Home > MONUMENT BANK > Performance and Condition Ratios
MONUMENT 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 | 4.5042% | 1,525 |
| Cost of funding earning assets | 0.6214% | 1,194 |
| Net interest margin | 3.8828% | 2,043 |
| Noninterest income to average assets | -0.1874% | 5,965 |
| Noninterest expense to average assets | 3.5451% | 1,071 |
| Loan and lease loss provision to assets | 0.1115% | 2,065 |
| Net operating income to assets | -0.1131% | 5,763 |
| Return on assets (ROA) | -0.0978% | 5,774 |
| Pretax return on assets | -0.1055% | 5,773 |
| Return on Equity (ROE) | -1.1783% | 5,792 |
| Retained earnings to average equity (ytd only) | -1.5318% | 5,557 |
| Net charge-offs to loans | 0.0678% | 2,356 |
| Credit loss provision to net charge-offs | 211.2195% | 1,388 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 3,832 |
| Efficiency ratio | 100.2986% | 221 |
| Assets per employee ($millions) | 8.5561% | 474 |
| Cash dividends to net income (ytd only)* | -30.0010% | 5,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,547 |
| Loan loss allowance to noncurrent loans | 183.4947% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,737 |
| Noncurrent loans to loans | 0.5297% | 3,406 |
| Net loans and leases to total assets | 78.9828% | 1,042 |
| Net loans and leases to deposits | 94.3726% | 1,225 |
| Net loans and leases to core deposits | 107.2479% | 1,098 |
| Total domestic deposits to total assets | 83.6925% | 3,323 |
| Equity capital to assets | 7.7231% | 5,804 |
| Core capital (leverage) ratio | 7.4090% | 5,839 |
| Tier 1 risk-based capital ratio | 8.8499% | 5,923 |
| Total risk-based capital ratio | 11.0871% | 5,802 |
| Memoranda: | ||
| Average total assets | $517,967,250 | 1,328 |
| Average earning assets | $496,497,500 | 1,284 |
| Average equity | $42,997,250 | 1,732 |
| Average total loans | $403,079,250 | 1,196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 1,495 |
| Cost of funding earning assets | 0.5943% | 1,361 |
| Net interest margin | 3.9111% | 1,942 |
| Noninterest income to average assets | 0.1032% | 5,766 |
| Noninterest expense to average assets | 2.7526% | 3,185 |
| Loan and lease loss provision to assets | 0.1374% | 1,649 |
| Net operating income to assets | 0.5965% | 4,286 |
| Return on assets (ROA) | 0.5967% | 4,409 |
| Pretax return on assets | 0.9609% | 3,738 |
| Return on Equity (ROE) | 7.0273% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.5105% | 1,871 |
| Net charge-offs to loans | 0.1137% | 1,690 |
| Credit loss provision to net charge-offs | 156.5789% | 1,545 |
| Earnings coverage of net charge-offs (x) | 12.5088% | 2,179 |
| Efficiency ratio | 71.4857% | 2,747 |
| Assets per employee ($millions) | 8.2780% | 509 |
| Cash dividends to net income (ytd only)* | 7.3548% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,771 |
| Loan loss allowance to noncurrent loans | 131.8274% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 3,240 |
| Noncurrent loans to loans | 0.7181% | 2,934 |
| Net loans and leases to total assets | 75.4687% | 1,571 |
| Net loans and leases to deposits | 94.4914% | 1,240 |
| Net loans and leases to core deposits | 111.3227% | 861 |
| Total domestic deposits to total assets | 79.8683% | 4,576 |
| Equity capital to assets | 7.7224% | 5,874 |
| Core capital (leverage) ratio | 7.7863% | 5,821 |
| Tier 1 risk-based capital ratio | 9.2451% | 5,980 |
| Total risk-based capital ratio | 11.4616% | 5,716 |
| Memoranda: | ||
| Average total assets | $519,501,000 | 1,331 |
| Average earning assets | $497,757,000 | 1,289 |
| Average equity | $44,113,670 | 1,697 |
| Average total loans | $400,955,330 | 1,209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 1,259 |
| Cost of funding earning assets | 0.5529% | 1,677 |
| Net interest margin | 4.0502% | 1,479 |
| Noninterest income to average assets | 0.1403% | 5,647 |
| Noninterest expense to average assets | 2.7455% | 3,256 |
| Loan and lease loss provision to assets | 0.2368% | 764 |
| Net operating income to assets | 0.6256% | 4,076 |
| Return on assets (ROA) | 0.6256% | 4,193 |
| Pretax return on assets | 1.0349% | 3,338 |
| Return on Equity (ROE) | 7.0317% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.3532% | 2,203 |
| Net charge-offs to loans | 0.2321% | 883 |
| Credit loss provision to net charge-offs | 131.3043% | 1,359 |
| Earnings coverage of net charge-offs (x) | 7.0522% | 2,181 |
| Efficiency ratio | 68.3450% | 3,407 |
| Assets per employee ($millions) | 7.0386% | 880 |
| Cash dividends to net income (ytd only)* | 9.6491% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,885 |
| Loan loss allowance to noncurrent loans | 707.9630% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,903 |
| Noncurrent loans to loans | 0.1332% | 4,941 |
| Net loans and leases to total assets | 78.1330% | 1,085 |
| Net loans and leases to deposits | 99.1081% | 684 |
| Net loans and leases to core deposits | 114.9942% | 631 |
| Total domestic deposits to total assets | 78.8362% | 5,006 |
| Equity capital to assets | 8.9586% | 5,208 |
| Core capital (leverage) ratio | 9.0737% | 4,765 |
| Tier 1 risk-based capital ratio | 10.2458% | 5,849 |
| Total risk-based capital ratio | 11.0999% | 5,916 |
| Memoranda: | ||
| Average total assets | $510,216,000 | 1,355 |
| Average earning assets | $488,375,000 | 1,305 |
| Average equity | $45,394,500 | 1,664 |
| Average total loans | $396,455,000 | 1,211 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 1,283 |
| Cost of funding earning assets | 0.5537% | 1,731 |
| Net interest margin | 4.0666% | 1,496 |
| Noninterest income to average assets | 0.1454% | 5,685 |
| Noninterest expense to average assets | 2.9106% | 2,827 |
| Loan and lease loss provision to assets | 0.1959% | 1,110 |
| Net operating income to assets | 0.5637% | 4,447 |
| Return on assets (ROA) | 0.6340% | 4,206 |
| Pretax return on assets | 1.0141% | 3,401 |
| Return on Equity (ROE) | 7.1011% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.9707% | 1,293 |
| Net charge-offs to loans | 0.2492% | 1,209 |
| Credit loss provision to net charge-offs | 104.2035% | 2,408 |
| Earnings coverage of net charge-offs (x) | 5.8529% | 3,317 |
| Efficiency ratio | 72.5684% | 2,819 |
| Assets per employee ($millions) | 7.2373% | 807 |
| Cash dividends to net income (ytd only)* | 1.8367% | 4,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,786 |
| Loan loss allowance to noncurrent loans | 390.7292% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 4,584 |
| Noncurrent loans to loans | 0.2477% | 4,542 |
| Net loans and leases to total assets | 75.7726% | 1,455 |
| Net loans and leases to deposits | 96.2172% | 983 |
| Net loans and leases to core deposits | 106.8103% | 1,059 |
| Total domestic deposits to total assets | 78.7516% | 5,023 |
| Equity capital to assets | 8.8348% | 5,278 |
| Core capital (leverage) ratio | 9.0377% | 4,836 |
