Home > Northstar Bank of Colorado > Performance and Condition Ratios
Northstar Bank of Colorado, 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 | 5.0049% | 595 |
| Cost of funding earning assets | 0.3271% | 3,805 |
| Net interest margin | 4.6778% | 447 |
| Noninterest income to average assets | 0.5404% | 2,978 |
| Noninterest expense to average assets | 2.9799% | 2,375 |
| Loan and lease loss provision to assets | 0.0977% | 2,271 |
| Net operating income to assets | 0.9722% | 2,561 |
| Return on assets (ROA) | 0.9722% | 2,689 |
| Pretax return on assets | 1.3558% | 2,213 |
| Return on Equity (ROE) | 6.2186% | 3,967 |
| Retained earnings to average equity (ytd only) | 3.4412% | 3,835 |
| Net charge-offs to loans | -0.0246% | 5,080 |
| Credit loss provision to net charge-offs | -592.1053% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6824% | 3,646 |
| Assets per employee ($millions) | 4.9181% | 2,466 |
| Cash dividends to net income (ytd only)* | 44.6628% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,362 |
| Loan loss allowance to noncurrent loans | 96.1552% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3732% | 1,362 |
| Noncurrent loans to loans | 1.4193% | 1,539 |
| Net loans and leases to total assets | 67.2285% | 2,915 |
| Net loans and leases to deposits | 80.8904% | 2,868 |
| Net loans and leases to core deposits | 85.3053% | 3,009 |
| Total domestic deposits to total assets | 83.1106% | 3,540 |
| Equity capital to assets | 16.0250% | 551 |
| Core capital (leverage) ratio | 10.8522% | 2,623 |
| Tier 1 risk-based capital ratio | 12.6090% | 4,402 |
| Total risk-based capital ratio | 13.7361% | 4,383 |
| Memoranda: | ||
| Average total assets | $614,137,500 | 1,143 |
| Average earning assets | $511,111,750 | 1,259 |
| Average equity | $96,011,000 | 828 |
| Average total loans | $411,343,500 | 1,181 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 594 |
| Cost of funding earning assets | 0.3206% | 3,896 |
| Net interest margin | 4.6799% | 434 |
| Noninterest income to average assets | 0.6166% | 2,532 |
| Noninterest expense to average assets | 2.9737% | 2,430 |
| Loan and lease loss provision to assets | 0.0972% | 2,209 |
| Net operating income to assets | 0.9802% | 2,466 |
| Return on assets (ROA) | 0.9802% | 2,614 |
| Pretax return on assets | 1.4485% | 1,843 |
| Return on Equity (ROE) | 6.3217% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.3217% | 1,949 |
| Net charge-offs to loans | -0.0287% | 5,098 |
| Credit loss provision to net charge-offs | -508.4746% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3006% | 3,962 |
| Assets per employee ($millions) | 4.6459% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,809 |
| Loan loss allowance to noncurrent loans | 158.3068% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 2,166 |
| Noncurrent loans to loans | 0.8188% | 2,694 |
| Net loans and leases to total assets | 68.3120% | 2,741 |
| Net loans and leases to deposits | 82.1231% | 2,699 |
| Net loans and leases to core deposits | 86.4249% | 2,859 |
| Total domestic deposits to total assets | 83.1825% | 3,581 |
| Equity capital to assets | 16.0132% | 544 |
| Core capital (leverage) ratio | 11.0369% | 2,397 |
| Tier 1 risk-based capital ratio | 12.5814% | 4,460 |
| Total risk-based capital ratio | 13.6625% | 4,499 |
| Memoranda: | ||
| Average total assets | $617,208,330 | 1,145 |
| Average earning assets | $514,712,670 | 1,249 |
| Average equity | $95,701,670 | 829 |
| Average total loans | $411,021,670 | 1,182 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 733 |
| Cost of funding earning assets | 0.3098% | 4,063 |
| Net interest margin | 4.5588% | 542 |
| Noninterest income to average assets | 0.6352% | 2,344 |
| Noninterest expense to average assets | 2.9226% | 2,624 |
| Loan and lease loss provision to assets | 0.0965% | 2,085 |
| Net operating income to assets | 0.9648% | 2,439 |
| Return on assets (ROA) | 0.9648% | 2,550 |
| Pretax return on assets | 1.4230% | 1,828 |
| Return on Equity (ROE) | 6.3234% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.3234% | 2,223 |
| Net charge-offs to loans | -0.0355% | 5,143 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 4,071 |
| Assets per employee ($millions) | 4.7496% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,760 |
| Loan loss allowance to noncurrent loans | 60.8051% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 1,142 |
| Noncurrent loans to loans | 2.1871% | 942 |
| Net loans and leases to total assets | 63.5295% | 3,314 |
| Net loans and leases to deposits | 75.9430% | 3,229 |
| Net loans and leases to core deposits | 79.7498% | 3,340 |
| Total domestic deposits to total assets | 83.6542% | 3,655 |
| Equity capital to assets | 15.5192% | 597 |
| Core capital (leverage) ratio | 10.5453% | 2,910 |
| Tier 1 risk-based capital ratio | 12.4629% | 4,606 |
| Total risk-based capital ratio | 13.5328% | 4,630 |
| Memoranda: | ||
| Average total assets | $621,504,500 | 1,134 |
| Average earning assets | $519,001,000 | 1,241 |
| Average equity | $94,823,000 | 834 |
| Average total loans | $405,923,500 | 1,193 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 701 |
| Cost of funding earning assets | 0.2595% | 4,693 |
| Net interest margin | 4.6839% | 463 |
| Noninterest income to average assets | 0.6256% | 2,589 |
| Noninterest expense to average assets | 3.0155% | 2,490 |
| Loan and lease loss provision to assets | 0.1519% | 1,551 |
| Net operating income to assets | 0.9926% | 2,406 |
| Return on assets (ROA) | 0.9947% | 2,487 |
| Pretax return on assets | 1.3040% | 2,272 |
| Return on Equity (ROE) | 5.6697% | 4,197 |
| Retained earnings to average equity (ytd only) | -13.0545% | 6,074 |
| Net charge-offs to loans | -0.0097% | 5,106 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8053% | 3,937 |
| Assets per employee ($millions) | 4.7753% | 2,639 |
| Cash dividends to net income (ytd only)* | 330.2510% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 3,290 |
| Loan loss allowance to noncurrent loans | 59.0804% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 1,194 |
| Noncurrent loans to loans | 2.0840% | 987 |
| Net loans and leases to total assets | 65.4129% | 3,064 |
| Net loans and leases to deposits | 77.7522% | 3,081 |
| Net loans and leases to core deposits | 80.8240% | 3,257 |
| Total domestic deposits to total assets | 84.1299% | 3,436 |
| Equity capital to assets | 14.9983% | 668 |
| Core capital (leverage) ratio | 10.2953% | 3,161 |
| Tier 1 risk-based capital ratio | 11.9476% | 4,986 |
| Total risk-based capital ratio | 12.9579% | 5,046 |
| Memoranda: | ||
| Average total assets | $608,818,200 | 1,120 |
| Average earning assets | $499,516,800 | 1,252 |
| Average equity | $106,813,800 | 725 |
| Average total loans | $380,964,000 | 1,211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 722 |
