Home > Marine Bank and Trust > Performance and Condition Ratios
Marine Bank and Trust, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 4,789 |
| Cost of funding earning assets | 0.3619% | 3,418 |
| Net interest margin | 3.1426% | 4,664 |
| Noninterest income to average assets | 0.4780% | 3,392 |
| Noninterest expense to average assets | 1.9854% | 5,232 |
| Loan and lease loss provision to assets | 0.0471% | 3,306 |
| Net operating income to assets | 1.3280% | 1,217 |
| Return on assets (ROA) | 1.4503% | 1,022 |
| Pretax return on assets | 1.4697% | 1,810 |
| Return on Equity (ROE) | 13.9219% | 839 |
| Retained earnings to average equity (ytd only) | -19.4505% | 5,913 |
| Net charge-offs to loans | 0.0251% | 3,168 |
| Credit loss provision to net charge-offs | 290.3226% | 1,064 |
| Earnings coverage of net charge-offs (x) | 85.8435% | 730 |
| Efficiency ratio | 56.4854% | 5,007 |
| Assets per employee ($millions) | 5.9278% | 1,487 |
| Cash dividends to net income (ytd only)* | 239.7112% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 2,548 |
| Loan loss allowance to noncurrent loans | 196.8057% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 3,602 |
| Noncurrent loans to loans | 0.6733% | 3,008 |
| Net loans and leases to total assets | 64.7943% | 3,298 |
| Net loans and leases to deposits | 80.3302% | 2,921 |
| Net loans and leases to core deposits | 84.8740% | 3,045 |
| Total domestic deposits to total assets | 80.6600% | 4,335 |
| Equity capital to assets | 10.1194% | 4,016 |
| Core capital (leverage) ratio | 8.9692% | 4,861 |
| Tier 1 risk-based capital ratio | 11.9185% | 4,839 |
| Total risk-based capital ratio | 13.0939% | 4,788 |
| Memoranda: | ||
| Average total assets | $254,649,250 | 2,476 |
| Average earning assets | $235,044,750 | 2,481 |
| Average equity | $26,528,250 | 2,616 |
| Average total loans | $164,787,000 | 2,471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,845 |
| Cost of funding earning assets | 0.3654% | 3,405 |
| Net interest margin | 3.1414% | 4,712 |
| Noninterest income to average assets | 0.4690% | 3,414 |
| Noninterest expense to average assets | 1.9351% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4197% | 1,031 |
| Return on assets (ROA) | 1.4197% | 1,071 |
| Pretax return on assets | 1.4385% | 1,882 |
| Return on Equity (ROE) | 13.4987% | 928 |
| Retained earnings to average equity (ytd only) | -32.9660% | 6,014 |
| Net charge-offs to loans | 0.0305% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 73.2400% | 747 |
| Efficiency ratio | 55.0769% | 5,235 |
| Assets per employee ($millions) | 6.0344% | 1,374 |
| Cash dividends to net income (ytd only)* | 344.2169% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,802 |
| Loan loss allowance to noncurrent loans | 263.6588% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 4,177 |
| Noncurrent loans to loans | 0.4920% | 3,605 |
| Net loans and leases to total assets | 64.0333% | 3,356 |
| Net loans and leases to deposits | 82.3312% | 2,668 |
| Net loans and leases to core deposits | 88.0259% | 2,723 |
| Total domestic deposits to total assets | 77.7753% | 5,041 |
| Equity capital to assets | 10.0863% | 4,116 |
| Core capital (leverage) ratio | 8.9345% | 4,901 |
| Tier 1 risk-based capital ratio | 11.7803% | 4,986 |
| Total risk-based capital ratio | 12.9268% | 4,944 |
| Memoranda: | ||
| Average total assets | $254,567,000 | 2,489 |
| Average earning assets | $235,369,670 | 2,492 |
| Average equity | $26,773,000 | 2,610 |
| Average total loans | $163,924,000 | 2,484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 4,910 |
| Cost of funding earning assets | 0.3701% | 3,395 |
| Net interest margin | 3.1206% | 4,809 |
| Noninterest income to average assets | 0.4390% | 3,551 |
| Noninterest expense to average assets | 1.9614% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3405% | 1,150 |
| Return on assets (ROA) | 1.3405% | 1,232 |
| Pretax return on assets | 1.3593% | 2,049 |
| Return on Equity (ROE) | 12.4918% | 1,157 |
| Retained earnings to average equity (ytd only) | -60.5596% | 6,087 |
| Net charge-offs to loans | 0.0244% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 86.7000% | 599 |
| Efficiency ratio | 56.7517% | 5,123 |
| Assets per employee ($millions) | 5.7823% | 1,596 |
| Cash dividends to net income (ytd only)* | 584.7953% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,757 |
| Loan loss allowance to noncurrent loans | 269.8492% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 4,232 |
| Noncurrent loans to loans | 0.4930% | 3,697 |
| Net loans and leases to total assets | 64.0759% | 3,233 |
| Net loans and leases to deposits | 81.7167% | 2,582 |
| Net loans and leases to core deposits | 88.5263% | 2,513 |
| Total domestic deposits to total assets | 78.4122% | 5,073 |
| Equity capital to assets | 10.2348% | 3,811 |
| Core capital (leverage) ratio | 9.1232% | 4,704 |
| Tier 1 risk-based capital ratio | 12.1861% | 4,784 |
| Total risk-based capital ratio | 13.3675% | 4,743 |
| Memoranda: | ||
| Average total assets | $255,129,000 | 2,499 |
| Average earning assets | $235,592,000 | 2,500 |
| Average equity | $27,378,000 | 2,570 |
| Average total loans | $163,675,500 | 2,483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 4,530 |
| Cost of funding earning assets | 0.4151% | 2,993 |
| Net interest margin | 3.2329% | 4,522 |
| Noninterest income to average assets | 0.4709% | 3,526 |
| Noninterest expense to average assets | 1.9505% | 5,544 |
| Loan and lease loss provision to assets | 0.0079% | 4,237 |
| Net operating income to assets | 1.4397% | 966 |
| Return on assets (ROA) | 1.5320% | 838 |
| Pretax return on assets | 1.5530% | 1,394 |
| Return on Equity (ROE) | 13.8512% | 865 |
| Retained earnings to average equity (ytd only) | 11.4124% | 299 |
| Net charge-offs to loans | -0.0006% | 4,823 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7987% | 5,463 |
| Assets per employee ($millions) | 5.8137% | 1,523 |
| Cash dividends to net income (ytd only)* | 17.6075% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,893 |
| Loan loss allowance to noncurrent loans | 408.1285% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,748 |
| Noncurrent loans to loans | 0.3189% | 4,315 |
| Net loans and leases to total assets | 62.5819% | 3,479 |
| Net loans and leases to deposits | 79.4242% | 2,891 |
| Net loans and leases to core deposits | 84.9134% | 2,889 |
| Total domestic deposits to total assets | 78.7946% | 5,017 |
| Equity capital to assets | 11.2026% | 2,631 |
| Core capital (leverage) ratio | 10.5578% | 2,874 |
| Tier 1 risk-based capital ratio | 14.1841% | 3,613 |
| Total risk-based capital ratio | 15.3426% | 3,581 |
| Memoranda: | ||
| Average total assets | $252,094,800 | 2,487 |
| Average earning assets | $229,824,600 | 2,512 |
| Average equity | $27,882,000 | 2,469 |
