Home > Security First Bank > Performance and Condition Ratios
Security First Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,494 |
| Cost of funding earning assets | 0.2928% | 4,181 |
| Net interest margin | 4.2196% | 1,080 |
| Noninterest income to average assets | 0.4977% | 3,264 |
| Noninterest expense to average assets | 3.7434% | 798 |
| Loan and lease loss provision to assets | 0.0479% | 3,291 |
| Net operating income to assets | 0.4289% | 4,935 |
| Return on assets (ROA) | 0.4666% | 4,892 |
| Pretax return on assets | 0.6185% | 4,831 |
| Return on Equity (ROE) | 3.4567% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.4567% | 3,824 |
| Net charge-offs to loans | -0.2032% | 5,768 |
| Credit loss provision to net charge-offs | -32.5203% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8672% | 830 |
| Assets per employee ($millions) | 6.4982% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 607 |
| Loan loss allowance to noncurrent loans | 51.5925% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.3933% | 301 |
| Noncurrent loans to loans | 4.0698% | 266 |
| Net loans and leases to total assets | 76.9984% | 1,364 |
| Net loans and leases to deposits | 93.3587% | 1,335 |
| Net loans and leases to core deposits | 94.1824% | 2,178 |
| Total domestic deposits to total assets | 82.4759% | 3,790 |
| Equity capital to assets | 14.7137% | 811 |
| Core capital (leverage) ratio | 13.5586% | 978 |
| Tier 1 risk-based capital ratio | 14.5692% | 3,252 |
| Total risk-based capital ratio | 15.8326% | 3,182 |
| Memoranda: | ||
| Average total assets | $111,448,250 | 4,164 |
| Average earning assets | $101,997,000 | 4,190 |
| Average equity | $15,042,750 | 3,828 |
| Average total loans | $80,714,250 | 3,804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 1,467 |
| Cost of funding earning assets | 0.2991% | 4,142 |
| Net interest margin | 4.2194% | 1,077 |
| Noninterest income to average assets | 0.6196% | 2,506 |
| Noninterest expense to average assets | 3.8020% | 765 |
| Loan and lease loss provision to assets | 0.0702% | 2,730 |
| Net operating income to assets | 0.5361% | 4,538 |
| Return on assets (ROA) | 0.6056% | 4,372 |
| Pretax return on assets | 0.6898% | 4,653 |
| Return on Equity (ROE) | 4.6130% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.6130% | 2,973 |
| Net charge-offs to loans | -0.0324% | 5,161 |
| Credit loss provision to net charge-offs | -307.6923% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8081% | 981 |
| Assets per employee ($millions) | 6.1775% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 743 |
| Loan loss allowance to noncurrent loans | 47.7989% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 3.3918% | 326 |
| Noncurrent loans to loans | 4.1734% | 269 |
| Net loans and leases to total assets | 75.1776% | 1,618 |
| Net loans and leases to deposits | 93.5582% | 1,328 |
| Net loans and leases to core deposits | 94.3960% | 2,125 |
| Total domestic deposits to total assets | 80.3538% | 4,463 |
| Equity capital to assets | 14.5166% | 865 |
| Core capital (leverage) ratio | 12.9750% | 1,154 |
| Tier 1 risk-based capital ratio | 14.4939% | 3,324 |
| Total risk-based capital ratio | 15.7563% | 3,244 |
| Memoranda: | ||
| Average total assets | $113,940,670 | 4,159 |
| Average earning assets | $104,327,000 | 4,166 |
| Average equity | $14,957,670 | 3,861 |
| Average total loans | $80,361,330 | 3,835 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 1,989 |
| Cost of funding earning assets | 0.3065% | 4,093 |
| Net interest margin | 4.0358% | 1,517 |
| Noninterest income to average assets | 1.0338% | 1,013 |
| Noninterest expense to average assets | 4.3378% | 440 |
| Loan and lease loss provision to assets | 0.1013% | 2,005 |
| Net operating income to assets | 0.0789% | 5,708 |
| Return on assets (ROA) | 0.0811% | 5,752 |
| Pretax return on assets | 0.3345% | 5,443 |
| Return on Equity (ROE) | 0.6480% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.6480% | 4,954 |
| Net charge-offs to loans | -0.0349% | 5,130 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9348% | 612 |
| Assets per employee ($millions) | 6.6136% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 918 |
| Loan loss allowance to noncurrent loans | 46.8492% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.1984% | 378 |
| Noncurrent loans to loans | 4.1295% | 283 |
| Net loans and leases to total assets | 71.7287% | 2,083 |
| Net loans and leases to deposits | 87.4970% | 1,885 |
| Net loans and leases to core deposits | 88.3579% | 2,531 |
| Total domestic deposits to total assets | 81.9784% | 4,236 |
| Equity capital to assets | 13.2676% | 1,286 |
| Core capital (leverage) ratio | 11.6703% | 1,850 |
| Tier 1 risk-based capital ratio | 13.8082% | 3,808 |
| Total risk-based capital ratio | 15.0696% | 3,739 |
| Memoranda: | ||
| Average total assets | $118,402,000 | 4,108 |
| Average earning assets | $109,618,000 | 4,097 |
| Average equity | $14,814,000 | 3,891 |
| Average total loans | $80,263,500 | 3,850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,390 |
| Cost of funding earning assets | 0.4131% | 3,017 |
| Net interest margin | 4.1655% | 1,248 |
| Noninterest income to average assets | 0.3217% | 4,598 |
| Noninterest expense to average assets | 3.4301% | 1,431 |
| Loan and lease loss provision to assets | 0.3039% | 565 |
| Net operating income to assets | 0.1208% | 5,726 |
| Return on assets (ROA) | 0.1323% | 5,762 |
| Pretax return on assets | 0.3271% | 5,465 |
| Return on Equity (ROE) | 1.0183% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.0183% | 5,109 |
| Net charge-offs to loans | 0.1259% | 2,118 |
| Credit loss provision to net charge-offs | 373.6264% | 801 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 3,068 |
| Efficiency ratio | 84.8364% | 1,109 |
| Assets per employee ($millions) | 6.5459% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,962 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 61.6988% | 3,604 |
| Net loans and leases to deposits | 73.8073% | 3,517 |
| Net loans and leases to core deposits | 77.0566% | 3,663 |
| Total domestic deposits to total assets | 83.5944% | 3,639 |
| Equity capital to assets | 11.8282% | 2,091 |
| Core capital (leverage) ratio | 12.5103% | 1,347 |
| Tier 1 risk-based capital ratio | 13.8876% | 3,777 |
| Total risk-based capital ratio | 15.1522% | 3,700 |
| Memoranda: | ||
| Average total assets | $111,890,400 | 4,226 |
| Average earning assets | $99,964,400 | 4,291 |
| Average equity | $14,534,400 | 3,901 |