| Cost of funding earning assets | 0.2529% | 4,848 |
| Net interest margin | 4.6765% | 472 |
| Noninterest income to average assets | 0.6512% | 2,474 |
| Noninterest expense to average assets | 3.0191% | 2,461 |
| Loan and lease loss provision to assets | 0.1544% | 1,408 |
| Net operating income to assets | 0.9453% | 2,733 |
| Return on assets (ROA) | 0.9453% | 2,837 |
| Pretax return on assets | 1.2979% | 2,409 |
| Return on Equity (ROE) | 5.1933% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.1933% | 2,784 |
| Net charge-offs to loans | -0.0072% | 4,901 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8332% | 3,917 |
| Assets per employee ($millions) | 4.5074% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,553 |
| Loan loss allowance to noncurrent loans | 56.2840% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 1,171 |
| Noncurrent loans to loans | 2.1645% | 1,029 |
| Net loans and leases to total assets | 65.2297% | 3,126 |
| Net loans and leases to deposits | 81.0952% | 2,758 |
| Net loans and leases to core deposits | 83.7641% | 3,070 |
| Total domestic deposits to total assets | 80.4360% | 4,631 |
| Equity capital to assets | 18.6087% | 298 |
| Core capital (leverage) ratio | 13.5884% | 982 |
| Tier 1 risk-based capital ratio | 15.8664% | 2,859 |
| Total risk-based capital ratio | 16.8644% | 2,920 |
| Memoranda: | ||
| Average total assets | $604,633,000 | 1,134 |
| Average earning assets | $493,920,000 | 1,273 |
| Average equity | $110,061,500 | 697 |
| Average total loans | $372,630,750 | 1,230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 636 |
| Cost of funding earning assets | 0.2504% | 4,938 |
| Net interest margin | 4.7102% | 436 |
| Noninterest income to average assets | 0.6064% | 2,694 |
| Noninterest expense to average assets | 3.0573% | 2,374 |
| Loan and lease loss provision to assets | 0.1571% | 1,358 |
| Net operating income to assets | 0.8617% | 3,073 |
| Return on assets (ROA) | 0.8617% | 3,174 |
| Pretax return on assets | 1.2297% | 2,652 |
| Return on Equity (ROE) | 4.7692% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.7692% | 3,011 |
| Net charge-offs to loans | -0.0148% | 5,057 |
| Credit loss provision to net charge-offs | -1,759.2593% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0982% | 3,814 |
| Assets per employee ($millions) | 4.3080% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 3,350 |
| Loan loss allowance to noncurrent loans | 91.9738% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 1,517 |
| Noncurrent loans to loans | 1.3916% | 1,941 |
| Net loans and leases to total assets | 60.2111% | 3,800 |
| Net loans and leases to deposits | 74.7574% | 3,405 |
| Net loans and leases to core deposits | 76.8785% | 3,676 |
| Total domestic deposits to total assets | 80.5421% | 4,735 |
| Equity capital to assets | 18.5853% | 291 |
| Core capital (leverage) ratio | 13.3978% | 1,016 |
| Tier 1 risk-based capital ratio | 16.8677% | 2,456 |
| Total risk-based capital ratio | 17.9039% | 2,488 |
| Memoranda: | ||
| Average total assets | $604,846,330 | 1,142 |
| Average earning assets | $492,802,330 | 1,285 |
| Average equity | $109,283,670 | 704 |
| Average total loans | $363,893,670 | 1,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 728 |
| Cost of funding earning assets | 0.2507% | 5,016 |
| Net interest margin | 4.6306% | 471 |
| Noninterest income to average assets | 0.6656% | 2,333 |
| Noninterest expense to average assets | 3.0419% | 2,449 |
| Loan and lease loss provision to assets | 0.1639% | 1,223 |
| Net operating income to assets | 0.8780% | 2,852 |
| Return on assets (ROA) | 0.8780% | 2,981 |
| Pretax return on assets | 1.2268% | 2,565 |
| Return on Equity (ROE) | 4.9282% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.9282% | 3,094 |
| Net charge-offs to loans | -0.0208% | 5,066 |
| Credit loss provision to net charge-offs | -1,315.7895% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9379% | 3,996 |
| Assets per employee ($millions) | 4.2508% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,895 |
| Loan loss allowance to noncurrent loans | 51.5194% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 949 |
| Noncurrent loans to loans | 2.3552% | 1,046 |
| Net loans and leases to total assets | 59.8754% | 3,669 |
| Net loans and leases to deposits | 74.0174% | 3,309 |
| Net loans and leases to core deposits | 75.8849% | 3,609 |
| Total domestic deposits to total assets | 80.8936% | 4,849 |
| Equity capital to assets | 18.2608% | 310 |
| Core capital (leverage) ratio | 12.8090% | 1,231 |
| Tier 1 risk-based capital ratio | 15.8574% | 2,987 |
| Total risk-based capital ratio | 16.8275% | 3,051 |
| Memoranda: | ||
| Average total assets | $610,018,000 | 1,136 |
| Average earning assets | $496,267,500 | 1,277 |
| Average equity | $108,680,500 | 707 |
| Average total loans | $364,541,500 | 1,257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 281 |
| Cost of funding earning assets | 0.2603% | 5,220 |
| Net interest margin | 5.3244% | 176 |
| Noninterest income to average assets | 0.6302% | 2,677 |
| Noninterest expense to average assets | 3.3191% | 1,880 |
| Loan and lease loss provision to assets | 0.3869% | 470 |
| Net operating income to assets | 0.8390% | 3,183 |
| Return on assets (ROA) | 0.8390% | 3,274 |
| Pretax return on assets | 1.2184% | 2,578 |
| Return on Equity (ROE) | 5.0801% | 4,619 |
| Retained earnings to average equity (ytd only) | 5.0801% | 2,539 |
| Net charge-offs to loans | 0.3748% | 1,151 |
| Credit loss provision to net charge-offs | 186.8199% | 1,310 |
| Earnings coverage of net charge-offs (x) | 7.7517% | 2,983 |
| Efficiency ratio | 65.7483% | 4,297 |
| Assets per employee ($millions) | 4.4653% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 4,386 |
| Loan loss allowance to noncurrent loans | 45.5686% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 957 |
| Noncurrent loans to loans | 2.4830% | 1,025 |
| Net loans and leases to total assets | 58.2699% | 4,016 |
| Net loans and leases to deposits | 71.3055% | 3,757 |
| Net loans and leases to core deposits | 73.0804% | 4,020 |
| Total domestic deposits to total assets | 81.7186% | 4,518 |
| Equity capital to assets | 17.3864% | 378 |
| Core capital (leverage) ratio | 11.4141% | 2,049 |
| Tier 1 risk-based capital ratio | 15.4780% | 3,234 |
| Total risk-based capital ratio | 16.4408% | 3,332 |
| Memoranda: | ||
| Average total assets | $630,164,000 | 1,057 |
| Average earning assets | $508,240,600 | 1,208 |
| Average equity | $104,073,400 | 698 |
| Average total loans | $348,198,400 | 1,265 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,197 |
| Cost of funding earning assets | 0.2640% | 5,267 |
| Net interest margin | 4.4826% | 767 |
| Noninterest income to average assets | 0.5763% | 3,022 |
| Noninterest expense to average assets | 3.3810% | 1,716 |
| Loan and lease loss provision to assets | 0.2867% | 700 |
