Home > The Bank of Urbana > Performance and Condition Ratios
The Bank of Urbana, 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 | 4.0516% | 3,033 |
| Cost of funding earning assets | 0.3752% | 3,279 |
| Net interest margin | 3.6764% | 2,806 |
| Noninterest income to average assets | 0.5439% | 2,947 |
| Noninterest expense to average assets | 3.8058% | 740 |
| Loan and lease loss provision to assets | 0.2214% | 933 |
| Net operating income to assets | -0.3036% | 5,824 |
| Return on assets (ROA) | 0.3936% | 5,131 |
| Pretax return on assets | 0.4743% | 5,182 |
| Return on Equity (ROE) | 3.1850% | 5,174 |
| Retained earnings to average equity (ytd only) | -57.1463% | 5,968 |
| Net charge-offs to loans | 0.0400% | 2,834 |
| Credit loss provision to net charge-offs | 1,208.0000% | 346 |
| Earnings coverage of net charge-offs (x) | -7.8806% | 3,913 |
| Efficiency ratio | 103.9439% | 176 |
| Assets per employee ($millions) | 3.9444% | 4,054 |
| Cash dividends to net income (ytd only)* | 1,894.2331% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,836 |
| Loan loss allowance to noncurrent loans | 37.4700% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 799 |
| Noncurrent loans to loans | 3.9499% | 280 |
| Net loans and leases to total assets | 46.8774% | 5,030 |
| Net loans and leases to deposits | 51.3427% | 5,238 |
| Net loans and leases to core deposits | 52.3993% | 5,298 |
| Total domestic deposits to total assets | 91.3030% | 142 |
| Equity capital to assets | 8.4508% | 5,553 |
| Core capital (leverage) ratio | 8.3360% | 5,481 |
| Tier 1 risk-based capital ratio | 15.4226% | 2,865 |
| Total risk-based capital ratio | 16.6733% | 2,793 |
| Memoranda: | ||
| Average total assets | $181,893,750 | 3,157 |
| Average earning assets | $154,241,250 | 3,334 |
| Average equity | $22,479,750 | 2,968 |
| Average total loans | $83,245,000 | 3,752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,773 |
| Cost of funding earning assets | 0.3477% | 3,596 |
| Net interest margin | 3.5031% | 3,482 |
| Noninterest income to average assets | 0.5247% | 3,037 |
| Noninterest expense to average assets | 2.4444% | 4,206 |
| Loan and lease loss provision to assets | 0.3545% | 461 |
| Net operating income to assets | 0.6615% | 3,989 |
| Return on assets (ROA) | 0.6959% | 3,965 |
| Pretax return on assets | 0.9948% | 3,606 |
| Return on Equity (ROE) | 5.1095% | 4,464 |
| Retained earnings to average equity (ytd only) | -0.4164% | 5,355 |
| Net charge-offs to loans | 0.0990% | 1,848 |
| Credit loss provision to net charge-offs | 792.6829% | 454 |
| Earnings coverage of net charge-offs (x) | 29.0732% | 1,411 |
| Efficiency ratio | 65.2782% | 3,794 |
| Assets per employee ($millions) | 3.9810% | 3,947 |
| Cash dividends to net income (ytd only)* | 108.1505% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 1,897 |
| Loan loss allowance to noncurrent loans | 38.3232% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 870 |
| Noncurrent loans to loans | 3.8902% | 314 |
| Net loans and leases to total assets | 46.3625% | 5,107 |
| Net loans and leases to deposits | 54.3172% | 5,118 |
| Net loans and leases to core deposits | 54.9515% | 5,229 |
| Total domestic deposits to total assets | 85.3550% | 2,712 |
| Equity capital to assets | 14.1096% | 985 |
| Core capital (leverage) ratio | 13.2457% | 1,068 |
| Tier 1 risk-based capital ratio | 25.5247% | 767 |
| Total risk-based capital ratio | 26.7755% | 746 |
| Memoranda: | ||
| Average total assets | $183,358,670 | 3,151 |
| Average earning assets | $168,534,670 | 3,162 |
| Average equity | $24,973,000 | 2,746 |
| Average total loans | $82,841,000 | 3,781 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 3,704 |
| Cost of funding earning assets | 0.3492% | 3,604 |
| Net interest margin | 3.5182% | 3,399 |
| Noninterest income to average assets | 0.4831% | 3,236 |
| Noninterest expense to average assets | 2.3509% | 4,515 |
| Loan and lease loss provision to assets | 0.0971% | 2,074 |
| Net operating income to assets | 0.7920% | 3,285 |
| Return on assets (ROA) | 0.8541% | 3,098 |
| Pretax return on assets | 1.3695% | 2,008 |
| Return on Equity (ROE) | 6.3817% | 3,788 |
| Retained earnings to average equity (ytd only) | 0.8219% | 4,893 |
| Net charge-offs to loans | 0.1851% | 1,054 |
| Credit loss provision to net charge-offs | 118.4211% | 1,453 |
| Earnings coverage of net charge-offs (x) | 16.7105% | 1,607 |
| Efficiency ratio | 63.1884% | 4,277 |
| Assets per employee ($millions) | 4.5381% | 3,003 |
| Cash dividends to net income (ytd only)* | 87.1212% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,563 |
| Loan loss allowance to noncurrent loans | 32.9412% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 1,162 |
| Noncurrent loans to loans | 3.6017% | 375 |
| Net loans and leases to total assets | 43.8663% | 5,247 |
| Net loans and leases to deposits | 50.9158% | 5,290 |
| Net loans and leases to core deposits | 51.4807% | 5,383 |
| Total domestic deposits to total assets | 86.1547% | 2,608 |
| Equity capital to assets | 13.4223% | 1,212 |
| Core capital (leverage) ratio | 13.1027% | 1,124 |
| Tier 1 risk-based capital ratio | 26.1665% | 725 |
| Total risk-based capital ratio | 27.2180% | 722 |
| Memoranda: | ||
| Average total assets | $185,464,500 | 3,140 |
| Average earning assets | $170,654,000 | 3,147 |
| Average equity | $24,821,000 | 2,762 |
| Average total loans | $82,104,500 | 3,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,577 |
| Cost of funding earning assets | 0.3715% | 3,467 |
| Net interest margin | 3.5653% | 3,260 |
| Noninterest income to average assets | 0.5047% | 3,298 |
| Noninterest expense to average assets | 2.3683% | 4,594 |
| Loan and lease loss provision to assets | 0.0550% | 3,211 |
| Net operating income to assets | 1.0542% | 2,108 |
| Return on assets (ROA) | 1.0595% | 2,168 |
| Pretax return on assets | 1.3209% | 2,199 |
| Return on Equity (ROE) | 7.7761% | 3,089 |
| Retained earnings to average equity (ytd only) | -4.5849% | 5,898 |
| Net charge-offs to loans | 0.2285% | 1,302 |
| Credit loss provision to net charge-offs | 56.1798% | 3,312 |
| Earnings coverage of net charge-offs (x) | 13.9775% | 2,331 |
| Efficiency ratio | 63.3633% | 4,385 |
| Assets per employee ($millions) | 4.0188% | 3,906 |
| Cash dividends to net income (ytd only)* | 158.9610% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,532 |
| Loan loss allowance to noncurrent loans | 43.7303% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2863% | 1,653 |
| Noncurrent loans to loans | 2.7264% | 640 |
| Net loans and leases to total assets | 43.6192% | 5,301 |
| Net loans and leases to deposits | 50.5267% | 5,365 |
| Net loans and leases to core deposits | 51.0888% | 5,450 |
| Total domestic deposits to total assets | 86.3290% | 2,476 |
| Equity capital to assets | 13.3437% | 1,187 |
| Core capital (leverage) ratio | 13.3019% | 1,041 |
| Tier 1 risk-based capital ratio | 26.2887% | 727 |