| Average total loans | $72,259,200 | 4,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 1,060 |
| Cost of funding earning assets | 0.4478% | 2,711 |
| Net interest margin | 4.2725% | 1,014 |
| Noninterest income to average assets | 0.2648% | 5,043 |
| Noninterest expense to average assets | 3.7203% | 950 |
| Loan and lease loss provision to assets | 0.3800% | 330 |
| Net operating income to assets | -0.1091% | 6,007 |
| Return on assets (ROA) | -0.0846% | 6,015 |
| Pretax return on assets | -0.0331% | 5,985 |
| Return on Equity (ROE) | -0.6349% | 6,004 |
| Retained earnings to average equity (ytd only) | -0.6349% | 5,705 |
| Net charge-offs to loans | 0.1828% | 1,390 |
| Credit loss provision to net charge-offs | 319.5876% | 914 |
| Earnings coverage of net charge-offs (x) | 2.7114% | 3,614 |
| Efficiency ratio | 92.0255% | 571 |
| Assets per employee ($millions) | 5.6885% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 5,015 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 65.9459% | 3,022 |
| Net loans and leases to deposits | 81.2797% | 2,727 |
| Net loans and leases to core deposits | 86.3249% | 2,818 |
| Total domestic deposits to total assets | 81.1345% | 4,440 |
| Equity capital to assets | 13.4445% | 1,254 |
| Core capital (leverage) ratio | 12.4865% | 1,423 |
| Tier 1 risk-based capital ratio | 15.0307% | 3,274 |
| Total risk-based capital ratio | 16.2978% | 3,206 |
| Memoranda: | ||
| Average total assets | $108,770,000 | 4,327 |
| Average earning assets | $96,178,000 | 4,434 |
| Average equity | $14,490,250 | 3,948 |
| Average total loans | $70,751,500 | 4,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,138 |
| Cost of funding earning assets | 0.4985% | 2,264 |
| Net interest margin | 4.1674% | 1,180 |
| Noninterest income to average assets | 0.2055% | 5,453 |
| Noninterest expense to average assets | 3.8330% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0730% | 6,038 |
| Return on assets (ROA) | -0.0624% | 6,064 |
| Pretax return on assets | 0.0550% | 5,973 |
| Return on Equity (ROE) | -0.4697% | 6,058 |
| Retained earnings to average equity (ytd only) | -0.4697% | 5,599 |
| Net charge-offs to loans | 0.2968% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2019% | 3,691 |
| Efficiency ratio | 99.0047% | 348 |
| Assets per employee ($millions) | 5.6592% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 1,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 2,689 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 65.2626% | 3,087 |
| Net loans and leases to deposits | 78.1611% | 3,006 |
| Net loans and leases to core deposits | 86.4444% | 2,720 |
| Total domestic deposits to total assets | 83.4976% | 3,759 |
| Equity capital to assets | 13.4082% | 1,213 |
| Core capital (leverage) ratio | 12.1340% | 1,576 |
| Tier 1 risk-based capital ratio | 15.3615% | 3,177 |
| Total risk-based capital ratio | 16.6247% | 3,108 |
| Memoranda: | ||
| Average total assets | $108,999,670 | 4,356 |
| Average earning assets | $95,887,670 | 4,474 |
| Average equity | $14,476,670 | 3,968 |
| Average total loans | $70,071,000 | 4,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 1,068 |
| Cost of funding earning assets | 0.5080% | 2,220 |
| Net interest margin | 4.1732% | 1,121 |
| Noninterest income to average assets | 0.2114% | 5,440 |
| Noninterest expense to average assets | 3.8929% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1895% | 6,140 |
| Return on assets (ROA) | -0.1567% | 6,148 |
| Pretax return on assets | -0.0255% | 6,067 |
| Return on Equity (ROE) | -1.1857% | 6,135 |
| Retained earnings to average equity (ytd only) | -1.1857% | 5,578 |
| Net charge-offs to loans | 0.6223% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.1481% | 3,124 |
| Efficiency ratio | 101.5209% | 332 |
| Assets per employee ($millions) | 6.0669% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,800 |
| Loan loss allowance to noncurrent loans | 598.0000% | 851 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 1,532 |
| Noncurrent loans to loans | 0.2803% | 4,777 |
| Net loans and leases to total assets | 60.8569% | 3,545 |
| Net loans and leases to deposits | 73.9584% | 3,320 |
| Net loans and leases to core deposits | 85.6764% | 2,585 |
| Total domestic deposits to total assets | 82.2854% | 4,421 |
| Equity capital to assets | 12.6917% | 1,573 |
| Core capital (leverage) ratio | 11.8494% | 1,741 |
| Tier 1 risk-based capital ratio | 15.3596% | 3,221 |
| Total risk-based capital ratio | 16.6112% | 3,153 |
| Memoranda: | ||
| Average total assets | $109,737,500 | 4,372 |
| Average earning assets | $95,275,000 | 4,525 |
| Average equity | $14,506,500 | 3,994 |
| Average total loans | $69,419,500 | 4,193 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 965 |
| Cost of funding earning assets | 0.4900% | 2,771 |
| Net interest margin | 4.3847% | 904 |
| Noninterest income to average assets | 0.2694% | 5,193 |
| Noninterest expense to average assets | 4.4861% | 468 |
| Loan and lease loss provision to assets | -0.4828% | 6,443 |
| Net operating income to assets | 1.9273% | 376 |
| Return on assets (ROA) | 1.9534% | 367 |
| Pretax return on assets | 0.1110% | 5,981 |
| Return on Equity (ROE) | 16.3208% | 577 |
| Retained earnings to average equity (ytd only) | 16.3208% | 118 |
| Net charge-offs to loans | -0.9779% | 6,445 |
| Credit loss provision to net charge-offs | 83.6120% | 2,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7308% | 225 |
| Assets per employee ($millions) | 5.7891% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 1,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3905% | 978 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 63.5174% | 3,289 |
| Net loans and leases to deposits | 78.6947% | 2,882 |
| Net loans and leases to core deposits | 79.1682% | 3,391 |
| Total domestic deposits to total assets | 80.7136% | 4,820 |
| Equity capital to assets | 13.8029% | 1,032 |
| Core capital (leverage) ratio | 12.6326% | 1,294 |
| Tier 1 risk-based capital ratio | 15.6530% | 3,154 |
| Total risk-based capital ratio | 16.9074% | 3,079 |
| Memoranda: | ||
| Average total assets | $103,563,400 | 4,513 |
| Average earning assets | $90,200,200 | 4,649 |
| Average equity | $12,395,200 | 4,287 |
| Average total loans | $61,152,400 | 4,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 993 |
| Cost of funding earning assets | 0.4931% | 2,834 |
| Net interest margin | 4.3767% | 916 |
| Noninterest income to average assets | 0.2862% | 5,155 |
