Home > Teton Banks > Performance and Condition Ratios
Teton Banks, 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 | 4.4788% | 1,613 |
| Cost of funding earning assets | 0.2139% | 4,933 |
| Net interest margin | 4.2649% | 997 |
| Noninterest income to average assets | 0.4492% | 3,562 |
| Noninterest expense to average assets | 2.0439% | 5,119 |
| Loan and lease loss provision to assets | 0.1158% | 1,996 |
| Net operating income to assets | 2.0572% | 314 |
| Return on assets (ROA) | 2.0738% | 319 |
| Pretax return on assets | 2.0738% | 491 |
| Return on Equity (ROE) | 17.6246% | 384 |
| Retained earnings to average equity (ytd only) | 2.6878% | 4,294 |
| Net charge-offs to loans | 0.0627% | 2,456 |
| Credit loss provision to net charge-offs | 330.9091% | 965 |
| Earnings coverage of net charge-offs (x) | 62.0922% | 930 |
| Efficiency ratio | 45.0128% | 5,711 |
| Assets per employee ($millions) | 6.0687% | 1,384 |
| Cash dividends to net income (ytd only)* | 84.7499% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2301% | 5,884 |
| Loan loss allowance to noncurrent loans | 24.0409% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 2,721 |
| Noncurrent loans to loans | 0.9572% | 2,331 |
| Net loans and leases to total assets | 61.0527% | 3,735 |
| Net loans and leases to deposits | 70.8847% | 3,899 |
| Net loans and leases to core deposits | 89.8614% | 2,592 |
| Total domestic deposits to total assets | 86.1296% | 2,293 |
| Equity capital to assets | 12.6166% | 1,695 |
| Core capital (leverage) ratio | 9.4639% | 4,228 |
| Tier 1 risk-based capital ratio | 12.5310% | 4,454 |
| Total risk-based capital ratio | 12.7254% | 5,015 |
| Memoranda: | ||
| Average total assets | $209,533,500 | 2,875 |
| Average earning assets | $185,103,500 | 2,972 |
| Average equity | $24,654,250 | 2,768 |
| Average total loans | $116,938,250 | 3,118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 1,813 |
| Cost of funding earning assets | 0.2497% | 4,661 |
| Net interest margin | 4.1561% | 1,213 |
| Noninterest income to average assets | 0.4430% | 3,572 |
| Noninterest expense to average assets | 1.9791% | 5,313 |
| Loan and lease loss provision to assets | 0.1712% | 1,289 |
| Net operating income to assets | 1.9725% | 348 |
| Return on assets (ROA) | 1.9960% | 348 |
| Pretax return on assets | 1.9960% | 572 |
| Return on Equity (ROE) | 17.3579% | 407 |
| Retained earnings to average equity (ytd only) | -5.2352% | 5,754 |
| Net charge-offs to loans | 0.0330% | 2,791 |
| Credit loss provision to net charge-offs | 957.8947% | 390 |
| Earnings coverage of net charge-offs (x) | 119.9474% | 491 |
| Efficiency ratio | 44.5357% | 5,805 |
| Assets per employee ($millions) | 6.0043% | 1,398 |
| Cash dividends to net income (ytd only)* | 130.1602% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2649% | 5,952 |
| Loan loss allowance to noncurrent loans | 31.5476% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 3,186 |
| Noncurrent loans to loans | 0.8396% | 2,646 |
| Net loans and leases to total assets | 58.6534% | 4,053 |
| Net loans and leases to deposits | 67.6662% | 4,212 |
| Net loans and leases to core deposits | 88.4681% | 2,683 |
| Total domestic deposits to total assets | 86.6805% | 2,069 |
| Equity capital to assets | 11.7715% | 2,293 |
| Core capital (leverage) ratio | 8.5126% | 5,354 |
| Tier 1 risk-based capital ratio | 11.9010% | 4,894 |
| Total risk-based capital ratio | 12.1237% | 5,413 |
| Memoranda: | ||
| Average total assets | $212,622,000 | 2,860 |
| Average earning assets | $188,252,670 | 2,951 |
| Average equity | $24,450,000 | 2,796 |
| Average total loans | $115,067,330 | 3,157 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 2,650 |
| Cost of funding earning assets | 0.2598% | 4,612 |
| Net interest margin | 3.8904% | 1,962 |
| Noninterest income to average assets | 0.4187% | 3,692 |
| Noninterest expense to average assets | 1.8685% | 5,565 |
| Loan and lease loss provision to assets | 0.1678% | 1,231 |
| Net operating income to assets | 1.8353% | 448 |
| Return on assets (ROA) | 1.8353% | 478 |
| Pretax return on assets | 1.8353% | 798 |
| Return on Equity (ROE) | 16.1398% | 521 |
| Retained earnings to average equity (ytd only) | 7.2183% | 1,785 |
| Net charge-offs to loans | -0.0071% | 4,401 |
| Credit loss provision to net charge-offs | -4,550.0000% | 5,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6403% | 5,851 |
| Assets per employee ($millions) | 6.1791% | 1,285 |
| Cash dividends to net income (ytd only)* | 55.2764% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2203% | 6,034 |
| Loan loss allowance to noncurrent loans | 23.1993% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 3,234 |
| Noncurrent loans to loans | 0.9495% | 2,478 |
| Net loans and leases to total assets | 51.9413% | 4,630 |
| Net loans and leases to deposits | 59.7163% | 4,733 |
| Net loans and leases to core deposits | 81.8622% | 3,139 |
| Total domestic deposits to total assets | 86.9801% | 2,219 |
| Equity capital to assets | 11.5601% | 2,386 |
| Core capital (leverage) ratio | 8.5930% | 5,300 |
| Tier 1 risk-based capital ratio | 13.1979% | 4,143 |
| Total risk-based capital ratio | 13.3794% | 4,731 |
| Memoranda: | ||
| Average total assets | $216,860,500 | 2,813 |
| Average earning assets | $192,473,000 | 2,907 |
| Average equity | $24,659,500 | 2,775 |
| Average total loans | $112,573,000 | 3,204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5075% | 5,996 |
| Cost of funding earning assets | 0.1403% | 5,747 |
| Net interest margin | 2.3672% | 5,909 |
| Noninterest income to average assets | 0.2645% | 4,984 |
| Noninterest expense to average assets | 1.1892% | 6,093 |
| Loan and lease loss provision to assets | 0.0771% | 2,736 |
| Net operating income to assets | 1.1121% | 1,867 |
| Return on assets (ROA) | 1.1121% | 1,932 |
| Pretax return on assets | 1.1121% | 2,987 |
| Return on Equity (ROE) | 8.9515% | 2,478 |
| Retained earnings to average equity (ytd only) | 3.7931% | 3,332 |
| Net charge-offs to loans | 0.0044% | 4,292 |
| Credit loss provision to net charge-offs | 3,200.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 493.6000% | 133 |
| Efficiency ratio | 50.0000% | 5,760 |
| Assets per employee ($millions) | 6.2129% | 1,249 |
| Cash dividends to net income (ytd only)* | 57.6256% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1377% | 6,104 |
| Loan loss allowance to noncurrent loans | 18.7424% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 4,071 |
| Noncurrent loans to loans | 0.7347% | 2,975 |
| Net loans and leases to total assets | 51.6942% | 4,719 |
| Net loans and leases to deposits | 59.2271% | 4,835 |
| Net loans and leases to core deposits | 80.8176% | 3,260 |
| Total domestic deposits to total assets | 87.2813% | 1,996 |
| Equity capital to assets | 11.1832% | 2,647 |
| Core capital (leverage) ratio | 8.6688% | 5,250 |
| Tier 1 risk-based capital ratio | 13.3422% | 4,083 |