| Total risk-based capital ratio | 27.3397% | 714 |
| Memoranda: | ||
| Average total assets | $181,691,200 | 3,142 |
| Average earning assets | $164,753,800 | 3,194 |
| Average equity | $24,755,400 | 2,714 |
| Average total loans | $77,896,000 | 3,886 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 3,848 |
| Cost of funding earning assets | 0.3782% | 3,461 |
| Net interest margin | 3.4934% | 3,564 |
| Noninterest income to average assets | 0.4901% | 3,438 |
| Noninterest expense to average assets | 2.3696% | 4,592 |
| Loan and lease loss provision to assets | 0.0516% | 3,169 |
| Net operating income to assets | 0.9922% | 2,508 |
| Return on assets (ROA) | 0.9928% | 2,590 |
| Pretax return on assets | 1.2220% | 2,723 |
| Return on Equity (ROE) | 7.2484% | 3,497 |
| Retained earnings to average equity (ytd only) | -7.3614% | 6,083 |
| Net charge-offs to loans | 0.2183% | 1,196 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 13.7060% | 2,303 |
| Efficiency ratio | 65.0546% | 4,052 |
| Assets per employee ($millions) | 4.2187% | 3,484 |
| Cash dividends to net income (ytd only)* | 201.5585% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 3,172 |
| Loan loss allowance to noncurrent loans | 39.8798% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.4724% | 1,529 |
| Noncurrent loans to loans | 3.2239% | 519 |
| Net loans and leases to total assets | 42.1136% | 5,485 |
| Net loans and leases to deposits | 48.9979% | 5,514 |
| Net loans and leases to core deposits | 49.4738% | 5,593 |
| Total domestic deposits to total assets | 85.9500% | 2,551 |
| Equity capital to assets | 13.5754% | 1,194 |
| Core capital (leverage) ratio | 13.1986% | 1,137 |
| Tier 1 risk-based capital ratio | 27.1396% | 677 |
| Total risk-based capital ratio | 28.2599% | 665 |
| Memoranda: | ||
| Average total assets | $180,897,500 | 3,179 |
| Average earning assets | $163,237,750 | 3,238 |
| Average equity | $24,777,250 | 2,731 |
| Average total loans | $76,967,500 | 3,952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 3,640 |
| Cost of funding earning assets | 0.3801% | 3,488 |
| Net interest margin | 3.5315% | 3,373 |
| Noninterest income to average assets | 0.4526% | 3,682 |
| Noninterest expense to average assets | 2.4102% | 4,517 |
| Loan and lease loss provision to assets | 0.0443% | 3,225 |
| Net operating income to assets | 0.9871% | 2,457 |
| Return on assets (ROA) | 0.9871% | 2,567 |
| Pretax return on assets | 1.1653% | 2,915 |
| Return on Equity (ROE) | 7.1855% | 3,500 |
| Retained earnings to average equity (ytd only) | -11.9061% | 6,205 |
| Net charge-offs to loans | 0.3697% | 703 |
| Credit loss provision to net charge-offs | 28.1690% | 2,941 |
| Earnings coverage of net charge-offs (x) | 7.6972% | 2,645 |
| Efficiency ratio | 66.5851% | 3,904 |
| Assets per employee ($millions) | 4.3718% | 3,177 |
| Cash dividends to net income (ytd only)* | 265.6951% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 3,740 |
| Loan loss allowance to noncurrent loans | 51.1866% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 2,333 |
| Noncurrent loans to loans | 2.3601% | 990 |
| Net loans and leases to total assets | 42.2662% | 5,485 |
| Net loans and leases to deposits | 48.8251% | 5,565 |
| Net loans and leases to core deposits | 49.2893% | 5,637 |
| Total domestic deposits to total assets | 86.5666% | 2,391 |
| Equity capital to assets | 13.1349% | 1,334 |
| Core capital (leverage) ratio | 13.1283% | 1,123 |
| Tier 1 risk-based capital ratio | 27.5696% | 674 |
| Total risk-based capital ratio | 28.6629% | 662 |
| Memoranda: | ||
| Average total assets | $180,729,330 | 3,207 |
| Average earning assets | $162,082,330 | 3,273 |
| Average equity | $24,827,670 | 2,735 |
| Average total loans | $76,826,670 | 3,983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,112 |
| Cost of funding earning assets | 0.3811% | 3,515 |
| Net interest margin | 3.6517% | 2,808 |
| Noninterest income to average assets | 0.4083% | 3,934 |
| Noninterest expense to average assets | 2.5144% | 4,220 |
| Loan and lease loss provision to assets | 0.0223% | 3,421 |
| Net operating income to assets | 1.0174% | 2,183 |
| Return on assets (ROA) | 1.0174% | 2,324 |
| Pretax return on assets | 1.1423% | 2,895 |
| Return on Equity (ROE) | 7.2431% | 3,371 |
| Retained earnings to average equity (ytd only) | -24.9221% | 6,310 |
| Net charge-offs to loans | 0.7162% | 328 |
| Credit loss provision to net charge-offs | 7.3529% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.8382% | 2,562 |
| Efficiency ratio | 68.3445% | 3,766 |
| Assets per employee ($millions) | 4.3539% | 3,284 |
| Cash dividends to net income (ytd only)* | 444.0789% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,894 |
| Loan loss allowance to noncurrent loans | 49.1760% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 2,392 |
| Noncurrent loans to loans | 2.4677% | 987 |
| Net loans and leases to total assets | 41.1780% | 5,537 |
| Net loans and leases to deposits | 47.8043% | 5,576 |
| Net loans and leases to core deposits | 48.2618% | 5,658 |
| Total domestic deposits to total assets | 86.1387% | 2,866 |
| Equity capital to assets | 13.4451% | 1,195 |
| Core capital (leverage) ratio | 13.9512% | 839 |
| Tier 1 risk-based capital ratio | 29.5427% | 563 |
| Total risk-based capital ratio | 30.6212% | 563 |
| Memoranda: | ||
| Average total assets | $179,285,500 | 3,242 |
| Average earning assets | $160,582,000 | 3,314 |
| Average equity | $25,182,500 | 2,727 |
| Average total loans | $75,961,500 | 4,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 3,819 |
| Cost of funding earning assets | 0.3830% | 3,873 |
| Net interest margin | 3.5913% | 3,444 |
| Noninterest income to average assets | 0.4657% | 3,745 |
| Noninterest expense to average assets | 2.6032% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8812% | 2,965 |
| Return on assets (ROA) | 0.8951% | 2,989 |
| Pretax return on assets | 1.2245% | 2,552 |
| Return on Equity (ROE) | 6.3269% | 3,986 |
| Retained earnings to average equity (ytd only) | 4.6114% | 2,898 |
| Net charge-offs to loans | 0.3869% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.1931% | 3,069 |
| Efficiency ratio | 68.3508% | 3,837 |
| Assets per employee ($millions) | 3.5859% | 4,745 |
| Cash dividends to net income (ytd only)* | 27.1143% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 3,005 |
| Loan loss allowance to noncurrent loans | 48.3663% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 2,226 |
| Noncurrent loans to loans | 2.8706% | 802 |
| Net loans and leases to total assets | 42.4839% | 5,580 |
| Net loans and leases to deposits | 50.0288% | 5,577 |
| Net loans and leases to core deposits | 50.5334% | 5,693 |
| Total domestic deposits to total assets | 84.9188% | 3,319 |
| Equity capital to assets | 14.6714% | 765 |
| Core capital (leverage) ratio | 14.4999% | 701 |
| Tier 1 risk-based capital ratio | 29.8403% | 517 |
| Total risk-based capital ratio | 31.0716% | 511 |
| Memoranda: | ||
