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Mutual Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 2,739 |
| Cost of funding earning assets | 1.1929% | 921 |
| Net interest margin | 3.3444% | 4,048 |
| Noninterest income to average assets | 0.8749% | 1,099 |
| Noninterest expense to average assets | 2.8467% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8917% | 3,263 |
| Return on assets (ROA) | 0.8917% | 3,318 |
| Pretax return on assets | 1.0992% | 3,153 |
| Return on Equity (ROE) | 9.9483% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.9483% | 1,049 |
| Net charge-offs to loans | 0.3122% | 480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.5314% | 2,321 |
| Efficiency ratio | 72.1438% | 2,019 |
| Assets per employee ($millions) | 5.9029% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,555 |
| Loan loss allowance to noncurrent loans | 100.2790% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,252 |
| Noncurrent loans to loans | 0.7865% | 2,069 |
| Net loans and leases to total assets | 76.5949% | 1,386 |
| Net loans and leases to deposits | 91.7951% | 1,426 |
| Net loans and leases to core deposits | 97.3235% | 1,829 |
| Total domestic deposits to total assets | 83.4412% | 3,242 |
| Equity capital to assets | 8.9355% | 4,727 |
| Core capital (leverage) ratio | 9.5968% | 4,027 |
| Tier 1 risk-based capital ratio | 13.3146% | 3,708 |
| Total risk-based capital ratio | 14.1718% | 3,813 |
| Memoranda: | ||
| Average total assets | $524,392,000 | 1,376 |
| Average earning assets | $481,522,500 | 1,387 |
| Average equity | $47,003,000 | 1,669 |
| Average total loans | $407,486,500 | 1,267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 3,282 |
| Cost of funding earning assets | 0.9011% | 1,093 |
| Net interest margin | 3.3464% | 4,136 |
| Noninterest income to average assets | 0.8743% | 1,252 |
| Noninterest expense to average assets | 3.0962% | 1,804 |
| Loan and lease loss provision to assets | 0.0414% | 3,358 |
| Net operating income to assets | 0.6923% | 4,154 |
| Return on assets (ROA) | 0.6820% | 4,195 |
| Pretax return on assets | 0.8014% | 4,163 |
| Return on Equity (ROE) | 7.6822% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.6822% | 1,382 |
| Net charge-offs to loans | 0.1106% | 1,641 |
| Credit loss provision to net charge-offs | 48.5126% | 3,212 |
| Earnings coverage of net charge-offs (x) | 10.0137% | 2,764 |
| Efficiency ratio | 78.3623% | 1,099 |
| Assets per employee ($millions) | 5.6870% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,262 |
| Loan loss allowance to noncurrent loans | 108.3893% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 2,142 |
| Noncurrent loans to loans | 0.8098% | 1,983 |
| Net loans and leases to total assets | 77.5359% | 1,347 |
| Net loans and leases to deposits | 94.6777% | 1,208 |
| Net loans and leases to core deposits | 100.8650% | 1,656 |
| Total domestic deposits to total assets | 81.8946% | 3,671 |
| Equity capital to assets | 8.9919% | 4,582 |
| Core capital (leverage) ratio | 9.5417% | 4,072 |
| Tier 1 risk-based capital ratio | 13.3203% | 3,649 |
| Total risk-based capital ratio | 14.2846% | 3,720 |
| Memoranda: | ||
| Average total assets | $511,847,800 | 1,375 |
| Average earning assets | $470,626,600 | 1,385 |
| Average equity | $45,442,800 | 1,652 |
| Average total loans | $395,124,600 | 1,271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 3,349 |
| Cost of funding earning assets | 0.8395% | 1,154 |
| Net interest margin | 3.3517% | 4,152 |
| Noninterest income to average assets | 0.8771% | 1,256 |
| Noninterest expense to average assets | 3.0131% | 1,982 |
| Loan and lease loss provision to assets | 0.0554% | 2,867 |
| Net operating income to assets | 0.7391% | 4,111 |
| Return on assets (ROA) | 0.7309% | 4,142 |
| Pretax return on assets | 0.8803% | 4,085 |
| Return on Equity (ROE) | 8.2590% | 3,434 |
| Retained earnings to average equity (ytd only) | 8.2590% | 1,532 |
| Net charge-offs to loans | 0.0913% | 1,592 |
| Credit loss provision to net charge-offs | 78.8104% | 2,540 |
| Earnings coverage of net charge-offs (x) | 13.4572% | 2,357 |
| Efficiency ratio | 76.1135% | 1,335 |
| Assets per employee ($millions) | 5.5698% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 4,074 |
| Loan loss allowance to noncurrent loans | 232.6250% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,457 |
| Noncurrent loans to loans | 0.4054% | 3,198 |
| Net loans and leases to total assets | 75.4722% | 1,735 |
| Net loans and leases to deposits | 91.9246% | 1,635 |
| Net loans and leases to core deposits | 100.0804% | 1,788 |
| Total domestic deposits to total assets | 82.1023% | 3,581 |
| Equity capital to assets | 8.9886% | 4,558 |
| Core capital (leverage) ratio | 9.6308% | 4,014 |
| Tier 1 risk-based capital ratio | 13.3962% | 3,681 |
| Total risk-based capital ratio | 14.4268% | 3,713 |
| Memoranda: | ||
| Average total assets | $510,430,000 | 1,383 |
| Average earning assets | $469,288,250 | 1,392 |
| Average equity | $45,169,750 | 1,666 |
| Average total loans | $392,701,750 | 1,281 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,289 |
| Cost of funding earning assets | 0.8054% | 1,102 |
| Net interest margin | 3.3423% | 4,130 |
| Noninterest income to average assets | 0.8624% | 1,285 |
| Noninterest expense to average assets | 3.0013% | 2,038 |
| Loan and lease loss provision to assets | 0.0606% | 2,690 |
| Net operating income to assets | 0.7316% | 4,099 |
| Return on assets (ROA) | 0.7316% | 4,097 |
| Pretax return on assets | 0.8726% | 4,050 |
| Return on Equity (ROE) | 8.3120% | 3,357 |
| Retained earnings to average equity (ytd only) | 8.3120% | 1,487 |
| Net charge-offs to loans | 0.0735% | 1,600 |
| Credit loss provision to net charge-offs | 106.9444% | 1,932 |
| Earnings coverage of net charge-offs (x) | 16.4583% | 1,998 |
| Efficiency ratio | 76.2810% | 1,390 |
| Assets per employee ($millions) | 5.3503% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 4,005 |
| Loan loss allowance to noncurrent loans | 228.1928% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 3,440 |
| Noncurrent loans to loans | 0.4254% | 3,178 |
| Net loans and leases to total assets | 76.8327% | 1,505 |
| Net loans and leases to deposits | 93.0291% | 1,471 |
| Net loans and leases to core deposits | 101.4775% | 1,604 |
| Total domestic deposits to total assets | 82.5900% | 3,532 |
| Equity capital to assets | 9.1023% | 4,479 |
| Core capital (leverage) ratio | 9.4233% | 4,214 |
| Tier 1 risk-based capital ratio | 13.4939% | 3,619 |
| Total risk-based capital ratio | 14.5712% | 3,642 |
| Memoranda: | ||
| Average total assets | $507,910,670 | 1,391 |
| Average earning assets | $466,866,000 | 1,400 |
| Average equity | $44,706,330 | 1,682 |
| Average total loans | $392,049,330 | 1,277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 3,285 |
| Cost of funding earning assets | 0.7679% | 1,106 |
| Net interest margin | 3.3160% | 4,145 |
| Noninterest income to average assets | 0.8676% | 1,235 |
| Noninterest expense to average assets | 2.8503% | 2,530 |
| Loan and lease loss provision to assets | 0.0353% | 3,035 |
| Net operating income to assets | 0.8534% | 3,486 |
| Return on assets (ROA) | 0.8534% | 3,501 |
| Pretax return on assets | 1.0345% | 3,414 |
| Return on Equity (ROE) | 9.8618% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.8618% | 1,205 |
| Net charge-offs to loans | 0.0265% | 1,970 |
| Credit loss provision to net charge-offs | 173.0769% | 1,143 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 924 |
| Efficiency ratio | 72.7109% | 2,089 |
| Assets per employee ($millions) | 5.7289% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 4,056 |
| Loan loss allowance to noncurrent loans | 246.4633% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,637 |
| Noncurrent loans to loans | 0.3982% | 3,358 |
| Net loans and leases to total assets | 75.1566% | 1,679 |
| Net loans and leases to deposits | 89.8074% | 1,711 |
| Net loans and leases to core deposits | 100.0773% | 1,682 |
| Total domestic deposits to total assets | 83.6864% | 3,439 |
| Equity capital to assets | 8.7456% | 4,785 |
| Core capital (leverage) ratio | 9.1850% | 4,454 |
| Tier 1 risk-based capital ratio | 13.2083% | 3,844 |
| Total risk-based capital ratio | 14.2869% | 3,843 |
| Memoranda: | ||
| Average total assets | $510,401,500 | 1,400 |
| Average earning assets | $469,848,500 | 1,409 |
| Average equity | $44,170,500 | 1,703 |
| Average total loans | $392,973,000 | 1,277 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,749 |
| Cost of funding earning assets | 0.6649% | 1,218 |
| Net interest margin | 3.2275% | 4,366 |
| Noninterest income to average assets | 0.6965% | 1,981 |
| Noninterest expense to average assets | 3.1193% | 1,805 |
| Loan and lease loss provision to assets | 0.0753% | 2,694 |
| Net operating income to assets | 0.4596% | 4,493 |