| Noninterest expense to average assets | 3.7509% | 1,035 |
| Loan and lease loss provision to assets | -0.6447% | 6,550 |
| Net operating income to assets | 0.9800% | 2,544 |
| Return on assets (ROA) | 1.0186% | 2,427 |
| Pretax return on assets | 1.0186% | 3,525 |
| Return on Equity (ROE) | 8.8526% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.8526% | 1,046 |
| Net charge-offs to loans | -1.3296% | 6,529 |
| Credit loss provision to net charge-offs | 84.1751% | 2,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7955% | 725 |
| Assets per employee ($millions) | 5.7839% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 1,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7903% | 880 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 61.2779% | 3,586 |
| Net loans and leases to deposits | 74.3001% | 3,399 |
| Net loans and leases to core deposits | 74.7379% | 3,877 |
| Total domestic deposits to total assets | 82.4735% | 4,307 |
| Equity capital to assets | 12.4732% | 1,716 |
| Core capital (leverage) ratio | 12.8529% | 1,250 |
| Tier 1 risk-based capital ratio | 17.2644% | 2,493 |
| Total risk-based capital ratio | 18.5201% | 2,453 |
| Memoranda: | ||
| Average total assets | $103,403,500 | 4,561 |
| Average earning assets | $89,776,250 | 4,707 |
| Average equity | $11,898,250 | 4,405 |
| Average total loans | $59,567,500 | 4,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,503 |
| Cost of funding earning assets | 0.5063% | 2,769 |
| Net interest margin | 4.1042% | 1,493 |
| Noninterest income to average assets | 0.2113% | 5,691 |
| Noninterest expense to average assets | 3.4643% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2985% | 5,572 |
| Return on assets (ROA) | 0.3218% | 5,566 |
| Pretax return on assets | 0.3218% | 5,743 |
| Return on Equity (ROE) | 2.8780% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.8780% | 4,371 |
| Net charge-offs to loans | -0.0381% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0659% | 763 |
| Assets per employee ($millions) | 6.0032% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 1,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0484% | 831 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.5489% | 4,191 |
| Net loans and leases to deposits | 67.4597% | 4,116 |
| Net loans and leases to core deposits | 68.2143% | 4,443 |
| Total domestic deposits to total assets | 83.8261% | 3,982 |
| Equity capital to assets | 11.3977% | 2,513 |
| Core capital (leverage) ratio | 12.3799% | 1,456 |
| Tier 1 risk-based capital ratio | 16.8559% | 2,682 |
| Total risk-based capital ratio | 18.1037% | 2,652 |
| Memoranda: | ||
| Average total assets | $103,167,670 | 4,602 |
| Average earning assets | $89,274,670 | 4,744 |
| Average equity | $11,535,670 | 4,490 |
| Average total loans | $57,724,000 | 4,623 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,351 |
| Cost of funding earning assets | 0.5345% | 2,557 |
| Net interest margin | 4.1239% | 1,403 |
| Noninterest income to average assets | 0.2065% | 5,702 |
| Noninterest expense to average assets | 3.5027% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2581% | 5,636 |
| Return on assets (ROA) | 0.2740% | 5,633 |
| Pretax return on assets | 0.2740% | 5,775 |
| Return on Equity (ROE) | 2.4763% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.4763% | 4,590 |
| Net charge-offs to loans | -0.0505% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1362% | 805 |
| Assets per employee ($millions) | 6.0455% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2051% | 843 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.5313% | 4,608 |
| Net loans and leases to deposits | 62.6253% | 4,477 |
| Net loans and leases to core deposits | 63.1756% | 4,774 |
| Total domestic deposits to total assets | 83.8820% | 4,315 |
| Equity capital to assets | 11.0749% | 2,657 |
| Core capital (leverage) ratio | 12.6485% | 1,320 |
| Tier 1 risk-based capital ratio | 18.3525% | 2,164 |
| Total risk-based capital ratio | 19.6087% | 2,129 |
| Memoranda: | ||
| Average total assets | $100,723,000 | 4,721 |
| Average earning assets | $86,810,000 | 4,848 |
| Average equity | $11,145,500 | 4,578 |
| Average total loans | $55,424,500 | 4,746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,279 |
| Cost of funding earning assets | 0.5565% | 3,057 |
| Net interest margin | 4.2584% | 1,198 |
| Noninterest income to average assets | 0.1998% | 5,892 |
| Noninterest expense to average assets | 3.5889% | 1,467 |
| Loan and lease loss provision to assets | 0.0209% | 4,713 |
| Net operating income to assets | 0.3427% | 5,367 |
| Return on assets (ROA) | 0.4111% | 5,221 |
| Pretax return on assets | 0.4132% | 5,467 |
| Return on Equity (ROE) | 3.3469% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.3469% | 3,847 |
| Net charge-offs to loans | 1.5410% | 301 |
| Credit loss provision to net charge-offs | 2.3923% | 4,679 |
| Earnings coverage of net charge-offs (x) | 0.4175% | 4,944 |
| Efficiency ratio | 90.7672% | 967 |
| Assets per employee ($millions) | 5.8043% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 1,220 |
| Loan loss allowance to noncurrent loans | 70.7088% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 4.8027% | 504 |
| Noncurrent loans to loans | 3.0676% | 1,126 |
| Net loans and leases to total assets | 55.1721% | 4,437 |
| Net loans and leases to deposits | 65.9255% | 4,306 |
| Net loans and leases to core deposits | 66.5306% | 4,655 |
| Total domestic deposits to total assets | 83.6885% | 4,285 |
| Equity capital to assets | 11.0557% | 2,563 |
| Core capital (leverage) ratio | 12.8435% | 1,204 |
| Tier 1 risk-based capital ratio | 18.1684% | 2,195 |
| Total risk-based capital ratio | 19.4237% | 2,153 |
| Memoranda: | ||
| Average total assets | $95,601,000 | 4,849 |
| Average earning assets | $84,280,600 | 4,926 |
| Average equity | $11,742,200 | 4,500 |
| Average total loans | $54,250,400 | 4,805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,614 |
| Cost of funding earning assets | 0.5589% | 3,170 |
| Net interest margin | 4.1340% | 1,526 |
| Noninterest income to average assets | 0.2025% | 5,970 |
| Noninterest expense to average assets | 3.4544% | 1,706 |
| Loan and lease loss provision to assets | 0.0281% | 4,449 |
| Net operating income to assets | 0.3599% | 5,404 |
| Return on assets (ROA) | 0.4401% | 5,216 |
| Pretax return on assets | 0.4401% | 5,525 |
| Return on Equity (ROE) | 3.4921% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.4921% | 4,205 |