| Average total assets | $173,055,200 | 3,288 |
| Average earning assets | $161,084,800 | 3,265 |
| Average equity | $24,482,600 | 2,715 |
| Average total loans | $74,954,000 | 4,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 4,101 |
| Cost of funding earning assets | 0.3850% | 3,956 |
| Net interest margin | 3.5337% | 3,703 |
| Noninterest income to average assets | 0.4664% | 3,758 |
| Noninterest expense to average assets | 2.5778% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8654% | 3,097 |
| Return on assets (ROA) | 0.8654% | 3,185 |
| Pretax return on assets | 1.1895% | 2,821 |
| Return on Equity (ROE) | 6.1757% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,495 |
| Net charge-offs to loans | 0.5207% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.2672% | 3,298 |
| Efficiency ratio | 68.4254% | 3,778 |
| Assets per employee ($millions) | 3.5923% | 4,691 |
| Cash dividends to net income (ytd only)* | 28.1502% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,131 |
| Loan loss allowance to noncurrent loans | 67.3299% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 3,111 |
| Noncurrent loans to loans | 2.0933% | 1,496 |
| Net loans and leases to total assets | 41.6872% | 5,704 |
| Net loans and leases to deposits | 49.3952% | 5,682 |
| Net loans and leases to core deposits | 49.8946% | 5,797 |
| Total domestic deposits to total assets | 84.3952% | 3,593 |
| Equity capital to assets | 14.3691% | 891 |
| Core capital (leverage) ratio | 14.2298% | 788 |
| Tier 1 risk-based capital ratio | 29.8914% | 530 |
| Total risk-based capital ratio | 31.1383% | 522 |
| Memoranda: | ||
| Average total assets | $172,391,750 | 3,334 |
| Average earning assets | $161,037,500 | 3,292 |
| Average equity | $24,158,500 | 2,749 |
| Average total loans | $74,767,750 | 4,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,914 |
| Cost of funding earning assets | 0.3890% | 4,004 |
| Net interest margin | 3.5659% | 3,503 |
| Noninterest income to average assets | 0.4720% | 3,695 |
| Noninterest expense to average assets | 2.5786% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8622% | 2,997 |
| Return on assets (ROA) | 0.8622% | 3,098 |
| Pretax return on assets | 1.2139% | 2,599 |
| Return on Equity (ROE) | 6.2068% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.4406% | 3,347 |
| Net charge-offs to loans | 0.5342% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.1950% | 2,970 |
| Efficiency ratio | 67.9914% | 4,012 |
| Assets per employee ($millions) | 3.6675% | 4,513 |
| Cash dividends to net income (ytd only)* | 28.4553% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 2,753 |
| Loan loss allowance to noncurrent loans | 76.3722% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 3,203 |
| Noncurrent loans to loans | 2.0058% | 1,686 |
| Net loans and leases to total assets | 41.6624% | 5,698 |
| Net loans and leases to deposits | 48.6669% | 5,730 |
| Net loans and leases to core deposits | 49.1506% | 5,839 |
| Total domestic deposits to total assets | 85.6072% | 3,236 |
| Equity capital to assets | 14.1048% | 930 |
| Core capital (leverage) ratio | 14.4265% | 723 |
| Tier 1 risk-based capital ratio | 29.4619% | 545 |
| Total risk-based capital ratio | 30.7127% | 535 |
| Memoranda: | ||
| Average total assets | $171,181,330 | 3,368 |
| Average earning assets | $159,397,330 | 3,329 |
| Average equity | $23,780,330 | 2,768 |
| Average total loans | $74,881,000 | 4,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,858 |
| Cost of funding earning assets | 0.3985% | 3,987 |
| Net interest margin | 3.5612% | 3,426 |
| Noninterest income to average assets | 0.4527% | 3,767 |
| Noninterest expense to average assets | 2.6169% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7727% | 3,292 |
| Return on assets (ROA) | 0.7727% | 3,374 |
| Pretax return on assets | 1.1828% | 2,560 |
| Return on Equity (ROE) | 5.6073% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.8013% | 3,846 |
| Net charge-offs to loans | 0.4955% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.3656% | 2,379 |
| Efficiency ratio | 68.8709% | 4,027 |
| Assets per employee ($millions) | 3.5561% | 4,817 |
| Cash dividends to net income (ytd only)* | 32.2086% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 2,461 |
| Loan loss allowance to noncurrent loans | 82.2134% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 3,217 |
| Noncurrent loans to loans | 2.0232% | 1,843 |
| Net loans and leases to total assets | 43.2251% | 5,576 |
| Net loans and leases to deposits | 50.3669% | 5,570 |
| Net loans and leases to core deposits | 50.8806% | 5,698 |
| Total domestic deposits to total assets | 85.8203% | 3,450 |
| Equity capital to assets | 13.9319% | 941 |
| Core capital (leverage) ratio | 14.6017% | 675 |
| Tier 1 risk-based capital ratio | 29.1772% | 565 |
| Total risk-based capital ratio | 30.4303% | 554 |
| Memoranda: | ||
| Average total assets | $168,752,500 | 3,428 |
| Average earning assets | $158,598,500 | 3,365 |
| Average equity | $23,255,500 | 2,817 |
| Average total loans | $75,080,000 | 4,096 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,711 |
| Cost of funding earning assets | 0.4684% | 3,932 |
| Net interest margin | 3.6388% | 3,288 |
| Noninterest income to average assets | 0.4353% | 4,195 |
| Noninterest expense to average assets | 2.5829% | 4,526 |
| Loan and lease loss provision to assets | 0.0358% | 4,405 |
| Net operating income to assets | 1.0013% | 2,318 |
| Return on assets (ROA) | 1.0013% | 2,386 |
| Pretax return on assets | 1.2025% | 2,572 |
| Return on Equity (ROE) | 7.2055% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.8520% | 2,066 |
| Net charge-offs to loans | 0.0549% | 4,463 |
| Credit loss provision to net charge-offs | 142.8571% | 1,629 |
| Earnings coverage of net charge-offs (x) | 49.3810% | 801 |
| Efficiency ratio | 67.5938% | 4,273 |
| Assets per employee ($millions) | 3.3362% | 5,214 |
| Cash dividends to net income (ytd only)* | 18.7835% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 2,112 |
| Loan loss allowance to noncurrent loans | 96.0602% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,458 |
| Noncurrent loans to loans | 1.8581% | 2,157 |
| Net loans and leases to total assets | 44.2348% | 5,655 |
| Net loans and leases to deposits | 51.5398% | 5,660 |
| Net loans and leases to core deposits | 52.0767% | 5,797 |
| Total domestic deposits to total assets | 85.8264% | 3,349 |
| Equity capital to assets | 13.6263% | 1,025 |
| Core capital (leverage) ratio | 14.6323% | 659 |
| Tier 1 risk-based capital ratio | 28.9880% | 555 |
| Total risk-based capital ratio | 30.2420% | 545 |
| Memoranda: | ||
| Average total assets | $167,488,400 | 3,450 |
| Average earning assets | $155,847,000 | 3,401 |
| Average equity | $23,274,000 | 2,792 |
| Average total loans | $76,562,000 | 4,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,681 |
| Cost of funding earning assets | 0.4815% | 3,952 |