| Tier 1 risk-based capital ratio | 10.4343% | 5,805 |
| Total risk-based capital ratio | 11.3022% | 5,878 |
| Memoranda: | ||
| Average total assets | $480,903,800 | 1,402 |
| Average earning assets | $457,112,200 | 1,355 |
| Average equity | $42,936,800 | 1,705 |
| Average total loans | $362,801,800 | 1,253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,276 |
| Cost of funding earning assets | 0.5511% | 1,794 |
| Net interest margin | 4.0721% | 1,485 |
| Noninterest income to average assets | 0.1650% | 5,656 |
| Noninterest expense to average assets | 2.9739% | 2,599 |
| Loan and lease loss provision to assets | 0.2068% | 958 |
| Net operating income to assets | 0.5286% | 4,688 |
| Return on assets (ROA) | 0.6235% | 4,379 |
| Pretax return on assets | 0.9967% | 3,629 |
| Return on Equity (ROE) | 6.9644% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.8295% | 1,775 |
| Net charge-offs to loans | 0.2793% | 956 |
| Credit loss provision to net charge-offs | 98.5274% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.0267% | 3,261 |
| Efficiency ratio | 73.8109% | 2,593 |
| Assets per employee ($millions) | 7.2912% | 757 |
| Cash dividends to net income (ytd only)* | 1.9377% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 4,872 |
| Loan loss allowance to noncurrent loans | 242.4361% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 4,300 |
| Noncurrent loans to loans | 0.4014% | 4,177 |
| Net loans and leases to total assets | 74.8778% | 1,569 |
| Net loans and leases to deposits | 95.7952% | 1,030 |
| Net loans and leases to core deposits | 106.4704% | 1,066 |
| Total domestic deposits to total assets | 78.1645% | 5,153 |
| Equity capital to assets | 8.8286% | 5,463 |
| Core capital (leverage) ratio | 9.0042% | 4,992 |
| Tier 1 risk-based capital ratio | 10.4601% | 5,898 |
| Total risk-based capital ratio | 11.3339% | 5,968 |
| Memoranda: | ||
| Average total assets | $474,476,750 | 1,427 |
| Average earning assets | $450,237,500 | 1,383 |
| Average equity | $42,481,500 | 1,735 |
| Average total loans | $356,596,250 | 1,278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,135 |
| Cost of funding earning assets | 0.5403% | 1,904 |
| Net interest margin | 4.1270% | 1,285 |
| Noninterest income to average assets | 0.0417% | 6,195 |
| Noninterest expense to average assets | 2.9522% | 2,710 |
| Loan and lease loss provision to assets | 0.2288% | 822 |
| Net operating income to assets | 0.4888% | 4,818 |
| Return on assets (ROA) | 0.5885% | 4,493 |
| Pretax return on assets | 0.9296% | 3,849 |
| Return on Equity (ROE) | 6.5397% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.4059% | 1,996 |
| Net charge-offs to loans | 0.4159% | 620 |
| Credit loss provision to net charge-offs | 73.3793% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.2152% | 3,220 |
| Efficiency ratio | 74.6465% | 2,585 |
| Assets per employee ($millions) | 7.0491% | 822 |
| Cash dividends to net income (ytd only)* | 2.0468% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 5,072 |
| Loan loss allowance to noncurrent loans | 150.4274% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 2,368 |
| Noncurrent loans to loans | 0.6357% | 3,569 |
| Net loans and leases to total assets | 74.9517% | 1,510 |
| Net loans and leases to deposits | 97.2126% | 859 |
| Net loans and leases to core deposits | 108.4272% | 929 |
| Total domestic deposits to total assets | 77.1009% | 5,443 |
| Equity capital to assets | 8.8697% | 5,375 |
| Core capital (leverage) ratio | 9.2483% | 4,621 |
| Tier 1 risk-based capital ratio | 10.3006% | 5,995 |
| Total risk-based capital ratio | 11.1415% | 6,070 |
| Memoranda: | ||
| Average total assets | $464,938,000 | 1,464 |
| Average earning assets | $440,852,330 | 1,422 |
| Average equity | $41,836,670 | 1,764 |
| Average total loans | $348,659,330 | 1,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 1,027 |
| Cost of funding earning assets | 0.5354% | 1,967 |
| Net interest margin | 4.1697% | 1,132 |
| Noninterest income to average assets | 0.1603% | 5,776 |
| Noninterest expense to average assets | 3.0285% | 2,488 |
| Loan and lease loss provision to assets | 0.3787% | 324 |
| Net operating income to assets | 0.4363% | 4,924 |
| Return on assets (ROA) | 0.5654% | 4,525 |
| Pretax return on assets | 0.9053% | 3,871 |
| Return on Equity (ROE) | 6.2354% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.0994% | 2,434 |
| Net charge-offs to loans | 0.7104% | 330 |
| Credit loss provision to net charge-offs | 71.4286% | 1,900 |
| Earnings coverage of net charge-offs (x) | 2.0415% | 2,829 |
| Efficiency ratio | 73.6718% | 2,867 |
| Assets per employee ($millions) | 6.5255% | 1,062 |
| Cash dividends to net income (ytd only)* | 2.1807% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,841 |
| Loan loss allowance to noncurrent loans | 115.6056% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 2,201 |
| Noncurrent loans to loans | 0.8958% | 2,996 |
| Net loans and leases to total assets | 73.0331% | 1,649 |
| Net loans and leases to deposits | 97.1206% | 759 |
| Net loans and leases to core deposits | 108.1714% | 814 |
| Total domestic deposits to total assets | 75.1984% | 5,811 |
| Equity capital to assets | 8.9833% | 5,313 |
| Core capital (leverage) ratio | 9.1400% | 4,800 |
| Tier 1 risk-based capital ratio | 10.6071% | 5,980 |
| Total risk-based capital ratio | 11.5183% | 6,038 |
| Memoranda: | ||
| Average total assets | $454,214,500 | 1,500 |
| Average earning assets | $430,342,000 | 1,461 |
| Average equity | $41,184,500 | 1,785 |
| Average total loans | $338,952,000 | 1,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,520 |
| Cost of funding earning assets | 0.5494% | 2,209 |
| Net interest margin | 4.0641% | 1,697 |
| Noninterest income to average assets | 0.0276% | 6,346 |
| Noninterest expense to average assets | 2.8564% | 3,274 |
| Loan and lease loss provision to assets | 0.4243% | 409 |
| Net operating income to assets | 0.3754% | 5,306 |
| Return on assets (ROA) | 0.3780% | 5,369 |
| Pretax return on assets | 0.5998% | 4,941 |
| Return on Equity (ROE) | 4.0136% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.8205% | 3,497 |
| Net charge-offs to loans | 0.3135% | 1,404 |
| Credit loss provision to net charge-offs | 184.2105% | 1,325 |
| Earnings coverage of net charge-offs (x) | 4.4288% | 3,654 |
| Efficiency ratio | 73.6870% | 2,882 |
| Assets per employee ($millions) | 6.6435% | 977 |
| Cash dividends to net income (ytd only)* | 4.8100% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 4,514 |
| Loan loss allowance to noncurrent loans | 58.9459% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9921% | 1,282 |
| Noncurrent loans to loans | 1.8748% | 1,506 |
| Net loans and leases to total assets | 74.6498% | 1,470 |
| Net loans and leases to deposits | 98.4878% | 724 |
| Net loans and leases to core deposits | 110.8325% | 741 |