| Net charge-offs to loans | 2.0803% | 174 |
| Credit loss provision to net charge-offs | 2.3781% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.3282% | 4,753 |
| Efficiency ratio | 89.9012% | 999 |
| Assets per employee ($millions) | 6.5602% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 1,460 |
| Loan loss allowance to noncurrent loans | 56.9398% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 5.1543% | 530 |
| Noncurrent loans to loans | 3.7309% | 988 |
| Net loans and leases to total assets | 56.2778% | 4,281 |
| Net loans and leases to deposits | 67.5584% | 4,114 |
| Net loans and leases to core deposits | 68.3953% | 4,493 |
| Total domestic deposits to total assets | 83.3023% | 4,462 |
| Equity capital to assets | 11.4072% | 2,374 |
| Core capital (leverage) ratio | 13.5822% | 989 |
| Tier 1 risk-based capital ratio | 17.8962% | 2,358 |
| Total risk-based capital ratio | 19.1513% | 2,321 |
| Memoranda: | ||
| Average total assets | $94,833,000 | 4,912 |
| Average earning assets | $83,499,500 | 4,986 |
| Average equity | $11,950,500 | 4,503 |
| Average total loans | $53,901,250 | 4,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 1,333 |
| Cost of funding earning assets | 0.5899% | 3,036 |
| Net interest margin | 4.2069% | 1,260 |
| Noninterest income to average assets | 0.2755% | 5,476 |
| Noninterest expense to average assets | 3.4984% | 1,612 |
| Loan and lease loss provision to assets | 0.0427% | 4,104 |
| Net operating income to assets | 0.4357% | 5,081 |
| Return on assets (ROA) | 0.4549% | 5,167 |
| Pretax return on assets | 0.4549% | 5,505 |
| Return on Equity (ROE) | 3.4940% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.4940% | 4,095 |
| Net charge-offs to loans | 3.2033% | 92 |
| Credit loss provision to net charge-offs | 2.3557% | 3,979 |
| Earnings coverage of net charge-offs (x) | 0.2638% | 4,459 |
| Efficiency ratio | 87.9699% | 1,223 |
| Assets per employee ($millions) | 6.9103% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 1,187 |
| Loan loss allowance to noncurrent loans | 55.6384% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 5.6849% | 507 |
| Noncurrent loans to loans | 4.2126% | 886 |
| Net loans and leases to total assets | 55.3788% | 4,388 |
| Net loans and leases to deposits | 68.4456% | 3,946 |
| Net loans and leases to core deposits | 69.4024% | 4,340 |
| Total domestic deposits to total assets | 80.9092% | 5,366 |
| Equity capital to assets | 13.1810% | 1,269 |
| Core capital (leverage) ratio | 13.5424% | 961 |
| Tier 1 risk-based capital ratio | 19.3033% | 1,908 |
| Total risk-based capital ratio | 20.5608% | 1,874 |
| Memoranda: | ||
| Average total assets | $93,643,000 | 4,969 |
| Average earning assets | $82,388,000 | 5,044 |
| Average equity | $12,192,330 | 4,488 |
| Average total loans | $53,008,000 | 4,913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,633 |
| Cost of funding earning assets | 0.6259% | 2,871 |
| Net interest margin | 4.0402% | 1,645 |
| Noninterest income to average assets | 0.1926% | 6,100 |
| Noninterest expense to average assets | 3.3826% | 1,867 |
| Loan and lease loss provision to assets | 0.0628% | 3,588 |
| Net operating income to assets | 0.3140% | 5,519 |
| Return on assets (ROA) | 0.3224% | 5,619 |
| Pretax return on assets | 0.3224% | 5,801 |
| Return on Equity (ROE) | 2.4903% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.4903% | 4,781 |
| Net charge-offs to loans | 0.3109% | 1,716 |
| Credit loss provision to net charge-offs | 35.7143% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,117 |
| Efficiency ratio | 89.9777% | 1,147 |
| Assets per employee ($millions) | 6.2718% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7125% | 354 |
| Loan loss allowance to noncurrent loans | 42.5950% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 8.1284% | 305 |
| Noncurrent loans to loans | 8.7159% | 282 |
| Net loans and leases to total assets | 55.0273% | 4,234 |
| Net loans and leases to deposits | 68.9055% | 3,650 |
| Net loans and leases to core deposits | 69.8350% | 4,103 |
| Total domestic deposits to total assets | 79.8591% | 5,784 |
| Equity capital to assets | 13.1637% | 1,352 |
| Core capital (leverage) ratio | 12.6848% | 1,256 |
| Tier 1 risk-based capital ratio | 18.4323% | 2,215 |
| Total risk-based capital ratio | 19.7036% | 2,179 |
| Memoranda: | ||
| Average total assets | $95,547,500 | 4,957 |
| Average earning assets | $84,352,000 | 5,031 |
| Average equity | $12,368,000 | 4,499 |
| Average total loans | $54,040,500 | 4,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 1,409 |
| Cost of funding earning assets | 1.0708% | 1,020 |
| Net interest margin | 3.9866% | 2,451 |
| Noninterest income to average assets | 0.2589% | 5,612 |
| Noninterest expense to average assets | 3.4661% | 1,911 |
| Loan and lease loss provision to assets | 0.0612% | 5,010 |
| Net operating income to assets | 0.2691% | 5,576 |
| Return on assets (ROA) | 0.7941% | 3,560 |
| Pretax return on assets | 0.7941% | 4,312 |
| Return on Equity (ROE) | 6.4224% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.4224% | 1,856 |
| Net charge-offs to loans | 0.5933% | 1,952 |
| Credit loss provision to net charge-offs | 17.4927% | 5,312 |
| Earnings coverage of net charge-offs (x) | 0.9446% | 4,996 |
| Efficiency ratio | 91.2997% | 962 |
| Assets per employee ($millions) | 6.9299% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7244% | 348 |
| Loan loss allowance to noncurrent loans | 39.7212% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 8.3016% | 324 |
| Noncurrent loans to loans | 9.3764% | 265 |
| Net loans and leases to total assets | 53.9013% | 4,631 |
| Net loans and leases to deposits | 66.9715% | 4,137 |
| Net loans and leases to core deposits | 67.4031% | 4,600 |
| Total domestic deposits to total assets | 80.4840% | 5,550 |
| Equity capital to assets | 12.7317% | 1,576 |
| Core capital (leverage) ratio | 12.2907% | 1,406 |
| Tier 1 risk-based capital ratio | 18.2864% | 2,173 |
| Total risk-based capital ratio | 19.5580% | 2,128 |
| Memoranda: | ||
| Average total assets | $98,093,200 | 4,884 |
| Average earning assets | $87,041,400 | 4,936 |
| Average equity | $12,129,400 | 4,542 |
| Average total loans | $57,815,400 | 4,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 2,334 |
| Cost of funding earning assets | 0.8921% | 2,225 |
| Net interest margin | 3.9237% | 2,827 |
| Noninterest income to average assets | 0.3768% | 4,810 |
| Noninterest expense to average assets | 3.4701% | 1,829 |