| Total risk-based capital ratio | 13.4572% | 4,724 |
| Memoranda: | ||
| Average total assets | $207,530,200 | 2,876 |
| Average earning assets | $185,322,400 | 2,942 |
| Average equity | $25,783,400 | 2,635 |
| Average total loans | $112,707,600 | 3,158 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8395% | 6,201 |
| Cost of funding earning assets | 0.1191% | 5,984 |
| Net interest margin | 1.7204% | 6,178 |
| Noninterest income to average assets | 0.1944% | 5,485 |
| Noninterest expense to average assets | 0.7783% | 6,232 |
| Loan and lease loss provision to assets | 0.0416% | 3,381 |
| Net operating income to assets | 0.9142% | 2,893 |
| Return on assets (ROA) | 0.9142% | 2,980 |
| Pretax return on assets | 0.9142% | 3,938 |
| Return on Equity (ROE) | 7.1688% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.1688% | 1,615 |
| Net charge-offs to loans | -0.0035% | 4,772 |
| Credit loss provision to net charge-offs | -2,133.3333% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8819% | 6,008 |
| Assets per employee ($millions) | 5.9356% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0572% | 6,205 |
| Loan loss allowance to noncurrent loans | 5.6397% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 3,577 |
| Noncurrent loans to loans | 1.0136% | 2,451 |
| Net loans and leases to total assets | 56.3854% | 4,306 |
| Net loans and leases to deposits | 65.3546% | 4,438 |
| Net loans and leases to core deposits | 87.5865% | 2,698 |
| Total domestic deposits to total assets | 86.2761% | 2,396 |
| Equity capital to assets | 12.0069% | 2,102 |
| Core capital (leverage) ratio | 9.1179% | 4,852 |
| Tier 1 risk-based capital ratio | 13.3924% | 4,201 |
| Total risk-based capital ratio | 13.4411% | 4,870 |
| Memoranda: | ||
| Average total assets | $205,049,750 | 2,923 |
| Average earning assets | $183,521,250 | 2,988 |
| Average equity | $26,149,750 | 2,635 |
| Average total loans | $112,743,250 | 3,187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4368% | 6,332 |
| Cost of funding earning assets | 0.0542% | 6,262 |
| Net interest margin | 0.3826% | 6,332 |
| Noninterest income to average assets | 0.0617% | 6,137 |
| Noninterest expense to average assets | 0.1920% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2155% | 5,657 |
| Return on assets (ROA) | 0.2155% | 5,727 |
| Pretax return on assets | 0.2155% | 5,787 |
| Return on Equity (ROE) | 1.6571% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,867 |
| Net charge-offs to loans | -0.0018% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1154% | 6,001 |
| Assets per employee ($millions) | 6.0219% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0009% | 6,288 |
| Loan loss allowance to noncurrent loans | 0.1186% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 4,305 |
| Noncurrent loans to loans | 0.7461% | 3,247 |
| Net loans and leases to total assets | 53.6083% | 4,596 |
| Net loans and leases to deposits | 61.8943% | 4,712 |
| Net loans and leases to core deposits | 85.3545% | 2,839 |
| Total domestic deposits to total assets | 86.6126% | 2,363 |
| Equity capital to assets | 11.1778% | 2,690 |
| Core capital (leverage) ratio | 9.0420% | 4,900 |
| Tier 1 risk-based capital ratio | 13.2939% | 4,350 |
| Total risk-based capital ratio | 13.2947% | 5,018 |
| Memoranda: | ||
| Average total assets | $204,150,330 | 2,952 |
| Average earning assets | $184,509,330 | 2,996 |
| Average equity | $26,551,670 | 2,607 |
| Average total loans | $111,656,670 | 3,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 2,847 |
| Cost of funding earning assets | 0.5346% | 1,973 |
| Net interest margin | 3.5612% | 3,172 |
| Noninterest income to average assets | 0.4680% | 3,514 |
| Noninterest expense to average assets | 1.8004% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2368% | 1,441 |
| Return on assets (ROA) | 1.2368% | 1,528 |
| Pretax return on assets | 1.9179% | 691 |
| Return on Equity (ROE) | 8.8562% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.8562% | 1,250 |
| Net charge-offs to loans | -0.0036% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4199% | 5,996 |
| Assets per employee ($millions) | 5.7208% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 3,154 |
| Loan loss allowance to noncurrent loans | 180.0729% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 4,385 |
| Noncurrent loans to loans | 0.7482% | 3,392 |
| Net loans and leases to total assets | 54.1927% | 4,419 |
| Net loans and leases to deposits | 64.6803% | 4,297 |
| Net loans and leases to core deposits | 77.2878% | 3,450 |
| Total domestic deposits to total assets | 83.7855% | 3,896 |
| Equity capital to assets | 14.2068% | 920 |
| Core capital (leverage) ratio | 14.0465% | 810 |
| Tier 1 risk-based capital ratio | 21.6547% | 1,292 |
| Total risk-based capital ratio | 22.7908% | 1,286 |
| Memoranda: | ||
| Average total assets | $200,842,500 | 3,003 |
| Average earning assets | $183,307,500 | 3,025 |
| Average equity | $28,048,000 | 2,500 |
| Average total loans | $110,990,500 | 3,248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 2,736 |
| Cost of funding earning assets | 0.5797% | 1,954 |
| Net interest margin | 3.6815% | 3,079 |
| Noninterest income to average assets | 0.5213% | 3,351 |
| Noninterest expense to average assets | 2.2799% | 5,158 |
| Loan and lease loss provision to assets | 0.0182% | 4,248 |
| Net operating income to assets | 1.1742% | 1,662 |
| Return on assets (ROA) | 1.1847% | 1,706 |
| Pretax return on assets | 1.5927% | 1,257 |
| Return on Equity (ROE) | 8.8687% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.1116% | 983 |
| Net charge-offs to loans | 0.0046% | 4,859 |
| Credit loss provision to net charge-offs | 720.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 631.6000% | 79 |
| Efficiency ratio | 58.8105% | 5,366 |
| Assets per employee ($millions) | 5.7559% | 1,553 |
| Cash dividends to net income (ytd only)* | 8.5361% | 4,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,303 |
| Loan loss allowance to noncurrent loans | 210.9687% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,660 |
| Noncurrent loans to loans | 0.6268% | 3,812 |
| Net loans and leases to total assets | 54.8549% | 4,468 |
| Net loans and leases to deposits | 64.9571% | 4,433 |
| Net loans and leases to core deposits | 77.4328% | 3,573 |
| Total domestic deposits to total assets | 84.4478% | 3,533 |
| Equity capital to assets | 13.7250% | 1,062 |
| Core capital (leverage) ratio | 14.2393% | 764 |
| Tier 1 risk-based capital ratio | 21.0244% | 1,403 |
| Total risk-based capital ratio | 22.1515% | 1,399 |
| Memoranda: | ||
| Average total assets | $197,776,000 | 3,024 |
| Average earning assets | $180,253,400 | 3,042 |
| Average equity | $26,418,800 | 2,533 |
| Average total loans | $108,170,600 | 3,265 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,865 |
| Cost of funding earning assets | 0.5870% | 1,952 |