| Net interest margin | 3.6388% | 3,284 |
| Noninterest income to average assets | 0.4175% | 4,389 |
| Noninterest expense to average assets | 2.5671% | 4,496 |
| Loan and lease loss provision to assets | 0.0477% | 4,060 |
| Net operating income to assets | 0.9638% | 2,525 |
| Return on assets (ROA) | 0.9638% | 2,623 |
| Pretax return on assets | 1.1746% | 2,800 |
| Return on Equity (ROE) | 6.9029% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.7068% | 2,593 |
| Net charge-offs to loans | 0.2115% | 2,558 |
| Credit loss provision to net charge-offs | 49.1803% | 3,529 |
| Earnings coverage of net charge-offs (x) | 12.5985% | 2,121 |
| Efficiency ratio | 67.7440% | 4,142 |
| Assets per employee ($millions) | 3.5693% | 4,715 |
| Cash dividends to net income (ytd only)* | 17.3265% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,606 |
| Loan loss allowance to noncurrent loans | 126.3527% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 4,319 |
| Noncurrent loans to loans | 1.3503% | 3,162 |
| Net loans and leases to total assets | 43.3038% | 5,789 |
| Net loans and leases to deposits | 50.3462% | 5,812 |
| Net loans and leases to core deposits | 50.8651% | 5,962 |
| Total domestic deposits to total assets | 86.0121% | 3,246 |
| Equity capital to assets | 13.6267% | 1,070 |
| Core capital (leverage) ratio | 14.3738% | 773 |
| Tier 1 risk-based capital ratio | 29.0759% | 565 |
| Total risk-based capital ratio | 30.3295% | 555 |
| Memoranda: | ||
| Average total assets | $167,658,000 | 3,486 |
| Average earning assets | $155,359,000 | 3,450 |
| Average equity | $23,410,000 | 2,807 |
| Average total loans | $76,920,250 | 4,061 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,507 |
| Cost of funding earning assets | 0.4969% | 3,928 |
| Net interest margin | 3.6616% | 3,129 |
| Noninterest income to average assets | 0.3878% | 4,613 |
| Noninterest expense to average assets | 2.5939% | 4,410 |
| Loan and lease loss provision to assets | 0.0716% | 3,604 |
| Net operating income to assets | 0.8877% | 2,861 |
| Return on assets (ROA) | 0.8877% | 3,017 |
| Pretax return on assets | 1.1072% | 3,068 |
| Return on Equity (ROE) | 6.3069% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.4168% | 2,796 |
| Net charge-offs to loans | 0.2541% | 2,201 |
| Credit loss provision to net charge-offs | 60.6061% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.9798% | 2,209 |
| Efficiency ratio | 68.7540% | 4,048 |
| Assets per employee ($millions) | 3.5056% | 4,838 |
| Cash dividends to net income (ytd only)* | 14.1129% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 2,952 |
| Loan loss allowance to noncurrent loans | 119.4419% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 4,489 |
| Noncurrent loans to loans | 1.3866% | 3,223 |
| Net loans and leases to total assets | 45.3107% | 5,606 |
| Net loans and leases to deposits | 52.4949% | 5,645 |
| Net loans and leases to core deposits | 53.2163% | 5,807 |
| Total domestic deposits to total assets | 86.3146% | 3,196 |
| Equity capital to assets | 13.4162% | 1,176 |
| Core capital (leverage) ratio | 13.9495% | 834 |
| Tier 1 risk-based capital ratio | 27.5349% | 658 |
| Total risk-based capital ratio | 28.7881% | 646 |
| Memoranda: | ||
| Average total assets | $167,624,330 | 3,501 |
| Average earning assets | $154,958,670 | 3,478 |
| Average equity | $23,593,330 | 2,808 |
| Average total loans | $77,924,670 | 4,046 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 3,593 |
| Cost of funding earning assets | 0.5269% | 3,819 |
| Net interest margin | 3.6055% | 3,237 |
| Noninterest income to average assets | 0.4136% | 4,362 |
| Noninterest expense to average assets | 2.5726% | 4,496 |
| Loan and lease loss provision to assets | 0.1435% | 2,449 |
| Net operating income to assets | 0.7555% | 3,404 |
| Return on assets (ROA) | 0.7555% | 3,545 |
| Pretax return on assets | 1.0185% | 3,270 |
| Return on Equity (ROE) | 5.2443% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.2443% | 3,085 |
| Net charge-offs to loans | 0.0256% | 3,673 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 97.2000% | 388 |
| Efficiency ratio | 68.8860% | 4,162 |
| Assets per employee ($millions) | 3.5181% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 2,695 |
| Loan loss allowance to noncurrent loans | 109.4519% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 4,186 |
| Noncurrent loans to loans | 1.6255% | 3,099 |
| Net loans and leases to total assets | 45.0502% | 5,540 |
| Net loans and leases to deposits | 52.8721% | 5,536 |
| Net loans and leases to core deposits | 53.6041% | 5,698 |
| Total domestic deposits to total assets | 85.2061% | 3,943 |
| Equity capital to assets | 14.2953% | 938 |
| Core capital (leverage) ratio | 13.9032% | 822 |
| Tier 1 risk-based capital ratio | 27.5346% | 667 |
| Total risk-based capital ratio | 28.7897% | 657 |
| Memoranda: | ||
| Average total assets | $167,303,000 | 3,544 |
| Average earning assets | $154,097,500 | 3,527 |
| Average equity | $24,102,500 | 2,798 |
| Average total loans | $78,123,500 | 4,063 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 3,608 |
| Cost of funding earning assets | 0.6402% | 4,002 |
| Net interest margin | 3.8110% | 3,178 |
| Noninterest income to average assets | 0.4293% | 4,385 |
| Noninterest expense to average assets | 2.5631% | 4,891 |
| Loan and lease loss provision to assets | 0.2028% | 3,112 |
| Net operating income to assets | 1.0045% | 2,318 |
| Return on assets (ROA) | 1.0045% | 2,539 |
| Pretax return on assets | 1.1020% | 3,151 |
| Return on Equity (ROE) | 6.4566% | 3,932 |
| Retained earnings to average equity (ytd only) | -6.4449% | 6,500 |
| Net charge-offs to loans | 0.5282% | 2,143 |
| Credit loss provision to net charge-offs | 81.9071% | 3,769 |
| Earnings coverage of net charge-offs (x) | 5.2689% | 3,090 |
| Efficiency ratio | 66.2649% | 4,450 |
| Assets per employee ($millions) | 3.3824% | 5,255 |
| Cash dividends to net income (ytd only)* | 199.8192% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,007 |
| Loan loss allowance to noncurrent loans | 102.0833% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 4,177 |
| Noncurrent loans to loans | 1.6448% | 3,155 |
| Net loans and leases to total assets | 46.7428% | 5,543 |
| Net loans and leases to deposits | 55.0314% | 5,545 |
| Net loans and leases to core deposits | 55.8088% | 5,725 |
| Total domestic deposits to total assets | 84.9384% | 3,891 |
| Equity capital to assets | 14.5198% | 865 |
| Core capital (leverage) ratio | 13.9296% | 823 |
| Tier 1 risk-based capital ratio | 27.0275% | 690 |
| Total risk-based capital ratio | 28.2814% | 679 |
| Memoranda: | ||
| Average total assets | $165,149,600 | 3,533 |
| Average earning assets | $149,016,800 | 3,578 |
| Average equity | $25,694,800 | 2,596 |
| Average total loans | $77,426,400 | 4,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 3,636 |
| Cost of funding earning assets | 0.6669% | 4,045 |
| Net interest margin | 3.8336% | 3,188 |