| Average total loans | $159,231,200 | 2,485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,494 |
| Cost of funding earning assets | 0.4293% | 2,911 |
| Net interest margin | 3.2476% | 4,536 |
| Noninterest income to average assets | 0.4581% | 3,654 |
| Noninterest expense to average assets | 1.9200% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4694% | 970 |
| Return on assets (ROA) | 1.4694% | 1,008 |
| Pretax return on assets | 1.4907% | 1,708 |
| Return on Equity (ROE) | 13.3303% | 1,054 |
| Retained earnings to average equity (ytd only) | 10.0365% | 627 |
| Net charge-offs to loans | -0.0008% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9919% | 5,515 |
| Assets per employee ($millions) | 5.7402% | 1,556 |
| Cash dividends to net income (ytd only)* | 24.7092% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,703 |
| Loan loss allowance to noncurrent loans | 441.0309% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,901 |
| Noncurrent loans to loans | 0.3126% | 4,478 |
| Net loans and leases to total assets | 61.9865% | 3,610 |
| Net loans and leases to deposits | 79.1503% | 2,971 |
| Net loans and leases to core deposits | 85.2605% | 2,927 |
| Total domestic deposits to total assets | 78.3149% | 5,125 |
| Equity capital to assets | 11.6138% | 2,409 |
| Core capital (leverage) ratio | 10.1756% | 3,407 |
| Tier 1 risk-based capital ratio | 14.1963% | 3,730 |
| Total risk-based capital ratio | 15.3963% | 3,702 |
| Memoranda: | ||
| Average total assets | $249,714,250 | 2,534 |
| Average earning assets | $227,031,500 | 2,550 |
| Average equity | $27,525,500 | 2,514 |
| Average total loans | $157,568,000 | 2,509 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,388 |
| Cost of funding earning assets | 0.4383% | 2,862 |
| Net interest margin | 3.2674% | 4,429 |
| Noninterest income to average assets | 0.4460% | 3,734 |
| Noninterest expense to average assets | 1.8941% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4872% | 919 |
| Return on assets (ROA) | 1.4872% | 967 |
| Pretax return on assets | 1.5079% | 1,627 |
| Return on Equity (ROE) | 13.7335% | 958 |
| Retained earnings to average equity (ytd only) | 11.2285% | 477 |
| Net charge-offs to loans | -0.0038% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3771% | 5,628 |
| Assets per employee ($millions) | 6.0815% | 1,291 |
| Cash dividends to net income (ytd only)* | 18.2403% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,843 |
| Loan loss allowance to noncurrent loans | 743.4028% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 5,319 |
| Noncurrent loans to loans | 0.1859% | 5,036 |
| Net loans and leases to total assets | 61.2834% | 3,656 |
| Net loans and leases to deposits | 77.7894% | 3,058 |
| Net loans and leases to core deposits | 83.2130% | 3,058 |
| Total domestic deposits to total assets | 78.7812% | 5,140 |
| Equity capital to assets | 11.1406% | 2,730 |
| Core capital (leverage) ratio | 10.1961% | 3,342 |
| Tier 1 risk-based capital ratio | 14.0832% | 3,872 |
| Total risk-based capital ratio | 15.3021% | 3,837 |
| Memoranda: | ||
| Average total assets | $250,676,330 | 2,547 |
| Average earning assets | $226,784,670 | 2,572 |
| Average equity | $27,145,330 | 2,556 |
| Average total loans | $158,377,670 | 2,499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,511 |
| Cost of funding earning assets | 0.4446% | 2,830 |
| Net interest margin | 3.2128% | 4,560 |
| Noninterest income to average assets | 0.4552% | 3,602 |
| Noninterest expense to average assets | 1.9002% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4339% | 975 |
| Return on assets (ROA) | 1.4339% | 1,028 |
| Pretax return on assets | 1.4530% | 1,716 |
| Return on Equity (ROE) | 13.4332% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.4332% | 403 |
| Net charge-offs to loans | -0.0150% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3427% | 5,648 |
| Assets per employee ($millions) | 5.8461% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,964 |
| Loan loss allowance to noncurrent loans | 765.7143% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 5,340 |
| Noncurrent loans to loans | 0.1814% | 5,129 |
| Net loans and leases to total assets | 63.4987% | 3,161 |
| Net loans and leases to deposits | 80.5457% | 2,498 |
| Net loans and leases to core deposits | 86.5392% | 2,491 |
| Total domestic deposits to total assets | 78.8356% | 5,293 |
| Equity capital to assets | 11.4694% | 2,493 |
| Core capital (leverage) ratio | 9.9313% | 3,697 |
| Tier 1 risk-based capital ratio | 15.0223% | 3,421 |
| Total risk-based capital ratio | 16.2730% | 3,352 |
| Memoranda: | ||
| Average total assets | $251,344,500 | 2,548 |
| Average earning assets | $226,721,000 | 2,587 |
| Average equity | $26,829,000 | 2,599 |
| Average total loans | $160,094,000 | 2,490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,450 |
| Cost of funding earning assets | 0.5114% | 2,562 |
| Net interest margin | 3.3021% | 4,553 |
| Noninterest income to average assets | 0.5082% | 3,444 |
| Noninterest expense to average assets | 1.9330% | 5,888 |
| Loan and lease loss provision to assets | 0.0668% | 3,161 |
| Net operating income to assets | 1.4247% | 1,033 |
| Return on assets (ROA) | 1.4247% | 1,060 |
| Pretax return on assets | 1.4478% | 1,726 |
| Return on Equity (ROE) | 14.0173% | 932 |
| Retained earnings to average equity (ytd only) | 8.6030% | 797 |
| Net charge-offs to loans | 0.1220% | 2,807 |
| Credit loss provision to net charge-offs | 87.3016% | 2,697 |
| Earnings coverage of net charge-offs (x) | 19.8042% | 1,756 |
| Efficiency ratio | 53.7676% | 5,856 |
| Assets per employee ($millions) | 6.4146% | 1,106 |
| Cash dividends to net income (ytd only)* | 38.6254% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,488 |
| Loan loss allowance to noncurrent loans | 689.6774% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,426 |
| Noncurrent loans to loans | 0.1869% | 5,161 |
| Net loans and leases to total assets | 62.2459% | 3,467 |
| Net loans and leases to deposits | 79.6956% | 2,758 |
| Net loans and leases to core deposits | 81.7598% | 3,135 |
| Total domestic deposits to total assets | 78.1045% | 5,421 |
| Equity capital to assets | 9.9495% | 4,180 |
| Core capital (leverage) ratio | 9.1107% | 4,810 |
| Tier 1 risk-based capital ratio | 12.6384% | 4,953 |
| Total risk-based capital ratio | 13.8358% | 4,900 |
| Memoranda: | ||
| Average total assets | $247,134,800 | 2,550 |
| Average earning assets | $219,982,000 | 2,625 |
| Average equity | $25,119,000 | 2,648 |
| Average total loans | $154,869,600 | 2,499 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,487 |
| Cost of funding earning assets | 0.5298% | 2,466 |
| Net interest margin | 3.2864% | 4,656 |
| Noninterest income to average assets | 0.5138% | 3,452 |
| Noninterest expense to average assets | 1.9602% | 5,843 |
| Loan and lease loss provision to assets | 0.0576% | 3,217 |
