% | 4,228 |
| Total risk-based capital ratio | 13.4056% | 4,357 |
| Memoranda: | ||
| Average total assets | $484,112,000 | 1,463 |
| Average earning assets | $432,828,000 | 1,517 |
| Average equity | $52,324,000 | 1,476 |
| Average total loans | $345,534,500 | 1,422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,132 |
| Cost of funding earning assets | 0.2980% | 4,164 |
| Net interest margin | 3.7819% | 2,495 |
| Noninterest income to average assets | 0.9753% | 1,079 |
| Noninterest expense to average assets | 3.0253% | 2,087 |
| Loan and lease loss provision to assets | 0.0648% | 2,923 |
| Net operating income to assets | 0.8740% | 2,841 |
| Return on assets (ROA) | 0.8827% | 2,828 |
| Pretax return on assets | 1.2536% | 2,537 |
| Return on Equity (ROE) | 7.7562% | 2,915 |
| Retained earnings to average equity (ytd only) | -3.9616% | 5,398 |
| Net charge-offs to loans | 0.0254% | 3,298 |
| Credit loss provision to net charge-offs | 357.1429% | 827 |
| Earnings coverage of net charge-offs (x) | 71.9762% | 836 |
| Efficiency ratio | 69.8469% | 2,582 |
| Assets per employee ($millions) | 3.8099% | 4,267 |
| Cash dividends to net income (ytd only)* | 151.0768% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,642 |
| Loan loss allowance to noncurrent loans | 1,190.6122% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,797 |
| Noncurrent loans to loans | 0.0720% | 4,677 |
| Net loans and leases to total assets | 69.7330% | 2,561 |
| Net loans and leases to deposits | 82.0841% | 2,710 |
| Net loans and leases to core deposits | 83.3430% | 3,123 |
| Total domestic deposits to total assets | 84.9531% | 2,850 |
| Equity capital to assets | 10.8318% | 2,803 |
| Core capital (leverage) ratio | 8.8688% | 4,793 |
| Tier 1 risk-based capital ratio | 12.4833% | 4,215 |
| Total risk-based capital ratio | 13.3643% | 4,346 |
| Memoranda: | ||
| Average total assets | $462,924,000 | 1,503 |
| Average earning assets | $410,802,600 | 1,563 |
| Average equity | $52,680,400 | 1,461 |
| Average total loans | $331,113,200 | 1,445 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,138 |
| Cost of funding earning assets | 0.2535% | 4,537 |
| Net interest margin | 3.8066% | 2,373 |
| Noninterest income to average assets | 0.9925% | 1,045 |
| Noninterest expense to average assets | 3.0783% | 1,862 |
| Loan and lease loss provision to assets | 0.0655% | 2,759 |
| Net operating income to assets | 0.8451% | 3,291 |
| Return on assets (ROA) | 0.8509% | 3,320 |
| Pretax return on assets | 1.2299% | 2,784 |
| Return on Equity (ROE) | 7.3834% | 3,456 |
| Retained earnings to average equity (ytd only) | -5.0832% | 5,546 |
| Net charge-offs to loans | 0.0191% | 3,109 |
| Credit loss provision to net charge-offs | 478.7234% | 667 |
| Earnings coverage of net charge-offs (x) | 93.9927% | 722 |
| Efficiency ratio | 70.5172% | 2,452 |
| Assets per employee ($millions) | 3.7547% | 4,366 |
| Cash dividends to net income (ytd only)* | 168.8464% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,767 |
| Loan loss allowance to noncurrent loans | 1,416.2562% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,949 |
| Noncurrent loans to loans | 0.0598% | 4,846 |
| Net loans and leases to total assets | 70.5541% | 2,478 |
| Net loans and leases to deposits | 85.1756% | 2,411 |
| Net loans and leases to core deposits | 86.4101% | 2,929 |
| Total domestic deposits to total assets | 82.8337% | 3,513 |
| Equity capital to assets | 11.0958% | 2,767 |
| Core capital (leverage) ratio | 9.2961% | 4,411 |
| Tier 1 risk-based capital ratio | 12.5522% | 4,288 |
| Total risk-based capital ratio | 13.4254% | 4,409 |
| Memoranda: | ||
| Average total assets | $457,691,500 | 1,532 |
| Average earning assets | $405,528,500 | 1,590 |
| Average equity | $52,748,000 | 1,471 |
| Average total loans | $328,810,750 | 1,461 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,178 |
| Cost of funding earning assets | 0.2031% | 4,945 |
| Net interest margin | 3.8048% | 2,271 |
| Noninterest income to average assets | 0.9820% | 1,065 |
| Noninterest expense to average assets | 3.1181% | 1,798 |
| Loan and lease loss provision to assets | 0.0665% | 2,637 |
| Net operating income to assets | 0.8187% | 3,304 |
| Return on assets (ROA) | 0.8274% | 3,315 |
| Pretax return on assets | 1.1810% | 2,848 |
| Return on Equity (ROE) | 7.0862% | 3,509 |
| Retained earnings to average equity (ytd only) | -9.2193% | 5,635 |
| Net charge-offs to loans | 0.0209% | 2,809 |
| Credit loss provision to net charge-offs | 441.1765% | 728 |
| Earnings coverage of net charge-offs (x) | 81.9706% | 751 |
| Efficiency ratio | 71.6278% | 2,411 |
| Assets per employee ($millions) | 3.5521% | 4,644 |
| Cash dividends to net income (ytd only)* | 230.1018% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,816 |
| Loan loss allowance to noncurrent loans | 1,051.3109% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,972 |
| Noncurrent loans to loans | 0.0808% | 4,811 |
| Net loans and leases to total assets | 71.5071% | 2,280 |
| Net loans and leases to deposits | 85.5153% | 2,286 |
| Net loans and leases to core deposits | 86.5043% | 2,831 |
| Total domestic deposits to total assets | 83.6191% | 3,356 |
| Equity capital to assets | 11.4702% | 2,338 |
| Core capital (leverage) ratio | 9.6324% | 3,983 |
| Tier 1 risk-based capital ratio | 12.6809% | 4,192 |
| Total risk-based capital ratio | 13.5530% | 4,312 |
| Memoranda: | ||
| Average total assets | $451,306,000 | 1,561 |
| Average earning assets | $399,862,330 | 1,612 |
| Average equity | $52,694,000 | 1,469 |
| Average total loans | $325,310,670 | 1,478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,063 |
| Cost of funding earning assets | 0.1865% | 5,098 |
| Net interest margin | 3.8059% | 2,094 |
| Noninterest income to average assets | 0.9217% | 1,181 |
| Noninterest expense to average assets | 3.1243% | 1,804 |
| Loan and lease loss provision to assets | 0.0670% | 2,468 |
| Net operating income to assets | 0.7825% | 3,294 |
| Return on assets (ROA) | 0.8003% | 3,275 |
| Pretax return on assets | 1.1281% | 2,872 |
| Return on Equity (ROE) | 6.7928% | 3,500 |
| Retained earnings to average equity (ytd only) | -20.9547% | 5,739 |
| Net charge-offs to loans | 0.0124% | 2,565 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 419 |
| Efficiency ratio | 72.7537% | 2,447 |
| Assets per employee ($millions) | 3.4731% | 4,832 |
| Cash dividends to net income (ytd only)* | 408.4821% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,878 |
| Loan loss allowance to noncurrent loans | 1,390.9548% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,127 |
| Noncurrent loans to loans | 0.0622% | 4,950 |
| Net loans and leases to total assets | 71.9088% | 2,086 |
| Net loans and leases to deposits | 83.8199% | 2,304 |
| Net loans and leases to core deposits | 84.6198% | 2,844 |
| Total domestic deposits to total assets | 85.7897% | 2,758 |
| Equity capital to assets | 11.6679% | 2,065 |
| Core capital (leverage) ratio | 9.5442% | 4,065 |
| Tier 1 risk-based capital ratio | 12.8523% | 4,167 |
| Total risk-based capital ratio | 13.7279% | 4,307 |
| Memoranda: | ||
| Average total assets | $447,847,500 | 1,576 |
| Average earning assets | $396,862,500 | 1,633 |
| Average equity | $52,761,500 | 1,466 |
| Average total loans | $322,731,500 | 1,492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,299 |
| Cost of funding earning assets | 0.1638% | 5,328 |
| Net interest margin | 3.8096% | 2,284 |
| Noninterest income to average assets | 1.0428% | 1,039 |
| Noninterest expense to average assets | 3.1686% | 1,864 |
| Loan and lease loss provision to assets | 0.0798% | 2,767 |
| Net operating income to assets | 0.8716% | 2,971 |
| Return on assets (ROA) | 0.8860% | 3,016 |
| Pretax return on assets | 1.1862% | 2,730 |
| Return on Equity (ROE) | 7.0502% | 3,441 |
| Retained earnings to average equity (ytd only) | -0.6457% | 5,400 |
| Net charge-offs to loans | 0.0439% | 3,156 |