| Total domestic deposits to total assets | 75.7960% | 5,761 |
| Equity capital to assets | 9.1545% | 5,122 |
| Core capital (leverage) ratio | 8.8632% | 5,165 |
| Tier 1 risk-based capital ratio | 11.4165% | 5,706 |
| Total risk-based capital ratio | 12.4625% | 5,740 |
| Memoranda: | ||
| Average total assets | $445,484,800 | 1,487 |
| Average earning assets | $421,893,400 | 1,453 |
| Average equity | $41,957,400 | 1,712 |
| Average total loans | $327,253,200 | 1,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 1,637 |
| Cost of funding earning assets | 0.5458% | 2,331 |
| Net interest margin | 4.0260% | 1,803 |
| Noninterest income to average assets | 0.1439% | 6,051 |
| Noninterest expense to average assets | 2.9582% | 2,938 |
| Loan and lease loss provision to assets | 0.3040% | 639 |
| Net operating income to assets | 0.4373% | 5,118 |
| Return on assets (ROA) | 0.4327% | 5,213 |
| Pretax return on assets | 0.6885% | 4,738 |
| Return on Equity (ROE) | 4.5621% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.3602% | 3,551 |
| Net charge-offs to loans | 0.1571% | 2,239 |
| Credit loss provision to net charge-offs | 265.2742% | 1,005 |
| Earnings coverage of net charge-offs (x) | 8.7233% | 2,757 |
| Efficiency ratio | 74.7411% | 2,695 |
| Assets per employee ($millions) | 6.4443% | 1,051 |
| Cash dividends to net income (ytd only)* | 4.4259% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 5,113 |
| Loan loss allowance to noncurrent loans | 52.3287% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.0160% | 1,415 |
| Noncurrent loans to loans | 1.9531% | 1,630 |
| Net loans and leases to total assets | 73.7234% | 1,569 |
| Net loans and leases to deposits | 101.4664% | 524 |
| Net loans and leases to core deposits | 114.2127% | 581 |
| Total domestic deposits to total assets | 72.6579% | 6,119 |
| Equity capital to assets | 9.4487% | 4,863 |
| Core capital (leverage) ratio | 9.6938% | 4,085 |
| Tier 1 risk-based capital ratio | 11.9526% | 5,518 |
| Total risk-based capital ratio | 12.9132% | 5,613 |
| Memoranda: | ||
| Average total assets | $445,577,000 | 1,500 |
| Average earning assets | $422,109,000 | 1,460 |
| Average equity | $42,259,750 | 1,709 |
| Average total loans | $325,068,750 | 1,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,578 |
| Cost of funding earning assets | 0.5485% | 2,362 |
| Net interest margin | 4.0344% | 1,706 |
| Noninterest income to average assets | 0.1422% | 6,111 |
| Noninterest expense to average assets | 2.9195% | 3,102 |
| Loan and lease loss provision to assets | 0.2373% | 955 |
| Net operating income to assets | 0.5056% | 4,786 |
| Return on assets (ROA) | 0.4987% | 4,897 |
| Pretax return on assets | 0.7958% | 4,286 |
| Return on Equity (ROE) | 5.2509% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.0506% | 2,930 |
| Net charge-offs to loans | 0.2395% | 1,608 |
| Credit loss provision to net charge-offs | 136.8146% | 1,552 |
| Earnings coverage of net charge-offs (x) | 6.0183% | 2,832 |
| Efficiency ratio | 73.6602% | 3,033 |
| Assets per employee ($millions) | 6.5421% | 989 |
| Cash dividends to net income (ytd only)* | 3.8147% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 5,656 |
| Loan loss allowance to noncurrent loans | 48.6421% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.9595% | 1,642 |
| Noncurrent loans to loans | 1.8966% | 1,809 |
| Net loans and leases to total assets | 72.2055% | 1,705 |
| Net loans and leases to deposits | 94.6839% | 909 |
| Net loans and leases to core deposits | 107.8858% | 774 |
| Total domestic deposits to total assets | 76.2595% | 5,886 |
| Equity capital to assets | 9.6373% | 4,576 |
| Core capital (leverage) ratio | 9.6588% | 4,102 |
| Tier 1 risk-based capital ratio | 12.4519% | 5,260 |
| Total risk-based capital ratio | 13.3208% | 5,431 |
| Memoranda: | ||
| Average total assets | $441,588,000 | 1,520 |
| Average earning assets | $418,248,670 | 1,469 |
| Average equity | $41,935,670 | 1,709 |
| Average total loans | $319,825,000 | 1,361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,488 |
| Cost of funding earning assets | 0.5519% | 2,405 |
| Net interest margin | 4.0545% | 1,584 |
| Noninterest income to average assets | 0.1427% | 6,118 |
| Noninterest expense to average assets | 2.9040% | 3,200 |
| Loan and lease loss provision to assets | 0.2237% | 1,003 |
| Net operating income to assets | 0.5401% | 4,503 |
| Return on assets (ROA) | 0.5401% | 4,574 |
| Pretax return on assets | 0.8556% | 3,879 |
| Return on Equity (ROE) | 5.7299% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.5273% | 2,774 |
| Net charge-offs to loans | 0.5075% | 727 |
| Credit loss provision to net charge-offs | 61.0422% | 2,092 |
| Earnings coverage of net charge-offs (x) | 2.9454% | 2,763 |
| Efficiency ratio | 72.9057% | 3,322 |
| Assets per employee ($millions) | 6.7215% | 914 |
| Cash dividends to net income (ytd only)* | 3.5354% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 6,009 |
| Loan loss allowance to noncurrent loans | 54.1742% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 2,110 |
| Noncurrent loans to loans | 1.5677% | 2,466 |
| Net loans and leases to total assets | 69.8111% | 1,928 |
| Net loans and leases to deposits | 91.5256% | 990 |
| Net loans and leases to core deposits | 106.1022% | 752 |
| Total domestic deposits to total assets | 76.2749% | 6,049 |
| Equity capital to assets | 9.3290% | 4,726 |
| Core capital (leverage) ratio | 9.6683% | 4,035 |
| Tier 1 risk-based capital ratio | 12.7239% | 5,175 |
| Total risk-based capital ratio | 13.5346% | 5,387 |
| Memoranda: | ||
| Average total assets | $439,949,500 | 1,528 |
| Average earning assets | $416,717,500 | 1,483 |
| Average equity | $41,467,000 | 1,723 |
| Average total loans | $317,633,500 | 1,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 1,390 |
| Cost of funding earning assets | 0.5620% | 3,002 |
| Net interest margin | 4.2032% | 1,343 |
| Noninterest income to average assets | 0.2371% | 5,650 |
| Noninterest expense to average assets | 2.7521% | 3,903 |
| Loan and lease loss provision to assets | 0.0288% | 4,538 |
| Net operating income to assets | 0.9042% | 2,756 |
| Return on assets (ROA) | 0.9042% | 2,841 |
| Pretax return on assets | 1.4484% | 1,620 |
| Return on Equity (ROE) | 8.9346% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.6909% | 848 |
| Net charge-offs to loans | 0.0146% | 5,158 |
| Credit loss provision to net charge-offs | 274.4186% | 828 |
| Earnings coverage of net charge-offs (x) | 140.6977% | 325 |
| Efficiency ratio | 65.0713% | 4,718 |
| Assets per employee ($millions) | 6.8184% | 837 |
| Cash dividends to net income (ytd only)* | 2.7275% | 4,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 5,947 |
| Loan loss allowance to noncurrent loans | 139.3643% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 3,261 |
| Noncurrent loans to loans | 0.6427% | 4,371 |
