Home > Layton State Bank > Performance and Condition Ratios
Layton State Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,138 |
| Cost of funding earning assets | 0.3669% | 3,365 |
| Net interest margin | 3.9418% | 1,847 |
| Noninterest income to average assets | 0.4523% | 3,544 |
| Noninterest expense to average assets | 4.0400% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1587% | 5,783 |
| Return on assets (ROA) | -0.1587% | 5,798 |
| Pretax return on assets | -0.2587% | 5,807 |
| Return on Equity (ROE) | -1.5365% | 5,802 |
| Retained earnings to average equity (ytd only) | -6.7460% | 5,787 |
| Net charge-offs to loans | 0.0425% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -8.2061% | 3,916 |
| Efficiency ratio | 106.8430% | 145 |
| Assets per employee ($millions) | 3.7706% | 4,360 |
| Cash dividends to net income (ytd only)* | -339.0424% | 5,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,564 |
| Loan loss allowance to noncurrent loans | 1,950.9804% | 338 |
| Noncurrent assets plus other real estate owned to assets | 2.2278% | 652 |
| Noncurrent loans to loans | 0.0587% | 5,123 |
| Net loans and leases to total assets | 71.1509% | 2,327 |
| Net loans and leases to deposits | 79.8322% | 2,988 |
| Net loans and leases to core deposits | 82.0667% | 3,277 |
| Total domestic deposits to total assets | 89.1256% | 836 |
| Equity capital to assets | 10.2056% | 3,907 |
| Core capital (leverage) ratio | 9.0296% | 4,801 |
| Tier 1 risk-based capital ratio | 11.5002% | 5,085 |
| Total risk-based capital ratio | 12.5521% | 5,106 |
| Memoranda: | ||
| Average total assets | $122,636,250 | 3,973 |
| Average earning assets | $103,572,000 | 4,153 |
| Average equity | $12,669,000 | 4,180 |
| Average total loans | $90,941,250 | 3,575 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,043 |
| Cost of funding earning assets | 0.3590% | 3,466 |
| Net interest margin | 3.9742% | 1,727 |
| Noninterest income to average assets | 0.4477% | 3,540 |
| Noninterest expense to average assets | 3.9288% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0665% | 5,800 |
| Return on assets (ROA) | -0.0665% | 5,820 |
| Pretax return on assets | -0.1054% | 5,830 |
| Return on Equity (ROE) | -0.6413% | 5,822 |
| Retained earnings to average equity (ytd only) | -6.8975% | 5,815 |
| Net charge-offs to loans | 0.0628% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -2.2414% | 3,606 |
| Efficiency ratio | 102.7577% | 207 |
| Assets per employee ($millions) | 3.6166% | 4,572 |
| Cash dividends to net income (ytd only)* | -975.6098% | 6,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,968 |
| Loan loss allowance to noncurrent loans | 1,658.3333% | 370 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 706 |
| Noncurrent loans to loans | 0.0661% | 5,187 |
| Net loans and leases to total assets | 73.0373% | 2,006 |
| Net loans and leases to deposits | 83.4799% | 2,532 |
| Net loans and leases to core deposits | 85.8844% | 2,911 |
| Total domestic deposits to total assets | 87.4909% | 1,670 |
| Equity capital to assets | 10.1955% | 3,983 |
| Core capital (leverage) ratio | 9.0522% | 4,769 |
| Tier 1 risk-based capital ratio | 11.2590% | 5,291 |
| Total risk-based capital ratio | 12.2724% | 5,330 |
| Memoranda: | ||
| Average total assets | $123,295,330 | 3,991 |
| Average earning assets | $104,726,330 | 4,155 |
| Average equity | $12,787,330 | 4,180 |
| Average total loans | $92,306,670 | 3,560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,340 |
| Cost of funding earning assets | 0.3490% | 3,608 |
| Net interest margin | 3.8881% | 1,970 |
| Noninterest income to average assets | 0.4827% | 3,240 |
| Noninterest expense to average assets | 3.9883% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1102% | 5,851 |
| Return on assets (ROA) | -0.1102% | 5,868 |
| Pretax return on assets | -0.1847% | 5,891 |
| Return on Equity (ROE) | -1.0532% | 5,875 |
| Retained earnings to average equity (ytd only) | -1.0532% | 5,283 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8552% | 205 |
| Assets per employee ($millions) | 3.6287% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,081 |
| Loan loss allowance to noncurrent loans | 476.2791% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 751 |
| Noncurrent loans to loans | 0.2300% | 4,606 |
| Net loans and leases to total assets | 74.9457% | 1,562 |
| Net loans and leases to deposits | 85.7889% | 2,082 |
| Net loans and leases to core deposits | 88.0192% | 2,561 |
| Total domestic deposits to total assets | 87.3606% | 2,024 |
| Equity capital to assets | 10.4696% | 3,536 |
| Core capital (leverage) ratio | 9.5318% | 4,131 |
| Tier 1 risk-based capital ratio | 11.6969% | 5,107 |
| Total risk-based capital ratio | 12.7419% | 5,143 |
| Memoranda: | ||
| Average total assets | $123,460,000 | 4,016 |
| Average earning assets | $105,449,500 | 4,174 |
| Average equity | $12,912,500 | 4,176 |
| Average total loans | $93,057,000 | 3,555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,445 |
| Cost of funding earning assets | 0.3494% | 3,705 |
| Net interest margin | 3.8842% | 2,082 |
| Noninterest income to average assets | 1.0793% | 1,010 |
| Noninterest expense to average assets | 4.1693% | 556 |
| Loan and lease loss provision to assets | 0.0395% | 3,545 |
| Net operating income to assets | 0.1352% | 5,705 |
| Return on assets (ROA) | 0.1352% | 5,754 |
| Pretax return on assets | 0.2372% | 5,636 |
| Return on Equity (ROE) | 1.3075% | 5,719 |
| Retained earnings to average equity (ytd only) | -0.4129% | 5,576 |
| Net charge-offs to loans | 0.1532% | 1,843 |
| Credit loss provision to net charge-offs | 35.2113% | 3,589 |
| Earnings coverage of net charge-offs (x) | 2.4648% | 3,902 |
| Efficiency ratio | 93.7756% | 495 |
| Assets per employee ($millions) | 3.5298% | 4,775 |
| Cash dividends to net income (ytd only)* | 131.5789% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 4,023 |
| Loan loss allowance to noncurrent loans | 316.0494% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 2.2818% | 721 |
| Noncurrent loans to loans | 0.3498% | 4,215 |
| Net loans and leases to total assets | 74.1444% | 1,702 |
| Net loans and leases to deposits | 83.3691% | 2,440 |
| Net loans and leases to core deposits | 85.4934% | 2,828 |
| Total domestic deposits to total assets | 88.9351% | 1,147 |
| Equity capital to assets | 10.4481% | 3,427 |
| Core capital (leverage) ratio | 9.1495% | 4,686 |
| Tier 1 risk-based capital ratio | 11.3616% | 5,337 |
| Total risk-based capital ratio | 12.3737% | 5,359 |
| Memoranda: | ||
| Average total assets | $126,472,600 | 3,955 |
| Average earning assets | $109,623,600 | 4,071 |
| Average equity | $13,078,000 | 4,129 |
| Average total loans | $92,699,600 | 3,530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,473 |
| Cost of funding earning assets | 0.3492% | 3,762 |
| Net interest margin | 3.8830% | 2,089 |
| Noninterest income to average assets | 1.2827% | 726 |