| Credit loss provision to net charge-offs | 259.2593% | 1,114 |
| Earnings coverage of net charge-offs (x) | 40.5185% | 1,164 |
| Efficiency ratio | 71.7619% | 2,628 |
| Assets per employee ($millions) | 3.5796% | 4,643 |
| Cash dividends to net income (ytd only)* | 109.1587% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 5,027 |
| Loan loss allowance to noncurrent loans | 703.6554% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 5,001 |
| Noncurrent loans to loans | 0.1177% | 4,767 |
| Net loans and leases to total assets | 71.0105% | 2,328 |
| Net loans and leases to deposits | 83.1765% | 2,518 |
| Net loans and leases to core deposits | 83.7862% | 3,046 |
| Total domestic deposits to total assets | 85.3733% | 2,893 |
| Equity capital to assets | 11.8910% | 1,885 |
| Core capital (leverage) ratio | 10.2403% | 3,182 |
| Tier 1 risk-based capital ratio | 13.4669% | 3,789 |
| Total risk-based capital ratio | 14.3062% | 3,945 |
| Memoranda: | ||
| Average total assets | $438,718,000 | 1,546 |
| Average earning assets | $388,389,000 | 1,611 |
| Average equity | $55,132,800 | 1,392 |
| Average total loans | $307,495,400 | 1,490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 3,331 |
| Cost of funding earning assets | 0.1647% | 5,386 |
| Net interest margin | 3.8034% | 2,317 |
| Noninterest income to average assets | 1.0381% | 1,053 |
| Noninterest expense to average assets | 3.2039% | 1,763 |
| Loan and lease loss provision to assets | 0.0690% | 2,843 |
| Net operating income to assets | 0.8221% | 3,272 |
| Return on assets (ROA) | 0.8409% | 3,310 |
| Pretax return on assets | 1.1553% | 3,023 |
| Return on Equity (ROE) | 6.5989% | 3,774 |
| Retained earnings to average equity (ytd only) | -0.5776% | 5,445 |
| Net charge-offs to loans | 0.0356% | 2,916 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 48.2457% | 1,105 |
| Efficiency ratio | 72.7760% | 2,465 |
| Assets per employee ($millions) | 3.4320% | 4,866 |
| Cash dividends to net income (ytd only)* | 108.7527% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 5,136 |
| Loan loss allowance to noncurrent loans | 767.2515% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,119 |
| Noncurrent loans to loans | 0.1067% | 4,913 |
| Net loans and leases to total assets | 73.5065% | 1,949 |
| Net loans and leases to deposits | 86.7131% | 2,185 |
| Net loans and leases to core deposits | 87.4457% | 2,808 |
| Total domestic deposits to total assets | 84.7698% | 2,904 |
| Equity capital to assets | 12.8185% | 1,588 |
| Core capital (leverage) ratio | 10.3721% | 3,136 |
| Tier 1 risk-based capital ratio | 13.7184% | 3,730 |
| Total risk-based capital ratio | 14.5504% | 3,889 |
| Memoranda: | ||
| Average total assets | $434,746,000 | 1,560 |
| Average earning assets | $384,561,250 | 1,628 |
| Average equity | $55,401,750 | 1,396 |
| Average total loans | $302,991,000 | 1,511 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,622 |
| Cost of funding earning assets | 0.1629% | 5,469 |
| Net interest margin | 3.7335% | 2,574 |
| Noninterest income to average assets | 1.0121% | 1,088 |
| Noninterest expense to average assets | 3.1760% | 1,868 |
| Loan and lease loss provision to assets | 0.0689% | 2,760 |
| Net operating income to assets | 0.7657% | 3,475 |
| Return on assets (ROA) | 0.7876% | 3,519 |
| Pretax return on assets | 1.1026% | 3,189 |
| Return on Equity (ROE) | 6.1922% | 3,965 |
| Retained earnings to average equity (ytd only) | -2.2025% | 5,560 |
| Net charge-offs to loans | 0.0384% | 2,686 |
| Credit loss provision to net charge-offs | 263.1579% | 1,061 |
| Earnings coverage of net charge-offs (x) | 43.5789% | 1,093 |
| Efficiency ratio | 73.5745% | 2,422 |
| Assets per employee ($millions) | 3.3556% | 4,987 |
| Cash dividends to net income (ytd only)* | 135.5685% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 5,159 |
| Loan loss allowance to noncurrent loans | 684.5745% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 5,090 |
| Noncurrent loans to loans | 0.1227% | 4,954 |
| Net loans and leases to total assets | 70.1868% | 2,452 |
| Net loans and leases to deposits | 83.6263% | 2,509 |
| Net loans and leases to core deposits | 84.4030% | 3,043 |
| Total domestic deposits to total assets | 83.9291% | 3,294 |
| Equity capital to assets | 12.7313% | 1,645 |
| Core capital (leverage) ratio | 10.2900% | 3,211 |
| Tier 1 risk-based capital ratio | 14.1507% | 3,523 |
| Total risk-based capital ratio | 14.9984% | 3,667 |
| Memoranda: | ||
| Average total assets | $435,517,670 | 1,557 |
| Average earning assets | $385,486,000 | 1,621 |
| Average equity | $55,392,000 | 1,399 |
| Average total loans | $297,158,330 | 1,533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 3,843 |
| Cost of funding earning assets | 0.1614% | 5,535 |
| Net interest margin | 3.6677% | 2,813 |
| Noninterest income to average assets | 1.0008% | 1,075 |
| Noninterest expense to average assets | 3.1654% | 1,916 |
| Loan and lease loss provision to assets | 0.0687% | 2,579 |
| Net operating income to assets | 0.7359% | 3,559 |
| Return on assets (ROA) | 0.7573% | 3,558 |
| Pretax return on assets | 1.0411% | 3,320 |
| Return on Equity (ROE) | 5.9568% | 4,006 |
| Retained earnings to average equity (ytd only) | 1.1885% | 4,771 |
| Net charge-offs to loans | 0.0424% | 2,151 |
| Credit loss provision to net charge-offs | 241.9355% | 964 |
| Earnings coverage of net charge-offs (x) | 38.0645% | 1,042 |
| Efficiency ratio | 74.5525% | 2,394 |
| Assets per employee ($millions) | 3.4260% | 4,923 |
| Cash dividends to net income (ytd only)* | 80.0484% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 5,127 |
| Loan loss allowance to noncurrent loans | 994.9020% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 5,377 |
| Noncurrent loans to loans | 0.0883% | 5,121 |
| Net loans and leases to total assets | 64.7860% | 3,137 |
| Net loans and leases to deposits | 76.9316% | 3,114 |
| Net loans and leases to core deposits | 77.7001% | 3,522 |
| Total domestic deposits to total assets | 84.2124% | 3,444 |
| Equity capital to assets | 12.5996% | 1,620 |
| Core capital (leverage) ratio | 10.6812% | 2,754 |
| Tier 1 risk-based capital ratio | 14.6481% | 3,312 |
| Total risk-based capital ratio | 15.4943% | 3,468 |
| Memoranda: | ||
| Average total assets | $436,842,000 | 1,558 |
| Average earning assets | $386,508,000 | 1,619 |
| Average equity | $55,533,000 | 1,388 |
| Average total loans | $292,542,000 | 1,551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,509 |
| Cost of funding earning assets | 0.1409% | 5,744 |
| Net interest margin | 3.8124% | 2,330 |
| Noninterest income to average assets | 1.0047% | 1,172 |
| Noninterest expense to average assets | 3.2346% | 1,875 |
| Loan and lease loss provision to assets | 0.0295% | 3,780 |
| Net operating income to assets | 0.8163% | 3,270 |
| Return on assets (ROA) | 0.8201% | 3,328 |
| Pretax return on assets | 1.1190% | 2,967 |
| Return on Equity (ROE) | 6.2660% | 3,915 |
| Retained earnings to average equity (ytd only) | 0.4565% | 5,332 |
| Net charge-offs to loans | 0.0317% | 3,586 |
| Credit loss provision to net charge-offs | 137.3626% | 1,906 |
| Earnings coverage of net charge-offs (x) | 53.2088% | 960 |
| Efficiency ratio | 73.8849% | 2,598 |
| Assets per employee ($millions) | 3.3467% | 5,072 |
| Cash dividends to net income (ytd only)* | 92.7152% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,292 |
| Loan loss allowance to noncurrent loans | 906.5455% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 5,338 |
| Noncurrent loans to loans | 0.0928% | 5,126 |
| Net loans and leases to total assets | 68.0356% | 2,698 |
| Net loans and leases to deposits | 82.4138% | 2,537 |
| Net loans and leases to core deposits | 83.2687% | 3,025 |
| Total domestic deposits to total assets | 82.5537% | 3,997 |
| Equity capital to assets | 12.8279% | 1,446 |
| Core capital (leverage) ratio | 10.5430% | 2,887 |