| Noninterest income to average assets | 0.4315% | 4,406 |
| Noninterest expense to average assets | 2.5502% | 4,918 |
| Loan and lease loss provision to assets | 0.1980% | 3,104 |
| Net operating income to assets | 1.0343% | 2,349 |
| Return on assets (ROA) | 1.0343% | 2,565 |
| Pretax return on assets | 1.1111% | 3,312 |
| Return on Equity (ROE) | 6.5382% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.9292% | 3,414 |
| Net charge-offs to loans | 0.6694% | 1,642 |
| Credit loss provision to net charge-offs | 63.3075% | 4,063 |
| Earnings coverage of net charge-offs (x) | 4.1860% | 3,372 |
| Efficiency ratio | 66.0804% | 4,441 |
| Assets per employee ($millions) | 3.3173% | 5,403 |
| Cash dividends to net income (ytd only)* | 24.6095% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,383 |
| Loan loss allowance to noncurrent loans | 99.3666% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 4,421 |
| Noncurrent loans to loans | 1.6465% | 3,322 |
| Net loans and leases to total assets | 45.4907% | 5,819 |
| Net loans and leases to deposits | 54.6962% | 5,747 |
| Net loans and leases to core deposits | 55.4821% | 5,927 |
| Total domestic deposits to total assets | 83.1696% | 4,570 |
| Equity capital to assets | 16.1479% | 577 |
| Core capital (leverage) ratio | 15.4271% | 548 |
| Tier 1 risk-based capital ratio | 30.9017% | 488 |
| Total risk-based capital ratio | 32.1548% | 478 |
| Memoranda: | ||
| Average total assets | $165,002,250 | 3,568 |
| Average earning assets | $147,534,750 | 3,632 |
| Average equity | $26,102,250 | 2,580 |
| Average total loans | $77,084,500 | 4,159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 3,479 |
| Cost of funding earning assets | 0.6873% | 4,124 |
| Net interest margin | 3.8831% | 2,986 |
| Noninterest income to average assets | 0.3886% | 4,736 |
| Noninterest expense to average assets | 2.5134% | 5,096 |
| Loan and lease loss provision to assets | 0.1882% | 3,218 |
| Net operating income to assets | 1.1122% | 2,003 |
| Return on assets (ROA) | 1.1122% | 2,220 |
| Pretax return on assets | 1.1511% | 3,117 |
| Return on Equity (ROE) | 7.0802% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.4570% | 3,016 |
| Net charge-offs to loans | 0.9066% | 1,214 |
| Credit loss provision to net charge-offs | 44.2857% | 4,161 |
| Earnings coverage of net charge-offs (x) | 3.1514% | 3,480 |
| Efficiency ratio | 65.2379% | 4,680 |
| Assets per employee ($millions) | 3.3230% | 5,397 |
| Cash dividends to net income (ytd only)* | 22.9258% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,807 |
| Loan loss allowance to noncurrent loans | 88.1232% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 4,313 |
| Noncurrent loans to loans | 1.7541% | 3,268 |
| Net loans and leases to total assets | 46.0779% | 5,819 |
| Net loans and leases to deposits | 55.1698% | 5,747 |
| Net loans and leases to core deposits | 55.8532% | 5,959 |
| Total domestic deposits to total assets | 83.5202% | 4,519 |
| Equity capital to assets | 15.9086% | 599 |
| Core capital (leverage) ratio | 15.3258% | 543 |
| Tier 1 risk-based capital ratio | 30.0401% | 517 |
| Total risk-based capital ratio | 31.2919% | 511 |
| Memoranda: | ||
| Average total assets | $164,714,000 | 3,593 |
| Average earning assets | $146,944,000 | 3,657 |
| Average equity | $25,875,000 | 2,588 |
| Average total loans | $77,209,670 | 4,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 3,510 |
| Cost of funding earning assets | 0.7028% | 4,256 |
| Net interest margin | 3.8952% | 2,948 |
| Noninterest income to average assets | 0.3903% | 4,741 |
| Noninterest expense to average assets | 2.4415% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1586% | 1,859 |
| Return on assets (ROA) | 1.1586% | 2,037 |
| Pretax return on assets | 1.4634% | 1,982 |
| Return on Equity (ROE) | 7.4229% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.7820% | 3,088 |
| Net charge-offs to loans | 0.6759% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.6154% | 2,540 |
| Efficiency ratio | 62.5234% | 5,183 |
| Assets per employee ($millions) | 3.3234% | 5,507 |
| Cash dividends to net income (ytd only)* | 22.1053% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,530 |
| Loan loss allowance to noncurrent loans | 69.8456% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 4,063 |
| Noncurrent loans to loans | 2.3659% | 2,737 |
| Net loans and leases to total assets | 45.3783% | 5,859 |
| Net loans and leases to deposits | 54.1395% | 5,794 |
| Net loans and leases to core deposits | 54.8060% | 5,998 |
| Total domestic deposits to total assets | 83.8174% | 4,581 |
| Equity capital to assets | 15.6007% | 638 |
| Core capital (leverage) ratio | 15.2582% | 564 |
| Tier 1 risk-based capital ratio | 30.1086% | 515 |
| Total risk-based capital ratio | 31.3621% | 508 |
| Memoranda: | ||
| Average total assets | $163,996,500 | 3,622 |
| Average earning assets | $147,978,000 | 3,657 |
| Average equity | $25,596,500 | 2,613 |
| Average total loans | $76,934,500 | 4,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 4,234 |
| Cost of funding earning assets | 0.8149% | 4,748 |
| Net interest margin | 3.8881% | 3,387 |
| Noninterest income to average assets | 0.4209% | 4,441 |
| Noninterest expense to average assets | 2.6506% | 4,919 |
| Loan and lease loss provision to assets | 0.1865% | 4,323 |
| Net operating income to assets | 0.9793% | 2,287 |
| Return on assets (ROA) | 0.9793% | 2,421 |
| Pretax return on assets | 1.2181% | 2,395 |
| Return on Equity (ROE) | 6.5487% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.8024% | 2,785 |
| Net charge-offs to loans | 0.7448% | 2,290 |
| Credit loss provision to net charge-offs | 50.8475% | 5,405 |
| Earnings coverage of net charge-offs (x) | 3.8288% | 3,373 |
| Efficiency ratio | 65.3634% | 4,888 |
| Assets per employee ($millions) | 3.3713% | 5,319 |
| Cash dividends to net income (ytd only)* | 26.6667% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 2,839 |
| Loan loss allowance to noncurrent loans | 75.8415% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 4,038 |
| Noncurrent loans to loans | 2.3861% | 2,738 |
| Net loans and leases to total assets | 46.8413% | 5,936 |
| Net loans and leases to deposits | 55.8450% | 5,910 |
| Net loans and leases to core deposits | 56.6624% | 6,111 |
| Total domestic deposits to total assets | 83.8772% | 4,367 |
| Equity capital to assets | 15.6154% | 651 |
| Core capital (leverage) ratio | 15.3988% | 542 |
| Tier 1 risk-based capital ratio | 29.7753% | 526 |
| Total risk-based capital ratio | 31.0311% | 517 |
| Memoranda: | ||
| Average total assets | $160,830,600 | 3,619 |
| Average earning assets | $150,329,200 | 3,577 |
| Average equity | $24,050,400 | 2,662 |
| Average total loans | $79,216,400 | 4,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 4,246 |
| Cost of funding earning assets | 0.8458% | 4,800 |
| Net interest margin | 3.9010% | 3,377 |
| Noninterest income to average assets | 0.4733% | 4,104 |