| Net operating income to assets | 0.3748% | 5,345 |
| Return on assets (ROA) | 0.3748% | 5,422 |
| Pretax return on assets | 0.5168% | 5,277 |
| Return on Equity (ROE) | 2.2990% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.2990% | 4,906 |
| Net charge-offs to loans | 0.3033% | 1,307 |
| Credit loss provision to net charge-offs | 173.9130% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.8747% | 3,361 |
| Efficiency ratio | 78.8586% | 2,067 |
| Assets per employee ($millions) | 3.8944% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 5,205 |
| Loan loss allowance to noncurrent loans | 26.4912% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.7136% | 558 |
| Noncurrent loans to loans | 3.7854% | 593 |
| Net loans and leases to total assets | 57.1398% | 4,186 |
| Net loans and leases to deposits | 69.7634% | 3,945 |
| Net loans and leases to core deposits | 71.6645% | 4,184 |
| Total domestic deposits to total assets | 81.9052% | 4,509 |
| Equity capital to assets | 16.8130% | 452 |
| Core capital (leverage) ratio | 10.6035% | 2,919 |
| Tier 1 risk-based capital ratio | 14.1012% | 4,145 |
| Total risk-based capital ratio | 14.9345% | 4,364 |
| Memoranda: | ||
| Average total assets | $632,536,000 | 1,067 |
| Average earning assets | $509,152,750 | 1,215 |
| Average equity | $103,113,500 | 706 |
| Average total loans | $343,796,500 | 1,282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 1,155 |
| Cost of funding earning assets | 0.2685% | 5,300 |
| Net interest margin | 4.4930% | 715 |
| Noninterest income to average assets | 0.6744% | 2,409 |
| Noninterest expense to average assets | 3.4466% | 1,580 |
| Loan and lease loss provision to assets | 0.3642% | 477 |
| Net operating income to assets | 0.3526% | 5,399 |
| Return on assets (ROA) | 0.3526% | 5,467 |
| Pretax return on assets | 0.4835% | 5,321 |
| Return on Equity (ROE) | 2.1852% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.1852% | 4,796 |
| Net charge-offs to loans | 0.3484% | 1,175 |
| Credit loss provision to net charge-offs | 196.2775% | 1,194 |
| Earnings coverage of net charge-offs (x) | 4.5685% | 3,083 |
| Efficiency ratio | 78.3798% | 2,250 |
| Assets per employee ($millions) | 3.8673% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,067 |
| Loan loss allowance to noncurrent loans | 25.1318% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 3.9304% | 555 |
| Noncurrent loans to loans | 4.2225% | 549 |
| Net loans and leases to total assets | 54.5638% | 4,473 |
| Net loans and leases to deposits | 66.6043% | 4,205 |
| Net loans and leases to core deposits | 68.5944% | 4,403 |
| Total domestic deposits to total assets | 81.9223% | 4,670 |
| Equity capital to assets | 16.9452% | 422 |
| Core capital (leverage) ratio | 10.3462% | 3,141 |
| Tier 1 risk-based capital ratio | 14.3691% | 4,016 |
| Total risk-based capital ratio | 15.2274% | 4,213 |
| Memoranda: | ||
| Average total assets | $636,977,670 | 1,061 |
| Average earning assets | $513,194,330 | 1,195 |
| Average equity | $102,782,000 | 709 |
| Average total loans | $339,262,000 | 1,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 924 |
| Cost of funding earning assets | 0.2705% | 5,376 |
| Net interest margin | 4.5924% | 561 |
| Noninterest income to average assets | 0.5736% | 2,892 |
| Noninterest expense to average assets | 3.5572% | 1,385 |
| Loan and lease loss provision to assets | 0.3231% | 569 |
| Net operating income to assets | 0.3077% | 5,466 |
| Return on assets (ROA) | 0.3077% | 5,514 |
| Pretax return on assets | 0.4130% | 5,413 |
| Return on Equity (ROE) | 1.9531% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.9531% | 4,816 |
| Net charge-offs to loans | 0.2597% | 1,294 |
| Credit loss provision to net charge-offs | 237.5566% | 931 |
| Earnings coverage of net charge-offs (x) | 5.4118% | 2,373 |
| Efficiency ratio | 81.0206% | 2,048 |
| Assets per employee ($millions) | 3.8453% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 5,592 |
| Loan loss allowance to noncurrent loans | 28.6060% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 3.6611% | 695 |
| Noncurrent loans to loans | 3.4345% | 863 |
| Net loans and leases to total assets | 52.5769% | 4,599 |
| Net loans and leases to deposits | 63.5661% | 4,367 |
| Net loans and leases to core deposits | 65.3732% | 4,565 |
| Total domestic deposits to total assets | 82.7122% | 4,712 |
| Equity capital to assets | 16.2042% | 499 |
| Core capital (leverage) ratio | 9.9727% | 3,608 |
| Tier 1 risk-based capital ratio | 14.2458% | 4,165 |
| Total risk-based capital ratio | 15.0435% | 4,429 |
| Memoranda: | ||
| Average total assets | $649,947,000 | 1,049 |
| Average earning assets | $526,440,000 | 1,165 |
| Average equity | $102,402,000 | 712 |
| Average total loans | $340,402,000 | 1,290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,110 |
| Cost of funding earning assets | 0.3029% | 5,565 |
| Net interest margin | 4.2227% | 1,293 |
| Noninterest income to average assets | 0.6731% | 2,686 |
| Noninterest expense to average assets | 3.8762% | 1,022 |
| Loan and lease loss provision to assets | 0.3819% | 798 |
| Net operating income to assets | -0.0507% | 6,254 |
| Return on assets (ROA) | -0.0507% | 6,287 |
| Pretax return on assets | -0.0979% | 6,286 |
| Return on Equity (ROE) | -0.3471% | 6,283 |
| Retained earnings to average equity (ytd only) | -0.3471% | 5,944 |
| Net charge-offs to loans | 0.0845% | 4,027 |
| Credit loss provision to net charge-offs | 867.8808% | 288 |
| Earnings coverage of net charge-offs (x) | 6.4536% | 3,061 |
| Efficiency ratio | 91.0310% | 950 |
| Assets per employee ($millions) | 3.9373% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 5,996 |
| Loan loss allowance to noncurrent loans | 19.1076% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 3.9738% | 672 |
| Noncurrent loans to loans | 4.5745% | 577 |
| Net loans and leases to total assets | 51.2310% | 4,946 |
| Net loans and leases to deposits | 61.2626% | 4,797 |
| Net loans and leases to core deposits | 63.1398% | 4,958 |
| Total domestic deposits to total assets | 83.6252% | 4,310 |
| Equity capital to assets | 15.3275% | 616 |
| Core capital (leverage) ratio | 9.4493% | 4,338 |
| Tier 1 risk-based capital ratio | 14.2748% | 4,099 |
| Total risk-based capital ratio | 15.0085% | 4,424 |
| Memoranda: | ||
| Average total assets | $686,369,800 | 966 |
| Average earning assets | $566,800,200 | 1,072 |
| Average equity | $100,266,000 | 702 |
| Average total loans | $357,578,400 | 1,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 2,075 |
| Cost of funding earning assets | 0.3075% | 5,668 |
| Net interest margin | 4.2329% | 1,236 |
| Noninterest income to average assets | 0.6208% | 3,035 |
| Noninterest expense to average assets | 3.7857% | 1,101 |
| Loan and lease loss provision to assets | 0.3964% | 769 |