| Return on assets (ROA) | 0.4851% | 4,443 |
| Pretax return on assets | 0.4906% | 4,944 |
| Return on Equity (ROE) | 5.6523% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.6523% | 1,736 |
| Net charge-offs to loans | 0.0068% | 3,830 |
| Credit loss provision to net charge-offs | 1,430.7692% | 276 |
| Earnings coverage of net charge-offs (x) | 102.6154% | 640 |
| Efficiency ratio | 85.2393% | 688 |
| Assets per employee ($millions) | 5.5536% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,227 |
| Loan loss allowance to noncurrent loans | 223.2132% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,542 |
| Noncurrent loans to loans | 0.4244% | 3,260 |
| Net loans and leases to total assets | 77.3425% | 1,372 |
| Net loans and leases to deposits | 95.3648% | 1,142 |
| Net loans and leases to core deposits | 106.9953% | 1,211 |
| Total domestic deposits to total assets | 81.1017% | 4,098 |
| Equity capital to assets | 8.5627% | 5,074 |
| Core capital (leverage) ratio | 8.9821% | 4,667 |
| Tier 1 risk-based capital ratio | 12.8601% | 3,998 |
| Total risk-based capital ratio | 13.9300% | 3,993 |
| Memoranda: | ||
| Average total assets | $493,927,400 | 1,417 |
| Average earning assets | $453,442,800 | 1,429 |
| Average equity | $42,390,000 | 1,756 |
| Average total loans | $379,617,200 | 1,289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,912 |
| Cost of funding earning assets | 0.6423% | 1,291 |
| Net interest margin | 3.1844% | 4,495 |
| Noninterest income to average assets | 0.8953% | 1,285 |
| Noninterest expense to average assets | 3.0468% | 1,969 |
| Loan and lease loss provision to assets | 0.0613% | 2,849 |
| Net operating income to assets | 0.5756% | 4,479 |
| Return on assets (ROA) | 0.6037% | 4,420 |
| Pretax return on assets | 0.7428% | 4,507 |
| Return on Equity (ROE) | 7.0296% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.0296% | 1,678 |
| Net charge-offs to loans | -0.0011% | 4,272 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8373% | 1,124 |
| Assets per employee ($millions) | 5.5862% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,410 |
| Loan loss allowance to noncurrent loans | 251.4423% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 3,914 |
| Noncurrent loans to loans | 0.3717% | 3,619 |
| Net loans and leases to total assets | 76.3379% | 1,528 |
| Net loans and leases to deposits | 96.1513% | 1,104 |
| Net loans and leases to core deposits | 107.7777% | 1,148 |
| Total domestic deposits to total assets | 79.3935% | 4,462 |
| Equity capital to assets | 8.5230% | 5,271 |
| Core capital (leverage) ratio | 8.9612% | 4,783 |
| Tier 1 risk-based capital ratio | 12.8364% | 4,120 |
| Total risk-based capital ratio | 13.8917% | 4,134 |
| Memoranda: | ||
| Average total assets | $489,675,750 | 1,441 |
| Average earning assets | $449,180,000 | 1,450 |
| Average equity | $42,050,000 | 1,787 |
| Average total loans | $374,784,500 | 1,310 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,057 |
| Cost of funding earning assets | 0.6142% | 1,361 |
| Net interest margin | 3.1406% | 4,572 |
| Noninterest income to average assets | 0.8952% | 1,285 |
| Noninterest expense to average assets | 3.2065% | 1,562 |
| Loan and lease loss provision to assets | 0.0558% | 2,854 |
| Net operating income to assets | 0.4665% | 4,805 |
| Return on assets (ROA) | 0.5138% | 4,705 |
| Pretax return on assets | 0.5709% | 4,860 |
| Return on Equity (ROE) | 5.9676% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9676% | 2,140 |
| Net charge-offs to loans | 0.0027% | 3,403 |
| Credit loss provision to net charge-offs | 2,700.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 277.6000% | 311 |
| Efficiency ratio | 84.8123% | 781 |
| Assets per employee ($millions) | 5.4015% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 4,523 |
| Loan loss allowance to noncurrent loans | 239.0342% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 3,932 |
| Noncurrent loans to loans | 0.3883% | 3,633 |
| Net loans and leases to total assets | 76.5425% | 1,457 |
| Net loans and leases to deposits | 95.4160% | 1,126 |
| Net loans and leases to core deposits | 107.0250% | 1,157 |
| Total domestic deposits to total assets | 80.2198% | 4,362 |
| Equity capital to assets | 8.5155% | 5,297 |
| Core capital (leverage) ratio | 8.8742% | 4,873 |
| Tier 1 risk-based capital ratio | 12.8690% | 4,083 |
| Total risk-based capital ratio | 13.9220% | 4,115 |
| Memoranda: | ||
| Average total assets | $483,453,000 | 1,463 |
| Average earning assets | $444,182,670 | 1,467 |
| Average equity | $41,624,670 | 1,799 |
| Average total loans | $369,139,330 | 1,325 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 4,090 |
| Cost of funding earning assets | 0.5909% | 1,437 |
| Net interest margin | 3.1198% | 4,605 |
| Noninterest income to average assets | 0.8743% | 1,323 |
| Noninterest expense to average assets | 3.1373% | 1,771 |
| Loan and lease loss provision to assets | 0.0210% | 3,308 |
| Net operating income to assets | 0.4522% | 4,768 |
| Return on assets (ROA) | 0.4699% | 4,730 |
| Pretax return on assets | 0.6050% | 4,720 |
| Return on Equity (ROE) | 5.4266% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.4266% | 2,651 |
| Net charge-offs to loans | 0.0055% | 2,780 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 379 |
| Efficiency ratio | 83.8717% | 980 |
| Assets per employee ($millions) | 5.1295% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 4,523 |
| Loan loss allowance to noncurrent loans | 175.1903% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,529 |
| Noncurrent loans to loans | 0.5450% | 3,184 |
| Net loans and leases to total assets | 75.0833% | 1,564 |
| Net loans and leases to deposits | 91.0612% | 1,421 |
| Net loans and leases to core deposits | 103.9915% | 1,226 |
| Total domestic deposits to total assets | 82.4536% | 4,037 |
| Equity capital to assets | 8.6990% | 5,074 |
| Core capital (leverage) ratio | 9.0504% | 4,678 |
| Tier 1 risk-based capital ratio | 13.7344% | 3,641 |
| Total risk-based capital ratio | 14.8405% | 3,638 |
| Memoranda: | ||
| Average total assets | $476,709,000 | 1,483 |
| Average earning assets | $437,976,000 | 1,495 |
| Average equity | $41,278,500 | 1,807 |
| Average total loans | $361,741,500 | 1,357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 4,435 |
| Cost of funding earning assets | 0.5991% | 1,336 |
| Net interest margin | 3.0317% | 4,895 |
| Noninterest income to average assets | 1.4126% | 578 |
| Noninterest expense to average assets | 3.4941% | 1,167 |
| Loan and lease loss provision to assets | 0.1223% | 2,016 |
| Net operating income to assets | 0.4449% | 4,814 |
| Return on assets (ROA) | 0.4773% | 4,796 |
| Pretax return on assets | 0.6034% | 4,780 |
| Return on Equity (ROE) | 5.5327% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.5327% | 1,996 |
| Net charge-offs to loans | 0.0009% | 4,257 |
| Credit loss provision to net charge-offs | 19,166.6667% | 19 |
| Earnings coverage of net charge-offs (x) | 1,073.3333% | 67 |
| Efficiency ratio | 83.6166% | 1,046 |
| Assets per employee ($millions) | 5.2349% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,587 |
| Loan loss allowance to noncurrent loans | 222.0569% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,979 |
| Noncurrent loans to loans | 0.4273% | 3,608 |
| Net loans and leases to total assets | 75.2385% | 1,648 |
| Net loans and leases to deposits | 96.5433% | 945 |
| Net loans and leases to core deposits | 111.0982% | 827 |
| Total domestic deposits to total assets | 77.9324% | 4,985 |
| Equity capital to assets | 8.6191% | 5,176 |
| Core capital (leverage) ratio | 8.9553% | 4,792 |
| Tier 1 risk-based capital ratio | 13.5255% | 3,755 |
| Total risk-based capital ratio | 14.6228% | 3,754 |
| Memoranda: | ||
| Average total assets | $470,338,200 | 1,452 |
| Average earning assets | $429,125,600 | 1,475 |
| Average equity | $40,577,000 | 1,826 |
| Average total loans | $351,301,000 | 1,336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 4,551 |
| Cost of funding earning assets | 0.6019% | 1,309 |
| Net interest margin | 2.9994% | 5,012 |
| Noninterest income to average assets | 1.5639% | 505 |
| Noninterest expense to average assets | 3.2230% | 1,724 |
| Loan and lease loss provision to assets | 0.1280% | 1,826 |
| Net operating income to assets | 0.6797% | 3,964 |
| Return on assets (ROA) | 0.7192% | 3,884 |
| Pretax return on assets | 1.0002% | 3,630 |
| Return on Equity (ROE) | 8.3347% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.3347% | 1,033 |
| Net charge-offs to loans | -0.0015% | 4,462 |
| Credit loss provision to net charge-offs | -11,250.0000% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0182% | 2,104 |
| Assets per employee ($millions) | 5.2709% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,756 |