| Net operating income to assets | 1.4037% | 1,126 |
| Return on assets (ROA) | 1.4037% | 1,168 |
| Pretax return on assets | 1.4245% | 1,910 |
| Return on Equity (ROE) | 13.7315% | 1,042 |
| Retained earnings to average equity (ytd only) | 9.1722% | 934 |
| Net charge-offs to loans | 0.1481% | 2,304 |
| Credit loss provision to net charge-offs | 62.1302% | 2,908 |
| Earnings coverage of net charge-offs (x) | 15.9939% | 2,016 |
| Efficiency ratio | 54.6034% | 5,767 |
| Assets per employee ($millions) | 5.8829% | 1,423 |
| Cash dividends to net income (ytd only)* | 33.2033% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 3,224 |
| Loan loss allowance to noncurrent loans | 404.2389% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,288 |
| Noncurrent loans to loans | 0.3441% | 4,867 |
| Net loans and leases to total assets | 60.1956% | 3,753 |
| Net loans and leases to deposits | 76.7582% | 3,102 |
| Net loans and leases to core deposits | 81.1117% | 3,189 |
| Total domestic deposits to total assets | 78.4225% | 5,447 |
| Equity capital to assets | 10.4087% | 3,675 |
| Core capital (leverage) ratio | 9.1424% | 4,862 |
| Tier 1 risk-based capital ratio | 13.3683% | 4,626 |
| Total risk-based capital ratio | 14.6186% | 4,561 |
| Memoranda: | ||
| Average total assets | $243,168,750 | 2,601 |
| Average earning assets | $216,683,500 | 2,663 |
| Average equity | $24,857,000 | 2,684 |
| Average total loans | $152,126,000 | 2,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,435 |
| Cost of funding earning assets | 0.5299% | 2,541 |
| Net interest margin | 3.2935% | 4,616 |
| Noninterest income to average assets | 0.4821% | 3,616 |
| Noninterest expense to average assets | 1.9639% | 5,889 |
| Loan and lease loss provision to assets | 0.0868% | 2,575 |
| Net operating income to assets | 1.3536% | 1,178 |
| Return on assets (ROA) | 1.3536% | 1,224 |
| Pretax return on assets | 1.3710% | 2,000 |
| Return on Equity (ROE) | 13.3252% | 1,089 |
| Retained earnings to average equity (ytd only) | 9.9878% | 719 |
| Net charge-offs to loans | 0.0354% | 3,502 |
| Credit loss provision to net charge-offs | 388.8889% | 708 |
| Earnings coverage of net charge-offs (x) | 65.2963% | 761 |
| Efficiency ratio | 55.0266% | 5,829 |
| Assets per employee ($millions) | 6.0545% | 1,250 |
| Cash dividends to net income (ytd only)* | 25.0458% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 2,966 |
| Loan loss allowance to noncurrent loans | 395.0617% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 5,335 |
| Noncurrent loans to loans | 0.3763% | 4,865 |
| Net loans and leases to total assets | 61.2888% | 3,524 |
| Net loans and leases to deposits | 76.6757% | 2,968 |
| Net loans and leases to core deposits | 80.2105% | 3,188 |
| Total domestic deposits to total assets | 79.9325% | 5,255 |
| Equity capital to assets | 10.4514% | 3,499 |
| Core capital (leverage) ratio | 9.0642% | 4,919 |
| Tier 1 risk-based capital ratio | 13.4115% | 4,642 |
| Total risk-based capital ratio | 14.6633% | 4,587 |
| Memoranda: | ||
| Average total assets | $241,864,670 | 2,622 |
| Average earning assets | $215,881,000 | 2,677 |
| Average equity | $24,570,000 | 2,705 |
| Average total loans | $152,558,000 | 2,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,784 |
| Cost of funding earning assets | 0.5212% | 2,701 |
| Net interest margin | 3.1973% | 4,927 |
| Noninterest income to average assets | 0.4683% | 3,645 |
| Noninterest expense to average assets | 1.9759% | 5,933 |
| Loan and lease loss provision to assets | 0.1738% | 1,392 |
| Net operating income to assets | 1.1617% | 1,589 |
| Return on assets (ROA) | 1.1617% | 1,660 |
| Pretax return on assets | 1.1915% | 2,518 |
| Return on Equity (ROE) | 11.6035% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.6035% | 663 |
| Net charge-offs to loans | 0.0521% | 2,657 |
| Credit loss provision to net charge-offs | 525.0000% | 522 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 860 |
| Efficiency ratio | 56.7112% | 5,779 |
| Assets per employee ($millions) | 5.9843% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 3,308 |
| Loan loss allowance to noncurrent loans | 287.3402% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 5,108 |
| Noncurrent loans to loans | 0.5099% | 4,637 |
| Net loans and leases to total assets | 63.1309% | 3,051 |
| Net loans and leases to deposits | 79.2533% | 2,398 |
| Net loans and leases to core deposits | 83.1615% | 2,624 |
| Total domestic deposits to total assets | 79.6571% | 5,555 |
| Equity capital to assets | 10.2991% | 3,474 |
| Core capital (leverage) ratio | 9.0252% | 4,972 |
| Tier 1 risk-based capital ratio | 13.2826% | 4,833 |
| Total risk-based capital ratio | 14.5348% | 4,764 |
| Memoranda: | ||
| Average total assets | $241,708,000 | 2,627 |
| Average earning assets | $217,185,000 | 2,673 |
| Average equity | $24,199,500 | 2,735 |
| Average total loans | $153,503,000 | 2,541 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,843 |
| Cost of funding earning assets | 0.6597% | 2,128 |
| Net interest margin | 3.9494% | 2,108 |
| Noninterest income to average assets | 0.5318% | 3,540 |
| Noninterest expense to average assets | 1.8668% | 6,233 |
| Loan and lease loss provision to assets | 0.6498% | 368 |
| Net operating income to assets | 1.5157% | 792 |
| Return on assets (ROA) | 1.6131% | 693 |
| Pretax return on assets | 1.6388% | 1,079 |
| Return on Equity (ROE) | 13.5035% | 1,065 |
| Retained earnings to average equity (ytd only) | -15.8105% | 6,627 |
| Net charge-offs to loans | 0.0264% | 4,894 |
| Credit loss provision to net charge-offs | 4,057.8947% | 48 |
| Earnings coverage of net charge-offs (x) | 136.7105% | 340 |
| Efficiency ratio | 43.9896% | 6,619 |
| Assets per employee ($millions) | 5.9523% | 1,299 |
| Cash dividends to net income (ytd only)* | 217.0846% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 3,621 |
| Loan loss allowance to noncurrent loans | 393.8069% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 5,479 |
| Noncurrent loans to loans | 0.3573% | 5,116 |
| Net loans and leases to total assets | 62.0705% | 3,350 |
| Net loans and leases to deposits | 76.8493% | 2,875 |
| Net loans and leases to core deposits | 79.6354% | 3,170 |
| Total domestic deposits to total assets | 80.7691% | 5,251 |
| Equity capital to assets | 9.7302% | 4,132 |
| Core capital (leverage) ratio | 8.5157% | 5,654 |
| Tier 1 risk-based capital ratio | 12.7045% | 5,171 |
| Total risk-based capital ratio | 13.9562% | 5,117 |
| Memoranda: | ||
| Average total assets | $237,304,800 | 2,646 |
| Average earning assets | $211,755,800 | 2,703 |
| Average equity | $28,348,200 | 2,352 |
| Average total loans | $144,088,400 | 2,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 1,374 |
| Cost of funding earning assets | 0.6914% | 2,009 |
| Net interest margin | 4.0975% | 1,640 |