| Net interest margin | 3.6477% | 3,236 |
| Noninterest income to average assets | 0.5161% | 3,437 |
| Noninterest expense to average assets | 1.9073% | 5,941 |
| Loan and lease loss provision to assets | 0.0183% | 4,042 |
| Net operating income to assets | 1.3332% | 1,281 |
| Return on assets (ROA) | 1.3465% | 1,309 |
| Pretax return on assets | 1.9344% | 658 |
| Return on Equity (ROE) | 10.1513% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.1300% | 946 |
| Net charge-offs to loans | 0.0423% | 3,655 |
| Credit loss provision to net charge-offs | 79.4118% | 2,606 |
| Earnings coverage of net charge-offs (x) | 83.9746% | 680 |
| Efficiency ratio | 49.6561% | 6,113 |
| Assets per employee ($millions) | 5.7366% | 1,537 |
| Cash dividends to net income (ytd only)* | 10.0604% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 4,102 |
| Loan loss allowance to noncurrent loans | 176.1905% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,659 |
| Noncurrent loans to loans | 0.6957% | 3,871 |
| Net loans and leases to total assets | 59.6199% | 3,859 |
| Net loans and leases to deposits | 70.6960% | 3,837 |
| Net loans and leases to core deposits | 83.0222% | 2,995 |
| Total domestic deposits to total assets | 84.3328% | 3,628 |
| Equity capital to assets | 13.9169% | 1,036 |
| Core capital (leverage) ratio | 14.0018% | 841 |
| Tier 1 risk-based capital ratio | 20.2138% | 1,614 |
| Total risk-based capital ratio | 21.2833% | 1,635 |
| Memoranda: | ||
| Average total assets | $196,855,750 | 3,052 |
| Average earning assets | $179,435,000 | 3,072 |
| Average equity | $26,111,000 | 2,565 |
| Average total loans | $107,215,750 | 3,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 3,323 |
| Cost of funding earning assets | 0.5890% | 1,987 |
| Net interest margin | 3.5151% | 3,718 |
| Noninterest income to average assets | 0.5186% | 3,350 |
| Noninterest expense to average assets | 1.8849% | 6,023 |
| Loan and lease loss provision to assets | 0.0182% | 3,901 |
| Net operating income to assets | 1.2903% | 1,340 |
| Return on assets (ROA) | 1.2924% | 1,385 |
| Pretax return on assets | 1.8221% | 812 |
| Return on Equity (ROE) | 9.9043% | 2,190 |
| Retained earnings to average equity (ytd only) | 8.3519% | 1,187 |
| Net charge-offs to loans | 0.0212% | 3,785 |
| Credit loss provision to net charge-offs | 163.6364% | 1,375 |
| Earnings coverage of net charge-offs (x) | 164.9091% | 378 |
| Efficiency ratio | 50.6395% | 6,143 |
| Assets per employee ($millions) | 5.6833% | 1,535 |
| Cash dividends to net income (ytd only)* | 15.6740% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 3,756 |
| Loan loss allowance to noncurrent loans | 197.4255% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,913 |
| Noncurrent loans to loans | 0.6681% | 4,040 |
| Net loans and leases to total assets | 54.8015% | 4,432 |
| Net loans and leases to deposits | 64.4776% | 4,444 |
| Net loans and leases to core deposits | 75.9952% | 3,633 |
| Total domestic deposits to total assets | 84.9932% | 3,516 |
| Equity capital to assets | 13.3036% | 1,229 |
| Core capital (leverage) ratio | 13.5161% | 969 |
| Tier 1 risk-based capital ratio | 20.7891% | 1,485 |
| Total risk-based capital ratio | 21.9295% | 1,492 |
| Memoranda: | ||
| Average total assets | $197,459,670 | 3,064 |
| Average earning assets | $179,968,670 | 3,081 |
| Average equity | $25,766,670 | 2,590 |
| Average total loans | $103,711,670 | 3,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,754 |
| Cost of funding earning assets | 0.5985% | 1,983 |
| Net interest margin | 3.3857% | 4,190 |
| Noninterest income to average assets | 0.4859% | 3,520 |
| Noninterest expense to average assets | 1.8685% | 6,113 |
| Loan and lease loss provision to assets | 0.0183% | 3,592 |
| Net operating income to assets | 1.2196% | 1,425 |
| Return on assets (ROA) | 1.2240% | 1,466 |
| Pretax return on assets | 1.6876% | 999 |
| Return on Equity (ROE) | 9.4734% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.4734% | 1,119 |
| Net charge-offs to loans | -0.0797% | 6,028 |
| Credit loss provision to net charge-offs | -45.0000% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3647% | 6,114 |
| Assets per employee ($millions) | 5.5508% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 3,247 |
| Loan loss allowance to noncurrent loans | 210.9843% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 5,078 |
| Noncurrent loans to loans | 0.7004% | 4,114 |
| Net loans and leases to total assets | 50.7528% | 4,819 |
| Net loans and leases to deposits | 59.8013% | 4,782 |
| Net loans and leases to core deposits | 70.5543% | 4,028 |
| Total domestic deposits to total assets | 84.8690% | 3,932 |
| Equity capital to assets | 13.2604% | 1,187 |
| Core capital (leverage) ratio | 13.2435% | 1,074 |
| Tier 1 risk-based capital ratio | 21.7967% | 1,322 |
| Total risk-based capital ratio | 23.0325% | 1,302 |
| Memoranda: | ||
| Average total assets | $196,731,500 | 3,094 |
| Average earning assets | $179,104,000 | 3,111 |
| Average equity | $25,418,500 | 2,609 |
| Average total loans | $100,334,500 | 3,465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,041 |
| Cost of funding earning assets | 0.6887% | 1,897 |
| Net interest margin | 3.5900% | 3,505 |
| Noninterest income to average assets | 0.6024% | 3,084 |
| Noninterest expense to average assets | 1.9799% | 6,064 |
| Loan and lease loss provision to assets | 0.1127% | 2,932 |
| Net operating income to assets | 1.1124% | 1,891 |
| Return on assets (ROA) | 1.1438% | 1,844 |
| Pretax return on assets | 1.8270% | 710 |
| Return on Equity (ROE) | 8.9436% | 2,558 |
| Retained earnings to average equity (ytd only) | 7.8221% | 1,115 |
| Net charge-offs to loans | 0.3435% | 1,963 |
| Credit loss provision to net charge-offs | 62.7907% | 3,482 |
| Earnings coverage of net charge-offs (x) | 10.5378% | 2,353 |
| Efficiency ratio | 51.1521% | 6,356 |
| Assets per employee ($millions) | 5.5329% | 1,621 |
| Cash dividends to net income (ytd only)* | 12.5399% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 3,459 |
| Loan loss allowance to noncurrent loans | 205.2408% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 5,198 |
| Noncurrent loans to loans | 0.7019% | 4,221 |
| Net loans and leases to total assets | 49.7726% | 5,107 |
| Net loans and leases to deposits | 58.0469% | 5,118 |
| Net loans and leases to core deposits | 69.4885% | 4,345 |
| Total domestic deposits to total assets | 85.7455% | 3,395 |
| Equity capital to assets | 12.5887% | 1,469 |
| Core capital (leverage) ratio | 13.2300% | 1,042 |
| Tier 1 risk-based capital ratio | 21.2184% | 1,382 |
| Total risk-based capital ratio | 22.4248% | 1,373 |
| Memoranda: | ||
| Average total assets | $191,730,400 | 3,135 |
| Average earning assets | $174,541,400 | 3,158 |
| Average equity | $24,520,200 | 2,677 |
| Average total loans | $100,159,200 | 3,439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,871 |