| Noninterest expense to average assets | 2.6702% | 4,841 |
| Loan and lease loss provision to assets | 0.1868% | 4,162 |
| Net operating income to assets | 0.9681% | 2,445 |
| Return on assets (ROA) | 0.9681% | 2,614 |
| Pretax return on assets | 1.2695% | 2,401 |
| Return on Equity (ROE) | 6.5470% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.7783% | 3,326 |
| Net charge-offs to loans | 0.2860% | 3,657 |
| Credit loss provision to net charge-offs | 131.5789% | 2,422 |
| Earnings coverage of net charge-offs (x) | 10.2575% | 1,947 |
| Efficiency ratio | 64.7082% | 4,950 |
| Assets per employee ($millions) | 3.3631% | 5,334 |
| Cash dividends to net income (ytd only)* | 27.0154% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2540% | 1,765 |
| Loan loss allowance to noncurrent loans | 97.3714% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 4,101 |
| Noncurrent loans to loans | 2.3148% | 2,988 |
| Net loans and leases to total assets | 46.7704% | 6,074 |
| Net loans and leases to deposits | 55.8485% | 6,050 |
| Net loans and leases to core deposits | 56.7792% | 6,245 |
| Total domestic deposits to total assets | 83.7452% | 4,348 |
| Equity capital to assets | 15.5790% | 705 |
| Core capital (leverage) ratio | 15.1676% | 634 |
| Tier 1 risk-based capital ratio | 29.7367% | 555 |
| Total risk-based capital ratio | 30.9981% | 541 |
| Memoranda: | ||
| Average total assets | $160,583,000 | 3,648 |
| Average earning assets | $150,384,250 | 3,598 |
| Average equity | $23,745,750 | 2,699 |
| Average total loans | $79,721,500 | 4,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 4,353 |
| Cost of funding earning assets | 0.8678% | 4,925 |
| Net interest margin | 3.8715% | 3,431 |
| Noninterest income to average assets | 0.4566% | 4,232 |
| Noninterest expense to average assets | 2.6675% | 4,948 |
| Loan and lease loss provision to assets | 0.1871% | 4,042 |
| Net operating income to assets | 1.0468% | 2,047 |
| Return on assets (ROA) | 1.0468% | 2,145 |
| Pretax return on assets | 1.2701% | 2,239 |
| Return on Equity (ROE) | 7.2085% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.4042% | 2,735 |
| Net charge-offs to loans | 0.0993% | 4,688 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 943 |
| Efficiency ratio | 64.6703% | 5,113 |
| Assets per employee ($millions) | 3.2157% | 5,601 |
| Cash dividends to net income (ytd only)* | 25.0298% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,870 |
| Loan loss allowance to noncurrent loans | 94.8285% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 4,299 |
| Noncurrent loans to loans | 2.3467% | 3,046 |
| Net loans and leases to total assets | 49.1041% | 5,935 |
| Net loans and leases to deposits | 58.0562% | 5,932 |
| Net loans and leases to core deposits | 59.1342% | 6,179 |
| Total domestic deposits to total assets | 84.5802% | 4,086 |
| Equity capital to assets | 15.0634% | 809 |
| Core capital (leverage) ratio | 14.9914% | 664 |
| Tier 1 risk-based capital ratio | 28.3345% | 637 |
| Total risk-based capital ratio | 29.5956% | 620 |
| Memoranda: | ||
| Average total assets | $160,301,000 | 3,682 |
| Average earning assets | $151,880,330 | 3,597 |
| Average equity | $23,278,000 | 2,732 |
| Average total loans | $80,548,000 | 4,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 4,526 |
| Cost of funding earning assets | 0.9012% | 4,914 |
| Net interest margin | 3.7991% | 3,629 |
| Noninterest income to average assets | 0.4423% | 4,341 |
| Noninterest expense to average assets | 2.6365% | 5,094 |
| Loan and lease loss provision to assets | 0.1874% | 3,741 |
| Net operating income to assets | 0.9971% | 2,189 |
| Return on assets (ROA) | 0.9971% | 2,237 |
| Pretax return on assets | 1.2321% | 2,261 |
| Return on Equity (ROE) | 6.9979% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.1563% | 3,088 |
| Net charge-offs to loans | 0.1889% | 3,368 |
| Credit loss provision to net charge-offs | 197.3684% | 1,504 |
| Earnings coverage of net charge-offs (x) | 14.9474% | 1,343 |
| Efficiency ratio | 65.0031% | 5,190 |
| Assets per employee ($millions) | 3.4151% | 5,205 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 2,091 |
| Loan loss allowance to noncurrent loans | 91.7509% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 4,430 |
| Noncurrent loans to loans | 2.3364% | 3,156 |
| Net loans and leases to total assets | 49.0294% | 5,956 |
| Net loans and leases to deposits | 57.5454% | 5,971 |
| Net loans and leases to core deposits | 58.6052% | 6,204 |
| Total domestic deposits to total assets | 85.2011% | 3,946 |
| Equity capital to assets | 14.4407% | 898 |
| Core capital (leverage) ratio | 14.9124% | 678 |
| Tier 1 risk-based capital ratio | 28.0086% | 633 |
| Total risk-based capital ratio | 29.2680% | 620 |
| Memoranda: | ||
| Average total assets | $160,058,000 | 3,708 |
| Average earning assets | $152,247,000 | 3,605 |
| Average equity | $22,807,000 | 2,765 |
| Average total loans | $80,447,000 | 4,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 5,127 |
| Cost of funding earning assets | 1.0895% | 5,189 |
| Net interest margin | 3.7881% | 3,995 |
| Noninterest income to average assets | 0.4381% | 4,607 |
| Noninterest expense to average assets | 2.6571% | 5,190 |
| Loan and lease loss provision to assets | 0.1910% | 5,322 |
| Net operating income to assets | 0.9462% | 2,213 |
| Return on assets (ROA) | 0.9462% | 2,342 |
| Pretax return on assets | 1.1920% | 2,249 |
| Return on Equity (ROE) | 6.4918% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.6570% | 2,633 |
| Net charge-offs to loans | 0.4485% | 3,819 |
| Credit loss provision to net charge-offs | 83.5655% | 5,403 |
| Earnings coverage of net charge-offs (x) | 6.0501% | 2,454 |
| Efficiency ratio | 65.7683% | 5,013 |
| Assets per employee ($millions) | 3.2572% | 5,521 |
| Cash dividends to net income (ytd only)* | 28.2638% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 2,081 |
| Loan loss allowance to noncurrent loans | 105.5695% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 4,830 |
| Noncurrent loans to loans | 1.9858% | 3,585 |
| Net loans and leases to total assets | 49.3628% | 6,231 |
| Net loans and leases to deposits | 57.6677% | 6,285 |
| Net loans and leases to core deposits | 58.7282% | 6,499 |
| Total domestic deposits to total assets | 85.5987% | 3,554 |
| Equity capital to assets | 14.0567% | 1,016 |
| Core capital (leverage) ratio | 14.8451% | 686 |
| Tier 1 risk-based capital ratio | 27.5805% | 642 |
| Total risk-based capital ratio | 28.8398% | 628 |
| Memoranda: | ||
| Average total assets | $157,053,200 | 3,758 |
| Average earning assets | $149,334,600 | 3,645 |
| Average equity | $22,890,400 | 2,779 |
| Average total loans | $80,052,000 | 4,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 5,141 |
| Cost of funding earning assets | 1.1283% | 5,262 |
| Net interest margin | 3.8000% | 3,974 |
| Noninterest income to average assets | 0.4484% | 4,573 |