| Net operating income to assets | -0.0334% | 6,326 |
| Return on assets (ROA) | -0.0334% | 6,365 |
| Pretax return on assets | -0.0528% | 6,361 |
| Return on Equity (ROE) | -0.2310% | 6,364 |
| Retained earnings to average equity (ytd only) | -0.2310% | 5,986 |
| Net charge-offs to loans | 0.2323% | 2,411 |
| Credit loss provision to net charge-offs | 326.8680% | 786 |
| Earnings coverage of net charge-offs (x) | 2.8331% | 3,888 |
| Efficiency ratio | 89.5373% | 1,036 |
| Assets per employee ($millions) | 4.1499% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 6,528 |
| Loan loss allowance to noncurrent loans | 11.5595% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 4.5918% | 645 |
| Noncurrent loans to loans | 5.4194% | 512 |
| Net loans and leases to total assets | 50.1914% | 5,120 |
| Net loans and leases to deposits | 59.9362% | 4,978 |
| Net loans and leases to core deposits | 61.9785% | 5,115 |
| Total domestic deposits to total assets | 83.7414% | 4,297 |
| Equity capital to assets | 15.3099% | 656 |
| Core capital (leverage) ratio | 9.3488% | 4,619 |
| Tier 1 risk-based capital ratio | 15.6116% | 3,400 |
| Total risk-based capital ratio | 16.1757% | 3,751 |
| Memoranda: | ||
| Average total assets | $691,609,250 | 963 |
| Average earning assets | $573,239,750 | 1,071 |
| Average equity | $99,834,750 | 717 |
| Average total loans | $360,997,250 | 1,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 5,830 |
| Cost of funding earning assets | 0.1167% | 6,787 |
| Net interest margin | 3.3173% | 4,499 |
| Noninterest income to average assets | 0.6987% | 2,646 |
| Noninterest expense to average assets | 2.6768% | 4,122 |
| Loan and lease loss provision to assets | 0.2232% | 1,695 |
| Net operating income to assets | 0.3847% | 5,267 |
| Return on assets (ROA) | 0.3847% | 5,434 |
| Pretax return on assets | 0.5826% | 5,087 |
| Return on Equity (ROE) | 3.2128% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.2128% | 4,262 |
| Net charge-offs to loans | 0.4877% | 1,346 |
| Credit loss provision to net charge-offs | 132.3353% | 1,722 |
| Earnings coverage of net charge-offs (x) | 4.7784% | 3,037 |
| Efficiency ratio | 73.1226% | 3,286 |
| Assets per employee ($millions) | 5.0460% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,505 |
| Loan loss allowance to noncurrent loans | 39.4779% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 3,128 |
| Noncurrent loans to loans | 2.7456% | 1,658 |
| Net loans and leases to total assets | 34.3622% | 6,394 |
| Net loans and leases to deposits | 39.6000% | 6,424 |
| Net loans and leases to core deposits | 40.5786% | 6,447 |
| Total domestic deposits to total assets | 86.7730% | 2,963 |
| Equity capital to assets | 11.9825% | 1,926 |
| Core capital (leverage) ratio | 8.0589% | 6,140 |
| Tier 1 risk-based capital ratio | 15.7292% | 3,343 |
| Total risk-based capital ratio | 16.5064% | 3,582 |
| Memoranda: | ||
| Average total assets | $198,071,330 | 3,091 |
| Average earning assets | $166,221,670 | 3,311 |
| Average equity | $23,717,670 | 2,796 |
| Average total loans | $68,480,330 | 4,369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 5,734 |
| Cost of funding earning assets | 0.1182% | 6,867 |
| Net interest margin | 3.3701% | 4,234 |
| Noninterest income to average assets | 0.6804% | 2,695 |
| Noninterest expense to average assets | 2.6451% | 4,261 |
| Loan and lease loss provision to assets | 0.1812% | 2,044 |
| Net operating income to assets | 0.4388% | 4,964 |
| Return on assets (ROA) | 0.4388% | 5,129 |
| Pretax return on assets | 0.6663% | 4,719 |
| Return on Equity (ROE) | 3.6660% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.6660% | 4,040 |
| Net charge-offs to loans | 0.1517% | 2,489 |
| Credit loss provision to net charge-offs | 346.1538% | 710 |
| Earnings coverage of net charge-offs (x) | 16.1923% | 1,371 |
| Efficiency ratio | 72.0461% | 3,607 |
| Assets per employee ($millions) | 4.9942% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,531 |
| Loan loss allowance to noncurrent loans | 56.8939% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.9510% | 2,409 |
| Noncurrent loans to loans | 1.9645% | 2,658 |
| Net loans and leases to total assets | 34.1122% | 6,412 |
| Net loans and leases to deposits | 39.4005% | 6,446 |
| Net loans and leases to core deposits | 40.4948% | 6,463 |
| Total domestic deposits to total assets | 86.5782% | 3,196 |
| Equity capital to assets | 12.2430% | 1,871 |
| Core capital (leverage) ratio | 8.1337% | 6,010 |
| Tier 1 risk-based capital ratio | 15.7766% | 3,388 |
| Total risk-based capital ratio | 16.5794% | 3,593 |
| Memoranda: | ||
| Average total assets | $198,709,500 | 3,111 |
| Average earning assets | $165,809,500 | 3,350 |
| Average equity | $23,786,000 | 2,826 |
| Average total loans | $68,538,500 | 4,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 4,659 |
| Cost of funding earning assets | 0.1496% | 6,916 |
| Net interest margin | 4.0314% | 2,265 |
| Noninterest income to average assets | 0.6062% | 3,246 |
| Noninterest expense to average assets | 2.7576% | 4,186 |
| Loan and lease loss provision to assets | 0.3899% | 1,672 |
| Net operating income to assets | 0.5309% | 4,561 |
| Return on assets (ROA) | 0.5309% | 4,828 |
| Pretax return on assets | 0.8057% | 4,269 |
| Return on Equity (ROE) | 4.2863% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.2863% | 3,206 |
| Net charge-offs to loans | 0.4002% | 2,659 |
| Credit loss provision to net charge-offs | 237.7049% | 1,045 |
| Earnings coverage of net charge-offs (x) | 7.2885% | 2,639 |
| Efficiency ratio | 65.2925% | 4,647 |
| Assets per employee ($millions) | 4.9426% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 6,018 |
| Loan loss allowance to noncurrent loans | 47.6422% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9329% | 2,530 |
| Noncurrent loans to loans | 2.0634% | 2,622 |
| Net loans and leases to total assets | 34.1471% | 6,538 |
| Net loans and leases to deposits | 39.1657% | 6,589 |
| Net loans and leases to core deposits | 40.0012% | 6,616 |
| Total domestic deposits to total assets | 87.1861% | 2,718 |
| Equity capital to assets | 11.7080% | 2,266 |
| Core capital (leverage) ratio | 7.6840% | 6,415 |
| Tier 1 risk-based capital ratio | 14.5087% | 4,030 |
| Total risk-based capital ratio | 15.2249% | 4,363 |
| Memoranda: | ||
| Average total assets | $185,925,600 | 3,221 |
| Average earning assets | $154,364,800 | 3,478 |
| Average equity | $23,026,600 | 2,849 |
| Average total loans | $76,205,400 | 4,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,864 |
| Cost of funding earning assets | 0.1568% | 7,022 |
| Net interest margin | 4.2865% | 1,512 |
| Noninterest income to average assets | 0.6082% | 3,222 |
| Noninterest expense to average assets | 2.6872% | 4,415 |
| Loan and lease loss provision to assets | 0.4732% | 1,310 |