| Net loans and leases to total assets | 73.4094% | 1,454 |
| Net loans and leases to deposits | 98.7023% | 553 |
| Net loans and leases to core deposits | 115.8220% | 428 |
| Total domestic deposits to total assets | 74.3745% | 6,251 |
| Equity capital to assets | 9.5265% | 4,391 |
| Core capital (leverage) ratio | 9.7864% | 3,860 |
| Tier 1 risk-based capital ratio | 12.3778% | 5,375 |
| Total risk-based capital ratio | 13.2292% | 5,564 |
| Memoranda: | ||
| Average total assets | $409,542,600 | 1,611 |
| Average earning assets | $388,991,400 | 1,556 |
| Average equity | $41,445,800 | 1,687 |
| Average total loans | $294,020,200 | 1,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 1,522 |
| Cost of funding earning assets | 0.5629% | 3,145 |
| Net interest margin | 4.1678% | 1,430 |
| Noninterest income to average assets | 0.2620% | 5,574 |
| Noninterest expense to average assets | 2.6907% | 4,049 |
| Loan and lease loss provision to assets | 0.0250% | 4,507 |
| Net operating income to assets | 0.9433% | 2,624 |
| Return on assets (ROA) | 0.9433% | 2,731 |
| Pretax return on assets | 1.5095% | 1,578 |
| Return on Equity (ROE) | 9.1780% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.9920% | 1,059 |
| Net charge-offs to loans | 0.0213% | 4,704 |
| Credit loss provision to net charge-offs | 165.2174% | 1,445 |
| Earnings coverage of net charge-offs (x) | 101.2203% | 495 |
| Efficiency ratio | 63.6817% | 4,856 |
| Assets per employee ($millions) | 7.3553% | 624 |
| Cash dividends to net income (ytd only)* | 2.0265% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 6,003 |
| Loan loss allowance to noncurrent loans | 180.2699% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 3,655 |
| Noncurrent loans to loans | 0.5107% | 4,915 |
| Net loans and leases to total assets | 73.2920% | 1,398 |
| Net loans and leases to deposits | 95.1520% | 751 |
| Net loans and leases to core deposits | 111.2653% | 531 |
| Total domestic deposits to total assets | 77.0262% | 6,045 |
| Equity capital to assets | 9.7622% | 4,228 |
| Core capital (leverage) ratio | 9.9565% | 3,730 |
| Tier 1 risk-based capital ratio | 12.6258% | 5,374 |
| Total risk-based capital ratio | 13.4996% | 5,543 |
| Memoranda: | ||
| Average total assets | $404,538,000 | 1,639 |
| Average earning assets | $384,689,000 | 1,578 |
| Average equity | $41,576,750 | 1,698 |
| Average total loans | $287,978,250 | 1,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 1,392 |
| Cost of funding earning assets | 0.5674% | 3,242 |
| Net interest margin | 4.2028% | 1,267 |
| Noninterest income to average assets | 0.2870% | 5,398 |
| Noninterest expense to average assets | 2.7024% | 4,022 |
| Loan and lease loss provision to assets | 0.0378% | 4,194 |
| Net operating income to assets | 0.9670% | 2,482 |
| Return on assets (ROA) | 0.9670% | 2,628 |
| Pretax return on assets | 1.5479% | 1,490 |
| Return on Equity (ROE) | 9.2500% | 2,517 |
| Retained earnings to average equity (ytd only) | 9.1168% | 1,079 |
| Net charge-offs to loans | 0.0326% | 4,229 |
| Credit loss provision to net charge-offs | 165.2174% | 1,429 |
| Earnings coverage of net charge-offs (x) | 69.3043% | 643 |
| Efficiency ratio | 63.0205% | 5,014 |
| Assets per employee ($millions) | 7.4591% | 580 |
| Cash dividends to net income (ytd only)* | 1.4403% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 5,858 |
| Loan loss allowance to noncurrent loans | 186.0080% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 3,722 |
| Noncurrent loans to loans | 0.5331% | 4,930 |
| Net loans and leases to total assets | 69.5287% | 1,966 |
| Net loans and leases to deposits | 88.0704% | 1,330 |
| Net loans and leases to core deposits | 101.6305% | 965 |
| Total domestic deposits to total assets | 78.9467% | 5,810 |
| Equity capital to assets | 10.5412% | 3,246 |
| Core capital (leverage) ratio | 10.7149% | 2,654 |
| Tier 1 risk-based capital ratio | 14.2030% | 4,289 |
| Total risk-based capital ratio | 15.1434% | 4,468 |
| Memoranda: | ||
| Average total assets | $402,085,670 | 1,648 |
| Average earning assets | $382,794,000 | 1,586 |
| Average equity | $42,032,330 | 1,681 |
| Average total loans | $282,407,330 | 1,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 1,161 |
| Cost of funding earning assets | 0.5902% | 3,202 |
| Net interest margin | 4.2786% | 1,008 |
| Noninterest income to average assets | 0.2738% | 5,490 |
| Noninterest expense to average assets | 2.5987% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0963% | 1,868 |
| Return on assets (ROA) | 1.0963% | 1,976 |
| Pretax return on assets | 1.7604% | 951 |
| Return on Equity (ROE) | 10.5311% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.5311% | 977 |
| Net charge-offs to loans | 0.0652% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 38.4348% | 820 |
| Efficiency ratio | 59.6163% | 5,643 |
| Assets per employee ($millions) | 7.7357% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,086 |
| Loan loss allowance to noncurrent loans | 67.0846% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 3,795 |
| Noncurrent loans to loans | 1.4396% | 3,408 |
| Net loans and leases to total assets | 69.5717% | 1,738 |
| Net loans and leases to deposits | 90.1142% | 958 |
| Net loans and leases to core deposits | 103.1902% | 756 |
| Total domestic deposits to total assets | 77.2039% | 6,226 |
| Equity capital to assets | 10.5656% | 3,470 |
| Core capital (leverage) ratio | 10.4264% | 2,871 |
| Tier 1 risk-based capital ratio | 14.0884% | 4,438 |
| Total risk-based capital ratio | 15.0157% | 4,645 |
| Memoranda: | ||
| Average total assets | $401,732,500 | 1,665 |
| Average earning assets | $383,584,500 | 1,599 |
| Average equity | $41,819,000 | 1,716 |
| Average total loans | $282,180,500 | 1,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,436 |
| Cost of funding earning assets | 0.7728% | 2,889 |
| Net interest margin | 3.9651% | 2,547 |
| Noninterest income to average assets | 0.4355% | 4,359 |
| Noninterest expense to average assets | 2.8147% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8720% | 2,949 |
| Return on assets (ROA) | 0.8942% | 3,080 |
| Pretax return on assets | 1.4286% | 1,942 |
| Return on Equity (ROE) | 8.8186% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.2930% | 1,036 |
| Net charge-offs to loans | 0.0442% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 46.8435% | 706 |
| Efficiency ratio | 66.8798% | 4,349 |
| Assets per employee ($millions) | 6.6868% | 904 |
| Cash dividends to net income (ytd only)* | 5.9606% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 6,011 |
| Loan loss allowance to noncurrent loans | 45.1513% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5890% | 3,004 |
| Noncurrent loans to loans | 2.1812% | 2,486 |
| Net loans and leases to total assets | 69.5400% | 1,933 |
| Net loans and leases to deposits | 88.9719% | 1,169 |