| Noninterest income to average assets | 0.5364% | 3,548 |
| Noninterest expense to average assets | 1.8504% | 6,257 |
| Loan and lease loss provision to assets | 0.6355% | 363 |
| Net operating income to assets | 1.6709% | 652 |
| Return on assets (ROA) | 1.7757% | 578 |
| Pretax return on assets | 1.8017% | 908 |
| Return on Equity (ROE) | 14.1833% | 953 |
| Retained earnings to average equity (ytd only) | 1.9797% | 5,141 |
| Net charge-offs to loans | 0.0122% | 4,896 |
| Credit loss provision to net charge-offs | 8,638.4615% | 30 |
| Earnings coverage of net charge-offs (x) | 316.9763% | 186 |
| Efficiency ratio | 42.2598% | 6,699 |
| Assets per employee ($millions) | 5.8451% | 1,345 |
| Cash dividends to net income (ytd only)* | 86.0420% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 4,791 |
| Loan loss allowance to noncurrent loans | 310.7206% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 5,636 |
| Noncurrent loans to loans | 0.3922% | 5,218 |
| Net loans and leases to total assets | 59.8006% | 3,728 |
| Net loans and leases to deposits | 74.8822% | 3,103 |
| Net loans and leases to core deposits | 79.0102% | 3,228 |
| Total domestic deposits to total assets | 79.8596% | 5,542 |
| Equity capital to assets | 11.8849% | 1,991 |
| Core capital (leverage) ratio | 10.6747% | 2,813 |
| Tier 1 risk-based capital ratio | 16.6553% | 2,879 |
| Total risk-based capital ratio | 17.8294% | 2,871 |
| Memoranda: | ||
| Average total assets | $235,619,750 | 2,681 |
| Average earning assets | $209,619,750 | 2,747 |
| Average equity | $29,498,750 | 2,307 |
| Average total loans | $141,700,000 | 2,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 696 |
| Cost of funding earning assets | 0.7128% | 1,980 |
| Net interest margin | 4.4374% | 792 |
| Noninterest income to average assets | 0.5336% | 3,619 |
| Noninterest expense to average assets | 1.8858% | 6,246 |
| Loan and lease loss provision to assets | 0.9075% | 212 |
| Net operating income to assets | 1.6586% | 676 |
| Return on assets (ROA) | 1.8167% | 539 |
| Pretax return on assets | 1.8431% | 836 |
| Return on Equity (ROE) | 14.2638% | 953 |
| Retained earnings to average equity (ytd only) | -1.4881% | 6,123 |
| Net charge-offs to loans | 0.0057% | 4,783 |
| Credit loss provision to net charge-offs | 26,575.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 758.7500% | 52 |
| Efficiency ratio | 40.2746% | 6,794 |
| Assets per employee ($millions) | 5.7478% | 1,384 |
| Cash dividends to net income (ytd only)* | 110.4323% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 4,996 |
| Loan loss allowance to noncurrent loans | 252.8719% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,372 |
| Noncurrent loans to loans | 0.4744% | 5,076 |
| Net loans and leases to total assets | 60.0011% | 3,657 |
| Net loans and leases to deposits | 75.2886% | 2,971 |
| Net loans and leases to core deposits | 79.4965% | 3,087 |
| Total domestic deposits to total assets | 79.6948% | 5,668 |
| Equity capital to assets | 12.0322% | 1,896 |
| Core capital (leverage) ratio | 10.5194% | 2,859 |
| Tier 1 risk-based capital ratio | 16.5663% | 2,905 |
| Total risk-based capital ratio | 17.7334% | 2,899 |
| Memoranda: | ||
| Average total assets | $234,277,000 | 2,702 |
| Average earning assets | $208,185,670 | 2,766 |
| Average equity | $29,837,670 | 2,282 |
| Average total loans | $140,573,670 | 2,708 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 3,197 |
| Cost of funding earning assets | 0.7542% | 1,810 |
| Net interest margin | 3.4713% | 3,817 |
| Noninterest income to average assets | 0.4795% | 3,928 |
| Noninterest expense to average assets | 1.9299% | 6,229 |
| Loan and lease loss provision to assets | 0.0685% | 3,488 |
| Net operating income to assets | 1.5292% | 804 |
| Return on assets (ROA) | 1.5292% | 878 |
| Pretax return on assets | 1.5549% | 1,414 |
| Return on Equity (ROE) | 11.6812% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.6812% | 753 |
| Net charge-offs to loans | 0.0115% | 3,914 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 168 |
| Efficiency ratio | 51.9518% | 6,386 |
| Assets per employee ($millions) | 5.5390% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5022% | 6,788 |
| Loan loss allowance to noncurrent loans | 79.2237% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 5,435 |
| Noncurrent loans to loans | 0.6340% | 4,863 |
| Net loans and leases to total assets | 59.0983% | 3,583 |
| Net loans and leases to deposits | 74.9842% | 2,775 |
| Net loans and leases to core deposits | 79.2709% | 2,891 |
| Total domestic deposits to total assets | 78.8143% | 5,992 |
| Equity capital to assets | 13.3727% | 1,259 |
| Core capital (leverage) ratio | 11.0923% | 2,187 |
| Tier 1 risk-based capital ratio | 18.0204% | 2,347 |
| Total risk-based capital ratio | 18.5121% | 2,626 |
| Memoranda: | ||
| Average total assets | $233,586,000 | 2,740 |
| Average earning assets | $206,840,500 | 2,824 |
| Average equity | $30,579,000 | 2,269 |
| Average total loans | $139,303,000 | 2,739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 4,123 |
| Cost of funding earning assets | 0.7716% | 2,902 |
| Net interest margin | 3.5485% | 4,308 |
| Noninterest income to average assets | 0.5658% | 3,473 |
| Noninterest expense to average assets | 1.9900% | 6,346 |
| Loan and lease loss provision to assets | 0.1036% | 4,347 |
| Net operating income to assets | 1.6245% | 725 |
| Return on assets (ROA) | 1.6245% | 802 |
| Pretax return on assets | 1.6499% | 1,264 |
| Return on Equity (ROE) | 12.9040% | 1,254 |
| Retained earnings to average equity (ytd only) | 6.0475% | 2,051 |
| Net charge-offs to loans | 0.0160% | 5,688 |
| Credit loss provision to net charge-offs | 1,090.9091% | 242 |
| Earnings coverage of net charge-offs (x) | 184.6818% | 225 |
| Efficiency ratio | 50.8992% | 6,531 |
| Assets per employee ($millions) | 5.4543% | 1,726 |
| Cash dividends to net income (ytd only)* | 53.1350% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 6,856 |
| Loan loss allowance to noncurrent loans | 50.0761% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 4,968 |
| Noncurrent loans to loans | 0.9357% | 4,318 |
| Net loans and leases to total assets | 59.5943% | 3,673 |
| Net loans and leases to deposits | 75.0829% | 2,947 |
| Net loans and leases to core deposits | 79.2948% | 3,111 |
| Total domestic deposits to total assets | 79.3714% | 5,810 |
| Equity capital to assets | 12.8118% | 1,538 |
| Core capital (leverage) ratio | 10.6297% | 2,623 |
| Tier 1 risk-based capital ratio | 17.0629% | 2,619 |
| Total risk-based capital ratio | 17.5213% | 2,974 |
| Memoranda: | ||
| Average total assets | $231,705,400 | 2,703 |
| Average earning assets | $207,498,200 | 2,772 |
| Average equity | $29,169,200 | 2,306 |
| Average total loans | $137,102,000 | 2,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 4,606 |
| Cost of funding earning assets | 0.7893% | 3,034 |