| Noninterest expense to average assets | 4.3375% | 465 |
| Loan and lease loss provision to assets | 0.0524% | 3,147 |
| Net operating income to assets | 0.1561% | 5,760 |
| Return on assets (ROA) | 0.1561% | 5,813 |
| Pretax return on assets | 0.2725% | 5,687 |
| Return on Equity (ROE) | 1.5113% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.5113% | 5,111 |
| Net charge-offs to loans | 0.1150% | 1,977 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 3.8751% | 3,443 |
| Efficiency ratio | 93.0321% | 523 |
| Assets per employee ($millions) | 3.8668% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,774 |
| Loan loss allowance to noncurrent loans | 284.7769% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 829 |
| Noncurrent loans to loans | 0.4138% | 4,124 |
| Net loans and leases to total assets | 71.3097% | 2,175 |
| Net loans and leases to deposits | 80.0553% | 2,879 |
| Net loans and leases to core deposits | 82.0231% | 3,246 |
| Total domestic deposits to total assets | 89.0756% | 995 |
| Equity capital to assets | 10.3241% | 3,783 |
| Core capital (leverage) ratio | 9.3085% | 4,575 |
| Tier 1 risk-based capital ratio | 11.4490% | 5,406 |
| Total risk-based capital ratio | 12.5109% | 5,412 |
| Memoranda: | ||
| Average total assets | $127,229,000 | 3,990 |
| Average earning assets | $110,736,250 | 4,106 |
| Average equity | $13,144,750 | 4,154 |
| Average total loans | $92,718,250 | 3,562 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,169 |
| Cost of funding earning assets | 0.3482% | 3,826 |
| Net interest margin | 3.9511% | 1,801 |
| Noninterest income to average assets | 1.3183% | 704 |
| Noninterest expense to average assets | 4.4157% | 453 |
| Loan and lease loss provision to assets | 0.0787% | 2,542 |
| Net operating income to assets | 0.1746% | 5,750 |
| Return on assets (ROA) | 0.1746% | 5,815 |
| Pretax return on assets | 0.3052% | 5,652 |
| Return on Equity (ROE) | 1.6860% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.6860% | 4,852 |
| Net charge-offs to loans | 0.1743% | 1,417 |
| Credit loss provision to net charge-offs | 61.7284% | 2,574 |
| Earnings coverage of net charge-offs (x) | 3.0123% | 3,257 |
| Efficiency ratio | 92.0026% | 639 |
| Assets per employee ($millions) | 3.7594% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,783 |
| Loan loss allowance to noncurrent loans | 508.9202% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 2.3651% | 838 |
| Noncurrent loans to loans | 0.2360% | 4,822 |
| Net loans and leases to total assets | 69.7656% | 2,353 |
| Net loans and leases to deposits | 80.3715% | 2,736 |
| Net loans and leases to core deposits | 82.0653% | 3,164 |
| Total domestic deposits to total assets | 86.8039% | 2,266 |
| Equity capital to assets | 10.3374% | 3,640 |
| Core capital (leverage) ratio | 9.3999% | 4,417 |
| Tier 1 risk-based capital ratio | 11.8208% | 5,266 |
| Total risk-based capital ratio | 12.9109% | 5,279 |
| Memoranda: | ||
| Average total assets | $127,136,330 | 4,015 |
| Average earning assets | $112,018,670 | 4,117 |
| Average equity | $13,167,330 | 4,173 |
| Average total loans | $92,931,330 | 3,581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,007 |
| Cost of funding earning assets | 0.3574% | 3,783 |
| Net interest margin | 3.9708% | 1,652 |
| Noninterest income to average assets | 1.2713% | 711 |
| Noninterest expense to average assets | 4.6248% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0662% | 5,935 |
| Return on assets (ROA) | 0.0662% | 5,985 |
| Pretax return on assets | 0.1167% | 5,931 |
| Return on Equity (ROE) | 0.6391% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.6391% | 5,186 |
| Net charge-offs to loans | 0.0509% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 2,658 |
| Efficiency ratio | 97.5383% | 448 |
| Assets per employee ($millions) | 3.6365% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,248 |
| Loan loss allowance to noncurrent loans | 346.8553% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 2.5299% | 848 |
| Noncurrent loans to loans | 0.3324% | 4,600 |
| Net loans and leases to total assets | 74.2903% | 1,456 |
| Net loans and leases to deposits | 84.8043% | 1,979 |
| Net loans and leases to core deposits | 86.5002% | 2,498 |
| Total domestic deposits to total assets | 87.6020% | 2,041 |
| Equity capital to assets | 10.3638% | 3,697 |
| Core capital (leverage) ratio | 9.8595% | 3,810 |
| Tier 1 risk-based capital ratio | 12.1614% | 5,138 |
| Total risk-based capital ratio | 13.2400% | 5,141 |
| Memoranda: | ||
| Average total assets | $126,795,500 | 4,049 |
| Average earning assets | $110,809,000 | 4,161 |
| Average equity | $13,144,500 | 4,212 |
| Average total loans | $94,268,500 | 3,555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,907 |
| Cost of funding earning assets | 0.4249% | 3,434 |
| Net interest margin | 3.7894% | 2,664 |
| Noninterest income to average assets | 0.1920% | 5,706 |
| Noninterest expense to average assets | 4.1197% | 670 |
| Loan and lease loss provision to assets | 0.2364% | 1,009 |
| Net operating income to assets | -0.5819% | 6,318 |
| Return on assets (ROA) | -0.5819% | 6,317 |
| Pretax return on assets | -1.0117% | 6,374 |
| Return on Equity (ROE) | -5.9822% | 6,311 |
| Retained earnings to average equity (ytd only) | -5.9822% | 6,219 |
| Net charge-offs to loans | 0.7610% | 472 |
| Credit loss provision to net charge-offs | 47.8645% | 3,530 |
| Earnings coverage of net charge-offs (x) | -1.5700% | 4,820 |
| Efficiency ratio | 123.1840% | 110 |
| Assets per employee ($millions) | 3.7151% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,991 |
| Loan loss allowance to noncurrent loans | 100.2698% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 3.7526% | 473 |
| Noncurrent loans to loans | 1.1973% | 2,454 |
| Net loans and leases to total assets | 72.6479% | 1,807 |
| Net loans and leases to deposits | 82.3696% | 2,427 |
| Net loans and leases to core deposits | 84.4077% | 2,852 |
| Total domestic deposits to total assets | 88.1975% | 1,664 |
| Equity capital to assets | 10.3696% | 3,645 |
| Core capital (leverage) ratio | 9.1087% | 4,813 |
| Tier 1 risk-based capital ratio | 11.6532% | 5,575 |
| Total risk-based capital ratio | 12.7307% | 5,593 |
| Memoranda: | ||
| Average total assets | $137,486,200 | 3,850 |
| Average earning assets | $114,373,000 | 4,086 |
| Average equity | $13,373,000 | 4,124 |
| Average total loans | $89,227,400 | 3,648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,115 |
| Cost of funding earning assets | 0.4265% | 3,506 |
| Net interest margin | 3.7375% | 2,864 |
| Noninterest income to average assets | 0.1625% | 5,943 |
| Noninterest expense to average assets | 4.1012% | 685 |
| Loan and lease loss provision to assets | 0.3089% | 621 |
| Net operating income to assets | -0.7014% | 6,420 |
| Return on assets (ROA) | -0.7014% | 6,416 |
| Pretax return on assets | -1.1577% | 6,467 |
| Return on Equity (ROE) | -7.3203% | 6,412 |