| Net loans and leases to core deposits | 101.2712% | 939 |
| Total domestic deposits to total assets | 78.1595% | 6,054 |
| Equity capital to assets | 10.2533% | 3,821 |
| Core capital (leverage) ratio | 10.1706% | 3,175 |
| Tier 1 risk-based capital ratio | 13.7616% | 4,556 |
| Total risk-based capital ratio | 14.7172% | 4,736 |
| Memoranda: | ||
| Average total assets | $386,474,400 | 1,691 |
| Average earning assets | $367,756,800 | 1,625 |
| Average equity | $39,189,800 | 1,775 |
| Average total loans | $260,300,000 | 1,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 2,528 |
| Cost of funding earning assets | 0.7995% | 2,942 |
| Net interest margin | 3.9637% | 2,653 |
| Noninterest income to average assets | 0.4141% | 4,527 |
| Noninterest expense to average assets | 2.7750% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8830% | 3,061 |
| Return on assets (ROA) | 0.8986% | 3,218 |
| Pretax return on assets | 1.4350% | 2,133 |
| Return on Equity (ROE) | 8.8880% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.3609% | 1,457 |
| Net charge-offs to loans | -0.0131% | 6,416 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2977% | 4,395 |
| Assets per employee ($millions) | 6.0858% | 1,196 |
| Cash dividends to net income (ytd only)* | 5.9301% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,684 |
| Loan loss allowance to noncurrent loans | 46.5358% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7212% | 3,024 |
| Noncurrent loans to loans | 2.3811% | 2,424 |
| Net loans and leases to total assets | 66.7951% | 2,503 |
| Net loans and leases to deposits | 82.2536% | 2,085 |
| Net loans and leases to core deposits | 94.2677% | 1,562 |
| Total domestic deposits to total assets | 81.2064% | 5,295 |
| Equity capital to assets | 10.3731% | 3,983 |
| Core capital (leverage) ratio | 10.0840% | 3,426 |
| Tier 1 risk-based capital ratio | 14.4059% | 4,253 |
| Total risk-based capital ratio | 15.4800% | 4,334 |
| Memoranda: | ||
| Average total assets | $382,791,000 | 1,720 |
| Average earning assets | $364,228,000 | 1,660 |
| Average equity | $38,703,000 | 1,814 |
| Average total loans | $254,931,250 | 1,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 2,374 |
| Cost of funding earning assets | 0.8169% | 3,063 |
| Net interest margin | 4.0147% | 2,438 |
| Noninterest income to average assets | 0.4835% | 4,033 |
| Noninterest expense to average assets | 2.7565% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9655% | 2,601 |
| Return on assets (ROA) | 0.9891% | 2,748 |
| Pretax return on assets | 1.5814% | 1,599 |
| Return on Equity (ROE) | 9.8698% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.2876% | 1,178 |
| Net charge-offs to loans | -0.0063% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0885% | 4,888 |
| Assets per employee ($millions) | 6.3247% | 1,055 |
| Cash dividends to net income (ytd only)* | 5.8980% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,590 |
| Loan loss allowance to noncurrent loans | 45.1809% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 3,108 |
| Noncurrent loans to loans | 2.5300% | 2,381 |
| Net loans and leases to total assets | 63.8912% | 3,060 |
| Net loans and leases to deposits | 80.2752% | 2,346 |
| Net loans and leases to core deposits | 91.8334% | 1,798 |
| Total domestic deposits to total assets | 79.5903% | 5,840 |
| Equity capital to assets | 10.0382% | 4,276 |
| Core capital (leverage) ratio | 9.9326% | 3,509 |
| Tier 1 risk-based capital ratio | 14.4285% | 4,154 |
| Total risk-based capital ratio | 15.5197% | 4,216 |
| Memoranda: | ||
| Average total assets | $380,558,670 | 1,733 |
| Average earning assets | $361,868,330 | 1,670 |
| Average equity | $38,136,670 | 1,834 |
| Average total loans | $252,217,000 | 1,649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 2,140 |
| Cost of funding earning assets | 0.8247% | 3,282 |
| Net interest margin | 4.1044% | 2,072 |
| Noninterest income to average assets | 0.3234% | 5,285 |
| Noninterest expense to average assets | 2.7857% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9066% | 2,885 |
| Return on assets (ROA) | 0.9168% | 3,059 |
| Pretax return on assets | 1.4526% | 2,014 |
| Return on Equity (ROE) | 9.1569% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.5919% | 1,736 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9757% | 4,558 |
| Assets per employee ($millions) | 6.4072% | 1,032 |
| Cash dividends to net income (ytd only)* | 6.1700% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,833 |
| Loan loss allowance to noncurrent loans | 40.9522% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.9033% | 3,039 |
| Noncurrent loans to loans | 2.7375% | 2,381 |
| Net loans and leases to total assets | 66.3052% | 2,417 |
| Net loans and leases to deposits | 84.0998% | 1,653 |
| Net loans and leases to core deposits | 96.0622% | 1,294 |
| Total domestic deposits to total assets | 78.8410% | 6,111 |
| Equity capital to assets | 9.8980% | 4,257 |
| Core capital (leverage) ratio | 9.9067% | 3,487 |
| Tier 1 risk-based capital ratio | 14.0604% | 4,430 |
| Total risk-based capital ratio | 15.1521% | 4,514 |
| Memoranda: | ||
| Average total assets | $374,772,000 | 1,771 |
| Average earning assets | $356,011,000 | 1,702 |
| Average equity | $37,523,500 | 1,860 |
| Average total loans | $251,608,000 | 1,649 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 3,763 |
| Cost of funding earning assets | 0.9885% | 3,458 |
| Net interest margin | 3.8221% | 3,707 |
| Noninterest income to average assets | 0.3264% | 5,207 |
| Noninterest expense to average assets | 2.5609% | 5,249 |
| Loan and lease loss provision to assets | 0.2821% | 3,412 |
| Net operating income to assets | 0.7195% | 3,391 |
| Return on assets (ROA) | 0.7208% | 3,552 |
| Pretax return on assets | 1.1469% | 2,667 |
| Return on Equity (ROE) | 8.0208% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.0265% | 1,492 |
| Net charge-offs to loans | 0.2523% | 4,199 |
| Credit loss provision to net charge-offs | 169.8276% | 1,584 |
| Earnings coverage of net charge-offs (x) | 8.5914% | 2,120 |
| Efficiency ratio | 64.2180% | 5,090 |
| Assets per employee ($millions) | 6.5198% | 947 |
| Cash dividends to net income (ytd only)* | 12.3957% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,498 |
| Loan loss allowance to noncurrent loans | 69.5548% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 4,220 |
| Noncurrent loans to loans | 1.6930% | 3,623 |
| Net loans and leases to total assets | 66.4283% | 2,705 |
| Net loans and leases to deposits | 82.8671% | 2,084 |
| Net loans and leases to core deposits | 93.9352% | 1,705 |
| Total domestic deposits to total assets | 80.1625% | 5,699 |
| Equity capital to assets | 10.1328% | 3,992 |
| Core capital (leverage) ratio | 9.7573% | 3,660 |
| Tier 1 risk-based capital ratio | 14.2274% | 4,161 |
| Total risk-based capital ratio | 15.3598% | 4,202 |