| Tier 1 risk-based capital ratio | 14.6577% | 3,346 |
| Total risk-based capital ratio | 15.4924% | 3,495 |
| Memoranda: | ||
| Average total assets | $423,509,400 | 1,569 |
| Average earning assets | $374,725,200 | 1,624 |
| Average equity | $55,426,200 | 1,352 |
| Average total loans | $287,054,200 | 1,521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 3,614 |
| Cost of funding earning assets | 0.1333% | 5,896 |
| Net interest margin | 3.8007% | 2,382 |
| Noninterest income to average assets | 0.9930% | 1,202 |
| Noninterest expense to average assets | 3.2233% | 1,905 |
| Loan and lease loss provision to assets | 0.0158% | 3,957 |
| Net operating income to assets | 0.8332% | 3,264 |
| Return on assets (ROA) | 0.8339% | 3,343 |
| Pretax return on assets | 1.1190% | 3,144 |
| Return on Equity (ROE) | 6.3397% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.6210% | 5,052 |
| Net charge-offs to loans | 0.0290% | 3,356 |
| Credit loss provision to net charge-offs | 80.6452% | 2,603 |
| Earnings coverage of net charge-offs (x) | 57.8097% | 939 |
| Efficiency ratio | 73.9781% | 2,560 |
| Assets per employee ($millions) | 3.3039% | 5,122 |
| Cash dividends to net income (ytd only)* | 74.4308% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 5,431 |
| Loan loss allowance to noncurrent loans | 565.9722% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 5,333 |
| Noncurrent loans to loans | 0.1472% | 5,052 |
| Net loans and leases to total assets | 68.2628% | 2,641 |
| Net loans and leases to deposits | 88.8540% | 1,788 |
| Net loans and leases to core deposits | 89.5806% | 2,505 |
| Total domestic deposits to total assets | 76.8258% | 5,370 |
| Equity capital to assets | 13.1192% | 1,386 |
| Core capital (leverage) ratio | 10.9519% | 2,541 |
| Tier 1 risk-based capital ratio | 14.2225% | 3,717 |
| Total risk-based capital ratio | 15.0110% | 3,927 |
| Memoranda: | ||
| Average total assets | $421,455,750 | 1,587 |
| Average earning assets | $373,048,000 | 1,642 |
| Average equity | $55,437,500 | 1,356 |
| Average total loans | $284,763,000 | 1,536 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,751 |
| Cost of funding earning assets | 0.1308% | 5,983 |
| Net interest margin | 3.7535% | 2,502 |
| Noninterest income to average assets | 0.9603% | 1,280 |
| Noninterest expense to average assets | 3.1910% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8182% | 3,294 |
| Return on assets (ROA) | 0.8193% | 3,392 |
| Pretax return on assets | 1.0922% | 3,206 |
| Return on Equity (ROE) | 6.2231% | 4,029 |
| Retained earnings to average equity (ytd only) | 1.4943% | 4,951 |
| Net charge-offs to loans | 0.0078% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 208.1818% | 338 |
| Efficiency ratio | 74.5244% | 2,612 |
| Assets per employee ($millions) | 3.3091% | 5,148 |
| Cash dividends to net income (ytd only)* | 75.9884% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 5,454 |
| Loan loss allowance to noncurrent loans | 476.8031% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 5,377 |
| Noncurrent loans to loans | 0.1790% | 5,060 |
| Net loans and leases to total assets | 68.1411% | 2,619 |
| Net loans and leases to deposits | 86.5059% | 2,004 |
| Net loans and leases to core deposits | 87.1991% | 2,640 |
| Total domestic deposits to total assets | 78.7705% | 5,145 |
| Equity capital to assets | 13.2482% | 1,281 |
| Core capital (leverage) ratio | 11.0032% | 2,417 |
| Tier 1 risk-based capital ratio | 14.2712% | 3,780 |
| Total risk-based capital ratio | 15.0668% | 3,958 |
| Memoranda: | ||
| Average total assets | $419,872,330 | 1,603 |
| Average earning assets | $371,544,670 | 1,656 |
| Average equity | $55,278,330 | 1,370 |
| Average total loans | $281,889,000 | 1,549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 3,952 |
| Cost of funding earning assets | 0.1339% | 6,036 |
| Net interest margin | 3.6806% | 2,697 |
| Noninterest income to average assets | 0.9019% | 1,380 |
| Noninterest expense to average assets | 3.1424% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7735% | 3,396 |
| Return on assets (ROA) | 0.7756% | 3,527 |
| Pretax return on assets | 1.0244% | 3,409 |
| Return on Equity (ROE) | 5.9097% | 4,073 |
| Retained earnings to average equity (ytd only) | 1.1935% | 5,010 |
| Net charge-offs to loans | -0.0300% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4674% | 2,591 |
| Assets per employee ($millions) | 3.4678% | 4,952 |
| Cash dividends to net income (ytd only)* | 79.8042% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,507 |
| Loan loss allowance to noncurrent loans | 459.2593% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 5,440 |
| Noncurrent loans to loans | 0.1911% | 5,100 |
| Net loans and leases to total assets | 66.7420% | 2,644 |
| Net loans and leases to deposits | 83.3427% | 2,161 |
| Net loans and leases to core deposits | 84.0584% | 2,766 |
| Total domestic deposits to total assets | 80.0814% | 5,033 |
| Equity capital to assets | 13.2317% | 1,290 |
| Core capital (leverage) ratio | 10.7334% | 2,711 |
| Tier 1 risk-based capital ratio | 14.1948% | 3,885 |
| Total risk-based capital ratio | 15.0008% | 4,099 |
| Memoranda: | ||
| Average total assets | $421,334,500 | 1,606 |
| Average earning assets | $373,417,500 | 1,657 |
| Average equity | $55,298,500 | 1,375 |
| Average total loans | $279,554,000 | 1,559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,173 |
| Cost of funding earning assets | 0.1760% | 5,933 |
| Net interest margin | 3.7106% | 2,974 |
| Noninterest income to average assets | 0.9851% | 1,248 |
| Noninterest expense to average assets | 3.0361% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9594% | 2,585 |
| Return on assets (ROA) | 0.9643% | 2,645 |
| Pretax return on assets | 1.2393% | 2,488 |
| Return on Equity (ROE) | 7.3355% | 3,451 |
| Retained earnings to average equity (ytd only) | -0.0221% | 5,770 |
| Net charge-offs to loans | 0.0423% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 45.9279% | 990 |
| Efficiency ratio | 71.1178% | 3,352 |
| Assets per employee ($millions) | 3.4964% | 4,908 |
| Cash dividends to net income (ytd only)* | 100.3010% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 5,508 |
| Loan loss allowance to noncurrent loans | 501.0183% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 5,547 |
| Noncurrent loans to loans | 0.1775% | 5,190 |
| Net loans and leases to total assets | 64.7929% | 3,091 |
| Net loans and leases to deposits | 81.3380% | 2,562 |
| Net loans and leases to core deposits | 82.1909% | 3,085 |
| Total domestic deposits to total assets | 79.6588% | 5,106 |
| Equity capital to assets | 13.0184% | 1,364 |
| Core capital (leverage) ratio | 10.8788% | 2,522 |
| Tier 1 risk-based capital ratio | 14.8167% | 3,591 |
| Total risk-based capital ratio | 15.6548% | 3,768 |
| Memoranda: | ||
| Average total assets | $413,452,000 | 1,598 |
| Average earning assets | $365,926,000 | 1,643 |
| Average equity | $54,351,800 | 1,342 |
| Average total loans | $262,274,200 | 1,616 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 4,313 |
| Cost of funding earning assets | 0.1867% | 5,949 |
| Net interest margin | 3.6769% | 3,123 |
| Noninterest income to average assets | 0.9968% | 1,235 |
| Noninterest expense to average assets | 3.0630% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9028% | 2,903 |
| Return on assets (ROA) | 0.9092% | 2,967 |
| Pretax return on assets | 1.1943% | 2,798 |
| Return on Equity (ROE) | 6.8990% | 3,752 |
| Retained earnings to average equity (ytd only) | 0.1231% | 5,765 |
| Net charge-offs to loans | 0.0412% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 45.7017% | 1,032 |
| Efficiency ratio | 72.0895% | 3,154 |
| Assets per employee ($millions) | 3.4208% | 5,014 |
| Cash dividends to net income (ytd only)* | 98.2161% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,566 |
| Loan loss allowance to noncurrent loans | 250.8577% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 5,251 |