| Cost of funding earning assets | 0.7122% | 1,870 |
| Net interest margin | 3.6175% | 3,373 |
| Noninterest income to average assets | 0.6299% | 2,995 |
| Noninterest expense to average assets | 1.9438% | 6,109 |
| Loan and lease loss provision to assets | 0.0190% | 4,632 |
| Net operating income to assets | 1.3177% | 1,303 |
| Return on assets (ROA) | 1.3111% | 1,376 |
| Pretax return on assets | 1.9529% | 645 |
| Return on Equity (ROE) | 10.2097% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.7058% | 1,157 |
| Net charge-offs to loans | 0.1679% | 2,878 |
| Credit loss provision to net charge-offs | 21.4286% | 4,050 |
| Earnings coverage of net charge-offs (x) | 22.3963% | 1,499 |
| Efficiency ratio | 49.5170% | 6,423 |
| Assets per employee ($millions) | 5.2388% | 1,905 |
| Cash dividends to net income (ytd only)* | 14.7296% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,889 |
| Loan loss allowance to noncurrent loans | 152.0576% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,900 |
| Noncurrent loans to loans | 0.9219% | 3,974 |
| Net loans and leases to total assets | 55.1226% | 4,441 |
| Net loans and leases to deposits | 65.0374% | 4,400 |
| Net loans and leases to core deposits | 76.7401% | 3,530 |
| Total domestic deposits to total assets | 84.7552% | 3,857 |
| Equity capital to assets | 13.2696% | 1,211 |
| Core capital (leverage) ratio | 13.5214% | 1,015 |
| Tier 1 risk-based capital ratio | 20.5978% | 1,580 |
| Total risk-based capital ratio | 21.8079% | 1,563 |
| Memoranda: | ||
| Average total assets | $189,866,500 | 3,184 |
| Average earning assets | $172,970,500 | 3,201 |
| Average equity | $24,381,500 | 2,719 |
| Average total loans | $100,051,750 | 3,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 3,165 |
| Cost of funding earning assets | 0.7355% | 1,803 |
| Net interest margin | 3.5118% | 3,734 |
| Noninterest income to average assets | 0.5865% | 3,278 |
| Noninterest expense to average assets | 1.9370% | 6,156 |
| Loan and lease loss provision to assets | 0.0189% | 4,517 |
| Net operating income to assets | 1.2118% | 1,565 |
| Return on assets (ROA) | 1.2118% | 1,666 |
| Pretax return on assets | 1.8372% | 850 |
| Return on Equity (ROE) | 9.5421% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.2662% | 1,761 |
| Net charge-offs to loans | 0.3216% | 1,897 |
| Credit loss provision to net charge-offs | 11.3924% | 3,878 |
| Earnings coverage of net charge-offs (x) | 11.1772% | 2,077 |
| Efficiency ratio | 51.0668% | 6,351 |
| Assets per employee ($millions) | 5.2737% | 1,822 |
| Cash dividends to net income (ytd only)* | 23.8508% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,013 |
| Loan loss allowance to noncurrent loans | 128.9946% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 4,781 |
| Noncurrent loans to loans | 1.0888% | 3,755 |
| Net loans and leases to total assets | 53.1335% | 4,715 |
| Net loans and leases to deposits | 62.2720% | 4,703 |
| Net loans and leases to core deposits | 74.1657% | 3,785 |
| Total domestic deposits to total assets | 85.3249% | 3,731 |
| Equity capital to assets | 12.7262% | 1,454 |
| Core capital (leverage) ratio | 12.7856% | 1,250 |
| Tier 1 risk-based capital ratio | 20.4537% | 1,618 |
| Total risk-based capital ratio | 21.6561% | 1,607 |
| Memoranda: | ||
| Average total assets | $190,290,000 | 3,191 |
| Average earning assets | $173,756,670 | 3,201 |
| Average equity | $24,166,670 | 2,754 |
| Average total loans | $98,256,670 | 3,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,388 |
| Cost of funding earning assets | 0.7444% | 1,893 |
| Net interest margin | 3.4349% | 3,982 |
| Noninterest income to average assets | 0.4766% | 3,946 |
| Noninterest expense to average assets | 1.9002% | 6,274 |
| Loan and lease loss provision to assets | 0.0189% | 4,230 |
| Net operating income to assets | 1.1464% | 1,691 |
| Return on assets (ROA) | 1.1464% | 1,801 |
| Pretax return on assets | 1.6965% | 1,085 |
| Return on Equity (ROE) | 9.0362% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.0362% | 1,373 |
| Net charge-offs to loans | 0.0499% | 3,331 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 68.0833% | 525 |
| Efficiency ratio | 52.5552% | 6,346 |
| Assets per employee ($millions) | 5.3288% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 3,225 |
| Loan loss allowance to noncurrent loans | 64.7204% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 3,445 |
| Noncurrent loans to loans | 2.5374% | 2,036 |
| Net loans and leases to total assets | 49.1417% | 5,093 |
| Net loans and leases to deposits | 57.5851% | 5,086 |
| Net loans and leases to core deposits | 69.0966% | 4,174 |
| Total domestic deposits to total assets | 85.3376% | 3,873 |
| Equity capital to assets | 12.7280% | 1,575 |
| Core capital (leverage) ratio | 12.7203% | 1,238 |
| Tier 1 risk-based capital ratio | 21.2001% | 1,491 |
| Total risk-based capital ratio | 22.4512% | 1,466 |
| Memoranda: | ||
| Average total assets | $190,509,000 | 3,215 |
| Average earning assets | $174,094,500 | 3,220 |
| Average equity | $24,169,500 | 2,789 |
| Average total loans | $96,229,000 | 3,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 4,049 |
| Cost of funding earning assets | 0.8302% | 2,421 |
| Net interest margin | 3.5116% | 4,451 |
| Noninterest income to average assets | 0.6177% | 3,184 |
| Noninterest expense to average assets | 2.0151% | 6,296 |
| Loan and lease loss provision to assets | 0.0561% | 5,086 |
| Net operating income to assets | 1.1943% | 1,623 |
| Return on assets (ROA) | 1.2561% | 1,590 |
| Pretax return on assets | 1.8343% | 862 |
| Return on Equity (ROE) | 7.4302% | 3,382 |
| Retained earnings to average equity (ytd only) | -30.3506% | 6,939 |
| Net charge-offs to loans | 0.6577% | 1,790 |
| Credit loss provision to net charge-offs | 16.6924% | 5,317 |
| Earnings coverage of net charge-offs (x) | 5.3539% | 3,062 |
| Efficiency ratio | 52.8258% | 6,391 |
| Assets per employee ($millions) | 5.1130% | 2,078 |
| Cash dividends to net income (ytd only)* | 508.4781% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 3,176 |
| Loan loss allowance to noncurrent loans | 68.5950% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 3,630 |
| Noncurrent loans to loans | 2.3796% | 2,252 |
| Net loans and leases to total assets | 50.2350% | 5,139 |
| Net loans and leases to deposits | 58.8310% | 5,148 |
| Net loans and leases to core deposits | 70.2568% | 4,272 |
| Total domestic deposits to total assets | 85.3886% | 3,665 |
| Equity capital to assets | 12.6450% | 1,615 |
| Core capital (leverage) ratio | 11.8395% | 1,645 |
| Tier 1 risk-based capital ratio | 20.4017% | 1,583 |
| Total risk-based capital ratio | 21.6527% | 1,553 |
| Memoranda: | ||
| Average total assets | $192,496,800 | 3,145 |
| Average earning assets | $175,249,800 | 3,158 |
| Average equity | $32,543,000 | 2,122 |