| Memoranda: | ||
| Average total assets | $349,211,600 | 1,857 |
| Average earning assets | $334,531,200 | 1,774 |
| Average equity | $31,381,000 | 2,110 |
| Average total loans | $229,895,800 | 1,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 4,187 |
| Cost of funding earning assets | 1.0201% | 3,529 |
| Net interest margin | 3.7401% | 4,159 |
| Noninterest income to average assets | 0.3422% | 5,122 |
| Noninterest expense to average assets | 2.5705% | 5,196 |
| Loan and lease loss provision to assets | 0.3684% | 2,649 |
| Net operating income to assets | 0.6274% | 3,982 |
| Return on assets (ROA) | 0.6291% | 4,149 |
| Pretax return on assets | 0.9995% | 3,410 |
| Return on Equity (ROE) | 7.2453% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.3958% | 2,298 |
| Net charge-offs to loans | 0.0206% | 5,866 |
| Credit loss provision to net charge-offs | 2,725.7143% | 105 |
| Earnings coverage of net charge-offs (x) | 100.9904% | 362 |
| Efficiency ratio | 65.3125% | 4,843 |
| Assets per employee ($millions) | 6.7112% | 847 |
| Cash dividends to net income (ytd only)* | 11.7249% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,430 |
| Loan loss allowance to noncurrent loans | 72.8284% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 4,125 |
| Noncurrent loans to loans | 1.9611% | 3,413 |
| Net loans and leases to total assets | 63.6477% | 3,385 |
| Net loans and leases to deposits | 81.6299% | 2,427 |
| Net loans and leases to core deposits | 93.9357% | 1,795 |
| Total domestic deposits to total assets | 77.9710% | 6,202 |
| Equity capital to assets | 9.8191% | 4,602 |
| Core capital (leverage) ratio | 9.8930% | 3,584 |
| Tier 1 risk-based capital ratio | 14.5417% | 3,946 |
| Total risk-based capital ratio | 15.7936% | 3,920 |
| Memoranda: | ||
| Average total assets | $345,236,750 | 1,879 |
| Average earning assets | $331,708,250 | 1,798 |
| Average equity | $29,977,250 | 2,200 |
| Average total loans | $226,013,000 | 1,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 4,293 |
| Cost of funding earning assets | 1.0379% | 3,681 |
| Net interest margin | 3.7140% | 4,197 |
| Noninterest income to average assets | 0.3801% | 4,841 |
| Noninterest expense to average assets | 2.5991% | 5,185 |
| Loan and lease loss provision to assets | 0.2846% | 3,104 |
| Net operating income to assets | 0.6655% | 3,710 |
| Return on assets (ROA) | 0.6659% | 3,832 |
| Pretax return on assets | 1.0638% | 2,990 |
| Return on Equity (ROE) | 8.0535% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.1284% | 1,817 |
| Net charge-offs to loans | 0.0315% | 5,406 |
| Credit loss provision to net charge-offs | 1,371.4286% | 254 |
| Earnings coverage of net charge-offs (x) | 64.9429% | 504 |
| Efficiency ratio | 65.8504% | 4,904 |
| Assets per employee ($millions) | 6.5703% | 896 |
| Cash dividends to net income (ytd only)* | 11.4871% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 5,117 |
| Loan loss allowance to noncurrent loans | 160.1093% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 5,520 |
| Noncurrent loans to loans | 0.8040% | 5,309 |
| Net loans and leases to total assets | 62.1785% | 3,858 |
| Net loans and leases to deposits | 80.2962% | 2,739 |
| Net loans and leases to core deposits | 91.6949% | 2,171 |
| Total domestic deposits to total assets | 77.4364% | 6,388 |
| Equity capital to assets | 7.9645% | 6,704 |
| Core capital (leverage) ratio | 8.4614% | 5,611 |
| Tier 1 risk-based capital ratio | 12.2715% | 5,546 |
| Total risk-based capital ratio | 13.5218% | 5,532 |
| Memoranda: | ||
| Average total assets | $337,276,330 | 1,931 |
| Average earning assets | $323,908,000 | 1,838 |
| Average equity | $27,888,330 | 2,321 |
| Average total loans | $221,904,330 | 1,897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 4,133 |
| Cost of funding earning assets | 1.0362% | 3,946 |
| Net interest margin | 3.7468% | 3,858 |
| Noninterest income to average assets | 0.1919% | 6,350 |
| Noninterest expense to average assets | 2.5951% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7490% | 3,279 |
| Return on assets (ROA) | 0.7490% | 3,345 |
| Pretax return on assets | 1.2078% | 2,346 |
| Return on Equity (ROE) | 8.8769% | 2,520 |
| Retained earnings to average equity (ytd only) | 7.9295% | 1,763 |
| Net charge-offs to loans | 0.0493% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 36.3704% | 726 |
| Efficiency ratio | 68.2406% | 4,613 |
| Assets per employee ($millions) | 6.3617% | 996 |
| Cash dividends to net income (ytd only)* | 10.6732% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,988 |
| Loan loss allowance to noncurrent loans | 175.0712% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 5,733 |
| Noncurrent loans to loans | 0.6374% | 5,760 |
| Net loans and leases to total assets | 64.6043% | 3,333 |
| Net loans and leases to deposits | 86.1142% | 1,712 |
| Net loans and leases to core deposits | 102.1439% | 1,191 |
| Total domestic deposits to total assets | 75.0217% | 6,787 |
| Equity capital to assets | 8.2185% | 6,261 |
| Core capital (leverage) ratio | 8.8078% | 4,916 |
| Tier 1 risk-based capital ratio | 12.2286% | 5,497 |
| Total risk-based capital ratio | 13.2957% | 5,640 |
| Memoranda: | ||
| Average total assets | $325,231,500 | 2,009 |
| Average earning assets | $313,440,500 | 1,907 |
| Average equity | $27,442,000 | 2,341 |
| Average total loans | $219,045,500 | 1,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 4,636 |
| Cost of funding earning assets | 1.0666% | 5,335 |
| Net interest margin | 3.9167% | 3,410 |
| Noninterest income to average assets | 0.2150% | 6,273 |
| Noninterest expense to average assets | 2.6933% | 5,020 |
| Loan and lease loss provision to assets | 0.3638% | 3,934 |
| Net operating income to assets | 0.5670% | 3,816 |
| Return on assets (ROA) | 0.6425% | 3,623 |
| Pretax return on assets | 1.0610% | 2,729 |
| Return on Equity (ROE) | 6.7269% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.7557% | 1,958 |
| Net charge-offs to loans | 0.3606% | 4,215 |
| Credit loss provision to net charge-offs | 141.7367% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.0910% | 2,713 |
| Efficiency ratio | 67.3288% | 4,699 |
| Assets per employee ($millions) | 6.1430% | 1,113 |
| Cash dividends to net income (ytd only)* | 14.4376% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,780 |
| Loan loss allowance to noncurrent loans | 129.4271% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 5,521 |
| Noncurrent loans to loans | 0.8815% | 5,303 |
| Net loans and leases to total assets | 68.7285% | 2,803 |
| Net loans and leases to deposits | 86.4553% | 2,011 |
| Net loans and leases to core deposits | 105.3326% | 1,232 |
| Total domestic deposits to total assets | 79.4960% | 5,969 |
| Equity capital to assets | 8.6736% | 5,620 |
| Core capital (leverage) ratio | 9.0043% | 4,547 |