| Net interest margin | 3.4714% | 4,749 |
| Noninterest income to average assets | 0.5662% | 3,500 |
| Noninterest expense to average assets | 2.0017% | 6,353 |
| Loan and lease loss provision to assets | 0.1039% | 4,277 |
| Net operating income to assets | 1.5659% | 922 |
| Return on assets (ROA) | 1.5659% | 1,015 |
| Pretax return on assets | 1.5907% | 1,605 |
| Return on Equity (ROE) | 12.4950% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.5866% | 2,972 |
| Net charge-offs to loans | 0.0147% | 5,487 |
| Credit loss provision to net charge-offs | 1,200.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 195.7285% | 230 |
| Efficiency ratio | 51.8582% | 6,460 |
| Assets per employee ($millions) | 5.5556% | 1,580 |
| Cash dividends to net income (ytd only)* | 55.2894% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4396% | 6,987 |
| Loan loss allowance to noncurrent loans | 46.9356% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 5,231 |
| Noncurrent loans to loans | 0.9366% | 4,561 |
| Net loans and leases to total assets | 58.7248% | 4,005 |
| Net loans and leases to deposits | 74.6149% | 3,203 |
| Net loans and leases to core deposits | 80.3576% | 3,157 |
| Total domestic deposits to total assets | 78.7039% | 5,934 |
| Equity capital to assets | 12.7722% | 1,730 |
| Core capital (leverage) ratio | 10.4864% | 2,929 |
| Tier 1 risk-based capital ratio | 17.1157% | 2,686 |
| Total risk-based capital ratio | 17.5490% | 3,079 |
| Memoranda: | ||
| Average total assets | $230,998,250 | 2,743 |
| Average earning assets | $208,290,000 | 2,785 |
| Average equity | $28,949,500 | 2,337 |
| Average total loans | $136,270,750 | 2,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 4,777 |
| Cost of funding earning assets | 0.8001% | 3,189 |
| Net interest margin | 3.4452% | 4,901 |
| Noninterest income to average assets | 0.5543% | 3,559 |
| Noninterest expense to average assets | 2.0181% | 6,397 |
| Loan and lease loss provision to assets | 0.1042% | 4,223 |
| Net operating income to assets | 1.5272% | 950 |
| Return on assets (ROA) | 1.5272% | 1,067 |
| Pretax return on assets | 1.5516% | 1,707 |
| Return on Equity (ROE) | 12.2657% | 1,588 |
| Retained earnings to average equity (ytd only) | 5.2886% | 3,103 |
| Net charge-offs to loans | 0.0133% | 5,260 |
| Credit loss provision to net charge-offs | 1,333.3333% | 245 |
| Earnings coverage of net charge-offs (x) | 211.7778% | 211 |
| Efficiency ratio | 52.6129% | 6,452 |
| Assets per employee ($millions) | 5.2470% | 1,871 |
| Cash dividends to net income (ytd only)* | 56.8828% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4208% | 7,070 |
| Loan loss allowance to noncurrent loans | 51.3035% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 5,579 |
| Noncurrent loans to loans | 0.8202% | 4,878 |
| Net loans and leases to total assets | 57.7952% | 4,200 |
| Net loans and leases to deposits | 73.7844% | 3,327 |
| Net loans and leases to core deposits | 79.9359% | 3,228 |
| Total domestic deposits to total assets | 78.3298% | 6,096 |
| Equity capital to assets | 12.9147% | 1,559 |
| Core capital (leverage) ratio | 10.4152% | 2,903 |
| Tier 1 risk-based capital ratio | 17.5341% | 2,466 |
| Total risk-based capital ratio | 17.9472% | 2,761 |
| Memoranda: | ||
| Average total assets | $230,219,670 | 2,749 |
| Average earning assets | $208,466,000 | 2,782 |
| Average equity | $28,665,330 | 2,349 |
| Average total loans | $135,817,670 | 2,820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 4,669 |
| Cost of funding earning assets | 0.8019% | 3,461 |
| Net interest margin | 3.5163% | 4,611 |
| Noninterest income to average assets | 0.5006% | 3,905 |
| Noninterest expense to average assets | 1.9714% | 6,518 |
| Loan and lease loss provision to assets | 0.1032% | 4,045 |
| Net operating income to assets | 1.5792% | 895 |
| Return on assets (ROA) | 1.5792% | 1,001 |
| Pretax return on assets | 1.6016% | 1,570 |
| Return on Equity (ROE) | 12.9164% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.9164% | 693 |
| Net charge-offs to loans | 0.0289% | 4,284 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 99.1000% | 349 |
| Efficiency ratio | 51.3336% | 6,595 |
| Assets per employee ($millions) | 5.6019% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3688% | 7,146 |
| Loan loss allowance to noncurrent loans | 49.3952% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 5,363 |
| Noncurrent loans to loans | 0.7467% | 5,172 |
| Net loans and leases to total assets | 57.6304% | 4,106 |
| Net loans and leases to deposits | 73.8516% | 3,134 |
| Net loans and leases to core deposits | 80.1673% | 3,053 |
| Total domestic deposits to total assets | 78.0354% | 6,257 |
| Equity capital to assets | 12.5841% | 1,666 |
| Core capital (leverage) ratio | 10.5170% | 2,731 |
| Tier 1 risk-based capital ratio | 15.4570% | 3,472 |
| Total risk-based capital ratio | 15.7793% | 4,038 |
| Memoranda: | ||
| Average total assets | $232,520,000 | 2,744 |
| Average earning assets | $209,996,000 | 2,773 |
| Average equity | $28,429,000 | 2,367 |
| Average total loans | $138,252,500 | 2,808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 5,315 |
| Cost of funding earning assets | 0.8623% | 4,376 |
| Net interest margin | 3.5669% | 4,861 |
| Noninterest income to average assets | 0.5430% | 3,561 |
| Noninterest expense to average assets | 2.0444% | 6,594 |
| Loan and lease loss provision to assets | 0.1109% | 5,202 |
| Net operating income to assets | 1.5828% | 691 |
| Return on assets (ROA) | 1.5828% | 754 |
| Pretax return on assets | 1.6014% | 1,194 |
| Return on Equity (ROE) | 14.7457% | 789 |
| Retained earnings to average equity (ytd only) | 6.3148% | 1,846 |
| Net charge-offs to loans | 0.0836% | 5,487 |
| Credit loss provision to net charge-offs | 207.6271% | 1,189 |
| Earnings coverage of net charge-offs (x) | 32.0678% | 807 |
| Efficiency ratio | 52.0597% | 6,694 |
| Assets per employee ($millions) | 5.8840% | 1,317 |
| Cash dividends to net income (ytd only)* | 57.1755% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3063% | 7,217 |
| Loan loss allowance to noncurrent loans | 53.7897% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 5,587 |
| Noncurrent loans to loans | 0.5694% | 5,573 |
| Net loans and leases to total assets | 60.8470% | 3,821 |
| Net loans and leases to deposits | 75.6476% | 3,229 |
| Net loans and leases to core deposits | 81.7292% | 3,224 |
| Total domestic deposits to total assets | 80.4347% | 5,615 |
| Equity capital to assets | 11.8775% | 2,212 |
| Core capital (leverage) ratio | 10.0229% | 3,309 |
| Tier 1 risk-based capital ratio | 15.0545% | 3,606 |
| Total risk-based capital ratio | 15.3485% | 4,208 |
| Memoranda: | ||
| Average total assets | $220,998,000 | 2,827 |
| Average earning assets | $199,111,200 | 2,870 |
| Average equity | $23,722,200 | 2,698 |