| Average total loans | $98,372,800 | 3,564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 3,945 |
| Cost of funding earning assets | 0.8414% | 2,617 |
| Net interest margin | 3.5839% | 4,299 |
| Noninterest income to average assets | 0.6221% | 3,148 |
| Noninterest expense to average assets | 1.9924% | 6,359 |
| Loan and lease loss provision to assets | 0.0683% | 4,825 |
| Net operating income to assets | 1.2911% | 1,462 |
| Return on assets (ROA) | 1.2945% | 1,602 |
| Pretax return on assets | 1.8269% | 989 |
| Return on Equity (ROE) | 7.2125% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.0789% | 2,648 |
| Net charge-offs to loans | -0.0027% | 6,222 |
| Credit loss provision to net charge-offs | -4,950.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3144% | 6,505 |
| Assets per employee ($millions) | 5.1233% | 2,023 |
| Cash dividends to net income (ytd only)* | 15.7165% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 1,750 |
| Loan loss allowance to noncurrent loans | 146.3366% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 4,762 |
| Noncurrent loans to loans | 1.4886% | 3,555 |
| Net loans and leases to total assets | 51.1380% | 5,167 |
| Net loans and leases to deposits | 64.2990% | 4,677 |
| Net loans and leases to core deposits | 75.8820% | 3,741 |
| Total domestic deposits to total assets | 79.5316% | 5,764 |
| Equity capital to assets | 18.3127% | 339 |
| Core capital (leverage) ratio | 18.4280% | 280 |
| Tier 1 risk-based capital ratio | 30.0035% | 535 |
| Total risk-based capital ratio | 31.2611% | 524 |
| Memoranda: | ||
| Average total assets | $193,325,750 | 3,169 |
| Average earning assets | $175,893,750 | 3,183 |
| Average equity | $34,698,250 | 2,012 |
| Average total loans | $98,813,000 | 3,593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 4,203 |
| Cost of funding earning assets | 0.8570% | 2,741 |
| Net interest margin | 3.5384% | 4,509 |
| Noninterest income to average assets | 0.5911% | 3,310 |
| Noninterest expense to average assets | 2.0065% | 6,417 |
| Loan and lease loss provision to assets | 0.0933% | 4,392 |
| Net operating income to assets | 1.1852% | 1,765 |
| Return on assets (ROA) | 1.1852% | 1,963 |
| Pretax return on assets | 1.7110% | 1,226 |
| Return on Equity (ROE) | 6.6492% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.9331% | 3,316 |
| Net charge-offs to loans | 0.0470% | 4,736 |
| Credit loss provision to net charge-offs | 391.3043% | 755 |
| Earnings coverage of net charge-offs (x) | 75.6522% | 538 |
| Efficiency ratio | 52.6531% | 6,448 |
| Assets per employee ($millions) | 5.1869% | 1,940 |
| Cash dividends to net income (ytd only)* | 25.8093% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 1,840 |
| Loan loss allowance to noncurrent loans | 129.1716% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 4,615 |
| Noncurrent loans to loans | 1.6821% | 3,373 |
| Net loans and leases to total assets | 51.2143% | 5,192 |
| Net loans and leases to deposits | 64.2661% | 4,726 |
| Net loans and leases to core deposits | 76.4881% | 3,717 |
| Total domestic deposits to total assets | 79.6910% | 5,817 |
| Equity capital to assets | 18.1346% | 331 |
| Core capital (leverage) ratio | 17.8878% | 294 |
| Tier 1 risk-based capital ratio | 29.7559% | 530 |
| Total risk-based capital ratio | 31.0115% | 521 |
| Memoranda: | ||
| Average total assets | $192,872,670 | 3,182 |
| Average earning assets | $175,502,670 | 3,197 |
| Average equity | $34,380,330 | 2,014 |
| Average total loans | $97,825,670 | 3,627 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 4,390 |
| Cost of funding earning assets | 0.8746% | 2,876 |
| Net interest margin | 3.5098% | 4,645 |
| Noninterest income to average assets | 0.6496% | 2,931 |
| Noninterest expense to average assets | 2.0253% | 6,418 |
| Loan and lease loss provision to assets | 0.0931% | 4,183 |
| Net operating income to assets | 1.3137% | 1,420 |
| Return on assets (ROA) | 1.3137% | 1,589 |
| Pretax return on assets | 1.7274% | 1,238 |
| Return on Equity (ROE) | 7.4336% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.5556% | 2,648 |
| Net charge-offs to loans | -0.0124% | 6,012 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6627% | 6,480 |
| Assets per employee ($millions) | 5.0567% | 2,188 |
| Cash dividends to net income (ytd only)* | 11.8110% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,739 |
| Loan loss allowance to noncurrent loans | 138.6291% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 4,914 |
| Noncurrent loans to loans | 1.6369% | 3,649 |
| Net loans and leases to total assets | 48.5030% | 5,487 |
| Net loans and leases to deposits | 60.8300% | 5,062 |
| Net loans and leases to core deposits | 73.1416% | 3,999 |
| Total domestic deposits to total assets | 79.7354% | 5,915 |
| Equity capital to assets | 17.9383% | 341 |
| Core capital (leverage) ratio | 17.6563% | 313 |
| Tier 1 risk-based capital ratio | 28.3730% | 613 |
| Total risk-based capital ratio | 29.5503% | 605 |
| Memoranda: | ||
| Average total assets | $193,351,500 | 3,192 |
| Average earning assets | $176,077,000 | 3,210 |
| Average equity | $34,169,000 | 2,023 |
| Average total loans | $96,503,000 | 3,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 3,081 |
| Cost of funding earning assets | 1.0360% | 3,116 |
| Net interest margin | 3.9211% | 3,251 |
| Noninterest income to average assets | 0.5874% | 3,239 |
| Noninterest expense to average assets | 2.1470% | 6,389 |
| Loan and lease loss provision to assets | 0.1823% | 4,368 |
| Net operating income to assets | 1.2535% | 1,370 |
| Return on assets (ROA) | 1.2784% | 1,399 |
| Pretax return on assets | 1.8451% | 737 |
| Return on Equity (ROE) | 7.3422% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.7011% | 1,639 |
| Net charge-offs to loans | 0.4554% | 3,162 |
| Credit loss provision to net charge-offs | 73.7634% | 4,708 |
| Earnings coverage of net charge-offs (x) | 8.0559% | 2,223 |
| Efficiency ratio | 51.8818% | 6,709 |
| Assets per employee ($millions) | 5.1197% | 2,032 |
| Cash dividends to net income (ytd only)* | 8.7318% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 1,868 |
| Loan loss allowance to noncurrent loans | 126.8585% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 4,909 |
| Noncurrent loans to loans | 1.7083% | 3,598 |
| Net loans and leases to total assets | 49.1010% | 5,705 |
| Net loans and leases to deposits | 61.0413% | 5,357 |
| Net loans and leases to core deposits | 72.5435% | 4,434 |
| Total domestic deposits to total assets | 80.4390% | 5,611 |
| Equity capital to assets | 17.4089% | 395 |
| Core capital (leverage) ratio | 17.4517% | 334 |
| Tier 1 risk-based capital ratio | 27.3383% | 683 |
| Total risk-based capital ratio | 28.5948% | 662 |
| Memoranda: | ||
| Average total assets | $188,118,600 | 3,209 |
| Average earning assets | $170,358,800 | 3,242 |
| Average equity | $32,756,000 | 2,035 |
| Average total loans | $102,106,400 | 3,571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 2,764 |