| Noncurrent loans to loans | 0.3635% | 4,821 |
| Net loans and leases to total assets | 66.3625% | 2,795 |
| Net loans and leases to deposits | 82.1803% | 2,400 |
| Net loans and leases to core deposits | 83.1688% | 2,975 |
| Total domestic deposits to total assets | 80.7524% | 4,900 |
| Equity capital to assets | 13.5148% | 1,175 |
| Core capital (leverage) ratio | 11.1128% | 2,385 |
| Tier 1 risk-based capital ratio | 15.1789% | 3,490 |
| Total risk-based capital ratio | 16.0466% | 3,643 |
| Memoranda: | ||
| Average total assets | $411,049,500 | 1,620 |
| Average earning assets | $363,558,250 | 1,664 |
| Average equity | $54,170,750 | 1,355 |
| Average total loans | $258,699,250 | 1,644 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,512 |
| Cost of funding earning assets | 0.1933% | 5,970 |
| Net interest margin | 3.6103% | 3,318 |
| Noninterest income to average assets | 0.9870% | 1,238 |
| Noninterest expense to average assets | 3.0492% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8678% | 2,969 |
| Return on assets (ROA) | 0.8730% | 3,033 |
| Pretax return on assets | 1.1330% | 2,959 |
| Return on Equity (ROE) | 6.6804% | 3,787 |
| Retained earnings to average equity (ytd only) | -1.1023% | 5,867 |
| Net charge-offs to loans | 0.0795% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.9901% | 1,484 |
| Efficiency ratio | 73.0282% | 3,154 |
| Assets per employee ($millions) | 3.3394% | 5,174 |
| Cash dividends to net income (ytd only)* | 116.5000% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 5,518 |
| Loan loss allowance to noncurrent loans | 300.3636% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,519 |
| Noncurrent loans to loans | 0.3200% | 5,051 |
| Net loans and leases to total assets | 62.1560% | 3,371 |
| Net loans and leases to deposits | 74.3078% | 3,286 |
| Net loans and leases to core deposits | 75.2285% | 3,710 |
| Total domestic deposits to total assets | 83.6466% | 4,056 |
| Equity capital to assets | 13.2353% | 1,254 |
| Core capital (leverage) ratio | 10.9393% | 2,481 |
| Tier 1 risk-based capital ratio | 15.5601% | 3,324 |
| Total risk-based capital ratio | 16.4495% | 3,474 |
| Memoranda: | ||
| Average total assets | $412,373,000 | 1,615 |
| Average earning assets | $364,175,330 | 1,659 |
| Average equity | $53,889,000 | 1,348 |
| Average total loans | $254,054,330 | 1,671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,587 |
| Cost of funding earning assets | 0.2061% | 5,948 |
| Net interest margin | 3.5687% | 3,398 |
| Noninterest income to average assets | 0.9671% | 1,208 |
| Noninterest expense to average assets | 3.0282% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8491% | 2,901 |
| Return on assets (ROA) | 0.8529% | 2,954 |
| Pretax return on assets | 1.0949% | 2,929 |
| Return on Equity (ROE) | 6.5683% | 3,703 |
| Retained earnings to average equity (ytd only) | -4.1378% | 6,073 |
| Net charge-offs to loans | 0.0190% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 93.8333% | 477 |
| Efficiency ratio | 73.5308% | 3,225 |
| Assets per employee ($millions) | 3.4142% | 5,121 |
| Cash dividends to net income (ytd only)* | 162.9966% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 5,440 |
| Loan loss allowance to noncurrent loans | 297.4508% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 5,595 |
| Noncurrent loans to loans | 0.3432% | 5,083 |
| Net loans and leases to total assets | 60.2510% | 3,522 |
| Net loans and leases to deposits | 71.7337% | 3,374 |
| Net loans and leases to core deposits | 72.6249% | 3,805 |
| Total domestic deposits to total assets | 83.9926% | 4,279 |
| Equity capital to assets | 12.9671% | 1,322 |
| Core capital (leverage) ratio | 10.9516% | 2,432 |
| Tier 1 risk-based capital ratio | 15.3394% | 3,527 |
| Total risk-based capital ratio | 16.2523% | 3,658 |
| Memoranda: | ||
| Average total assets | $413,189,000 | 1,627 |
| Average earning assets | $364,842,500 | 1,668 |
| Average equity | $53,652,000 | 1,352 |
| Average total loans | $252,192,500 | 1,684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,994 |
| Cost of funding earning assets | 0.2292% | 6,110 |
| Net interest margin | 3.7986% | 2,664 |
| Noninterest income to average assets | 1.0471% | 1,283 |
| Noninterest expense to average assets | 3.0545% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0530% | 2,104 |
| Return on assets (ROA) | 1.0538% | 2,177 |
| Pretax return on assets | 1.3520% | 1,958 |
| Return on Equity (ROE) | 7.8330% | 3,123 |
| Retained earnings to average equity (ytd only) | 0.3693% | 5,684 |
| Net charge-offs to loans | 0.0685% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 32.3176% | 1,113 |
| Efficiency ratio | 69.3330% | 3,950 |
| Assets per employee ($millions) | 3.5322% | 4,838 |
| Cash dividends to net income (ytd only)* | 95.2859% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 5,476 |
| Loan loss allowance to noncurrent loans | 315.9705% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 5,673 |
| Noncurrent loans to loans | 0.3219% | 5,221 |
| Net loans and leases to total assets | 60.5764% | 3,614 |
| Net loans and leases to deposits | 72.2709% | 3,490 |
| Net loans and leases to core deposits | 73.1152% | 3,932 |
| Total domestic deposits to total assets | 83.8185% | 4,233 |
| Equity capital to assets | 13.0026% | 1,271 |
| Core capital (leverage) ratio | 10.9780% | 2,412 |
| Tier 1 risk-based capital ratio | 15.5557% | 3,336 |
| Total risk-based capital ratio | 16.4741% | 3,477 |
| Memoranda: | ||
| Average total assets | $406,641,800 | 1,621 |
| Average earning assets | $359,523,000 | 1,674 |
| Average equity | $54,704,200 | 1,305 |
| Average total loans | $248,042,200 | 1,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,951 |
| Cost of funding earning assets | 0.2338% | 6,198 |
| Net interest margin | 3.8130% | 2,597 |
| Noninterest income to average assets | 1.0476% | 1,328 |
| Noninterest expense to average assets | 3.0683% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0224% | 2,288 |
| Return on assets (ROA) | 1.0229% | 2,369 |
| Pretax return on assets | 1.3518% | 2,118 |
| Return on Equity (ROE) | 7.5393% | 3,357 |
| Retained earnings to average equity (ytd only) | 1.3516% | 5,440 |
| Net charge-offs to loans | 0.0751% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.5250% | 1,248 |
| Efficiency ratio | 69.4279% | 3,848 |
| Assets per employee ($millions) | 3.2811% | 5,322 |
| Cash dividends to net income (ytd only)* | 82.0729% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,573 |
| Loan loss allowance to noncurrent loans | 247.7640% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 5,627 |
| Noncurrent loans to loans | 0.4185% | 5,148 |
| Net loans and leases to total assets | 61.5780% | 3,445 |
| Net loans and leases to deposits | 73.8409% | 3,256 |
| Net loans and leases to core deposits | 74.7365% | 3,763 |
| Total domestic deposits to total assets | 83.3928% | 4,420 |
| Equity capital to assets | 13.4700% | 1,130 |
| Core capital (leverage) ratio | 11.3818% | 2,142 |
| Tier 1 risk-based capital ratio | 15.8673% | 3,270 |
| Total risk-based capital ratio | 16.8080% | 3,402 |
| Memoranda: | ||
| Average total assets | $404,986,500 | 1,636 |
| Average earning assets | $358,130,000 | 1,686 |
| Average equity | $54,946,500 | 1,308 |
| Average total loans | $246,824,750 | 1,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 4,020 |
| Cost of funding earning assets | 0.2416% | 6,234 |
| Net interest margin | 3.7826% | 2,624 |
| Noninterest income to average assets | 1.0600% | 1,361 |
| Noninterest expense to average assets | 3.0608% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0188% | 2,250 |
| Return on assets (ROA) | 1.0196% | 2,367 |
| Pretax return on assets | 1.3447% | 2,146 |
| Return on Equity (ROE) | 7.4971% | 3,348 |
| Retained earnings to average equity (ytd only) | 0.6311% | 5,646 |