| Loan loss allowance to noncurrent loans | 214.8412% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 4,100 |
| Noncurrent loans to loans | 0.4328% | 3,732 |
| Net loans and leases to total assets | 74.4634% | 1,793 |
| Net loans and leases to deposits | 95.5578% | 1,092 |
| Net loans and leases to core deposits | 111.6238% | 830 |
| Total domestic deposits to total assets | 77.9250% | 4,925 |
| Equity capital to assets | 8.6998% | 5,397 |
| Core capital (leverage) ratio | 9.0438% | 4,784 |
| Tier 1 risk-based capital ratio | 13.7339% | 3,721 |
| Total risk-based capital ratio | 14.8027% | 3,742 |
| Memoranda: | ||
| Average total assets | $468,829,500 | 1,459 |
| Average earning assets | $427,091,500 | 1,479 |
| Average equity | $40,456,500 | 1,842 |
| Average total loans | $348,664,000 | 1,345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 4,723 |
| Cost of funding earning assets | 0.6062% | 1,271 |
| Net interest margin | 2.9487% | 5,174 |
| Noninterest income to average assets | 1.8014% | 398 |
| Noninterest expense to average assets | 3.1535% | 1,926 |
| Loan and lease loss provision to assets | 0.1285% | 1,777 |
| Net operating income to assets | 0.8252% | 3,193 |
| Return on assets (ROA) | 0.8823% | 3,075 |
| Pretax return on assets | 1.2831% | 2,472 |
| Return on Equity (ROE) | 10.2525% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.2525% | 552 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3516% | 2,925 |
| Assets per employee ($millions) | 5.1109% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,998 |
| Loan loss allowance to noncurrent loans | 216.6552% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 4,090 |
| Noncurrent loans to loans | 0.4095% | 3,888 |
| Net loans and leases to total assets | 74.2860% | 1,783 |
| Net loans and leases to deposits | 97.9649% | 895 |
| Net loans and leases to core deposits | 115.0356% | 677 |
| Total domestic deposits to total assets | 75.8292% | 5,311 |
| Equity capital to assets | 8.7004% | 5,483 |
| Core capital (leverage) ratio | 9.2271% | 4,551 |
| Tier 1 risk-based capital ratio | 12.6615% | 4,414 |
| Total risk-based capital ratio | 13.6115% | 4,529 |
| Memoranda: | ||
| Average total assets | $466,980,000 | 1,472 |
| Average earning assets | $424,595,670 | 1,493 |
| Average equity | $40,185,330 | 1,847 |
| Average total loans | $346,034,330 | 1,352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,796 |
| Cost of funding earning assets | 0.6340% | 1,128 |
| Net interest margin | 2.9029% | 5,316 |
| Noninterest income to average assets | 0.8816% | 1,353 |
| Noninterest expense to average assets | 3.0353% | 2,286 |
| Loan and lease loss provision to assets | 0.1296% | 1,630 |
| Net operating income to assets | 0.2794% | 5,358 |
| Return on assets (ROA) | 0.4166% | 5,015 |
| Pretax return on assets | 0.5134% | 5,049 |
| Return on Equity (ROE) | 4.8686% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.8686% | 3,023 |
| Net charge-offs to loans | 0.0774% | 1,715 |
| Credit loss provision to net charge-offs | 227.2727% | 1,001 |
| Earnings coverage of net charge-offs (x) | 8.3030% | 2,065 |
| Efficiency ratio | 86.5025% | 931 |
| Assets per employee ($millions) | 5.4141% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 5,173 |
| Loan loss allowance to noncurrent loans | 134.4592% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 3,611 |
| Noncurrent loans to loans | 0.6430% | 3,243 |
| Net loans and leases to total assets | 73.4044% | 1,820 |
| Net loans and leases to deposits | 94.8358% | 1,057 |
| Net loans and leases to core deposits | 105.4197% | 1,116 |
| Total domestic deposits to total assets | 77.4016% | 5,231 |
| Equity capital to assets | 8.6123% | 5,481 |
| Core capital (leverage) ratio | 8.8711% | 4,996 |
| Tier 1 risk-based capital ratio | 13.1354% | 4,174 |
| Total risk-based capital ratio | 14.0902% | 4,276 |
| Memoranda: | ||
| Average total assets | $462,815,000 | 1,483 |
| Average earning assets | $418,894,500 | 1,512 |
| Average equity | $39,601,000 | 1,865 |
| Average total loans | $340,926,500 | 1,363 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 4,956 |
| Cost of funding earning assets | 0.6187% | 1,243 |
| Net interest margin | 2.8676% | 5,390 |
| Noninterest income to average assets | 1.0466% | 1,078 |
| Noninterest expense to average assets | 3.1430% | 2,107 |
| Loan and lease loss provision to assets | 0.1094% | 2,167 |
| Net operating income to assets | 0.3106% | 5,328 |
| Return on assets (ROA) | 0.4287% | 5,036 |
| Pretax return on assets | 0.5392% | 5,018 |
| Return on Equity (ROE) | 4.9610% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.9610% | 2,449 |
| Net charge-offs to loans | 0.0282% | 3,657 |
| Credit loss provision to net charge-offs | 538.0435% | 608 |
| Earnings coverage of net charge-offs (x) | 24.5435% | 1,667 |
| Efficiency ratio | 86.2936% | 972 |
| Assets per employee ($millions) | 5.4756% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 5,303 |
| Loan loss allowance to noncurrent loans | 103.3598% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 3,218 |
| Noncurrent loans to loans | 0.8115% | 2,754 |
| Net loans and leases to total assets | 72.6724% | 1,945 |
| Net loans and leases to deposits | 97.7654% | 838 |
| Net loans and leases to core deposits | 107.5731% | 993 |
| Total domestic deposits to total assets | 74.3334% | 5,615 |
| Equity capital to assets | 8.5014% | 5,562 |
| Core capital (leverage) ratio | 8.8444% | 5,059 |
| Tier 1 risk-based capital ratio | 13.1911% | 4,176 |
| Total risk-based capital ratio | 14.1335% | 4,289 |
| Memoranda: | ||
| Average total assets | $452,312,800 | 1,484 |
| Average earning assets | $409,398,600 | 1,502 |
| Average equity | $39,084,800 | 1,845 |
| Average total loans | $326,630,800 | 1,364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 5,032 |
| Cost of funding earning assets | 0.6230% | 1,258 |
| Net interest margin | 2.8550% | 5,487 |
| Noninterest income to average assets | 1.0630% | 1,061 |
| Noninterest expense to average assets | 3.0711% | 2,300 |
| Loan and lease loss provision to assets | 0.0861% | 2,439 |
| Net operating income to assets | 0.3703% | 5,261 |
| Return on assets (ROA) | 0.5208% | 4,810 |
| Pretax return on assets | 0.6907% | 4,711 |
| Return on Equity (ROE) | 6.0020% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.0020% | 2,247 |
| Net charge-offs to loans | 0.0211% | 3,514 |
| Credit loss provision to net charge-offs | 568.6275% | 592 |
| Earnings coverage of net charge-offs (x) | 38.0382% | 1,291 |
| Efficiency ratio | 84.2058% | 1,147 |
| Assets per employee ($millions) | 5.2280% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 5,392 |
| Loan loss allowance to noncurrent loans | 134.2800% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 3,985 |
| Noncurrent loans to loans | 0.6282% | 3,432 |
| Net loans and leases to total assets | 71.2845% | 2,178 |
| Net loans and leases to deposits | 93.8220% | 1,221 |
| Net loans and leases to core deposits | 101.7150% | 1,396 |
| Total domestic deposits to total assets | 75.9784% | 5,486 |
| Equity capital to assets | 8.9168% | 5,382 |
| Core capital (leverage) ratio | 9.0721% | 4,912 |
| Tier 1 risk-based capital ratio | 14.3680% | 3,644 |
| Total risk-based capital ratio | 15.3394% | 3,741 |
| Memoranda: | ||
| Average total assets | $449,033,500 | 1,505 |
| Average earning assets | $406,430,500 | 1,521 |
| Average equity | $38,964,000 | 1,862 |
| Average total loans | $323,013,500 | 1,387 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 5,169 |
| Cost of funding earning assets | 0.6273% | 1,247 |
| Net interest margin | 2.7990% | 5,614 |
| Noninterest income to average assets | 0.9996% | 1,183 |
| Noninterest expense to average assets | 2.9935% | 2,570 |
| Loan and lease loss provision to assets | 0.0932% | 2,260 |
| Net operating income to assets | 0.3363% | 5,340 |
| Return on assets (ROA) | 0.5411% | 4,707 |
| Pretax return on assets | 0.7208% | 4,596 |
| Return on Equity (ROE) | 6.2926% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.2926% | 2,066 |
| Net charge-offs to loans | 0.0130% | 3,470 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 58.0476% | 856 |
| Efficiency ratio | 84.6917% | 1,189 |
| Assets per employee ($millions) | 5.5185% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 5,576 |
| Loan loss allowance to noncurrent loans | 117.7046% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 3,937 |
| Noncurrent loans to loans | 0.6887% | 3,421 |
| Net loans and leases to total assets | 72.4283% | 1,909 |
| Net loans and leases to deposits | 97.0299% | 870 |
| Net loans and leases to core deposits | 104.1907% | 1,173 |
| Total domestic deposits to total assets | 74.6454% | 5,733 |
| Equity capital to assets | 8.8125% | 5,423 |
| Core capital (leverage) ratio | 8.7924% | 5,232 |
| Tier 1 risk-based capital ratio | 14.2763% | 3,773 |
| Total risk-based capital ratio | 15.2368% | 3,869 |