| Retained earnings to average equity (ytd only) | -7.3203% | 6,331 |
| Net charge-offs to loans | 0.9964% | 307 |
| Credit loss provision to net charge-offs | 49.2424% | 3,111 |
| Earnings coverage of net charge-offs (x) | -1.3530% | 4,539 |
| Efficiency ratio | 126.0959% | 102 |
| Assets per employee ($millions) | 4.2585% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 3,912 |
| Loan loss allowance to noncurrent loans | 146.8912% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 3.3653% | 644 |
| Noncurrent loans to loans | 0.8538% | 3,432 |
| Net loans and leases to total assets | 65.5163% | 2,948 |
| Net loans and leases to deposits | 73.1038% | 3,549 |
| Net loans and leases to core deposits | 74.8368% | 3,864 |
| Total domestic deposits to total assets | 89.6208% | 925 |
| Equity capital to assets | 9.6505% | 4,607 |
| Core capital (leverage) ratio | 8.9872% | 5,086 |
| Tier 1 risk-based capital ratio | 12.3286% | 5,279 |
| Total risk-based capital ratio | 13.4927% | 5,257 |
| Memoranda: | ||
| Average total assets | $140,279,750 | 3,823 |
| Average earning assets | $115,975,000 | 4,091 |
| Average equity | $13,441,750 | 4,143 |
| Average total loans | $88,314,750 | 3,698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 3,383 |
| Cost of funding earning assets | 0.4456% | 3,375 |
| Net interest margin | 3.6470% | 3,158 |
| Noninterest income to average assets | 0.4053% | 4,207 |
| Noninterest expense to average assets | 4.1309% | 648 |
| Loan and lease loss provision to assets | 0.3531% | 507 |
| Net operating income to assets | -0.6172% | 6,463 |
| Return on assets (ROA) | -0.6172% | 6,468 |
| Pretax return on assets | -1.0620% | 6,517 |
| Return on Equity (ROE) | -6.4556% | 6,470 |
| Retained earnings to average equity (ytd only) | -6.4556% | 6,324 |
| Net charge-offs to loans | 1.3400% | 222 |
| Credit loss provision to net charge-offs | 42.5894% | 2,889 |
| Earnings coverage of net charge-offs (x) | -0.8552% | 4,199 |
| Efficiency ratio | 120.7181% | 137 |
| Assets per employee ($millions) | 4.0429% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,037 |
| Loan loss allowance to noncurrent loans | 88.7147% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 4.2900% | 467 |
| Noncurrent loans to loans | 1.4299% | 2,416 |
| Net loans and leases to total assets | 64.0972% | 3,061 |
| Net loans and leases to deposits | 71.6180% | 3,623 |
| Net loans and leases to core deposits | 73.4105% | 3,898 |
| Total domestic deposits to total assets | 89.4988% | 1,093 |
| Equity capital to assets | 9.8072% | 4,340 |
| Core capital (leverage) ratio | 8.9374% | 5,105 |
| Tier 1 risk-based capital ratio | 11.9560% | 5,566 |
| Total risk-based capital ratio | 13.0503% | 5,574 |
| Memoranda: | ||
| Average total assets | $141,615,330 | 3,824 |
| Average earning assets | $117,136,000 | 4,077 |
| Average equity | $13,538,670 | 4,128 |
| Average total loans | $87,614,670 | 3,728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,500 |
| Cost of funding earning assets | 0.4536% | 3,389 |
| Net interest margin | 3.5918% | 3,280 |
| Noninterest income to average assets | 0.5150% | 3,294 |
| Noninterest expense to average assets | 3.9751% | 782 |
| Loan and lease loss provision to assets | 0.6959% | 174 |
| Net operating income to assets | -0.7043% | 6,521 |
| Return on assets (ROA) | -0.7043% | 6,521 |
| Pretax return on assets | -1.1580% | 6,583 |
| Return on Equity (ROE) | -7.4590% | 6,522 |
| Retained earnings to average equity (ytd only) | -7.4590% | 6,264 |
| Net charge-offs to loans | 2.7050% | 83 |
| Credit loss provision to net charge-offs | 42.5894% | 2,278 |
| Earnings coverage of net charge-offs (x) | -0.2828% | 3,455 |
| Efficiency ratio | 113.1537% | 236 |
| Assets per employee ($millions) | 3.7012% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,415 |
| Loan loss allowance to noncurrent loans | 41.7097% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 5.5572% | 339 |
| Noncurrent loans to loans | 2.9826% | 1,062 |
| Net loans and leases to total assets | 63.8923% | 2,907 |
| Net loans and leases to deposits | 71.0529% | 3,471 |
| Net loans and leases to core deposits | 73.0615% | 3,757 |
| Total domestic deposits to total assets | 89.9222% | 1,112 |
| Equity capital to assets | 9.6896% | 4,240 |
| Core capital (leverage) ratio | 8.8461% | 5,201 |
| Tier 1 risk-based capital ratio | 11.9299% | 5,687 |
| Total risk-based capital ratio | 13.0109% | 5,719 |
| Memoranda: | ||
| Average total assets | $143,693,000 | 3,812 |
| Average earning assets | $119,940,500 | 4,041 |
| Average equity | $13,567,500 | 4,135 |
| Average total loans | $86,802,000 | 3,777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 5,402 |
| Cost of funding earning assets | 0.6511% | 2,193 |
| Net interest margin | 2.9503% | 5,679 |
| Noninterest income to average assets | 0.8566% | 1,839 |
| Noninterest expense to average assets | 4.0637% | 810 |
| Loan and lease loss provision to assets | 0.5512% | 479 |
| Net operating income to assets | -0.7585% | 6,558 |
| Return on assets (ROA) | -0.7755% | 6,560 |
| Pretax return on assets | -1.2729% | 6,640 |
| Return on Equity (ROE) | -8.3690% | 6,562 |
| Retained earnings to average equity (ytd only) | -8.3690% | 6,502 |
| Net charge-offs to loans | 0.6964% | 929 |
| Credit loss provision to net charge-offs | 152.3297% | 1,522 |
| Earnings coverage of net charge-offs (x) | -1.9211% | 5,322 |
| Efficiency ratio | 120.6352% | 172 |
| Assets per employee ($millions) | 3.7626% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,132 |
| Loan loss allowance to noncurrent loans | 41.0335% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 5.7755% | 345 |
| Noncurrent loans to loans | 4.3336% | 627 |
| Net loans and leases to total assets | 55.2958% | 4,419 |
| Net loans and leases to deposits | 61.2570% | 4,799 |
| Net loans and leases to core deposits | 63.1964% | 4,948 |
| Total domestic deposits to total assets | 90.2685% | 935 |
| Equity capital to assets | 9.2047% | 4,800 |
| Core capital (leverage) ratio | 8.2473% | 5,926 |
| Tier 1 risk-based capital ratio | 12.8343% | 5,093 |
| Total risk-based capital ratio | 14.0874% | 5,037 |
| Memoranda: | ||
| Average total assets | $154,219,200 | 3,636 |
| Average earning assets | $131,308,800 | 3,818 |
| Average equity | $14,290,800 | 4,003 |
| Average total loans | $80,126,200 | 3,934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 5,540 |
| Cost of funding earning assets | 0.6816% | 2,089 |
| Net interest margin | 2.8824% | 5,854 |
| Noninterest income to average assets | 1.1506% | 1,107 |
| Noninterest expense to average assets | 4.0830% | 783 |
| Loan and lease loss provision to assets | 0.0427% | 4,158 |
| Net operating income to assets | -0.3158% | 6,530 |
| Return on assets (ROA) | -0.3383% | 6,556 |
| Pretax return on assets | -0.5501% | 6,614 |
| Return on Equity (ROE) | -3.6446% | 6,554 |
| Retained earnings to average equity (ytd only) | -3.6446% | 6,412 |