| Net charge-offs to loans | 0.0693% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.0471% | 1,101 |
| Efficiency ratio | 69.4927% | 3,926 |
| Assets per employee ($millions) | 3.2776% | 5,320 |
| Cash dividends to net income (ytd only)* | 91.5820% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,510 |
| Loan loss allowance to noncurrent loans | 257.3088% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 5,611 |
| Noncurrent loans to loans | 0.4208% | 5,208 |
| Net loans and leases to total assets | 60.7213% | 3,533 |
| Net loans and leases to deposits | 73.0313% | 3,298 |
| Net loans and leases to core deposits | 73.9182% | 3,821 |
| Total domestic deposits to total assets | 83.1442% | 4,647 |
| Equity capital to assets | 13.5214% | 1,126 |
| Core capital (leverage) ratio | 11.1631% | 2,202 |
| Tier 1 risk-based capital ratio | 16.0033% | 3,193 |
| Total risk-based capital ratio | 16.9795% | 3,294 |
| Memoranda: | ||
| Average total assets | $405,455,670 | 1,637 |
| Average earning assets | $358,488,000 | 1,693 |
| Average equity | $55,141,330 | 1,308 |
| Average total loans | $245,393,000 | 1,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 4,171 |
| Cost of funding earning assets | 0.2516% | 6,279 |
| Net interest margin | 3.7368% | 2,709 |
| Noninterest income to average assets | 1.0513% | 1,338 |
| Noninterest expense to average assets | 3.0462% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9957% | 2,240 |
| Return on assets (ROA) | 0.9964% | 2,355 |
| Pretax return on assets | 1.3090% | 2,203 |
| Return on Equity (ROE) | 7.3062% | 3,325 |
| Retained earnings to average equity (ytd only) | -1.5733% | 6,032 |
| Net charge-offs to loans | 0.0049% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 77 |
| Efficiency ratio | 69.9595% | 3,985 |
| Assets per employee ($millions) | 3.4602% | 5,067 |
| Cash dividends to net income (ytd only)* | 121.5339% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,488 |
| Loan loss allowance to noncurrent loans | 212.0370% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 5,570 |
| Noncurrent loans to loans | 0.5328% | 5,109 |
| Net loans and leases to total assets | 58.9025% | 3,626 |
| Net loans and leases to deposits | 70.8279% | 3,351 |
| Net loans and leases to core deposits | 71.4605% | 3,887 |
| Total domestic deposits to total assets | 83.1629% | 4,804 |
| Equity capital to assets | 13.5883% | 1,182 |
| Core capital (leverage) ratio | 11.1214% | 2,160 |
| Tier 1 risk-based capital ratio | 16.1029% | 3,204 |
| Total risk-based capital ratio | 17.1250% | 3,303 |
| Memoranda: | ||
| Average total assets | $408,252,000 | 1,642 |
| Average earning assets | $360,844,000 | 1,693 |
| Average equity | $55,678,500 | 1,309 |
| Average total loans | $245,359,500 | 1,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 3,645 |
| Cost of funding earning assets | 0.3492% | 6,219 |
| Net interest margin | 4.0929% | 2,029 |
| Noninterest income to average assets | 1.0761% | 1,347 |
| Noninterest expense to average assets | 3.0090% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2975% | 1,308 |
| Return on assets (ROA) | 1.3348% | 1,350 |
| Pretax return on assets | 1.7149% | 1,097 |
| Return on Equity (ROE) | 9.3357% | 2,470 |
| Retained earnings to average equity (ytd only) | 0.8768% | 5,430 |
| Net charge-offs to loans | 0.0671% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 40.9750% | 784 |
| Efficiency ratio | 64.3483% | 4,822 |
| Assets per employee ($millions) | 3.4303% | 5,147 |
| Cash dividends to net income (ytd only)* | 90.6077% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,503 |
| Loan loss allowance to noncurrent loans | 217.9873% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 5,141 |
| Noncurrent loans to loans | 0.5100% | 5,261 |
| Net loans and leases to total assets | 59.9507% | 3,611 |
| Net loans and leases to deposits | 71.7144% | 3,456 |
| Net loans and leases to core deposits | 72.3601% | 4,000 |
| Total domestic deposits to total assets | 83.5964% | 4,499 |
| Equity capital to assets | 13.6883% | 1,161 |
| Core capital (leverage) ratio | 11.3392% | 1,984 |
| Tier 1 risk-based capital ratio | 16.0771% | 3,120 |
| Total risk-based capital ratio | 17.0931% | 3,202 |
| Memoranda: | ||
| Average total assets | $393,253,800 | 1,665 |
| Average earning assets | $345,889,000 | 1,722 |
| Average equity | $56,225,200 | 1,263 |
| Average total loans | $238,333,800 | 1,726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 3,542 |
| Cost of funding earning assets | 0.3690% | 6,284 |
| Net interest margin | 4.1545% | 1,886 |
| Noninterest income to average assets | 1.0396% | 1,400 |
| Noninterest expense to average assets | 3.0194% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2428% | 1,596 |
| Return on assets (ROA) | 1.2905% | 1,610 |
| Pretax return on assets | 1.7423% | 1,177 |
| Return on Equity (ROE) | 8.9262% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.1411% | 3,990 |
| Net charge-offs to loans | 0.0779% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 35.5209% | 960 |
| Efficiency ratio | 64.2789% | 4,767 |
| Assets per employee ($millions) | 3.3151% | 5,407 |
| Cash dividends to net income (ytd only)* | 53.6075% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,412 |
| Loan loss allowance to noncurrent loans | 225.5285% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 5,305 |
| Noncurrent loans to loans | 0.5205% | 5,404 |
| Net loans and leases to total assets | 59.7029% | 3,840 |
| Net loans and leases to deposits | 72.2769% | 3,567 |
| Net loans and leases to core deposits | 72.9864% | 4,120 |
| Total domestic deposits to total assets | 82.6030% | 4,788 |
| Equity capital to assets | 14.6294% | 929 |
| Core capital (leverage) ratio | 12.0565% | 1,624 |
| Tier 1 risk-based capital ratio | 17.4097% | 2,572 |
| Total risk-based capital ratio | 18.4882% | 2,588 |
| Memoranda: | ||
| Average total assets | $389,516,250 | 1,701 |
| Average earning assets | $342,942,500 | 1,755 |
| Average equity | $56,312,500 | 1,271 |
| Average total loans | $236,049,250 | 1,755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 3,469 |
| Cost of funding earning assets | 0.3965% | 6,280 |
| Net interest margin | 4.1763% | 1,826 |
| Noninterest income to average assets | 1.0217% | 1,398 |
| Noninterest expense to average assets | 3.0296% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2369% | 1,591 |
| Return on assets (ROA) | 1.3035% | 1,584 |
| Pretax return on assets | 1.7590% | 1,115 |
| Return on Equity (ROE) | 9.0523% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.2423% | 3,787 |
| Net charge-offs to loans | 0.0644% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 42.7105% | 832 |
| Efficiency ratio | 64.4780% | 4,805 |
| Assets per employee ($millions) | 3.1948% | 5,655 |
| Cash dividends to net income (ytd only)* | 53.1361% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 5,223 |
| Loan loss allowance to noncurrent loans | 442.6584% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 5,762 |
| Noncurrent loans to loans | 0.2773% | 6,018 |
| Net loans and leases to total assets | 60.1033% | 3,801 |
| Net loans and leases to deposits | 72.7639% | 3,491 |
| Net loans and leases to core deposits | 73.4920% | 4,098 |
| Total domestic deposits to total assets | 82.6005% | 4,909 |
| Equity capital to assets | 14.7758% | 838 |
| Core capital (leverage) ratio | 11.8185% | 1,708 |
| Tier 1 risk-based capital ratio | 17.2648% | 2,563 |
| Total risk-based capital ratio | 18.3718% | 2,578 |
| Memoranda: | ||
| Average total assets | $388,962,670 | 1,703 |
| Average earning assets | $342,453,670 | 1,758 |
| Average equity | $56,007,670 | 1,270 |
| Average total loans | $235,959,670 | 1,749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 3,285 |
| Cost of funding earning assets | 0.4114% | 6,349 |
| Net interest margin | 4.2349% | 1,655 |
| Noninterest income to average assets | 0.9884% | 1,455 |
| Noninterest expense to average assets | 3.0693% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2436% | 1,622 |