| Loan and lease loss provision to assets | 0.0610% | 4,954 |
| Net operating income to assets | 0.3335% | 5,498 |
| Return on assets (ROA) | 0.9733% | 2,866 |
| Pretax return on assets | 0.9733% | 3,809 |
| Return on Equity (ROE) | 7.9289% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.9289% | 1,644 |
| Net charge-offs to loans | 0.0909% | 4,467 |
| Credit loss provision to net charge-offs | 112.5000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 7.2753% | 2,624 |
| Efficiency ratio | 89.7931% | 1,057 |
| Assets per employee ($millions) | 6.4018% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9707% | 318 |
| Loan loss allowance to noncurrent loans | 47.7085% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 8.1904% | 369 |
| Noncurrent loans to loans | 8.3227% | 361 |
| Net loans and leases to total assets | 58.2034% | 4,100 |
| Net loans and leases to deposits | 71.2005% | 3,721 |
| Net loans and leases to core deposits | 71.9068% | 4,267 |
| Total domestic deposits to total assets | 81.7458% | 5,104 |
| Equity capital to assets | 12.8276% | 1,691 |
| Core capital (leverage) ratio | 12.5125% | 1,403 |
| Tier 1 risk-based capital ratio | 17.4338% | 2,565 |
| Total risk-based capital ratio | 18.7126% | 2,518 |
| Memoranda: | ||
| Average total assets | $98,362,000 | 4,919 |
| Average earning assets | $87,433,250 | 4,978 |
| Average equity | $12,073,750 | 4,597 |
| Average total loans | $58,690,000 | 4,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 2,004 |
| Cost of funding earning assets | 0.9230% | 2,238 |
| Net interest margin | 4.0027% | 2,491 |
| Noninterest income to average assets | 0.4337% | 4,407 |
| Noninterest expense to average assets | 3.5243% | 1,735 |
| Loan and lease loss provision to assets | 0.0605% | 4,895 |
| Net operating income to assets | 0.4095% | 5,182 |
| Return on assets (ROA) | 1.1741% | 2,005 |
| Pretax return on assets | 1.1741% | 3,036 |
| Return on Equity (ROE) | 9.7062% | 2,482 |
| Retained earnings to average equity (ytd only) | 9.7062% | 1,054 |
| Net charge-offs to loans | 0.4588% | 2,225 |
| Credit loss provision to net charge-offs | 22.2222% | 4,570 |
| Earnings coverage of net charge-offs (x) | 1.7259% | 4,118 |
| Efficiency ratio | 88.2323% | 1,215 |
| Assets per employee ($millions) | 6.0633% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9044% | 369 |
| Loan loss allowance to noncurrent loans | 50.2053% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 7.8598% | 442 |
| Noncurrent loans to loans | 7.7768% | 454 |
| Net loans and leases to total assets | 55.8399% | 4,492 |
| Net loans and leases to deposits | 68.0313% | 4,193 |
| Net loans and leases to core deposits | 68.6965% | 4,707 |
| Total domestic deposits to total assets | 82.0797% | 5,096 |
| Equity capital to assets | 12.5416% | 1,792 |
| Core capital (leverage) ratio | 11.8639% | 1,674 |
| Tier 1 risk-based capital ratio | 17.6480% | 2,414 |
| Total risk-based capital ratio | 18.9227% | 2,373 |
| Memoranda: | ||
| Average total assets | $99,140,330 | 4,918 |
| Average earning assets | $88,190,000 | 4,987 |
| Average equity | $11,992,330 | 4,603 |
| Average total loans | $58,852,670 | 4,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1663% | 1,392 |
| Cost of funding earning assets | 0.9337% | 2,411 |
| Net interest margin | 4.2326% | 1,663 |
| Noninterest income to average assets | 0.8423% | 1,974 |
| Noninterest expense to average assets | 3.5727% | 1,622 |
| Loan and lease loss provision to assets | 0.0599% | 4,661 |
| Net operating income to assets | 1.0099% | 2,440 |
| Return on assets (ROA) | 2.3951% | 254 |
| Pretax return on assets | 2.3951% | 394 |
| Return on Equity (ROE) | 20.1596% | 381 |
| Retained earnings to average equity (ytd only) | 20.1596% | 186 |
| Net charge-offs to loans | -0.0732% | 6,681 |
| Credit loss provision to net charge-offs | -136.3636% | 5,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9561% | 2,654 |
| Assets per employee ($millions) | 6.7678% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0377% | 358 |
| Loan loss allowance to noncurrent loans | 165.2729% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 4.3815% | 1,231 |
| Noncurrent loans to loans | 2.4430% | 2,670 |
| Net loans and leases to total assets | 54.5958% | 4,619 |
| Net loans and leases to deposits | 65.8125% | 4,406 |
| Net loans and leases to core deposits | 66.4206% | 4,866 |
| Total domestic deposits to total assets | 82.9565% | 4,948 |
| Equity capital to assets | 11.9084% | 2,106 |
| Core capital (leverage) ratio | 11.9392% | 1,622 |
| Tier 1 risk-based capital ratio | 17.1933% | 2,607 |
| Total risk-based capital ratio | 18.4700% | 2,561 |
| Memoranda: | ||
| Average total assets | $100,204,000 | 4,931 |
| Average earning assets | $89,967,500 | 4,972 |
| Average equity | $11,905,000 | 4,633 |
| Average total loans | $60,092,500 | 4,814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 1,553 |
| Cost of funding earning assets | 1.0400% | 3,095 |
| Net interest margin | 4.3145% | 1,652 |
| Noninterest income to average assets | -0.7769% | 7,304 |
| Noninterest expense to average assets | 3.6766% | 1,580 |
| Loan and lease loss provision to assets | 0.0281% | 6,221 |
| Net operating income to assets | -0.5548% | 6,526 |
| Return on assets (ROA) | -0.4798% | 6,529 |
| Pretax return on assets | -0.4798% | 6,485 |
| Return on Equity (ROE) | -4.2613% | 6,488 |
| Retained earnings to average equity (ytd only) | -4.2613% | 6,393 |
| Net charge-offs to loans | 0.4909% | 3,030 |
| Credit loss provision to net charge-offs | 8.1522% | 6,024 |
| Earnings coverage of net charge-offs (x) | -1.5272% | 6,252 |
| Efficiency ratio | 116.7212% | 337 |
| Assets per employee ($millions) | 6.1807% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6938% | 467 |
| Loan loss allowance to noncurrent loans | 162.2801% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 5.3028% | 975 |
| Noncurrent loans to loans | 2.2762% | 2,875 |
| Net loans and leases to total assets | 60.7972% | 3,829 |
| Net loans and leases to deposits | 73.3404% | 3,614 |
| Net loans and leases to core deposits | 74.0367% | 4,237 |
| Total domestic deposits to total assets | 82.8973% | 4,789 |
| Equity capital to assets | 11.8524% | 2,235 |
| Core capital (leverage) ratio | 11.2003% | 2,116 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,710 |
| Total risk-based capital ratio | 16.1573% | 3,664 |
| Memoranda: | ||
| Average total assets | $106,701,600 | 4,716 |