| Tier 1 risk-based capital ratio | 12.1252% | 5,357 |
| Total risk-based capital ratio | 13.2194% | 5,482 |
| Memoranda: | ||
| Average total assets | $278,137,200 | 2,298 |
| Average earning assets | $268,798,600 | 2,190 |
| Average equity | $26,565,000 | 2,413 |
| Average total loans | $198,007,800 | 2,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 4,769 |
| Cost of funding earning assets | 1.0733% | 5,576 |
| Net interest margin | 3.9360% | 3,377 |
| Noninterest income to average assets | 0.0673% | 7,196 |
| Noninterest expense to average assets | 2.6340% | 5,180 |
| Loan and lease loss provision to assets | 0.2817% | 4,326 |
| Net operating income to assets | 0.5678% | 4,015 |
| Return on assets (ROA) | 0.6717% | 3,697 |
| Pretax return on assets | 1.1098% | 2,796 |
| Return on Equity (ROE) | 6.8501% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.8708% | 2,429 |
| Net charge-offs to loans | 0.2811% | 4,259 |
| Credit loss provision to net charge-offs | 139.8034% | 2,846 |
| Earnings coverage of net charge-offs (x) | 6.1008% | 2,600 |
| Efficiency ratio | 68.1830% | 4,433 |
| Assets per employee ($millions) | 6.0425% | 1,212 |
| Cash dividends to net income (ytd only)* | 14.2962% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,895 |
| Loan loss allowance to noncurrent loans | 322.2222% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 6,270 |
| Noncurrent loans to loans | 0.3448% | 6,508 |
| Net loans and leases to total assets | 70.6163% | 2,585 |
| Net loans and leases to deposits | 93.8619% | 1,218 |
| Net loans and leases to core deposits | 134.0989% | 323 |
| Total domestic deposits to total assets | 75.2343% | 6,776 |
| Equity capital to assets | 9.1957% | 5,318 |
| Core capital (leverage) ratio | 9.6224% | 3,730 |
| Tier 1 risk-based capital ratio | 12.5140% | 4,971 |
| Total risk-based capital ratio | 13.6028% | 5,091 |
| Memoranda: | ||
| Average total assets | $269,347,750 | 2,402 |
| Average earning assets | $259,750,750 | 2,291 |
| Average equity | $26,412,750 | 2,463 |
| Average total loans | $193,057,750 | 2,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 5,088 |
| Cost of funding earning assets | 1.0812% | 5,776 |
| Net interest margin | 3.8878% | 3,503 |
| Noninterest income to average assets | 0.0530% | 7,323 |
| Noninterest expense to average assets | 2.6202% | 5,246 |
| Loan and lease loss provision to assets | 0.3149% | 3,862 |
| Net operating income to assets | 0.5303% | 4,195 |
| Return on assets (ROA) | 0.5337% | 4,329 |
| Pretax return on assets | 0.8816% | 3,570 |
| Return on Equity (ROE) | 5.3173% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.3303% | 3,319 |
| Net charge-offs to loans | 0.3670% | 3,524 |
| Credit loss provision to net charge-offs | 119.5335% | 3,403 |
| Earnings coverage of net charge-offs (x) | 4.5219% | 2,929 |
| Efficiency ratio | 68.7487% | 4,434 |
| Assets per employee ($millions) | 5.8965% | 1,302 |
| Cash dividends to net income (ytd only)* | 18.5612% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,757 |
| Loan loss allowance to noncurrent loans | 134.5878% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 5,378 |
| Noncurrent loans to loans | 0.8448% | 5,584 |
| Net loans and leases to total assets | 70.6841% | 2,756 |
| Net loans and leases to deposits | 99.2396% | 785 |
| Net loans and leases to core deposits | 141.9274% | 265 |
| Total domestic deposits to total assets | 71.2257% | 7,244 |
| Equity capital to assets | 9.6151% | 4,524 |
| Core capital (leverage) ratio | 10.0552% | 3,110 |
| Tier 1 risk-based capital ratio | 13.0247% | 4,418 |
| Total risk-based capital ratio | 14.1380% | 4,489 |
| Memoranda: | ||
| Average total assets | $260,436,000 | 2,501 |
| Average earning assets | $251,760,000 | 2,377 |
| Average equity | $26,141,330 | 2,479 |
| Average total loans | $186,933,000 | 2,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 5,130 |
| Cost of funding earning assets | 1.1097% | 5,852 |
| Net interest margin | 3.8674% | 3,472 |
| Noninterest income to average assets | 0.0365% | 7,525 |
| Noninterest expense to average assets | 2.4976% | 5,738 |
| Loan and lease loss provision to assets | 0.1745% | 4,776 |
| Net operating income to assets | 0.6696% | 3,575 |
| Return on assets (ROA) | 0.6696% | 3,688 |
| Pretax return on assets | 1.1028% | 2,722 |
| Return on Equity (ROE) | 6.5203% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.5160% | 2,858 |
| Net charge-offs to loans | 0.1632% | 3,941 |
| Credit loss provision to net charge-offs | 148.6486% | 2,400 |
| Earnings coverage of net charge-offs (x) | 10.8784% | 1,704 |
| Efficiency ratio | 66.1623% | 5,083 |
| Assets per employee ($millions) | 6.9523% | 824 |
| Cash dividends to net income (ytd only)* | 15.4028% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 5,436 |
| Loan loss allowance to noncurrent loans | 419.4340% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 6,246 |
| Noncurrent loans to loans | 0.2892% | 6,748 |
| Net loans and leases to total assets | 70.3747% | 2,835 |
| Net loans and leases to deposits | 98.1208% | 899 |
| Net loans and leases to core deposits | 150.9682% | 236 |
| Total domestic deposits to total assets | 71.7225% | 7,287 |
| Equity capital to assets | 10.1642% | 3,650 |
| Core capital (leverage) ratio | 10.4474% | 2,674 |
| Tier 1 risk-based capital ratio | 13.9039% | 3,722 |
| Total risk-based capital ratio | 15.0879% | 3,732 |
| Memoranda: | ||
| Average total assets | $252,086,000 | 2,632 |
| Average earning assets | $243,677,000 | 2,506 |
| Average equity | $25,888,500 | 2,521 |
| Average total loans | $181,327,500 | 2,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 5,121 |
| Cost of funding earning assets | 1.4611% | 5,677 |
| Net interest margin | 3.8496% | 3,484 |
| Noninterest income to average assets | 0.0319% | 7,581 |
| Noninterest expense to average assets | 2.4606% | 6,267 |
| Loan and lease loss provision to assets | 0.5301% | 3,725 |
| Net operating income to assets | 0.4734% | 3,842 |
| Return on assets (ROA) | 0.5306% | 3,700 |
| Pretax return on assets | 0.8466% | 3,094 |
| Return on Equity (ROE) | 5.1105% | 3,626 |
| Retained earnings to average equity (ytd only) | 4.2156% | 2,269 |
| Net charge-offs to loans | 0.2068% | 5,337 |
| Credit loss provision to net charge-offs | 343.3628% | 945 |
| Earnings coverage of net charge-offs (x) | 8.3392% | 1,960 |
| Efficiency ratio | 65.6501% | 5,463 |
| Assets per employee ($millions) | 8.2312% | 462 |
| Cash dividends to net income (ytd only)* | 17.5107% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 5,250 |
| Loan loss allowance to noncurrent loans | 169.8524% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 6,152 |
| Noncurrent loans to loans | 0.7174% | 5,813 |
| Net loans and leases to total assets | 71.7664% | 2,817 |
| Net loans and leases to deposits | 100.8410% | 840 |
| Net loans and leases to core deposits | 183.0130% | 149 |