| Return on assets (ROA) | 1.2436% | 1,799 |
| Pretax return on assets | 1.6500% | 1,431 |
| Return on Equity (ROE) | 8.7487% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.9075% | 4,245 |
| Net charge-offs to loans | 0.0388% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 70.2609% | 474 |
| Efficiency ratio | 65.0368% | 4,729 |
| Assets per employee ($millions) | 3.3200% | 5,514 |
| Cash dividends to net income (ytd only)* | 55.3366% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 5,205 |
| Loan loss allowance to noncurrent loans | 826.6289% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 6,135 |
| Noncurrent loans to loans | 0.1524% | 6,376 |
| Net loans and leases to total assets | 57.9063% | 4,051 |
| Net loans and leases to deposits | 69.5091% | 3,803 |
| Net loans and leases to core deposits | 70.3202% | 4,367 |
| Total domestic deposits to total assets | 83.3075% | 4,810 |
| Equity capital to assets | 14.1459% | 971 |
| Core capital (leverage) ratio | 11.6798% | 1,785 |
| Tier 1 risk-based capital ratio | 16.7685% | 2,775 |
| Total risk-based capital ratio | 17.8799% | 2,809 |
| Memoranda: | ||
| Average total assets | $391,755,000 | 1,696 |
| Average earning assets | $345,136,000 | 1,749 |
| Average equity | $55,688,000 | 1,276 |
| Average total loans | $237,296,000 | 1,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 3,449 |
| Cost of funding earning assets | 0.4965% | 6,549 |
| Net interest margin | 4.3854% | 1,429 |
| Noninterest income to average assets | 1.0739% | 1,159 |
| Noninterest expense to average assets | 2.9823% | 3,658 |
| Loan and lease loss provision to assets | 0.2001% | 4,186 |
| Net operating income to assets | 1.3088% | 1,224 |
| Return on assets (ROA) | 1.3210% | 1,291 |
| Pretax return on assets | 1.7711% | 856 |
| Return on Equity (ROE) | 9.1763% | 2,372 |
| Retained earnings to average equity (ytd only) | 0.1435% | 5,770 |
| Net charge-offs to loans | 0.1894% | 4,631 |
| Credit loss provision to net charge-offs | 170.3297% | 1,579 |
| Earnings coverage of net charge-offs (x) | 16.6396% | 1,313 |
| Efficiency ratio | 60.4048% | 5,683 |
| Assets per employee ($millions) | 3.2102% | 5,685 |
| Cash dividends to net income (ytd only)* | 98.4363% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,340 |
| Loan loss allowance to noncurrent loans | 117.0848% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 5,265 |
| Noncurrent loans to loans | 1.0338% | 4,639 |
| Net loans and leases to total assets | 61.7763% | 3,647 |
| Net loans and leases to deposits | 74.5850% | 3,404 |
| Net loans and leases to core deposits | 75.6168% | 4,035 |
| Total domestic deposits to total assets | 82.8267% | 4,823 |
| Equity capital to assets | 14.2853% | 975 |
| Core capital (leverage) ratio | 11.5122% | 1,882 |
| Tier 1 risk-based capital ratio | 16.3574% | 2,886 |
| Total risk-based capital ratio | 17.4633% | 2,916 |
| Memoranda: | ||
| Average total assets | $387,280,200 | 1,671 |
| Average earning assets | $341,180,800 | 1,744 |
| Average equity | $55,752,200 | 1,219 |
| Average total loans | $240,214,600 | 1,745 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 3,560 |
| Cost of funding earning assets | 0.5180% | 6,633 |
| Net interest margin | 4.3810% | 1,453 |
| Noninterest income to average assets | 1.0884% | 1,130 |
| Noninterest expense to average assets | 2.9840% | 3,614 |
| Loan and lease loss provision to assets | 0.1326% | 4,773 |
| Net operating income to assets | 1.3512% | 1,263 |
| Return on assets (ROA) | 1.3667% | 1,311 |
| Pretax return on assets | 1.8539% | 854 |
| Return on Equity (ROE) | 9.4758% | 2,401 |
| Retained earnings to average equity (ytd only) | 4.6818% | 3,396 |
| Net charge-offs to loans | 0.1492% | 4,576 |
| Credit loss provision to net charge-offs | 143.6567% | 2,211 |
| Earnings coverage of net charge-offs (x) | 21.2876% | 1,188 |
| Efficiency ratio | 60.2882% | 5,668 |
| Assets per employee ($millions) | 3.1729% | 5,746 |
| Cash dividends to net income (ytd only)* | 50.5923% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,745 |
| Loan loss allowance to noncurrent loans | 1,006.2500% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 6,797 |
| Noncurrent loans to loans | 0.1129% | 6,649 |
| Net loans and leases to total assets | 61.5310% | 3,834 |
| Net loans and leases to deposits | 74.5749% | 3,578 |
| Net loans and leases to core deposits | 75.7101% | 4,227 |
| Total domestic deposits to total assets | 82.5090% | 4,875 |
| Equity capital to assets | 14.8185% | 900 |
| Core capital (leverage) ratio | 12.1005% | 1,650 |
| Tier 1 risk-based capital ratio | 17.1570% | 2,582 |
| Total risk-based capital ratio | 18.1921% | 2,634 |
| Memoranda: | ||
| Average total assets | $386,991,750 | 1,686 |
| Average earning assets | $341,070,500 | 1,749 |
| Average equity | $55,818,000 | 1,218 |
| Average total loans | $239,543,250 | 1,762 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 3,703 |
| Cost of funding earning assets | 0.5450% | 6,684 |
| Net interest margin | 4.3357% | 1,549 |
| Noninterest income to average assets | 1.0916% | 1,087 |
| Noninterest expense to average assets | 3.0143% | 3,581 |
| Loan and lease loss provision to assets | 0.1189% | 4,785 |
| Net operating income to assets | 1.3265% | 1,256 |
| Return on assets (ROA) | 1.3350% | 1,304 |
| Pretax return on assets | 1.7893% | 901 |
| Return on Equity (ROE) | 9.3412% | 2,362 |
| Retained earnings to average equity (ytd only) | 4.5061% | 3,325 |
| Net charge-offs to loans | 0.0786% | 4,855 |
| Credit loss provision to net charge-offs | 244.6809% | 1,240 |
| Earnings coverage of net charge-offs (x) | 39.0426% | 755 |
| Efficiency ratio | 61.3766% | 5,674 |
| Assets per employee ($millions) | 3.0874% | 5,905 |
| Cash dividends to net income (ytd only)* | 51.7615% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,754 |
| Loan loss allowance to noncurrent loans | 421.2538% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 6,625 |
| Noncurrent loans to loans | 0.2736% | 6,376 |
| Net loans and leases to total assets | 61.7218% | 3,945 |
| Net loans and leases to deposits | 74.5534% | 3,709 |
| Net loans and leases to core deposits | 76.2622% | 4,277 |
| Total domestic deposits to total assets | 82.7887% | 4,854 |
| Equity capital to assets | 14.6823% | 897 |
| Core capital (leverage) ratio | 11.8011% | 1,723 |
| Tier 1 risk-based capital ratio | 16.9976% | 2,523 |
| Total risk-based capital ratio | 18.0464% | 2,570 |
| Memoranda: | ||
| Average total assets | $386,957,000 | 1,696 |
| Average earning assets | $340,894,670 | 1,753 |
| Average equity | $55,303,330 | 1,215 |
| Average total loans | $239,084,000 | 1,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 3,699 |
| Cost of funding earning assets | 0.5667% | 6,733 |
| Net interest margin | 4.3111% | 1,527 |
| Noninterest income to average assets | 1.0581% | 1,174 |
| Noninterest expense to average assets | 3.0107% | 3,600 |
| Loan and lease loss provision to assets | 0.1388% | 4,272 |
| Net operating income to assets | 1.2784% | 1,327 |
| Return on assets (ROA) | 1.2853% | 1,353 |
| Pretax return on assets | 1.7192% | 950 |
| Return on Equity (ROE) | 9.1158% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.2516% | 3,621 |
| Net charge-offs to loans | 0.1087% | 3,878 |
| Credit loss provision to net charge-offs | 207.6923% | 1,436 |
| Earnings coverage of net charge-offs (x) | 27.6615% | 887 |
| Efficiency ratio | 61.9551% | 5,689 |
| Assets per employee ($millions) | 3.1130% | 5,920 |
| Cash dividends to net income (ytd only)* | 53.3600% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,862 |
| Loan loss allowance to noncurrent loans | 426.1490% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,747 |
| Noncurrent loans to loans | 0.2691% | 6,451 |
| Net loans and leases to total assets | 59.5593% | 4,349 |
| Net loans and leases to deposits | 71.6042% | 4,125 |