| Average earning assets | $97,114,800 | 4,708 |
| Average equity | $12,015,000 | 4,550 |
| Average total loans | $74,961,400 | 4,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,752 |
| Cost of funding earning assets | 1.0619% | 3,236 |
| Net interest margin | 4.2692% | 1,830 |
| Noninterest income to average assets | -0.5682% | 7,362 |
| Noninterest expense to average assets | 3.6408% | 1,625 |
| Loan and lease loss provision to assets | 0.0184% | 6,209 |
| Net operating income to assets | -0.3252% | 6,525 |
| Return on assets (ROA) | -0.2749% | 6,527 |
| Pretax return on assets | -0.2749% | 6,472 |
| Return on Equity (ROE) | -2.4706% | 6,524 |
| Retained earnings to average equity (ytd only) | -2.4706% | 6,357 |
| Net charge-offs to loans | -0.9475% | 7,381 |
| Credit loss provision to net charge-offs | -2.7027% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2013% | 442 |
| Assets per employee ($millions) | 6.6451% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4671% | 272 |
| Loan loss allowance to noncurrent loans | 36.6393% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 11.0457% | 290 |
| Noncurrent loans to loans | 12.1920% | 229 |
| Net loans and leases to total assets | 68.9577% | 2,285 |
| Net loans and leases to deposits | 83.4142% | 2,107 |
| Net loans and leases to core deposits | 85.1250% | 2,894 |
| Total domestic deposits to total assets | 82.6690% | 4,814 |
| Equity capital to assets | 12.1091% | 2,165 |
| Core capital (leverage) ratio | 11.3922% | 2,107 |
| Tier 1 risk-based capital ratio | 14.1323% | 4,252 |
| Total risk-based capital ratio | 15.4160% | 4,192 |
| Memoranda: | ||
| Average total assets | $108,654,250 | 4,704 |
| Average earning assets | $99,313,250 | 4,686 |
| Average equity | $12,088,500 | 4,542 |
| Average total loans | $78,094,500 | 4,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5844% | 1,101 |
| Cost of funding earning assets | 1.0954% | 3,279 |
| Net interest margin | 4.4889% | 1,164 |
| Noninterest income to average assets | -0.1290% | 7,305 |
| Noninterest expense to average assets | 3.6293% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3672% | 5,098 |
| Return on assets (ROA) | 0.3726% | 5,214 |
| Pretax return on assets | 0.3726% | 5,478 |
| Return on Equity (ROE) | 3.4395% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.4395% | 4,069 |
| Net charge-offs to loans | -0.9633% | 7,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8113% | 1,187 |
| Assets per employee ($millions) | 7.4660% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1649% | 368 |
| Loan loss allowance to noncurrent loans | 73.0825% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 6.5019% | 819 |
| Noncurrent loans to loans | 5.6990% | 1,085 |
| Net loans and leases to total assets | 66.7024% | 2,889 |
| Net loans and leases to deposits | 80.2320% | 2,750 |
| Net loans and leases to core deposits | 82.0332% | 3,498 |
| Total domestic deposits to total assets | 83.1369% | 4,700 |
| Equity capital to assets | 11.8748% | 2,193 |
| Core capital (leverage) ratio | 10.9907% | 2,257 |
| Tier 1 risk-based capital ratio | 14.2441% | 3,984 |
| Total risk-based capital ratio | 15.5243% | 3,939 |
| Memoranda: | ||
| Average total assets | $111,646,670 | 4,668 |
| Average earning assets | $102,608,000 | 4,633 |
| Average equity | $12,094,670 | 4,535 |
| Average total loans | $80,143,000 | 4,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 1,784 |
| Cost of funding earning assets | 1.0989% | 3,527 |
| Net interest margin | 4.2307% | 1,804 |
| Noninterest income to average assets | 0.0590% | 7,103 |
| Noninterest expense to average assets | 3.4130% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5625% | 4,226 |
| Return on assets (ROA) | 0.6284% | 3,942 |
| Pretax return on assets | 0.6284% | 4,574 |
| Return on Equity (ROE) | 6.0657% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.0657% | 2,600 |
| Net charge-offs to loans | 0.0954% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 1,860 |
| Efficiency ratio | 85.8515% | 1,729 |
| Assets per employee ($millions) | 8.1082% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2818% | 724 |
| Loan loss allowance to noncurrent loans | 37.0674% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 7.5717% | 657 |
| Noncurrent loans to loans | 8.8537% | 516 |
| Net loans and leases to total assets | 68.1240% | 2,521 |
| Net loans and leases to deposits | 82.8754% | 2,204 |
| Net loans and leases to core deposits | 87.1925% | 2,709 |
| Total domestic deposits to total assets | 82.2006% | 5,225 |
| Equity capital to assets | 10.6585% | 3,028 |
| Core capital (leverage) ratio | 10.3582% | 2,753 |
| Tier 1 risk-based capital ratio | 12.7879% | 4,983 |
| Total risk-based capital ratio | 14.0617% | 4,954 |
| Memoranda: | ||
| Average total assets | $115,208,000 | 4,611 |
| Average earning assets | $106,648,500 | 4,571 |
| Average equity | $11,936,000 | 4,565 |
| Average total loans | $83,839,500 | 4,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 1,662 |
| Cost of funding earning assets | 1.4044% | 3,243 |
| Net interest margin | 4.2708% | 1,916 |
| Noninterest income to average assets | 0.0905% | 6,945 |
| Noninterest expense to average assets | 3.2107% | 3,051 |
| Loan and lease loss provision to assets | 4.7277% | 89 |
| Net operating income to assets | -3.8483% | 7,418 |
| Return on assets (ROA) | -3.7996% | 7,428 |
| Pretax return on assets | -3.7996% | 7,407 |
| Return on Equity (ROE) | -30.5356% | 7,238 |
| Retained earnings to average equity (ytd only) | -30.5356% | 7,226 |
| Net charge-offs to loans | 4.7552% | 206 |
| Credit loss provision to net charge-offs | 130.4609% | 3,038 |
| Earnings coverage of net charge-offs (x) | 0.2427% | 5,868 |
| Efficiency ratio | 78.4985% | 2,617 |
| Assets per employee ($millions) | 7.7934% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0140% | 858 |
| Loan loss allowance to noncurrent loans | 30.4573% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 7.4259% | 710 |
| Noncurrent loans to loans | 9.8958% | 434 |
| Net loans and leases to total assets | 72.7795% | 1,928 |
| Net loans and leases to deposits | 88.4729% | 1,725 |
| Net loans and leases to core deposits | 94.2245% | 2,229 |
| Total domestic deposits to total assets | 82.2619% | 5,103 |
| Equity capital to assets | 10.0709% | 3,657 |
| Core capital (leverage) ratio | 9.6635% | 3,471 |
| Tier 1 risk-based capital ratio | 11.8244% | 5,631 |
| Total risk-based capital ratio | 13.0938% | 5,614 |
| Memoranda: | ||