| Memoranda: | ||
| Average total assets | $450,583,330 | 1,511 |
| Average earning assets | $408,073,000 | 1,526 |
| Average equity | $38,743,670 | 1,880 |
| Average total loans | $324,194,000 | 1,382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,231 |
| Cost of funding earning assets | 0.6433% | 1,164 |
| Net interest margin | 2.7441% | 5,747 |
| Noninterest income to average assets | 0.9603% | 1,214 |
| Noninterest expense to average assets | 2.9100% | 2,874 |
| Loan and lease loss provision to assets | 0.1061% | 1,936 |
| Net operating income to assets | 0.3046% | 5,397 |
| Return on assets (ROA) | 0.6853% | 4,000 |
| Pretax return on assets | 0.9735% | 3,594 |
| Return on Equity (ROE) | 8.0688% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.0688% | 1,544 |
| Net charge-offs to loans | 0.0025% | 3,233 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 186 |
| Efficiency ratio | 84.4496% | 1,322 |
| Assets per employee ($millions) | 5.8230% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 5,751 |
| Loan loss allowance to noncurrent loans | 127.1605% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 4,254 |
| Noncurrent loans to loans | 0.6070% | 3,755 |
| Net loans and leases to total assets | 72.8798% | 1,676 |
| Net loans and leases to deposits | 100.4881% | 538 |
| Net loans and leases to core deposits | 105.3118% | 986 |
| Total domestic deposits to total assets | 72.5257% | 6,011 |
| Equity capital to assets | 8.5241% | 5,724 |
| Core capital (leverage) ratio | 8.7059% | 5,322 |
| Tier 1 risk-based capital ratio | 13.9771% | 4,043 |
| Total risk-based capital ratio | 14.9027% | 4,155 |
| Memoranda: | ||
| Average total assets | $452,375,500 | 1,509 |
| Average earning assets | $409,758,000 | 1,526 |
| Average equity | $38,419,500 | 1,906 |
| Average total loans | $323,091,000 | 1,388 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,672 |
| Cost of funding earning assets | 0.6614% | 1,328 |
| Net interest margin | 2.6596% | 5,996 |
| Noninterest income to average assets | 0.9864% | 1,246 |
| Noninterest expense to average assets | 3.0184% | 2,791 |
| Loan and lease loss provision to assets | 0.0868% | 2,735 |
| Net operating income to assets | 0.2291% | 5,706 |
| Return on assets (ROA) | 0.4018% | 5,281 |
| Pretax return on assets | 0.5044% | 5,243 |
| Return on Equity (ROE) | 4.7701% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.7701% | 2,779 |
| Net charge-offs to loans | 0.0483% | 3,857 |
| Credit loss provision to net charge-offs | 260.2740% | 988 |
| Earnings coverage of net charge-offs (x) | 11.2534% | 2,518 |
| Efficiency ratio | 88.9457% | 919 |
| Assets per employee ($millions) | 5.6319% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 5,812 |
| Loan loss allowance to noncurrent loans | 123.0346% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 4,342 |
| Noncurrent loans to loans | 0.6389% | 3,772 |
| Net loans and leases to total assets | 68.8335% | 2,429 |
| Net loans and leases to deposits | 95.4646% | 945 |
| Net loans and leases to core deposits | 102.2512% | 1,228 |
| Total domestic deposits to total assets | 72.1037% | 6,076 |
| Equity capital to assets | 8.4613% | 5,783 |
| Core capital (leverage) ratio | 8.7046% | 5,343 |
| Tier 1 risk-based capital ratio | 14.8793% | 3,551 |
| Total risk-based capital ratio | 15.8391% | 3,657 |
| Memoranda: | ||
| Average total assets | $437,978,000 | 1,520 |
| Average earning assets | $396,409,000 | 1,543 |
| Average equity | $36,896,600 | 1,906 |
| Average total loans | $302,068,400 | 1,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3241% | 5,721 |
| Cost of funding earning assets | 0.6721% | 1,308 |
| Net interest margin | 2.6520% | 6,071 |
| Noninterest income to average assets | 0.9432% | 1,382 |
| Noninterest expense to average assets | 3.0359% | 2,687 |
| Loan and lease loss provision to assets | 0.0736% | 2,867 |
| Net operating income to assets | 0.1877% | 5,871 |
| Return on assets (ROA) | 0.4103% | 5,286 |
| Pretax return on assets | 0.5173% | 5,273 |
| Return on Equity (ROE) | 4.8755% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.8755% | 3,172 |
| Net charge-offs to loans | 0.0637% | 3,297 |
| Credit loss provision to net charge-offs | 167.8322% | 1,462 |
| Earnings coverage of net charge-offs (x) | 7.0490% | 2,986 |
| Efficiency ratio | 90.7599% | 794 |
| Assets per employee ($millions) | 5.5250% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 5,913 |
| Loan loss allowance to noncurrent loans | 101.0889% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,298 |
| Noncurrent loans to loans | 0.7754% | 3,644 |
| Net loans and leases to total assets | 67.3050% | 2,646 |
| Net loans and leases to deposits | 89.6517% | 1,459 |
| Net loans and leases to core deposits | 95.8717% | 1,683 |
| Total domestic deposits to total assets | 75.0738% | 5,915 |
| Equity capital to assets | 8.6356% | 5,689 |
| Core capital (leverage) ratio | 8.7290% | 5,406 |
| Tier 1 risk-based capital ratio | 15.9031% | 3,103 |
| Total risk-based capital ratio | 16.8830% | 3,182 |
| Memoranda: | ||
| Average total assets | $434,833,750 | 1,539 |
| Average earning assets | $393,803,500 | 1,558 |
| Average equity | $36,590,000 | 1,928 |
| Average total loans | $299,438,000 | 1,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 5,701 |
| Cost of funding earning assets | 0.6869% | 1,258 |
| Net interest margin | 2.6697% | 6,084 |
| Noninterest income to average assets | 0.8957% | 1,506 |
| Noninterest expense to average assets | 3.0556% | 2,646 |
| Loan and lease loss provision to assets | 0.0806% | 2,688 |
| Net operating income to assets | 0.1299% | 5,990 |
| Return on assets (ROA) | 0.4462% | 5,109 |
| Pretax return on assets | 0.6171% | 4,903 |
| Return on Equity (ROE) | 5.3502% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.3502% | 2,734 |
| Net charge-offs to loans | 0.0858% | 2,832 |
| Credit loss provision to net charge-offs | 135.6589% | 1,560 |
| Earnings coverage of net charge-offs (x) | 4.3488% | 3,128 |
| Efficiency ratio | 92.2040% | 751 |
| Assets per employee ($millions) | 5.4782% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 6,068 |
| Loan loss allowance to noncurrent loans | 167.1576% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 5,118 |
| Noncurrent loans to loans | 0.4535% | 4,630 |
| Net loans and leases to total assets | 68.6721% | 2,295 |
| Net loans and leases to deposits | 90.1007% | 1,363 |
| Net loans and leases to core deposits | 96.2974% | 1,576 |
| Total domestic deposits to total assets | 76.2171% | 5,891 |
| Equity capital to assets | 8.6035% | 5,714 |
| Core capital (leverage) ratio | 8.6229% | 5,507 |
| Tier 1 risk-based capital ratio | 15.7103% | 3,240 |
| Total risk-based capital ratio | 16.6664% | 3,345 |
| Memoranda: | ||
| Average total assets | $434,287,330 | 1,541 |
| Average earning assets | $393,375,670 | 1,562 |
| Average equity | $36,222,670 | 1,937 |
| Average total loans | $300,554,330 | 1,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,842 |
| Cost of funding earning assets | 0.7115% | 1,179 |
| Net interest margin | 2.5882% | 6,251 |
| Noninterest income to average assets | 0.7834% | 1,826 |
| Noninterest expense to average assets | 2.9799% | 2,938 |
| Loan and lease loss provision to assets | 0.0828% | 2,514 |
| Net operating income to assets | 0.0531% | 6,120 |
| Return on assets (ROA) | 0.3834% | 5,246 |
| Pretax return on assets | 0.4781% | 5,234 |
| Return on Equity (ROE) | 4.6700% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.6700% | 3,317 |
| Net charge-offs to loans | 0.1514% | 1,813 |
| Credit loss provision to net charge-offs | 78.9474% | 1,906 |
| Earnings coverage of net charge-offs (x) | 1.4123% | 3,104 |
| Efficiency ratio | 95.2675% | 685 |
| Assets per employee ($millions) | 5.5665% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 6,218 |
| Loan loss allowance to noncurrent loans | 121.8041% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 4,907 |
| Noncurrent loans to loans | 0.6029% | 4,350 |
| Net loans and leases to total assets | 67.6509% | 2,274 |
| Net loans and leases to deposits | 87.2274% | 1,445 |
| Net loans and leases to core deposits | 93.0094% | 1,638 |
| Total domestic deposits to total assets | 77.5569% | 5,895 |
| Equity capital to assets | 8.2524% | 5,863 |
| Core capital (leverage) ratio | 8.4788% | 5,672 |
| Tier 1 risk-based capital ratio | 15.4343% | 3,476 |
| Total risk-based capital ratio | 16.3588% | 3,609 |
| Memoranda: | ||
| Average total assets | $435,042,500 | 1,544 |
| Average earning assets | $394,098,000 | 1,565 |
| Average equity | $35,717,000 | 1,956 |
| Average total loans | $301,098,000 | 1,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2841% | 6,021 |
| Cost of funding earning assets | 0.8743% | 846 |
| Net interest margin | 2.4097% | 6,437 |
| Noninterest income to average assets | 0.9149% | 1,633 |