| Net loans and leases to core deposits | 73.2951% | 4,617 |
| Total domestic deposits to total assets | 83.1785% | 4,864 |
| Equity capital to assets | 14.2025% | 947 |
| Core capital (leverage) ratio | 11.7161% | 1,727 |
| Tier 1 risk-based capital ratio | 16.6037% | 2,619 |
| Total risk-based capital ratio | 17.6187% | 2,692 |
| Memoranda: | ||
| Average total assets | $389,014,500 | 1,695 |
| Average earning assets | $343,019,500 | 1,758 |
| Average equity | $54,850,000 | 1,216 |
| Average total loans | $239,100,000 | 1,801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 3,516 |
| Cost of funding earning assets | 0.8887% | 6,208 |
| Net interest margin | 4.3299% | 1,713 |
| Noninterest income to average assets | 1.2721% | 910 |
| Noninterest expense to average assets | 3.0916% | 3,490 |
| Loan and lease loss provision to assets | 0.1733% | 5,485 |
| Net operating income to assets | 1.4161% | 914 |
| Return on assets (ROA) | 1.4495% | 923 |
| Pretax return on assets | 1.8583% | 669 |
| Return on Equity (ROE) | 9.9663% | 1,939 |
| Retained earnings to average equity (ytd only) | -3.6187% | 6,169 |
| Net charge-offs to loans | 0.2041% | 5,063 |
| Credit loss provision to net charge-offs | 141.4079% | 2,658 |
| Earnings coverage of net charge-offs (x) | 16.2257% | 1,222 |
| Efficiency ratio | 60.8541% | 5,918 |
| Assets per employee ($millions) | 3.1363% | 5,803 |
| Cash dividends to net income (ytd only)* | 136.3095% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 6,050 |
| Loan loss allowance to noncurrent loans | 510.5263% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 6,725 |
| Noncurrent loans to loans | 0.2105% | 6,648 |
| Net loans and leases to total assets | 62.0029% | 4,284 |
| Net loans and leases to deposits | 75.3889% | 3,939 |
| Net loans and leases to core deposits | 77.1253% | 4,579 |
| Total domestic deposits to total assets | 82.2441% | 5,108 |
| Equity capital to assets | 13.9969% | 1,040 |
| Core capital (leverage) ratio | 11.3557% | 1,923 |
| Tier 1 risk-based capital ratio | 16.0098% | 2,747 |
| Total risk-based capital ratio | 16.9758% | 2,843 |
| Memoranda: | ||
| Average total assets | $394,066,000 | 1,672 |
| Average earning assets | $346,587,600 | 1,726 |
| Average equity | $57,313,400 | 1,157 |
| Average total loans | $236,702,800 | 1,849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 3,746 |
| Cost of funding earning assets | 0.9492% | 6,179 |
| Net interest margin | 4.2697% | 1,954 |
| Noninterest income to average assets | 1.3284% | 772 |
| Noninterest expense to average assets | 3.0891% | 3,382 |
| Loan and lease loss provision to assets | 0.1534% | 5,505 |
| Net operating income to assets | 1.4550% | 1,012 |
| Return on assets (ROA) | 1.4896% | 1,024 |
| Pretax return on assets | 1.8825% | 795 |
| Return on Equity (ROE) | 10.1480% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.5208% | 2,633 |
| Net charge-offs to loans | 0.2015% | 4,733 |
| Credit loss provision to net charge-offs | 128.1690% | 3,171 |
| Earnings coverage of net charge-offs (x) | 16.6395% | 1,375 |
| Efficiency ratio | 60.7951% | 5,825 |
| Assets per employee ($millions) | 3.1280% | 5,859 |
| Cash dividends to net income (ytd only)* | 45.5966% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,176 |
| Loan loss allowance to noncurrent loans | 104.4776% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 5,759 |
| Noncurrent loans to loans | 1.0029% | 5,230 |
| Net loans and leases to total assets | 60.8642% | 4,744 |
| Net loans and leases to deposits | 73.7928% | 4,552 |
| Net loans and leases to core deposits | 75.8168% | 5,080 |
| Total domestic deposits to total assets | 82.4798% | 4,808 |
| Equity capital to assets | 15.4419% | 782 |
| Core capital (leverage) ratio | 12.3849% | 1,464 |
| Tier 1 risk-based capital ratio | 17.9405% | 2,035 |
| Total risk-based capital ratio | 18.8848% | 2,102 |
| Memoranda: | ||
| Average total assets | $395,357,250 | 1,693 |
| Average earning assets | $347,495,750 | 1,746 |
| Average equity | $58,033,250 | 1,148 |
| Average total loans | $234,941,250 | 1,882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 3,976 |
| Cost of funding earning assets | 0.9914% | 6,185 |
| Net interest margin | 4.2059% | 2,141 |
| Noninterest income to average assets | 1.0781% | 1,151 |
| Noninterest expense to average assets | 3.1088% | 3,279 |
| Loan and lease loss provision to assets | 0.1714% | 5,151 |
| Net operating income to assets | 1.1648% | 1,660 |
| Return on assets (ROA) | 1.2132% | 1,592 |
| Pretax return on assets | 1.5569% | 1,415 |
| Return on Equity (ROE) | 8.4084% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.7344% | 3,725 |
| Net charge-offs to loans | 0.2660% | 4,010 |
| Credit loss provision to net charge-offs | 109.6774% | 3,716 |
| Earnings coverage of net charge-offs (x) | 10.6645% | 1,860 |
| Efficiency ratio | 65.1045% | 5,132 |
| Assets per employee ($millions) | 3.1390% | 5,819 |
| Cash dividends to net income (ytd only)* | 55.5879% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 6,253 |
| Loan loss allowance to noncurrent loans | 123.9372% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 6,070 |
| Noncurrent loans to loans | 0.8341% | 5,616 |
| Net loans and leases to total assets | 58.8129% | 5,282 |
| Net loans and leases to deposits | 70.5103% | 5,204 |
| Net loans and leases to core deposits | 72.5261% | 5,620 |
| Total domestic deposits to total assets | 83.4103% | 4,387 |
| Equity capital to assets | 14.6347% | 966 |
| Core capital (leverage) ratio | 12.0127% | 1,634 |
| Tier 1 risk-based capital ratio | 17.8512% | 1,997 |
| Total risk-based capital ratio | 18.7904% | 2,055 |
| Memoranda: | ||
| Average total assets | $396,811,330 | 1,698 |
| Average earning assets | $348,795,000 | 1,752 |
| Average equity | $57,252,000 | 1,154 |
| Average total loans | $233,089,670 | 1,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 4,209 |
| Cost of funding earning assets | 1.0131% | 6,314 |
| Net interest margin | 4.1547% | 2,206 |
| Noninterest income to average assets | 1.1539% | 932 |
| Noninterest expense to average assets | 3.0877% | 3,319 |
| Loan and lease loss provision to assets | 0.2526% | 4,023 |
| Net operating income to assets | 1.1342% | 1,731 |
| Return on assets (ROA) | 1.2104% | 1,586 |
| Pretax return on assets | 1.5631% | 1,356 |
| Return on Equity (ROE) | 8.4505% | 2,684 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,920 |
| Net charge-offs to loans | 0.3599% | 2,975 |
| Credit loss provision to net charge-offs | 120.1923% | 2,898 |
| Earnings coverage of net charge-offs (x) | 8.1683% | 1,984 |
| Efficiency ratio | 64.2692% | 5,444 |
| Assets per employee ($millions) | 3.0333% | 6,138 |
| Cash dividends to net income (ytd only)* | 55.9265% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 6,129 |
| Loan loss allowance to noncurrent loans | 89.8212% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,591 |
| Noncurrent loans to loans | 1.1956% | 4,972 |
| Net loans and leases to total assets | 57.0736% | 5,591 |
| Net loans and leases to deposits | 68.3950% | 5,544 |
| Net loans and leases to core deposits | 70.7882% | 5,847 |
| Total domestic deposits to total assets | 83.4470% | 4,413 |
| Equity capital to assets | 14.4650% | 1,017 |
| Core capital (leverage) ratio | 12.0643% | 1,620 |
| Tier 1 risk-based capital ratio | 17.8529% | 1,986 |
| Total risk-based capital ratio | 18.8083% | 2,032 |
| Memoranda: | ||
| Average total assets | $395,889,000 | 1,741 |
| Average earning assets | $347,851,000 | 1,796 |
| Average equity | $56,707,000 | 1,171 |
| Average total loans | $231,179,500 | 1,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 3,911 |
| Cost of funding earning assets | 1.2192% | 6,591 |
| Net interest margin | 4.3237% | 1,649 |
| Noninterest income to average assets | 1.0636% | 1,358 |
| Noninterest expense to average assets | 3.0590% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2818% | 1,068 |