| Average total loans | $141,126,000 | 2,768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 5,571 |
| Cost of funding earning assets | 0.8735% | 4,614 |
| Net interest margin | 3.5381% | 5,031 |
| Noninterest income to average assets | 0.5452% | 3,549 |
| Noninterest expense to average assets | 2.1593% | 6,372 |
| Loan and lease loss provision to assets | 0.1135% | 5,004 |
| Net operating income to assets | 1.4467% | 1,059 |
| Return on assets (ROA) | 1.4467% | 1,131 |
| Pretax return on assets | 1.4620% | 1,755 |
| Return on Equity (ROE) | 13.8777% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.9948% | 1,510 |
| Net charge-offs to loans | 0.1110% | 4,898 |
| Credit loss provision to net charge-offs | 158.1197% | 1,962 |
| Earnings coverage of net charge-offs (x) | 21.9567% | 1,168 |
| Efficiency ratio | 55.4023% | 6,350 |
| Assets per employee ($millions) | 5.6436% | 1,471 |
| Cash dividends to net income (ytd only)* | 42.3909% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2715% | 7,301 |
| Loan loss allowance to noncurrent loans | 37.2434% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 5,160 |
| Noncurrent loans to loans | 0.7289% | 5,417 |
| Net loans and leases to total assets | 62.0021% | 3,720 |
| Net loans and leases to deposits | 77.8514% | 3,028 |
| Net loans and leases to core deposits | 83.8627% | 3,082 |
| Total domestic deposits to total assets | 79.6415% | 5,837 |
| Equity capital to assets | 12.3241% | 2,013 |
| Core capital (leverage) ratio | 10.3727% | 3,012 |
| Tier 1 risk-based capital ratio | 15.2508% | 3,517 |
| Total risk-based capital ratio | 15.5108% | 4,118 |
| Memoranda: | ||
| Average total assets | $217,407,250 | 2,874 |
| Average earning assets | $195,995,250 | 2,916 |
| Average equity | $22,664,000 | 2,818 |
| Average total loans | $140,495,000 | 2,802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 5,690 |
| Cost of funding earning assets | 0.8851% | 4,792 |
| Net interest margin | 3.5158% | 5,085 |
| Noninterest income to average assets | 0.5312% | 3,621 |
| Noninterest expense to average assets | 2.1712% | 6,451 |
| Loan and lease loss provision to assets | 0.1118% | 4,901 |
| Net operating income to assets | 1.4015% | 1,081 |
| Return on assets (ROA) | 1.4015% | 1,147 |
| Pretax return on assets | 1.4164% | 1,764 |
| Return on Equity (ROE) | 14.3614% | 905 |
| Retained earnings to average equity (ytd only) | 4.8126% | 3,110 |
| Net charge-offs to loans | 0.0014% | 5,867 |
| Credit loss provision to net charge-offs | 12,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,640.0000% | 7 |
| Efficiency ratio | 56.2217% | 6,399 |
| Assets per employee ($millions) | 5.2607% | 1,810 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 7,339 |
| Loan loss allowance to noncurrent loans | 31.2817% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 5,220 |
| Noncurrent loans to loans | 1.0005% | 4,999 |
| Net loans and leases to total assets | 63.7965% | 3,509 |
| Net loans and leases to deposits | 78.4267% | 3,051 |
| Net loans and leases to core deposits | 85.2157% | 3,043 |
| Total domestic deposits to total assets | 81.3454% | 5,407 |
| Equity capital to assets | 10.0390% | 4,091 |
| Core capital (leverage) ratio | 8.1133% | 6,143 |
| Tier 1 risk-based capital ratio | 12.0451% | 5,752 |
| Total risk-based capital ratio | 12.3487% | 6,441 |
| Memoranda: | ||
| Average total assets | $214,628,330 | 2,916 |
| Average earning assets | $193,414,330 | 2,952 |
| Average equity | $20,945,000 | 3,008 |
| Average total loans | $140,544,330 | 2,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 6,239 |
| Cost of funding earning assets | 0.8992% | 4,928 |
| Net interest margin | 3.3198% | 5,709 |
| Noninterest income to average assets | 0.5157% | 3,760 |
| Noninterest expense to average assets | 2.1990% | 6,424 |
| Loan and lease loss provision to assets | 0.1121% | 4,613 |
| Net operating income to assets | 1.1920% | 1,544 |
| Return on assets (ROA) | 1.1920% | 1,589 |
| Pretax return on assets | 1.2051% | 2,352 |
| Return on Equity (ROE) | 12.3938% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.3938% | 681 |
| Net charge-offs to loans | -0.0169% | 6,521 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9362% | 5,989 |
| Assets per employee ($millions) | 5.1377% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2722% | 7,417 |
| Loan loss allowance to noncurrent loans | 25.8880% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 5,292 |
| Noncurrent loans to loans | 1.0516% | 4,954 |
| Net loans and leases to total assets | 64.3400% | 3,381 |
| Net loans and leases to deposits | 77.3240% | 3,186 |
| Net loans and leases to core deposits | 83.5712% | 3,225 |
| Total domestic deposits to total assets | 83.2083% | 4,849 |
| Equity capital to assets | 9.7801% | 4,057 |
| Core capital (leverage) ratio | 8.1532% | 6,047 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,690 |
| Total risk-based capital ratio | 12.2662% | 6,482 |
| Memoranda: | ||
| Average total assets | $214,098,000 | 2,949 |
| Average earning assets | $193,508,500 | 2,967 |
| Average equity | $20,591,000 | 3,038 |
| Average total loans | $141,799,500 | 2,849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 7,314 |
| Cost of funding earning assets | 0.7352% | 6,777 |
| Net interest margin | 2.9457% | 6,828 |
| Noninterest income to average assets | 0.4850% | 4,284 |
| Noninterest expense to average assets | 1.8992% | 7,165 |
| Loan and lease loss provision to assets | 0.1484% | 5,711 |
| Net operating income to assets | 1.0626% | 1,831 |
| Return on assets (ROA) | 1.0626% | 1,920 |
| Pretax return on assets | 1.0801% | 2,660 |
| Return on Equity (ROE) | 11.8498% | 1,349 |
| Retained earnings to average equity (ytd only) | 11.8498% | 286 |
| Net charge-offs to loans | -0.0049% | 7,263 |
| Credit loss provision to net charge-offs | -4,371.4286% | 7,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7226% | 5,934 |
| Assets per employee ($millions) | 4.6176% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2168% | 7,518 |
| Loan loss allowance to noncurrent loans | 23.0316% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 5,461 |
| Noncurrent loans to loans | 0.9412% | 5,163 |
| Net loans and leases to total assets | 67.8265% | 3,022 |
| Net loans and leases to deposits | 80.7419% | 3,038 |
| Net loans and leases to core deposits | 86.2220% | 3,290 |
| Total domestic deposits to total assets | 84.0041% | 4,362 |
| Equity capital to assets | 9.4524% | 4,463 |
| Core capital (leverage) ratio | 7.9713% | 6,242 |
| Tier 1 risk-based capital ratio | 11.1389% | 6,223 |
| Total risk-based capital ratio | 11.3497% | 6,919 |
| Memoranda: | ||
| Average total assets | $206,193,000 | 3,028 |
| Average earning assets | $184,982,800 | 3,064 |
| Average equity | $18,489,800 | 3,358 |
| Average total loans | $141,451,400 | 2,918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 7,530 |