| Net charge-offs to loans | 0.2700% | 2,200 |
| Credit loss provision to net charge-offs | 31.0559% | 3,874 |
| Earnings coverage of net charge-offs (x) | -3.4348% | 5,112 |
| Efficiency ratio | 113.0826% | 227 |
| Assets per employee ($millions) | 3.8107% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,235 |
| Loan loss allowance to noncurrent loans | 31.5945% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 5.9549% | 412 |
| Noncurrent loans to loans | 4.2120% | 818 |
| Net loans and leases to total assets | 51.8530% | 4,887 |
| Net loans and leases to deposits | 57.5545% | 5,230 |
| Net loans and leases to core deposits | 59.7319% | 5,320 |
| Total domestic deposits to total assets | 90.0937% | 940 |
| Equity capital to assets | 9.3998% | 4,675 |
| Core capital (leverage) ratio | 9.0648% | 5,019 |
| Tier 1 risk-based capital ratio | 14.3990% | 4,148 |
| Total risk-based capital ratio | 15.4982% | 4,197 |
| Memoranda: | ||
| Average total assets | $156,089,000 | 3,648 |
| Average earning assets | $133,219,750 | 3,812 |
| Average equity | $14,486,750 | 4,018 |
| Average total loans | $79,505,250 | 3,987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 5,367 |
| Cost of funding earning assets | 0.6961% | 2,088 |
| Net interest margin | 2.9267% | 5,734 |
| Noninterest income to average assets | 1.2447% | 1,005 |
| Noninterest expense to average assets | 4.0989% | 774 |
| Loan and lease loss provision to assets | 0.0636% | 3,744 |
| Net operating income to assets | -0.2527% | 6,520 |
| Return on assets (ROA) | -0.2861% | 6,577 |
| Pretax return on assets | -0.4628% | 6,614 |
| Return on Equity (ROE) | -3.0950% | 6,584 |
| Retained earnings to average equity (ytd only) | -3.0950% | 6,321 |
| Net charge-offs to loans | 0.3833% | 1,685 |
| Credit loss provision to net charge-offs | 32.8947% | 3,541 |
| Earnings coverage of net charge-offs (x) | -1.7961% | 4,758 |
| Efficiency ratio | 109.2511% | 292 |
| Assets per employee ($millions) | 3.7402% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 3,988 |
| Loan loss allowance to noncurrent loans | 27.1670% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 6.1494% | 437 |
| Noncurrent loans to loans | 5.1883% | 605 |
| Net loans and leases to total assets | 47.8665% | 5,342 |
| Net loans and leases to deposits | 53.0342% | 5,603 |
| Net loans and leases to core deposits | 54.7683% | 5,688 |
| Total domestic deposits to total assets | 90.2558% | 885 |
| Equity capital to assets | 9.3068% | 4,848 |
| Core capital (leverage) ratio | 9.1579% | 4,747 |
| Tier 1 risk-based capital ratio | 15.0662% | 3,741 |
| Total risk-based capital ratio | 16.1969% | 3,773 |
| Memoranda: | ||
| Average total assets | $157,309,000 | 3,657 |
| Average earning assets | $134,758,670 | 3,809 |
| Average equity | $14,539,670 | 4,040 |
| Average total loans | $79,305,330 | 4,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,854 |
| Cost of funding earning assets | 0.7105% | 2,124 |
| Net interest margin | 3.0799% | 5,331 |
| Noninterest income to average assets | 0.9351% | 1,649 |
| Noninterest expense to average assets | 4.0148% | 868 |
| Loan and lease loss provision to assets | 0.1270% | 2,648 |
| Net operating income to assets | -0.3538% | 6,606 |
| Return on assets (ROA) | -0.3684% | 6,645 |
| Pretax return on assets | -0.5971% | 6,701 |
| Return on Equity (ROE) | -4.0001% | 6,649 |
| Retained earnings to average equity (ytd only) | -4.0001% | 6,275 |
| Net charge-offs to loans | -0.0099% | 5,436 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5356% | 294 |
| Assets per employee ($millions) | 3.9395% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,398 |
| Loan loss allowance to noncurrent loans | 20.7988% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 7.5188% | 354 |
| Noncurrent loans to loans | 7.6950% | 358 |
| Net loans and leases to total assets | 47.9512% | 5,233 |
| Net loans and leases to deposits | 53.4972% | 5,470 |
| Net loans and leases to core deposits | 55.1496% | 5,590 |
| Total domestic deposits to total assets | 89.6331% | 1,270 |
| Equity capital to assets | 9.1598% | 5,298 |
| Core capital (leverage) ratio | 9.1415% | 4,648 |
| Tier 1 risk-based capital ratio | 14.7096% | 4,032 |
| Total risk-based capital ratio | 15.9596% | 3,998 |
| Memoranda: | ||
| Average total assets | $157,419,000 | 3,690 |
| Average earning assets | $134,551,000 | 3,855 |
| Average equity | $14,499,500 | 4,094 |
| Average total loans | $80,824,000 | 3,994 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 4,092 |
| Cost of funding earning assets | 0.7980% | 2,683 |
| Net interest margin | 3.5308% | 4,370 |
| Noninterest income to average assets | 1.3912% | 804 |
| Noninterest expense to average assets | 3.9952% | 983 |
| Loan and lease loss provision to assets | 0.3343% | 2,018 |
| Net operating income to assets | 0.0552% | 6,080 |
| Return on assets (ROA) | 0.1290% | 6,095 |
| Pretax return on assets | 0.1986% | 5,991 |
| Return on Equity (ROE) | 1.3033% | 6,061 |
| Retained earnings to average equity (ytd only) | -1.4991% | 6,092 |
| Net charge-offs to loans | 0.7064% | 1,672 |
| Credit loss provision to net charge-offs | 83.3333% | 3,721 |
| Earnings coverage of net charge-offs (x) | 1.0450% | 4,947 |
| Efficiency ratio | 90.5043% | 1,022 |
| Assets per employee ($millions) | 4.0323% | 3,885 |
| Cash dividends to net income (ytd only)* | 215.0259% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,228 |
| Loan loss allowance to noncurrent loans | 14.9612% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 8.7919% | 288 |
| Noncurrent loans to loans | 9.2708% | 272 |
| Net loans and leases to total assets | 53.2122% | 4,727 |
| Net loans and leases to deposits | 61.5831% | 4,831 |
| Net loans and leases to core deposits | 63.1393% | 5,048 |
| Total domestic deposits to total assets | 86.4071% | 3,148 |
| Equity capital to assets | 9.2618% | 5,193 |
| Core capital (leverage) ratio | 8.8235% | 5,143 |
| Tier 1 risk-based capital ratio | 13.8139% | 4,525 |
| Total risk-based capital ratio | 14.9506% | 4,551 |
| Memoranda: | ||
| Average total assets | $149,579,800 | 3,781 |
| Average earning assets | $128,074,000 | 3,944 |
| Average equity | $14,808,800 | 4,008 |
| Average total loans | $84,941,200 | 3,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 4,163 |
| Cost of funding earning assets | 0.8232% | 2,750 |
| Net interest margin | 3.5483% | 4,447 |
| Noninterest income to average assets | 1.3039% | 868 |
| Noninterest expense to average assets | 3.9613% | 987 |
| Loan and lease loss provision to assets | 0.4515% | 1,386 |
| Net operating income to assets | -0.0235% | 6,315 |
| Return on assets (ROA) | 0.1327% | 6,211 |
| Pretax return on assets | 0.0831% | 6,291 |
| Return on Equity (ROE) | 1.3181% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.2870% | 5,995 |
| Net charge-offs to loans | 1.0153% | 1,049 |
| Credit loss provision to net charge-offs | 77.2798% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.6476% | 4,997 |