| Cost of funding earning assets | 1.0532% | 3,297 |
| Net interest margin | 4.0142% | 2,853 |
| Noninterest income to average assets | 0.6033% | 3,144 |
| Noninterest expense to average assets | 2.1096% | 6,486 |
| Loan and lease loss provision to assets | 0.1029% | 5,159 |
| Net operating income to assets | 1.4197% | 1,121 |
| Return on assets (ROA) | 1.4562% | 1,110 |
| Pretax return on assets | 2.0724% | 547 |
| Return on Equity (ROE) | 8.3624% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.5003% | 1,711 |
| Net charge-offs to loans | 0.5244% | 2,658 |
| Credit loss provision to net charge-offs | 35.4680% | 5,334 |
| Earnings coverage of net charge-offs (x) | 7.3153% | 2,381 |
| Efficiency ratio | 49.8396% | 6,842 |
| Assets per employee ($millions) | 5.0448% | 2,132 |
| Cash dividends to net income (ytd only)* | 10.3092% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 2,620 |
| Loan loss allowance to noncurrent loans | 126.1814% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 5,001 |
| Noncurrent loans to loans | 1.5031% | 4,033 |
| Net loans and leases to total assets | 54.7574% | 5,041 |
| Net loans and leases to deposits | 69.4477% | 4,394 |
| Net loans and leases to core deposits | 83.7141% | 3,097 |
| Total domestic deposits to total assets | 78.8469% | 6,020 |
| Equity capital to assets | 17.9853% | 390 |
| Core capital (leverage) ratio | 17.7741% | 343 |
| Tier 1 risk-based capital ratio | 26.5843% | 780 |
| Total risk-based capital ratio | 27.8390% | 755 |
| Memoranda: | ||
| Average total assets | $186,510,750 | 3,254 |
| Average earning assets | $168,632,000 | 3,279 |
| Average equity | $32,477,750 | 2,045 |
| Average total loans | $103,222,500 | 3,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 2,983 |
| Cost of funding earning assets | 1.0637% | 3,516 |
| Net interest margin | 3.9736% | 2,974 |
| Noninterest income to average assets | 0.5620% | 3,388 |
| Noninterest expense to average assets | 2.0680% | 6,657 |
| Loan and lease loss provision to assets | 0.0976% | 5,104 |
| Net operating income to assets | 1.4090% | 1,061 |
| Return on assets (ROA) | 1.4630% | 1,017 |
| Pretax return on assets | 2.0669% | 517 |
| Return on Equity (ROE) | 8.4949% | 2,718 |
| Retained earnings to average equity (ytd only) | 7.1870% | 1,791 |
| Net charge-offs to loans | 0.0136% | 5,657 |
| Credit loss provision to net charge-offs | 1,300.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 278.1429% | 124 |
| Efficiency ratio | 49.7548% | 6,954 |
| Assets per employee ($millions) | 4.8419% | 2,355 |
| Cash dividends to net income (ytd only)* | 15.3959% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 1,851 |
| Loan loss allowance to noncurrent loans | 131.7073% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 4,920 |
| Noncurrent loans to loans | 1.6973% | 3,888 |
| Net loans and leases to total assets | 53.7768% | 5,324 |
| Net loans and leases to deposits | 67.6342% | 4,764 |
| Net loans and leases to core deposits | 81.5525% | 3,569 |
| Total domestic deposits to total assets | 79.5113% | 5,949 |
| Equity capital to assets | 17.3431% | 447 |
| Core capital (leverage) ratio | 17.4627% | 369 |
| Tier 1 risk-based capital ratio | 25.7813% | 828 |
| Total risk-based capital ratio | 27.0393% | 812 |
| Memoranda: | ||
| Average total assets | $186,461,670 | 3,278 |
| Average earning assets | $168,662,000 | 3,299 |
| Average equity | $32,113,330 | 2,057 |
| Average total loans | $102,901,670 | 3,610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 2,989 |
| Cost of funding earning assets | 1.0845% | 3,627 |
| Net interest margin | 3.9393% | 2,957 |
| Noninterest income to average assets | 0.5376% | 3,598 |
| Noninterest expense to average assets | 2.0186% | 6,801 |
| Loan and lease loss provision to assets | 0.0993% | 4,767 |
| Net operating income to assets | 1.6589% | 611 |
| Return on assets (ROA) | 1.7876% | 525 |
| Pretax return on assets | 2.1331% | 451 |
| Return on Equity (ROE) | 10.4167% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.4167% | 1,018 |
| Net charge-offs to loans | -0.0117% | 6,406 |
| Credit loss provision to net charge-offs | -1,533.3333% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2624% | 7,047 |
| Assets per employee ($millions) | 4.7977% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 1,953 |
| Loan loss allowance to noncurrent loans | 752.3026% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,391 |
| Noncurrent loans to loans | 0.2931% | 6,399 |
| Net loans and leases to total assets | 54.2039% | 5,275 |
| Net loans and leases to deposits | 68.1859% | 4,651 |
| Net loans and leases to core deposits | 81.3431% | 3,549 |
| Total domestic deposits to total assets | 79.4944% | 6,061 |
| Equity capital to assets | 17.2000% | 425 |
| Core capital (leverage) ratio | 17.5815% | 358 |
| Tier 1 risk-based capital ratio | 21.4160% | 1,323 |
| Total risk-based capital ratio | 22.6699% | 1,300 |
| Memoranda: | ||
| Average total assets | $185,274,500 | 3,316 |
| Average earning assets | $167,443,000 | 3,338 |
| Average equity | $31,795,000 | 2,061 |
| Average total loans | $102,416,500 | 3,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 2,605 |
| Cost of funding earning assets | 1.3107% | 3,810 |
| Net interest margin | 4.1038% | 2,547 |
| Noninterest income to average assets | 0.6678% | 3,034 |
| Noninterest expense to average assets | 2.1399% | 6,753 |
| Loan and lease loss provision to assets | 0.3455% | 4,065 |
| Net operating income to assets | 1.2230% | 1,363 |
| Return on assets (ROA) | 1.2696% | 1,313 |
| Pretax return on assets | 1.9310% | 571 |
| Return on Equity (ROE) | 7.1370% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.5918% | 2,067 |
| Net charge-offs to loans | 0.4015% | 4,030 |
| Credit loss provision to net charge-offs | 147.7723% | 2,476 |
| Earnings coverage of net charge-offs (x) | 9.4356% | 1,820 |
| Efficiency ratio | 49.2410% | 7,186 |
| Assets per employee ($millions) | 4.7036% | 2,552 |
| Cash dividends to net income (ytd only)* | 21.6500% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2131% | 1,847 |
| Loan loss allowance to noncurrent loans | 733.7705% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,429 |
| Noncurrent loans to loans | 0.3016% | 6,451 |
| Net loans and leases to total assets | 53.9073% | 5,641 |
| Net loans and leases to deposits | 67.7591% | 5,136 |
| Net loans and leases to core deposits | 77.6632% | 4,499 |
| Total domestic deposits to total assets | 79.5572% | 5,950 |
| Equity capital to assets | 17.1212% | 447 |
| Core capital (leverage) ratio | 17.6676% | 350 |
| Tier 1 risk-based capital ratio | 25.4003% | 813 |
| Total risk-based capital ratio | 26.6570% | 786 |
| Memoranda: | ||
| Average total assets | $172,812,600 | 3,488 |
| Average earning assets | $154,880,400 | 3,548 |
| Average equity | $30,741,400 | 2,132 |