| Noninterest expense to average assets | 2.6229% | 5,234 |
| Loan and lease loss provision to assets | 0.1918% | 5,127 |
| Net operating income to assets | 0.9436% | 2,439 |
| Return on assets (ROA) | 0.9436% | 2,570 |
| Pretax return on assets | 1.2479% | 2,345 |
| Return on Equity (ROE) | 6.4160% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,274 |
| Net charge-offs to loans | 0.5637% | 3,061 |
| Credit loss provision to net charge-offs | 66.5680% | 5,524 |
| Earnings coverage of net charge-offs (x) | 4.9970% | 2,878 |
| Efficiency ratio | 64.5615% | 5,134 |
| Assets per employee ($millions) | 2.9612% | 6,245 |
| Cash dividends to net income (ytd only)* | 28.4554% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 2,065 |
| Loan loss allowance to noncurrent loans | 104.7466% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 4,899 |
| Noncurrent loans to loans | 1.9790% | 3,710 |
| Net loans and leases to total assets | 49.1551% | 6,413 |
| Net loans and leases to deposits | 58.4569% | 6,431 |
| Net loans and leases to core deposits | 59.5682% | 6,638 |
| Total domestic deposits to total assets | 84.0878% | 4,074 |
| Equity capital to assets | 15.2260% | 839 |
| Core capital (leverage) ratio | 14.7161% | 772 |
| Tier 1 risk-based capital ratio | 28.2265% | 613 |
| Total risk-based capital ratio | 29.4855% | 598 |
| Memoranda: | ||
| Average total assets | $156,415,500 | 3,823 |
| Average earning assets | $148,769,750 | 3,708 |
| Average equity | $23,004,250 | 2,806 |
| Average total loans | $79,947,000 | 4,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 5,052 |
| Cost of funding earning assets | 1.1664% | 5,309 |
| Net interest margin | 3.8091% | 3,857 |
| Noninterest income to average assets | 0.4429% | 4,580 |
| Noninterest expense to average assets | 2.6421% | 5,160 |
| Loan and lease loss provision to assets | 0.1920% | 4,961 |
| Net operating income to assets | 1.0049% | 2,174 |
| Return on assets (ROA) | 1.0049% | 2,254 |
| Pretax return on assets | 1.2289% | 2,322 |
| Return on Equity (ROE) | 6.9142% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.0645% | 2,871 |
| Net charge-offs to loans | 0.3510% | 3,598 |
| Credit loss provision to net charge-offs | 106.3830% | 3,834 |
| Earnings coverage of net charge-offs (x) | 7.8723% | 2,221 |
| Efficiency ratio | 65.0284% | 5,143 |
| Assets per employee ($millions) | 3.0776% | 5,984 |
| Cash dividends to net income (ytd only)* | 26.7516% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,875 |
| Loan loss allowance to noncurrent loans | 93.5501% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 4,390 |
| Noncurrent loans to loans | 2.2936% | 3,380 |
| Net loans and leases to total assets | 50.9923% | 6,308 |
| Net loans and leases to deposits | 60.2153% | 6,392 |
| Net loans and leases to core deposits | 61.2245% | 6,619 |
| Total domestic deposits to total assets | 84.6833% | 3,776 |
| Equity capital to assets | 14.8650% | 911 |
| Core capital (leverage) ratio | 14.7439% | 775 |
| Tier 1 risk-based capital ratio | 26.9841% | 700 |
| Total risk-based capital ratio | 28.2436% | 686 |
| Memoranda: | ||
| Average total assets | $156,240,000 | 3,856 |
| Average earning assets | $148,487,330 | 3,729 |
| Average equity | $22,707,000 | 2,835 |
| Average total loans | $80,336,670 | 4,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 5,010 |
| Cost of funding earning assets | 1.1967% | 5,427 |
| Net interest margin | 3.8063% | 3,773 |
| Noninterest income to average assets | 0.4542% | 4,428 |
| Noninterest expense to average assets | 2.6097% | 5,318 |
| Loan and lease loss provision to assets | 0.1925% | 4,577 |
| Net operating income to assets | 0.9956% | 2,205 |
| Return on assets (ROA) | 0.9956% | 2,273 |
| Pretax return on assets | 1.2676% | 2,143 |
| Return on Equity (ROE) | 6.9303% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.0548% | 3,126 |
| Net charge-offs to loans | 0.6130% | 2,283 |
| Credit loss provision to net charge-offs | 61.4754% | 4,270 |
| Earnings coverage of net charge-offs (x) | 4.6639% | 2,579 |
| Efficiency ratio | 64.1236% | 5,470 |
| Assets per employee ($millions) | 3.0150% | 6,181 |
| Cash dividends to net income (ytd only)* | 27.0619% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 1,881 |
| Loan loss allowance to noncurrent loans | 97.2524% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 4,577 |
| Noncurrent loans to loans | 2.1942% | 3,533 |
| Net loans and leases to total assets | 49.7002% | 6,497 |
| Net loans and leases to deposits | 58.3606% | 6,603 |
| Net loans and leases to core deposits | 59.7864% | 6,768 |
| Total domestic deposits to total assets | 85.1605% | 3,577 |
| Equity capital to assets | 14.5065% | 998 |
| Core capital (leverage) ratio | 14.6386% | 816 |
| Tier 1 risk-based capital ratio | 27.0593% | 704 |
| Total risk-based capital ratio | 28.3183% | 687 |
| Memoranda: | ||
| Average total assets | $155,880,500 | 3,907 |
| Average earning assets | $148,069,500 | 3,798 |
| Average equity | $22,394,500 | 2,892 |
| Average total loans | $79,609,000 | 4,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 4,061 |
| Cost of funding earning assets | 1.5125% | 5,467 |
| Net interest margin | 4.0034% | 2,848 |
| Noninterest income to average assets | 0.4649% | 4,682 |
| Noninterest expense to average assets | 2.8267% | 4,853 |
| Loan and lease loss provision to assets | 0.1819% | 5,881 |
| Net operating income to assets | 0.9934% | 1,862 |
| Return on assets (ROA) | 0.9934% | 1,908 |
| Pretax return on assets | 1.2639% | 1,796 |
| Return on Equity (ROE) | 6.9261% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.9893% | 1,821 |
| Net charge-offs to loans | 0.2455% | 5,085 |
| Credit loss provision to net charge-offs | 143.2292% | 3,349 |
| Earnings coverage of net charge-offs (x) | 11.3854% | 1,593 |
| Efficiency ratio | 66.1610% | 5,368 |
| Assets per employee ($millions) | 2.8701% | 6,516 |
| Cash dividends to net income (ytd only)* | 27.9627% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,664 |
| Loan loss allowance to noncurrent loans | 100.5181% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 4,603 |
| Noncurrent loans to loans | 2.1822% | 3,406 |
| Net loans and leases to total assets | 50.2339% | 6,620 |
| Net loans and leases to deposits | 58.7848% | 6,723 |
| Net loans and leases to core deposits | 67.2930% | 6,918 |
| Total domestic deposits to total assets | 85.4539% | 3,318 |
| Equity capital to assets | 14.2248% | 1,100 |
| Core capital (leverage) ratio | 14.6592% | 850 |
| Tier 1 risk-based capital ratio | 26.8230% | 711 |
| Total risk-based capital ratio | 28.0832% | 698 |
| Memoranda: | ||
| Average total assets | $151,201,800 | 3,937 |
| Average earning assets | $143,801,200 | 3,821 |
| Average equity | $21,686,200 | 2,987 |
| Average total loans | $78,216,800 | 4,575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6037% | 3,845 |
| Cost of funding earning assets | 1.5804% | 5,487 |
| Net interest margin | 4.0233% | 2,713 |