| Efficiency ratio | 91.2817% | 942 |
| Assets per employee ($millions) | 4.4459% | 3,003 |
| Cash dividends to net income (ytd only)* | 78.2296% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,848 |
| Loan loss allowance to noncurrent loans | 18.0022% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 7.3139% | 471 |
| Noncurrent loans to loans | 7.1741% | 501 |
| Net loans and leases to total assets | 53.9609% | 4,753 |
| Net loans and leases to deposits | 60.5289% | 5,144 |
| Net loans and leases to core deposits | 61.9784% | 5,363 |
| Total domestic deposits to total assets | 89.1491% | 1,344 |
| Equity capital to assets | 9.2995% | 5,465 |
| Core capital (leverage) ratio | 9.4242% | 4,382 |
| Tier 1 risk-based capital ratio | 13.9186% | 4,589 |
| Total risk-based capital ratio | 14.9990% | 4,676 |
| Memoranda: | ||
| Average total assets | $147,660,000 | 3,852 |
| Average earning assets | $126,331,250 | 4,011 |
| Average equity | $14,869,750 | 4,032 |
| Average total loans | $84,962,000 | 3,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 3,850 |
| Cost of funding earning assets | 0.8539% | 2,767 |
| Net interest margin | 3.6271% | 4,156 |
| Noninterest income to average assets | 1.3879% | 749 |
| Noninterest expense to average assets | 3.9908% | 949 |
| Loan and lease loss provision to assets | 0.4180% | 1,562 |
| Net operating income to assets | 0.0861% | 6,193 |
| Return on assets (ROA) | 0.3442% | 5,675 |
| Pretax return on assets | 0.3498% | 5,829 |
| Return on Equity (ROE) | 3.3232% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.7760% | 5,306 |
| Net charge-offs to loans | 1.1222% | 968 |
| Credit loss provision to net charge-offs | 63.5593% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.7669% | 4,673 |
| Efficiency ratio | 88.7787% | 1,168 |
| Assets per employee ($millions) | 4.3419% | 3,180 |
| Cash dividends to net income (ytd only)* | 46.5587% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,705 |
| Loan loss allowance to noncurrent loans | 28.4135% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 6.6152% | 614 |
| Noncurrent loans to loans | 4.7153% | 1,093 |
| Net loans and leases to total assets | 53.5448% | 4,874 |
| Net loans and leases to deposits | 60.2860% | 5,221 |
| Net loans and leases to core deposits | 61.8109% | 5,407 |
| Total domestic deposits to total assets | 88.8180% | 1,628 |
| Equity capital to assets | 9.7659% | 4,676 |
| Core capital (leverage) ratio | 9.9168% | 3,537 |
| Tier 1 risk-based capital ratio | 14.5926% | 4,038 |
| Total risk-based capital ratio | 15.6928% | 4,108 |
| Memoranda: | ||
| Average total assets | $143,529,670 | 3,941 |
| Average earning assets | $122,961,670 | 4,102 |
| Average equity | $14,865,000 | 4,015 |
| Average total loans | $84,117,670 | 3,970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 2,821 |
| Cost of funding earning assets | 0.8878% | 2,777 |
| Net interest margin | 3.8695% | 3,056 |
| Noninterest income to average assets | 1.0997% | 1,171 |
| Noninterest expense to average assets | 4.1691% | 767 |
| Loan and lease loss provision to assets | 0.2871% | 2,167 |
| Net operating income to assets | 0.0373% | 6,357 |
| Return on assets (ROA) | 0.3044% | 5,812 |
| Pretax return on assets | 0.2268% | 6,146 |
| Return on Equity (ROE) | 2.8500% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.1024% | 5,644 |
| Net charge-offs to loans | 0.4097% | 2,078 |
| Credit loss provision to net charge-offs | 114.9425% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.9885% | 3,835 |
| Efficiency ratio | 94.4083% | 798 |
| Assets per employee ($millions) | 3.9640% | 4,089 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 3,908 |
| Loan loss allowance to noncurrent loans | 28.9238% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 7.4483% | 545 |
| Noncurrent loans to loans | 5.3808% | 1,005 |
| Net loans and leases to total assets | 57.1792% | 4,189 |
| Net loans and leases to deposits | 64.7010% | 4,535 |
| Net loans and leases to core deposits | 66.2981% | 4,880 |
| Total domestic deposits to total assets | 88.3745% | 2,087 |
| Equity capital to assets | 10.4552% | 3,547 |
| Core capital (leverage) ratio | 10.5454% | 2,697 |
| Tier 1 risk-based capital ratio | 14.6354% | 3,998 |
| Total risk-based capital ratio | 15.8863% | 3,957 |
| Memoranda: | ||
| Average total assets | $139,310,500 | 4,048 |
| Average earning assets | $119,395,000 | 4,214 |
| Average equity | $14,877,000 | 4,016 |
| Average total loans | $84,938,500 | 3,977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 1,568 |
| Cost of funding earning assets | 1.0863% | 2,755 |
| Net interest margin | 4.2615% | 1,836 |
| Noninterest income to average assets | 0.5399% | 3,587 |
| Noninterest expense to average assets | 3.7932% | 1,360 |
| Loan and lease loss provision to assets | 0.1807% | 4,387 |
| Net operating income to assets | 0.3498% | 5,067 |
| Return on assets (ROA) | 0.3347% | 5,284 |
| Pretax return on assets | 0.2653% | 5,644 |
| Return on Equity (ROE) | 3.1777% | 5,214 |
| Retained earnings to average equity (ytd only) | 0.4667% | 5,619 |
| Net charge-offs to loans | 0.7714% | 2,223 |
| Credit loss provision to net charge-offs | 34.5781% | 5,716 |
| Earnings coverage of net charge-offs (x) | 0.8824% | 5,142 |
| Efficiency ratio | 89.1607% | 1,255 |
| Assets per employee ($millions) | 3.7755% | 4,381 |
| Cash dividends to net income (ytd only)* | 85.3132% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 4,158 |
| Loan loss allowance to noncurrent loans | 17.6503% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 8.5788% | 436 |
| Noncurrent loans to loans | 8.3170% | 468 |
| Net loans and leases to total assets | 63.0628% | 3,390 |
| Net loans and leases to deposits | 71.9274% | 3,809 |
| Net loans and leases to core deposits | 73.8040% | 4,267 |
| Total domestic deposits to total assets | 87.6756% | 2,352 |
| Equity capital to assets | 10.9140% | 3,065 |
| Core capital (leverage) ratio | 10.5206% | 2,702 |
| Tier 1 risk-based capital ratio | 14.8948% | 3,702 |
| Total risk-based capital ratio | 16.1449% | 3,677 |
| Memoranda: | ||
| Average total assets | $138,352,800 | 4,004 |
| Average earning assets | $120,590,800 | 4,123 |
| Average equity | $14,570,200 | 3,995 |
| Average total loans | $93,727,400 | 3,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 1,889 |
| Cost of funding earning assets | 1.1208% | 2,825 |
| Net interest margin | 4.1721% | 2,201 |
| Noninterest income to average assets | 0.4663% | 4,157 |
| Noninterest expense to average assets | 3.6988% | 1,502 |
| Loan and lease loss provision to assets | 0.2399% | 3,609 |
| Net operating income to assets | 0.1708% | 5,772 |
| Return on assets (ROA) | 0.1708% | 5,902 |
| Pretax return on assets | 0.1708% | 5,953 |
| Return on Equity (ROE) | 1.6363% | 5,892 |
| Retained earnings to average equity (ytd only) | -1.1215% | 6,172 |
| Net charge-offs to loans | 0.9405% | 1,712 |