| Average total loans | $100,629,400 | 3,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 1,794 |
| Cost of funding earning assets | 1.3701% | 3,780 |
| Net interest margin | 4.3047% | 1,836 |
| Noninterest income to average assets | 0.6872% | 2,895 |
| Noninterest expense to average assets | 2.1893% | 6,633 |
| Loan and lease loss provision to assets | 0.2084% | 4,980 |
| Net operating income to assets | 1.4720% | 975 |
| Return on assets (ROA) | 1.5272% | 952 |
| Pretax return on assets | 2.2199% | 390 |
| Return on Equity (ROE) | 8.4991% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.2999% | 1,702 |
| Net charge-offs to loans | 0.2375% | 4,522 |
| Credit loss provision to net charge-offs | 148.6034% | 2,627 |
| Earnings coverage of net charge-offs (x) | 16.7431% | 1,367 |
| Efficiency ratio | 48.2473% | 7,259 |
| Assets per employee ($millions) | 4.6094% | 2,735 |
| Cash dividends to net income (ytd only)* | 14.1099% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 2,089 |
| Loan loss allowance to noncurrent loans | 252.3077% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 6,014 |
| Noncurrent loans to loans | 0.8143% | 5,590 |
| Net loans and leases to total assets | 58.0243% | 5,265 |
| Net loans and leases to deposits | 74.2226% | 4,469 |
| Net loans and leases to core deposits | 84.6561% | 3,854 |
| Total domestic deposits to total assets | 78.1760% | 6,226 |
| Equity capital to assets | 17.9994% | 412 |
| Core capital (leverage) ratio | 18.1235% | 341 |
| Tier 1 risk-based capital ratio | 25.8997% | 782 |
| Total risk-based capital ratio | 27.1564% | 766 |
| Memoranda: | ||
| Average total assets | $170,156,000 | 3,578 |
| Average earning assets | $152,203,750 | 3,653 |
| Average equity | $30,575,000 | 2,157 |
| Average total loans | $100,505,500 | 3,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7225% | 1,678 |
| Cost of funding earning assets | 1.4273% | 3,699 |
| Net interest margin | 4.2952% | 1,798 |
| Noninterest income to average assets | 0.7146% | 2,623 |
| Noninterest expense to average assets | 2.2245% | 6,587 |
| Loan and lease loss provision to assets | 0.2398% | 4,519 |
| Net operating income to assets | 1.4714% | 955 |
| Return on assets (ROA) | 1.5574% | 857 |
| Pretax return on assets | 2.2043% | 404 |
| Return on Equity (ROE) | 8.6722% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.8545% | 1,900 |
| Net charge-offs to loans | 0.0020% | 6,356 |
| Credit loss provision to net charge-offs | 20,200.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,957.0000% | 4 |
| Efficiency ratio | 48.9167% | 7,296 |
| Assets per employee ($millions) | 4.4434% | 2,978 |
| Cash dividends to net income (ytd only)* | 20.9604% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,692 |
| Loan loss allowance to noncurrent loans | 175.6059% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 5,604 |
| Noncurrent loans to loans | 1.2738% | 4,837 |
| Net loans and leases to total assets | 58.1371% | 5,394 |
| Net loans and leases to deposits | 74.8118% | 4,547 |
| Net loans and leases to core deposits | 85.7336% | 3,871 |
| Total domestic deposits to total assets | 77.7111% | 6,336 |
| Equity capital to assets | 18.3043% | 386 |
| Core capital (leverage) ratio | 18.4204% | 330 |
| Tier 1 risk-based capital ratio | 26.2940% | 754 |
| Total risk-based capital ratio | 27.5525% | 742 |
| Memoranda: | ||
| Average total assets | $168,489,330 | 3,629 |
| Average earning assets | $150,353,330 | 3,698 |
| Average equity | $30,257,670 | 2,178 |
| Average total loans | $99,419,000 | 3,918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 1,699 |
| Cost of funding earning assets | 1.5084% | 3,500 |
| Net interest margin | 4.2129% | 1,990 |
| Noninterest income to average assets | 0.7272% | 2,422 |
| Noninterest expense to average assets | 2.2269% | 6,614 |
| Loan and lease loss provision to assets | 0.1497% | 5,053 |
| Net operating income to assets | 1.5465% | 824 |
| Return on assets (ROA) | 1.5448% | 889 |
| Pretax return on assets | 2.0985% | 511 |
| Return on Equity (ROE) | 8.6861% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.3475% | 2,448 |
| Net charge-offs to loans | -0.0121% | 6,938 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7346% | 7,335 |
| Assets per employee ($millions) | 4.3677% | 3,181 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,821 |
| Loan loss allowance to noncurrent loans | 169.6945% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 5,654 |
| Noncurrent loans to loans | 1.2766% | 4,846 |
| Net loans and leases to total assets | 57.4391% | 5,533 |
| Net loans and leases to deposits | 73.4582% | 4,830 |
| Net loans and leases to core deposits | 85.5520% | 3,966 |
| Total domestic deposits to total assets | 78.1930% | 6,270 |
| Equity capital to assets | 18.2263% | 401 |
| Core capital (leverage) ratio | 26.3700% | 118 |
| Tier 1 risk-based capital ratio | 26.3544% | 750 |
| Total risk-based capital ratio | 27.6123% | 737 |
| Memoranda: | ||
| Average total assets | $168,308,500 | 3,688 |
| Average earning assets | $149,826,000 | 3,757 |
| Average equity | $29,933,000 | 2,219 |
| Average total loans | $98,923,000 | 3,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5082% | 661 |
| Cost of funding earning assets | 1.6135% | 4,976 |
| Net interest margin | 4.8947% | 564 |
| Noninterest income to average assets | 0.5990% | 3,641 |
| Noninterest expense to average assets | 2.2859% | 6,789 |
| Loan and lease loss provision to assets | 0.3036% | 5,000 |
| Net operating income to assets | 1.5960% | 555 |
| Return on assets (ROA) | 1.7508% | 422 |
| Pretax return on assets | 2.6834% | 130 |
| Return on Equity (ROE) | 9.7565% | 1,758 |
| Retained earnings to average equity (ytd only) | 8.9978% | 501 |
| Net charge-offs to loans | 0.4867% | 3,824 |
| Credit loss provision to net charge-offs | 94.8936% | 5,820 |
| Earnings coverage of net charge-offs (x) | 8.5915% | 1,922 |
| Efficiency ratio | 45.4029% | 7,735 |
| Assets per employee ($millions) | 5.1735% | 1,976 |
| Cash dividends to net income (ytd only)* | 7.7760% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,197 |
| Loan loss allowance to noncurrent loans | 94.1119% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 4,462 |
| Noncurrent loans to loans | 2.0487% | 3,590 |
| Net loans and leases to total assets | 62.8592% | 4,842 |
| Net loans and leases to deposits | 79.8769% | 4,020 |
| Net loans and leases to core deposits | 115.6692% | 2,355 |
| Total domestic deposits to total assets | 78.6951% | 6,068 |
| Equity capital to assets | 17.6233% | 485 |
| Core capital (leverage) ratio | 17.7855% | 422 |
| Tier 1 risk-based capital ratio | 24.4319% | 908 |
| Total risk-based capital ratio | 25.6885% | 885 |
| Memoranda: | ||
| Average total assets | $73,451,400 | 5,905 |
| Average earning assets | $66,562,200 | 5,913 |
| Average equity | $13,181,000 | 4,461 |