| Return on assets (ROA) | 1.3569% | 977 |
| Pretax return on assets | 1.8264% | 600 |
| Return on Equity (ROE) | 9.4180% | 1,881 |
| Retained earnings to average equity (ytd only) | 3.3637% | 2,815 |
| Net charge-offs to loans | 0.1763% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.9693% | 1,220 |
| Efficiency ratio | 63.9422% | 5,788 |
| Assets per employee ($millions) | 2.9656% | 6,306 |
| Cash dividends to net income (ytd only)* | 64.2843% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 6,186 |
| Loan loss allowance to noncurrent loans | 97.7374% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 5,642 |
| Noncurrent loans to loans | 1.0617% | 5,199 |
| Net loans and leases to total assets | 58.4888% | 5,585 |
| Net loans and leases to deposits | 69.9608% | 5,606 |
| Net loans and leases to core deposits | 80.5767% | 6,030 |
| Total domestic deposits to total assets | 83.6022% | 4,233 |
| Equity capital to assets | 14.1819% | 1,113 |
| Core capital (leverage) ratio | 11.6761% | 1,828 |
| Tier 1 risk-based capital ratio | 17.6260% | 1,988 |
| Total risk-based capital ratio | 18.5636% | 2,039 |
| Memoranda: | ||
| Average total assets | $384,640,600 | 1,777 |
| Average earning assets | $330,968,000 | 1,876 |
| Average equity | $55,415,000 | 1,185 |
| Average total loans | $221,801,200 | 2,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5693% | 4,037 |
| Cost of funding earning assets | 1.2479% | 6,733 |
| Net interest margin | 4.3214% | 1,672 |
| Noninterest income to average assets | 1.0483% | 1,447 |
| Noninterest expense to average assets | 3.0713% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2649% | 1,303 |
| Return on assets (ROA) | 1.2670% | 1,368 |
| Pretax return on assets | 1.6787% | 1,016 |
| Return on Equity (ROE) | 8.7593% | 2,353 |
| Retained earnings to average equity (ytd only) | 4.7920% | 2,610 |
| Net charge-offs to loans | 0.1662% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 17.5971% | 1,395 |
| Efficiency ratio | 64.6972% | 5,617 |
| Assets per employee ($millions) | 2.9038% | 6,397 |
| Cash dividends to net income (ytd only)* | 45.2918% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,591 |
| Loan loss allowance to noncurrent loans | 293.7428% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,860 |
| Noncurrent loans to loans | 0.3819% | 6,582 |
| Net loans and leases to total assets | 57.0003% | 6,031 |
| Net loans and leases to deposits | 68.3366% | 6,104 |
| Net loans and leases to core deposits | 80.0314% | 6,347 |
| Total domestic deposits to total assets | 83.4112% | 4,015 |
| Equity capital to assets | 14.4851% | 1,148 |
| Core capital (leverage) ratio | 11.9572% | 1,822 |
| Tier 1 risk-based capital ratio | 18.1026% | 1,951 |
| Total risk-based capital ratio | 19.1090% | 1,978 |
| Memoranda: | ||
| Average total assets | $382,196,000 | 1,800 |
| Average earning assets | $327,142,000 | 1,915 |
| Average equity | $55,284,750 | 1,203 |
| Average total loans | $218,974,000 | 2,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 4,080 |
| Cost of funding earning assets | 1.2632% | 6,914 |
| Net interest margin | 4.3359% | 1,558 |
| Noninterest income to average assets | 1.0366% | 1,479 |
| Noninterest expense to average assets | 3.1247% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2034% | 1,464 |
| Return on assets (ROA) | 1.2066% | 1,545 |
| Pretax return on assets | 1.5866% | 1,237 |
| Return on Equity (ROE) | 8.3454% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.2749% | 2,923 |
| Net charge-offs to loans | 0.0295% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 93.6875% | 408 |
| Efficiency ratio | 66.3826% | 5,483 |
| Assets per employee ($millions) | 2.9052% | 6,376 |
| Cash dividends to net income (ytd only)* | 48.7752% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,530 |
| Loan loss allowance to noncurrent loans | 261.8285% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,612 |
| Noncurrent loans to loans | 0.4815% | 6,322 |
| Net loans and leases to total assets | 55.0657% | 6,330 |
| Net loans and leases to deposits | 65.5330% | 6,435 |
| Net loans and leases to core deposits | 75.6172% | 6,702 |
| Total domestic deposits to total assets | 84.0274% | 3,752 |
| Equity capital to assets | 13.9681% | 1,320 |
| Core capital (leverage) ratio | 11.7368% | 1,959 |
| Tier 1 risk-based capital ratio | 18.2242% | 1,950 |
| Total risk-based capital ratio | 19.3546% | 1,932 |
| Memoranda: | ||
| Average total assets | $378,922,330 | 1,833 |
| Average earning assets | $320,762,000 | 1,979 |
| Average equity | $54,785,000 | 1,226 |
| Average total loans | $216,636,670 | 2,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5873% | 4,438 |
| Cost of funding earning assets | 1.2497% | 7,174 |
| Net interest margin | 4.3376% | 1,491 |
| Noninterest income to average assets | 1.0344% | 1,389 |
| Noninterest expense to average assets | 3.0742% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2232% | 1,587 |
| Return on assets (ROA) | 1.2232% | 1,692 |
| Pretax return on assets | 1.6331% | 1,326 |
| Return on Equity (ROE) | 8.3102% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,592 |
| Net charge-offs to loans | 0.0279% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 100.9333% | 429 |
| Efficiency ratio | 65.3071% | 5,447 |
| Assets per employee ($millions) | 2.9092% | 6,395 |
| Cash dividends to net income (ytd only)* | 49.7354% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,009 |
| Loan loss allowance to noncurrent loans | 366.1861% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 6,694 |
| Noncurrent loans to loans | 0.3583% | 6,533 |
| Net loans and leases to total assets | 54.3148% | 6,431 |
| Net loans and leases to deposits | 64.6966% | 6,492 |
| Net loans and leases to core deposits | 75.3542% | 6,723 |
| Total domestic deposits to total assets | 83.9531% | 3,734 |
| Equity capital to assets | 14.1820% | 1,314 |
| Core capital (leverage) ratio | 12.2887% | 1,767 |
| Tier 1 risk-based capital ratio | 18.5076% | 1,934 |
| Total risk-based capital ratio | 19.6778% | 1,911 |
| Memoranda: | ||
| Average total assets | $370,833,000 | 1,878 |
| Average earning assets | $313,996,500 | 2,040 |
| Average equity | $54,583,500 | 1,242 |
| Average total loans | $214,783,500 | 2,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0070% | 5,514 |
| Cost of funding earning assets | 1.6820% | 7,300 |
| Net interest margin | 4.3250% | 1,902 |
| Noninterest income to average assets | 1.2383% | 971 |
| Noninterest expense to average assets | 3.1877% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3093% | 1,461 |
| Return on assets (ROA) | 1.4538% | 1,069 |
| Pretax return on assets | 2.0228% | 569 |
| Return on Equity (ROE) | 9.6403% | 2,381 |
| Retained earnings to average equity (ytd only) | 0.7714% | 4,764 |
| Net charge-offs to loans | 0.0982% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 32.7228% | 1,101 |
| Efficiency ratio | 63.6294% | 5,639 |
| Assets per employee ($millions) | 2.6473% | 6,895 |
| Cash dividends to net income (ytd only)* | 91.9985% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 3,806 |
| Loan loss allowance to noncurrent loans | 348.0793% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 6,368 |
| Noncurrent loans to loans | 0.3726% | 6,237 |
| Net loans and leases to total assets | 60.2712% | 5,873 |
| Net loans and leases to deposits | 73.2522% | 5,925 |
| Net loans and leases to core deposits | 82.5394% | 6,410 |
| Total domestic deposits to total assets | 82.2790% | 4,089 |
| Equity capital to assets | 15.3051% | 1,088 |
| Core capital (leverage) ratio | 12.5293% | 1,741 |
| Tier 1 risk-based capital ratio | 18.5272% | 1,912 |
| Total risk-based capital ratio | 19.7204% | 1,871 |
| Memoranda: | ||
| Average total assets | $362,768,200 | 1,848 |
| Average earning assets | $316,345,400 | 1,927 |
| Average equity | $54,707,600 | 1,230 |
| Average total loans | $205,729,400 | 2,244 |