| Net operating income to assets | 0.6441% | 4,177 |
| Return on assets (ROA) | 0.6441% | 4,430 |
| Pretax return on assets | 0.9977% | 3,723 |
| Return on Equity (ROE) | 5.1228% | 4,765 |
| Retained earnings to average equity (ytd only) | 5.1228% | 3,275 |
| Net charge-offs to loans | 0.2177% | 3,421 |
| Credit loss provision to net charge-offs | 507.8740% | 526 |
| Earnings coverage of net charge-offs (x) | 15.7873% | 1,728 |
| Efficiency ratio | 60.2858% | 5,451 |
| Assets per employee ($millions) | 4.7322% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,837 |
| Loan loss allowance to noncurrent loans | 44.1011% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.5705% | 2,054 |
| Noncurrent loans to loans | 2.4194% | 2,379 |
| Net loans and leases to total assets | 39.4395% | 6,325 |
| Net loans and leases to deposits | 45.9596% | 6,388 |
| Net loans and leases to core deposits | 47.2585% | 6,460 |
| Total domestic deposits to total assets | 85.8135% | 3,355 |
| Equity capital to assets | 12.8330% | 1,685 |
| Core capital (leverage) ratio | 7.9122% | 6,391 |
| Tier 1 risk-based capital ratio | 14.4011% | 4,258 |
| Total risk-based capital ratio | 15.2234% | 4,496 |
| Memoranda: | ||
| Average total assets | $181,745,250 | 3,316 |
| Average earning assets | $150,515,500 | 3,576 |
| Average equity | $22,851,750 | 2,893 |
| Average total loans | $77,785,500 | 4,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 3,526 |
| Cost of funding earning assets | 0.1560% | 7,106 |
| Net interest margin | 4.4050% | 1,190 |
| Noninterest income to average assets | 0.6150% | 3,169 |
| Noninterest expense to average assets | 2.6636% | 4,561 |
| Loan and lease loss provision to assets | 0.5807% | 1,042 |
| Net operating income to assets | 0.6582% | 4,073 |
| Return on assets (ROA) | 0.6582% | 4,329 |
| Pretax return on assets | 1.0254% | 3,612 |
| Return on Equity (ROE) | 5.2715% | 4,678 |
| Retained earnings to average equity (ytd only) | 5.2715% | 3,115 |
| Net charge-offs to loans | 0.1793% | 3,522 |
| Credit loss provision to net charge-offs | 739.4366% | 430 |
| Earnings coverage of net charge-offs (x) | 20.4507% | 1,387 |
| Efficiency ratio | 58.1347% | 5,851 |
| Assets per employee ($millions) | 4.5828% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,401 |
| Loan loss allowance to noncurrent loans | 59.2440% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 2,858 |
| Noncurrent loans to loans | 1.5594% | 3,572 |
| Net loans and leases to total assets | 42.1795% | 6,176 |
| Net loans and leases to deposits | 48.9975% | 6,242 |
| Net loans and leases to core deposits | 50.2548% | 6,329 |
| Total domestic deposits to total assets | 86.0849% | 3,313 |
| Equity capital to assets | 12.6866% | 1,694 |
| Core capital (leverage) ratio | 7.8631% | 6,401 |
| Tier 1 risk-based capital ratio | 13.5271% | 4,801 |
| Total risk-based capital ratio | 14.2558% | 5,157 |
| Memoranda: | ||
| Average total assets | $180,808,330 | 3,342 |
| Average earning assets | $150,012,670 | 3,604 |
| Average equity | $22,574,330 | 2,908 |
| Average total loans | $79,189,670 | 4,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 3,207 |
| Cost of funding earning assets | 0.1580% | 7,172 |
| Net interest margin | 4.5039% | 1,007 |
| Noninterest income to average assets | 0.6148% | 3,137 |
| Noninterest expense to average assets | 2.4906% | 5,177 |
| Loan and lease loss provision to assets | 0.2339% | 2,601 |
| Net operating income to assets | 1.0448% | 2,308 |
| Return on assets (ROA) | 1.0448% | 2,500 |
| Pretax return on assets | 1.6374% | 1,462 |
| Return on Equity (ROE) | 8.4377% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.4377% | 1,804 |
| Net charge-offs to loans | 0.0251% | 4,339 |
| Credit loss provision to net charge-offs | 2,100.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 215 |
| Efficiency ratio | 52.9111% | 6,447 |
| Assets per employee ($millions) | 4.4710% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 7,096 |
| Loan loss allowance to noncurrent loans | 14.8298% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 2.2182% | 2,677 |
| Noncurrent loans to loans | 3.1138% | 2,056 |
| Net loans and leases to total assets | 44.1145% | 5,998 |
| Net loans and leases to deposits | 51.3369% | 6,041 |
| Net loans and leases to core deposits | 52.2885% | 6,183 |
| Total domestic deposits to total assets | 85.9315% | 3,567 |
| Equity capital to assets | 12.8417% | 1,519 |
| Core capital (leverage) ratio | 7.8442% | 6,380 |
| Tier 1 risk-based capital ratio | 13.4455% | 4,863 |
| Total risk-based capital ratio | 13.8190% | 5,512 |
| Memoranda: | ||
| Average total assets | $179,556,500 | 3,387 |
| Average earning assets | $149,383,000 | 3,630 |
| Average equity | $22,233,500 | 2,954 |
| Average total loans | $79,764,000 | 4,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8346% | 7,299 |
| Cost of funding earning assets | 0.0507% | 7,327 |
| Net interest margin | 1.7840% | 7,261 |
| Noninterest income to average assets | 0.2408% | 5,819 |
| Noninterest expense to average assets | 0.9939% | 7,294 |
| Loan and lease loss provision to assets | 0.1799% | 4,397 |
| Net operating income to assets | 0.3854% | 4,927 |
| Return on assets (ROA) | 0.3854% | 5,093 |
| Pretax return on assets | 0.6108% | 4,662 |
| Return on Equity (ROE) | 3.9485% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.9485% | 3,387 |
| Net charge-offs to loans | 0.0543% | 5,776 |
| Credit loss provision to net charge-offs | 644.8980% | 348 |
| Earnings coverage of net charge-offs (x) | 28.3469% | 878 |
| Efficiency ratio | 51.9617% | 6,701 |
| Assets per employee ($millions) | 4.5069% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3326% | 7,204 |
| Loan loss allowance to noncurrent loans | 16.2113% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 3,332 |
| Noncurrent loans to loans | 2.0519% | 3,140 |
| Net loans and leases to total assets | 44.3774% | 6,174 |
| Net loans and leases to deposits | 51.2459% | 6,274 |
| Net loans and leases to core deposits | 52.4136% | 6,405 |
| Total domestic deposits to total assets | 86.5971% | 2,978 |
| Equity capital to assets | 11.9268% | 2,184 |
| Core capital (leverage) ratio | 6.8794% | 6,905 |
| Tier 1 risk-based capital ratio | 11.5880% | 6,106 |
| Total risk-based capital ratio | 11.8541% | 6,618 |
| Memoranda: | ||
| Average total assets | $175,671,600 | 3,400 |
| Average earning assets | $152,019,400 | 3,548 |
| Average equity | $17,145,800 | 3,554 |
| Average total loans | $90,303,800 | 3,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6231% | 7,418 |
| Cost of funding earning assets | 0.0157% | 7,414 |
| Net interest margin | 0.6073% | 7,410 |
| Noninterest income to average assets | 0.0688% | 6,881 |
| Noninterest expense to average assets | 0.3308% | 7,420 |
| Loan and lease loss provision to assets | 0.0153% | 6,241 |