| Average total loans | $48,286,200 | 5,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5546% | 671 |
| Cost of funding earning assets | 1.6387% | 5,210 |
| Net interest margin | 4.9160% | 530 |
| Noninterest income to average assets | 0.5671% | 3,950 |
| Noninterest expense to average assets | 2.2721% | 6,777 |
| Loan and lease loss provision to assets | 0.1418% | 5,940 |
| Net operating income to assets | 1.8794% | 375 |
| Return on assets (ROA) | 2.1100% | 251 |
| Pretax return on assets | 2.9478% | 112 |
| Return on Equity (ROE) | 11.7020% | 1,440 |
| Retained earnings to average equity (ytd only) | 10.6809% | 515 |
| Net charge-offs to loans | 0.0390% | 6,363 |
| Credit loss provision to net charge-offs | 550.0000% | 712 |
| Earnings coverage of net charge-offs (x) | 107.4065% | 338 |
| Efficiency ratio | 45.0694% | 7,800 |
| Assets per employee ($millions) | 4.7515% | 2,470 |
| Cash dividends to net income (ytd only)* | 8.7260% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 1,865 |
| Loan loss allowance to noncurrent loans | 123.9808% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 4,734 |
| Noncurrent loans to loans | 1.5897% | 4,253 |
| Net loans and leases to total assets | 72.1602% | 2,996 |
| Net loans and leases to deposits | 89.7306% | 2,626 |
| Net loans and leases to core deposits | 126.9438% | 1,655 |
| Total domestic deposits to total assets | 80.4187% | 5,283 |
| Equity capital to assets | 19.0327% | 418 |
| Core capital (leverage) ratio | 19.1670% | 367 |
| Tier 1 risk-based capital ratio | 24.4377% | 957 |
| Total risk-based capital ratio | 25.6949% | 939 |
| Memoranda: | ||
| Average total assets | $72,413,750 | 5,968 |
| Average earning assets | $65,906,000 | 5,967 |
| Average equity | $13,057,250 | 4,523 |
| Average total loans | $47,923,000 | 5,805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2460% | 1,342 |
| Cost of funding earning assets | 1.6728% | 5,401 |
| Net interest margin | 4.5732% | 1,010 |
| Noninterest income to average assets | 0.5715% | 3,889 |
| Noninterest expense to average assets | 2.2529% | 6,910 |
| Loan and lease loss provision to assets | 0.1978% | 5,075 |
| Net operating income to assets | 1.5370% | 774 |
| Return on assets (ROA) | 1.8573% | 438 |
| Pretax return on assets | 2.7749% | 133 |
| Return on Equity (ROE) | 10.4904% | 1,853 |
| Retained earnings to average equity (ytd only) | 8.9385% | 959 |
| Net charge-offs to loans | 0.0560% | 5,705 |
| Credit loss provision to net charge-offs | 553.8462% | 838 |
| Earnings coverage of net charge-offs (x) | 69.8462% | 535 |
| Efficiency ratio | 47.4537% | 7,782 |
| Assets per employee ($millions) | 5.1366% | 1,925 |
| Cash dividends to net income (ytd only)* | 14.7929% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,390 |
| Loan loss allowance to noncurrent loans | 122.3278% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 4,604 |
| Noncurrent loans to loans | 1.7187% | 3,928 |
| Net loans and leases to total assets | 66.6926% | 4,421 |
| Net loans and leases to deposits | 82.0755% | 4,214 |
| Net loans and leases to core deposits | 113.9247% | 2,915 |
| Total domestic deposits to total assets | 81.2576% | 4,974 |
| Equity capital to assets | 18.1291% | 535 |
| Core capital (leverage) ratio | 18.0940% | 504 |
| Tier 1 risk-based capital ratio | 24.5151% | 982 |
| Total risk-based capital ratio | 25.7729% | 968 |
| Memoranda: | ||
| Average total assets | $72,794,330 | 6,010 |
| Average earning assets | $66,474,670 | 5,991 |
| Average equity | $12,888,000 | 4,574 |
| Average total loans | $46,409,330 | 5,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2995% | 1,302 |
| Cost of funding earning assets | 1.6862% | 5,655 |
| Net interest margin | 4.6133% | 921 |
| Noninterest income to average assets | 0.5298% | 4,061 |
| Noninterest expense to average assets | 1.9280% | 7,494 |
| Loan and lease loss provision to assets | 0.0983% | 5,700 |
| Net operating income to assets | 2.2994% | 188 |
| Return on assets (ROA) | 2.2994% | 224 |
| Pretax return on assets | 2.7473% | 165 |
| Return on Equity (ROE) | 13.1424% | 1,353 |
| Retained earnings to average equity (ytd only) | 13.1424% | 620 |
| Net charge-offs to loans | -0.0266% | 7,522 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3890% | 8,041 |
| Assets per employee ($millions) | 5.2328% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,068 |
| Loan loss allowance to noncurrent loans | 212.8755% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 5,583 |
| Noncurrent loans to loans | 1.0391% | 4,911 |
| Net loans and leases to total assets | 59.8630% | 5,677 |
| Net loans and leases to deposits | 75.3626% | 5,301 |
| Net loans and leases to core deposits | 107.2092% | 3,772 |
| Total domestic deposits to total assets | 79.4332% | 5,566 |
| Equity capital to assets | 17.7848% | 632 |
| Core capital (leverage) ratio | 17.6647% | 590 |
| Tier 1 risk-based capital ratio | 25.5137% | 930 |
| Total risk-based capital ratio | 26.7729% | 905 |
| Memoranda: | ||
| Average total assets | $73,235,500 | 6,020 |
| Average earning assets | $67,370,000 | 5,995 |
| Average equity | $12,813,500 | 4,623 |
| Average total loans | $45,119,000 | 6,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1040% | 907 |
| Cost of funding earning assets | 2.1619% | 5,771 |
| Net interest margin | 4.9420% | 579 |
| Noninterest income to average assets | 0.6578% | 3,416 |
| Noninterest expense to average assets | 1.9474% | 7,544 |
| Loan and lease loss provision to assets | 0.1339% | 5,649 |
| Net operating income to assets | 2.0236% | 333 |
| Return on assets (ROA) | 2.0236% | 317 |
| Pretax return on assets | 3.1333% | 88 |
| Return on Equity (ROE) | 11.9509% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.1434% | 309 |
| Net charge-offs to loans | 0.1309% | 4,919 |
| Credit loss provision to net charge-offs | 160.3448% | 3,222 |
| Earnings coverage of net charge-offs (x) | 39.1379% | 957 |
| Efficiency ratio | 37.3447% | 8,172 |
| Assets per employee ($millions) | 5.2294% | 1,705 |
| Cash dividends to net income (ytd only)* | 6.7568% | 4,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1392% | 1,015 |
| Loan loss allowance to noncurrent loans | 200.2062% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 5,201 |
| Noncurrent loans to loans | 1.0685% | 4,434 |
| Net loans and leases to total assets | 60.6731% | 5,811 |
| Net loans and leases to deposits | 75.6317% | 5,631 |
| Net loans and leases to core deposits | 105.4055% | 4,256 |
| Total domestic deposits to total assets | 80.2218% | 4,935 |
| Equity capital to assets | 17.2076% | 759 |
| Core capital (leverage) ratio | 17.2385% | 669 |
| Tier 1 risk-based capital ratio | 24.4626% | 1,038 |
| Total risk-based capital ratio | 25.7208% | 1,015 |
| Memoranda: | ||
| Average total assets | $69,478,800 | 6,054 |
| Average earning assets | $64,062,800 | 6,017 |
| Average equity | $11,764,800 | 4,901 |
| Average total loans | $44,299,000 | 5,960 |