| Cost of funding earning assets | 0.6577% | 7,161 |
| Net interest margin | 2.8502% | 7,077 |
| Noninterest income to average assets | 0.5036% | 4,155 |
| Noninterest expense to average assets | 1.7696% | 7,361 |
| Loan and lease loss provision to assets | 0.1336% | 5,692 |
| Net operating income to assets | 1.1402% | 1,766 |
| Return on assets (ROA) | 1.1402% | 1,875 |
| Pretax return on assets | 1.1558% | 2,655 |
| Return on Equity (ROE) | 12.8962% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.8962% | 357 |
| Net charge-offs to loans | 0.1071% | 5,476 |
| Credit loss provision to net charge-offs | 181.4159% | 2,011 |
| Earnings coverage of net charge-offs (x) | 17.5136% | 1,322 |
| Efficiency ratio | 57.8488% | 6,294 |
| Assets per employee ($millions) | 4.9155% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0661% | 7,674 |
| Loan loss allowance to noncurrent loans | 5.8491% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 5,255 |
| Noncurrent loans to loans | 1.1296% | 4,976 |
| Net loans and leases to total assets | 68.1330% | 3,178 |
| Net loans and leases to deposits | 81.6239% | 3,169 |
| Net loans and leases to core deposits | 87.0981% | 3,507 |
| Total domestic deposits to total assets | 83.4719% | 4,391 |
| Equity capital to assets | 9.7162% | 4,523 |
| Core capital (leverage) ratio | 7.9039% | 6,462 |
| Tier 1 risk-based capital ratio | 10.5890% | 6,718 |
| Total risk-based capital ratio | 10.6509% | 7,284 |
| Memoranda: | ||
| Average total assets | $204,638,500 | 3,080 |
| Average earning assets | $183,465,250 | 3,131 |
| Average equity | $18,092,750 | 3,457 |
| Average total loans | $140,718,250 | 2,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 7,684 |
| Cost of funding earning assets | 0.8615% | 6,724 |
| Net interest margin | 2.3079% | 7,529 |
| Noninterest income to average assets | 0.3872% | 5,016 |
| Noninterest expense to average assets | 1.3331% | 7,697 |
| Loan and lease loss provision to assets | 0.0980% | 5,928 |
| Net operating income to assets | 1.0077% | 2,163 |
| Return on assets (ROA) | 1.0077% | 2,241 |
| Pretax return on assets | 1.0253% | 3,023 |
| Return on Equity (ROE) | 11.7908% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.7908% | 517 |
| Net charge-offs to loans | 0.1009% | 5,137 |
| Credit loss provision to net charge-offs | 140.8451% | 2,837 |
| Earnings coverage of net charge-offs (x) | 16.1408% | 1,416 |
| Efficiency ratio | 54.2698% | 6,850 |
| Assets per employee ($millions) | 4.9140% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0220% | 7,756 |
| Loan loss allowance to noncurrent loans | 1.9531% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 5,128 |
| Noncurrent loans to loans | 1.1259% | 5,075 |
| Net loans and leases to total assets | 66.0865% | 3,814 |
| Net loans and leases to deposits | 79.5374% | 3,680 |
| Net loans and leases to core deposits | 84.6815% | 4,044 |
| Total domestic deposits to total assets | 83.0886% | 4,536 |
| Equity capital to assets | 9.3179% | 4,979 |
| Core capital (leverage) ratio | 7.3539% | 6,952 |
| Tier 1 risk-based capital ratio | 10.2718% | 6,858 |
| Total risk-based capital ratio | 10.2929% | 7,417 |
| Memoranda: | ||
| Average total assets | $204,035,000 | 3,111 |
| Average earning assets | $182,935,000 | 3,161 |
| Average equity | $17,437,330 | 3,562 |
| Average total loans | $140,706,670 | 2,996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6987% | 7,886 |
| Cost of funding earning assets | 0.4625% | 7,720 |
| Net interest margin | 1.2362% | 7,860 |
| Noninterest income to average assets | 0.1696% | 6,757 |
| Noninterest expense to average assets | 0.6330% | 7,903 |
| Loan and lease loss provision to assets | 0.0493% | 6,170 |
| Net operating income to assets | 0.5896% | 3,938 |
| Return on assets (ROA) | 0.5896% | 4,085 |
| Pretax return on assets | 0.5994% | 4,607 |
| Return on Equity (ROE) | 7.2307% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.2307% | 2,036 |
| Net charge-offs to loans | -0.0028% | 6,774 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3846% | 7,351 |
| Assets per employee ($millions) | 4.7345% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0192% | 7,855 |
| Loan loss allowance to noncurrent loans | 1.9410% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 5,286 |
| Noncurrent loans to loans | 0.9869% | 5,349 |
| Net loans and leases to total assets | 69.2188% | 3,105 |
| Net loans and leases to deposits | 81.7633% | 3,329 |
| Net loans and leases to core deposits | 87.1738% | 3,721 |
| Total domestic deposits to total assets | 84.6575% | 3,826 |
| Equity capital to assets | 9.0031% | 5,276 |
| Core capital (leverage) ratio | 6.9789% | 7,267 |
| Tier 1 risk-based capital ratio | 10.0260% | 7,014 |
| Total risk-based capital ratio | 10.0454% | 7,538 |
| Memoranda: | ||
| Average total assets | $202,859,000 | 3,182 |
| Average earning assets | $182,493,000 | 3,228 |
| Average equity | $16,540,500 | 3,746 |
| Average total loans | $142,848,000 | 3,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 4,801 |
| Cost of funding earning assets | 1.5250% | 5,404 |
| Net interest margin | 3.8524% | 3,473 |
| Noninterest income to average assets | 0.6297% | 3,423 |
| Noninterest expense to average assets | 2.4274% | 6,382 |
| Loan and lease loss provision to assets | 0.1899% | 5,823 |
| Net operating income to assets | 1.1068% | 1,493 |
| Return on assets (ROA) | 1.1068% | 1,527 |
| Pretax return on assets | 1.5498% | 1,073 |
| Return on Equity (ROE) | 14.7752% | 695 |
| Retained earnings to average equity (ytd only) | 0.9601% | 4,361 |
| Net charge-offs to loans | 0.1534% | 5,733 |
| Credit loss provision to net charge-offs | 166.8182% | 2,594 |
| Earnings coverage of net charge-offs (x) | 15.2818% | 1,317 |
| Efficiency ratio | 54.8615% | 7,147 |
| Assets per employee ($millions) | 4.8127% | 2,463 |
| Cash dividends to net income (ytd only)* | 93.5016% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,900 |
| Loan loss allowance to noncurrent loans | 216.1840% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 6,064 |
| Noncurrent loans to loans | 0.4055% | 6,470 |
| Net loans and leases to total assets | 70.9835% | 3,010 |
| Net loans and leases to deposits | 79.9809% | 3,996 |
| Net loans and leases to core deposits | 91.2619% | 4,983 |
| Total domestic deposits to total assets | 88.7505% | 1,600 |
| Equity capital to assets | 7.2982% | 7,202 |
| Core capital (leverage) ratio | 7.2713% | 7,010 |
| Tier 1 risk-based capital ratio | 9.9560% | 6,911 |
| Total risk-based capital ratio | 10.8408% | 7,150 |
| Memoranda: | ||
| Average total assets | $193,252,200 | 3,256 |
| Average earning assets | $177,446,600 | 3,247 |
| Average equity | $14,477,000 | 4,152 |
| Average total loans | $143,451,200 | 3,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 4,927 |