| Net operating income to assets | 0.1421% | 5,854 |
| Return on assets (ROA) | 0.1421% | 5,981 |
| Pretax return on assets | 0.2536% | 5,802 |
| Return on Equity (ROE) | 1.5444% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.5444% | 5,364 |
| Net charge-offs to loans | 0.0043% | 6,134 |
| Credit loss provision to net charge-offs | 666.6667% | 408 |
| Earnings coverage of net charge-offs (x) | 117.3300% | 306 |
| Efficiency ratio | 51.4650% | 6,728 |
| Assets per employee ($millions) | 4.3159% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0207% | 7,369 |
| Loan loss allowance to noncurrent loans | 0.6360% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 1,876 |
| Noncurrent loans to loans | 3.2603% | 2,126 |
| Net loans and leases to total assets | 46.3236% | 6,115 |
| Net loans and leases to deposits | 53.2788% | 6,270 |
| Net loans and leases to core deposits | 54.9220% | 6,396 |
| Total domestic deposits to total assets | 86.9455% | 2,689 |
| Equity capital to assets | 11.5800% | 2,614 |
| Core capital (leverage) ratio | 7.1267% | 6,919 |
| Tier 1 risk-based capital ratio | 11.4601% | 6,263 |
| Total risk-based capital ratio | 11.4769% | 6,872 |
| Memoranda: | ||
| Average total assets | $174,521,000 | 3,438 |
| Average earning assets | $152,572,250 | 3,559 |
| Average equity | $16,057,000 | 3,727 |
| Average total loans | $92,812,750 | 3,825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 6,723 |
| Cost of funding earning assets | 0.2322% | 7,381 |
| Net interest margin | 3.7267% | 4,142 |
| Noninterest income to average assets | 0.5918% | 3,187 |
| Noninterest expense to average assets | 3.1581% | 3,056 |
| Loan and lease loss provision to assets | 0.4030% | 2,416 |
| Net operating income to assets | 0.3569% | 5,146 |
| Return on assets (ROA) | 0.3569% | 5,283 |
| Pretax return on assets | 0.3569% | 5,527 |
| Return on Equity (ROE) | 4.2527% | 4,810 |
| Retained earnings to average equity (ytd only) | 0.6310% | 5,606 |
| Net charge-offs to loans | 0.0436% | 5,249 |
| Credit loss provision to net charge-offs | 1,666.6667% | 205 |
| Earnings coverage of net charge-offs (x) | 31.4286% | 886 |
| Efficiency ratio | 80.6053% | 2,301 |
| Assets per employee ($millions) | 4.0612% | 3,624 |
| Cash dividends to net income (ytd only)* | 85.1613% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 1,665 |
| Loan loss allowance to noncurrent loans | 79.3338% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.3809% | 2,771 |
| Noncurrent loans to loans | 2.9600% | 2,452 |
| Net loans and leases to total assets | 54.0016% | 5,297 |
| Net loans and leases to deposits | 59.4711% | 5,780 |
| Net loans and leases to core deposits | 61.7033% | 5,921 |
| Total domestic deposits to total assets | 90.8031% | 588 |
| Equity capital to assets | 8.5877% | 6,072 |
| Core capital (leverage) ratio | 8.2881% | 5,888 |
| Tier 1 risk-based capital ratio | 13.5414% | 4,492 |
| Total risk-based capital ratio | 14.8021% | 4,472 |
| Memoranda: | ||
| Average total assets | $173,711,000 | 3,473 |
| Average earning assets | $155,041,330 | 3,544 |
| Average equity | $14,579,000 | 3,989 |
| Average total loans | $96,421,330 | 3,787 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 6,786 |
| Cost of funding earning assets | 0.2402% | 7,451 |
| Net interest margin | 3.6897% | 4,161 |
| Noninterest income to average assets | 0.5659% | 3,398 |
| Noninterest expense to average assets | 3.1675% | 3,000 |
| Loan and lease loss provision to assets | 0.3537% | 2,429 |
| Net operating income to assets | 0.3400% | 5,226 |
| Return on assets (ROA) | 0.3400% | 5,303 |
| Pretax return on assets | 0.3400% | 5,535 |
| Return on Equity (ROE) | 4.0978% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.0978% | 3,704 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0331% | 2,222 |
| Assets per employee ($millions) | 3.9649% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 2,147 |
| Loan loss allowance to noncurrent loans | 119.2757% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7357% | 3,656 |
| Noncurrent loans to loans | 1.7751% | 3,857 |
| Net loans and leases to total assets | 54.1146% | 5,286 |
| Net loans and leases to deposits | 59.4640% | 5,771 |
| Net loans and leases to core deposits | 61.6873% | 5,953 |
| Total domestic deposits to total assets | 91.0039% | 626 |
| Equity capital to assets | 8.3890% | 6,066 |
| Core capital (leverage) ratio | 8.3077% | 5,796 |
| Tier 1 risk-based capital ratio | 13.1458% | 4,713 |
| Total risk-based capital ratio | 14.4037% | 4,685 |
| Memoranda: | ||
| Average total assets | $175,282,000 | 3,462 |
| Average earning assets | $156,546,000 | 3,537 |
| Average equity | $14,544,500 | 3,984 |
| Average total loans | $97,469,500 | 3,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 6,557 |
| Cost of funding earning assets | 0.3697% | 7,454 |
| Net interest margin | 4.0619% | 2,736 |
| Noninterest income to average assets | 0.5664% | 3,701 |
| Noninterest expense to average assets | 3.0561% | 3,640 |
| Loan and lease loss provision to assets | 0.3166% | 4,274 |
| Net operating income to assets | 0.7945% | 2,830 |
| Return on assets (ROA) | 0.7945% | 2,966 |
| Pretax return on assets | 0.7945% | 3,658 |
| Return on Equity (ROE) | 9.5287% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.3867% | 2,189 |
| Net charge-offs to loans | 0.5466% | 3,423 |
| Credit loss provision to net charge-offs | 98.7203% | 4,685 |
| Earnings coverage of net charge-offs (x) | 3.4644% | 3,345 |
| Efficiency ratio | 73.3361% | 3,521 |
| Assets per employee ($millions) | 4.1931% | 3,398 |
| Cash dividends to net income (ytd only)* | 43.4686% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 2,516 |
| Loan loss allowance to noncurrent loans | 109.2014% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 3,708 |
| Noncurrent loans to loans | 1.7545% | 3,876 |
| Net loans and leases to total assets | 54.8549% | 5,517 |
| Net loans and leases to deposits | 60.1477% | 6,042 |
| Net loans and leases to core deposits | 62.0831% | 6,229 |
| Total domestic deposits to total assets | 91.2004% | 506 |
| Equity capital to assets | 8.2074% | 6,253 |
| Core capital (leverage) ratio | 8.0988% | 6,020 |
| Tier 1 risk-based capital ratio | 12.7235% | 4,842 |
| Total risk-based capital ratio | 13.9787% | 4,813 |
| Memoranda: | ||
| Average total assets | $170,542,800 | 3,524 |
| Average earning assets | $151,184,400 | 3,618 |
| Average equity | $14,220,200 | 4,100 |
| Average total loans | $100,079,800 | 3,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 6,636 |
| Cost of funding earning assets | 0.3972% | 7,572 |
| Net interest margin | 4.0910% | 2,667 |
| Noninterest income to average assets | 0.5257% | 3,979 |
| Noninterest expense to average assets | 3.0970% | 3,354 |
| Loan and lease loss provision to assets | 0.2956% | 4,212 |
| Net operating income to assets | 0.7543% | 3,200 |