| Noninterest income to average assets | 0.4889% | 4,594 |
| Noninterest expense to average assets | 2.8706% | 4,566 |
| Loan and lease loss provision to assets | 0.1775% | 5,585 |
| Net operating income to assets | 0.9681% | 2,171 |
| Return on assets (ROA) | 0.9681% | 2,225 |
| Pretax return on assets | 1.2698% | 2,045 |
| Return on Equity (ROE) | 6.7356% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.7908% | 2,611 |
| Net charge-offs to loans | 0.1627% | 5,089 |
| Credit loss provision to net charge-offs | 210.5263% | 2,089 |
| Earnings coverage of net charge-offs (x) | 17.1689% | 1,422 |
| Efficiency ratio | 66.4817% | 5,291 |
| Assets per employee ($millions) | 2.6572% | 6,932 |
| Cash dividends to net income (ytd only)* | 28.8726% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,313 |
| Loan loss allowance to noncurrent loans | 94.9007% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 4,488 |
| Noncurrent loans to loans | 2.4104% | 3,126 |
| Net loans and leases to total assets | 49.8623% | 6,791 |
| Net loans and leases to deposits | 58.8970% | 6,910 |
| Net loans and leases to core deposits | 67.4987% | 7,092 |
| Total domestic deposits to total assets | 84.6603% | 3,401 |
| Equity capital to assets | 14.7488% | 1,078 |
| Core capital (leverage) ratio | 14.7551% | 904 |
| Tier 1 risk-based capital ratio | 27.4935% | 710 |
| Total risk-based capital ratio | 28.7558% | 692 |
| Memoranda: | ||
| Average total assets | $150,256,500 | 3,977 |
| Average earning assets | $142,998,000 | 3,865 |
| Average equity | $21,596,250 | 3,021 |
| Average total loans | $77,871,000 | 4,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7276% | 3,400 |
| Cost of funding earning assets | 1.6475% | 5,528 |
| Net interest margin | 4.0801% | 2,391 |
| Noninterest income to average assets | 0.4538% | 4,823 |
| Noninterest expense to average assets | 2.9228% | 4,419 |
| Loan and lease loss provision to assets | 0.1668% | 5,398 |
| Net operating income to assets | 0.9463% | 2,291 |
| Return on assets (ROA) | 0.9463% | 2,387 |
| Pretax return on assets | 1.2412% | 2,189 |
| Return on Equity (ROE) | 6.6421% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.6748% | 2,698 |
| Net charge-offs to loans | 0.2152% | 4,161 |
| Credit loss provision to net charge-offs | 148.8095% | 3,101 |
| Earnings coverage of net charge-offs (x) | 12.5595% | 1,810 |
| Efficiency ratio | 67.4884% | 5,256 |
| Assets per employee ($millions) | 2.6181% | 7,019 |
| Cash dividends to net income (ytd only)* | 29.6192% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 1,295 |
| Loan loss allowance to noncurrent loans | 148.3029% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 5,318 |
| Noncurrent loans to loans | 1.4596% | 4,307 |
| Net loans and leases to total assets | 51.6092% | 6,729 |
| Net loans and leases to deposits | 60.4447% | 6,854 |
| Net loans and leases to core deposits | 69.6699% | 7,037 |
| Total domestic deposits to total assets | 85.3826% | 3,072 |
| Equity capital to assets | 14.1289% | 1,264 |
| Core capital (leverage) ratio | 14.4625% | 1,030 |
| Tier 1 risk-based capital ratio | 26.4989% | 816 |
| Total risk-based capital ratio | 27.7590% | 793 |
| Memoranda: | ||
| Average total assets | $149,854,330 | 3,992 |
| Average earning assets | $142,397,670 | 3,893 |
| Average equity | $21,348,670 | 3,054 |
| Average total loans | $78,064,330 | 4,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8161% | 3,221 |
| Cost of funding earning assets | 1.7057% | 5,575 |
| Net interest margin | 4.1105% | 2,240 |
| Noninterest income to average assets | 0.4555% | 4,718 |
| Noninterest expense to average assets | 2.8395% | 4,383 |
| Loan and lease loss provision to assets | 0.1998% | 4,443 |
| Net operating income to assets | 1.0016% | 2,306 |
| Return on assets (ROA) | 1.0016% | 2,439 |
| Pretax return on assets | 1.3319% | 2,169 |
| Return on Equity (ROE) | 7.0017% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.0464% | 3,096 |
| Net charge-offs to loans | 0.2933% | 2,936 |
| Credit loss provision to net charge-offs | 131.5789% | 3,054 |
| Earnings coverage of net charge-offs (x) | 10.0877% | 1,980 |
| Efficiency ratio | 64.9604% | 5,511 |
| Assets per employee ($millions) | 2.8087% | 6,617 |
| Cash dividends to net income (ytd only)* | 27.9255% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1519% | 1,143 |
| Loan loss allowance to noncurrent loans | 146.5562% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 5,124 |
| Noncurrent loans to loans | 1.4683% | 4,102 |
| Net loans and leases to total assets | 50.3963% | 6,826 |
| Net loans and leases to deposits | 59.0988% | 6,966 |
| Net loans and leases to core deposits | 67.5875% | 7,155 |
| Total domestic deposits to total assets | 85.2746% | 3,076 |
| Equity capital to assets | 14.2995% | 1,279 |
| Core capital (leverage) ratio | 14.3609% | 1,118 |
| Tier 1 risk-based capital ratio | 26.4254% | 851 |
| Total risk-based capital ratio | 27.6854% | 837 |
| Memoranda: | ||
| Average total assets | $150,165,000 | 4,008 |
| Average earning assets | $143,050,000 | 3,897 |
| Average equity | $21,480,500 | 3,045 |
| Average total loans | $77,735,500 | 4,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6606% | 2,198 |
| Cost of funding earning assets | 2.2447% | 5,392 |
| Net interest margin | 4.4159% | 1,640 |
| Noninterest income to average assets | 0.4782% | 4,814 |
| Noninterest expense to average assets | 2.7636% | 4,994 |
| Loan and lease loss provision to assets | 0.0823% | 6,358 |
| Net operating income to assets | 1.2784% | 1,545 |
| Return on assets (ROA) | 1.2822% | 1,484 |
| Pretax return on assets | 1.8166% | 910 |
| Return on Equity (ROE) | 9.3205% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.2784% | 1,066 |
| Net charge-offs to loans | 0.4390% | 2,635 |
| Credit loss provision to net charge-offs | 37.5000% | 6,470 |
| Earnings coverage of net charge-offs (x) | 8.6311% | 2,848 |
| Efficiency ratio | 59.3422% | 6,467 |
| Assets per employee ($millions) | 2.6546% | 6,878 |
| Cash dividends to net income (ytd only)* | 21.9092% | 4,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,001 |
| Loan loss allowance to noncurrent loans | 121.2983% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 4,437 |
| Noncurrent loans to loans | 1.7724% | 3,106 |
| Net loans and leases to total assets | 50.9155% | 6,942 |
| Net loans and leases to deposits | 59.7469% | 7,108 |
| Net loans and leases to core deposits | 68.3372% | 7,271 |
| Total domestic deposits to total assets | 85.2186% | 2,743 |
| Equity capital to assets | 14.3098% | 1,347 |
| Core capital (leverage) ratio | 14.5095% | 1,139 |
| Tier 1 risk-based capital ratio | 26.3053% | 877 |
| Total risk-based capital ratio | 27.5657% | 857 |
| Memoranda: | ||
| Average total assets | $149,513,000 | 3,907 |
| Average earning assets | $141,489,200 | 3,815 |
| Average equity | $20,567,600 | 3,146 |
| Average total loans | $74,723,000 | 4,705 |