| Credit loss provision to net charge-offs | 37.1471% | 5,297 |
| Earnings coverage of net charge-offs (x) | 0.6360% | 5,152 |
| Efficiency ratio | 90.0070% | 1,164 |
| Assets per employee ($millions) | 3.6594% | 4,615 |
| Cash dividends to net income (ytd only)* | 168.5375% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,724 |
| Loan loss allowance to noncurrent loans | 19.4775% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 8.3516% | 514 |
| Noncurrent loans to loans | 6.9966% | 708 |
| Net loans and leases to total assets | 70.9377% | 1,912 |
| Net loans and leases to deposits | 81.5918% | 2,434 |
| Net loans and leases to core deposits | 82.8852% | 3,205 |
| Total domestic deposits to total assets | 86.9423% | 2,692 |
| Equity capital to assets | 10.8206% | 3,330 |
| Core capital (leverage) ratio | 10.4455% | 2,941 |
| Tier 1 risk-based capital ratio | 13.5944% | 4,658 |
| Total risk-based capital ratio | 14.7969% | 4,668 |
| Memoranda: | ||
| Average total assets | $138,961,750 | 4,023 |
| Average earning assets | $121,342,250 | 4,124 |
| Average equity | $14,504,250 | 4,033 |
| Average total loans | $95,411,750 | 3,773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 2,329 |
| Cost of funding earning assets | 1.1624% | 2,834 |
| Net interest margin | 4.0211% | 2,739 |
| Noninterest income to average assets | 0.4053% | 4,634 |
| Noninterest expense to average assets | 3.6875% | 1,553 |
| Loan and lease loss provision to assets | 0.2141% | 3,775 |
| Net operating income to assets | 0.0285% | 6,173 |
| Return on assets (ROA) | 0.0285% | 6,251 |
| Pretax return on assets | 0.0285% | 6,227 |
| Return on Equity (ROE) | 0.2767% | 6,248 |
| Retained earnings to average equity (ytd only) | -2.3521% | 6,298 |
| Net charge-offs to loans | 1.1777% | 1,325 |
| Credit loss provision to net charge-offs | 26.8817% | 5,033 |
| Earnings coverage of net charge-offs (x) | 0.3047% | 5,084 |
| Efficiency ratio | 93.8272% | 987 |
| Assets per employee ($millions) | 3.8142% | 4,168 |
| Cash dividends to net income (ytd only)* | 950.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,584 |
| Loan loss allowance to noncurrent loans | 18.5206% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 8.5216% | 511 |
| Noncurrent loans to loans | 7.5442% | 633 |
| Net loans and leases to total assets | 68.9717% | 2,419 |
| Net loans and leases to deposits | 79.4405% | 2,903 |
| Net loans and leases to core deposits | 81.8377% | 3,524 |
| Total domestic deposits to total assets | 86.8218% | 2,840 |
| Equity capital to assets | 10.5287% | 3,470 |
| Core capital (leverage) ratio | 10.2455% | 2,983 |
| Tier 1 risk-based capital ratio | 13.5698% | 4,477 |
| Total risk-based capital ratio | 14.8188% | 4,455 |
| Memoranda: | ||
| Average total assets | $140,149,330 | 4,023 |
| Average earning assets | $122,851,000 | 4,131 |
| Average equity | $14,455,330 | 4,022 |
| Average total loans | $94,757,000 | 3,822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 2,296 |
| Cost of funding earning assets | 1.2148% | 2,720 |
| Net interest margin | 3.9668% | 2,842 |
| Noninterest income to average assets | 0.4210% | 4,533 |
| Noninterest expense to average assets | 3.7268% | 1,484 |
| Loan and lease loss provision to assets | 0.4238% | 2,071 |
| Net operating income to assets | -0.2515% | 6,610 |
| Return on assets (ROA) | -0.2515% | 6,623 |
| Pretax return on assets | -0.2515% | 6,580 |
| Return on Equity (ROE) | -2.4629% | 6,627 |
| Retained earnings to average equity (ytd only) | -5.0918% | 6,523 |
| Net charge-offs to loans | 2.2866% | 525 |
| Credit loss provision to net charge-offs | 27.8810% | 4,153 |
| Earnings coverage of net charge-offs (x) | 0.1134% | 4,514 |
| Efficiency ratio | 95.5797% | 946 |
| Assets per employee ($millions) | 3.8676% | 4,148 |
| Cash dividends to net income (ytd only)* | -106.7416% | 7,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,338 |
| Loan loss allowance to noncurrent loans | 26.6068% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 7.5457% | 664 |
| Noncurrent loans to loans | 5.5338% | 1,181 |
| Net loans and leases to total assets | 65.4612% | 3,138 |
| Net loans and leases to deposits | 75.0760% | 3,572 |
| Net loans and leases to core deposits | 77.7631% | 4,053 |
| Total domestic deposits to total assets | 87.1933% | 2,837 |
| Equity capital to assets | 10.3252% | 3,382 |
| Core capital (leverage) ratio | 10.1654% | 2,957 |
| Tier 1 risk-based capital ratio | 14.1952% | 3,940 |
| Total risk-based capital ratio | 15.4464% | 3,908 |
| Memoranda: | ||
| Average total assets | $141,569,000 | 4,033 |
| Average earning assets | $124,131,000 | 4,137 |
| Average equity | $14,454,500 | 4,006 |
| Average total loans | $94,112,000 | 3,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 1,312 |
| Cost of funding earning assets | 1.4642% | 2,867 |
| Net interest margin | 4.3207% | 1,754 |
| Noninterest income to average assets | 1.1652% | 1,088 |
| Noninterest expense to average assets | 3.9653% | 1,213 |
| Loan and lease loss provision to assets | 0.7576% | 2,165 |
| Net operating income to assets | 0.1758% | 5,358 |
| Return on assets (ROA) | 0.1833% | 5,491 |
| Pretax return on assets | 0.2641% | 5,329 |
| Return on Equity (ROE) | 1.7446% | 5,483 |
| Retained earnings to average equity (ytd only) | -2.2048% | 5,999 |
| Net charge-offs to loans | 0.7409% | 2,805 |
| Credit loss provision to net charge-offs | 140.1869% | 2,693 |
| Earnings coverage of net charge-offs (x) | 1.8705% | 4,324 |
| Efficiency ratio | 79.6868% | 2,456 |
| Assets per employee ($millions) | 3.8894% | 4,032 |
| Cash dividends to net income (ytd only)* | 226.3780% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 2,764 |
| Loan loss allowance to noncurrent loans | 30.1724% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 7.4229% | 711 |
| Noncurrent loans to loans | 6.0594% | 1,028 |
| Net loans and leases to total assets | 65.2989% | 3,598 |
| Net loans and leases to deposits | 74.6082% | 4,095 |
| Net loans and leases to core deposits | 78.1577% | 4,442 |
| Total domestic deposits to total assets | 87.5224% | 2,534 |
| Equity capital to assets | 10.0990% | 3,617 |
| Core capital (leverage) ratio | 9.9175% | 3,184 |
| Tier 1 risk-based capital ratio | 14.1132% | 3,796 |
| Total risk-based capital ratio | 15.3667% | 3,754 |
| Memoranda: | ||
| Average total assets | $138,603,400 | 4,083 |
| Average earning assets | $122,250,000 | 4,184 |
| Average equity | $14,559,200 | 4,021 |
| Average total loans | $101,090,200 | 3,759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 1,015 |
| Cost of funding earning assets | 1.4847% | 3,066 |
| Net interest margin | 4.4741% | 1,319 |
| Noninterest income to average assets | 0.8129% | 2,163 |
| Noninterest expense to average assets | 3.5858% | 1,823 |
| Loan and lease loss provision to assets | 0.8256% | 1,835 |
| Net operating income to assets | 0.2681% | 5,289 |
| Return on assets (ROA) | 0.2681% | 5,449 |