| Return on assets (ROA) | 0.7543% | 3,357 |
| Pretax return on assets | 0.7543% | 4,067 |
| Return on Equity (ROE) | 9.0100% | 2,484 |
| Retained earnings to average equity (ytd only) | 4.5568% | 3,300 |
| Net charge-offs to loans | 0.2880% | 4,219 |
| Credit loss provision to net charge-offs | 172.8111% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.1382% | 2,595 |
| Efficiency ratio | 74.6816% | 3,202 |
| Assets per employee ($millions) | 4.4346% | 3,021 |
| Cash dividends to net income (ytd only)* | 49.4251% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 2,052 |
| Loan loss allowance to noncurrent loans | 105.3416% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8480% | 3,682 |
| Noncurrent loans to loans | 1.9724% | 3,718 |
| Net loans and leases to total assets | 54.4936% | 5,777 |
| Net loans and leases to deposits | 59.7009% | 6,335 |
| Net loans and leases to core deposits | 63.1892% | 6,355 |
| Total domestic deposits to total assets | 91.2777% | 361 |
| Equity capital to assets | 8.1259% | 6,693 |
| Core capital (leverage) ratio | 8.1533% | 6,113 |
| Tier 1 risk-based capital ratio | 12.2998% | 5,183 |
| Total risk-based capital ratio | 13.5569% | 5,149 |
| Memoranda: | ||
| Average total assets | $169,151,000 | 3,600 |
| Average earning assets | $149,722,250 | 3,687 |
| Average equity | $14,161,750 | 4,172 |
| Average total loans | $100,476,750 | 3,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 6,520 |
| Cost of funding earning assets | 0.4192% | 7,643 |
| Net interest margin | 4.1608% | 2,287 |
| Noninterest income to average assets | 0.4711% | 4,348 |
| Noninterest expense to average assets | 3.2162% | 2,847 |
| Loan and lease loss provision to assets | 0.2704% | 4,231 |
| Net operating income to assets | 0.6586% | 3,589 |
| Return on assets (ROA) | 0.6586% | 3,746 |
| Pretax return on assets | 0.6586% | 4,374 |
| Return on Equity (ROE) | 7.7854% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.9779% | 3,548 |
| Net charge-offs to loans | 0.2157% | 4,310 |
| Credit loss provision to net charge-offs | 206.4220% | 1,884 |
| Earnings coverage of net charge-offs (x) | 7.0917% | 2,363 |
| Efficiency ratio | 77.5877% | 2,796 |
| Assets per employee ($millions) | 4.1542% | 3,475 |
| Cash dividends to net income (ytd only)* | 48.9051% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,216 |
| Loan loss allowance to noncurrent loans | 167.8363% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 4,670 |
| Noncurrent loans to loans | 1.1848% | 4,980 |
| Net loans and leases to total assets | 59.5892% | 5,141 |
| Net loans and leases to deposits | 65.5829% | 5,865 |
| Net loans and leases to core deposits | 70.4457% | 5,832 |
| Total domestic deposits to total assets | 90.8609% | 545 |
| Equity capital to assets | 8.5264% | 6,133 |
| Core capital (leverage) ratio | 8.4097% | 5,560 |
| Tier 1 risk-based capital ratio | 12.2502% | 5,075 |
| Total risk-based capital ratio | 13.5066% | 5,047 |
| Memoranda: | ||
| Average total assets | $166,406,670 | 3,667 |
| Average earning assets | $146,943,330 | 3,766 |
| Average equity | $14,077,670 | 4,186 |
| Average total loans | $101,064,330 | 3,858 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 6,543 |
| Cost of funding earning assets | 0.4558% | 7,728 |
| Net interest margin | 4.1515% | 2,226 |
| Noninterest income to average assets | 0.5741% | 3,466 |
| Noninterest expense to average assets | 3.3724% | 2,309 |
| Loan and lease loss provision to assets | 0.2402% | 4,121 |
| Net operating income to assets | 0.6149% | 3,835 |
| Return on assets (ROA) | 0.6149% | 3,977 |
| Pretax return on assets | 0.6149% | 4,548 |
| Return on Equity (ROE) | 7.2973% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.2118% | 2,042 |
| Net charge-offs to loans | 0.3522% | 2,997 |
| Credit loss provision to net charge-offs | 112.3596% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
| Efficiency ratio | 79.7727% | 2,601 |
| Assets per employee ($millions) | 4.1095% | 3,631 |
| Cash dividends to net income (ytd only)* | 1.1719% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 2,502 |
| Loan loss allowance to noncurrent loans | 155.4739% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4138% | 4,390 |
| Noncurrent loans to loans | 1.2103% | 4,943 |
| Net loans and leases to total assets | 60.3638% | 5,060 |
| Net loans and leases to deposits | 66.4933% | 5,768 |
| Net loans and leases to core deposits | 71.0157% | 5,831 |
| Total domestic deposits to total assets | 90.7817% | 618 |
| Equity capital to assets | 8.5959% | 5,876 |
| Core capital (leverage) ratio | 8.2934% | 5,754 |
| Tier 1 risk-based capital ratio | 12.1505% | 5,036 |
| Total risk-based capital ratio | 13.3894% | 5,015 |
| Memoranda: | ||
| Average total assets | $166,527,000 | 3,722 |
| Average earning assets | $146,549,000 | 3,826 |
| Average equity | $14,032,500 | 4,235 |
| Average total loans | $101,083,500 | 3,923 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 6,170 |
| Cost of funding earning assets | 0.7930% | 7,567 |
| Net interest margin | 4.2842% | 1,767 |
| Noninterest income to average assets | 1.0675% | 1,347 |
| Noninterest expense to average assets | 3.3300% | 2,909 |
| Loan and lease loss provision to assets | 0.4357% | 4,214 |
| Net operating income to assets | 1.0657% | 1,606 |
| Return on assets (ROA) | 1.0657% | 1,651 |
| Pretax return on assets | 1.0657% | 2,357 |
| Return on Equity (ROE) | 12.8273% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.1945% | 1,276 |
| Net charge-offs to loans | 0.4383% | 4,045 |
| Credit loss provision to net charge-offs | 151.1579% | 3,051 |
| Earnings coverage of net charge-offs (x) | 5.2084% | 2,660 |
| Efficiency ratio | 68.9235% | 4,842 |
| Assets per employee ($millions) | 4.1140% | 3,588 |
| Cash dividends to net income (ytd only)* | 51.7084% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 2,334 |
| Loan loss allowance to noncurrent loans | 143.9544% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.7169% | 3,793 |
| Noncurrent loans to loans | 1.3015% | 4,750 |
| Net loans and leases to total assets | 58.7791% | 5,522 |
| Net loans and leases to deposits | 64.4997% | 6,214 |
| Net loans and leases to core deposits | 74.7052% | 6,491 |
| Total domestic deposits to total assets | 91.1308% | 485 |
| Equity capital to assets | 8.2615% | 6,261 |
| Core capital (leverage) ratio | 7.8656% | 6,365 |
| Tier 1 risk-based capital ratio | 11.8394% | 5,081 |
| Total risk-based capital ratio | 13.0946% | 5,042 |
| Memoranda: | ||
| Average total assets | $164,774,200 | 3,689 |
| Average earning assets | $144,762,800 | 3,796 |
| Average equity | $13,689,600 | 4,342 |
| Average total loans | $108,364,000 | 3,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 5,932 |
| Cost of funding earning assets | 0.8460% | 7,629 |
| Net interest margin | 4.3403% | 1,615 |