| Average total assets | $114,959,800 | 4,594 |
| Average earning assets | $107,662,400 | 4,520 |
| Average equity | $14,304,600 | 4,070 |
| Average total loans | $87,608,600 | 4,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 1,980 |
| Cost of funding earning assets | 1.4700% | 3,144 |
| Net interest margin | 4.1526% | 2,397 |
| Noninterest income to average assets | 0.0839% | 7,114 |
| Noninterest expense to average assets | 2.9805% | 3,821 |
| Loan and lease loss provision to assets | 4.8743% | 97 |
| Net operating income to assets | -3.8820% | 7,560 |
| Return on assets (ROA) | -3.8168% | 7,568 |
| Pretax return on assets | -3.8168% | 7,544 |
| Return on Equity (ROE) | -29.2500% | 7,375 |
| Retained earnings to average equity (ytd only) | -29.2500% | 7,365 |
| Net charge-offs to loans | 4.2916% | 259 |
| Credit loss provision to net charge-offs | 148.4569% | 2,632 |
| Earnings coverage of net charge-offs (x) | 0.3022% | 5,726 |
| Efficiency ratio | 75.0220% | 3,138 |
| Assets per employee ($millions) | 7.4393% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9155% | 889 |
| Loan loss allowance to noncurrent loans | 25.0251% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 9.2020% | 478 |
| Noncurrent loans to loans | 11.6504% | 314 |
| Net loans and leases to total assets | 76.6820% | 1,283 |
| Net loans and leases to deposits | 94.7218% | 1,121 |
| Net loans and leases to core deposits | 105.1653% | 1,392 |
| Total domestic deposits to total assets | 80.9549% | 5,389 |
| Equity capital to assets | 11.0789% | 2,877 |
| Core capital (leverage) ratio | 10.7356% | 2,481 |
| Tier 1 risk-based capital ratio | 10.9467% | 6,425 |
| Total risk-based capital ratio | 12.2026% | 6,404 |
| Memoranda: | ||
| Average total assets | $114,474,500 | 4,663 |
| Average earning assets | $107,206,250 | 4,591 |
| Average equity | $14,937,500 | 4,000 |
| Average total loans | $87,579,750 | 4,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 1,338 |
| Cost of funding earning assets | 1.5324% | 3,055 |
| Net interest margin | 4.3005% | 1,780 |
| Noninterest income to average assets | 0.0779% | 7,197 |
| Noninterest expense to average assets | 2.9109% | 4,035 |
| Loan and lease loss provision to assets | 2.8064% | 372 |
| Net operating income to assets | -1.6095% | 7,190 |
| Return on assets (ROA) | -1.6095% | 7,200 |
| Pretax return on assets | -1.6095% | 7,117 |
| Return on Equity (ROE) | -11.7132% | 7,031 |
| Retained earnings to average equity (ytd only) | -11.7132% | 6,988 |
| Net charge-offs to loans | 0.7491% | 2,365 |
| Credit loss provision to net charge-offs | 495.3125% | 751 |
| Earnings coverage of net charge-offs (x) | 2.1125% | 3,967 |
| Efficiency ratio | 70.8621% | 4,006 |
| Assets per employee ($millions) | 9.2470% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8567% | 948 |
| Loan loss allowance to noncurrent loans | 108.7315% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0198% | 3,476 |
| Noncurrent loans to loans | 2.6273% | 3,010 |
| Net loans and leases to total assets | 74.6812% | 1,771 |
| Net loans and leases to deposits | 94.1679% | 1,252 |
| Net loans and leases to core deposits | 109.6288% | 1,191 |
| Total domestic deposits to total assets | 79.3064% | 5,941 |
| Equity capital to assets | 12.8582% | 1,627 |
| Core capital (leverage) ratio | 13.1987% | 1,142 |
| Tier 1 risk-based capital ratio | 12.9887% | 4,452 |
| Total risk-based capital ratio | 14.2598% | 4,388 |
| Memoranda: | ||
| Average total assets | $112,956,670 | 4,732 |
| Average earning assets | $105,847,670 | 4,649 |
| Average equity | $15,521,000 | 3,886 |
| Average total loans | $85,435,000 | 4,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8842% | 1,235 |
| Cost of funding earning assets | 1.5824% | 3,061 |
| Net interest margin | 4.3018% | 1,685 |
| Noninterest income to average assets | 0.0841% | 7,286 |
| Noninterest expense to average assets | 2.9562% | 3,831 |
| Loan and lease loss provision to assets | 4.9026% | 165 |
| Net operating income to assets | -3.7465% | 7,698 |
| Return on assets (ROA) | -3.6733% | 7,696 |
| Pretax return on assets | -3.6733% | 7,660 |
| Return on Equity (ROE) | -25.8214% | 7,513 |
| Retained earnings to average equity (ytd only) | -25.8214% | 7,474 |
| Net charge-offs to loans | 1.0544% | 1,575 |
| Credit loss provision to net charge-offs | 620.3704% | 705 |
| Earnings coverage of net charge-offs (x) | 1.4630% | 3,863 |
| Efficiency ratio | 71.8861% | 3,951 |
| Assets per employee ($millions) | 8.5170% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9991% | 825 |
| Loan loss allowance to noncurrent loans | 383.8710% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 6,043 |
| Noncurrent loans to loans | 0.7813% | 5,763 |
| Net loans and leases to total assets | 73.0006% | 2,200 |
| Net loans and leases to deposits | 93.7646% | 1,376 |
| Net loans and leases to core deposits | 109.3735% | 1,325 |
| Total domestic deposits to total assets | 77.8551% | 6,350 |
| Equity capital to assets | 13.6216% | 1,278 |
| Core capital (leverage) ratio | 13.5571% | 1,069 |
| Tier 1 risk-based capital ratio | 13.8616% | 3,758 |
| Total risk-based capital ratio | 15.1337% | 3,702 |
| Memoranda: | ||
| Average total assets | $109,329,500 | 4,890 |
| Average earning assets | $102,375,000 | 4,800 |
| Average equity | $15,553,000 | 3,905 |
| Average total loans | $81,945,000 | 4,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 1,376 |
| Cost of funding earning assets | 2.2302% | 1,898 |
| Net interest margin | 3.9195% | 3,191 |
| Noninterest income to average assets | -0.0042% | 7,717 |
| Noninterest expense to average assets | 3.0000% | 4,140 |
| Loan and lease loss provision to assets | 0.4950% | 3,895 |
| Net operating income to assets | 0.5575% | 3,493 |
| Return on assets (ROA) | 0.7857% | 2,675 |
| Pretax return on assets | 0.4741% | 4,268 |
| Return on Equity (ROE) | 4.8534% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.8534% | 1,900 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1950% | 2,861 |
| Assets per employee ($millions) | 8.3029% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 2,877 |
| Loan loss allowance to noncurrent loans | 383.0084% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,613 |
| Noncurrent loans to loans | 0.4456% | 6,381 |
| Net loans and leases to total assets | 73.3653% | 2,415 |
| Net loans and leases to deposits | 99.9117% | 912 |
| Net loans and leases to core deposits | 184.7879% | 140 |