| Noninterest expense to average assets | 2.8279% | 3,627 |
| Loan and lease loss provision to assets | 0.0663% | 3,801 |
| Net operating income to assets | 0.1893% | 5,855 |
| Return on assets (ROA) | 0.3519% | 5,438 |
| Pretax return on assets | 0.4080% | 5,481 |
| Return on Equity (ROE) | 4.2017% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.2017% | 3,184 |
| Net charge-offs to loans | 0.0346% | 4,751 |
| Credit loss provision to net charge-offs | 269.2308% | 840 |
| Earnings coverage of net charge-offs (x) | 11.5865% | 2,222 |
| Efficiency ratio | 90.8393% | 963 |
| Assets per employee ($millions) | 5.5887% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 6,302 |
| Loan loss allowance to noncurrent loans | 127.2311% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 5,037 |
| Noncurrent loans to loans | 0.5779% | 4,537 |
| Net loans and leases to total assets | 69.7773% | 2,052 |
| Net loans and leases to deposits | 91.5548% | 1,103 |
| Net loans and leases to core deposits | 97.6822% | 1,330 |
| Total domestic deposits to total assets | 76.2137% | 6,077 |
| Equity capital to assets | 8.1667% | 5,894 |
| Core capital (leverage) ratio | 8.4280% | 5,746 |
| Tier 1 risk-based capital ratio | 14.9915% | 3,673 |
| Total risk-based capital ratio | 15.9115% | 3,802 |
| Memoranda: | ||
| Average total assets | $422,546,400 | 1,567 |
| Average earning assets | $385,436,400 | 1,566 |
| Average equity | $35,390,600 | 1,948 |
| Average total loans | $300,467,600 | 1,404 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2666% | 6,110 |
| Cost of funding earning assets | 0.9167% | 751 |
| Net interest margin | 2.3499% | 6,557 |
| Noninterest income to average assets | 0.9111% | 1,714 |
| Noninterest expense to average assets | 2.8203% | 3,595 |
| Loan and lease loss provision to assets | 0.0824% | 3,419 |
| Net operating income to assets | 0.1331% | 6,071 |
| Return on assets (ROA) | 0.3522% | 5,558 |
| Pretax return on assets | 0.4131% | 5,589 |
| Return on Equity (ROE) | 4.1783% | 5,139 |
| Retained earnings to average equity (ytd only) | 4.1783% | 3,712 |
| Net charge-offs to loans | 0.0204% | 4,725 |
| Credit loss provision to net charge-offs | 565.2174% | 496 |
| Earnings coverage of net charge-offs (x) | 16.3049% | 1,814 |
| Efficiency ratio | 92.2256% | 840 |
| Assets per employee ($millions) | 5.6755% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 6,390 |
| Loan loss allowance to noncurrent loans | 219.1860% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 5,726 |
| Noncurrent loans to loans | 0.3369% | 5,378 |
| Net loans and leases to total assets | 70.4904% | 1,870 |
| Net loans and leases to deposits | 97.7609% | 584 |
| Net loans and leases to core deposits | 100.4705% | 1,080 |
| Total domestic deposits to total assets | 72.1049% | 6,486 |
| Equity capital to assets | 8.1294% | 6,062 |
| Core capital (leverage) ratio | 8.3238% | 5,947 |
| Tier 1 risk-based capital ratio | 15.0377% | 3,730 |
| Total risk-based capital ratio | 15.9830% | 3,889 |
| Memoranda: | ||
| Average total assets | $420,600,000 | 1,578 |
| Average earning assets | $384,286,500 | 1,581 |
| Average equity | $35,452,250 | 1,959 |
| Average total loans | $299,960,000 | 1,410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 6,176 |
| Cost of funding earning assets | 0.9635% | 660 |
| Net interest margin | 2.2755% | 6,639 |
| Noninterest income to average assets | 0.9179% | 1,753 |
| Noninterest expense to average assets | 2.7826% | 3,735 |
| Loan and lease loss provision to assets | 0.1247% | 2,763 |
| Net operating income to assets | 0.0734% | 6,193 |
| Return on assets (ROA) | 0.3477% | 5,592 |
| Pretax return on assets | 0.4398% | 5,552 |
| Return on Equity (ROE) | 4.0752% | 5,189 |
| Retained earnings to average equity (ytd only) | 4.0752% | 3,699 |
| Net charge-offs to loans | 0.0275% | 4,310 |
| Credit loss provision to net charge-offs | 634.1463% | 461 |
| Earnings coverage of net charge-offs (x) | 11.0488% | 2,095 |
| Efficiency ratio | 92.7578% | 837 |
| Assets per employee ($millions) | 5.8117% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 6,474 |
| Loan loss allowance to noncurrent loans | 141.5990% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 5,362 |
| Noncurrent loans to loans | 0.5071% | 5,000 |
| Net loans and leases to total assets | 72.8859% | 1,425 |
| Net loans and leases to deposits | 101.9008% | 338 |
| Net loans and leases to core deposits | 104.4849% | 816 |
| Total domestic deposits to total assets | 71.5264% | 6,587 |
| Equity capital to assets | 8.0615% | 6,158 |
| Core capital (leverage) ratio | 8.2580% | 5,944 |
| Tier 1 risk-based capital ratio | 14.7654% | 3,929 |
| Total risk-based capital ratio | 15.7059% | 4,091 |
| Memoranda: | ||
| Average total assets | $417,021,000 | 1,595 |
| Average earning assets | $381,541,670 | 1,594 |
| Average equity | $35,581,330 | 1,955 |
| Average total loans | $297,842,330 | 1,417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 6,071 |
| Cost of funding earning assets | 0.9944% | 633 |
| Net interest margin | 2.3426% | 6,651 |
| Noninterest income to average assets | 0.8166% | 2,066 |
| Noninterest expense to average assets | 2.8249% | 3,614 |
| Loan and lease loss provision to assets | 0.1754% | 2,112 |
| Net operating income to assets | -0.0370% | 6,385 |
| Return on assets (ROA) | 0.3342% | 5,565 |
| Pretax return on assets | 0.3752% | 5,632 |
| Return on Equity (ROE) | 3.8072% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.8072% | 3,952 |
| Net charge-offs to loans | 0.0443% | 3,411 |
| Credit loss provision to net charge-offs | 562.5000% | 478 |
| Earnings coverage of net charge-offs (x) | 4.2813% | 2,589 |
| Efficiency ratio | 95.4875% | 754 |
| Assets per employee ($millions) | 5.8034% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 6,548 |
| Loan loss allowance to noncurrent loans | 51.8291% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 3,834 |
| Noncurrent loans to loans | 1.4075% | 3,457 |
| Net loans and leases to total assets | 71.5201% | 1,431 |
| Net loans and leases to deposits | 98.1873% | 433 |
| Net loans and leases to core deposits | 100.8474% | 903 |
| Total domestic deposits to total assets | 72.8404% | 6,614 |
| Equity capital to assets | 8.6226% | 5,888 |
| Core capital (leverage) ratio | 8.4425% | 5,653 |
| Tier 1 risk-based capital ratio | 15.0989% | 3,770 |
| Total risk-based capital ratio | 16.0407% | 3,945 |
| Memoranda: | ||
| Average total assets | $410,497,500 | 1,635 |
| Average earning assets | $375,308,000 | 1,630 |
| Average equity | $36,037,000 | 1,960 |
| Average total loans | $288,900,500 | 1,467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 5,822 |
| Cost of funding earning assets | 1.1727% | 655 |
| Net interest margin | 2.6265% | 6,608 |
| Noninterest income to average assets | 1.0425% | 1,426 |
| Noninterest expense to average assets | 2.8825% | 3,710 |
| Loan and lease loss provision to assets | 0.1641% | 3,560 |
| Net operating income to assets | 0.3555% | 5,273 |
| Return on assets (ROA) | 0.6037% | 4,484 |
| Pretax return on assets | 0.6403% | 4,847 |
| Return on Equity (ROE) | 6.6689% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.6689% | 1,736 |
| Net charge-offs to loans | 0.1416% | 4,277 |
| Credit loss provision to net charge-offs | 181.8182% | 1,447 |
| Earnings coverage of net charge-offs (x) | 5.9886% | 2,899 |
| Efficiency ratio | 84.2133% | 1,608 |
| Assets per employee ($millions) | 5.4480% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 6,583 |
| Loan loss allowance to noncurrent loans | 48.5423% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 3,848 |
| Noncurrent loans to loans | 1.5244% | 3,323 |
| Net loans and leases to total assets | 68.1419% | 2,161 |
| Net loans and leases to deposits | 96.5582% | 590 |
| Net loans and leases to core deposits | 99.6547% | 1,045 |
| Total domestic deposits to total assets | 70.5708% | 6,766 |
| Equity capital to assets | 8.9408% | 5,590 |
| Core capital (leverage) ratio | 8.6729% | 5,364 |
| Tier 1 risk-based capital ratio | 15.7001% | 3,317 |
| Total risk-based capital ratio | 16.6225% | 3,461 |
| Memoranda: | ||
| Average total assets | $390,117,800 | 1,679 |
| Average earning assets | $353,552,400 | 1,690 |
| Average equity | $35,313,000 | 1,954 |
| Average total loans | $248,621,600 | 1,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 5,771 |
| Cost of funding earning assets | 1.2029% | 684 |
| Net interest margin | 2.7050% | 6,639 |
| Noninterest income to average assets | 1.0539% | 1,363 |
| Noninterest expense to average assets | 2.9212% | 3,514 |
| Loan and lease loss provision to assets | 0.1482% | 3,682 |
| Net operating income to assets | 0.3905% | 5,288 |
| Return on assets (ROA) | 0.6728% | 4,302 |
| Pretax return on assets | 0.7472% | 4,684 |
| Return on Equity (ROE) | 7.4085% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.4085% | 1,894 |