| Noninterest income to average assets | 1.2031% | 1,063 |
| Noninterest expense to average assets | 3.3902% | 2,610 |
| Loan and lease loss provision to assets | 0.3809% | 4,043 |
| Net operating income to assets | 1.2446% | 1,358 |
| Return on assets (ROA) | 1.2446% | 1,426 |
| Pretax return on assets | 1.2446% | 2,126 |
| Return on Equity (ROE) | 14.9588% | 777 |
| Retained earnings to average equity (ytd only) | 6.0755% | 1,912 |
| Net charge-offs to loans | 0.0774% | 5,905 |
| Credit loss provision to net charge-offs | 731.2500% | 515 |
| Earnings coverage of net charge-offs (x) | 31.2036% | 911 |
| Efficiency ratio | 67.5917% | 5,061 |
| Assets per employee ($millions) | 4.1844% | 3,406 |
| Cash dividends to net income (ytd only)* | 59.3853% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,945 |
| Loan loss allowance to noncurrent loans | 131.2460% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 3,134 |
| Noncurrent loans to loans | 1.4735% | 4,471 |
| Net loans and leases to total assets | 60.7121% | 5,468 |
| Net loans and leases to deposits | 66.4958% | 6,263 |
| Net loans and leases to core deposits | 80.4165% | 6,317 |
| Total domestic deposits to total assets | 91.3021% | 300 |
| Equity capital to assets | 7.9967% | 6,848 |
| Core capital (leverage) ratio | 7.8340% | 6,576 |
| Tier 1 risk-based capital ratio | 11.2344% | 5,707 |
| Total risk-based capital ratio | 12.4898% | 5,649 |
| Memoranda: | ||
| Average total assets | $163,799,250 | 3,731 |
| Average earning assets | $143,887,250 | 3,840 |
| Average equity | $13,628,250 | 4,383 |
| Average total loans | $110,195,500 | 3,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 5,491 |
| Cost of funding earning assets | 0.8962% | 7,703 |
| Net interest margin | 4.4358% | 1,319 |
| Noninterest income to average assets | 1.4924% | 666 |
| Noninterest expense to average assets | 3.3496% | 2,796 |
| Loan and lease loss provision to assets | 0.3325% | 3,943 |
| Net operating income to assets | 1.7033% | 562 |
| Return on assets (ROA) | 1.7033% | 610 |
| Pretax return on assets | 1.7033% | 1,006 |
| Return on Equity (ROE) | 20.1941% | 330 |
| Retained earnings to average equity (ytd only) | 13.1637% | 311 |
| Net charge-offs to loans | 0.0646% | 5,598 |
| Credit loss provision to net charge-offs | 744.4444% | 639 |
| Earnings coverage of net charge-offs (x) | 45.5833% | 735 |
| Efficiency ratio | 62.1977% | 6,222 |
| Assets per employee ($millions) | 3.8401% | 3,999 |
| Cash dividends to net income (ytd only)* | 34.8143% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 2,314 |
| Loan loss allowance to noncurrent loans | 6,970.3704% | 75 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 4,071 |
| Noncurrent loans to loans | 0.0245% | 7,479 |
| Net loans and leases to total assets | 65.5776% | 4,652 |
| Net loans and leases to deposits | 72.2700% | 5,700 |
| Net loans and leases to core deposits | 89.3205% | 5,593 |
| Total domestic deposits to total assets | 90.7397% | 540 |
| Equity capital to assets | 8.5045% | 6,042 |
| Core capital (leverage) ratio | 8.3493% | 5,715 |
| Tier 1 risk-based capital ratio | 11.2681% | 5,620 |
| Total risk-based capital ratio | 12.5218% | 5,526 |
| Memoranda: | ||
| Average total assets | $161,212,670 | 3,801 |
| Average earning assets | $141,486,000 | 3,914 |
| Average equity | $13,598,000 | 4,397 |
| Average total loans | $111,523,670 | 3,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 5,153 |
| Cost of funding earning assets | 0.9259% | 7,781 |
| Net interest margin | 4.5289% | 1,073 |
| Noninterest income to average assets | 0.5601% | 3,836 |
| Noninterest expense to average assets | 3.3506% | 2,495 |
| Loan and lease loss provision to assets | 0.3768% | 3,061 |
| Net operating income to assets | 0.7887% | 3,174 |
| Return on assets (ROA) | 0.7887% | 3,339 |
| Pretax return on assets | 0.7887% | 4,117 |
| Return on Equity (ROE) | 9.3903% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.3903% | 1,372 |
| Net charge-offs to loans | -0.2389% | 8,035 |
| Credit loss provision to net charge-offs | -223.8806% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 3,791 |
| Assets per employee ($millions) | 3.8494% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 2,251 |
| Loan loss allowance to noncurrent loans | 150.3626% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 2,967 |
| Noncurrent loans to loans | 1.1094% | 4,764 |
| Net loans and leases to total assets | 66.4544% | 4,477 |
| Net loans and leases to deposits | 72.8657% | 5,633 |
| Net loans and leases to core deposits | 88.9879% | 5,647 |
| Total domestic deposits to total assets | 91.2013% | 351 |
| Equity capital to assets | 8.1360% | 6,616 |
| Core capital (leverage) ratio | 8.3548% | 5,802 |
| Tier 1 risk-based capital ratio | 10.5158% | 6,380 |
| Total risk-based capital ratio | 11.7689% | 6,289 |
| Memoranda: | ||
| Average total assets | $159,256,500 | 3,849 |
| Average earning assets | $139,107,000 | 3,973 |
| Average equity | $13,375,500 | 4,486 |
| Average total loans | $112,202,000 | 3,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3220% | 3,847 |
| Cost of funding earning assets | 1.0769% | 8,019 |
| Net interest margin | 5.2451% | 311 |
| Noninterest income to average assets | 0.5942% | 3,878 |
| Noninterest expense to average assets | 4.2005% | 1,146 |
| Loan and lease loss provision to assets | 0.6925% | 2,112 |
| Net operating income to assets | 0.3476% | 5,363 |
| Return on assets (ROA) | 0.3476% | 5,177 |
| Pretax return on assets | 0.3476% | 5,402 |
| Return on Equity (ROE) | 3.9456% | 4,845 |
| Retained earnings to average equity (ytd only) | -4.1954% | 6,362 |
| Net charge-offs to loans | 0.4547% | 2,559 |
| Credit loss provision to net charge-offs | 221.9917% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.3340% | 4,417 |
| Efficiency ratio | 80.1531% | 2,574 |
| Assets per employee ($millions) | 3.5579% | 4,530 |
| Cash dividends to net income (ytd only)* | 206.3315% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,857 |
| Loan loss allowance to noncurrent loans | 411.2219% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5047% | 3,210 |
| Noncurrent loans to loans | 0.3563% | 6,302 |
| Net loans and leases to total assets | 72.4830% | 3,487 |
| Net loans and leases to deposits | 79.9451% | 5,054 |
| Net loans and leases to core deposits | 96.4731% | 5,213 |
| Total domestic deposits to total assets | 90.6660% | 439 |
| Equity capital to assets | 8.6830% | 5,833 |
| Core capital (leverage) ratio | 8.3934% | 5,781 |
| Tier 1 risk-based capital ratio | 10.3340% | 6,382 |
| Total risk-based capital ratio | 11.5855% | 6,256 |
| Memoranda: | ||
| Average total assets | $154,504,600 | 3,810 |
| Average earning assets | $136,870,200 | 3,915 |
| Average equity | $13,610,200 | 4,421 |
| Average total loans | $105,994,200 | 3,794 |