| Pretax return on assets | 0.3496% | 5,369 |
| Return on Equity (ROE) | 2.5264% | 5,420 |
| Retained earnings to average equity (ytd only) | -2.7370% | 6,319 |
| Net charge-offs to loans | 0.7471% | 2,556 |
| Credit loss provision to net charge-offs | 148.0836% | 2,646 |
| Earnings coverage of net charge-offs (x) | 2.1080% | 4,144 |
| Efficiency ratio | 75.3162% | 3,078 |
| Assets per employee ($millions) | 3.6599% | 4,592 |
| Cash dividends to net income (ytd only)* | 208.3345% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 3,368 |
| Loan loss allowance to noncurrent loans | 57.6730% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 5.0169% | 1,280 |
| Noncurrent loans to loans | 2.8440% | 2,809 |
| Net loans and leases to total assets | 72.4703% | 2,138 |
| Net loans and leases to deposits | 83.4371% | 2,798 |
| Net loans and leases to core deposits | 87.1186% | 3,503 |
| Total domestic deposits to total assets | 86.8562% | 2,608 |
| Equity capital to assets | 10.2055% | 3,874 |
| Core capital (leverage) ratio | 10.1694% | 3,074 |
| Tier 1 risk-based capital ratio | 13.8027% | 3,980 |
| Total risk-based capital ratio | 15.0572% | 3,936 |
| Memoranda: | ||
| Average total assets | $137,277,750 | 4,158 |
| Average earning assets | $121,139,750 | 4,258 |
| Average equity | $14,565,750 | 4,083 |
| Average total loans | $102,433,000 | 3,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0270% | 881 |
| Cost of funding earning assets | 1.4838% | 3,348 |
| Net interest margin | 4.5432% | 1,111 |
| Noninterest income to average assets | 0.6836% | 2,796 |
| Noninterest expense to average assets | 3.5376% | 1,936 |
| Loan and lease loss provision to assets | 0.1476% | 5,423 |
| Net operating income to assets | 0.7279% | 3,279 |
| Return on assets (ROA) | 0.7279% | 3,437 |
| Pretax return on assets | 1.0129% | 3,068 |
| Return on Equity (ROE) | 6.7695% | 3,411 |
| Retained earnings to average equity (ytd only) | -1.1260% | 5,999 |
| Net charge-offs to loans | 0.6836% | 2,507 |
| Credit loss provision to net charge-offs | 28.8184% | 5,751 |
| Earnings coverage of net charge-offs (x) | 2.2651% | 3,874 |
| Efficiency ratio | 75.2986% | 3,206 |
| Assets per employee ($millions) | 3.6689% | 4,552 |
| Cash dividends to net income (ytd only)* | 116.6329% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,553 |
| Loan loss allowance to noncurrent loans | 36.8260% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 5.3005% | 1,183 |
| Noncurrent loans to loans | 3.2055% | 2,499 |
| Net loans and leases to total assets | 72.1733% | 2,353 |
| Net loans and leases to deposits | 84.3319% | 2,814 |
| Net loans and leases to core deposits | 88.1862% | 3,522 |
| Total domestic deposits to total assets | 85.5824% | 3,327 |
| Equity capital to assets | 10.5401% | 3,357 |
| Core capital (leverage) ratio | 10.5801% | 2,558 |
| Tier 1 risk-based capital ratio | 13.9652% | 3,757 |
| Total risk-based capital ratio | 15.1075% | 3,799 |
| Memoranda: | ||
| Average total assets | $135,458,000 | 4,226 |
| Average earning assets | $119,694,670 | 4,320 |
| Average equity | $14,565,330 | 4,075 |
| Average total loans | $101,521,670 | 3,846 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0766% | 820 |
| Cost of funding earning assets | 1.5065% | 3,510 |
| Net interest margin | 4.5702% | 1,004 |
| Noninterest income to average assets | 0.7822% | 2,107 |
| Noninterest expense to average assets | 3.4463% | 2,116 |
| Loan and lease loss provision to assets | 0.2997% | 3,639 |
| Net operating income to assets | 0.7582% | 3,168 |
| Return on assets (ROA) | 0.7582% | 3,278 |
| Pretax return on assets | 1.0818% | 2,796 |
| Return on Equity (ROE) | 6.9791% | 3,352 |
| Retained earnings to average equity (ytd only) | -1.9861% | 6,213 |
| Net charge-offs to loans | 1.3416% | 1,282 |
| Credit loss provision to net charge-offs | 29.4118% | 4,822 |
| Earnings coverage of net charge-offs (x) | 1.3559% | 3,934 |
| Efficiency ratio | 71.3842% | 4,049 |
| Assets per employee ($millions) | 3.4667% | 5,108 |
| Cash dividends to net income (ytd only)* | 128.4585% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,455 |
| Loan loss allowance to noncurrent loans | 24.9948% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 6.6042% | 852 |
| Noncurrent loans to loans | 4.8383% | 1,517 |
| Net loans and leases to total assets | 73.0492% | 2,187 |
| Net loans and leases to deposits | 85.2097% | 2,727 |
| Net loans and leases to core deposits | 88.6619% | 3,543 |
| Total domestic deposits to total assets | 85.7288% | 3,293 |
| Equity capital to assets | 10.7454% | 3,010 |
| Core capital (leverage) ratio | 11.1301% | 2,142 |
| Tier 1 risk-based capital ratio | 13.7627% | 3,824 |
| Total risk-based capital ratio | 14.8942% | 3,858 |
| Memoranda: | ||
| Average total assets | $133,477,000 | 4,336 |
| Average earning assets | $118,158,000 | 4,419 |
| Average equity | $14,500,500 | 4,123 |
| Average total loans | $101,369,500 | 3,909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 1,753 |
| Cost of funding earning assets | 2.0061% | 2,931 |
| Net interest margin | 4.0226% | 2,773 |
| Noninterest income to average assets | 0.3139% | 5,834 |
| Noninterest expense to average assets | 3.5830% | 2,188 |
| Loan and lease loss provision to assets | 0.9994% | 2,276 |
| Net operating income to assets | -0.3459% | 6,022 |
| Return on assets (ROA) | -0.3459% | 6,013 |
| Pretax return on assets | -0.6223% | 6,113 |
| Return on Equity (ROE) | -3.6332% | 6,071 |
| Retained earnings to average equity (ytd only) | -5.6016% | 6,099 |
| Net charge-offs to loans | 0.5817% | 3,477 |
| Credit loss provision to net charge-offs | 224.9561% | 1,665 |
| Earnings coverage of net charge-offs (x) | 0.8489% | 5,261 |
| Efficiency ratio | 90.4771% | 1,671 |
| Assets per employee ($millions) | 3.2938% | 5,506 |
| Cash dividends to net income (ytd only)* | -54.1761% | 7,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,177 |
| Loan loss allowance to noncurrent loans | 38.8056% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 4.1350% | 1,583 |
| Noncurrent loans to loans | 3.6335% | 2,075 |
| Net loans and leases to total assets | 76.8998% | 1,606 |
| Net loans and leases to deposits | 90.4333% | 2,153 |
| Net loans and leases to core deposits | 104.3612% | 3,528 |
| Total domestic deposits to total assets | 85.0348% | 3,537 |
| Equity capital to assets | 10.9850% | 2,716 |
| Core capital (leverage) ratio | 11.2869% | 2,055 |
| Tier 1 risk-based capital ratio | 13.9760% | 3,514 |
| Total risk-based capital ratio | 15.2274% | 3,466 |
| Memoranda: | ||
| Average total assets | $128,076,400 | 4,382 |
| Average earning assets | $116,095,200 | 4,393 |
| Average equity | $12,193,000 | 4,706 |
| Average total loans | $97,817,800 | 4,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 2,129 |
| Cost of funding earning assets | 2.1297% | 2,746 |
| Net interest margin | 3.8457% | 3,455 |
| Noninterest income to average assets | 0.3188% | 5,930 |