| Net charge-offs to loans | 0.1612% | 3,826 |
| Credit loss provision to net charge-offs | 147.2603% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.7809% | 2,928 |
| Efficiency ratio | 83.3924% | 1,656 |
| Assets per employee ($millions) | 5.2898% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 6,682 |
| Loan loss allowance to noncurrent loans | 48.3690% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 4,047 |
| Noncurrent loans to loans | 1.5560% | 3,448 |
| Net loans and leases to total assets | 64.8155% | 2,877 |
| Net loans and leases to deposits | 89.8272% | 1,167 |
| Net loans and leases to core deposits | 92.6197% | 1,715 |
| Total domestic deposits to total assets | 72.1558% | 6,734 |
| Equity capital to assets | 9.3436% | 5,415 |
| Core capital (leverage) ratio | 8.9617% | 5,121 |
| Tier 1 risk-based capital ratio | 16.2281% | 3,148 |
| Total risk-based capital ratio | 17.1219% | 3,309 |
| Memoranda: | ||
| Average total assets | $386,859,750 | 1,711 |
| Average earning assets | $350,262,250 | 1,719 |
| Average equity | $35,130,000 | 1,985 |
| Average total loans | $241,586,500 | 1,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 6,050 |
| Cost of funding earning assets | 1.2187% | 755 |
| Net interest margin | 2.6227% | 6,803 |
| Noninterest income to average assets | 1.0178% | 1,410 |
| Noninterest expense to average assets | 2.8644% | 3,766 |
| Loan and lease loss provision to assets | 0.0853% | 4,521 |
| Net operating income to assets | 0.3964% | 5,219 |
| Return on assets (ROA) | 0.7838% | 3,718 |
| Pretax return on assets | 0.8690% | 4,201 |
| Return on Equity (ROE) | 8.7151% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.7151% | 1,370 |
| Net charge-offs to loans | -0.0017% | 6,084 |
| Credit loss provision to net charge-offs | -8,250.0000% | 6,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5380% | 1,581 |
| Assets per employee ($millions) | 5.4457% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 6,741 |
| Loan loss allowance to noncurrent loans | 39.8140% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 3,623 |
| Noncurrent loans to loans | 1.9175% | 3,045 |
| Net loans and leases to total assets | 62.1576% | 3,400 |
| Net loans and leases to deposits | 88.4334% | 1,328 |
| Net loans and leases to core deposits | 91.0172% | 1,871 |
| Total domestic deposits to total assets | 70.2875% | 6,894 |
| Equity capital to assets | 8.8302% | 5,874 |
| Core capital (leverage) ratio | 8.4761% | 5,677 |
| Tier 1 risk-based capital ratio | 15.6673% | 3,349 |
| Total risk-based capital ratio | 16.5546% | 3,529 |
| Memoranda: | ||
| Average total assets | $387,094,330 | 1,710 |
| Average earning assets | $349,873,670 | 1,722 |
| Average equity | $34,813,000 | 1,981 |
| Average total loans | $238,053,000 | 1,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 6,200 |
| Cost of funding earning assets | 1.2570% | 754 |
| Net interest margin | 2.5652% | 6,900 |
| Noninterest income to average assets | 0.9748% | 1,500 |
| Noninterest expense to average assets | 2.9381% | 3,481 |
| Loan and lease loss provision to assets | 0.1055% | 4,026 |
| Net operating income to assets | 0.1910% | 6,011 |
| Return on assets (ROA) | 0.5866% | 4,628 |
| Pretax return on assets | 0.7796% | 4,490 |
| Return on Equity (ROE) | 6.4600% | 4,064 |
| Retained earnings to average equity (ytd only) | 6.4600% | 2,714 |
| Net charge-offs to loans | -0.0624% | 6,618 |
| Credit loss provision to net charge-offs | -277.7778% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1485% | 1,163 |
| Assets per employee ($millions) | 5.3208% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 6,770 |
| Loan loss allowance to noncurrent loans | 35.0462% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 3,591 |
| Noncurrent loans to loans | 2.2343% | 2,881 |
| Net loans and leases to total assets | 61.8504% | 3,288 |
| Net loans and leases to deposits | 87.1997% | 1,261 |
| Net loans and leases to core deposits | 89.6858% | 1,882 |
| Total domestic deposits to total assets | 70.9296% | 6,936 |
| Equity capital to assets | 8.9157% | 5,619 |
| Core capital (leverage) ratio | 8.5142% | 5,570 |
| Tier 1 risk-based capital ratio | 15.7066% | 3,335 |
| Total risk-based capital ratio | 16.6071% | 3,484 |
| Memoranda: | ||
| Average total assets | $379,150,500 | 1,746 |
| Average earning assets | $343,051,000 | 1,764 |
| Average equity | $34,427,500 | 2,008 |
| Average total loans | $230,874,000 | 1,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 5,919 |
| Cost of funding earning assets | 1.4738% | 793 |
| Net interest margin | 2.7754% | 6,846 |
| Noninterest income to average assets | 0.9987% | 1,371 |
| Noninterest expense to average assets | 3.0798% | 3,271 |
| Loan and lease loss provision to assets | 0.2968% | 3,291 |
| Net operating income to assets | 0.0941% | 5,876 |
| Return on assets (ROA) | 0.3318% | 5,292 |
| Pretax return on assets | 0.4005% | 5,296 |
| Return on Equity (ROE) | 3.7729% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.7729% | 3,531 |
| Net charge-offs to loans | 0.0979% | 5,366 |
| Credit loss provision to net charge-offs | 520.4651% | 440 |
| Earnings coverage of net charge-offs (x) | 7.2047% | 2,377 |
| Efficiency ratio | 88.2295% | 1,343 |
| Assets per employee ($millions) | 5.1373% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 6,765 |
| Loan loss allowance to noncurrent loans | 32.9597% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5470% | 3,629 |
| Noncurrent loans to loans | 2.3969% | 2,729 |
| Net loans and leases to total assets | 58.9048% | 4,211 |
| Net loans and leases to deposits | 83.5394% | 1,978 |
| Net loans and leases to core deposits | 86.1663% | 2,615 |
| Total domestic deposits to total assets | 70.5114% | 6,962 |
| Equity capital to assets | 9.2529% | 5,205 |
| Core capital (leverage) ratio | 8.8381% | 5,041 |
| Tier 1 risk-based capital ratio | 15.5760% | 3,278 |
| Total risk-based capital ratio | 16.4064% | 3,505 |
| Memoranda: | ||
| Average total assets | $376,999,400 | 1,725 |
| Average earning assets | $338,512,400 | 1,752 |
| Average equity | $33,157,800 | 2,008 |
| Average total loans | $219,603,200 | 1,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 6,024 |
| Cost of funding earning assets | 1.4844% | 920 |
| Net interest margin | 2.7878% | 6,896 |
| Noninterest income to average assets | 0.9666% | 1,433 |
| Noninterest expense to average assets | 2.8970% | 3,945 |
| Loan and lease loss provision to assets | 0.1764% | 4,273 |
| Net operating income to assets | 0.3298% | 5,293 |
| Return on assets (ROA) | 0.3675% | 5,321 |
| Pretax return on assets | 0.4421% | 5,336 |
| Return on Equity (ROE) | 4.2321% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.2321% | 3,718 |
| Net charge-offs to loans | 0.1081% | 4,921 |
| Credit loss provision to net charge-offs | 281.4607% | 1,020 |
| Earnings coverage of net charge-offs (x) | 9.1460% | 2,091 |
| Efficiency ratio | 83.4855% | 1,793 |
| Assets per employee ($millions) | 5.2832% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 6,853 |
| Loan loss allowance to noncurrent loans | 31.4343% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6239% | 3,649 |
| Noncurrent loans to loans | 2.4824% | 2,790 |
| Net loans and leases to total assets | 56.5739% | 4,749 |
| Net loans and leases to deposits | 86.0765% | 1,683 |
| Net loans and leases to core deposits | 88.4324% | 2,432 |
| Total domestic deposits to total assets | 65.7251% | 7,205 |
| Equity capital to assets | 8.9860% | 5,772 |
| Core capital (leverage) ratio | 8.4350% | 5,798 |
| Tier 1 risk-based capital ratio | 15.3670% | 3,449 |
| Total risk-based capital ratio | 16.1825% | 3,675 |
| Memoranda: | ||
| Average total assets | $378,778,000 | 1,719 |
| Average earning assets | $340,143,750 | 1,755 |
| Average equity | $32,891,000 | 2,015 |
| Average total loans | $219,600,250 | 1,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 5,925 |
| Cost of funding earning assets | 1.4932% | 1,030 |
| Net interest margin | 2.8335% | 6,883 |
| Noninterest income to average assets | 0.9254% | 1,555 |
| Noninterest expense to average assets | 2.8783% | 4,109 |
| Loan and lease loss provision to assets | 0.1248% | 4,729 |
| Net operating income to assets | 0.3759% | 5,049 |
| Return on assets (ROA) | 0.4271% | 4,976 |
| Pretax return on assets | 0.5259% | 4,979 |
| Return on Equity (ROE) | 4.9780% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.9780% | 3,021 |
| Net charge-offs to loans | 0.1759% | 4,115 |
| Credit loss provision to net charge-offs | 121.7617% | 2,504 |
| Earnings coverage of net charge-offs (x) | 5.7306% | 2,540 |
| Efficiency ratio | 83.0472% | 1,949 |
| Assets per employee ($millions) | 5.0805% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 6,870 |
| Loan loss allowance to noncurrent loans | 28.9487% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,828 |