| Total domestic deposits to total assets | 73.4301% | 7,099 |
| Equity capital to assets | 14.8456% | 943 |
| Core capital (leverage) ratio | 15.0645% | 765 |
| Tier 1 risk-based capital ratio | 15.1065% | 2,882 |
| Total risk-based capital ratio | 16.3661% | 2,837 |
| Memoranda: | ||
| Average total assets | $95,965,800 | 5,204 |
| Average earning assets | $91,695,600 | 5,069 |
| Average equity | $15,535,400 | 3,962 |
| Average total loans | $72,485,800 | 4,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0845% | 1,704 |
| Cost of funding earning assets | 2.3794% | 1,702 |
| Net interest margin | 3.7051% | 4,046 |
| Noninterest income to average assets | -0.0416% | 7,888 |
| Noninterest expense to average assets | 2.9900% | 4,085 |
| Loan and lease loss provision to assets | 0.5378% | 3,236 |
| Net operating income to assets | -0.0158% | 5,737 |
| Return on assets (ROA) | 0.2969% | 4,908 |
| Pretax return on assets | 0.2983% | 5,069 |
| Return on Equity (ROE) | 1.7906% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.7906% | 4,312 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1020% | 2,169 |
| Assets per employee ($millions) | 8.4971% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 2,656 |
| Loan loss allowance to noncurrent loans | 861.4865% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 7,179 |
| Noncurrent loans to loans | 0.1964% | 7,012 |
| Net loans and leases to total assets | 72.6426% | 2,870 |
| Net loans and leases to deposits | 95.2118% | 1,682 |
| Net loans and leases to core deposits | 158.3606% | 409 |
| Total domestic deposits to total assets | 76.2958% | 6,530 |
| Equity capital to assets | 15.4288% | 904 |
| Core capital (leverage) ratio | 15.5042% | 758 |
| Tier 1 risk-based capital ratio | 15.4321% | 2,856 |
| Total risk-based capital ratio | 16.6828% | 2,798 |
| Memoranda: | ||
| Average total assets | $92,972,750 | 5,336 |
| Average earning assets | $89,208,000 | 5,189 |
| Average equity | $15,413,250 | 4,021 |
| Average total loans | $70,466,250 | 4,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8482% | 2,817 |
| Cost of funding earning assets | 2.5080% | 1,584 |
| Net interest margin | 3.3402% | 5,401 |
| Noninterest income to average assets | 0.0333% | 7,824 |
| Noninterest expense to average assets | 3.0164% | 4,020 |
| Loan and lease loss provision to assets | 0.5335% | 2,894 |
| Net operating income to assets | -0.2979% | 6,324 |
| Return on assets (ROA) | -0.0133% | 5,943 |
| Pretax return on assets | -0.0111% | 5,881 |
| Return on Equity (ROE) | -0.0784% | 5,942 |
| Retained earnings to average equity (ytd only) | -0.0784% | 5,238 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6913% | 1,591 |
| Assets per employee ($millions) | 7.5575% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,405 |
| Loan loss allowance to noncurrent loans | 770.2703% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 7,188 |
| Noncurrent loans to loans | 0.1898% | 7,038 |
| Net loans and leases to total assets | 78.2041% | 1,701 |
| Net loans and leases to deposits | 103.3090% | 961 |
| Net loans and leases to core deposits | 163.6228% | 392 |
| Total domestic deposits to total assets | 75.6993% | 6,615 |
| Equity capital to assets | 15.7255% | 880 |
| Core capital (leverage) ratio | 16.0938% | 732 |
| Tier 1 risk-based capital ratio | 16.8440% | 2,348 |
| Total risk-based capital ratio | 18.0946% | 2,302 |
| Memoranda: | ||
| Average total assets | $89,975,330 | 5,460 |
| Average earning assets | $86,761,000 | 5,308 |
| Average equity | $15,307,000 | 4,064 |
| Average total loans | $68,840,000 | 5,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 5,545 |
| Cost of funding earning assets | 2.5482% | 1,743 |
| Net interest margin | 2.8276% | 6,932 |
| Noninterest income to average assets | 0.0140% | 8,003 |
| Noninterest expense to average assets | 3.0103% | 3,719 |
| Loan and lease loss provision to assets | 0.5965% | 2,106 |
| Net operating income to assets | -0.8574% | 7,158 |
| Return on assets (ROA) | -0.2470% | 6,692 |
| Pretax return on assets | -0.2470% | 6,619 |
| Return on Equity (ROE) | -1.3915% | 6,597 |
| Retained earnings to average equity (ytd only) | -1.3915% | 5,978 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4915% | 821 |
| Assets per employee ($millions) | 7.0008% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 3,050 |
| Loan loss allowance to noncurrent loans | 689.9329% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 7,067 |
| Noncurrent loans to loans | 0.2159% | 6,915 |
| Net loans and leases to total assets | 74.7050% | 2,577 |
| Net loans and leases to deposits | 102.4208% | 1,136 |
| Net loans and leases to core deposits | 158.6341% | 513 |
| Total domestic deposits to total assets | 72.9392% | 7,062 |
| Equity capital to assets | 16.7377% | 755 |
| Core capital (leverage) ratio | 17.3916% | 609 |
| Tier 1 risk-based capital ratio | 18.2796% | 1,985 |
| Total risk-based capital ratio | 19.5304% | 1,944 |
| Memoranda: | ||
| Average total assets | $85,839,000 | 5,611 |
| Average earning assets | $83,039,500 | 5,457 |
| Average equity | $15,235,500 | 4,098 |
| Average total loans | $64,273,000 | 5,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0278% | 5,420 |
| Cost of funding earning assets | 2.2781% | 5,252 |
| Net interest margin | 3.7497% | 4,228 |
| Noninterest income to average assets | 0.0176% | 8,039 |
| Noninterest expense to average assets | 4.8572% | 684 |
| Loan and lease loss provision to assets | 1.6008% | 825 |
| Net operating income to assets | -2.9077% | 7,807 |
| Return on assets (ROA) | -2.8998% | 7,772 |
| Pretax return on assets | -2.8979% | 7,683 |
| Return on Equity (ROE) | -9.3866% | 7,231 |
| Retained earnings to average equity (ytd only) | -9.3866% | 7,014 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7347% | 420 |
| Assets per employee ($millions) | 6.7223% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.6794% | 3,440 |
| Net loans and leases to deposits | 102.5861% | 1,519 |
| Net loans and leases to core deposits | 138.4000% | 1,350 |
| Total domestic deposits to total assets | 70.8472% | 7,182 |
| Equity capital to assets | 18.8898% | 558 |
| Core capital (leverage) ratio | 20.4316% | 412 |
| Tier 1 risk-based capital ratio | 20.8035% | 1,481 |
| Total risk-based capital ratio | 22.0512% | 1,463 |
| Memoranda: | ||
| Average total assets | $51,037,600 | 6,730 |
| Average earning assets | $48,110,800 | 6,666 |
| Average equity | $15,767,200 | 3,978 |
| Average total loans | $32,382,000 | 6,588 |