| Noninterest expense to average assets | 3.5325% | 2,189 |
| Loan and lease loss provision to assets | 0.7654% | 2,458 |
| Net operating income to assets | -0.4802% | 6,407 |
| Return on assets (ROA) | -0.4802% | 6,411 |
| Pretax return on assets | -0.4802% | 6,272 |
| Return on Equity (ROE) | -5.2538% | 6,478 |
| Retained earnings to average equity (ytd only) | -6.8598% | 6,495 |
| Net charge-offs to loans | 0.3203% | 4,037 |
| Credit loss provision to net charge-offs | 314.6552% | 1,310 |
| Earnings coverage of net charge-offs (x) | 1.1724% | 4,888 |
| Efficiency ratio | 92.5295% | 1,499 |
| Assets per employee ($millions) | 3.2515% | 5,515 |
| Cash dividends to net income (ytd only)* | -30.5674% | 7,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,705 |
| Loan loss allowance to noncurrent loans | 36.8625% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.1980% | 1,494 |
| Noncurrent loans to loans | 3.4403% | 2,176 |
| Net loans and leases to total assets | 73.9861% | 2,523 |
| Net loans and leases to deposits | 85.7455% | 3,368 |
| Net loans and leases to core deposits | 98.2199% | 4,576 |
| Total domestic deposits to total assets | 86.2857% | 2,551 |
| Equity capital to assets | 8.8720% | 5,674 |
| Core capital (leverage) ratio | 8.9844% | 4,671 |
| Tier 1 risk-based capital ratio | 11.6038% | 5,333 |
| Total risk-based capital ratio | 12.8128% | 5,314 |
| Memoranda: | ||
| Average total assets | $127,157,500 | 4,422 |
| Average earning assets | $115,694,000 | 4,435 |
| Average equity | $11,623,000 | 4,892 |
| Average total loans | $96,580,750 | 4,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9799% | 2,267 |
| Cost of funding earning assets | 2.1865% | 2,856 |
| Net interest margin | 3.7935% | 3,581 |
| Noninterest income to average assets | 0.2742% | 6,309 |
| Noninterest expense to average assets | 3.6041% | 2,065 |
| Loan and lease loss provision to assets | 1.1094% | 1,545 |
| Net operating income to assets | -0.9636% | 6,948 |
| Return on assets (ROA) | -0.9636% | 6,950 |
| Pretax return on assets | -0.9636% | 6,791 |
| Return on Equity (ROE) | -10.4369% | 7,070 |
| Retained earnings to average equity (ytd only) | -11.8101% | 7,041 |
| Net charge-offs to loans | 0.4030% | 3,184 |
| Credit loss provision to net charge-offs | 360.8247% | 1,285 |
| Earnings coverage of net charge-offs (x) | 0.4742% | 5,229 |
| Efficiency ratio | 96.1116% | 1,366 |
| Assets per employee ($millions) | 3.3756% | 5,123 |
| Cash dividends to net income (ytd only)* | -13.1579% | 7,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,384 |
| Loan loss allowance to noncurrent loans | 34.9242% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 4.4916% | 1,246 |
| Noncurrent loans to loans | 3.6715% | 1,894 |
| Net loans and leases to total assets | 72.7506% | 3,013 |
| Net loans and leases to deposits | 84.7175% | 3,762 |
| Net loans and leases to core deposits | 97.5782% | 4,735 |
| Total domestic deposits to total assets | 85.8743% | 2,850 |
| Equity capital to assets | 8.5555% | 5,964 |
| Core capital (leverage) ratio | 9.1244% | 4,422 |
| Tier 1 risk-based capital ratio | 11.4778% | 5,409 |
| Total risk-based capital ratio | 12.6905% | 5,367 |
| Memoranda: | ||
| Average total assets | $126,189,670 | 4,469 |
| Average earning assets | $115,620,000 | 4,470 |
| Average equity | $11,651,000 | 4,901 |
| Average total loans | $96,286,670 | 4,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0990% | 1,948 |
| Cost of funding earning assets | 2.1700% | 3,319 |
| Net interest margin | 3.9290% | 2,932 |
| Noninterest income to average assets | 0.2786% | 6,194 |
| Noninterest expense to average assets | 3.6190% | 1,826 |
| Loan and lease loss provision to assets | 0.9396% | 1,380 |
| Net operating income to assets | -0.6253% | 6,986 |
| Return on assets (ROA) | -0.6253% | 7,028 |
| Pretax return on assets | -0.6253% | 6,922 |
| Return on Equity (ROE) | -6.5175% | 7,107 |
| Retained earnings to average equity (ytd only) | -9.2191% | 7,033 |
| Net charge-offs to loans | -0.0042% | 7,161 |
| Credit loss provision to net charge-offs | -29,000.0000% | 6,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0099% | 1,565 |
| Assets per employee ($millions) | 3.2856% | 5,355 |
| Cash dividends to net income (ytd only)* | -41.4508% | 8,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 5,650 |
| Loan loss allowance to noncurrent loans | 26.2768% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 4.1570% | 1,217 |
| Noncurrent loans to loans | 4.0927% | 1,466 |
| Net loans and leases to total assets | 75.8128% | 2,315 |
| Net loans and leases to deposits | 89.3197% | 3,046 |
| Net loans and leases to core deposits | 103.8864% | 4,150 |
| Total domestic deposits to total assets | 84.8780% | 3,263 |
| Equity capital to assets | 9.3808% | 4,835 |
| Core capital (leverage) ratio | 9.9336% | 3,478 |
| Tier 1 risk-based capital ratio | 12.2072% | 4,786 |
| Total risk-based capital ratio | 13.2378% | 4,862 |
| Memoranda: | ||
| Average total assets | $123,461,000 | 4,560 |
| Average earning assets | $114,839,000 | 4,506 |
| Average equity | $11,845,000 | 4,885 |
| Average total loans | $95,921,000 | 4,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4639% | 3,143 |
| Cost of funding earning assets | 2.5754% | 3,821 |
| Net interest margin | 3.8885% | 3,620 |
| Noninterest income to average assets | 0.2323% | 6,769 |
| Noninterest expense to average assets | 3.4469% | 2,536 |
| Loan and lease loss provision to assets | 0.2936% | 4,036 |
| Net operating income to assets | 0.1362% | 6,014 |
| Return on assets (ROA) | 0.1362% | 5,846 |
| Pretax return on assets | 0.1362% | 5,863 |
| Return on Equity (ROE) | 1.2858% | 5,833 |
| Retained earnings to average equity (ytd only) | -0.9242% | 5,574 |
| Net charge-offs to loans | 0.5053% | 2,335 |
| Credit loss provision to net charge-offs | 74.5140% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.0907% | 5,578 |
| Efficiency ratio | 88.9133% | 1,593 |
| Assets per employee ($millions) | 3.2992% | 5,213 |
| Cash dividends to net income (ytd only)* | 171.8750% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 7,212 |
| Loan loss allowance to noncurrent loans | 20.0271% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 3.8248% | 1,111 |
| Noncurrent loans to loans | 3.8322% | 1,296 |
| Net loans and leases to total assets | 78.1693% | 2,094 |
| Net loans and leases to deposits | 96.5556% | 2,359 |
| Net loans and leases to core deposits | 113.1705% | 3,427 |
| Total domestic deposits to total assets | 80.9578% | 4,655 |
| Equity capital to assets | 9.8123% | 4,276 |
| Core capital (leverage) ratio | 10.6080% | 2,900 |
| Tier 1 risk-based capital ratio | 12.5908% | 4,379 |
| Total risk-based capital ratio | 13.3365% | 4,634 |
| Memoranda: | ||
| Average total assets | $117,496,000 | 4,580 |
| Average earning assets | $110,120,000 | 4,514 |
| Average equity | $12,443,800 | 4,714 |
| Average total loans | $91,626,200 | 4,171 |