| Noncurrent loans to loans | 2.7598% | 2,638 |
| Net loans and leases to total assets | 56.7988% | 4,851 |
| Net loans and leases to deposits | 86.3120% | 1,744 |
| Net loans and leases to core deposits | 88.5807% | 2,553 |
| Total domestic deposits to total assets | 65.8064% | 7,265 |
| Equity capital to assets | 8.7464% | 5,880 |
| Core capital (leverage) ratio | 8.4504% | 5,631 |
| Tier 1 risk-based capital ratio | 15.6350% | 3,162 |
| Total risk-based capital ratio | 16.4841% | 3,340 |
| Memoranda: | ||
| Average total assets | $376,478,670 | 1,736 |
| Average earning assets | $337,537,670 | 1,776 |
| Average equity | $32,302,330 | 2,043 |
| Average total loans | $219,497,670 | 1,913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 5,633 |
| Cost of funding earning assets | 1.4954% | 1,183 |
| Net interest margin | 2.9220% | 6,721 |
| Noninterest income to average assets | 0.8744% | 1,748 |
| Noninterest expense to average assets | 2.8851% | 4,126 |
| Loan and lease loss provision to assets | 0.1069% | 4,674 |
| Net operating income to assets | 0.4195% | 4,859 |
| Return on assets (ROA) | 0.3731% | 5,142 |
| Pretax return on assets | 0.4575% | 5,161 |
| Return on Equity (ROE) | 4.3913% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.3913% | 3,537 |
| Net charge-offs to loans | 0.2071% | 3,270 |
| Credit loss provision to net charge-offs | 87.7193% | 2,977 |
| Earnings coverage of net charge-offs (x) | 5.0965% | 2,337 |
| Efficiency ratio | 82.2866% | 2,181 |
| Assets per employee ($millions) | 5.0850% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,903 |
| Loan loss allowance to noncurrent loans | 69.3894% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,619 |
| Noncurrent loans to loans | 1.1633% | 4,760 |
| Net loans and leases to total assets | 57.1479% | 4,775 |
| Net loans and leases to deposits | 85.4115% | 1,816 |
| Net loans and leases to core deposits | 87.5646% | 2,659 |
| Total domestic deposits to total assets | 66.9089% | 7,302 |
| Equity capital to assets | 8.5086% | 5,893 |
| Core capital (leverage) ratio | 8.4168% | 5,597 |
| Tier 1 risk-based capital ratio | 15.8299% | 2,982 |
| Total risk-based capital ratio | 16.7054% | 3,129 |
| Memoranda: | ||
| Average total assets | $374,200,000 | 1,760 |
| Average earning assets | $337,027,000 | 1,780 |
| Average equity | $31,790,000 | 2,062 |
| Average total loans | $220,163,000 | 1,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 5,633 |
| Cost of funding earning assets | 1.7003% | 1,596 |
| Net interest margin | 3.0454% | 6,649 |
| Noninterest income to average assets | 0.9976% | 1,509 |
| Noninterest expense to average assets | 2.9951% | 3,865 |
| Loan and lease loss provision to assets | 0.0908% | 6,232 |
| Net operating income to assets | 0.5495% | 3,892 |
| Return on assets (ROA) | 0.6508% | 3,581 |
| Pretax return on assets | 0.7814% | 3,692 |
| Return on Equity (ROE) | 7.7305% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.7305% | 1,068 |
| Net charge-offs to loans | -0.2266% | 7,551 |
| Credit loss provision to net charge-offs | -68.6475% | 7,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9681% | 2,422 |
| Assets per employee ($millions) | 5.0285% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,960 |
| Loan loss allowance to noncurrent loans | 161.9477% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 6,495 |
| Noncurrent loans to loans | 0.4961% | 6,048 |
| Net loans and leases to total assets | 59.5894% | 4,748 |
| Net loans and leases to deposits | 88.9078% | 1,658 |
| Net loans and leases to core deposits | 91.0927% | 2,607 |
| Total domestic deposits to total assets | 67.0238% | 7,361 |
| Equity capital to assets | 8.4822% | 5,877 |
| Core capital (leverage) ratio | 8.4153% | 5,509 |
| Tier 1 risk-based capital ratio | 15.8819% | 2,804 |
| Total risk-based capital ratio | 16.7935% | 2,945 |
| Memoranda: | ||
| Average total assets | $368,803,400 | 1,783 |
| Average earning assets | $332,760,200 | 1,795 |
| Average equity | $31,046,000 | 2,113 |
| Average total loans | $215,389,000 | 2,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 5,725 |
| Cost of funding earning assets | 1.7300% | 1,723 |
| Net interest margin | 3.0539% | 6,722 |
| Noninterest income to average assets | 0.9634% | 1,570 |
| Noninterest expense to average assets | 2.9262% | 3,995 |
| Loan and lease loss provision to assets | 0.0833% | 6,206 |
| Net operating income to assets | 0.5415% | 4,126 |
| Return on assets (ROA) | 0.6671% | 3,725 |
| Pretax return on assets | 0.8710% | 3,658 |
| Return on Equity (ROE) | 7.9394% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9394% | 1,441 |
| Net charge-offs to loans | -0.2656% | 7,643 |
| Credit loss provision to net charge-offs | -54.1176% | 6,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7135% | 2,528 |
| Assets per employee ($millions) | 5.1700% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 7,143 |
| Loan loss allowance to noncurrent loans | 199.3880% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,762 |
| Noncurrent loans to loans | 0.3675% | 6,460 |
| Net loans and leases to total assets | 59.2798% | 5,047 |
| Net loans and leases to deposits | 88.1017% | 1,994 |
| Net loans and leases to core deposits | 90.2522% | 3,061 |
| Total domestic deposits to total assets | 67.2856% | 7,412 |
| Equity capital to assets | 8.7127% | 5,991 |
| Core capital (leverage) ratio | 8.2938% | 5,880 |
| Tier 1 risk-based capital ratio | 15.6508% | 2,926 |
| Total risk-based capital ratio | 16.4804% | 3,107 |
| Memoranda: | ||
| Average total assets | $367,977,250 | 1,803 |
| Average earning assets | $331,853,000 | 1,825 |
| Average equity | $30,916,750 | 2,140 |
| Average total loans | $213,353,000 | 2,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 5,664 |
| Cost of funding earning assets | 1.7507% | 1,859 |
| Net interest margin | 3.0841% | 6,644 |
| Noninterest income to average assets | 0.9057% | 1,670 |
| Noninterest expense to average assets | 2.8809% | 4,144 |
| Loan and lease loss provision to assets | 0.0655% | 6,294 |
| Net operating income to assets | 0.5876% | 3,925 |
| Return on assets (ROA) | 0.6531% | 3,767 |
| Pretax return on assets | 0.8337% | 3,762 |
| Return on Equity (ROE) | 7.8720% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.8720% | 1,487 |
| Net charge-offs to loans | 0.0580% | 5,581 |
| Credit loss provision to net charge-offs | 196.7213% | 2,007 |
| Earnings coverage of net charge-offs (x) | 24.4918% | 1,066 |
| Efficiency ratio | 77.9451% | 2,736 |
| Assets per employee ($millions) | 5.0205% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4962% | 7,514 |
| Loan loss allowance to noncurrent loans | 148.2014% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,872 |
| Noncurrent loans to loans | 0.3348% | 6,560 |
| Net loans and leases to total assets | 56.3587% | 5,648 |
| Net loans and leases to deposits | 82.8117% | 3,113 |
| Net loans and leases to core deposits | 84.8295% | 4,016 |
| Total domestic deposits to total assets | 68.0564% | 7,428 |
| Equity capital to assets | 8.5776% | 6,049 |
| Core capital (leverage) ratio | 8.2399% | 5,875 |
| Tier 1 risk-based capital ratio | 16.6855% | 2,408 |
| Total risk-based capital ratio | 17.2567% | 2,630 |
| Memoranda: | ||
| Average total assets | $366,556,330 | 1,825 |
| Average earning assets | $331,634,670 | 1,837 |
| Average equity | $30,411,670 | 2,164 |
| Average total loans | $210,373,330 | 2,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9413% | 5,266 |
| Cost of funding earning assets | 1.7673% | 2,027 |
| Net interest margin | 3.1741% | 6,373 |
| Noninterest income to average assets | 0.8817% | 1,696 |
| Noninterest expense to average assets | 2.8665% | 4,199 |
| Loan and lease loss provision to assets | 0.0655% | 5,981 |
| Net operating income to assets | 0.6460% | 3,685 |
| Return on assets (ROA) | 0.6460% | 3,803 |
| Pretax return on assets | 0.8227% | 3,780 |
| Return on Equity (ROE) | 7.9200% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.9200% | 1,740 |
| Net charge-offs to loans | 0.1681% | 3,917 |
| Credit loss provision to net charge-offs | 67.4157% | 4,156 |
| Earnings coverage of net charge-offs (x) | 9.1461% | 1,889 |
| Efficiency ratio | 76.3441% | 3,160 |
| Assets per employee ($millions) | 4.4992% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4548% | 7,634 |
| Loan loss allowance to noncurrent loans | 149.7623% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,978 |
| Noncurrent loans to loans | 0.3037% | 6,718 |
| Net loans and leases to total assets | 56.7509% | 5,646 |
| Net loans and leases to deposits | 83.2667% | 3,070 |
| Net loans and leases to core deposits | 85.1922% | 4,013 |
| Total domestic deposits to total assets | 68.1556% | 7,518 |
| Equity capital to assets | 8.3400% | 6,245 |
| Core capital (leverage) ratio | 8.1103% | 6,058 |