| Cost of funding earning assets | 1.5963% | 5,419 |
| Net interest margin | 3.8081% | 3,621 |
| Noninterest income to average assets | 0.6463% | 3,372 |
| Noninterest expense to average assets | 2.4449% | 6,266 |
| Loan and lease loss provision to assets | 0.2247% | 5,173 |
| Net operating income to assets | 0.9590% | 2,202 |
| Return on assets (ROA) | 0.9590% | 2,261 |
| Pretax return on assets | 1.4782% | 1,479 |
| Return on Equity (ROE) | 12.7146% | 1,169 |
| Retained earnings to average equity (ytd only) | -5.7929% | 6,364 |
| Net charge-offs to loans | 0.1714% | 5,018 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 13.2607% | 1,688 |
| Efficiency ratio | 54.3497% | 7,202 |
| Assets per employee ($millions) | 4.6185% | 2,674 |
| Cash dividends to net income (ytd only)* | 145.5607% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,771 |
| Loan loss allowance to noncurrent loans | 132.4921% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 6,132 |
| Noncurrent loans to loans | 0.6762% | 5,947 |
| Net loans and leases to total assets | 71.8580% | 3,070 |
| Net loans and leases to deposits | 83.2878% | 3,777 |
| Net loans and leases to core deposits | 96.1854% | 4,793 |
| Total domestic deposits to total assets | 86.2767% | 2,554 |
| Equity capital to assets | 7.2204% | 7,472 |
| Core capital (leverage) ratio | 6.9366% | 7,471 |
| Tier 1 risk-based capital ratio | 9.8817% | 7,069 |
| Total risk-based capital ratio | 10.8030% | 7,294 |
| Memoranda: | ||
| Average total assets | $191,032,000 | 3,302 |
| Average earning assets | $175,655,750 | 3,303 |
| Average equity | $14,408,250 | 4,208 |
| Average total loans | $143,126,500 | 3,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 5,018 |
| Cost of funding earning assets | 1.6724% | 5,403 |
| Net interest margin | 3.7520% | 3,746 |
| Noninterest income to average assets | 0.6525% | 3,326 |
| Noninterest expense to average assets | 2.6140% | 5,690 |
| Loan and lease loss provision to assets | 0.1863% | 5,163 |
| Net operating income to assets | 0.8587% | 2,617 |
| Return on assets (ROA) | 0.8587% | 2,718 |
| Pretax return on assets | 1.3133% | 1,982 |
| Return on Equity (ROE) | 11.2224% | 1,639 |
| Retained earnings to average equity (ytd only) | -2.5305% | 5,872 |
| Net charge-offs to loans | 0.2084% | 4,212 |
| Credit loss provision to net charge-offs | 118.0000% | 3,935 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,123 |
| Efficiency ratio | 56.5618% | 7,046 |
| Assets per employee ($millions) | 4.6700% | 2,500 |
| Cash dividends to net income (ytd only)* | 122.5490% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 7,053 |
| Loan loss allowance to noncurrent loans | 92.2892% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 5,755 |
| Noncurrent loans to loans | 0.8986% | 5,414 |
| Net loans and leases to total assets | 70.0543% | 3,698 |
| Net loans and leases to deposits | 79.7875% | 4,576 |
| Net loans and leases to core deposits | 92.4440% | 5,301 |
| Total domestic deposits to total assets | 87.8012% | 1,867 |
| Equity capital to assets | 7.2417% | 7,456 |
| Core capital (leverage) ratio | 7.1150% | 7,440 |
| Tier 1 risk-based capital ratio | 10.3762% | 6,502 |
| Total risk-based capital ratio | 11.2305% | 6,879 |
| Memoranda: | ||
| Average total assets | $190,050,330 | 3,339 |
| Average earning assets | $175,318,330 | 3,324 |
| Average equity | $14,542,330 | 4,194 |
| Average total loans | $143,952,670 | 3,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 4,574 |
| Cost of funding earning assets | 1.7587% | 5,321 |
| Net interest margin | 3.8027% | 3,431 |
| Noninterest income to average assets | 0.6139% | 3,443 |
| Noninterest expense to average assets | 2.2737% | 6,622 |
| Loan and lease loss provision to assets | 0.2823% | 3,699 |
| Net operating income to assets | 1.1486% | 1,808 |
| Return on assets (ROA) | 1.1486% | 1,932 |
| Pretax return on assets | 1.5636% | 1,499 |
| Return on Equity (ROE) | 14.6008% | 1,052 |
| Retained earnings to average equity (ytd only) | 14.6008% | 459 |
| Net charge-offs to loans | 0.3000% | 2,914 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 7.8455% | 2,290 |
| Efficiency ratio | 55.1921% | 7,078 |
| Assets per employee ($millions) | 4.3611% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 7,148 |
| Loan loss allowance to noncurrent loans | 117.5745% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 5,787 |
| Noncurrent loans to loans | 0.6829% | 5,701 |
| Net loans and leases to total assets | 75.3686% | 2,412 |
| Net loans and leases to deposits | 86.1297% | 3,606 |
| Net loans and leases to core deposits | 98.9803% | 4,644 |
| Total domestic deposits to total assets | 87.5059% | 1,965 |
| Equity capital to assets | 8.0105% | 6,791 |
| Core capital (leverage) ratio | 7.7569% | 6,813 |
| Tier 1 risk-based capital ratio | 10.4191% | 6,478 |
| Total risk-based capital ratio | 11.2466% | 6,830 |
| Memoranda: | ||
| Average total assets | $187,004,500 | 3,398 |
| Average earning assets | $172,404,500 | 3,379 |
| Average equity | $14,711,500 | 4,192 |
| Average total loans | $146,651,500 | 3,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1985% | 4,526 |
| Cost of funding earning assets | 2.1922% | 5,634 |
| Net interest margin | 4.0062% | 3,084 |
| Noninterest income to average assets | 0.6361% | 3,591 |
| Noninterest expense to average assets | 2.5340% | 5,879 |
| Loan and lease loss provision to assets | 0.1084% | 5,988 |
| Net operating income to assets | 1.1546% | 1,926 |
| Return on assets (ROA) | 1.1546% | 1,851 |
| Pretax return on assets | 1.6435% | 1,279 |
| Return on Equity (ROE) | 15.0026% | 924 |
| Retained earnings to average equity (ytd only) | 9.0727% | 595 |
| Net charge-offs to loans | 0.1046% | 5,259 |
| Credit loss provision to net charge-offs | 135.7143% | 3,930 |
| Earnings coverage of net charge-offs (x) | 21.9357% | 1,504 |
| Efficiency ratio | 59.1242% | 6,511 |
| Assets per employee ($millions) | 4.3367% | 2,904 |
| Cash dividends to net income (ytd only)* | 39.5257% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 7,317 |
| Loan loss allowance to noncurrent loans | 218.7135% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 6,365 |
| Noncurrent loans to loans | 0.3401% | 6,354 |
| Net loans and leases to total assets | 80.2762% | 1,599 |
| Net loans and leases to deposits | 94.7828% | 2,650 |
| Net loans and leases to core deposits | 106.7989% | 4,106 |
| Total domestic deposits to total assets | 84.6949% | 2,981 |
| Equity capital to assets | 7.7225% | 7,179 |
| Core capital (leverage) ratio | 7.6289% | 7,034 |
| Tier 1 risk-based capital ratio | 9.3598% | 7,449 |
| Total risk-based capital ratio | 10.1183% | 7,898 |
| Memoranda: | ||
| Average total assets | $175,294,600 | 3,470 |
| Average earning assets | $159,700,800 | 3,477 |
| Average equity | $13,491,000 | 4,452 |
| Average total loans | $133,862,200 | 3,200 |