| Total domestic deposits to total assets | 71.1678% | 7,320 |
| Equity capital to assets | 10.3796% | 3,316 |
| Core capital (leverage) ratio | 11.0551% | 2,198 |
| Tier 1 risk-based capital ratio | 13.9617% | 3,519 |
| Total risk-based capital ratio | 15.1490% | 3,516 |
| Memoranda: | ||
| Average total assets | $219,580,200 | 2,949 |
| Average earning assets | $211,969,200 | 2,812 |
| Average equity | $22,796,200 | 2,853 |
| Average total loans | $163,898,200 | 2,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 5,143 |
| Cost of funding earning assets | 1.5808% | 5,486 |
| Net interest margin | 3.7763% | 3,757 |
| Noninterest income to average assets | 0.0326% | 7,722 |
| Noninterest expense to average assets | 2.4611% | 6,210 |
| Loan and lease loss provision to assets | 0.3265% | 4,374 |
| Net operating income to assets | 0.5242% | 3,885 |
| Return on assets (ROA) | 0.5258% | 3,970 |
| Pretax return on assets | 0.8899% | 3,258 |
| Return on Equity (ROE) | 5.0646% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.2195% | 2,914 |
| Net charge-offs to loans | 0.0708% | 5,984 |
| Credit loss provision to net charge-offs | 612.9412% | 622 |
| Earnings coverage of net charge-offs (x) | 22.7883% | 1,144 |
| Efficiency ratio | 66.9679% | 5,195 |
| Assets per employee ($millions) | 7.3328% | 686 |
| Cash dividends to net income (ytd only)* | 16.6863% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 5,975 |
| Loan loss allowance to noncurrent loans | 138.6276% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 6,030 |
| Noncurrent loans to loans | 0.7623% | 5,782 |
| Net loans and leases to total assets | 74.0618% | 2,500 |
| Net loans and leases to deposits | 101.5361% | 966 |
| Net loans and leases to core deposits | 213.1265% | 81 |
| Total domestic deposits to total assets | 72.9413% | 7,093 |
| Equity capital to assets | 10.5931% | 3,410 |
| Core capital (leverage) ratio | 10.5255% | 2,770 |
| Tier 1 risk-based capital ratio | 12.8710% | 4,281 |
| Total risk-based capital ratio | 13.8395% | 4,432 |
| Memoranda: | ||
| Average total assets | $212,741,250 | 3,057 |
| Average earning assets | $205,203,250 | 2,920 |
| Average equity | $22,087,500 | 2,965 |
| Average total loans | $160,022,000 | 2,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 5,447 |
| Cost of funding earning assets | 1.6895% | 5,324 |
| Net interest margin | 3.6504% | 4,164 |
| Noninterest income to average assets | 0.0298% | 7,838 |
| Noninterest expense to average assets | 2.5004% | 6,124 |
| Loan and lease loss provision to assets | 0.2415% | 4,653 |
| Net operating income to assets | 0.4638% | 4,241 |
| Return on assets (ROA) | 0.4656% | 4,349 |
| Pretax return on assets | 0.7976% | 3,685 |
| Return on Equity (ROE) | 4.5184% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.8183% | 3,169 |
| Net charge-offs to loans | 0.1085% | 5,074 |
| Credit loss provision to net charge-offs | 295.2941% | 1,581 |
| Earnings coverage of net charge-offs (x) | 12.6706% | 1,800 |
| Efficiency ratio | 70.7018% | 4,642 |
| Assets per employee ($millions) | 7.7297% | 554 |
| Cash dividends to net income (ytd only)* | 15.4959% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 6,720 |
| Loan loss allowance to noncurrent loans | 170.7263% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,496 |
| Noncurrent loans to loans | 0.5343% | 6,201 |
| Net loans and leases to total assets | 71.5708% | 3,329 |
| Net loans and leases to deposits | 93.2975% | 2,213 |
| Net loans and leases to core deposits | 184.0030% | 190 |
| Total domestic deposits to total assets | 76.7124% | 6,395 |
| Equity capital to assets | 9.9801% | 3,966 |
| Core capital (leverage) ratio | 10.4604% | 2,851 |
| Tier 1 risk-based capital ratio | 12.6072% | 4,434 |
| Total risk-based capital ratio | 13.4413% | 4,672 |
| Memoranda: | ||
| Average total assets | $207,882,670 | 3,130 |
| Average earning assets | $199,702,330 | 3,004 |
| Average equity | $21,423,330 | 3,047 |
| Average total loans | $156,645,000 | 2,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 4,973 |
| Cost of funding earning assets | 1.8467% | 4,893 |
| Net interest margin | 3.6421% | 4,132 |
| Noninterest income to average assets | 0.0429% | 7,871 |
| Noninterest expense to average assets | 2.5506% | 5,648 |
| Loan and lease loss provision to assets | 0.1675% | 4,789 |
| Net operating income to assets | 0.4739% | 4,546 |
| Return on assets (ROA) | 0.4778% | 4,719 |
| Pretax return on assets | 0.8066% | 4,057 |
| Return on Equity (ROE) | 4.5518% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5518% | 3,402 |
| Net charge-offs to loans | 0.1005% | 4,172 |
| Credit loss provision to net charge-offs | 215.7895% | 2,091 |
| Earnings coverage of net charge-offs (x) | 12.4737% | 1,801 |
| Efficiency ratio | 72.4898% | 4,109 |
| Assets per employee ($millions) | 7.2431% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.4745% | 3,131 |
| Net loans and leases to deposits | 98.9811% | 1,534 |
| Net loans and leases to core deposits | 162.2908% | 463 |
| Total domestic deposits to total assets | 73.2205% | 7,023 |
| Equity capital to assets | 10.9760% | 2,982 |
| Core capital (leverage) ratio | 11.5833% | 2,098 |
| Tier 1 risk-based capital ratio | 13.9846% | 3,597 |
| Total risk-based capital ratio | 14.8430% | 3,726 |
| Memoranda: | ||
| Average total assets | $195,878,000 | 3,290 |
| Average earning assets | $186,926,500 | 3,197 |
| Average equity | $20,563,500 | 3,175 |
| Average total loans | $151,220,000 | 2,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 5,085 |
| Cost of funding earning assets | 2.3300% | 5,012 |
| Net interest margin | 3.7629% | 4,167 |
| Noninterest income to average assets | 0.0683% | 7,808 |
| Noninterest expense to average assets | 3.0222% | 4,000 |
| Loan and lease loss provision to assets | 0.3946% | 3,327 |
| Net operating income to assets | 1.1735% | 1,864 |
| Return on assets (ROA) | 1.1735% | 1,794 |
| Pretax return on assets | 0.2854% | 5,540 |
| Return on Equity (ROE) | 11.3393% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.3393% | 287 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6338% | 2,356 |
| Assets per employee ($millions) | 6.4895% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.1427% | 1,404 |
| Net loans and leases to deposits | 103.9466% | 1,348 |
| Net loans and leases to core deposits | 142.6628% | 1,146 |
| Total domestic deposits to total assets | 78.0619% | 5,698 |
| Equity capital to assets | 9.9457% | 4,106 |
| Core capital (leverage) ratio | 10.1023% | 3,355 |
| Tier 1 risk-based capital ratio | 11.3062% | 5,435 |
| Total risk-based capital ratio | 12.1730% | 5,710 |
| Memoranda: | ||
| Average total assets | $146,483,400 | 3,963 |
| Average earning assets | $141,459,800 | 3,817 |
| Average equity | $15,159,600 | 4,110 |
| Average total loans | $118,238,600 | 3,506 |