| Tier 1 risk-based capital ratio | 16.1761% | 2,575 |
| Total risk-based capital ratio | 16.6946% | 2,842 |
| Memoranda: | ||
| Average total assets | $366,585,000 | 1,868 |
| Average earning assets | $331,813,500 | 1,890 |
| Average equity | $29,899,000 | 2,222 |
| Average total loans | $211,768,000 | 2,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2028% | 5,637 |
| Cost of funding earning assets | 2.3878% | 1,341 |
| Net interest margin | 2.8151% | 7,037 |
| Noninterest income to average assets | 1.2883% | 908 |
| Noninterest expense to average assets | 2.9754% | 4,248 |
| Loan and lease loss provision to assets | 0.2338% | 5,502 |
| Net operating income to assets | 0.5217% | 3,646 |
| Return on assets (ROA) | 0.5942% | 3,434 |
| Pretax return on assets | 0.6991% | 3,577 |
| Return on Equity (ROE) | 7.5092% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.5092% | 821 |
| Net charge-offs to loans | 0.2995% | 4,757 |
| Credit loss provision to net charge-offs | 117.4716% | 4,612 |
| Earnings coverage of net charge-offs (x) | 4.2585% | 3,008 |
| Efficiency ratio | 77.8304% | 3,220 |
| Assets per employee ($millions) | 4.3380% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 7,710 |
| Loan loss allowance to noncurrent loans | 96.4427% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 6,631 |
| Noncurrent loans to loans | 0.4690% | 6,318 |
| Net loans and leases to total assets | 58.2518% | 5,622 |
| Net loans and leases to deposits | 84.8461% | 3,110 |
| Net loans and leases to core deposits | 93.7257% | 4,702 |
| Total domestic deposits to total assets | 68.6558% | 7,508 |
| Equity capital to assets | 7.9744% | 6,609 |
| Core capital (leverage) ratio | 7.8461% | 6,393 |
| Tier 1 risk-based capital ratio | 15.5065% | 2,712 |
| Total risk-based capital ratio | 16.0303% | 3,011 |
| Memoranda: | ||
| Average total assets | $353,730,600 | 1,919 |
| Average earning assets | $318,499,400 | 1,959 |
| Average equity | $27,992,400 | 2,372 |
| Average total loans | $235,033,600 | 1,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 5,742 |
| Cost of funding earning assets | 2.4935% | 1,327 |
| Net interest margin | 2.7418% | 7,148 |
| Noninterest income to average assets | 1.1292% | 1,232 |
| Noninterest expense to average assets | 3.0035% | 4,029 |
| Loan and lease loss provision to assets | 0.1352% | 6,005 |
| Net operating income to assets | 0.3279% | 4,685 |
| Return on assets (ROA) | 0.3962% | 4,514 |
| Pretax return on assets | 0.5509% | 4,356 |
| Return on Equity (ROE) | 5.0168% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.0168% | 2,481 |
| Net charge-offs to loans | 0.2401% | 4,551 |
| Credit loss provision to net charge-offs | 82.1759% | 5,703 |
| Earnings coverage of net charge-offs (x) | 3.5926% | 3,470 |
| Efficiency ratio | 83.5524% | 2,346 |
| Assets per employee ($millions) | 4.4448% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3318% | 7,883 |
| Loan loss allowance to noncurrent loans | 74.0458% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 6,639 |
| Noncurrent loans to loans | 0.4481% | 6,431 |
| Net loans and leases to total assets | 63.9590% | 4,879 |
| Net loans and leases to deposits | 94.6967% | 1,768 |
| Net loans and leases to core deposits | 104.5819% | 3,863 |
| Total domestic deposits to total assets | 67.5409% | 7,607 |
| Equity capital to assets | 8.0996% | 6,744 |
| Core capital (leverage) ratio | 7.6710% | 6,768 |
| Tier 1 risk-based capital ratio | 14.8624% | 3,106 |
| Total risk-based capital ratio | 15.2769% | 3,486 |
| Memoranda: | ||
| Average total assets | $349,980,250 | 1,953 |
| Average earning assets | $314,727,000 | 2,001 |
| Average equity | $27,639,500 | 2,421 |
| Average total loans | $239,849,750 | 1,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 5,846 |
| Cost of funding earning assets | 2.5741% | 1,360 |
| Net interest margin | 2.6797% | 7,244 |
| Noninterest income to average assets | 1.1334% | 1,223 |
| Noninterest expense to average assets | 2.9941% | 4,106 |
| Loan and lease loss provision to assets | 0.1709% | 5,358 |
| Net operating income to assets | 0.2345% | 5,147 |
| Return on assets (ROA) | 0.3268% | 4,897 |
| Pretax return on assets | 0.5088% | 4,593 |
| Return on Equity (ROE) | 4.1759% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.1759% | 2,974 |
| Net charge-offs to loans | 0.1910% | 4,353 |
| Credit loss provision to net charge-offs | 127.7056% | 3,643 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,243 |
| Efficiency ratio | 84.8301% | 2,379 |
| Assets per employee ($millions) | 5.1963% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 7,924 |
| Loan loss allowance to noncurrent loans | 174.0530% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 7,053 |
| Noncurrent loans to loans | 0.2170% | 6,969 |
| Net loans and leases to total assets | 64.7964% | 4,809 |
| Net loans and leases to deposits | 103.9554% | 919 |
| Net loans and leases to core deposits | 114.9250% | 2,816 |
| Total domestic deposits to total assets | 62.3309% | 7,881 |
| Equity capital to assets | 7.3498% | 7,386 |
| Core capital (leverage) ratio | 7.3139% | 7,226 |
| Tier 1 risk-based capital ratio | 13.6201% | 3,742 |
| Total risk-based capital ratio | 14.0777% | 4,184 |
| Memoranda: | ||
| Average total assets | $345,149,000 | 2,004 |
| Average earning assets | $308,611,000 | 2,064 |
| Average equity | $27,012,330 | 2,475 |
| Average total loans | $241,836,330 | 1,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 6,194 |
| Cost of funding earning assets | 2.6962% | 1,285 |
| Net interest margin | 2.5314% | 7,463 |
| Noninterest income to average assets | 1.1541% | 1,111 |
| Noninterest expense to average assets | 3.5408% | 2,000 |
| Loan and lease loss provision to assets | 0.2843% | 3,684 |
| Net operating income to assets | -0.3895% | 6,771 |
| Return on assets (ROA) | -0.1694% | 6,605 |
| Pretax return on assets | -0.1657% | 6,535 |
| Return on Equity (ROE) | -2.0919% | 6,673 |
| Retained earnings to average equity (ytd only) | -2.0919% | 6,122 |
| Net charge-offs to loans | 0.3069% | 2,881 |
| Credit loss provision to net charge-offs | 127.0270% | 3,139 |
| Earnings coverage of net charge-offs (x) | -0.4541% | 5,235 |
| Efficiency ratio | 102.9546% | 1,017 |
| Assets per employee ($millions) | 4.8599% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3824% | 7,968 |
| Loan loss allowance to noncurrent loans | 249.3113% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 7,071 |
| Noncurrent loans to loans | 0.1534% | 7,083 |
| Net loans and leases to total assets | 70.3004% | 3,606 |
| Net loans and leases to deposits | 108.3085% | 709 |
| Net loans and leases to core deposits | 120.6058% | 2,361 |
| Total domestic deposits to total assets | 64.9075% | 7,799 |
| Equity capital to assets | 7.9574% | 6,873 |
| Core capital (leverage) ratio | 7.9529% | 6,543 |
| Tier 1 risk-based capital ratio | 14.5832% | 3,265 |
| Total risk-based capital ratio | 15.0784% | 3,606 |
| Memoranda: | ||
| Average total assets | $330,657,500 | 2,109 |
| Average earning assets | $298,489,000 | 2,135 |
| Average equity | $26,769,500 | 2,507 |
| Average total loans | $241,083,000 | 2,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 7,197 |
| Cost of funding earning assets | 2.8603% | 2,441 |
| Net interest margin | 2.6881% | 7,516 |
| Noninterest income to average assets | 1.0635% | 1,391 |
| Noninterest expense to average assets | 3.1488% | 3,517 |
| Loan and lease loss provision to assets | 0.1075% | 5,997 |
| Net operating income to assets | 0.1792% | 5,910 |
| Return on assets (ROA) | 0.3551% | 5,134 |
| Pretax return on assets | 0.4639% | 5,088 |
| Return on Equity (ROE) | 4.0306% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.0306% | 2,624 |
| Net charge-offs to loans | 0.2387% | 3,863 |
| Credit loss provision to net charge-offs | 62.8684% | 6,192 |
| Earnings coverage of net charge-offs (x) | 2.0059% | 5,070 |
| Efficiency ratio | 90.1780% | 1,501 |
| Assets per employee ($millions) | 4.6569% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3486% | 8,045 |
| Loan loss allowance to noncurrent loans | 144.5946% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,835 |
| Noncurrent loans to loans | 0.2411% | 6,661 |
| Net loans and leases to total assets | 75.0547% | 2,873 |
| Net loans and leases to deposits | 120.5919% | 374 |
| Net loans and leases to core deposits | 133.2701% | 1,636 |
| Total domestic deposits to total assets | 62.2386% | 7,873 |
| Equity capital to assets | 8.2382% | 6,499 |
| Core capital (leverage) ratio | 8.2208% | 6,123 |
| Tier 1 risk-based capital ratio | 14.5896% | 3,257 |
| Total risk-based capital ratio | 15.0558% | 3,565 |
| Memoranda: | ||
| Average total assets | $297,698,400 | 2,215 |
| Average earning assets | $268,924,800 | 2,237 |
| Average equity | $26,224,400 | 2,535 |
| Average total loans | $213,235,000 | 2,180 |